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

I bought the counterfeit handbag from the XXXX and store refused to take it back. I paid {$1000.00} for the bag on XX/XX/17. Master Credit card Ihg chase didn't provide eligible paperwork from the XXXX to me, despite I asked it for many times. I was not able to reply to the merchant as I was not able to read what they are saying. The credit card closed the dispute and told me that I can reopen it with additional information. I paid {$89.00} for the authentication letter from XXXX XXXX which is specializing in authentication of the high priced handbags. The document is supporting previous opinions I received that the bag is not made from the crocodile skin as advertised. The credit card opened a new dispute for {$1000.00} and denied it because it was not in dispute time frames. It is not clear why the amount is different. In addition, credit card accepted the merchant 's friend opinion from XXXX. XXXX came with the conclusion that it is crocodile skin only because he never saw counterfeit handbags from XXXX. The statement has no ground if he didnt see fake handbag before it does not mean that it doesnt exist, and should not be used as proof in the dispute. Master Credit card Ihg chase supporting illegal store activities.
Product: Debt collection

On XX/XX/XXXX I received the 2nd letter about a debt : from Resurgent Capital Services about a Pinnacle Credit Services Account # XXXX which is past the Statute of Limitations for enforcing this type of debt through the courts in Ohio have expired. 

This company has disobeyed my cease and desist order as seen in the attached as this company is a company tied to XXXX XXXX XXXX XXXX XXXX XXXX in which has the ease and desist order as per the USPS Certified Receipt listed I called Resurgent Capital Services to ask why they sent me another letter. The Associate stated they had the cease and desist order on file and could not answer any questions on the file. 

When asking why they sent me a letter again the Associate stated that he could only speak to me about the issue if I listed the account as non cease and desist. 
I advised He, his company, and any other fiduciary to cease and desist and they are in violation of that order.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. The account that you have listed on my credit files, are the result of identity theft and should be removed from my credit file as soon as possible. Please be advised that you are in direct violation of the Fair Debt Collections Practices Act, this is against the law. XXXX currently is reporting inaccurate accounts to my credit report, these accounts should be removed from my credit file as soon as possible. 

I have attached my police report and well as FTC Report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I contact Navient customer service on or about XX/XX/2020 to see how can I go about paying my private student loans that had charged off. I was given a number to XXXX XXXX XXXX , XXXX. I contacted them and spoke with XXXX who informed me that I can settle for less and the accounts would be satisfied in full. I made the payment of {$2500.00} on XX/XX/2020. Since then I have contacted navient on several occasions asking about when will my private student loans show {$0.00} due, the payment shows on my account. I was informed on XX/XX/2020 that XXXX didn't submit documentation showing the loans were settled they just submitted the payment. So I contacted XXXX and they assured me that they sent over all docuemtations. On XX/XX/2020 I called navient and XXXX again to rectify this matter and the blame game started again. Navient don't know why or what to do because XXXX haven't provided them with the documentation whereas XXXX stating they provided them with the same documentation they sent to me ( I will upload it here ). Needless to say on today it still shows a balance and no one still knows how to update anything.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I ordered a set of aligners from XXXX XXXX XXXX. Once I had received them they did not fit. XXXX XXXX XXXX reached out and sent me a second set. Unfortunately the second set did not fit. After talking to my doctor we agreed to have my teeth XXXX scanned on XX/XX/XXXX. After which I was being sent a third set with my new scans. The third set never arrived due to XXXX XXXX XXXX filing bankruptcy. HFD the payment creditor has done nothing in terms of coming to a resolution. As I have told them and sent them emails, photos, phone calls and shipping information. On smile direct clubs website as of XX/XX/XXXX it had stated that customers who never received a full treatment are not expected to continue to pay and then gives the contact number for XXXX to seek resolution. Upon calling XXXX they told me that it was not the case as they had said i received my treatment. Meaning that the second set that I had received counted as a full treatment. At my appointment on said date the doctor sent my new scans as my previous ones were not fitting. That email was sent to them along with everything else they need to come to the resolution that my treatment had not started.
Product: Checking or savings account

On XX/XX/2021 I received an email offering me a job offer as a customer service representative at a company called XXXX XXXX. They told me to connect with individual by the name of XXXX XXXX on XXXX and that he would be my hiring manager. At first I was suspicious but because I was looking for a job and decided to go ahead with it. XXXX told me the company would send me checks to buy equipment for the customer service representative role. he first sent me a check of {$4300.00} that I cashed on XX/XX/2021 however the check bounced and my bank alerted me. At the same time I also cashed another check of {$3400.00} from another job I received from a company called XXXX, the check was cashed on XX/XX/2021 and it also bounced. The hiring manager at XXXX was called XXXX XXXX and after I reached out to him about the bounced check he ghosted me, this raised my suspicion that the XXXX job was simply a scam. However, I was hoping that my other job offer at XXXX XXXX was not fraudulent so I reached out to XXXX XXXX about the bounced check of {$4300.00} and he told me it was a problem with the accounting office which I believed at the time. He sent me another check of {$1000.00} which I cashed on XX/XX/2021 and it ended up going through and then he told me to sent it to him, which I did. He said the money would go towards the equipment and that he needed me to cash another check. At this point I had a high suspicion I was being scammed, but because the {$1000.00} check went through it gave me doubt about whether this was a scam or not. So then he sent me two checks which he reassured me would go through and were not fraudulent, I had doubts but because the {$1000.00} check went through I believed him. so on XX/XX/2021 I cashed a check of {$4800.00}, the check was deposited into my account and sent him the money believing it was a real job, but then my bank which is bank of america told me the check bounced and that they were going to place a balance on my account. I was furious at XXXX XXXX, but he told me it was another accounting issue and that he would send me another check to correct the balance. so on XX/XX/2021 I cashed another check of {$3600.00}, however after telling XXXX XXXX this, he ghosted me and vanished. And so at that point I realized I had been scammed twice which is embarrassing to admit, so the next day I called my bank to let them know that I was scammed and that the checks were probably fraudulent as well. however, despite bank of america acknowledging that it was not my fault and that I was a victim of fraud, they still decided to close by bank account. So therefore, I am now filing a complaint because I believe I was unfairly treated and I would like my record to clean from these issues. I have all the receipts and the evidence to prove my claim, I have attached them to this complaint. 

sincerely, XXXX XXXX
Product: Prepaid card

On XX/XX/year>, at XXXX XXXX, I purchased a {$100.00} Visa Gift Card from Target located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for {$100.00}, including the activation fee. Approximately 20 minutes later, upon exiting the store, I opened the gift card to use it and noticed that the security code was missing.

I promptly returned to the store and spoke with the manager, who attempted to scan the activation code and process a refund. Unfortunately, the system did not allow a refund since the barcode had already been scanned to activate the card. As compensation for the inconvenience, the manager provided me with a {$10.00} Target gift card and advised me to contact the customer service number listed on the card and dispute the issue with Target XXXX XXXX. 

Actions Taken Contact with Visa Card ServicXXXX ( XXXX  ) : On XX/XX/year>, at XXXX XXXX, I contacted XXXX XXXX XXXX XXXX at XXXX. They instructed me to submit documentation and photo evidence via email to XXXX. 
I complied the same day, including a detailed explanation of the situation and case number XXXX. 
XXXX Payments Response : On XX/XX/year>, XXXX Payments informed me that I would receive a replacement card within XXXX business days. 

Follow-ups : XX/XX/year> : I contacted Target Disputes to formally dispute the charge. They initiated an investigation. 
XX/XX/year> : I followed up via email with XXXX Payments regarding the status of the replacement card but received no response. 
XX/XX/year> : I followed up again with XXXX Payments regarding the replacement card, but I still received no clear updates. 
Targets Investigation Outcome : Target concluded its investigation and declined to issue a refund, citing that it was a third-party product. This decision was made despite my explanation that the gift card was defective. 

Ongoing issues I have repeatedly called XXXX XXXX XXXX XXXX ( XXXX ) and spoken to various representatives. However, I have faced the following challenges : Inconsistent Information : Representatives have provided conflicting updates on the status of my replacement card. 

Lack of Transparency : I have been unable to obtain clear, actionable information about the resolution timeline. 

Unprofessional Support : No knowledgeable or dedicated individual has managed and resolved my case. 

During my last conversation, a representative named XXXX XXXX stated that I should expect the replacement card by XX/XX/year>. Another representative, XXXX, advised me to wait until XXXX XXXX XXXX. Constantly pushing out the forecast on when I should receive my replacement card in addition to them saying its issues with the XXXX XXXX XXXX XXXX  why I haven't received it. 

I recently checked the status of my XXXX case, and it incorrectly states that the issue has been resolved. However, I have yet to receive my replacement card, despite being told it would be mailed to my address between XXXX XXXX XXXX 

This lack of clarity and constant delays is unacceptable. I am escalating this matter to demand immediate action and resolution.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered that my personal information is incorrect, leading to the appearance of this unknown account that I do not recognize. This mix-up has resulted in inaccurate and unauthorized items being reported under my name, which is deeply concerning. I want to be clear that this complaint is not a mistake. I have repeatedly come across accounts and transactions that I have no affiliation with, and this situation is causing me significant stress and frustration. This fraudulent and unknown account has already been deleted by both XXXX and XXXX, continued reporting of this erroneous information on my credit report is a blatant violation of my rights as a consumer.
Product: Consumer Loan

Consumer attempted to finance a vehicle through a dealership that faxed the application to American Credit Acceptance finance company XXXX XXXX 2015. American Credit Acceptance finance company sent back a denial letter ( consumer has copies consumer is attaching to South Carolina 's Attorney General 's complaint form ) dated XXXX XXXX 2015 stating that consumer was NOT eligible to receive financing from American Credit Acceptance, LLC., due to consumer 's negative credit rating. Consumer received a Notice Of Right to Cure letter ( dated XXXX XXXX 2015 ) from American Credit Acceptance stating that consumer has until XXXX XXXX, 2015 to send payment of {$1100.00} on an account consumer was denied ( in writing ) and does not owe. Consumer was sent the fraudulent demand letter by US Mail ( certified return receipt ) which constitutes 'mail fraud ' and is indicative of 'extortion ' under South Carolina 's Code of Laws ( Section XXXX ) and Attorney General XXXX XXXX XXXX Office who has requested a formal complaint be filed by consumer along with evidence accompanying the complaint form as these types of fraudulent practices harms the general public. In an administrative process to begin a formal lawsuit against American Credit Acceptance finance company, consumer is documenting this complaint to attach to the complaint consumer is filing with the South Carolina Attorney General 's Office. Consumer will NOT pay American Credit Acceptance anything as consumer will not engage in extortion on ANY level. Consumer wishes to thank CFPB for providing this venue of mediation and documentation as it is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have disputed this account and they still have not been reviewed or investigated correctly, nor have they been updated to correctly show they are in dispute. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you.

1. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of this account as its is not reporting consistently across bureaus and are showing different information on each bureau. 

This is was last disputed on XX/XX/23 & it is not currently showing a last verified date. It is showing not in dispute. It is also reporting inaccurate late payment across bureaus as they are all showing different information for late payments. This is inaccurate reporting across the board. On XXXX, there is no payment history reported. On XXXX it is showing 4 90 day late payments, and Experian is showing 9 90 day late payments. This is INACCURATE REPORTING! Please remove account as it has been disputed without resolution.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to change my phone number online and couldn't. They started calling my daughter for personal and confidential information about me. I never gave them her number, idk how they got it, I never gave them permission to call anyone but me. I want them stopped from this predatory practice.
Product: Money transfer, virtual currency, or money service

I had {$2300.00} something showing as my balance someone deposited {$510.00} into my account instead of it increasing by that amount it decreased. This is with Cash App they have no phone support at all they say I should msg them on the app i sent them many messages only got a few responses basically telling me to download my statement at cash.app i did so and will attach it below according to them they stole money from me i told them to add it up themselves they don't respond to that at all nor do they respond that it doesn't match exactly the history in the app itself
Product: Credit card

Today XX/XX/XXXX I capital one XXXX  after 6 statements and 6 months of 100 % on time payments and was denied.i 'm also very fed up with every time I make a payment it doesn't go directly to my available credit like it does everyone I know therefore causing my phone to get cut off.im XXXX and struggling but I never miss a payment and in XXXX I made XXXX {$60.00} payments so I don't understand why I was turned down.i want {$1000.00} just as everyone gets after 6 months and it's foreigners always dealing with me when I want an American that understands our system... I also have a quick silver card and I made a payment to my Dr on XX/XX/XXXX, XXXX days ago and if my Dr doesn't get his payment we are suing
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, XXXX account number : XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has held some inacurate inforation on my credit report and wil not remove or delete : XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXXXXXX Unverified Account-NOT MINE XXXX XXXX  XXXX Unverified AccountI NOT MINE XXXX XXXX XXXX XXXX Unverified AccountI NOT MINE XXXX XXXXXXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXX Unverified Account- NOT MINE XXXX XXXX XXXXXXXX XXXX Unverified Account- NOT XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account- NOT MINE Unverified Account Inquiries XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX XXXX XXXX XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX  XXXX XXXX/XX/XX/18 Not Mine. 
Inquiries XXXX/XX/XX/18 Not Mine. 

THE FROLLOWING ADDRESSES : Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX, XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address does not belong to me.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to the debt collector, requesting validation of said debt, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. After waiting for more than 30 days without any response, I sent a second letter on XX/XX/XXXX to inform them that by not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
I was really hoping to hear back from them after that but after blatantly infringing upon my rights by refusing to respond with my second attempt to clear the matter I reached out to a credit bureau to file a dispute. 
All in all, its been well over 90 days since my initial request to validate the debt and this item has still not been removed from my credit report despite several attempts to validate the debt to no avail.
Product: Checking or savings account

I am deeply disappointed and frustrated with what has happened. I have been a loyal Bank of America customer for over six years, always abiding by the rules and maintaining a good banking relationship. However, I recently became a victim of a scam, which has now resulted in my account being closed and reported as a bad account. 

A person claiming to represent a legitimate organization in New York approached me with a fraudulent payroll advance because currently I just graduate from XXXXXXXX XXXX XXXX XXXXXXXX XXXX and seek for full-time job in XXXX. Without knowing it was a scam, I attempted to deposit what I believed to be a legitimate payment. The transaction was unsuccessful, and instead of being treated as a victim, my account was closed, and I was reported to XXXX. This decision has severely impacted my ability to access basic banking services, which are essential to my life as a full-time student at XXXXXXXX XXXX  and especially I am seeking for the job. This card is the only one I have for supporting my daily life. 

I understand the need for security and strict policies, but I believe XXXX XXXX XXXX handling of this situation was unfair and disproportionate. I had no malicious intent and was simply deceived by scammers. I am more than willing to provide all relevant evidence to demonstrate that I was a victim of this scheme. 

Bank of America has been an integral part of my financial life, and I would very much like to continue banking with you. I ask for this matter to be reconsidered, as I genuinely need a functioning bank account to manage my daily life and education.
Product: Debt collection

I have a debt collection in the amount of {$5700.00} from pro collection on my credit for an apartment ( XXXX XXXX  ) I have never lived or leased an apartment for. I have been wrongfully accused. I have filed multiple disputes and filed a police report. I have proof that was provided from the leasing office that I never lived there.
Product: Mortgage

I had a financial hardship during Covid and am struggling to recover. Right path servicing posted today ( under miscellaneous ) a trial plan XXXX $ more than my original loan payment and an interest rate 2 1/2 points higher than my original loan. This was never sent to me by mail. The other posted letter says I have not made my trial payments and the agreement is void. I have never seen any agreement before this. I was ask to correct documents. I think Im being set up to fail.
Product: Credit reporting or other personal consumer reports

Nordstroms changed the status on my credit report from discharged in XXXX XXXX XXXX to a charge off which is illegal and it decreased my score by XXXX points.