23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I made an order of 3 items from XXXX and used Afterpay to purchase those items on XX/XX/2023. I canceled those items within a few hours of ordering but only two items got canceled and refunded. The third item got shipped and delivery was refused so it was returned to the warehouse in California. I spoke with a supervisor on XX/XX/2023 from XXXX who confirmed she would have the item sent back to their warehouse and I would be issued a refund as soon as they received the item. The item was received in their warehouse on XX/XX/2023 and one of XXXX 's employees signed for it. I haven't received a refund of the {$230.00} that I am owed as of yet. XXXX says they can not help me because this is something Afterpay has to resolve. I have started several cases with Afterpay and no one has been able to help me with this. It has been over a month, actually almost two months. A representative at XXXX said that once I started a case with Afterpay, when I confirmed the item was being returned, it basically blocked them from doing anything with my account on their end. They said Afterpay has my money and there is nothing XXXX can do to help me. 

My purchase total was : {$460.00} for XXXX items. 

I got refunded for two items : {$200.00} + {$22.00} The third item got returned to the XXXX warehouse but I have been charged for that item. I am still due a refund of {$230.00}! 

I have used many company 's that are for this same purpose and have never had this same issue. This was the first time using Afterpay and I will never use them again.
Product: Credit reporting or other personal consumer reports

Mortgage account is current and all payments have been made within 30 days. 
Account status as ( incorrectly ) reported to all XXXX credit agencies is " delinquent '' and there are 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) which are incorrectly reported as over 30 days late. 
Payments on this account have never been more than 30 days late ( as demonstrated by attachment to this complaint. ) Status of account is reported incorrectly and previous months ' status is also reported incorrectly. I have filed a notice of error with my mortgage company and have initiated a credit dispute with all XXXX credit agencies.
Product: Payday loan, title loan, or personal loan

XXXX practices predatory lending practices and charges Usurious Interest Rates ( 446 % ) in the State of Michigan. 

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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am currently being charged late fees each month although I paid my balance XX/XX/2020. This is negatively affecting my credit. I made my balance off XX/XX/2020 and was charged a late fee. I requested to have the fee waived but was denied. The company has been charging me late fees every month and reporting negatively to my credit report every month. I would like for the fees to be removed and my credit updated. This would be the best consumer focused approach.
Product: Credit card or prepaid card

I made a {$500.00} payment to Comenity Bank for my Mastercard account. Payment was made XXXX and the check cleared XXXX, endorsed by a person with Comenity Bank. My subsequent statement did not reflect the payment and also included a {$41.00} late fee. I submitted a dispute letter including a copy of the cleared and cancelled check from my bank. Last week Comenity responded by saying the check was deposited in a different bank/company without providing any specific details. I remain at a loss of my {$500.00} plus the {$41.00} late fee. I will be submitting yet a second dispute letter to Comenity Bank but I need assistance at this point since they are not being responsive.
Product: Student loan

On XX/XX/2020, I was granted a hardship forbearance from First mark Services/XXXX XXXX student loan payments for a two-month increment. I spoke on the phone with a representative who confirmed I was eligible for a two-month hardship deferment. The representative assisted me and filled out an application through their internal system that was subsequently approved. 
I received letters in the mail confirming that I was approved, which I have attached to this form. The letters are dated XX/XX/2020. I received a call on XX/XX/2020 from XXXX XXXX  XXXX, informing me that my loans were in collections ( I am not 100 % sure of the relationship between XXXX  and First mark, but my understand is that Firstmark administers the loan payments on XXXX  behalf ). XXXX  was not aware of my hardship forbearance and transferred my call to Firstmark services. 
Firstmark services informed me that my hardship forbearance had been incorrectly approved. They informed me a denial letter was sent in the mail on XXXX XX/XX/2020, and I should receive it soon. Firstmark informed me they had not sent any emails, but had attempted to contact me by phone 3 times. Firstmark services informed me that I did nothing incorrect, and that it was an error on their end that resulted in my hardship being approved. I asked if they could honor it, since I have documentation stating I was eligible and granted the hardship forbearance, and they informed me that the decision was made by XXXX XXXX, and they could not approve it. XXXX XXXX logo is on the letter that affirms my complaint hardship forbearance was approved.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote and asked Experian to update my XXXX information as there was inaccurate and outdated information being furnished. I have only been met with opposition. I checked my consumer report on XX/XX/XXXX and the outdated information has not been deleted. The XXXX states that information must be accurate and complete. I am just asking the consumer reporting agency to do their part in making sure my consumer file is complete and accurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT 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. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report!
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of an account that has been incorrectly reported on my credit history. This is the third time I am compelled to contact Equifax to resolve this matter, which I find unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) .The account in question, reported by Equifax , contains incorrect information that negatively impacts my credit score. Below are the discrepancies identified : 1 ; Inaccuracy of Information : The account reports an outstanding balance that does not reflect reality.

2 ; Lack of Authorization for Publication : I have never explicitly authorized Equifax to publish this account on my credit report. This action is not only inappropriate but also illegal under FCRA regulations.

3 ; Continued Damage : The incorrect information has resulted in credit denials and has severely affected my financial situation. Despite previous attempts to correct it, the erroneous information remains on my report XXXX XXXX : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are showing XXXX XXXX as 90 days delinquent in XX/XX/2020 and that is not correct. I was under the Forbearance program due to the Care 's Act. 

I have attached proof
Product: Credit reporting or other personal consumer reports

Per code XXXX XXXX XXXX consumer reporting agency shall block the reporting of any information in the file on a consumer that the consumer identifies as information that resulted in an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Per accounts should not be furnished on my consumer report as they are a VIOLATION!!!! PER, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the existing circumstances and no other : ( XXXX ) 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 all accounts listed IMMEDIATELY! 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

XXXX XXXX XXXX and XXXX CFR XXXX - Family Educational and Privacy Act of 1974 XXXX XXXX XXXX - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of XXXX When signed you stated you would not provide my information to anyone.
Product: Mortgage

I have been in a refinance for almost ix months with numerous issues to which I am on closing date number three still with no resolve. I started the refinance in XXXX and I do not seem to be any closer to finishing. This entire process has been dismally handled. Communication has been dismal as well. I have emailed, called, and escalated the issue receiving poor communication or no response to include the processor and supervisor. Each time I ask for someone higher I get nowhere or get transferred to escalation again still with no response. Every time I talk to someone I keep being told to talk to my processor or go back to the escalation department in which again I am quite frankly overdoing considering no matter what nothing is being handled by anyone. If this is how you handle business I do not have a problem taking my business and money elsewhere.
Product: Debt collection

I have no knowledge of the account placed in collections in my name. According to the FCRA, I have the right to a fair and accurate credit report. The account in question, CENTRAL PORTFOLIO CONTROL, Acct # : XXXX. 

I WOULD LIKE THIS ACCOUNT REMOVED FROM MY CREDIT REPORT as soon as possible as it is false, as well as a violation of HIPAA, part nd section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 US Code1320d-2 note ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Transunion, I XXXX XXXX born XX/XX/1990 give Transunion credit bureau authorization to look into the fraudulent XXXX account that is reporting on my transunion credit report
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX and XXXX XXXX.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX took payments from my checking account {$450.00} each of these months. Once I found out that a fraudulent furniture account was established in IL, I contacted the company and was told to file a police report and send them a copy. The police report was filed XX/XX/XXXX with the XXXX XXXXXXXX XXXX XXXXXXXX. I emailed a copy of the report to the creditor. I found out in XX/XX/XXXX that XXXX XXXX XXXX has been selling this account to collection agencies as a valid debt and I have disputed these accounts. Complete Credit Solutions {$9000.00} from XXXX XXXX XXXX. The other disputed account is XXXX XXXX XXXX XXXX which was opened XX/XX/XXXX and is listed as a lease. 

On XX/XX/XXXX, I received an email from XXXX XXXX, Complete Credit Solutions , IncXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, PH XXXX FX XXXX. I was sent a fraud packet and advised that I would also need to report this incident to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

shows im decessed and im not
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous AddresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXXXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Reprise Financial sent me a solicitation letter-I provided all of my information including id, bank routing and account number and payoff for my vehicle. Over the course of several weeks, I heard different stories from different representatives ( they don't seem to know what is going on ) and finally started to get answers on XXXX was given information about the application process that I had not heard until a few days ago and advised the agent that if I had known the information needed I would have been glad to handle it. Instead, I received no call back and had to call and speak to supervisors who were not able to assist me after wasting several weeks of my time. They now have a majority of my personal information which they claim will be deleted and offered no viable solutions to the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : The 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 and XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Money transfers

In XX/XX/XXXX, I sent money from XXXX to XXXX via Western Union, while I could n't receive the money. They offered me quite a lot of solutions, which were totally useless actually. They also asked me to provide my personal information, such as my passport, my driver 's license and the address. They promised me that I would receive a refund check with Fedex tracking number, which never happened. The last email I received from them was on XX/XX/XXXX, which asked me to wait with patience and I have been waiting for a whole semester. Today after I finished my final exam and tracked this transfer on their website. I was shocked by the word " We could not find any records that match the information you provided. Please try again. '' It is my first year that I came to XXXX from XXXX. I have not idea if it is kind of fraud. 
BTW just in case there is confusion, this transfer was sent from the online bank of my account in XXXX to myself in XXXX.
Product: Checking or savings account

My Name is XXXX XXXX I have been banking with Wells Fargo Bank XXXX California Since XXXX, l have both personal, saving and Business Account with this Bank ; On the XX/XX/XXXX at about XXXX I was at wells Fargo Bank XXXX XXXX XXXX XXXX XXXX CA XXXX at the bank ATM machine inside XXXX store right beside Wells Fargo Bank XXXX I deposited {$120.00}, {$20.00} dollar bills with my Business debit card ending in XXXX and the ATM Machine Hocked my money and the ATM machine Malfunction and could not deposit nor return my money. 
I call one of the Banker I was speaking to earlier XXXX XXXX XXXX ID : XXXX to come and help and she followed me to the ATM and saw it jammed and malfunctioned, when i told her I need them to open the ATM machine so that I can get my money back because I needed to pay an urgent bill, she told me they can not do that in the bank but I should call a number at the back of my card and complain. 

i called the number and I was given a claim number XXXX and was told it will be investigated within 10 business days and they will get back to me I complained XX/XX/XXXX right in the bank on a chair for customers of the bank. and left I called the bank after 10 days when nobody called me and I was told that the matter has been finalized and the result says the money was returned to the customer and there was no deposit. 

I went to the bank XX/XX/XXXX Met one XXXX at XXXX she told me she is aware of the matter but XXXX was not on duty that day, took the claim number again and said the matter will be escalated because they saw what happened. I went back to the bank XX/XX/XXXX to let them know that wells Fargo customer service agent told me that the money has been given to a supposed customer but not me because the ATM machine stopped working and the banker asked me to call a number and after that call I left the bank premises when i was told I will be contacted within 10 business days and no money was returned to me. 
I met banker XXXX XXXX Personal Banker XXXX XXXX ID XXXX on XX/XX/XXXX XXXX who contacted customer service and was told that they have the video footage of the customer who received the money after the machine was opened by the machine technician, Banker XXXX asked if they could produce the video footage, customer service agent said they can not unless through the police. 

I went to the Police station in XXXX XXXX California to report this injustice and was given A police report Number XXXX XXXX. XX/XX/XXXX .DEP NAME XXXX. 

The bank sent me Letter saying there was XXXX deposit on that day which contradict customer service which says the customer was given the money and there was a video footage. 

Please see police report number and well Fargo Bank letter sent to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. tracking number for USPS is XXXX XXXX XXXX. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXXXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX )
Product: Debt collection

My complaint is that this company called my relatives phone. I don't even speak to this relative any longer. What an awful company. They will get their money when I get my money. They have to wait until XX/XX/XXXX or they can take me to court for it but if they continue to harass my family I will take them to court.
Product: Credit card or prepaid card

In early XXXX I signed up for a credit card promo where if I spent XXXX dollars on a credit card I would receive XXXX bonus points. I met those qualifications about 5 months ago and after numerous communications with American Express I have still not received my points.