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

In XXXX of XXXX, I purchased office furniture from XXXX XXXX XXXX XXXX. XXXX delivered broken furniture. I filed a dispute XX/XX/2022 with American Express of my experience. XXXX came to replace said furniture XX/XX/2022. XX/XX/2022 furniture placement was refused because the XXXX delivered dirty dingy furniture uncovered and was NOT in acceptable condition for new furniture. 

XXXX XXXX XXXX XXXX XXXX  that I purchased, pushed me back to XXXX. 

Since then, broken furniture was left where XXXX XXXX XXXX left it untouched.
Product: Bank account or service

This is in regards to my previous complaint with Key Bank regarding transactions from XXXX. You keep denying my complaint because you say I made a phone call authorizing the transactions. I NEVER MADE A PHONE CALL TO YOU!!! First of all, I 'm deaf and the only way I could have called you is on a relay service. Secondly, I never use relay services because they 're not user-friendly in my opinion. That 's why I only use text to talk with people. Much easier. 

I really am shocked that you 're making a horrible situation worse by being so difficult. 

Also, I 've been doing a lot research on this so called company. It 's not too difficult to see this is just a scam. Do a XXXX search on XXXX and the first thing that pops up is XXXX scam!!! They 're an illegal entity. They 're supposedly a stock broker of some sort but they 're not registered anywhere. I urge you to contact the SEC at XXXX or the CFTC at XXXX. They will both tell you the same thing I just did. So based on this alone, the charges from XXXX should be null and void. They should never have been able to go through in the first place!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 USC 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.
Product: Checking or savings account

I received a XXXX loan and I am a sole proprietor I have a checking account with US Bank and on XX/XX/XXXX my account had a hold placed on it it first I didnt Panic because I understand processes but my account still have a hold the money is just sitting there Ive called the customer service number no direct answers Ive went into branches talked with branch XXXX  still no solid answers I keep being told all this general information but I was told it a particular person who have the hold on my account but she dont deal with customers directly but its been over 30 business days and if they are investigating or anything it should have been done by now but yet my money just sit there and when I ask for a time they tell me it could take months I spoke to them asking them to just send the money back and we restart the process they said it could take months to send back a ACH which I dont understand why and no one is helping me understand or giving me a clear answer at this point I just want this to be over with cuz its been to long and Ive done all I can do and I just need to know if there is regulations as to how long the hold can be there whats the next steps and move on but I feel like Im being discriminated against please help I also showed them the paperwork work they told me that wasnt my signature while I was in the bank dealing with a branch XXXX I went onto the website and got the information or paperwork to present I was told it had two different fonts
Product: Debt collection

Repetitive calls as in 4 to 5 calls a day. Not leaving a detailed message.
Product: Debt collection

Wells Frago has already discharged this debt 3 years ago. My attorney disputed this with wells Frago an attachment is attached to this email. I located this dispute deleted information from Experian. 

This is Extremely unfair and disturbing that I could dispute a debt and it continues to cause damaging to my credit report for years after many years Ive disputed. Wells Fargo again has no right to assign so many accounts that a customer can not even determine monies that she or heTrusted in a bank with financial importances. Again please have Wells Fargo to review the deleted information and investigation and to remove this debt off on my credit report that is extremely damaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a XXXX call on their recorded lines at transunion was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the Judge. Protection under 303 BK code. two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXXXXXX XXXX XXXX  involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. *Account : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. I am seeking prosecution for the willful ignoring of government laws and paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  XXXX  XXXX ( FINANCE ) XXXX XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX, XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX  {$1000.00} XX/XX/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 {$1500.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am reporting this collection Wakefield & Associates which is not under FCRA compliance. I have no knowledge of this account This is inaccurate reporting once the companies sells my debt to a third party I am no longer owe the debt to the company
Product: Credit card

USAA Federal Savings Bank Illegal Compromised My Identity by Three Visa Credit Card Accounts This Is A Serious Breach of Contract with Three Unathorized Visa Credit Card Accounts Unresolved Since XX/XX/year> USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX USA Fraud and Identity Theft Investigator XXXX XXXX in UK This is A Freedom of Information Act Violation by XXXX XXXX XXXX XXXX XXXX XX/XX/year> Victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Investigate With Impunity Expungement Requirement in All Criminal USAA Visa Credit Card Accounts Immediately by E Mail Verification XXXX XXXX
Product: Payday loan, title loan, or personal loan

the company name is advance America the case was sent to some law firm who they are im out sure I have not revised any bill or letters in this matter I just talked to a lady a case is being filed against me case no XXXX the amounts is other XXXX or XXXX ths debt happen some time in XX/XX/2015 that's what the caller said
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

ACE Flare card closed my account XX/XX/2020. I contacted them to get the reason for the account closure. I've had nothing but problems with this company using my card. I am an XXXX American and once a couple of months ago, an ACE card rep said the XXXX word to me and put me on hold for 30 minutes and then the call just hung up .My card was put on fraud risk for each and every transaction I made. When Is asked about the remaining balance, I was put on hold and the call was hung up .The debit card number for this account was XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello- I applied for and was approved for a Capital One Venture XXXX Card in XX/XX/2022. I specifically chose this card because of one of the advertised benefits- it provided a XXXX XXXX membership that included access to restaurants. 

In XX/XX/2022, I received an email indicating that this benefit was changing and the XXXX XXXX  membership provided as a benefit of my card would no longer grant any restaurant benefits. 

As a result of this, I can no longer receive any benefits from the provided XXXX XXXX  membership when I fly out of my home airport, XXXX 

So, essentially, the benefits that were advertised are marketed as part of this card are no longer available - this after I paid a significant annual fee. Had I known this, I would never have signed up for the card. This has cost me a reduction in my credit score as a result of the hard inquiry and the {$390.00} annual fee. 

I feel like this is a bait and switch - advertised and marketed benefits will no longer be available. There was a reduction in benefits but no corresponding reduction in costs. I called and spoke with a Capital One representative and her supervisor asking for a statement credit to compensate me for the reduction in benefits or a reduction in the annual fee and was denied this request. Both representatives were very professional and understanding of the situation, but unfortunately they were not authorized to address the issue. 

I would like a statement credit to offset this reduction in benefits. An equivalent XXXX XXXX membership that provides the benefits that were advertised and that i paid for through my annual fee and the revenue generated by my card use costs {$460.00} - XXXX XXXX XXXX 

I would like some compensation from Capital One. 

Thank you XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i reviewed my credit reports and discovered that 3 accounts that were idenity theft
Product: Credit reporting or other personal consumer reports

Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX MRS Associates account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. '' Equifax and XXXX are consumer reporting agencies and I'm indeed the consumer. I have the right to ensure that my private information isn't shared or breached which is backed by 15 USC 6801which further states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. '' XXXX XXXX by definition under that title. 15 USC 1681 Section 604a sec 2 states " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer Reporting Agencies Equifax and XXXX do not have my consent to furnish this information and they do NOT have my written consent either. Any and all consent to Equifax and XXXX, XXXX XXXX whether it be verbal, non- verbal, written, implied, or otherwise revoked. 15 USC 166802 ( b ) ( c ) states that " A Financial Institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. To add 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes in which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission which is against the law, 15 U.S. Code statute 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also, 12CFR statute 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Product: Credit reporting or other personal consumer reports

Privacy and confidentiality under 15USC 1681. 
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 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I'm trying to close an account with USAA that I used to share with my wife. Even after removing her from the account things she had on auto draft still continue to try to be taken out of my account causing overdraft fees. I just paid {$280.00} in overdraft fees and I'm trying to close the account because I'm not using the account and it's just accumulating overdraft fees which I think is robbery considering I'm a XXXX veteran on a fixed income and this is supposed to be a bank for military personnel
Product: Credit card or prepaid card

I have a Fidelity credit card that I used for everything and I always pay my bills on time. I paid beyond the minimum balance that was due. In my XXXX bill, Fidelity charges me a late fee of {$30.00}. I was very ill and was in the hospital for a few days. When I got out, I tried to get up on all my bills, but fidelity do want to hear the reason why my payment was one day late, just one day. I called to explain to Fidelity and ask for the late fee to be removed, I was told over and over there is nothing they can do. 

I believe it unfair for a credit card to charge a late fee when a customer is very ill, I did not refuse to pay the bill, I paid it with extra on it but I am only asking Fedility for the late fee to be waived. 

I am having some economic hardship and I still am making my full every month. 
Wavie a late fee of XXXX will not send Fidelity into bankruptcy.
Product: Vehicle loan or lease

Someone stole mine and my husban thd 's identity. I have disputed this account four times.still it remains.I told them I want written proof of this loan being ours nothing.its hurting our credits scores everyday it's on there.the number that they report on this account is not working, I had to research it to find a working number .When I did get a hold of Regional Acceptance they showed very little interest in setting this straight Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to remove the fraud alert on my TransUnion credit report file XXXX. I have attempted to call and go to fraud.transunion.com. please remove the fraud alert
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : CEO/XXXX  XXXX & CFO/XXXX XXXX XXXX. Hello I am XXXX XXXX. NO E OSCAR disputes. A week ago I received a notice alert on my consumer reporting file. I mailed over certified documents on XX/XX/2021 to be exact I sent it with the USPS and it was signed by XXXX XXXX. The green certified number is XXXX. I've called in to get an update on the status of my disputes only to be told that there were no documents received. Here we are a month later with no response. I was lied to and was told that no documents have been received, in which I knew I clearly sent the documents and received receipt returns and a green card back. This is my proof to show that the consumer agencies are actually lying and ignoring me. I am distress and I have reach the capacity where I no longer have the patience to accept this as a consumer. There are inaccurate accounts that are reporting on my credit report that were removed an inserted back on my consumer report this was the first cause of action that I gave notice to the consumer reporting agency that they are refusing to correct information on my consumer report after providing proof that the inaccuracies are over to be removed. My reputation and character is being ruined due to inaccuracies of XXXX XXXX, XXXX XXXX listed and re inserted on my consumer report in which I've given evidence to back my claim. I am sure you are aware that in fact I can sue you for defamation and willful injury Pursuant to FCRA section 623 Recovery extent of damages incurred by the wronged party, as deemed by the courts in federal court. Second cause of action, The consumer reporting agency in fact re inserted a removed item from my consumer report without notifying me in writing within 5 business days, in fact I will sue them for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$100000.00}. Third cause of action is where the consumer reporting agency fail to respond to my written disputes, and try to respond online which I asked for them not to do. Also they didn't respond within 30 days, I will be suing for violating FCRA section 611 part ( A ) ( 1 ) which carries a fine of {$1000.00} per violation. Must remove from reporting within 4 business days of receipt I am not allowing E OSCAR disputes only manual human being.
Product: Credit reporting or other personal consumer reports

i have accounts, collections, inquiries, and addresses that are not mine reporting to my credit report. this is wrong, inaccurate and not mine. I have reached out multiple time to the credit bureau and i want all of this removed immediately. this is incorrect information. i did not authorize anyone using my information. i have been contacted on multiple occasions even after telling them to stop contacting me and that these were opened fraudulent. they disagree and have continued harrassing me. 

Inaccurate accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate addresses being reported are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are inaccurate and should be removed.