23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2019, I saw an ad for Emollient moisturizer on XXXX that claimed a risk free use of the product if you paid the shipping fee only of {$4.00}. It was endorsed by the XXXX XXXX XXXX show personality. It said that it would show on my bank statement as XXXX XXXX as the vendor name. So I paid the shipping fee of {$4.00} and also paid for the Emollient eye cream for the same deal as the moisturizer at {$4.00} shipping fee. However, when I checked out there was a {$1.00} charge for recycling fee added to the shipping fee for the moisturizer which when I received the moisturizer it didn't even come in a box. I haven't even used the products yet because I'm waiting for my current moisturizer and eye cream to run out. So fast forward to XX/XX/2019, I look at my bank account on line and find that there is a pending charge for {$79.00} from XXXX XXXX. So I call the phone number that is on my bank statement ( XXXX ) and speak to a customer service representative that says in the fine print at the very bottom that I had 14 days to cancel my subscription for the product and get a refund for the two products that I ordered. I asked if I could return them since I had not used them yet and he informed me that it would be a restocking fee so well as two week process time and another {$10.00} for a shipping fee. I told him I had no idea that you had to cancel within 14 days not to be charged. I thought risk free meant just that -- risk free. In my research to find the website on the internet and XXXX I have found out that this is widely known scam on XXXX and that there are warnings from bloggers not to fall or buy from these sites. I would like a full refund of the {$79.00} plus the two {$4.00} charges for shipping and the {$1.00} recycling charge and I will gladly send the products back at my own cost at the address the seller provides. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent  an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

Accordi

ng to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX Account # ( has not listed ) has violated my rights XXXX. XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. section 604 A. section 2. it also states consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone : XXXX Email : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Reinserted Account on My Credit Report To whom it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by Experian. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within five business days of the reinsertion of the account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account. 

I respectfully request that Experian : Conduct a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law. 

Provide written documentation of the reinsertion process and the verification steps taken. 

Remove the reinserted account from my credit report if it can not be verified as accurate and complete. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that Experian will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within five business days of the reinsertion.

Provide the consumer with the name, address, and phone number of the furnisher of the information. 

Ensure that the information has been verified as accurate before it is reinserted. 

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.
Product: Checking or savings account

A check in the amount of {$140000.00} ( proceeds from the sale of a home ) were deposited into CHASE joint checking account. The check was cleared with no holds on it. 

So I transferred the funds to other banking institutions, including an investment firm for my retirement account. 

Two days later CHASE placed a hold on those funds citing that according to the deposit agreement they can place a hold on funds " for two weeks to six months '' even AFTER those same funds are cleared for deposit. 

Thus far, I have incurred approximately {$200.00} insufficient fees due to CHASE placing a hold on the {$140000.00} after clearing the deposit. 

When I requested reimbursement of the {$200.00}, I was told " CHASE will not refund fees incurred from external banks '', again citing the deposit agreement. When I stated per their documentation that the {$140.00}, XXXX was cleared by CHASE and then two days later placed a hold on said funds, that it was their error, they still refused to reimburse those fees. 

I filed a complaint with CHASE management regarding these unfair business practices. 

I am filing the complaint with CFPB as again unfair business practices.
Product: Credit card or prepaid card

Amazon/Syncrhony Bank * In XX/XX/XXXX, I purchased several items from XXXX  for less than {$300.00}. Amazon confirmed that I promptly returned these items. See Attachment 1. The charges were made on the credit card of Amazon 's agent, Synchrony Bank. 
* Amazon offered me a gift card for the returned items but I asked for a cash refund on my credit card. Amazon agreed. 
* Even though it is undisputed I returned these items, Synchrony refuses to acknowledge that I have a XXXX  balance, and continues to charge late fees for the returned goods. 
* When I first called Amazon, they told me it some times takes a few weeks for Synchrony to receive confirmation that the goods were returned. 
* When Synchrony continued to demand payment for the returned goods, I made multiple, fruitless phone calls to Amazon and Synchrony to fix this problem. Since XX/XX/XXXX, I have spent about 12 hours on hold, on the phone, sending emails, writing letters, and on the chat lines for both Amazon and Synchrony. Each company blames the other. 
* On XX/XX/XXXX, I filed a written complaint with Synchrony Bank about their fraudulent billing practices. See Attachment 2. 
* On XX/XX/XXXX, I filed a written complaint with Amazon about the fraudulent billing practices of their billing agent. See Attachment 3. I used the address on Amazon 's web site. The letter was returned saying that the very address Amazon provided is wrong. See Attachment 4. 
* On XX/XX/XXXX, I contacted Amazon via an online chat because they are not accepting phone calls. Over my objection, Amazon transferred me to an online chat with Synchrony. 
* On XX/XX/XXXX, I had an online chat with two Synchrony agents, XXXX and XXXX. When I asked for an accurate address to write Amazon to file a complaint, they gave me the same incorrect address I mention above. 
* In contacts with Synchrony before XX/XX/XXXX, I was told that the late fees and charges were for the goods I returned. In the online chat on XX/XX/XXXX, XXXX told me a different story -- that the late fees are based on the aforementioned gift card which I rejected. 
* As a result of the fraudulent billing practices, my usually good credit rating has been negatively affected. 
* Synchrony now demands over {$100.00} in late fees.
Product: Debt collection

I have never received any letter from Medical Data Systems Inc stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Medical Data Systems Inc. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all XXXX of my credit reports to go down significantly preventing me having a fair credit.
Product: Credit reporting or other personal consumer reports

: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Also under 15 USC 1681 section 602 a states I have the right to privacy. Also under 15 USC section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX XXXX XXXX, opened XX/XX/XXXX XXXX {$270.00} Account name : XXXX XXXX XXXX, opened XX/XX/XXXX XXXX  XXXX {$390.00} Account name : XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX XXXX. {$1200.00} Account name : XXXX XXXX XXXX XXXX. opened XX/XX/XXXX XXXX XXXX XXXX. {$1200.00} Account name : XXXX XXXX XXXX XXXX. opened XX/XX/XXXX XXXX XXXX {$1700.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

While my husband was on XXXX XXXX I had took out a Parent Loan using SallieMae as the loaner for our son who was going to school at XXXX XXXX College. The loan amount was for XXXX. Since then, the loan amount has grown absorbently to XXXX because of large fees. I had been in constant contact with Navient which had purchased the loan from SallieMae, in order to pay off the loan. We have been paying a monthly payment which has created some hardship for us. We decided to be a good steward of our money and pay it off and they considered it saying they would check with the CEO, but I was told that we had to have the money available to send. With that in mind we refinanced our home and offered them XXXX as a settlement amount. Our home loan then went up because of that word. Back in contact with Navient they then said they would not take less than the full amount of the loan. THey have lied to us, harrassed us on the phone and have made us live stressful.
Product: Credit reporting or other personal consumer reports

I may NOT DISCLOSE MY Personal Information to A third-party I Never did any business with this Company or I have not given you written permission to put anything on my credit profile 15 USC 1681b2 . You have no permissible purpose by law to contact third parties with my private or personal information. 

Please provide me with a purchase agreement of the debt being sold to your company other wise DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea why they're there. I regularly check my credit report, but this time there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Please review the documents Ive submitted thoroughly so I can finally put this issue behind me.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodi
c statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.I will seek monetary compensation if this isnt handled
Product: Student loan

I received text messages and phone calls from MRS BPO LLC about a collections balance. The offered me a settlement of {$3700.00} to pay off a balance for XXXX XXXX XXXX student loan account that was in collections. XXXX XXXX told me that I had until the XXXX of XX/XX/XXXX to pay the balance. XXXX XXXX XXXX XXXX lend me a loan for the balance to be paid. After the balance was paid XXXX said that XXXX XXXX would be notified that the balance was paid in full. After several attempts to contact XXXX I finally got in touch with a representative today XX/XX/XXXX, and she said that she had not heard of the company MRS BPO LLC and that they may have had me pay a balance of a loan, that had already been removed from my credit. One of the loans was removed from my credit in XXXX when I appeared in court. The representative had been believing that I was paying a collection balance that was " currently '' reporting on my credit from XXXX XXXX. Instead this company had me pay a balance that I was no longer obligated to pay and had already been removed from my credit. I want my money back and this business to be reported for bad business.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged account removed from my consumer report. XXXX and XXXX XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Debt collection

I checked my credit on XX/XX/21 after receiving a call about a month regarding a debt owed to XXXX XXXXy however the call was made by I.C. Systems INC whom I have never heard of or previously spoken with. I tried explaining to the XXXX that I was a victim of ID Theft due to XXXX data breach and/or my purse being stolen before. I had already sent this information to XXXX and as a result, all three bureaus deleted the account from my credit report. Now, here it is I am having to do this all over again. This company is trying to collect on a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$5100.00} Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$39000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} EXPERIAN INQUIRIES : XXXX  XXXX BANK NA on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX INQUIRIES : XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXXXX/XX/XXXX) is responding to the complaint filed by XXXX XXXX XXXX Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If MrXXXX XXXX can provide further information or documentation supporting New American Funding having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management New American Funding
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

My monthly payment is XXXX, however, I pay XXXX a month. 

My XXXX bill reflected I paid a XXXX payment on XX/XX/year>. ( I paid XXXX ) I verified with my bank of the XXXX payment and called US dept of Education ( Mohela ) on XX/XX/year> I was on hold 4 1/2 hours and was told they would look into it and get back to me. 

After that call they quit sending me bills. I have continued to pay the XXXX a month. I sent emails asking for help and no response. This loan should be paid off in XXXX but I would like my payments to reflect true amount paid.