23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

While on vacation in XXXX, XXXX I purchased {$2300.00} worth of custom clothing from a company called XXXX XXXX. The clothing was supposed to be completed within 48-hours for pickup. After more than three weeks and more than seven visits to the store, the clothing was still not ready. After multiple requests for refunds, the company refused to refund the money. They attempted to mail me the products in the US, and since the products were incorrect each time I stopped by their store and since they refused to refund the money, I had already filed a dispute with my credit card so I refused to sign for the products. Since this company showed they attempted to mail " something '' to my residence, both Capital One and XXXX refuse to assist me and have sided with a foreign company notorious for fraud and scams. In my most recent conversation with Capital One I requested twelve times during the conversation to speak to a Supervisor, and Capital One refused to help. I have been a card holder with Capital One for 17-years. At this point, the company in XXXX has my money and I do not have the product purchased- and Capital One and XXXX refuse to help.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several inaccuracies. The three Credit Bureaus are required to verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to consider these accounts as unverified without providing proof within the legally mandated time frame. 
XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00}
Product: Debt collection

Disputed this collection on my report from Amshercollectionservices For the amount of {$2800.00} This is from a Busniess account that is not associated with me in any way nor do I work for this company. I have disputed this last year in XXXX and it was removed and than placed on my account this year in XXXX. I havent sent several letters asking them to remove this from profile and have not received any letters back in regards to this account.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$4200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Citi Bank regarding a letter received about being enrolled in an Optional Debt Program without my consent. The letter gave no information other than the last four digits of a account number, a tracking number, and a reference number. I had to go online to locate a customer service number to inquire as to when this occurred and the account number. I called Customer Service ( XXXX ) XXXX-XXXX and spoke to XXXX. She read a scripted message referring me to the " refund website to file a claim ''. I asked for further information and she said she had none and also refused to give me the Corporate Office phone number or address. When I told her I ca n't research my records without a account number or time frame she hung up on me. I called back and asked to speak to a Manager and was transferred to XXXX. She also read from a scripted message and said they had no other information. I then realized that this problem sounded like the Consumer Fraud problem that happened at XXXX XXXX and they must be trying to correct something they did illegally. I now see that they were also caught adding illegal charges to their customers since XX/XX/XXXX and have to pay out a large sum of money to current and former customers. It 's a shame that Banks have done this for years and do n't have to provide records to the customers who want to verify for themselves how much they are owed. Why should we trust them now for a refund when they claim to have no information on the account? How do we know they are suddenly honest? Is there a way to verify my account as the letter says " our records reflect you were enrolled in a Credit Protection program without your consent ''. Should n't they have to provide me with the information since it 's still in their records? 
They should also train their employees in Customer Service how to talk and handle customers, but of course why should they care if they cheat and lie themselves. 

XXXX XXXX Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My x girlfriend ask the the company to remove me as a authorize user, they told her they did but still shows up on my credit report, this was done around XXXX
Product: Debt collection

I was with XXXX and I switch over to XXXX XXXX  and XXXX XXXX  they will pay them of so when I switch to XXXX XXXX they said I have to paid XXXX of..so they send me to collection both XXXX and XXXX  XXXX and this is been damaged to my credit..they deceive me and mess my credit up I have suffer financial hardship it cause me health problems in my life and can't get a house loan for my family..XXXX  XXXX and XXXX cause hardship in my life
Product: Debt collection

AFNI is refreshing an old debt, every time I dispute and it is removed from credit report. They will reappear on my credit report with a new date opened date on my reports. They will remove and delete and then keep reappearing with a new closed date. This account has been paid in full to XXXX 5 years ago.
Product: Credit reporting or other personal consumer reports

XX/XX/13 @ XXXX XXXX I received alert that my credit score decreased by 13 points. After investigating on the Wellsfargo app, it shows that I have 5 late payments within 30 days and 5 late payments within 60 days. I checked my credit report on XXXX, XXXX, and XXXX and it show that I have 100 % on time payments within 3.5 years. I called Wellsfargo checking because I currently only have a checking account with them and NO credit card to confirm that someone else did not open a credit card in my name. The rep on the phone said she could not help me so she transfer me to credit card dep who then transferred me to recover account who then transferred me to the business dep. At that point the call got hung up without speaking to a reep. I clearly expressed I was concerned about fruad but none of the reps wanted to help correct the incorrect information showing on their end or confirm that there was no fraudulant activity on my account. 

I have reached out to wells fargo to seek resolution to the issue but no resolution was taken by wellsfargo.
Product: Debt collection

I spoke to the debt collection company Harris & Harris LTD. I was transferred twice all resulting in them both hanging up in my face. When I spoke to a representative the XXXX time she said they had no record of any debt from me and put me on hold for an hour. I then called the number again which the same person answered and I informed her I am still on the other line and we went through the process again of them saying they dont show in my system I owe them anything. That they wont be able to help remove it or send anything out clarifying I do not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint on the same issue. I am responding to complaint number XXXX and complaint number XXXX. I have requested to see Verified record of Experian and XXXX files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer. 

i am uploading loading ; Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement,
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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 periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX 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!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 in 60 days 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 periodic 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. 


XXXX XXXX XXXX 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 8
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file
Product: Credit reporting or other personal consumer reports

I am reporting TransUnion for failing to block and remove fraudulent accounts from my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I am a victim of identity theft and submitted the necessary documentation, including an identity theft report and proof of identity, to request the removal of the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has not complied with the FCRA requirement to block and remove the fraudulent information within XXXX business days. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring TransUnion takes immediate action to remove these fraudulent accounts from my credit file and complies with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. These accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX Date Opened XX/XX/2015 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Had someone hack into my account and tried to call customer service for cashapp and got nothing but bunch of spam
Product: Prepaid card

Debit Card Company ( COMDATA ) refuses to assist customer, XXXX XXXX with transaction dispute regarding online retailer theft of funds An online retailer named ( XXXX  ) advertised televisions online. 
I ordered one T.V. and paid via my COMDATA debit card on XX/XX/XXXX, in the amount of {$34.00} I have a ( XXXX  ) receipt # XXXX I have a copy of the ( XXXX  ) tracking slip # XXXX ( XXXX  ) Product SKU # XXXX XXXX  website address : XXXX XXXX email address : XXXX Product description : XXXX XXXX XXXX XXXX XXXX. 
I never received the television delivery. 
The retailer ( XXXX  ) took the {$34.00} from my debit card ( COMDATA ) and has refused to refund the {$34.00} And, I had also attempted a transaction dispute with my debit card company, COMDATA, but, the debit card COMDATA representative also refused to refund my payment of {$34.00} ( XXXX  ) sent me a fake online alert on XX/XX/XXXX, stating that my delivery had arrived at shipping address : XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX, however, there was no package delivered, no television arrived. 
( XXXX ) has still refused to refund my online payment of {$34.00} The debit card that I paid for the television with on XX/XX/XXXX was COMDATA and they have also refused to refund the {$34.00} after I filed a transaction dispute regarding the ( XXXX  ) online payment. 
Today is XX/XX/XXXX and the online retailer has kept my money and refuses to deliver the XXXX XXXX XXXXXXXX XXXX  XXXX that is described on my XXXX  receipt from XX/XX/XXXX. I have made numerous attempts with the online retailer ( XXXX ), but I am being ignored. My name is XXXX XXXX, I am the customer that they have scammed.
Product: Credit card or prepaid card

Starting with my XX/XX/XXXX statement, I wrote a check to US Bank to balance transfer {$1800.00} that was supposed to get me 0 % interest until XX/XX/XXXX. I did another check balance transfer on the same card with my XX/XX/XXXX statement for {$1800.00} that again was supposed to be 0 % interest unto XX/XX/XXXX. On my XX/XX/XXXX statement, I made a car payment to my wife 's car and it somehow counted as a cash advance in the amount of {$580.00}. The cash advance rate on this card is 25.99 %. My minimum payment on this statement was {$70.00} and I made payments that totaled {$1500.00} for this month and I was charged interest on the cash advance and on the purchases that totaled around {$23.00}. 

On my XXXX statement, I made a lot of purchases ( 16.99 % interest ), but also made a payment in the amount of {$4800.00} ( minimum payment was {$56.00} ) and was charged {$8.00} in interest on the cash advance that still somehow had a balance. 

On my XXXX statement, I made more purchases, but also paid {$1200.00} in payments with a {$120.00} minimum payment. One of my 0 % balance transfers was paid off by this month and I was charged {$66.00} in interest on my purchases ( 16.74 % interest now ) and {$.00} on the cash advance that was still not paid off, but now has a balance under {$10.00}. 

On my XXXX statement, I made more purchases and made payments of {$4500.00} ( minimum payment of {$100.00} ). This month, my other 0 % balance transfer was paid off, the cash advance still was not paid off and I was charged {$.00} in interest on the cash advance and {$67.00} in interest on purchases. 

It was with this last statement that I finally realized that they were paying off my lowest interest balances first and sticking me with the interest on my highest balances. It was my understanding that the Credit Card Act of 2009 made it the law that companies had to apply any " overpayment '' ( anything paid above the minimum payment ) to my highest interest balances first and pay those off before moving to the next highest interest. When I called US Bank and asked them about it, they said the law changed and they were not required to do anything of the sort. They could apply my money how they see fit and have been applying my entire payment to the lowest interest balances, which is why my 0 % interest balances were paid off before the 25 % cash advance was paid off ( still not paid off technically ).

If they're right, let me know if the law changed or how I'm interpreting this wrong. But I couldn't find anything that said that info was correct and it appears they're breaking the law by doing this to me. Let me know though! Beyond that, if they're doing this to me, they're doing it to their other customers too!
Product: Vehicle loan or lease

I applied for a line of credit online I got accepted by credit acceptance I was referred to XXXX XXXX XXXX XXXX XXXX XXXX picked me out a XXXX XXXX XXXX I put {$2000.00} down and drove the XXXX XXXX  for 3 months before it started breaking down the vehicle lasted a total of 6 months for me to find out it had engine failure the vehicle came with a warranty I was given the runaround for repairs the vehicle set at XXXX XXXX for 14 months unrepared and then was sold for {$700.00} not fixed XXXX XXXX is asking me for {$1600.00} for tearing the vehicle apart credit acceptance is standing I owe them XXXX and it's not telling the truth and never fixed the vehicle I filed a complaint with the Ohio attorney general they sold me a lemon I would like for them to be removed from my credit report the vehicle was not reliable and they didn't try to fix the situation. My warranty was never honored now I'm trying to obtain reliable transportation but this {$14000.00} is holding up my credit report I do not owe them that the vehicle was not worth that in a way I was treated was not fair.
Product: Bank account or service

I 've been trying to get a modification since XX/XX/XXXX through Bank of America. Excuses after excuses and I know that I 'm qualified. This last attempt to modify my mortgage their answer was " We ca n't Identify you with the mortgage ''. What does that mean, I asked and they had no answer for it. I have tried over and over again and I think they just want to take my home and I 'm going to fight for my home of XXXX years. I 'm recovering from a house fire in XX/XX/XXXX and was out of my home for XXXX months only to come back and Banks of America says the want me out. Loan # XXXX XXXX XXXX XXXX see do n't this verify me with the property at XXXX , Kansas XXXX. Please help me keep my home! Help me fight Bank of America. Thanks in Advance.