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

This is the third time I file this complaint in 4 months ( both earlier complaints attached fyi ), and NOTHING has happened ... what is the use of CFPB if you tolerate that the companies whose abuses you claim to protect us from, are free to simply ignore our plights? Does this bureau deserve taxpayer funding??? 
PLEASE HELP ME GET MY {$2000.00} BACK FROM BANK OF AMERICA for interest rates and fees that they charged on my Bank of America XXXX even as they had over {$50000.00} on my checking and savings accounts. For details. refer to my original complaint of XX/XX/XXXX, ref. XXXX Counting on your prompt and forceful investigation. 

Thank you once more.
Product: Student loan

Lender constantly changes the terms of the loan on a nearly monthly basis then applies bulk interest amounts ; unknowingly to myself and without notification.
Product: Checking or savings account

On XX/XX/XXXX, I ordered a queen bed from XXXX XXXX XXXX. I received the bed a couple of days later and assembled it. When my spouse and I slept on the bed, the footboard almost detached from the rest of the bed frame and the footboard was in a slanted position. I dismantled the bed and contacted XXXXXXXX XXXX XXXXXXXX regarding the issue so I can return the bed. 

The headboard has sharp edges and cut my hand anytime I attempt to dress the bed. Here is a description of the bed per the XXXX XXXX XXXX website : Bring sleek, retro style to your room with our Mid-Century Modern Queen-Size Panel bed. Inspired by the clean lines and modern look of mid-century design, this twin bed brings vintage flair to any space. A combination of solid pine wood and durable melamine make this bed a safe and stylish choice for any bedroom. 

What Kids Will Love : Queen-size bed = more space to stretch out! 
Super sturdy design makes it easy to hop into bed Panel headboard gives great support for reading in bed What Parents Will Appreciate : Sleek silhouette with angled legs and a solid pine wood and white melamine finish creates modern, mid-century style Solid pine wood slats and metal support bars create a high XXXX lb. resting weight capacity Low VOC finishes are non-toxic, contributing to a clean and healthy home Includes easy-to-read instructions, slat rolls, hardware and all the tools you need I advised XXXXXXXX XXXX XXXXXXXX representative known as XXXX about all the issues. Here is XXXX 's response on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXXXXXX XXXX Hello XXXX, I sincerely apologize for the issue with your order. It is our policy to provide free replacements for anything damaged. Items that are damaged or assembled are not eligible for returns/refunds. You can read more about our return policy here : Changes, Cancellations & Returns XXXX XXXX XXXX Thank you again, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Tel : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I have been a customer of the Paypal credit ( previously Bill Me Later ) for some time now. While reviewing the CFPB website I saw a determination of some practices that I believe I was a victim of. 

Abusively charged consumers deferred interest : The ability to repay the items that were being deferred was not easily apparent, and as such caused undue fees to be applied instead of paying items that cause additional interest. 

Made consumers use PayPal Credit for purchases instead of their preferred payment method : Merchant websites utilize whatever payment option is chosen with paypal, and the payment is not easily apparent. Multiple times I have payed for items that have used the default " paypal credit ( bill me later ). At the time I did n't realize this was something to watch out for but after reading the article there are more than a few items that I would have rather payed for up front for that I was n't clear I had the option for that are now costing me in interest. 

Please review my account and case because I feel this falls directly in line with the determination made by the CFPB in XXXX of 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX Credit report I can see 2 hard inquiries that are not true ... I need to make Chase or Amazon to removed that inquiries, how I can do that. Please Help Jpmcb - Card Service Inquiry from XX/XX/2019 National Credit Card Cos. 

Jpmcb - Auto Finance Inquiry from XX/XX/2019 I did not apply or ask for a new loan or credit card or anything in those dates. 
I don't now why they ran my credit. 

Thank you
Product: Credit card or prepaid card

I purchased 2 tickets on XXXX XXXX in XX/XX/XXXX, {$1800.00} charged to my Capital One Visa. The flights from XXXX to XXXX, XXXX, returning from XXXX, XXXX to XXXX ( XX/XX/XXXX, returning XX/XX/XXXX ) were cancelled when XXXX and XXXX closed their borders due to the Corona Virus. 

I purchased the tickets on-line thru XXXX XXXX, a XXXX, XXXX on-line travel agent. XXXX airlines refunded the cost of the tickets to XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX as of this date ( XXXX XX/XX/XXXX ) has not refunded the charge to my Capital One Visa. 

For the last 9 months I have written letters and countless emails to Flight Network ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ON XXXX XXXX, XXXX ). 

XXXX XXXX does not respond to letters and emails, and does not answer the telephone. 

I have tried to have Capital One reverse the charge but they have refused, deferring to XXXX XXXX which states that refunds are at the airlines discretion. Since XXXX has refunded the ticket prices this is nonsense!! 

Capital One refuses to take action. I have previously written the XXXX of Capital One asking for help, but with no response. 

Both XXXX XXXX and Capital One should be sanctioned for this complete disregard of customers rights and US law. 

I have no recourse other than appeal to CFPB
Product: Money transfer, virtual currency, or money service

The Apple Card was on the Apple Wallet and this was linked to XXXX. There have been fraudulent charges on both accounts and the XXXX account was completely taken over. Someone has been adding amounts that I supposedly have to pay by cash, XXXX or gift cards. Apple closed my account for " inappropriate use '' and XXXX refuses to cancel my account and delete my personal information and credit cards. I went through identity theft in the past and my social security number was used by a scammer to file taxes. The charges on my account are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I approached Apple Card through the chat feature and called them to file complaints and told them about the fraud. I provided detailed evidence of each case and every time they opened cases and then " reversed '' the charges. Apple then added the charges back to my account as new. All of the charges were paid by me and they should not have been added back as a new charge. I already paid them. Some of the fraud happened in XXXX while I was rebuilding my credit from the identity theft. I did not want my credit score to be impacted. The amount of charges that were added back to my card after their investigation into the fraud was {$7500.00}. Apple issued a " provisional credit '' and then lost or never retained any of the documentation that I provided in any of the at least seven times that I tried to get them to do something. Once enough time had passed they would send me an email that the provisional credit was being reversed and charged my account again. 

XXXX XXXX used the credit card information from one sale that was authorized in XX/XX/XXXX to pay for purchases on XX/XX/XXXX for {$360.00}, XX/XX/XXXX for {$360.00}, XX/XX/XXXX for {$390.00}, XX/XX/XXXX {$490.00}, XX/XX/XXXX for {$510.00}. The only way to reach the company is to send them a message by chat and then put the details into an generic email that supposedly goes to California but really goes through somewhere offshore. XXXX never raised any objection or required additional information from the seller despite receiving multiple emails telling them it was fraud. XXXX also refused to issue a refund for the purchase on XX/XX/XXXX due to them telling me that they had not received the purchases. The box that they sent to the wrong address was ripped open and rummaged through when I finally received it. It had a sticker from the shipper that said that the box looked like this when they received it to send to me. The Apple Card was used in all of the transactions and continues to remain on the XXXX site despite being closed down for " inappropriate usage ''. 

XXXX XXXX billed me for someone else 's charges as did the XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about experian credit reporting agency. I have been disputing an account " XXXX XXXX XXXX '' that is reporting on my experian credit report for months now. To reach a live rep at experian was extremely difficult and I am unable to file another dispute online as the system will now allow me. This account has fraudulant charges on it from a few years ago. I disputed it with all 3 credit reporting agency 's XXXX did there investigation and it was deemed that the charges were fraudulant so the account was removed off my XXXX credit report however experian is still reporting it. Having this information report is affecting my credit score in a negative way. I do not owe this money as the card was stolen and fraudulant charges were made on it. I am consistentaly disputing this account. My biggest question is if XXXX received verification to delete it off my report why isn't experian receving the same response? I do not no what is reporting on XXXX as I haven't been able to view a current report from them either. I requested an updated XXXX report but never receveid one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  placed a derogatory on my TransUnion credit file. This was erroneous and XXXX agreed to remove it. See attached XXXX  letter and TransUnion credit file. I was turned down for a loan because of TransUnion 's erroneous reporting of the XXXX derogatory.
Product: Credit card or prepaid card

On XXXX I bought a salad in the cafeteria of the hospital my mother was brought to when she had a XXXX XXXX. The cashier told me she accidentally charged me {$41000.00} for the {$11.00} salad. I immediately called Chase and told them. They assured me the charge did not go through, that it could n't have gone through anyway because I only have a {$9000.00} limit and that I would definitely get a phone call if an amount that large was being charged as it would trigger the fraud department. On X/XX/17 I logged into my account to see that the {$41000.00} WAS in fact charged and no one from the fraud department notified me. I called Chase and was told that they would need to investigate the dispute since it was such a large amount. They told me that I should call XXXX hospital to resolve it. I have called XXXX multiple times and they agree it was not a correct charge however they are waiting for their bank to get back to them. In the meantime all of my automatically charged bills are getting rejected. When I asked Chase why they allowed this charge to go through they said that they allow purchases to go through to prevent the person charging from " getting embarrassed ''. So now I am being held financially hostage because they let a hospital cafe charge me four and a half times my credit limit for a salad. Can you please help me get this resolved? This is causeing huge issues for me while I 'm also trying to take care of my mom while she is having XXXX XXXX XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached identity theft report XXXX. XXXX XXXX XXXX XXXXXX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 1681b 2. XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 1681b
Product: Debt collection

I ask the company for specific paperwork to send me and didn't receive. 
Violated my rights
Product: Debt collection

I was sent to collections after 30 days for a water bill when the city would n't let me set up a payment plan. I did not receive any correspondence, but got a call from Fidelity Collection Services. They used vulgar language. They added a {$100.00} fee plus 9 % interest. They would n't work with me on removing the fee so I could pay the debt. They threatened to garnish my check.
Product: Debt collection

Is a medical debt that occurred on an XXXX  XXXX at XXXX XXXX in XXXX, Alabama on XXXX XXXX XXXX XXXX XXXX. I filed due to my status as a XXXX XXXX. I filed a financial assistance application at the latter part of XXXX and it states that if information was not sent in by XXXX XXXX XXXX XXXX. It would be forwarded for further collection activity. I received the text XX/XX/XXXX at XXXX XXXX which is XXXX days prior to deadline. I had already found as I said. Earlier the forms for financial assistance. The letter sent from XXXX XXXX was dated XX/XX/2024. I didn't receive it until XXXX XXXX XXXX 
XXXX. I have made numerous attempts in payments on this debt. And every time I do what is requested of me there is a pushback. It seems to be a pattern. It seems to be intentional. The information that the requested for to financial assistance application was provided to them. I even provided them personal information about being a XXXX veteran of XXXX XXXX XXXX XXXX. And that I am a XXXX XXXX. And I am part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd they refused all that information. I also have XXXX XXXX XXXX XXXX XXXX. This is the second time this company has used these intimidation tactics concerning a doctor bill. 
The previous doctor bill was paid by my insurance. And they still Intentionally made that difficult. This company is called Holloway credit solutions XXXX. The phone number is XXXX and I'm concerned about a possible violation of the fair debt collections practices act, 15 U.S.C 1692. I contacted there corporate office to no avail. I have insurance and there's no reason to be threatened and harassed about a doctor 's bill.
Product: Credit card or prepaid card

Bank of America XXXX Debit Card, on XXXX called bank to find out my account was closed, never received any notice about account was gone close, with fund on my account, Ive contact Bank of America couple of times regarding my funds, and I been told to contact XXXX XXXX so on XX/XX/2021 sent a claim regarding my funds, and I was told again to contact Bank of America XXXX on XX/XX/2021 contact the bank again and told me the same thing contact XXXX XXXX am just back and fourth, I just want to get the remaining of my funds from a close account.and the phone number I was gaven from th XXXX to contact XXXX XXXX is not in service. 
Thank you
Product: Credit card

On XX/XX/XXXX I called the card issuer to pay my balance and to have the account closed. Once the payment was made, I asked the rep. to close the account, and asked if the account had been closed, which he stated yes. I asked will I receive anything in the mail stating the account was closed, he said no, but I will not be receiving anymore statements, only the last one that will show my final payment. That was true however, it did not have the account was closed or anything to show it was closed. I called back and was reassured that the account was close. Until XX/XX/XXXX when I received an email stating a payment was due. Immediately, I get on the phone to tell them that the account should have been closed on XX/XX/XXXX, but the XXXX ( XXXX XXXX stated that they could not close the account I asked why? He stated because I have to pay the bill, and I said I paid the account in full, asked to close it, and now you are telling me that I have to pay an annual fee for an account that should have been closed in the first place. He states, I told him that I would call him back about closing the account when I made the payment. I stated to him that did not make sense nor was it true. He went on to say again, he could not close the account. I called and spoke with several other reps. and they tell me the same thing, they can not close the account.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request that the following fraudulent account and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These entries were not authorized by me and are the result of fraudulent activity stemming from the data breach. 
Fraudulent Account : XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

**Subject : ** Complaint Regarding Inaccurate Late Payment Reporting by Equifax - **Name : XXXX XXXX XXXX XXXX XXXX - **Credit Reporting Agency Involved : ** Equifax - **Creditor Reporting Late Payments : ** XXXX XXXX XXXX - **Account Number : ** XXXX -- - This complaint addresses Equifaxs inaccurate reporting of late payments for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX under my XXXX XXXX  XXXX account ( XXXX ). ** Despite the fact that I made these payments on time, Equifax continues to report them as 30 days late. These inaccurate entries have negatively affected my credit score and caused

undue financial stress. -- - # # # Violations of the Fair Credit Reporting Act ( FCRA ) : 1. **Failure to Ensure Maximum Possible Accuracy ( 15 U.S. Code 1681e ( b ) ) : ** Equifax has a legal obligation to ensure the maximum possible accuracy of the information it reports. These inaccurate late payments violate this obligation. 2. **Failure to Conduct a Reasonable Reinvestigation ( 15 U.S. Code 1681i ) : ** Under the FCRA , Equifax must conduct a thorough reinvestigation of disputed information. Failure to reverse these inaccurate late payments demonstrates noncompliance. Requested Resolution : I am requesting the CFPBs assistance to ensure the following actions are taken : 1. **Reverse the Late Payment Marks : ** The late payment entries for XXXX XXXX, XXXX XXXX, and XXXX XXXX must be reversed and corrected to reflect on-time payments.

2. **Provide Verification or Documentation : ** If Equifax continues to assert the validity of these late payments, they must provide detailed documentation, including : - Billing records for the disputed months.

- Proof that delinquency notices were sent to me.

- Evidence showing that payments were not made within the agreed-upon terms.

3. **Update My Credit Report : ** Ensure my credit report accurately reflects that payments were made on time.

-- - # # # Supporting Documents Enclosed : - Payment confirmations for XXXX, XXXX, and XX/XX/year>. 
- Bank statements showing timely payments. 
- Credit report comparisons highlighting discrepancies between XXXX, XXXX, and Equifax. 

-- - # # # Escalation of Complaint : Failure to resolve this issue and reverse the inaccurate late payments will leave me with no choice but to pursue further legal recourse and file additional complaints with regulatory agencies.

Thank you for your immediate attention to this matter. 

**Sincerely, ** XXXX XXXX XXXX XXXX -- - Let me know if you need additional edits or more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE:XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX  XXXX XXXX, FL XXXX Resident typeSingle family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX