23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the FCRA they are in violation of section 605 B, it is illegal to report any information on my report without my permission and I have the right to an accurate credit report. Please remove these items immediately as they are hindering me from handling important matters.
Product: Debt collection

This company put a collection on my account which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to XXXX, Experian, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding your bureaus failure to delete the fraudulent accounts from my credit report, despite my submission of all required documentation, including the FTC Identity Theft Report filed with the Federal Trade Commission. I have diligently provided comprehensive evidence demonstrating that these accounts are fraudulent and do not belong to me. Other credit bureaus have reviewed the same documentation and have promptly removed these fraudulent accounts from their records. It is, therefore, incredibly disheartening to see that your bureau has not taken similar action. The persistence of these fraudulent accounts on my credit report is causing undue stress and potential financial harm. It is baffling and unacceptable that your bureau continues to report these inaccuracies despite clear evidence and confirmations from the institutions involved. I had expected your bureau to uphold the principles of accurate and fair reporting as mandated by the Fair Credit Reporting Act ( FCRA ). Your continued inaction not only undermines my trust in your services but also raises serious concerns about the efficacy of your dispute resolution process. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sent letters and contact agencies to remove account, but no one responded. This account does n't belong to me.
Product: Credit card or prepaid card

Synchrony bank closed my account said my score was XXXX I have a 100 % pay record never been late
Product: Credit reporting or other personal consumer reports

I sent in certified letters on XXXX XXXX, XXXX XXXX XXXX XXXX. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX, Experian. They refused to call back or give me any information after submitting all provided documentation as a consumer to have inaccurate information removed from my credit report. They cant validate my signature on any form nor prove supporting documentation on why they refused to remove inaccurate information for over a year with me filling several disputes, calls uploading documents through their portal on multiple occasions.
Product: Debt collection

2nd complaint. 

I have sent in XXXX requests certified mail asking for Collections Consultants Of California to:1. Prove that the debt is mine and have yet to receive any validation. 


2. I have also requested a HIPAA authorization askingThey have no right to " subrogate '' ( substitute ) themselves into a medical related contract, whether it is by purchase, assignment, transfer, or trade. If they " bought '' the debt, they did it on their own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).
Product: Checking or savings account

I am filing this formal complaint regarding a dispute with XXXX XXXX, a furniture store that has since filed for bankruptcy and ceased operations, as well as with my financial institution, Capital One. Despite repeated efforts to resolve the matter, I have not received the furniture I purchased from American Freight, nor have I received a refund for these undelivered items. 

Details of the Issue : 1. Purchase and Non-Delivery : On XX/XX/XXXX, and XXXX, XXXX, I made significant purchases of furniture and other items from XXXX XXXX. The scheduled delivery date for these purchases was XX/XX/XXXX. 
On XX/XX/XXXX, I did not receive the delivery as promised. When I visited the store to inquire, the XXXX informed me that my purchases had been mistakenly given to another customer. Additionally, I was told that, due to the companys bankruptcy, they could not issue a refund and directed me to dispute the charge with my financial institution. 
XXXX. Efforts to Resolve with XXXX XXXX : I attempted to resolve the issue with XXXX XXXX directly, but they refused to provide a refund or any resolution, citing their bankruptcy status. 
XXXX. Dispute with Capital One : I filed a claim with my financial institution, Capital One, on XX/XX/XXXX, explaining that I paid for goods and services I never received. 
Despite my detailed account of the situation, Capital One has neither issued a temporary credit nor resolved the matter. They informed me that their investigation could take XXXX months, which is unacceptable given the circumstances. 
On XX/XX/XXXX, I spoke with a Capital One supervisor who claimed that my original report on XX/XX/XXXX was incomplete. I provided additional details and expressed my dissatisfaction with how this issue is being handled, as well as the unreasonable delay in providing a resolution. 
XXXX. Comparison to Previous Claims : In the past, I have filed similar claims with Capital One for non-delivered goods from other merchants ( e.g., XXXX, XXXX XXXX ). In those instances, I was promptly issued a temporary credit while the claims were investigated. This case is being handled differently without any clear explanation. 

Impact : This dispute involves significant purchases of furniture, not minor items or mail delays. The financial impact is substantial, and the ongoing delay in resolving this matter is causing significant stress and inconvenience. 

Requested Resolution : I am requesting : XXXX. XXXX issuance of a temporary credit by Capital One for the disputed amount. 
XXXX. A thorough investigation into the claim to ensure a fair resolution. 
XXXX. Transparency and accountability from both Capital One and XXXX XXXX in addressing this issue. 

I appreciate your attention to this matter and look forward to a timely and fair resolution. 

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

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. However, the Experian and XXXX credit Bureaus are reporting these information in my file. The inaccurate addresses are listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

On XX/XX/year>, at XXXX XXXX, XXXX started sending me e-mails without my actual consent. The bottom of the e-mails state that XXXX XXXX contracts with them. I have previously been injured by XXXX XXXX 's failures in customer service, for which I recently received some financial compensation.
Product: Debt collection

The collection agency has contacted my place of employment several times pretending to represent a law firm. Due to the perceived urgency of the call, the front desk secretary transferred the calls and gave the agency my direct extension. I have verbally asked them not to contact me at my place of employment 3 times, however, they continue to call. I also sent a letter requesting the same.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I payed CapitalOne Quicksilver credit card in the amount of {$2500.00} with the understanding that the account would be closed and all information would be corrected on my credit report. 9 MONTHS later its still saying active and past due.
Product: Credit reporting

Experian is reporting inaccurate information on my credit report. There are XXXX different XXXX accounts which does not belong to me that is afffecting my credit.
Product: Credit card or prepaid card

I opened a new acct with XXXX XXXX per their offer in XXXX when I bought things here. The total charge was {$67.00} and it was due XX/XX/2018. I paid off this amount of {$67.00} on XXXX, knowing that I was late therefore a late charge will appear later, I called XXXX and asked to have my late charge waive as a one time courtesy. The lady who answered my phone was very helpful and said will do that for me. I assumed things should be ok by then, but when I got back XXXX XXXX in XXXX, checked on my mails and notice no late charge has been waived but on top of it is more late charges adding up to today ( almost a hundred dollars ). I then called again and spoke to a lady, explained the whole thing, after that she hung up my phone? I was frustrated and disappointed because I do like XXXX  XXXX. Please help. Thank you very much. XXXX bless. XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I never requested the loan. I wanted to see the rates and end monthly payments. I did not want the loan once I saw it and I did not approve it. I clicked on " review order ''. It wasn't " complete '', " submit '', " request '' or anything like that. It said " review order ''. No text said anything whatsoever about submitting it. Next thing I know, it's completed and submitted. I immediately cancelled it with the seller and informed them this was not approved. I then contacted affirm to get it cancelled. They not only refused, but insisted I must have made the decision to submit intentionally. The rep was kind about it and understanding, but said she could do nothing. I don't blame her and don't doubt she has her limitations, but considering this is an illegal, unapproved loan, I expected more of an effort to fix it. Their solution was for me to request a cancellation from the seller and wait a week or two for them to cancel it. That means a loan I never wanted and the credit check for it go on my credit report. Absolutely not ok with me. My credit score, flawless for 12/13 of the years it existed, has been completely ruined and screwed multiple times in the last year by things outside my control and I've had enough. I'm done being a floor mat. " COVID issues '' isn't an acceptable argument anymore ( not that it was ever a particularly great defense. A virus existing doesn't mean you get to abuse federal bailout programs, close active and up-to-date accounts, and violate signed mortgage alteration agreements ).
Product: Credit reporting or other personal consumer reports

I received a letter in the mail back in XX/XX/XXXX in regard to the XXXX XXXX security data breach. Not long after receiving the letter, I noticed a debt collector, Wakefield Associates, listed on my credit report. This agency turned me into collections and claimed that I owed them {$690.00}. An initial letter was never sent to me. On XX/XX/XXXX, I sent them a dispute letter asking them to provide me with proof that I am indeed the responsible party for this debt. Nevertheless, they were not able to provide me with any proof, and as of now, this agency has not responded back to my letter. After rechecking my credit reports, the collections account is now deleted. I am unable to find it anywhere on my reports. This company still took it upon themselves to report my info to the 3 credit bureaus for a debt that I was never responsible for. Even though the account is now deleted, my credit is ruined. My local police department claims they are unable to do anything about the issue.
Product: Payday loan, title loan, or personal loan

I was shown a repayment chart for a healthcare loan of {$13000.00} from Care Credit by XXXX XXXX ( XXXX XXXX, XXXX ) that would have allowed me to pay off the loan in 48 monthly installments of roughly {$400.00}. For a total cost of between {$13000.00} and {$20000.00} according to the booklet they gave me. I began paying monthly as planned only to find that after 7 months they dropped a one time nearly {$2000.00} finance charge on to my account and began charging me 26.99 % interest. Apparently they had asked me at some point if I wanted a six month repayment plan but I was unclear on what that meant. I would like them to wipe off the excessive and usurious finance charges and refund them to my account. I have repaid {$14000.00} in the hopes of closing this bait and switch account in its entirety.
Product: Prepaid card

This card we bought on XX/XX/2023 during our road trip has refused to work, we tried to use it at the store, and we purchase 2 for {$500.00} each, got the first one it didnt work, then we purchase another with the hope of rectifying the first one after our trip but both card wont work, we tried to check balance on their website it says we are unable to process your request, called the number at the back it wont go through to a live agent, we got stranded because this was meant to cover for our gas and other miscellaneous, forced to use my bank card for purchase, all documents are attached to this complaint
Product: Student loan

During my XXXX and XXXX programs at University XXXX in XXXX, Texas, I received several private student loans to fund my tuition and expenses. Upon graduation, I began paying back my student loan debt through the company I borrowed the money from, XXXX. Earlier this year, XXXX began having American Education Services manage/service all existing student loans and XXXX discontinued providing private loans to students. 
While XXXX was servicing my loans, I never had any problems/issues with how my payments were handled/distributed among the different loans that I was paying towards. I was able to pay off several of them by making additional principle only payments in addition to the direct debited amount that was taken from my checking account each month and distributed among my loans. 
Since AES ( American Education Services ) has taken over the payments, I have had to contact them every month, often times several times each month, due to my payments not being posted/allocated as requested. I have sent in multiple email requests, phone requests with customer service agents, and most recently, handwritten requests that were signed, dated, and faxed in to avoid the conflicts with dealing with the customer service agents on the phone. 
I continue to have problems with AES not distributing my payments properly. I am making additional payments outside of my monthly direct debited amount in order to pay down my highest interest rated loans and every time I make an additional payment, AES skips or lowers the amount that is SUPPOSED to be directly debited and either lowers the monthly debited amount due or applies it to the loan with the lowest interest rate. 
I have requested XXXX different times to CANCEL the " paid ahead status '' that AES kept placing on my account, which is what excuse they provided for me when I first made the complaint. The next month, I made an additional payment and my scheduled monthly direct debit amount for the highest interest rate loan was once again skipped. When I contacted AES customer service again to determine why it was happening again after I requested the paid ahead status to be cancelled, I was informed that when a borrower calls to request cancellation of the paid ahead status, it only cancels it FOR THAT MONTH and then it is set to restart the next payment cycle. I was informed that I would need to send in a written request that clearly states I wish to PERMANENTLY CANCEL the paid ahead status on all my loans, which I did. Now, after making several additional payments, my loan with the highest interest rate of XXXX % that shows to have a monthly payment of {$28.00} applied with my direct debit payment, was only paid on in the amount of {$2.00}. 
I am not sure what else to do, because every time I contact someone at AES, I get a different excuse, a different reason, or a flat out lie, on why my accounts are not being paid back in the manner in which I have requested. I have paid back over $ XXXX to my student loans over the last several years and I still owe almost $ XXXX. I do not wish to continue to have to deal with AES mismanaging my money for the next several years to come.
Product: Credit card or prepaid card

I purchased tracking lights on XX/XX/XXXX from XXXX in the amounts of {$580.00}. It said delivered, but when I checked it never here at my house, never in front of my door or unit. I live on the XXXX XXXX  of the apartment. And there are so many apartment buildings. Proof of delivery did not show the door or Unit number of my apartment. No one sign for the delivery.

Then the banker ( lady ) from Wellsfago called me and said : I see the letter XXXX  on your door in the picture online and it matches the address, only one XXXX for the XXXX building, need to report to the police, you need to call and resolve with the carrier ( XXXX ), I cant do anything or help you. I told her that I already contacted XXXX and XXXX said to contact XXXX, then XXXX said to contact the merchant or my bank institutions. Now my bank ( Wellsfargo ) told me to contact XXXX or police. Once again, I never received anything and it never arrived at my apartments door.
Product: Credit reporting, credit repair services, or other personal consumer reports

received a call from one of capital one employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that capital one will notify each credit bureau to removed the account from my credit report I have been dealing with capital one since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck
Product: Credit reporting, credit repair services, or other personal consumer reports

See highlighted information.

Every item that is circled and highlighted is a violation. Every account in violation needs to be removed. There are multiple federal violations and discrepancies in accuracy of reporting that will cause information to be reported after the statute of limitations.

I will be taking legal action for every item that is not removed as it each violation is breaking federal law per the Fair Credit Reporting Act.
Product: Payday loan, title loan, personal loan, or advance loan

I was in need of a small {$1000.00} loan to pay off some bills. I inquired with several different banks to explore my options. Somehow during this process, CreditFresh opened this account without my knowledge or permission. I was only trying to get info on rates. After I was informed of it being opened, I requested that it be closed immediately and my request was denied. They told me they would take monthly payments directly from my checking account and that it would be paid off quickly. After paying for several months, I noted that the fees being deducted from my bank account were only enough to cover monthly finance charges and fees and the principle was never touched. Not only did they open the account without my permission, they mislead me in regards to how it would be repaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of Education XXXX XXXX US Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX  XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have tried many of times to work with Navient to lower my payments but to no avail. I was laid off from work in XX/XX/XXXX and did n't know what to do so they told me to go with forbearance, not knowing anything about it, I thought it sounded like the best idea. I was also told I ca n't set up any other payment plan becaus e I am out of options and I am about to be laid off again as of XX/XX/XXXX and ca n't afford XXXX a month payment
Product: Credit card or prepaid card

Purchased 3 pairs of boots/shoes from company online - it was fraudulent XXXX popup site and when they provided international tracking # I knew it was scam. The shipper wouldn't respond to emails and once item showed delivered ( XX/XX/2020 ) to my 3 inch by 12 inch mailbox I went to check - no items. But shows delivered- Junk mail? Not exactly sure what came- but never received 3 pairs of shoes!!! I called Barclay XX/XX/2020 and filed claim - they gave Case ID XXXX and opened investigation. Barclay 's called XX/XX/2020, and left me on voicemail, and I called them back 5 minutes later and spoke with a rep who asked me if I received my package, and I again stated NO - nothing received. On XX/XX/XXXX, I check my card statement and see that they ruled in the scammer 's favor saying that I didn't respond to call, and that scammer has proof of delivery (? ) how do you have proof of delivering 3 pairs of shoes ( XXXX western boots ) to a 3 '' x12 '' mailbox? The order was {$76.00}, which I get that I fell victim for 'bargain ' prices - won't ever do it again. I contacted Barclays and faxed them a letter as directed and have not heard a response back.