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

On XX/XX/XXXX I contacted XXXX XXXX XXXX to book a room for the weekend, after successfully booking room the representative asked if I would be interested in learning more about a free vacation I accepted to hear more information. After being transferred to XXXX XXXX  the rep went through all the details, I provided all my debit card information to the representative he said it didn't go through. He asked me to put him on hold to contact my bank to see what was going on. I placed the representative on hold contacted my bank and found out there was no reason for the charge of {$240.00} not to go through. The representative and I then got disconnected and the transaction was incomplete. I contacted my bank a week after to report a claim on the charges, they gave me a credit for the amount on XX/XX/XXXX. On XX/XX/XXXX the bank reversed the payment saying that I did business with the merchant. I have explained to my financial institute that the charge was not authorized, they advised me I need to contact the merchant at this time. I reached out the the merchant on several occasions through email, which is the preferred way they advised me of to request a refund. The last email send was on XX/XX/XXXX, the previous time was in XX/XX/XXXX with no response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I found that part of the information was inaccurate. The three credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without supplying proof within the legally required amount of time. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid off my car loan in less than 2 yrs. ( XXXX, 2022 ). The dealership had added on some type of additional insurance to my car loan & I was told I would get a refund once the loan was paid. Wells Fargo immediately removed the car loan from the internet so I could not check anything that was going on. The bank representatives said they also had no access to the information. I received a letter telling me to pursue the refund with the dealership. The finance person at the dealership told me that they had already refunded all money to Wells Fargo Bank, but the bank would take 6 months to refund the money to me. I did in fact receive the refund in XXXX, 2022. 
1st, I do not believe this " insurance '' should just be added automatically to loans. 
2nd, Wells Fargo sent out fraudulent information ( and wasted my time! ) sending me to the dealership for my refund when they in fact had already received my money from the dealership and were holding it for what turned out to be a full six ( 6 ) months. 
3rd, I was never compensated or paid any interest during the six ( 6 ) months they held my $ 600.+. When a consumer is even just 1 day late, they are hit with late fees as well as interest & penalties.

Interest on $ 600.+ over six ( 6 ) months is a substantial amount of money that I feel should be paid to the consumer!
Product: Debt collection

XXXX Hospital fraudulently claimed outpatient XXXX XXXX as Inpatient Services with my Insurer, resulting in a {$600.00} deductible owed, when contacted by myself and XXXX XXXX XXXX stated the account would be taken care of. In XX/XX/XXXX2017 XXXX XXXX notified me there was a new collections account on my credit report, from AmeriCollect originating from XXXX XXXX for {$600.00}. AmeriCollect has NEVER provided me any written notification of this debt and refuse to discuss the account over the telephone, XXXX XXXX states they can not discuss the account as it is now with collections
Product: Credit card or prepaid card

it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX and I kindly request that you address it promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Convergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Convergent Outsourcing has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

I have already sent several request for debt validation to Convergent Outsourcing, however they remained negligent and did not respond or delete the unverified account from my credit report.
Product: Credit card or prepaid card

In XXXX-XX/XX/XXXX, I purchased new kitchen cabinets, new counter tops and installation services through Home Depot - approximately {$65000.00} in goods and services, {$30000.00} of which was placed on a Home Depot Credit Card. Besides the facts that ( 1 ) we now are six and a half months into what should have been a six-week installation and ( 2 ) Home Depot 's partner contractors destroyed the cabinet doors when installing hardware and have been slow to get my replacement doors to me ( they reportedly were ordered and shipped to the local XXXX, VA store ), the company 's management from local to regional and up through the corporate level has been dragging their feet in issuing refunds due to me. The itemized list of refunds amounts to approximately {$5000.00} and this does not include the compensation I have been requesting for delays, failure of project manager to perform his job, loss of time at work, emotional distress, etc. 

The itemized list of monies due back to me include : {$1000.00} promised beginning on multiple dates between XX/XX/XXXX and XX/XX/XXXX by several Home Depot employees ( XXXX, XXXX and XXXX ) for me to use cabinets that had been misordered by XXXX and XXXX ; {$840.00} promised beginning on multiple dates between XX/XX/XXXX and XX/XX/XXXX by several Home Depot employees ( XXXX and XXXX ) for the labor to modify the misordered cabinets for use according to kitchen design ; unknown amount to be refunded for difference in price of cabinet ordered ( with a drawer ) and cabinet that should have been ordered ( no drawer ) and which required customized modifications ; {$1500.00} refund of prepaid monies for partner contractor to install backsplash ( partner contractor did not install backsplash - another vendor did at an additional expense to me ) ; unidentified amount in refund of prepaid monies for partner contractor to install hardware ( they did not complete work after being called out for destroying 42 cabinet doors ) ; {$560.00} for materials that went missing from house and could not be accounted for by partner contractor ( Regional leader XXXX XXXX told me Home Depot would refund this money to me on XX/XX/XXXX ) ; {$750.00} for unused customized and nonrefundable mouldings due to poor communication between design team and installers ( Regional leader XXXX XXXX told me Home Depot would refund this money to me on XX/XX/XXXX ) ; and the compensation I have been requesting for delays, failure of project manager to perform his job, loss of time at work, emotional distress, etc. 

Members of the Kitchen design team ( XXXX, XXXX and XXXX ), XXXX XXXX of the XXXX store, XXXX XXXX of the XXXX Virginia region, members of the partner contractor, HD customer care, HD 's general counsel, HD 's EVP of home installations and HD 's CEO all have been made aware of these issues and requests. None have been properly responsive or accountable. They either ignore my communications and requests, tell me someone else will contact me but no one does or simply run me around in circles.
Product: Credit card

I previously filed a complaint with you and the XXXX  with regards to TJX/Synchrony about a promo they offered. The geniuses on the phone and chat were no help. Synchrony responded that I would receive the offered {$5.00} rewards on XX/XX/2023. The rewards-per the offer was {$10.00}. I reached out to XXXX  and advised them that as expected, Synchrony would not follow through with the promotion. The rewards are NOT here as promised per the attached. The CFPB seems to allow financial institutions to misrepresent the status or promotions which in essence is FRAUD. My {$10.00} reward is due TODAY. My terms and conditions going forward are a {$25.00} a day LATE FEE.
Product: Checking or savings account

This is in regards to US BANK. My husband and I closed our account on XX/XX/XXXX. We closed the account because the local branch closed. The bank sent us a check dated XXXX XXXX for XXXX cents our remaining balance. I then received a check dated XX/XX/XXXX for {$16.00}. On XX/XX/XXXX we received an insufficient fund notification that said we owed them {$37.00} from a dispute I had settled last year around XXXX or XX/XX/XXXX. We then received a bank statement dated XX/XX/XXXX through XX/XX/XXXX stating that we are negative {$37.00}. Then we received a notice dated XX/XX/XXXX that they were wanting their XXXX and that they were charging us a {$30.00} account charge off processing fee, and that our account would close on XX/XX/XXXX, they also said in the letter that they would report us and would hurt us in getting further bank accounts, collection efforts would continue, and saying we would no longer have access to the account ( we haven't had access since XX/XX/XXXX the day we closed the account ). I have had more written correspondence from them since XX/XX/XXXX than we ever received in the 9 years we banked with them! I have talked to several people at US BANK, I have at least 3 recordings, one banker said we owe them nothing, others tell me different stories! Our problem is how do you close an account and then the bank reopen it? They have frankly made my husband and I sick! Any help would be greatly appreciated!
Product: Debt collection

We took our child for a XXXX  service at the XXXX XXXX XXXX on XX/XX/XXXX. I have my health insurance which should cover the cost completely. However, the XXXX XXXX failed to file the doctor as in-network, which resulted in an additional unpaid charge on us. 

At the time of service, we were told they would fix the doctor-out-of-network problem. That was not fixed and we ended up owning them {$220.00}. However, upon the next two visits of the XXXX XXXX in a month or so, they never told us we actually own them money. Instead, they sent the debt to a collector ( Allied Business Service ) on XXXX XXXX, XXXX, and updated it on XX/XX/XXXX and XX/XX/XXXX ( reduced to {$110.00} which I have no idea how that happened ). The XXXX XXXX XXXX called us ( my wife answered ) on  XX/XX/XXXX as a " complaint response, '' but we never filed a complaint. I only figured out the debt when looking at my credit record in XXXX. 

I visited the XXXX XXXX in person on XXXX XXXX, XXXX. The person told me we they would look into it and contact me. I called again in late XXXX or early XXXX, and was told the same thing. 

So eventually, this episode severely damaged my credit record ( I had 100 % on-time payment of all my credit cards and everything else looks fine ). Despite multiple attempts to solve the problem by visiting them in-person and make phone calls, the XXXX XXXX XXXX still haven't fixed the problem which they originated in the first place.
Product: Credit reporting or other personal consumer reports

XXXX {$5100.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and EQUIFAX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to XXXX XXXX XXXX  and Transunion lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, XXXX XXXX XXXX  and Transunion are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting or other personal consumer reports

" SEE ATTACHED CREDIT DISPUTE FILE '' CREDIT BUREAUS NOT RESPONDING TO ANYTHING
Product: Credit reporting or other personal consumer reports

I AM FILING A COMPLAINT AGAINST EQUIFAX FOR FAILING TO PROPERLY INVESTIGATE MY DISPUTES REGARDING INACCURACIES IN MY CREDIT REPORT. DESPITE MY SUBMISSIONS, EQUIFAX CONSISTENTLY RESPONDS WITHIN XXXX HOURS STATING THE ACCOUNT IS ACCURATE, WITHOUT PROVIDING ANY EVIDENCE OF A THOROUGH INVESTIGATION. THIS PRACTICE VIOLATES THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C.1681i, WHICH MADATES REASONABLE INVESTIGATION OF DISPUTES. FURTHERMORE, EQUIFAX 'S ACTIONS MAY ALSO CONTRAVENE THE CONSUMER FINANCIAL PROTECTION ACT ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), AS HIGHLIGHTED IN THE CFPB 'S RECENT ADMINISTRATIVE PROCEEDING ( FILE No. 2025-CFPB-0002 ) AGAINST THEM FRO SILIMAR VIOLATIONS. I REQUEST THAT THE CFPB TAKE ACTION TO ENSURE EQUIFAX COMPLIES WITH FEDERAL LAW AND PROVIDES CONSUMERS WITH THE NECESSARY PROOF OF INVESTIGATION. THESE ARE THE ACCOUNTS THE I HAVE MARKED IN ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

I have filed a complaint against XXXX XXXX XXXX that alleges the company, which operates as XXXX XXXX XXXX XXXX, charges improper and excessive termination fees for leases of point of sale ( POS ) equipment, such as payment terminals, card readers and mobile payment devices. 
We mailed this company many times to explain that a collection is impossible and we explained the collector can not seek a reimbursement from XXXX XXXX stemming from the profits reaped by the company from subjecting merchants to complex agreements involving several parties just to lease a POS terminal which could simply be purchased for less than {$200.00}. 

The only existing contract was signed with XXXX. This XXXX document is identified with a number. This document doesnt make any reference to XXXX XXXX. 
XXXX XXXX present a new Document with a reference to XXXX XXXX. This document was completed after signature. 
I claim that XXXX XXXX pushes merchants to lease payment equipment from XXXX XXXX upon entering into payment processing agreements with financial institutions, who serve as the companys agents in POS leasing transactions. XXXX XXXX allegedly tricks merchant customers into spending thousands of dollars leasing payment equipment that can be purchased outright for less than {$200.00}. 
I this case XXXXXXXX XXXX  allege a binding merchants to years-long agreements that do not allow for the cancellation of the lease of POS terminals. 

I didnt signed any leasing agreements with XXXX XXXX. 
The material ( XXXX XXXX XXXX XXXX ) was returned as soon as it was received. 
The merchant service XXXX was informed more than a year ago that the contract was breached. 
XXXX XXXX as well was informed a year ago. 

XXXX XXXX includes a alleged a non-cancelable agreement clause within its form contract. 
We never signed the contract neither any affiliates Program Guide.

We never signed an insurance for a non existant material. 
We never signed for any delivery of material from XXXX XXXX or anyone else. 

The collection company attempt to maximize profit for XXXX XXXX regardless of the circumstances and the documents provided. 
In fact, there is a class action for the same reason against XXXX XXXX claiming that the contract can not be canceled without the customer paying all remaining sums due for the full term of the lease agreement, even if XXXX XXXX fails to perform its obligations under the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Av XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXC XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a late payment for XX/XX/2023 but this account has never been late for the life of the loan. Its simply rude representatives that do not care anything about the consumer or trying to resolve an issue that is of no fault of the consumer. This company responded to a complaint but omitted key information. The company failed to disclose that each time I called them I explained to them that I mailed in the first letter in the appropriate amount of time and was repeatedly told by the representatives that there was nothing they could do to help me and that I just needed to make regular payments. I kept calling. I did not just decline as they put in their response. That doesnt make any sense why someone would continue to call just to decline to pay. I explained that I was on military training in an XXXX XXXX and could not receive phone calls or mail from XXXX XX/XX/2023 to XXXX XX/XX/2023. This company is lying by leaving out so many important facts. I gave them proof that I was on military duty and the representatives laughed at my situation over the phone. I could only use the phone a few times. I sent that paperwork through the mail and whoever accepts the mail for the company did not get it to the right place. The included apology is just another slap in the face. Im never buying another XXXX after this. A horrible way to treat military when I called repeatedly telling you I could not accept phone calls or receive mail and that I needed to handle the situation while I was on the phone calling YOU. I have provided proof that I was on military duty. This company is reporting this situation inaccurately. This is in violation of 15USC code 1666b. The company is also violating 15 USC code 1681i ( 5 ) by reporting inaccurate information. They keep saying that they did not receive a form back however I have repeatedly called and told them that I mailed the form in as instructed on the form. They can not provide any proof that they did not receive the form that I sent in. The requirement to provide proof is on the company and they have not done that. They just want to take advantage of a military member that had no way of contacting them except sporadically due to training. They are even misspelling my name in the responses, continuing with what seems to be the standard of reporting inaccurate information.
Product: Debt collection

Midland credit management has been harassing me for the past months such as reaging my account by adding a dollar or subtracting a dollar, also adding late payments to my credit report. These are both illegal tactics, per fcra guidelines they are definitely being violated. I wrote to midland credit about a mov because I want to see a contract with my signature from them or whoever theyre representing in order to add late payments to my account I need proof that that this debt theyre saying is mines is actually mines. I havent received anything from midland regarding my mov but Im still getting letters to possibly settle. I also included in the letter that if this info cant be provided to simply delete the account.