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

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX on XXXX XXXX, XXXX ( I DO NOT HAVE ACCESS TO THE ACCOUNT NUMBER ) and a COLLECTION ACC OPENED WITH XXXX XXXX REPORTED ON XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit card

XXXX Purchased XXXX XXXX at IKEA and paid for their brand sponsored delivery service. 

After items were received, and we attempted to assemble, there was damage to internal contents as well as missing parts. 

XXXX All items returned to IKEA at the store a credit of {$610.00} was received. I opened case XXXX XXXXXXXX for the remaining {$41.00} to be refunded which was the delivery fee. It was not equitable to make a consumer pay for delivery of product that was damaged / missing product. 

XX/XX/year> IKEA Customer Service issued a credit in the amount of {$41.00} to the card Comenity Bank aka Bread Financial has ZERO willingness to properly credit the account for this return. 

The purchase was done on a 6-month promotional plan. That plan expires XX/XX/year>. 

The account has other balances that are finance charge bearing. I understand that. However, it is absolutely inexcusable that a purchase, on a promotional 0 % interest be returned IN ITS ENTIRETY and the credit issued for RETURNING those items are applied to ANOTHER BALANCE in the account. 

It will ABSOLUTELY be financially HARMFUL to me by this company refusing to properly credit the account. This company is TAKING ADVANTAGE of the consumer in a fiscally harmful manner. 

Refusing to properly credit a return, will then FORCE the promotional balance to expire and INTEREST TO ACCRUE ON MERCHANDISE THAT IS NO LONGER IN CONSUMER POSSESSION!!!! 

I have been trying to explain this problem via message service on customer card portal. I have not received any assistance. I was told to write a letter of complaint to Comenity Bank, and I doing that through the CFPB as I firmly believe a U.S. Government agency needs to be made aware this bank is not fairly treating its customers, and in fact costing customers money they should not be paying.

I am attaching the return receipt for {$610.00} from from return in store. I do not have a receipt for the {$41.00} credit as that was done by IKEA corporate customer care. This amount does show on my statement as a " CREDIT '' so it is clearly not a payment. I am also including my XXXX XXXXXX/XX/year> statement to show the two combined CREDITS are applied to an interest bearing balance THAT IS NOT RELATED TO THIS RETURN!!! 

Simply put, if an item is returned THAT corresponding purchase on a consumer card should be credited. I have sincerely NEVER had this sort of crediting issue with any other merchant nor proprietary card carrier.
Product: Checking or savings account

On XX/XX/year>, I made a {$500.00} deposit via XXXX for the purchase of a kitten from XXXX XXXX, who was identified by the phone number XXXX. The funds were transferred as per the terms of our agreement. However, within 72 hours of receiving the kitten, I discovered several significant health issues, including an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I immediately took the kitten to XXXX XXXX XXXX XXXX, where a formal health report confirmed these issues. 

On XX/XX/year>, I sent XXXX XXXX the XXXX report and requested a refund of the {$500.00} deposit, in accordance with the contract terms, as the kitten was not in acceptable health. Despite providing the required evidence, the seller refused to honor the agreement and declined the refund. On XX/XX/year>, XXXX dismissed my request, claiming that I had been scammed and stating I could keep the kitten. The seller 's refusal to issue the refund constitutes deceptive business practices and breach of contract. 

I have made several attempts to resolve the issue, including communicating via email and text. On XX/XX/year>, I returned the kitten and obtained a signed affidavit confirming the agreement for a {$500.00} refund. Despite this, the seller has not issued the refund. 

I am requesting that Bank of America reverse the {$500.00} XXXX transfer under the protection of Regulation E, as this transaction was unauthorized due to the sellers refusal to adhere to the agreed-upon terms.
Product: Credit card

After realizing I was being charged exorbitant interest amounts that were in excess of what I expected, I took out a loan from my 401K to pay this account off. I made a payment at XXXX XXXX Synchrony Bank of {$3200.00} ( my remaining balance ) on XX/XX/2024.

On XX/XX/2024, I received a voice mail telling me that my new balance was {$3200.00} + {$30.00} returned check charge. They have also reduced my credit limit, so it appears as though I am over the limit. After viewing my account online, attempting to chat online ( with responses that made no sense to my inquiry ), then calling to speak with a representative. They make it as difficult as possible to talk to a live person as they can. I finally got through to a female who I could barely hear. I asked for the details surrounding the returned check charge and why the payment did not go through - she told me my account had insufficient funds. There was ( and is ) ample money to pay this balance in my account. So I asked where on the website can I go to view the details of the transaction to determine if I entered something incorrectly - she said on the statement. I told her it is not there and she transferred me to XXXX in tech. His tone of voice was short & rude from him introducing himself. I asked where on the website can I view the details of the transaction, and he told me that I can't. I said I want to view the payment methods like I can on XXXX. He said that I can't do that on the website. That the site is a banking site. He continually chided my tone ( upset ), and told me that each time I spoke it was my last opportunity. I asked him again for the details of the transaction and he said that the account # was wrong ( new story ). I told him his site was sh! t, and he scolded me again for cursing at him. He then pronounced my name very wrong and would not correct himself or apologize. 
If there was an issue with my account information that was entered, I should have received a communication allowing me to correct these details prior to being charged a return check charge. 
This company is a predatory lender who engages in unfair and deceptive practices and should be fined, censured, and held accountable. Their public facing staff should be better trained, and there should be transparent details on how to contact the lender, how to file a complaint with the company, and how to quickly and easily speak to a stateside representative who can actually answer valid questions. 
I have used CareCredit for 2 years, 1 month, and 29 days. I have paid 30 % + interest on total balances instead of the balance remaining after paying during the deferral period. I can not locate on the website the total amount in dollars I have paid in interest over those two years because the statements only go back one year. I imagine they want to hide this information from consumers. 
Why is CareCredit still allowed to take advantage of Americans in need, without transparency and full details?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my consumer rights. I have tried to dispute the erroneous information on my credit report numerous times the most recent being XXXX of XXXX A proper reinvestigation was not done pursuant to 15 USC 1681. The accounts were indeed verified by Equifax and remained on my report even though it is against the law for it to be there, especially without my consent. Since the information could not be verified pursuant to the FCRA it has to be removed. Equifax has failed to do that. I called Equifax on XX/XX/XXXX to have the accounts removed and was told by XXXX that I would be able to have to accounts removed. She gave me a confirmation number and told me my account would be updated in 30 days. I got an alert on my credit file that Equifax had not removed the accounts but started another dispute, which I specifically said I did not want. XXXX did not tell the truth nor do her job which is to remove all the accounts that she said would be removed that I have disputed as being erroneous. This has greatly affected my ability to have any credit extended to me because my score is so low due to this being improperly reported and subsequently improperly reinvestigated. Equifax needs to do their lawful duty and correct my report.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record.

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX 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 FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$670.00} XXXX  XXXX Balance : {$740.00} 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 FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} 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 or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter via USPS on XX/XX/XXXXXXXX  from NES of Ohio. NES of Ohio is a debt collector. Prior to receiving this letter from NES of Ohio, I had no knowledge of the debt they claim I owe. NES of Ohio claims this debt is from my bank, XXXXXXXX XXXX, dated as of XX/XX/XXXX. NES of Ohio claims I and my son XXXX XXXX owe XXXXXXXX XXXX XXXXXXXX. In XXXX and XXXX of XXXX, I was a victim of identity theft. The person who stole my identity, including my bank data, did so by claiming he could help me manage my money while earning money to pay off debts. He deposited approximately six checks in equal amounts of - I think- {$500.00}. He immediately had me he had me XXXX money to 5 or 6 his partners. He told me I would make money by doing so. The very next morning, I checked my XXXX checking account only to find I was extremely overdrawn in the thousands of dollars. When I saw this, I first called my bank and went to speak with XXXX at my local XXXX in XXXX XXXX, IL. I also notified the XXXX Police Department of the identity theft and filed a report with them. Additionally, I filed notice with the FTC- all on that day. XXXX told me I might have to pay all the debt to my XXXX bank, but he was not sure. That day, he notified me that my account had been closed and Id only have to pay approximately {$1000.00} to XXXX. I made payments using the new account XXXX set up for me ; I never missed a payment and the debt to XXXX was paid in full. I mentioned that NES of Ohio included my son XXXX as also owing the same debt. This is odd because I believe XXXX was not listed on my account during that time period. He held and still hold a checking account with XXXXXXXX XXXX. 

I do not recognize this debt from XXXX because I already paid off the money that XXXX determined I needed to pay back. Prior to receiving this letter from NES, I was never contacted by XXXX or any other debt collectors regarding this debt.

I am unsure of what to do. It is as if this debt materialized out of thin air. I do not recognize this debt as being mine, and neither does my son recognize it as being his, especially because he banks with XXXX. 

If you could please assist me with instructions on how to deal with this unrecognized debt that NES of XXXX claims I owe to XXXX XXXX, I would appreciate it very much. I honestly do not recognize this debt as being mine or my sons. 

Thank you very much for offering to help people like me. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX mail to : XXXX XXXX
Product: Payday loan, title loan, or personal loan

This LENDING POINT loan was paid off on XX/XX/2020. That is the date my payoff check cleared my bank. I am due an over payment refund of {$600.00}. I have made more than 5 telephone contacts and multiple email contacts with the promise the payment will be processed with NO RESULTS. On XX/XX/2020 I contacted customer service representative XXXX XXXX and was informed there was no record of payment and she would check with management who in turn was going to work with the accounting department and someone would contact me. A supervisor called me and left a message stating everything was worked out and to please call back at the number he left to let them know if they should mail a check or wire the money back into my account. I called the number repeatedly for 3 days and all I got was a fast busy signal. I then emailed XXXX XXXX and explained I had received a message from a supervisor who left a worthless phone number. I again asked when my money was going to be refunded. Again, I called customer service yesterday and was transferred to a supervisor who stated they were working on it. I was paying over 70 % interest on this loan. Am I being paid interest on my money which they are still holding? During one conversation with a customer service representative last Wednesday I was asked to provide my bank account and routing number so they could do an electronic deposit. I provided that information. Today is XX/XX/2020 and still no money in spite of my conversation yesterday with yet another supervisor who told me it would be taken care of. MORE LIES FROM LENDING POINT. THESE PEOPLE ARE LYING THIEVES. Where is my money. By God, when the mail was one day late when making payments I would get bombed with emails, text messages, and phone calls asking where the payment was. Now the shoe is on the other foot, and they couldn't care less about paying me my money.
Product: Credit reporting or other personal consumer reports

I have been a cardholder for 20 years, perfect payment history. I pay all my bills on time and had excellent credit. I was 2DAYS late XX/XX/year> and they reported me to credit agencies. This is completely unfair, as most companies give 10 days grace. Being as that Ive been a very good account holder and have excellent payment history I feel this was completely unfair and negligent in taking care of their good paying customer. Should I really be punished by dropping my score XXXX XXXX for 2 day late payment in the middle of the holidays. They have given me ZERO grace and its disgusting. I have called and spoken to over 10 people and opened 2 separate cases with Target. I dont know what to do anymore. This is a negligent and terrible treatment of a customer who pays this bill along with all other bills in a timely fashion. They refuse to reverse this - I wAS 2 DAYS late! Look at my credit and payment history on every account, I dont exactly have a record of bad payment. You are ruining my credit and its horrifying that I cant get it charnged aster almost a year of calling and dealing with this. PLEASE REVERSE this and give me the respect and kindness I deserve. Thank you. XXXX
Product: Credit card or prepaid card

I had a hard inquiry i never applied for. I would like to remove the hard inquiry on my report with Comenitybank.
Product: Student loan

In XX/XX/XXXX XXXX XXXX illegally defaulted my loans despite my submitting a request for a deferment. While I only borrowed approximately {$75000.00} I now owe over {$160000.00} due to default fees and penalties. This is loan shark practices. Furthermore, my income tax of over {$6000.00} from tax year XX/XX/XXXX was taken and NEVER applied to my balance. I have made numerous complaints since XX/XX/XXXX to  present to XXXX XXXX, US Department of Education, and Congress. This is loan shark practice and simply impossible to pay. I NEED HELP
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX  XXXX Account XXXX Date of Charge XXXX Amount : {$0.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My Medical information was hacked earlier this year and the company that was hacked recommended that we put a Fraud Alert on our three credit reports. We have frozen are report and placed a fraud alert on all three places. I asked one of the credit report services to send me a current report so I could check for any problems. The one I received showed a Negative Account Activity for an internet supplier. It was past due for the amount of {$200.00}, since XXXXXXXX XXXX. The report also shows a new address that's located in XXXX and I live in XXXX  I have no connections to anyone at that address.The internet company sent me a ID Theft Information Form to fill out and send back to verify who I am. They wanted a police report or contact you at your web site. I believe the that someone used my name to set up an internet account. I've never received any communications from the collection service either.
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with XXXX XXXX XXXX  I do not have a contact with XXXX They didn't provide me with the original contract as I requested
Product: Money transfer, virtual currency, or money service

File your complaint on CFPB.Gov Copy and paste this in your complaint against Cash App ( Block , Inc ) I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations