23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Your prompt is not asking for the right questions. My complaint is Fraud and misrepresentation.

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX To Whom it may concern : I am writing this letter on behalf of the many thousands of consumers who would never take the time to do so.

This letter will represent itself and all the many charges against The Home Shopping Network. Not legally charged with, but did legally occur 1. Misrepresentation of goods and services 2. Fraud 3. Selling products they dont have 4. Not being able to or equipped to resolve consumer complaints 5. Continuous and inaccurate or disputed credit reporting by Comenity Bank and HSN ( My complaint as well ) 6. Poor quality control 7. Items not refunded 8. Items not working when received and refused to take back 9. False Advertising 10. Items considered poorly manufactured 11. Items delivered damaged 12. Company grants coupons, but will not accept them 13. Kept charging customer after payment was received ( My complaint as well ) 14. Would not provide transaction info to verify accuracy of payment or services provided ( My complaint as well ) 15. Taking advantage of XXXX and XXXX older consumers ( My complaint as well ) 16. Charged customers for items not received 17. Selling defective items 18. Holding themselves non-accountable ( My complaint as well ) 19. HSN or Comenity Bank tells you that your account qualifies for Flex Pay but never gets there 20. Promise additional items at point of sale. But dont deliver 21. Consumer tries to use an affiliate Credit Card and cant 22. Stealing Customers money 23. Orders are cancelled without consumer knowledge 24. Money to pay for HSN credit card is deducted from consumers credit info on file without their knowledge They personally reported false information for 2 years at the Credit Bureau causing great financial burden to myself and my family. The information was inaccurate and disputed. But they reported it anyway.

I finally paid them off to get rid of them and there still reporting derogatory information in regards to my account. The credit bureau is just a co-conspirator in these events because HSN and Comenity Bank pay the credit bureaus monthly and I dont pay them anything.

Companies like this should not be allowed to operate in these United States. You hear frequently about scam opportunist or scam companies. But its hard to believe we have one in our back yard The charges and allegation made on this letter come from myself and 22 legitimate websites that review companies like HSN and Comenity Bank. Of the 900 plus companies they have reviewed, they consider HSN in the 300 of the worst companies operating in this Country. I will upload the 22 documents to your site upon completion of this complaint.

Some of the verbiage in these documents are grievous, liable and should be addressed with the greatest concern for consumer public safety. I know from previous complaints to your company. Your results lack of the best intention to the consumer. I hope this will not be then same for this matter.

Page 1
Product: Credit card

I had credit card account at Capital one Bank, I paid the bill, which they charged me interest on my interest. However, I closed the account. They keep reporting the account as open to the credit bureau. I want it closed and removed from my credit report. They are like working with used car salesmen, very XXXX. XXXX shows it closed but XXXX shows a closed account and an open account.
Product: Credit card

I am filing a complaint regarding a credit card dispute with Capital One. On XX/XX/scrub> 2024, I reported a fraudulent transaction involving a {$2500.00} payment for a motorcycle that was never delivered. The payment was made to XXXX XXXX XXXX, and I have provided all relevant documentation, including an invoice and communication with the seller, to Capital One. 

Despite my repeated follow-ups, Capital One denied my dispute on XX/XX/year>2024, without providing a clear explanation. I was informed that the case could not be reopened or appealed. I have called Capital One 11 times, each time being told to wait longer, but no resolution has been provided. The bank has also failed to send me any notification of the denial or the reasons behind it. 

Branch Ambassador : XXXX XXXX, Capital One N.A., XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX XXXX is the one hwo helped me to and he said that he dose not know anyone with that name XXXX in florida or in XXXX disput and gave me the clam nubers and here are the claim numbers XXXX  XXXX XXXX XXXX third XXXX Motorcycle Website : XXXX XXXX XXXX XXXX named XXXX the scammer he has the same addras as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX everything included in the pictuer that i uploaded XXXX of Motorcycle Website : XXXX XXXX is real general sales XXXX the i have talk to phone # XXXX XXXX XXXX or XXXX XXXX XXXX XXXX email XXXX location XXXX XXXX XXXX XXXX, XXXX, IL XXXX I am seeking assistance from the CFPB to resolve this issue, as Capital One 's handling of my dispute has been unsatisfactory and lacks transparency. 

Attachments : all the information is uploded
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXXXXXX, has violated my rights. 
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 an account without my written instructions.

This account is fraudulent account, I do not open account with this creditor.
Product: Debt collection

XX/XX/year> {$2200.00} XX/XX/year> {$420.00} They Attempt to collect a debt due to my health issues right now and cant continue working.
Product: Credit reporting or other personal consumer reports

I looked at my credit report I noticed some things that are incomplete and Not accurate. i had already told/send letters to all XXXX bureaus about this yet they have not done anything the investigation is completed and still the items remain i feel like a victim of the system now that i am learning about the credit bureaus ways and how they make money off us, so i figured its in they best interest to use my info how every they want to. but i learn according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. to These accounts Creditor : XXXXXXXX XXXX Account # : XXXX Creditor : XXXX XXXX Account # : XXXX Creditor : XXXX XXXX XXXX Account # : XXXX Creditor : XXXX XXXX Account # : XXXX Creditor : XXXX XXXX Account # : XXXX Creditor : XXXX Account # : XXXX Creditor : XXXX XXXX  Account XXXX : XXXX Creditor : XXXX XXXXXXXX Account # : XXXX Creditor : XXXX Account # : XXXX Creditor : XXXX XXXX XXXX Account # : XXXX Creditor XXXX XXXX XXXX XXXX 
Account # : XXXX are not complete and accurate, According to 15 USC 1681s-2 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

On XX/XX/XXXX, a fraudulent purchase was charged to our account. We protested, Citi sided with the vendor. We protested again and have spent hours trying to make Citi understand. We filed complaint # XXXX with the CFPB on XX/XX/XXXX. Citi responded by stating " ... .we determined the {$4900.00} purchase on XX/XX/XXXX was fraudulently made ''. We thought this meant we would not be charged. 

Citi notified us yesterday that it is again allowing this fraudulent charge to go through our account. I want this case reopened because they lied when they responded to the CFPB and are siding once again with the vendor, who processed a fraudulent charge.
Product: Credit card

Bank of America ( my XXXX card ) added foreign transaction fees to a purchase I made on- line, on XXXX/XXXX/15 transaction ( reference ) number XXXX. Based on my conversation with the company, Just Sweatshirts they disclosed that they shipped the items from XXXX XXXX XXXX, XXXX, New York. I was billed in XXXX dollars ( {$180.00} ). My bill and invoice confirms that the company shipped my product from New York State. 
The card company said that the company billed them from XXXX, XXXX. The company denied that. I have the documents to support my allegation of Fraud by Bank of America. It is not about the minor {$5.00}, It is about how many millions is the credit card company making illegally by falsely adding on fake foreign fees. Even if the company sent paperwork from XXXX, the products came from the XXXX, not XXXX.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

In XXXX XX/XX/XXXX around XXXX I ordered XXXX tires ( big items ) from XXXX using Paypal credit by Synchrony Bank XXXX The seller used a glitch on the system tricking the tracking number to make it look like it was delivered to my address. The tracking showed that the seller was in New York and my mailing address is in California. On XXXX XX/XX/XXXX around XXXX ( XXXX hours after my initial order ) the seller canceled the delivery at the same time it showed that the items were delivered to my front XXXX attached a picture that shows the time line of the item being in NY at XXXX am XX/XX/XXXX then got canceled at XXXX XX/XX/XXXX and magically appear at my front porch at the same time which is impossible. 

I tried to reason with XXXX but wasnt success, so I filed a dispute with Synchrony Bank. This voided my resolution with XXXX and they direct me to deal with the bank. Supportively, Synchrony should protect my interest since I never received that order. However I filed disputed 3 times and got denied all XXXX. I faxed them the evidence that I got in contact with XXXX to confirm that they never get that package nor deliver to me. The complaint that I filed against XXXX via BBB case number # XXXX showing XXXX admitted that the seller tried to send media product which not sufficient for the XXXX tires that I ordered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, My information has been exposed in a data breech. Under FCRA 605B and 609E I am requesting this information to be permanently removed within 4 business days of receipt of this. I opt out of any company policies as this is to be handled directly under the FCRA LAW. 
XXXX ( {$630.00} ) # XXXX, XXXX XXXX ( {$840.00} ) # XXXX, XXXX ( {$3600.00} ) # XXXX, XXXX  ( {$0.00} ) # XXXX, XXXX XXXX XXXX ( {$230.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received my credit report and noticed that there was multiple inconsistencies reporting on this report. I then sent a reinvestigation letter to XXXX, TransUnion and XXXX requesting that a thorough investigation be conducted regarding the inconsistent and inaccurate information unjustly being reported within my credit profile. The following accounts was called into question ; XXXX. XXXX XXXX  : Account # XXXX XXXX. XXXX  XXXX : Account # XXXX XXXX. XXXX  XXXX XXXX : Account # XXXX XXXX. XXXX XXXX : Account # XXXX XXXX. XXXX XXXX : Account # XXXX XXXX. XXXX XXXX : Account # XXXX and/or XXXX XXXX XXXX. XXXX XXXX : Account # XXXX and/or XXXX XXXX. XXXX XXXX : Account # XXXX and/or XXXX XXXX. XXXX XXXX : Account # XXXX and/or XXXX XXXX. XXXX XXXX : Account # XXXX and/or XXXX XXXX. XXXX XXXX : Account # XXXX and/or XXXX XXXX. XXXX XXXX : Account # XXXX and/or XXXX XXXX. XXXX XXXX : Account # XXXX XXXX. XXXX XXXX : Account # XXXX and/or XXXX XXXX. XXXX XXXX : Account # XXXX and/or XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I waited fifth teen days to see if my credit report was updated to reflect an investigation. This was absent. I then awaited the complete thirty ( 30 ) day to receive a response. XXXX still did not follow the law and respond. 

Relative to this submission, I highlighted that the above accounts failed to show XXXX percent accuracy across the board with all three credit bureaus. See : Exhibits from Credit report. 
XXXX removed some of the accounts. TransUnion and XXXX failed to throughly investigate the claims and respect my constitutional rights to the concrete law of FCRA. 

In relation to several accounts being opened past seven ( 7 ) years, the closed accounts wasnt matching 100 %, derogatory accounts didnt match, payment history didnt match, dates of open accounts didnt match, amid more. See : Exhibits from Credit report. 

However, XXXX chose to ignore my constitutional rights by failing to provide me with timely correspondence demonstrating that a thorough and complete investigation was conducted. 

* This entity failed to address and/or update my credit profile to ensure that my constitutional rights to a fair credit assessment was duly protected. 

* This credit bureau failed to document and enlighten me that an investigation was being duly conducted. 

* This credit bureau further failed to correct this inaccurate report. 

In light of the above, I charge that the entity of XXXX and the staff associated with this company deliberately violated a multitude of my constitutional rights and shall be duly held accountable for such transgressive actions. The following violations are : 15 U.S. code 1681 ( d ) ( a ) ( 1 ) ; 15 U.S. code 1681 e ( b ) ; 15 U.S. code 1681 i ; 15 U.S. code 1681 i ( 2 ) ( A ) ; 15 U.S. code 1681 i ( 4 ) ; 15 U.S. code 1681 i ( 5 ) ( A ) ( i ) ; 15 U.S. code 1681 i ( 6 ) ( i ) ; 15 U.S. code 1681 i ( 6 ) ( iii ) ; 15 U.S. code 1681 i ( 6 ) ( iv ) ; 15 U.S. code 1681 i ( 6 ) ( v ) ; 15 U.S. code 1681 i ( 7 ).
Product: Credit card

On XX/XX/XXXX my card was set up on autopsy my ending balance was XXXX $ I had an autopay set up for the amount of XXXX In order to change that amount I had to delete it and change the amount On that transaction it was a simple overlook. The amount of XXXX $ was my payoff During this time I had lost my mother and my family and I were grieving. 
My account had excellent standing. I never been late on a payment. I had not made that last payment of XXXX $ My account was never notified with a late payment and I had that set up to notify me. The account went into late fees and now I owe XXXX I contacted the credit card company and their understanding was clear forgive me for the late fees. Now my credit report has a negative impact on my score. I have worked very hard to keep my debt in good standing. The credit report is showing that late payment. Which was cleared up and paid. This one-time hit has cost me my credit report to show this negative impact. I would like to have this looked into. Someone who has nothing should not be a victim of shame on their credit report because this credit card company negligence on sending notices or having a good status on contacting this issue. The cost of XXXX has hurt my personal credit. I have good faith and that means something to me.
Product: Debt collection

CLIENT SERVICES IS ATEMPTING TO COLLECT A DEBT WHICH IS NOT MINE, REFERENCE # XXXX FOR THE AMOUNT OF XXXX. I AM DEMANDING A VALIDATION OF THIS DEBT, IN A TIMELY MANNER, IN WRITING WHICH BY LAW IM ENTITLED TO. THEY ARE ATTEMPTIING TO MAKE SOMETHING NEWR THAN IT IS REAGING, AN ACCOUNT THAT WAS NOT MINE TO BEGIN WITH. I AM ON XXXX, SO MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS.
Product: Debt collection

On XX/XX/XXXX I submitted the original complaint against Commercial acceptance company, they admitted fault and agreed to remove the erroneous, unvalidated debt which had violated my rights, and sent a letter to remove the listings from all of my credit files. On XXXX!! XXXX, I was notified that the debt was placed on my XXXX XXXX, and reinserted on my XXXX which they failed to notify me of the reinseration.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit file as they are a result of identity theft and unauthorized use of my personal information. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ).

Fraudulent Accounts : 1. XXXX XXXX  XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Bankruptcy Case No. XXXXXXXX XXXX  Filed : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} 3. XXXX XXXX Account No. XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX Balance : {$150.00} Fraudulent Inquiries : 1. XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Student loan

I am in the PSLF program and made my XXXX payment. Mohela refuses to update my payment count even though they show the XXXX payment posted. Calling Mohela is a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to provide a follow-up on my previous attempts to correct the late open accounts listed on my credit report. Despite my initial efforts, these inaccuracies persist, and I am compelled to seek further assistance in rectifying this matter. 

I have submitted disputes, provided documentation, and engaged with the relevant creditors and credit reporting agencies to address this issue. However, to my dismay, the late open accounts continue to adversely impact my creditworthiness and financial standing. 

I request that you will conduct a thorough investigation into this matter and take decisive action to rectify the inaccuracies. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$730.00} ; XXXX  XXXX XXXX Balance : {$81.00} ; XXXX  XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/year> I have personally purchased a Vehicle from XXXX XXXX... I had been APPROVED via in house financing ; although the Dealership has indeed ran My information prior to the close of the Credit Sale. Absent a SSA-XXXX XXXX has unauthorized use of My SS, meaning per 42 USC ss 408 ( 8 ) declares that it is a FELONY to utilize My trust information ( SS # ) and indeed is a violation of Criminal Law. I Also sent a Correspondence dated XX/XX/year> unto the XXXX branch Certified Mail/ Return Receipt. Not to mention, they still Own the title interest by giving XXXX XXXX  as the " assignment '' and NOT the 'Creditor '...
Product: Credit card

My XXXX XXXX Visa card was put on hold even though I have XXXX of credit limit left. Called to ask why and they told me that they needed to know how much I paid for my XXXX membership. I told them that is none of there business and they said they couldnt tell me why my account was on hold even though I provide all my personal info to prove it was me. This is the second time I have been put on hold unjustly. First time was my billing cycle would close and they would put a hold on my card for none payment before they even sent me a bill trying to make me pay online which was impossible because my account they didnt recognize when I tried. Filed a XXXX complaint and they gave me a {$100.00} credit. Now they are back at it again doing shady business practices and based o. Reviews that is there business model.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$2500.00} ; XXXX XXXX  XXXX XXXX  : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2500.00} ; XXXX XXXX XXXX XXXX  XXXX {$950.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$410.00} ; XXXX  XXXX XXXX  : {$100.00} ; XXXX  XXXX XXXX  : {$64.00}.
Product: Debt collection

The company XXXX has reflected negatively on my credit reports for the last couple of years. I've reached out to XXXXXXXX XXXX times specifically within the year of XXXX. Each time I've requested an original contract bearing my signature and received copies of bills and " verification '' from each of the credit bureaus. Most recently, I offered a settlement amount for the amount of {$110.00} with intent to have this account removed and eliminate some of the damage being caused on my credit report from this company and received the same letter returned to sender.