23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX we purchased an adjustable bed frame, but once it was received, we found it would not work for our needs. We contacted XXXX firm, and they told us they could not credit the account until the original order was received back, but they would open another account to place the new order. They said once the original order was received, they would credit and close the original account. That never happened. This debt was paid in full on XX/XX/XXXX. There were some unique circumstances, and we contacted the original debtor ( XXXX XXXX XXXX ) MANY times after the charges were paid, and were assured that this would be reconciled. Once Portfolio Recovery Associates bought the debt, they did not have access to all of the pertinent information and were unable to assist. Below is a timeline of what occurred and the problems with this account. 

XX/XX/XXXX - We spoke to XXXX XXXX with XXXX XXXX and placed an order ( XXXX XXXX. : XXXX ) for an adjustable bedframe and mattress, the total charge of {$2400.00}. This account/credit card number ending in XXXX. No interest for 12 months. 

XX/XX/XXXX The bedframe was delivered, however mattresses were not. The mattresses would not be available until XX/XX/XXXX. 

XX/XX/XXXX XXXX It was clear to us that the bedframe would not be suitable for us, so I reached out to XXXX XXXX XXXX via email to advise. He responded via phone and agreed to accept the return and we ordered the bedframe that would be appropriate ( XXXX XXXX. : XXXX ) XX/XX/XXXX Because the credit line wasnt enough to cover the return AND re-order simultaneously, he ( XXXX XXXX ) advised that we would have to open another credit card. This account/credit card number was XXXX. No interest for 12 months. 

XX/XX/XXXX We ordered the correct product and were assured that once they delivered the new bedframe and picked up the incorrect one, that a full refund would be given and that credit line and order would be closed. 

XX/XX/XXXX The correct product was received and the original was taken. The new total balance being {$2200.00}. 

The original account/credit card number ending in XXXX, was closed. We began making payments on the line of credit ending in XXXX. I will agree that we were late or missed payments, losing the interest-free promotion. 

XX/XX/XXXX We received the mattresses to complete the order. 

XX/XX/XXXX This charge was paid in full by us in the amount of {$2400.00}. 

They are now suing us for a debt we paid 100 % that was wrongly sold to a debt collector by XXXX bank. We have disputed multiple times over the past 3 years, and contacted all involved multiple times, but no one seems to care that we have proof from our bank account that we paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding Wells Fargo. Was trying to receive a loan modification. In XX/XX/XXXX. Wells Fargo is saying I was late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have documents showing my payments in all four months in the amount of {$800.00}. Wells Fargo did not tell me the loan modification would count as late payments on my credit report. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made double payments in the amount of {$2100.00} to get caught up. Wells Fargo has recently been convicted of unfair lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights. 

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 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 and the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

I spoke with this company on many occasions and filled out many forms and affidavits and for the past year they have been reporting on my credit reports that the debt is owed and when I file a dispute with the credit reporting agencys they delete it and then a few weeks later the same exact debt is back on my credit reports because this company ( Discover card ) keeps reporting the debt as owed when its not owed and does not belong to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a TD Bank Checking account. I was hit with {$280.00} dollars of over draft fees. I deposited Check and cash ( {$500.00} check & {$330.00} Cash ) in last 2 deposits over the week. Just to have a negative balance as of today. TD Bank assess fee 's on their own their own fee 's that cause my account to be negative. So, there is a snow ball effect of fee 's. Very unfair practice. I am told TD Bank will always debit your account before they add a credit for deposits. Which means they will seek to charge over drat fee 's first, then credit your deposit, which has the potential to generate massive income from fee 's from poor individuals like me. One particular instance, I had a {$1.00} debit card fee that caused a negative balance. I was charged {$35.00} Fee for a {$1.00} charge. Is that not be Usury!? ... This is A Very unfair practice.
Product: Credit reporting or other personal consumer reports

I have reviewed my TransUnion consumer report and I noticed unauthorized inquiries as a result of identity theft on my report. I would like any inquiry thats not attached to an account on my credit report removed immediately. According to 15 U.S. Code 1681c-2 ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXXXXXX XXXX  account number XXXX XXXX  XXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX ALL ACCOUNTS LISTED ABOVE VIOLATED MY RIGHTS LISTED BELOW 15 USC 1681 section 6028 states I have a right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which ante dates the report by more than seven years 15 USC 1681S-2 ( A ) ( 1 ) a person shall not furnace any information related to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate 15 USC 6802 No financial institution is not supposed to share my information to third-party people
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to receive my credit report from Experian. I am also unable to freeze my credit with Experian. I have tried to reach Experian via website, and via phone to both view my credit report, and place a freeze. The website lists an automated phone number to call after saying there was an error, which does not have any options to help me. I have tried multiple Experian phone numbers to solve the problem, but they all hang up after listing options that do not pertain to my problem.
Product: Credit card or prepaid card

Capital One is stating I was late to the Credit Beau On XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX which i was not. I have bank statements to show otherwise.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX 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 EXPERIAN 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 personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number 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: Consumer Loan

We have an auto loan with American Credit Acceptance. We have made a substantial principal payment in XXXX 2016. Along with this payment we made a regular one as well. Since this time we have continued to make our schedule payment on time. Upon review of a statement, we saw an error in applying our principal payment in XX/XX/XXXX. When we contacted the company, they tried to correct the error. Up on reviewing the account and trying to trade in our vehicle, we found our remaining principal balance was wrong. We contacted the company once again. The account is still not correct and we are not getting any help and the representatives speak rough English. 
Our last two payments have been kept ( according to the online account summary ) for interest only and this is not correct. It appears the company is trying to keep principle money for interest instead of applying as per the original contract of purchase. 
We need some help or will have to seek legal advice that can be costly.
Product: Student loan

I applied for PSLF loan forgiveness back through my servicer XXXX in early XXXX. However, it was delayed because the Federal Student Aid ( Department of Education ( DOE ) was now going to take over the PSLF process. None of my paperwork was transferred over and I had to start the process all over again and resubmit everything in XXXX of XXXX  now to DOE. My PSLF applications just sat there. So, I resubmitted my PSLF forms again in XXXX, and they were approved. However, DOE approved the forms to show them as complete even though they didn't complete the payment counts. I have made numerous phones calls, submitted numerous complaints and nothing has moved since XXXX. Every time I spoke with someone, I was given different information and different deadlines and excuses on how and why they're not evening meeting the timelines that they have set for themselves. As a struggling veteran this process has caused me undue hardship and an increase in fees and interest on my loans when my loans should have been discharged through the PSLF program. I have been a XXXX  employee for XXXX years now outside of my XXXX XXXX time. I just want what I qualify for and my student loans to be discharged.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request. 

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001 NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit card

On XX/XX/year>, I made a purchase from XXXX ( XXXX XXXX XXXX XXXX ) totaling {$160.00}. Upon receiving the order, I found that the produce, specifically mandarins and apples, were defective and damaged. The mandarins were moldy, and the apples were severely bruised and unfit for consumption. 

Actions Taken : XX/XX/year> : Reported the issue to Instacart promptly and initiated a dispute with XXXX XXXX ( XXXX XXXX ) for the transaction. 
XX/XX/year> : Received an email from XXXX XXXX XXXXXXXX indicating that the merchant had responded to the dispute, and the case was under review. 
XX/XX/year> : Multiple communications with XXXX XXXX XXXX, providing comprehensive photographic evidence and detailed explanations of the defective items. 
Company 's Response : Historically, XXXX XXXX  has sided with the merchant if they provide their return policy, often disregarding the evidence provided by me. This has led to frustrations and concerns about the fair handling of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy reporting on my credit reports. The credit bureaus are not reporting it correctly. I have been challenging them since XXXX. I have sent several letters ( XX/XX/2021, XX/XX/2021 and XX/XX/2021 ) and it still is not reporting correctly.
Product: Credit card or prepaid card

I had a return credit XXXX to my prepaid card by XXXX XXXX XXXX pay pal prepaid decided to keep my funds for 5 days after the retailer XXXX had returned my funds XXXX has communicated with me that my funds had been returned to my card but pay pal has not released my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a certified letter to dispute incorrect information on my credit report. I have not received a response stating that an investigation has even started. The information is inaccurate and needs to be corrected. 
They are reporting a payment status as " Current was past due 90 days '' This is an FCRA violation- and the status needs to be corrected to " current, or Pays account as agreed ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 17 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

I've been working an XXXX from Amerisave since XX/XX/XXXX. I received a Closing Disclosure on XX/XX/XXXX in the morning, the numbers look correct, {$170000.00} loan amount, closing cost {$7900.00}, monthly payment {$910.00} for the first 3 years and {$880.00} from 3 to 30 years. {$380.00} cash to borrower In the afternoon that same day, I received another Closing Disclosure that the have changed the numbers, loan amount {$170000.00}, closing cost was raised to {$8700.00}, monthly payment {$910.00} for the first 3 years and {$880.00} from 3 years. {$110.00} cash to borrower. 
I've contacted the Loan Officer and processor since Thursday, but they never return my phone call and/or emails. I contacted the customer service department and nobody wants to assist me. 
I'm getting very frustrated because closing was supposed to be XX/XX/XXXX, but never received instructions were closing would be or anything. 
Any assistance you can provide will be appreciated
Product: Credit reporting

I am a XXXX American Veteran ( XXXX ), and in XX/XX/XXXX the Department of Veteran Affairs ( VA ) erroneously input my Social Security Number ( SSN ) as " Deceased ''. The Dept. of VA corrected their files in XX/XX/XXXX and I went to my local Social Security Administration ( SSA ) office and had my Social Security Number ( SSN ) reaffirmed. All government agencies and credit reporting agencies have removed my SSN from being DECEASED, except for EQUIFAX reporting agency. I have submitted the SSA office reaffirmation letters, my drivers license, social security card and military ID card to Equifax TWICE ; but they still will not reinstate my SSN as active on their files.
Product: Mortgage

I'm trying to pay off a loan with Fifth Third. They are unable to help me process the last year 's worth of payments that they have sitting in a " suspense '' account rather than applying the payments to the mortgage. I've called almost 100 times now. 

This month they even returned money to me as they don't know how to process the payments. Their verbal pay-off balance they gave me today was some {$18000.00} above the balance of my loan but they admitted over {$19000.00} was being help bey the Bank but not applied to the mortgage payments. 

Further, they are trying to collect principal pay-downs on an interest only loan. I've tried many times to get Fifth Third to apply payments to my loan in accordance with the Note but have been unsuccessful. Now. they could well delay the closing on my sale.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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