23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

On XXXX XXXX, 2016 I made a online purchase at XXXX for a HP Envy XXXX All-In-One Printer. On XXXX XXXX, XXXX XXXX received an electronic transfer from my bank in the amount of {$57.00}. On XXXX XXXX, 2016 I received in the mail the wrong printer. I received a HP Envy 4516. The start up disc that accompanied the Envy 4516 was for a Envy 4510 which according to the download error messages was only compatible with Windows 8. I ordered the the 4520 because the product description on XXXX stated that it was compatible with Windows 10 of which I run on my computers. The packing slip that accompanied the wrong computer identified XXXX as the company placing the order and shipping the item. On XXXX XXXX, 2016 I spoke with XXXX customer service representatives from XXXX. They each said that XXXX was not responsible for the item and I needed to send the item to XXXX who is listed on the XXXX website as the sold by company. On XXXX XXXX, 2016 I spoke with XXXX Manager, XXXX of the Corporate Escalation Division who stated that XXXX was not responsible for the product. According to the XXXX Return Policy : Items purchased at XXXX XXXX be returned to the store or by mail, unless stated otherwise in the list of exceptions below ( there was no list of exceptions stated in this return policy ). Items must be returned in the original manufactured package. Items purchased from a marketplace retailer ( I did not purchase the item from a marketplace retailer ) can not be return to a XXXX store or XXXX ; item must be return back to the marketplace retailer. I had no purchase interaction with XXXX, do n't know if it exists. XXXX took full responsibility as the company processing the order and shipping the order via email contact to me. According to XXXX Terms of Use # XXXX : By purchasing a product by any of our marketplace seller you acknowledge that all orders will be fulfilled by the marketplace retailer and not XXXX. Well my item was not fulfilled by XXXX nor any other marketplace retailer because XXXX did not engage in any purchase transaction transfer with me. XXXX did. Just like XXXX, XXXX and XXXX, are third party sellers in the XXXX stores I have purchased their items in the store and returned to the XXXX store when there was an issue with the item. As a XXXX customer I deserved to be given the same precedent that is used to satisfy their other customers as well. I wish to take the printer back to the nearest XXXX store and receive my refund the same as XXXX was received transfer funds prior to me receiving the printer.
Product: Credit reporting, credit repair services, or other personal consumer reports

DENIED CREDIT DUE TO TRANS UNION, XXXX, AND XXXX  CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN
Product: Credit card or prepaid card

I ordered on XX/XX/2021 a patio door at Home Depot in XXXX California and I paid {$1900.00} Dlls. 

Company has not installed the patio door yet and I have been calling the company several times without success. I went three times to the store and the Manager told me that the patio door was re order. 
I went again to the store because they never call me again and I have been waiting for long time. The other employee XXXX XXXX check the status of my order and told me that in their system shows that never was re order. 
I need my money credit back because I have been paying with interest something that I do not have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is showing that I paid late, twice, but I don't recall ever being late as I have the account on autopay. I've disputed and have asked for proof, with no response. I would like these late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to get this Situation resolved I am still having this reported to my credit report!! On XX/XX/2021 I submitted a complaint with cfpb about the account XXXX XXXX balance XXXX high credit balance XXXX and reported as an repossession, the information on my report is reporting inaccurate in several different ways on my Equifax report!! XXXX XXXX XXXX XXXX both seen the inaccuracies and removed them from my report as Ive disputed this issue with Equifax several times and no response or anything Ive also spoken with a Representative and they also stated they have all my correspondence and none sent back out on their end!!! At this point I am considering an lawsuit against Equifax for failure to comply with FCRA rules and regulations to verify or validate the disputed item on my credit report if the issue isnt resolved immediately i demand validation the original contract that represents the same thing that is being reported to my credit report that was used to verify the account for you all to still have it reported to my credit report!!!!
Product: Checking or savings account

My name is XXXX XXXX I'm currently serving a XXXX XXXX in the XXXX XXXX XXXX XXXXXXXX, My wife has been my POA for years. For whatever reason Navy Federal denies ALL of my POA requests. They denied my wife, my relative and my attorney XXXX XXXX XXXX XXXX. After long battle that I thought ended in XX/XX/XXXX XXXX  its heavily notated that all my requests must be by mail or email. No more illegal phone calls would be made. I had to spend hours on the phone to fix the wrongs for months. I've requested my address to be updated to the same address on my CFPB account and it hasn't been done. New address for all mail is XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX. None of my mail from the XXXX  to XXXX is being processed. I sent emails and now sending a complaint about it. The security word for my account is XXXX. The last four digits of my social security is XXXX. No phone calls should be noted on my account but yet my wife keep receiving calls from Navy Federal. As my fudiciary Navy Federal has failed me. Just because I am in XXXX  doesn't give them the authority to ignore ALL of my written or email requests, Please update my address and please follow ALL instructions I send rather via email or written. PLEASE READ ALL NOTES and listen to ALL recordings. Please stop failing me. 

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 XXXXook at these previous sccounts please XXXX XXXX XXXX MY VOICE IS BEING SILENCED AND NAVY FEDERAL HAS FAILED ME!
Product: Checking or savings account

On XX/XX/XXXX, truist online was down. It showed my balance in the positive, and the next day my account was in the negative, hit with an overdraft fee. 

Truist acknowledged their site was out on the XXXX, and getting in contact with someone takes over an hour and is impossible. 

Now, I'm trying to get in contact with truist because I over paid my Truist credit card by over XXXX $ because you can not see pending payments on their website for the credit card ( you can see everything else, including transactions and posted payments, you manage your card un the same portal/lock it report it stolen etc. You should be able to pending payments. I can not get in COntact with them to cancel it. 

Anyways, this is my second emergency, and I haven't been able to contact truist in over three weeks because it's always a 50 minute wait time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX # XXXX  Account status charge off Date opened XX/XX/XXXX Date closed XX/XX/XXXX. XXXX Past due {$360.00} XXXX XXXXXXXX XXXX # XXXX Account status charge off Date opened XX/XX/XXXX Past due {$480.00} Ohio department of human services Account status collection Date opened XX/XX/XXXX Past due {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Past {$360.00} XXXX XXXXXXXX XXXX  # XXXX Date open XX/XX/XXXX Past due {$480.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$350.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Past due {$1200.00} XXXX XXXX XXXXXXXX XXXX # XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$360.00} XXXX XXXXXXXX XXXX  Account status collection Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$480.00} XXXX Account status collection Date opened XX/XX/XXXX Past due {$0.00} ( FCRA ) 15 U.S.C. 1681 and Following ) Creditors or collectors are not allowed to report an accurate information to your credit reports under the Fair credit reporting act. I would like all 3 agencies to remove these accounts off my report as soon as possible. And would like to receive a full report of the investigation from sub parties in original creditors.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft. Upon review of credit report I have several accounts that were not opened by me. The below accounts were not opened by me nor did I authorize them to be opened. 

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 XXXXXX/XX/XXXX Please remove these tradelines from my credit file. I have reached out to creditors and not able to obtain any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company that pulls my credit Credit Plus, is still reporting the exact same score from XX/XX/2020 to XX/XX/2020 but XXXX  sent a result with 12 accounts deleted dated XX/XX/2020, so that should have changed something pretty drastically. My credit score is important to me. I really need this update.
Product: Credit card

A payment was made using XXXX XXXX XXXX  electronic payment system to your institution on XX/XX/2023 for the entire amount outstanding. Marcus by Goldman Sachs failed to apply the credit at all. Additionally, they have charges fees & interest. They need to immediately credit the payment, remove all interest & Fees, report to all credit bureaus that my payments have all been made on time with a XXXX balance. 

This is the 2nd time they have misapplied a payment to my account. I was assured a year ago this problem would be resolved and never happen again. Obviously, Marcus by Goldman Sachs failed. I believe compensation is required at this time for these repeat offenses.
Product: Debt collection

I received a collection notice from Waypoint Resource Group for an alleged debt owed to XXXX. This is the first I am hearing about this debt. I spoke to comcast customer service around XX/XX/2022 and the agent told me no additional money was due, and I returned the equipment to them. Now over a year later I am getting a collection notice out of the blue. Waypoint is nearly impossible to contact and when I did so, they did not respond. I can not have my credit affected as I am in the process of getting approved to buy a home. So I need this taken care of right away.
Product: Debt collection

This is a second request to Bank of America, N.A. but this time to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to answered my requests ). I've sent 2 letters in regard to Tax Forms I need to file my taxes. 

Note to CFPB : This is not a duplicate request. This is another set of Tax Forms I need.
Product: Credit reporting or other personal consumer reports

3.5 years ago my wallet was stolen and 3 credit cards were used illegally. They are ; Bank of America # XXXX, XXXXXXXX XXXX XXXX # XXXX and XXXX  # XXXX. The two other credit bureaus have expunged those 3 accounts. Only XXXX continues to carry those 3 bad charges. Causing a XXXX point disparity between those 3 credit bureaus. Id like XXXX to also remove those delinquent accounts. It is adversely affecting my XXXX  score and causing me great XXXX  and despair.
Product: Debt collection

I have spoken to over 4 different representatives at this company. Explaining that I was a victim of identity fraud. I had numerous account including this one. I have disputed issue directly with rental company. They then referred me to Southern Management Systems. I explained issue and that I did not owe any balance and Southern Management Systems refused to help me saying I would need to dispute with Credit Agencies. I disputed with all three Credit Agencies XXXX, XXXX, and XXXX all disputes where denied because Southern Management Systems refused to accept my identity theft explanation. It has been over 6 years now and still no positive results after disputing every year. Balance said to be owed as of XX/XX/2019 is XXXX. This balance is inaccurate as it should be removed due to fraudulent account open initially.
Product: Payday loan, title loan, or personal loan

A loan was taken out using my name and my information without my consent. I was never aware that a loan was taken out through speedy cash. I filed fraud with them and they never replied to me contacting them twice and stating that I never acquired a loan with such a lender. I then received a letter in the mail stating that I was past due by {$250.00} and that is all of the information that the letter contained when I contacted them they told me that there was a loan taken out in my name using my information for the amount of {$400.00}. I never signed a contract or note.. The only reason I came to find out about speedy cash was because in the beginning of XX/XX/2018 money was being taken out of my account from speedy cash. so I went ahead and filed fraud with my bank and I obtained a new account number. Then speedy cash began to take money out of my debit card so I had to get a new debit card as well.. when I contacted them and reported all of this activity as fraud they never did anything about it. now they are charging me for a loan that I never took out.. I WENT AHEAD AND FILED A POLICE REPORT AS WELL WITH MY LOCAL POLICE DEPARTMENT.
Product: Checking or savings account

On XX/XX/2024 we terminated the office manager of XXXX XXXX for violation of company policies, fraud, and embezzlement. She had access to confidential and personal info ( bank account numbers, social security numbers, passwords, etc ). We are currently completing our investigation and pressing charges. We suspect she and her finance fraudulently opened this account WITHOUT MY CONSENT. On XX/XX/XXXX, I discovered a pile of unopened mail in the drawer of her desk that I then proceeded to open the mail. I unfortunately discovered the unauthorized BMO account and debit card and called immediately to report the identity theft.
Product: Vehicle loan or lease

My car was recently siezed by the us border patrol ineeded my finance company to recover car for which was possible because it is stated in contract and was told they would not be recovering the car and if I wanted to pay XXXX to pay of loan and that was all they could do I had the car for 4 month with a 20  percent interstate rate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX auto leases with XXXX XXXX. I received a collection notice on or about XX/XX/XXXX from XXXX XXXX XXXX for collection on an account that I was told by XXXX XXXX  closed in XXXX after I leased a new vehicle from XXXX XXXX ( which was turned in a closed in XXXX. The amount was {$13.00}. I paid the amount on that day and then called XXXX XXXX numerous times to find out what the issue was. They could not tell me as the account was not in their system. In XXXX of this year, my wife and I purchased a home and a {$13.00} account was on my credit report. With a representative of the bank that funded our loan, we spoke to XXXX XXXX to clear up the matter and was told that the account was closed and not to concern myself with the amount. I have spoken to various representatives of XXXX XXXX included the executive customer service area of the company. I was told that the matter should of never gone into collection, since I never received an documentation from XXXX XXXX about the the amount and that they would review the issue and directly take care of the matter with the Credit Rating services. I have not had a late payment in 35+ years and protect my credit rating aggressively. Since this issue, my credit score has gone down from XXXX to XXXX with one of the agencies and lower with the others. XXXX 's incompetence in this matter should not affect my credit rating or the costs that are tied to that rating. There low customer review scores are indicative of how they do business and I am sure there are others who have suffered similarly from XXXX XXXX 's business practices. If I knew that I owed Ally {$13.00} in XXXX I would of gladly paid the amount, and since I continued to have a lease relationship with them through XXXX without any notification of the {$13.00} or request for payment, makes this situation more egregious. A company 's poor business practices and management of information should not be allowed to affect new or ongoing customer 's life and ability to live in a credit driven society. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX Dear, XXXX, Equifax, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I gave access to a person. I found out they were stealing. I had my son who is on the account to shut the card off. He went to the bank and told them to shut the card off it was fraudulent. They did not shut the card off. There was XXXX more dollars stolen. I believe I am owed the money plus interest for that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Complainant entered agreement with XXXX XXXX ( XXXX XXXX XXXX ) for 145 channels of TV service and other benefits at {$19.00} per month. When the bill arrived it was {$75.00} per month. Complainant told XXXX XXXX to cancel the agreement as per the terms of the contract at no charge. XXXX XXXX billed up to {$720.00} before the dispute was settled on XX/XX/XXXX, and billing shows Complainant owes nothing. XXXX and Experian show that Complainant owes XXXX XXXX {$520.00} which was incorrect from the beginning. Complainant is trying to buy a residence, but the incorrect reporting has ruined his good credit record. XXXX XXXX acted in violation of Alabama 's statute against false advertising, and its actions severely damaged Complainant. XXXX and Experian also incorrectly show that Complainant owes XXXX XXXX {$480.00} dollars, when the account balance is XXXX. The Complainant 's credit score was further adversely affected based upon incorrect data.
Product: Credit card or prepaid card

My Debit card was stolen on XX/XX/XXXX. The bank was notified about the charges and created a provisional credit for the unauthorized charges and later and reversed them on XX/XX/XXXX. The bank requested that I make a police report in person at XXXX XXXX Police on XX/XX/XXXX. The report was presented to a bank representative at XXXX XXXX XXXX XXXX XXXX XXXX. The entire correspondence package was sent to their Fraud Division with no communication or update. 
The M & T Bank has video of the unauthorized person using the debit card.
Product: Debt collection

Received a letter from Ability Recovery Services LLC. I called and asked about the details of the debt. Spoke to XXXX XXXX, this debt doesn't belong to me but it's someone else. I asked him to mail me the information and told him that this debt is not mine & disputed it right away. He told me he will request the information & it will come as junk mail. That call was on XX/XX/XXXX lasted for 3 minutes & 19 seconds at XXXX Since he asked me to mail the information, I waited for good 10 days but nothing came in. 
I decided to make another follow up call on XX/XX/XXXX at XXXX, call lasted 6 minutes 18 seconds. When I spoke to him, He seemed frustrated and said how come you haven't received it, it was mailed etc. I informed him that this is a follow up call for the documentation, that he is claiming i used medical services. He said, I will request again. I informed him clearly this is not my debt and i am disputing this no negative action should be taken till i receive the documentation. He agreed. 

On XX/XX/XXXX they reported it to my credit. My credit was exceptional. I lost XXXX points because of Ability Recovery services LLC. It takes lot of efforts to keep your credit history clean but companies like this mess up everything. 
This is not legal, I have proof of calls and call records with date and time. Better communication, patience, providing the documentation via email I am not receiving via mail. Don't put it on XXXX or send it like junk mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I 'd like to file a complaint against Equifax and their handling of the hack that occurred the last few months between XX/XX/XXXX - XX/XX/XXXX. Equifax did not immediately contact customers letting them know their personal information is subject to the hack. I find this unethical. Equifax should provide free credit monitoring and provide a free security freeze to victims of the attack. They have n't been transparent about this and I believe the company should get shut down due to their unethical behaviors and handling of the XX/XX/XXXXhack that breached 150+ million " customers. '' I do n't appreciate that a third party company has my social security number, address, phone number, etc. I do n't elect to give them this information. There should be a better way to verify identities when creating credit cards in the US. I hope this hack creates different legislation going forward in the US. I have contacted my Senator in  California and will continue to voice my opinion on the handling of the Equifax hack. The company deserves what it has coming to them.