23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please reference complaint numbers XXXX and XXXX from XX/XX/2020. 

As of XX/XX/2020, per my local court clerks, this file has not been withdrawn and no " hardship hold '' has been placed on my account. This company stated to CFPB on XX/XX/2020 that a 60-day " hardship hold '' was placed upon my account. There is no hold, they are pursuing legal action, during a national emergency. Scott and Associates have lied to the CFPB, a government agency, and should be held liable. XXXX XXXX XXXX, ( who has not yet even responded to the XX/XX/2020 complaint ), should also be held liable for the actions of their representative party. 

If the CFPB desires me to furnish the recorded telephone call where the Scott and Associates agent says to me that I do not have to respond to the summons of the lawsuit, I will gladly do so. It has already been given to the Attorney General of Texas and the State Bar of Texas. 

I will also begin to visit XXXX XXXXXXXX XXXX social media pages and demand to know why they would decide to file a lawsuit against a person who has continually attempted to get on a hardship payment plan, especially during a national emergency. I will also demand to know why, ( as Scott and Associates stated in the attached letter response ), they would NOT take the file back into their possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill from Old navy/ Synchrony Bank that was due on XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the  lack of work I was behind a few days so I made a payment on XX/XX/XXXX in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I called the company to explain why this had happened especially since I had a XXXX balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.
Product: Credit card or prepaid card

Chase Card Services seems to be exhibiting a pattern of FCRA violations and this is just the latest example ( see prior incident filed XX/XX/XXXX ). 

We ordered a replacement dishwasher part from XXXX in XX/XX/XXXX. The ETA was XXXX XXXX. At the end of XXXX, I received communication that the part was going to take up to another two months to ship. I emailed XXXX requesting cancellation of the item due to the long wait. I then immediately secured the part from XXXX. XXXX replied that they could not find my order. I provided them with all of my information and noted this should be enough information to look up my order and cancel it. XXXX never responded after this. 

Out of the blue, in XXXX we received a package from XXXX with the part. We contacted XXXX requesting they pickup the part at their expense since we informed them to cancel it months prior. XXXX also did not respond to this email. We then called their XXXX and experienced a substantial wait time so we hung up. 

Having no other choice, we disputed the item with Chase XXXX XXXX XXXX XXXX XXXX We kept the item and were prepared to provide it to XXXX when they came to pick it up. 

Having had a Chase account for a few years, we have noticed that Chase always puts up unnecessary roadblocks when disputing charges, no matter how obvious the dispute is in your favor and no matter what you provide upfront. Even if you include all pertinent information in your written dispute, they still require you to -call- them ( no electronic option is provided ) to re-provide all of the information you already provided to them. Presumably, this is to create friction and cut down on their labor costs in handling disputes. Nonetheless, we always play ball and provide the information requested. Usually, this is the end of our obligation. However, this time Chase mailed us a dispute form in XXXX requesting, for a third time, the same information we already provided to them. Again, we jumped through their hoops and responded by the XXXX deadline indicated. 

Inexplicably, we received a letter from Chase yesterday explaining that the merchant shipped the item to us and showed proof and therefore the charge is valid. 

This is a direct violation of the FCRA. Once we made our attempt to cancel the item, the purchase should be considered canceled and any attempt to continue the purchase is unauthorized. The fact that we then made attempts to allow the merchant to take the item back demonstrates that we clearly did not want this item, and that the obligation is on the merchant, not us, to facilitate the return.
Product: Credit card

I purchased a pair of shoes from XXXX  in XXXX of XXXX. They issued me a return on order number XXXX for {$590.00}. XXXX. The shoes were picked up by XXXX tracking number XXXX and delivered back to XXXX. The pickup confirmation number is a m XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite receiving the shoes back and indicating in an email that I have enclosed that they would credit my Citi card they did not. Therefore, I opened a dispute with Citi card XX/XX/year>. XXXX then said because I had opened a dispute with Citicard they would not issue me the refund despite the fact they had sent me a label and the merchandise was returned. 

CitiCard initially credited back my card for the disputed amount but then within 21 days charged me the {$590.00} again. I talked with the customer service representative in the dispute Department numerous times and they refused to re-credit the disputed amount to my credit card despite giving them information that XXXX had picked up the package and XXXX  had received the merchandise. CitiCard did not re-credit the disputed amount until XX/XX/year>. 

I requested on numerous occasions to talk to someone outside of the dispute department and to escalate my complaint to the president 's office. I wrote a letter to Citi card and included all pertinent documentation and never received a response. Consequently, I closed my credit card after being a customer for 25 years. for 25 years I paid my entire balance off monthly, sometimes in excess of {$15000.00} and only had one other dispute filed in that amount of time.
Product: Credit card

On XX/XX/XXXX when shopping at Macy 's my purchase was charged to the account number XXXX. I have never received a card with this account number, this is not my account. My Macy 's credit account is XXXX, which I pay online, promptly, always. 
On XX/XX/XXXX I began receiving Macy 's Account Statements and phone calls regarding Act # XXXX being past due. I responded by calling the customer service # XXXX to get my original charge applied to my Act # XXXX, have the past due charge removed, and have my name removed from this Act # XXXX that is not mine. I refused to make a phone payment as when I had done so in the past the phone payment was not applied to my Act # XXXX. 
On XXXX, XXXX I received a letter from the Citi Card, for Department Store Nat'l Bank collections recovery. I called and submitted a written explanation of the circumstances regarding Act # XXXX, only to receive another letter from the Citi Card, for Department Store Nat'l Bank collections recovery XX/XX/XXXX and again XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from XXXX regarding Act # XXXX and began a series of call and correspondence with them. On XXXX/XXXX/XXXX I paid the undisputed amount of {$410.00} through XXXX. On XXXX/XXXX/XXXX Macy 's recalled the dispute and I have continue phone and correspondance every 2 - 4 weeks with the response from them always being it will take 15 days, 30 days, or 60 days for them to review the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Loan With Capital One Finance. I pay them before time but they are reporting accurate remains balance and last two months also was not reported to credit Bureau. 
i did sent them letter on XX/XX/2021 but they last reported again with 3 credit bureaus with incorrect balance and missing moths of payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is falsely reporting late payments on an installment account that was under the protection of the Cares ACT. I have letters from XXXX dated XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX I even opened up XXXX complaints regarding the following issue. I had contacted XXXX requesting XXXX relief for an installment loan that I currently have with them. I was offered a loan modification agreement to help ease the burden of the payment during the worldwide hardship we were all experiencing. I was assured that late payments would not be reported negatively nor that late fees would be accessed. I reported to XXXX that I did not live at an address they had on file and that I needed the documents to be mailed to my current address. I was told that the documents would in fact be sent to the address I provided yet I never received them. I stayed in contact with XXXX because the modification agreement never arrived and they were time-sensitive. I made this initial contact with an Executive representative by the name XXXX XXXX He assisted me in opening up XXXX cases regarding the late fees and payments that were on my account at the time. My credit report shows XXXX days late and that is absolutely not true. I wrote to XXXX showing them I had made the payments for the months of XX/XX/XXXX and XX/XX/XXXX. In XXXX they did waiver the late fees and yet did not reverse the late payments. This is false and inaccurate reporting. In all of the correspondence from XXXX that I mention above, they apologize for the confusion and the lack of good customer service. I can provide copies of all the letters and statements to show that I was under the protection of the XXXX relief and that it was XXXX that did not update my address and continues to ignore the proof I have sent them. The sad part is I have been with this financial institution since XXXX. I have never paid late or even given them any kind of issues. We were all impacted by the Pandemic and this is unacceptable. I have always paid for everything on time. I demand that my record be reported correctly and these late payments are deleted. I am prepared to take all necessary steps to correct this situation. It is impacting my life terribly. All calls are recorded. I demand the calls be pulled! I was promised and assured that the late payments would not be reported nor would late fees be accessed. I have a call log of when I called XXXX. I will gladly send the log to the Attorney Generals ' office or anyone office. This is impacting my life horribly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was with XXXX XXXX and sold to Midland credit with an estimated balance of $ XXXX filed for bankruptcy chapter 7 case # XXXX on XX/XX/20. I filed a dispute through XXXX  as Midland credit was still showing on my credit report. The information was initially deleted, but now has reappeared on my credit report as a collection item. Midland Credit has obviously failed to stop the re-polluting of inaccurate information to my credit bureau report with inaccurate information. Under FCRA, Data Furnishers are to report accurate information and if they can't the information is to be deleted. Please either update the reporting to reflect this account was included in bankruptcy, as outlined by the XXXX XXXX XXXX guidance in the Credit Reporting Resource Guide or I will be pursuing legal ramifications for a directly violation of my consumer rights as this is a direction violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX XXXX Consumer Date of Birth XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 Auto Loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

LATE PAYMENTS SHOWING 30-60 DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED XXXX XXXX MORTGAGE AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX XXXX  SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.
Product: Checking or savings account

I placed order # XXXX for an XXXX mousseline tunic from XXXX on XX/XX/XXXX in the amount of {$900.00} and paid with my Chase debit card ending in XXXX. I also placed a 2nd order # XXXX for 3 items from XXXX on XX/XX/XXXX in the amount of {$1700.00} and paid with my Chase debit card ending in XXXX. 

I then decided to return the XXXX tunic from order # XXXX as well as one of the items from order # XXXX. I figured that it would be a good idea to save a return label for XXXX and placed both items in one box and shipped it back with the prepaid return shipping label that was included with order # XXXX. 

I received my credit for order # XXXX on XX/XX/XXXX. I was waiting for my credit for order # XXXX and when reaching out to XXXX customer service to question where my refund was, they said that they havent received the item back. My emails were never answered, and I have called numerous times the XXXX customer service line, however, they just told me that I never sent it back. 

I just tried to do a good deed and save a shipping label and therefore shouldnt lose a refund in the amount of {$900.00} due to the return warehouse workers negligence. As a side note, the XXXX tunic in size XXXX was completely sold out after I ordered it and it was on sale so not coming back in stock. A couple of weeks later I saw it available on XXXX. Perhaps it was mine which was just put back into stock
Product: Money transfer, virtual currency, or money service

I had money that was transferred from my account without my consent and I was charged unexpected fees my money never was returned I reached out to customer support and nothing happened every time this been going on for 2 years my cash app get used in other states I never visited
Product: Credit card or prepaid card

I purchased an officer chair in XXXX the company kept saying it will be there in another 2 weeks every two weeks. So to ensure I did not lose the opportunity to file a dispute, before the 60 or 90 days I cant remember what the limit is at this time, I filed a dispute for my money back in XXXX. They have been " resolving this case for 7 months without ever issuing me credit. So I am out {$700.00} even after complying with their requests and send tons of documents. That they will only accept by fax of course to make things more difficult for people. Why they are unable to accept scanned images viz email is beyond aside from the likelihood they just want to make it more difficult to complete disputes. But XXXX has gotten so big they either aren't monitoring these branches run by banks or they just don't care. But whoever is in charge of XXXX  XXXX XXXX XXXX  of America credit card disputes needs to get your department under control. So meanwhile I have been out {$700.00} for 9 months with the same script statement every time I call. We are waiting for their side to do the research. How does that make sense, I bought a product I don't have a product, the tracking number I gave you showed the item wasn't delivered to me. What is the hold up in issuing my money back to me! How do you not need to reimburse me for the time value of my money being gone for this long! This is so unfair and I am sure that they will not receive any type of punishment for allowing this company to steal my money. If you check the reviews there are hundreds of other people who never received their merchandise from the retailer either. XXXX are thieves and Bank of America is complicit because they refuse to honor my dispute and return my money.
Product: Credit reporting or other personal consumer reports

I sent in information that this is account was opened without my consent ( fraud ). This is a fraud account. I have tried reaching out to the this company multiple times with police report and FTC and they still have been in ignoring this situation.
Product: Checking or savings account

My checking account and saving account got blocked and placed on the accounts after I deposited a check every time I called the fraud team when they transferred me to the deposit risk team. For the past week, I can't get ahold of anyone for the long wait time, checking account XXXX and saving account XXXX. My account phone number is XXXX. Please unblocks both accounts.
Product: Credit reporting or other personal consumer reports

Experian 's handling of inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, Experian is required to conduct a reasonable investigation when a consumer disputes the accuracy of information. Unfortunately, Experian has failed to adhere to these guidelines in my case.

I submitted a dispute regarding inaccurate information on my credit report, but Experian : Did not conduct a thorough and reasonable investigation of the disputed information. 
Did not properly verify the accuracy of the information with the furnisher or provide sufficient evidence supporting its continued inclusion in my report. 
Failed to remove or correct the inaccurate and unverifiable information within the required 30-day timeframe, as mandated by law.

This lack of compliance has caused harm to my creditworthiness and financial opportunities. I am requesting that Experian immediately delete the disputed inaccurate information from my credit report. If Experian can not verify the information with complete and accurate documentation, the information must be removed in accordance with the FCRA. 

I expect a prompt resolution to this matter. Please confirm the removal of the inaccurate information or provide me with documentation of the investigation process. If Experian continues to fail in meeting its legal obligations, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek further legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by world finance, XXXX XXXX and XXXX  XXXX XXXX, along with the inquiries from XXXX XXXX and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.
Product: Checking or savings account

Hello, I have had my account frozen with Robinhood. I provided the documents and called them and provided additional documents. I've provided documents XXXX times, and they keep requesting the same documents.
Product: Debt collection

Yes I made a purchase in XXXX I believe on my credit card and before I made the order of about ( XXXX Dollars I already had a balance of ( XXXX left but I also made a payment on the XXXX balance the same time I purchased the items for ( XXXX that payment should had been less after I paid that note ) so the main issue is I made payments each month thereafter which my balances all together was ( XXXX. And something after made the last purchase of ( XXXX dollars ) and I been paying on this bill since I made the last order of XXXX dollars plus the remaining XXXX since about XXXX And XXXX of ( the year XXXX and it's now the year XXXX of XX/XX/XXXX ) this company ( kohls and the bank they use has not been applying my payments I pay honestly I pay good ) I have been with kohls department store since Sometimes in ( XXXX and never had a problem till now ) these people 's along with kohls is recharging me the same amount I have already sent payment 's on for months. I always paid them in the right manner and on times also they have been charging me ( XXXX interest fees each month ) never informed me about a interest fee so high or insane criminal illegally doing 's. I I asked them for all my statements and payments too them and I told them they have been laundering my payments and stealing my payments not applying them to my debit and account so they could recharge me all over again. I ask you all to file a aburiration or law sue against kohls and the bank that process my our payment 's each month the bank name they have been using is called Capital One Bank. How can you be a bank and not apply my people 's credit card payments that illegal thief and criminal and definitely fraudulent business practices stone illegal. And then charge the payee of their credit card account 's over from the start but I have payed them each month every month since like I said ( XXXX too this is XXXX XXXX.