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

First complaint : XXXX CLOSED YOUR COMPLAINT On XX/XX/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam. Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX XXXX XXXX Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed. Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one. 

Now I returned the merchandise as agreed and they still charged me for the transaction and now they telling me there is nothing they can do because has passed a year now.
Product: Mortgage

We were getting a HELOC with a {$100000.00} withdrawal at closing. However, we were scheduled to have a mobile notary on XX/XX/2022 but had to cancel due to illness from XXXX. 

On XX/XX/2022 I noticed that I had an extra {$100000.00} in my account. Again I never signed anything related to this loan and had no idea why this went through. On the same day I contacted the bank and spoke to XXXX different people and was on the phone with them for over XXXX hours. 

The last person I spoke with said that someone would call me back in XXXX hours. A few hours later someone called and said for me not to touch the money and he will call me back on Monday. He also said that he was just going to back out the transaction and have me sign for the HELOC. 

I told him that I want to know what happened before I sign papers for this loan. I also asked him if this issue would be self reported to a government agency and never received a clear answer. 

At this point I have some concerns moving forward with this loan but Bank of America seems only concerned that I do not spend any of the money. Not once did anyone from the bank apologize for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO PROPERLY VALIDATE THE ACCOUNTS THAT WERE DISPUTED. ALL EXPERIAN DID WAS RUN THE DISPUTE THROUGH ITS E OSCAR SYSTEM AND SEND ME BACK AN UPDATED STATUS ON THE REPORT. AN UPDATED STATUS WAS NEVER ASKED. THEY WERE ASKED ON MANY OCCASIONS TO EITHER PROVIDE AN ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM OR DELETE THE FALSE ACCOUNTS REPORTED ON ITS CREDIT REPORT. THEY NEVER DID ANY OF IT AND THEY JUST KEEP SENDING BACK A LETTER SAYING UPDATED. THIS HAS CAUSED ME TO NOT BE ABLE TO OBTAIN CREDIT.
Product: Debt collection

I have reached out to this company & requested proof of all documentation linking me to this collection account. I have also requested FMS FINANCIAL agreement stating they work IN HOUSE for the original creditor XXXX XXXX and NOT a third-party debt collection company that bought the debt with the Name, and time of Verification. Per request, this company added an inquiry on my consumer report which also violated 15 USC 1681b ( Permissible Purpose ) which states No inquiries should be reported that IS NOT attached to an open account. This account federally violates numerous CFR & USC and I demand it be removed immediately. 

This company also unlawfully served a summons for court to an address I have not been associated with since XXXX grade in high school. I requested the third-party company who DID NOT do the work to ensure I was associated with this address or anyone living at this address. FMS FINANCIAL SOLUTIONS continued with the court hearing without my knowledge. They WON OCT. XXXX. The only reason I was made aware of this is because they violated me as well as The Privacy Act of XXXX and put this on my credit. A debt I never received the knowledge of me needing to discharge {$20000.00}
Product: Credit reporting

I recently received a copy of my Experian Credit Report ( XXXX ) on XXXX/XXXX/2016. For several months I have been disputing what I believe is a questionable Hard Inquire from XXXX XXXX XXXX dated XXXX/XXXX/2016. I have disputed the inquire with the XXXX other major Credit Bureau and upon the completion of there investigation they determined that inquire were to be removed from my Credit Report. Experian continues to refuse to remove the mentioned hard inquiry from my Credit Report and continue to deny my right granted to me by the FCRA. If the other XXXX major credit bureau conducted there investigation and determined to remove the inquire from my credit report it could only result in the ethical and trust worthiness of how Experian handles disputed items from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the following accounts XXXX XXXX XXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 Equifax 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 collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} 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 XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Every month when I try and log onto XXXX  it locks my account and forces me to go through a lengthy unlock process that usually involves calling them. Also about 50 % of the time when they instruct you to use the app its broken, and it locks your account. I have been using a password manager for at least a year and I get lock out every time. 

Then I asked the customer service rep what would happen if I XXXX  my self, and they replied they would go after why wife and child to collect. 

They actively do not help you work towards resounable payments but put you on forbarence so they make more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to see that the Credit Bureaus chose to ignore my request and neglected to comply with the Fair Credit Reporting Act section 605b. I am a victim of identity theft once more, and the data on my credit report is the result of this crime. According to FCRA section 605b, credit reporting agencies are required to delete any accounts and information listed on an ID Theft Report. I did some research on how to remove the fraudulent information from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. I need the following items removed from my Credit report : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$94.00} 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 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 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 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 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  FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Fraudulent Accounts - Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, DE XXXX XXXX XXXX XXXX, XXXX, and Equifax Dear Sir/Madam, I am writing to dispute the accuracy of several accounts appearing on my credit report, which I believe are fraudulent and violate my rights protected under the Fair Credit Reporting Act ( FCRA ). As a consumer, I value my right to privacy and the accuracy of information reflected in my credit report. Upon reviewing my credit report, I have identified the following fraudulent accounts : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$53.00} XXXX. **XXXX XXXX* - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3800.00} XXXX. XXXX* - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$6500.00} These accounts were opened without my knowledge or consent and are the result of identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies, and I have attached a copy of the complaint for your reference ( FTC Report Number : XXXX ). 

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. However, I have identified potential violations in the reporting of these accounts : 1. [ ] 15 U.S.C. 1681 Section 602 A : Right to privacy.

2. [ ] 15 U.S.C. 1681 Section 604 A Section 2 : Furnishing of accounts without written instructions. 

I request the immediate removal of these disputed accounts from my credit report as they are inaccurate and unfairly represent my credit history. Given the nature of these discrepancies, I believe these accounts to be fraudulent. 

Failure to rectify these discrepancies may result in legal action, as provided by the FCRA. I trust that you will conduct a thorough investigation into these matters and provide a prompt resolution. Kindly provide written confirmation of the actions taken regarding this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** XXXX. FTC XXXXdentity Theft Report ( Report Number : XXXX ) XXXX. Supporting Documents
Product: Credit reporting or other personal consumer reports

Kindly update my account this causing me a lot of stress XXXX XXXX
Product: Debt collection

Company repeatedly calling my work line. I am a XXXX, and this ties up a patient emergency line so a patient ca n't get through, is causing me to possibly lose my job and livelihood. Please help me.
Product: Debt collection

We opened a merchant account with Bank Of America back in XXXX, XXXX, And after opening the account we noticed that BOA is only a middleman between us ( merchants ) and another merchant provider called XXXX ( the new name of this merchant provider now is XXXX ). 

We had no problems and our business was doing fine and stable, after few weeks we scaled our business and we start getting more sales, and suddenly we received a call from XXXX claiming that our account is under review, and this review took more than 2 weeks, after that they took a reserve of more than {$20000.00} ( in this stage I was calling them everyday with no answers from the risk department [ I mean XXXX  risk team, since BOA was not involved in these issue for some reason ] that they claim is the right department that can provide details about the hold and the reserve ), and that means XXXX did all that without any formal communication. 
Note : during this entire period of the review, they were collecting fees from my bank account. 

After few days the account was closed [ on XX/XX/XXXX ] and because of that I was out of business permanently, and I was surprised when I got a call from BOA claiming that I owe them this amount. I requested BOA and XXXX to explain why I owe them this amount, since the statements [ see attached ] that I received after the account closed were not showing this numbers. But no explanation was provided. I called the XXXX customer support ( since BOA didn't have any info ) to ask about the reserved balance that was held before the account closed, and after I got connected with a lady who explained that they still have a reserve balance of more than {$14000.00}, and she stated that I will receive a check to my address with this amount, witch I never received. 

And today I got a letter from a collection agency regarding this matter, asking me to pay this debt. That I am still waiting an explanation for it from BOA and XXXX. 

XXXX Thank you
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXXXXXX  and concord credit claimed I owed $ XXXX XXXX XXXX. 
I believe this is identity theft and I'm a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not updated my account balance since my XXXX XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed multiple complaints about ford kotor credit and how they are reporting on my credit. I filed an original chapter XXXX inXX/XX/XXXX, it was voluntarily dismissed in XX/XX/XXXX, refiled in XX/XX/XXXX and then dismissed but refiled in XX/XX/XXXX which is still open. The vehicle they are reporting derogatory and as a charge off was i cluded in this ch. XXXX bk. They are refusing to remove the atatus as charge off and continue to report derogatory late payments to my credit monthly. I filed a dispute on XX/XX/XXXX to have this be ipdated to reflect it NOT being charged off and having it reflect the wage earner plan reporting to be apart of my ch. XXXX bk. They only removed the amount owing ( XXXX ) since we surrendered the vehicle and show it as a charge off with original amount of XXXX and charge off amount of XXXX i do not find this fair that if it is included IN MY BANKRUPTCY AS A WAGE PAYMENT PLAN THAT THEY BE ALLOWED TO REPORT IT AS A CHARGE OFF ON MY CREDIT AND HAVE IT NOT TIED AS A RECORD TO MY BANKRUPTCY. They are reporting FALSE information and having it be inaccurate as they mark derogatory payments monthly as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Debt collection

Protfolio recovery not only contacted associates that had nothing to do with my account, they disclosed information to the third party in regards to the debt. It was embarrassing, deceptive, intimidating. I asked Portfolio Recovery to cease all calls, and I also informed them I want only written communication. They still call me! Even after I informed no more calls. This company should not be in business disclosing an individuals personal business matters to third parties and repeated calls after DNC
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to correct my birthday and has been given proper legal documents to show correct year. They wrote on their file they sent to me they would not correct or change the information and their re investigation would not change the results even though I provided them with proof 2 times. What is wrong with Equifax? This needs to be fixed ASAP.
Product: Credit card

Cash app is deliberately playing games with me. I have XXXX different individuals emailing me stating they need more documents. The documents cash app have requested I have enclosed several times. I have submitted Proof of tracking number that merchant received their product back for refund I have enclosed several emails from merchant indicating refund was processed Ive enclosed the cash app transaction I have enclosed the cash app card used for transaction so what more does cash app need what I had for dinner before placing my order. This is ridiculous its apparent cash app should see the transaction of {$89.00} being deducted on XX/XX/XXXX or XX/XX/XXXX so if merchant is saying a refund was processed than there should be another transaction via original form of payment a refund going back to cash app because a successful refund transaction requires XXXX transactions I will never ever use cash app I will file a lawsuit for punitive damage stress this has caused me I even enclosed an email from merchant saying theres a {$15.00} dollar penalty for returning their item which would hv made the refund {$74.00} cash app continues to say order was fulfill how when the item was returned and no refund has been submitted after 30 days I hate cash app publish this please the company name is A few vibe I ordered a pair of men shorts brand fear of XXXX essential XXXX  XXXX size XXXX  this is all the frivolous documents requested and I have submitted them XXXX times company even offered a 15 % off my next order which I declined that email was also enclosed what more can these XXXX XXXX need
Product: Credit reporting or other personal consumer reports

was a victim of ID Theft. There are accounts on my Experian Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

Hello -- I have a student loan that is being serviced by Navient. I have a subsidized loan and an unsubsidized loan. On Thursday, XX/XX/XXXX I called Navient to payoff my subsidized loan of {$3500.00}. The customer service rep told me that this was possible and proceeded with the payment of the subsidized loan and even congratulated me on paying this loan off. I went to check my account online on Saturday, XX/XX/XXXX and the payment was posted to both my loans versus just my subsidized loan. They paid {$540.00} to my subsidized loan and {$2700.00} to my unsubsidized loan. I called on Monday,XX/XX/XXXX to fix this and I was told that I was given wrong information on Thursday and they ca n't pay off the subsidized loan. They told me that Navient only views it as one lump sum and not two separate loans and federal law states that they ca n't pay off the one loan. The federal governement views it as two loans only. However online under my account details, on the Navient website it states : Ready to pay off this loan today? Here are the amounts : Online {$2900.00} By U.S. Mail {$2900.00} This is misleading the consumer. I was told by phone that I could pay off my account and it even states this on the Navient website. However when I made the payment, they then tell me that I ca n't. <P/>Please contact me with any further questions you have. Thank you.