23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am adding to the complaint I filed against Ashley Furniture after my latest interaction with them today. 

I called early afternoon today XXXX. The representative told me that nothing would be done, by any help or company, as we have your money after XXXX hours. I could not believe what I was hearing. When I bought the chair, I was told I have 120 days to get my money back. The chair 's first malfunction happened within XXXX weeks of delivery. I told them at the end of XX/XX/year> that I wanted my money back and that they can come get the XXXX chair I received. This was the XXXX time I said that. I said it again XXXX weeks later in XX/XX/year> when they canceled my original service repair to the one from the other day ( XXXX ) which then would put the timeline over 120 days. 

I have been mistreated, lied to, and caused severe issues with my recovery from XXXX XXXX as a result of this entire experience. Even as I write this it is not over as the repair from the other day was of poor quality, didn't fix the issues, and actually made XXXX of them worse. I want nothing to do with this company or their products ever again. 

I no longer was a replacement chair, I want a FULL refund with removal by them of this horrible product. Below is the breakdown from purchase price. 

{$900.00} refund for out of pocket down payment/warranty ( past year XXXX ) etc {$950.00} refund for what was put on my Ashley Credit Card Total {$1800.00}. 

This is what I am owed by after {$1500.00} pain and {$340.00} left to pay off on the credit card. As a person who is 100 % XXXX, I will not be able to purchase a new chair from a much better and more quality company without this relief. I have been more patience, trying and understanding than a customer should have to be. Sadly this company has lived up to their XXXX rating for XXXX quality products, lying and being disrespectful to their customers, and giving customers the runaround. 

I am available by phone to share more information about the experience if needed. Please see previous submitted case against Ashley Furniture for attachments.
Product: Debt collection

They have 2 business names listed on the debt notice. Superlative RM and XXXX XXXX XXXX XXXX. 
I spoke with the debt collection agency in an attempt to have this cleared up. I have never recieved a bill for this prior to the debt collection notice. The debt collector would not send a paper with proof that the debt belonged to me without me sending in money. A relative then paid XXXX and we still have yet to recieve proof this debt is mine. 
The debt collector claims its from a hospital that I have only visited one time in the last year and that was a workers comp visit due to my finger being chopped off at work. I do not owe anyone money. If the debt was not paid that is an issue for the worker comp company that was given the bill. The nurse took all of the information needed for workers comp as well. The manager of the company I worked for ( XXXX ) stated that this visit was paid for by the workers comp. I know for a fact that you can not collect a debt from me on medical bills paid for by workers comp. 
I will not be sending them any money. They need to remove my name from this debt as it clearly is not mine or they would have provided proof like required.
Product: Checking or savings account

last XX/XX/XXXX, my debt card and pin # was stolen, at this time, people had been stealing card numbers and pin numbers extremely bad that it had caught the news attention. I filed a police report, fraud report with the bank. I was told that they would put a freeze on my account and stop my direct deposits from my employer. If they could n't catch the deposit from entering the account, I could come up to the branch once it cleared and receive my payroll deposit until the investigation was cleared. I came to the branch and was told that it was put toward the negative balance. I received a letter about a week later that because I was negligent in losing my card, I was responsible for the debt. TCF allowed 2 fraudulent checks to be cashed against my account, mind you, I did n't even have the money to cover the checks that was cashed to my account. That 's where I 'm still lost, how do you allow a check to be cashed with the money in the account and not allowing an out of state check to clear to make sure that it is a legit check? 
Also, through the police investigation, they have photos of the criminals and the bank knows that it is not me or my son, we had to submit photos. not only was my name on the account, I had a son in college that was on the account as well, so I could send him money throughout the month for his expenses. I have fought this for almost a year. 
I 'm so upset about this because not only ca n't I or my son get accepted in a credit union because of this.
Product: Debt collection

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. Someone has opened up a fraudulent account in in my name that is now reporting to my credit. The following account LVNV FUNDING LLC ( Account Number : XXXX ), Original Creditor : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/year>. Balance {$690.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX  and I do not have any contract with LVNV FUNDING LLC. I have attached a copy of my FTC report and Id. ( Please see attachments ).
Product: Checking or savings account

Wells Fargo failed to resolve my online banking password reset request for more than a month. I had the following Wells Fargo case numbers on dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX XXXX Wells Fargo failed to resolve my case on time and caused great harm to its customers.
Product: Credit reporting or other personal consumer reports

I am writing to request Experian AND XXXX to provide verification and substantiation for certain items on my credit report that were previously blocked due to fraud. I have recently obtained additional information pertaining to these blocked transactions, which suggests that there may be factors necessitating further investigation and clarification.In light of the newly acquired information, it is imperative that Experian establish the veracity of the initial decision to block these items, in accordance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to request evidence and documentation supporting the reasons behind the blockage, specifically in the following contexts :
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : XXXX XXXX  to be removed XXXX XXXX XXXX XXXX XXXX  these accounts were fraudulently opened and charges were made that i was not aware of, i was also threatened by the criminals to do certain things i did not want too. the companies will not remove the charges and holding me responsible. the fbi was contacted and police report filed. Experian, XXXX and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal Complaint On XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Chex Systems and XXXX XXXX XXXX ) These Companies are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of Fico scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any new bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These XXXX XXXX and trying to dispute or clear these types of blacklisting from an individual 's account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a past and closed child support listed on my credit. It is incorrect. When I was ordered to pay support I started behind and immediately made a payment plan with the child support office. I paid according to the plan. However on my credit report it shows I was 180 days behind. I was not. The credit agency has never got in contact with the child support office. I spoke with the office and they received nothing to review the information. They agreed with me that my account is paid in full and closed. I have a letter from them. It shows on my report that I was still 180 days behind the month before it was closed. When you normally use your credit. Say you purchase an item and its XXXX with a payment of XXXX a month. You are not immediately labeled as being delinquent on said loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three ( 3 ) CRAs are continuing to run my disputes regarding the inaccurate information supplied by XXXX through the XXXX automated system, which simply updates data n credit files without verifying the accuracy of the information supplied by the data-furnisher. 

This process does not ensure the accuracy of the information and ignores the submitted documents, leaving the investigatory operations and document review entirely on the data-furnisher. 

That is, the CRAs are not conducting an independent investigation that evaluates the documents submitted. Submitted documentation is thus discarded by the CRAs in favor of " trusting '' the informatino supplied by the data-furnisher. 

The CRAs are supposed to conduct thourougha dn impartial evaluations of ALL documentation submited with a dispute and to conduct their investigation that reviews the documents submitted. By ignoring the documentation, or leaving it to the data-furnishers to inspect the validity of supplied documents, the CRAs are violating basic principles of due process -- it harms consumers.
Product: Mortgage

XXXX XXXX XXXX has been requested to provide the following : 1 ) An accounting of the funds paid to them at payoff of the XXXX. The payoff occurred on or about XX/XX/XXXX. 

2 ) Escrow disclosure statements for the past 4 years, XXXX, XXXX, XXXX, XXXX and XXXX. 

3 ) Form XXXX for the past 4 years, XXXX, XXXX, XXXX, XXXX and XXXX. 

4 ) A complete loan history summary from XXXX to current indicating all charges and payments on the account and indicating the date of the charge, complete description of the nature of the charge and month applicable, etc. 
and 5 ) Provide the date of the payoff of the loan and indicate how the amount was calculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion regarding the Inquires on my credit report advised that I have a Police report and they refuse to remove Inquires stating they are factually placed there.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Around XX/XX/XXXX I received an email from Spring Oaks Capital , LLC letting me know Spring Oaks Capital SPV , LLC now owns my XXXX account, following by a collection notice in the mail around the next, letter dated XX/XX/XXXX, also stating they are trying to collect a debt now owned by Spring Oaks Capital SPV , LLC. This letter also mention account number XXXX, and that the creditor on XX/XX/XXXX was XXXX XXXX XXXX. The alleged balance is {$10000.00}. On XX/XX/XXXX I sent a certified letter advising Spring Oaks Capital , LLC that I was disputing the debt and request validation, at the same time letter was emailed to XXXX, the letter was received on XX/XX/XXXX, same sate I got another email attempting to collect the debt and asking me to review the account online to explore a variety of flexible options. Still they haven't knowledge my dispute or provide requested validation of the debt. On XX/XX/XXXX I was made aware by XXXX XXXX that a collection account was added to my report by Spring Oaks Capital , LLC, drastically affecting my credit score, so I went ahead and sent another letter by email and regular mail as a reminder that I was disputing the validity of the debt and again requesting evidence stablishing my legal obligation to pay the alleged debt. Today is XX/XX/XXXX, making 60 days of my initial request, the account still on my XXXX XXXX credit report, and they still haven't validate the debt.
Product: Money transfer, virtual currency, or money service

My account was fraudulently accessed and XXXX XXXX XXXX XXXX for {$1000.00} dollars each occured. I have tried to handle this with Frost bank however they have inaccurately deemed that the transactions were purposely made. I have called repeatedly to no avail and they have not provided any evidence to prove their case. They give vague details and I'm left with little to no information and {$2000.00} missing
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been since the beginning of 2022 that I have been trying to get access to my free credit report from Transunion. I had to send in information to verify my identity and even when I have called on separate occasions on dates in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have still not been able to get online access to my credit report. Customer services keeps telling me that my case number XXXX has been " escalated '' to address the problem, and they have told me over 4 times that I will be able to view my credit report online within 7-10 business days and each of those 4 times, I am faced with an error message. They have explained that since Transunion had to separate two files ( my mother and I have the same name, so all our information was entwined and treated as one single credit report ), that was the issue. But supposedly that is the issue that keeps getting " escalated '' and I have been told the same thing over 4 times that it will be viewable to no avail.
Product: Payday loan, title loan, personal loan, or advance loan

have had a loan on XX/XX/2023 I went on a payment plan of 30 weekly payments. I made the final payment on XX/XX/2023 of {$30.00}. I was told that I can re-loan after this is paid off. I decided to reach out to customer service to see what the waiting period is to reapply. I was told that I can reapply over the phone but I wont get the funds until 3 to 5 business days. I went to apply over the phone I was told that I was denied. I went to apply online. It said that I was approved for {$1200.00} and that I will get the funds by XX/XX/XXXX and the application online shows pending when I went to reach out to customer customer service I was told that I would get a call back. I never got a call back I try to reach out. I was told that I was denied but online it is saying that I have a pending application, I spoke with someone named XXXX and he told me that my application was denied and the only way since Im returning customer is to withdraw the application and wait 30 days or do an express application I just feel like as a returning customer customer that is unfair because I have made payments on time and then for me to just get denied and then being given the runaround is not fair at all I feel like this company takes advantage of people that are struggling and going through hard times. I received a call at XXXXXXXX XXXX from Makwa finance and it was a voicemail was left. When I heard the voicemail, all I heard was background noise when I tried calling back at night, I get a call from Lendumo that is a completely different company I have made payments, and then I just turned around and get denied and just have my time wasted that is not fair at all. 


I have attached the screenshots of the application as well
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX with a balance of {$12000.00} Vehicle was repossessed in XXXX and sold off in XXXX loan company still reports as if the account was still an open account and balance now {$15000.00}.
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. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 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 card

CREDIT CARD FRAUD ( inside job ) Re : Acct # XXXX XXXX XXXX XXXX XXXX Gold {$420.00} Platinum {$920.00} Respected Sir or Madam : Please be advised, I am reaching out to you in an desperate attempt to resolve the many financial errors that has appeared on my JCPenny Card Card account. I personally tried to resolve these issues numerous times, but all to no avail. Ultimately, I paid the account in full ( {$1800.00} ) only to discover that my payment was applied to a " different '' months later! 

I was informed that I currently have remaining balances on XXXX accounts ( cited above ). However, I only had XXXX account ( # 's provided ). I also incurred numerous monthly late fees when I actually paid my bill on time. Yet, despite my every efforts I could never resolve this matter so I chose to paid the account in full, and resolve it on the back end. However, I didnt know I would never be able to resolve! 

During the times these charges occurred, I made numerous calls, visited various stores ( statewide ), contacted the Corporate Office and ultimately I become an employee and I still could never get any positive outcome. Instead, I were told to hire a lawyer, -- this is an inside job! These charges were intentional and malicious to say the least. 

JCPenny owes me money and I am not seeking any type of store credit. This is what I need assistance with and these charges appear on the following years statements I.e. XXXX, XXXX, & XXXX. Ironically, I was informed that there were no statements for the year XXXX, yet I have them! ( I have ALL the statements to show proof of charges ) Your attention to this matter is greatly appreciated! 

Customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 

2. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with XXXX XXXX and Equifax are reporting these unauthorized inaccurate accounts : Account : XXXX XXXX XXXX. 
Account number : XXXX Opened : XX/XX/year> Account XXXX XXXX XXXX XXXX  Account number : XXXX Opened : XX/XX/year> Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.