23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/2016 I purchased a bedroom set from Rooms-To-Go for {$1200.00}. My furniture was delivered damaged. I was told it would be marked for replacement and that I would be contacted. I never was. I called store, was told to call customer service. They told me the information I was given was wrong. I was then told it would be replaced. They gave the date and time to choose. I setup a replacement date. The following week I received a text telling me my they would be there the next day at XXXX which was NOT the day I was scheduled for. I called them back, they said they did not know why it was set for then when i was scheduled for Wednesday from XXXX-XXXX. They told me it was too late and amanager would call to fix it. The next day while at work I get a call saying they are at my door and I informed them that was the wrong date and time. They rescheduled again and the same thing happened. I then filed a dispute with my bank as it had been over 30 days already. They setup a claim and confirmed I tried to work with the merchant to fix. The investigation was then closed and denied as they said the merchant said it was a valid charge. Not once did the investigator ever speak to ME the person who went through this. Of course the merchant is going to avoid the charge back. they told me in person at the bank they do not handle disputes for damaged goods. HOWEVER on their form, it specifically gives you the option to dispute a charge based on damaged goods. How can an investigator do an investigation when they never contact those involved. I have picture evidence of the damage. they stated the cause was becaue I had signed a receipt. Of course I signd a receipt when i made the purchase, it 's for furniture! You do n't see the pieces you 're getting delivered, just the showroom model. They made it out as if I had seen the merchandise I received prior to it shipping from their warehouse. The customer service call I was on WHILE AT THE LOCAL BANK BRANCH, just sat on the phone when I confronted her logic and could n't respond.
Product: Vehicle loan or lease

Account number XXXX Company name : Wells Fargo I am writing to urgently file a formal complaint regarding the ongoing inaccurate reporting of my credit information, despite the conclusion of a class action lawsuit against Wells Fargo on XX/XX/XXXX in which the plaintiffs one the class action lawsuit against Wells Fargo. As a result thedeficiency balances, and trade lines of all the parties involved in the class action lawsuit should be removed. It is imperative that immediate action is taken to rectify this situation as it is severely impacting my ability to secure new employment opportunities and maintain financial stability. Despite the completion of the lawsuit, my credit reports continue to display trade lines associated with Wells Fargo, along with outdated information regarding deficiency balances. This persistent misinformation is not only erroneous but also unjustly hindering my efforts to advance professionally and provide for my family.In accordance with the Fair Credit Reporting Act, I demand that all inaccurate and obsolete information related to Wells Fargo be promptly removed from my credit profile. This includes the complete removal of the Wells Fargo trade line and any associated data, as it is imperative to restore the accuracy and integrity of my credit history.The repercussions of these inaccuracies extend far beyond mere inconvenience. They are actively impeding my ability to secure employment, meet financial obligations, and pursue opportunities for personal and professional growth. Time is of the essence in resolving this matter, as every passing day further exacerbates the adverse impact on my life and livelihood .I urge the Consumer Financial Protection Bureau to expedite an investigation into this issue and take immediate corrective action to ensure compliance with federal laws governing fair credit reporting. Furthermore, I request assistance in mitigating the harmful effects that these inaccuracies have had on my financial well-being.I implore you to recognize the urgency of this situation and provide swift resolution to alleviate the unjust burden placed upon me. Your attention and intervention in this matter are crucial in restoring fairness and accuracy to my credit reports.Thank you for your prompt attention to this urgent matter. I await your swift response and resolution.
Product: Credit card or prepaid card

I am a federally protected consumer and CAPITAL ONE has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two private student loans that have been settled in full with Navient who continue to inaccurately report their balance and status. I had two Navient private loans go to one of their own collection agencies, XXXX XXXX XXXX. I settled this debt in full for both accounts. Navient still reports one account as open, both as still having a balance, and also have reported new late payments after the account was already settled in full. 

Both accounts were settled on XX/XX/2022. 

Both accounts settled in full with lender/collection agency letter verifying accounts settled in full.
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 XXXX XXXX XXXX  XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated.

This creditor is reporting as a charge-off on my credit report for multiple months. I requested documentation for the charge-off, which consists of the required 1099 form I should receive for IRS purposes . Lastly, the company is still receiving payments regarding this account, as my Gap insurance notified me by mail that they sent them a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having problems with XXXX XXXXXXXX credit card and the credit reporting companies reporting my balance and payment history. Im missing approximately XXXX missing payments that were made on time, they jus werent reported. So on my credit reports it reads no data in stead of saying paid. I also have my credit card statements which were provided to me by XXXX XXXX.
Product: Checking or savings account

CapitalOne suspending the BillPayer portion of its app. The resulted in my ebills not showing up, so I no longer know what is owed and when payment is die for these vendors. As a result, I missing paying a quarterly bill from XXXX and had to pay a fee for the late payment. 

CapitalOne provided no notice that BillPayer would be suspended and ebils would no longer be available. I suspect there are other CapitalOne customers who experienced the same thing and have also suffered economic loss ( i.e. fines and fees for late payments ). 

CapitalOne can not say when the BillPayer will be available again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report the illegal actions, wrong doings, and improper investigations of my complaints of fraudulent and identity fraud activities on my credit report. Experian knowingly allowed 3 creditors on my credit report, after I reported identity theft and fraud to them. I reported identity theft to Experian from XXXX to XXXX. In XXXX, I had asked Experian to put a note on my credit report to not allow credit inquiries and to not verify my identity to potential creditors, without my written consent. Experian did not put the alert on my account, until my 3rd request and not also not until I kept reporting fraudulent activities on my credit report. After Experian placed the note on my credit accountnin XXXX, they still allowed 2 credit inquiries on my credit report, without my knowledge, doing, and written consent. The credit inquiries were performed by XXXX XXXX and XXXX, in XXXX, after Experian placed a note on my file that no credit inquiries are to be performed, without my written consent. They also allowed 1 other creditor on my credit report named XXXX XXXX XXXXXXXX for {$400.00}. This account does not belong to me and I do not have any knowledge of this account. I also have not had no dealings with this company. This company also do not have all proper identifiable information, to identity me. XXXX XXXX XXXX does not have my mailing address, email address, phone number, nor my credit card information to claim that they extended credit to me and to say that I have an outstanding balance. Experian did not perform a proper investigation. Experian is the only reporting agency that I've had these many issues regarding fraudulent, stolen identity/fraud activity, and credit inquiries on my report, after knowing my identity was stolen and after placing a fraud alert and note on my credit report. Experian also continues to give creditors who are as a result of stolen identity and with whom I have no dealings and knowledge of, my home address. I would like for Experian to remove XXXX XXXX  XXXX for {$400.00} from my report. I have no knowledge of this company. This account is fraud, due to stolen identity. I would also like Experian to remove the credit inquiries by XXXX XXXX XXXX and XXXX from my credit report. I would also like for Experian to stop providing my personal information to creditors, particularly when they do not have my proper information, due to fraud and stolen identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account, XXXX XXXX, is old and needs to be removed. This account was never mine and reported by Experian in violation of Federal laws.
Product: Debt collection

I dont have any knowledge of any debt of my credit report I just start to get into building my credit and I see that I have 3 collections I have no knowledge of and that I for sure didnt sign for and Im trying to delete them so I can start my life in full swing so can you please help me
Product: Debt collection

Any and all of my medical debts are in current litigation. My attorney is XXXX XXXX of XXXX XXXX  XXXX. I dont have the dates I contacted RMP Services or names but I have pleaded them to remove this debt due to litigation. 

Im trying my best to improve my credit so I can move and these medical bills are gendering my ability to move. 

Id appreciate any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and a natural person. Do not close this complaint saying it's not me. In accordance with the Fair Credit Reporting Act. The lost of accounts below have violated my federal protected consumer rights to privacyand confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX has violated my rights XXXX account XXXX Transunion account XXXX XXXX XXXX XXXXXXXX XXXX has XXXX my rights XXXX account XXXX Transunion account XXXX XXXX account XXXXXXXX XXXX XXXX has violated my rights XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXXXXXX XXXX has violated my rights XXXX account XXXX Transunion account XXXX XXXX account XXXX 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Debt collection

FOLLOWIN UP ON COMPLAIN # XXXX XXXX. 

BANK OF AMERICA HAVE RESPONDED TO TELL US THAT THE ISSUE IS NO LONGER THE RESPONSABILITY OF BANK OF AMERICA BECAUSE THE LOAN IS NOW AT XXXXXXXX XXXX 

BANK OF AMERICA IS LIABLE FOR THE DERAILMENT OF THIS LOAN DURING THE FINANTIAL CRISIS OF XXXX AND BEYOND. 

WE ARE SEEKING COMPENSATION FOR THIS FINANTIAL INJURY. 

DURING THE DECADE OF XXXX AND BEYOND WE APPLIED MANY TIMES TO BANK OF AMERICA FOR A LOSS MITIGATION SOLUTION. 

BANK OF AMERICA FAILED TO DELIVER. 

OUR APPLICATION FOR LOSS MITIGATION WAS STUCK FOR YEARS IN BANK OF AMERICA FILES. 

PROCRASTINATION WAS THE NAME OF THE GAME. 

NOW IS THE TIME TO FACE THE MUSIK. 

TIME IS OF THE ESSENCE. 

WE ASKING FOR JUSTICE. THATS ALL WE WANT. 

THANK YOU, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reporting false and XXXX XXXX Midland Credit management continued lawsuit even while Provide with information to dispute, fraud report, Affidavit, and resolution letter, midland credit management continues to harness client at address and pursue legal action while CFPB disputes are In progress. Midland credit management has continued to harass client for a year and a half in many different ways such as XXXX. Telling client to sign up for payment plan XXXX. Sending information to multiple different counties XXXX. Accessing credit report without person XXXX. Calling after being told to leave client alone XXXX. XXXX lawsuit after dismissals
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft happen and my credit has been ruinned as a result. Here is a list of the items I discovered on my report that need to be removed immediately thank you. 

Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a report that was sent to XXXX XXXX via XXXXXXXX XXXX but have not gotten a reply from the police department at the present time. Thank you again for your help.
Product: Checking or savings account

My Navy Federal account has been hacked. I reported it almost 2 years now they stole {$2000.00} out of my account and asked me to pay back the money that was stole out of my account. I was having direct deposit from both of my jobs to Navy Federal and they made it upon close my account. I had no knowledge of what was going on. I reported everything that I noticed that was fraudulent and they persisted to lead close my account.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the lack of proper dispute investigation by American Express and to express my dissatisfaction with the customer service provided by XXXX. These issues have not only caused significant inconvenience but also demonstrate a worrying lack of commitment to customer rights and service quality from both companies. 

XXXX XXXX XXXX ** I have engaged with American Express concerning a financial dispute, providing them with substantial evidence and numerous communications. Unfortunately, their response has been insufficient and dismissive, without the thorough investigation that such a dispute deserves. This negligence in handling my dispute appropriately is alarming and suggests a lack of adherence to expected consumer protection standards. 

XXXX XXXX XXXX Additionally, my attempts to resolve an issue with XXXX have been met with one-sided and unfriendly responses. I have reached out multiple times through various channels, including online chat, XXXX, and direct chat support, only to be informed that while I could file a complaint, there might be no follow-up or resolution guaranteed. This lack of professional communication and customer support is unacceptable and has compounded my frustrations. 

Case situation : My dispute against XXXX XXXX for an incident that occurred at XXXX XXXX XXXX on XX/XX/2024. The focus of this complaint is the unjust baggage charge and unprofessional behavior displayed by XXXX of XXXX 's ground staff members, XXXX. 

As a XXXX passenger, I am entitled to a specific baggage allowance ; however, XXXX insisted on charging me an additional {$180.00} for my luggage. Her response to my inquiry was disrespectful, stating, " You only paid such fare for XXXX, what else do you want? You need to pay for luggage. '' This statement was both dismissive and unhelpful. 

Moreover, XXXX falsely claimed that my luggage was overweight, despite the absence of any " heavy '' labels on my baggage tag. This arbitrary accusation was not only unfounded but also indicative of unprofessional conduct.
Product: Checking or savings account

XXXX my bank account with citibank was hacked. Fraudlent XXXX transactions wiped my bank account clean totaling {$1300.00}. I notified the bank immediately. They told me they would " investigate '' the transactions and it would take 10 days. 10 days later I was given a temporary credit for the full amount and a notice saying a full investigation took 45 days. They wanted more information from me. This was some form of " spoofing '' but i did NOT give any personal information. The spoofer already had all of it. I truly think the hack went through the app on my phone. Citibank said they were going to withdraw the full amount back out XXXX based on their investigation which they did with NO explanation how this was my fault.
Product: Vehicle loan or lease

US Auto Sales has breached my contract and sold the debt to Westlake. Westlake is trying to force me to pay on a contract that is no longer valid. They are not able to collect payments from me because US Auto Sales is still the lienholder. The debt has been removed from my credit but they are still trying to collect on a contract they have no bearings on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Report File # XXXX dated XX/XX/XXXX : XXXX. ) Page 2 : Creditor : XXXX XXXX XXXX Account # XXXX, Balance {$13000.00}, Payment {$680.00}, opened XX/XX/XXXX. I do not have this account, the balance and payment. 
According to Creditor, XXXX XXXX XXXX, they have no record of the account with the balance and monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked alert on my report and called Equifax on XXXX asked about that it is ( A FM was filed at XXXX XXXX GXXXX XXXX  XXXX ). A representative explained this is an error will be rectified soon. I called on XXXX again but this time another representative explained me this due to your secured loan if you taken, I confirm from XXXX XXXX finance Manager about this entry but he denied and explained there is no procedure like this. I am concerned because EQUIFAX is not providing me a right information about my file. please confirm that how they will rectify this which is most important for me because of my mortgage renewal is due soon. Thanks
Product: Credit card or prepaid card

Date : XX/XX/2021 Amount : {$4500.00} I tried calling the issuer of the XXXX  Unemployment Card ( Bank of America XXXX about why they get my unemployment card closed which they have no positive responds. I tried sending out my unemployment money in the unemployment card to an authorized third party and the Bank of America got my card closed. After several callings and provision of all required information they still can not uplift the lock on my card.
Product: Credit reporting or other personal consumer reports

A Synchrony Bank / TJ Maxx Credit Card was opened in my name without any of my knowledge. The credit inquiry appeared on XX/XX/XXXX on my XXXX credit report and XX/XX/XXXX on my XXXX credit report. An account than appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX credit report on XX/XX/XXXX. It appears the account was approved and opened on XX/XX/XXXX. I proceeded to lock my credit and instill a fraud alert on all three of my credit reports on XX/XX/XXXX. There appears to be a balance of {$380.00} on the card and a limit of {$1500.00}. All of which I did not apply for, authorize or make any purchases with. I believe have been a victim of identity theft and fraud.
Product: Checking or savings account

Eight fraudulent accounts were opened up in my name via SunTrust Bank. After completing an investigation and concluding that the accounts were indeed fraudulent Suntrust closed the investigation with out closing the account. When I call to inquire about the closing of the accounts I am being told that the account are still under investigation while at the same time being told the investigation has been closed. I am going in circles with this institution and need assistance in getting this issue resolved. 
The case Id I was giving back on XX/XX/2020 is XXXX. I was alos informed that they may be a student loan opened up in my name but no details will will giving to me about the loan. Customer services representative also denied me the opportunity to speak to a supervisor regarding my case.
Product: Credit card

In XX/XX/23, I began to notice a Capital One credit card showing up on my credit report. The balance grew to about {$1800.00} by the end of XXXX. This is when I initially called Capital One where I was instructed to mail in the complaint and information for a dispute. I never received any confirmation that they received anything. I called again and was told that there is no other way to file the dispute.
Product: Student loan

My student loans are held by ACS. I have been paying on said loans consistently for over ten years. However, I recently returned to a XXXX  program and my loans were automatically placed into deferment. When I realized this, I called ACS to have the deferment removed and I immediately paid all accrued interest ( this Fall XXXX ). 

On XXXX XXXX, XXXX, I received a notice from ACS that  they again placed my loans into deferment. When I called to ask why, I was informed that they " automatically place loans into deferment based on information from the XXXX XXXX XXXX ''. Essentially, I was told that my school reports the information to the XXXX XXXX XXXX and they, in turn, provide the information to various student loan companies. 

What I find troubling about this stems from the statements from ACS representatives. I was repeatedly told that " they are required to place my loans in to deferment based on a federal regulation '' and " there was nothing they could do to stop this process. '' When I asked them to provide me with said federal regulation, they were unable to do so. 

However, Title 34, Section 674.38 ( a ) ( 5 )  states, " In the case of an in school deferment, the institution may grant the deferment based on student enrollment information showing that a borrower is enrolled as a regular student on at least a half-time basis, if the institution notifies the borrower of the deferment and of the borrower option to cancel the deferment and continue paying the loan. '' ACS gave me blatantly false information on multiple occasions and has continued to place my loans into deferment after I notified them that I wished to cancel the deferment and continue to pay my loans.