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

I placed an order XXXX for a refrigerator from XXXX that was delivered on XX/XX/2022, using affirm loan. Unfortunately, it was the wrong size, so I called XXXX to order a replacement and they gave me a new order number XXXX which was agreed to be delivered on XX/XX/2022. It was agreed that the old refrigerator will be picked up while they drop off the new one. 
On the day of the replacement the old order XXXX was picked up by the same delivery company ( XXXX  ). However, I have been charged for both refrigerators. 
All efforts to contact XXXX to resolve this have proved futile. I have also raised concerns with affirm/Samsung about this error and asked them to refund one of the charges, but nothing has happened. 
Resolution : I am requesting XXXX or Affirm to refund me order number XXXX as this order was picked up by the delivery company ( XXXX  ) on XX/XX/2022.
Product: Credit reporting

I signed up for my free credit report pursuant to Transunion 's services and the XXXXday free trial ( after which I 'd be charged {$16.00} + tax for a monthly " subscription '' ). Upon the end of the 7 days, I tried to cancel but found no way to do so online, nor did I find any information as to a phone number to call to cancel, and I also could not find further instructions when I searched " cancel '' in the website 's search bar. I believe Transunion is purposely making it difficult and unreasonably burdensome for consumers to cancel their memberships so that they can charge them {$16.00} per month for the subscription. It seems very likely that Transunion is taking advantage of the busy nature of people 's lives and the little time they may have to fully mete out this issue. There is certainly a consumer protection issue when a company has intentionally tried to conceal a person 's ability to cancel a recurring charge that he or she otherwise has the complete right to do.
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 TransUnion 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 personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( XXXX ) 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: Money transfer, virtual currency, or money service

XX/XX/2022, received text and phone call from Wells Fargo regarding a wire transfer initiated for the amount of {$22000.00}. This was not authorized by myself or anyone else authorized by me. I advised the same to Wells Fargo and told them not to send the funds. We are later advised by Wells Fargo that it was not them on the phone and they contacted the receiving bank ( XXXXXXXX XXXX XXXX and the funds were no longer available. Proper steps taken to file a police report. Claim filed with Wells Fargo to recover the funds. Wells Fargo denies to refund the funds stating my user name and password were used to initiate the wire. In futher communications with Wells Fargo they advised they would refund the funds if I can prove it was not myself or someone else I authorized authorized the wire. they said as long as I can confirm my phone was compromised they would refund the funds. I have since supplied call history and a letter from my cell phone provider confirming my phone was compromised and all my calls and messages were sent to a fraudulent phone number. We have also supplied a verification letter from our local police confirming the same. To date, Wells Fargo has not agreed to refund the money despite confirming this was fraud. it is also our believe this may have been a breach of my user / pass information at wells fargo
Product: Mortgage

I have requested numerous times for Selene Finance LP to show me proof that I signed these certified with return receipt foreclosure sale date letters. They have not been able to show me proof. 

I am attaching for the record the tracking numbers to those certified letters they stated I received. As you will see the USPS tracking website which is a Branch of the US Government never sent those letters to me. 

I want all of this illegal activity to stop!! They have stated to me we are still foreclosing on your house and that is our stance. They are breaking the law in the state of TN.
Product: Bank account or service

I am filing this complaint against the unlawful practices of Bank of America that takes advantage of its vulnerable customers. I am a customer of Bank of America since XX/XX/XXXX. My checking account has settings to prohibit any debits, charges to and transfers from the account if there are insufficient funds to cover the transaction. Unfortunately, Bank of America does not honor its end of the bargain and on a separate occasions let my checking account debited, and the next day slapped me with {$35.00} late fee. It happened last year. I asked the bank not to honor any transactions in case of insufficient funds, but it did. The bank never refunded my {$35.00} late fee. It happened again this year. Bank of America allowed the transfer transaction to hit my checking account though I had insufficient funds, then conveniently slapped me with the late fee the next day. 
My second concern with the bank 's unlawful practice is the Alert system. With other banks, such as XXXX, XXXX, I get notified right the same moment any transaction happens in my account. However, Bank of America failed to alert me the same day about the insufficient funds in order I could rectify the situation and deposit the funds. Instead, Bank of America sent me the alert the next day- XX/XX/XXXX at XXXX. I immediately deposited the check to cover the difference and called the bank to see if any further actions were needed to take care of the insufficient funds. The rep asked me to call the next day - on the XX/XX/XXXX to get my credit back. Today, XX/XX/XXXX I called twice, spoke to XXXX who refused to credit the late fee, and did not transfer me to her supervisor XXXX , stating that the latter would not credit the late fee.Then I called again and spoke to another rep, and then her supervisor XXXX , who also refused to credit the {$35.00} late fee. Also, in response to my inquiry that this is Bank of America error, as it failed to notify me on a timely fashion about the negative balance in my account, as well as it allowed the transaction to go through in spite of my prohibition in case of insufficient funds, this supervisor said that Bank of America will do this again in future, if it wants - '' This is at the discretion of the bank ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$440.00}
Product: Checking or savings account

I opened an account with Chase bank, they set the account up after runing mu personal information, took the opening deposit of XXXX on XX/XX/XXXX. i updated my direct deposit to direct funds to chase on XX/XX/XXXX. now XX/XX/XXXX i am being told they are closing my account, rejecting my direct deposit and will mail me a check for the money in 7 to 10 days. i asked why and was told they are refusing to tell me why, refusing to give me any information whatsoever including what information was used to make the decision and will not give me my money back immediately even though they have no reason to hold it. i had a chapter XXXX bankruptcy discharged around a year ago so i donot owe them any money. yet now i am unable tee o pay my bills because chase has ALL of my money and all of my wages in limbo until the decide to send them back. the least they can do is tell me why or at the very least give me money.
Product: Debt collection

As of XX/XX/2017 Property was sold at Auction ( on courthouse steps, as is practice in Missouri ). 
Current notices from the " Ditech Financial LLC '' that liquidated that asset, still billing for over {$8000.00} This company " Ditech Financial LLC '' sent notices to the persons that were making payments on my behalf. And demanded that they move out. The company also was telling them that their payments were not enough and were increasing the monthly payment. 
XXXX had been the Lien/ Mortgage holder when I made arrangement with renter/tenant, it was later that " Ditech Financial LLC '' purchased the Note from XXXX XXXX they did not modify the agreement. 
I had a arrangement for my renter/tenant to make payments with a written agreement to transfer the property to them after the loan was paid off. This is called a " Contract for Deed '' in some states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act and 15 USC 1681. The following account on my credit report was furnished without my permission : XXXX XXXX This is a violation of my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681 section 602 A. The Fair Credit Reporting Act, specifically 15 USC 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, except for records of convictions of crimes that are more than seven years old. As such, the account listed above should be deleted immediately.

I also found multiple billing errors on my credit report, which violates the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Specifically, 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

I demand to see proof from the creditor bank account that I was marked late due to non-payment, as I was not notified 21 days before with a statement. As a consumer, I have the right to have these errors corrected on my credit report, and the items below should be updated accordingly.

( *LATE PAYMENTS? ) If these accounts are not updated immediately, I will pursue monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability. I have already filed a complaint with the State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

Lastly, I did not authorize the following companies to access my credit report, and I suspect that these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted these companies and they have no proof that I authorized these inquiries or that there was a permissible purpose. Please remove these inquiries immediately.
Product: Mortgage

I had a house fire in XX/XX/XXXX. My insurance XXXX by XXXX gave an initial release of funds intended to be a downpayment for XXXX of XXXX XXXX who was doing the repairs, this was around XXXX of the total claim of approximately $ XXXX. An initial release of funds of $ XXXX was sent to Truist claims, who holds the mortgage, as required by them. Truist then proceeded to withold funds, only relinquishing $ XXXX, for the downpayment, which was contracted with servpro to be $ XXXX. XXXX agreed to continue work understanding that remaining payment would be received upon work completed. They are now near completion of the project and are asking for the remainder of the initial payment. Truist is REFUSING to release the remainder or even required portion of these funds. They claim that it is pending inspections, however an inspection has been " requested '' for over a month, requested XX/XX/XXXX, with no contact from the inspectors to actually schedule and inspection to release funds. It is at the point that the contractors are about to stop work unless they are paid, but insurance only is covering my temporary housing until their previous estimate. If Truist does not release funds I will be without housing or completed move-in ready repaired house all because Truist would rather withhold the funds to lend out and charge interest on, rather than allocate them to pay workers who are tasked and contracted with repairing my house. 

I have never been late on a mortgage payment, and I have signed documentation stating I am fully planning on repairing the house with claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on to the credit agencies. I asked for validation and received payment history that was confusing and doubling the amount owed on the account which is predatory for whom ever account it is. I told them this is not my account and they continue to report this incorrect information and has yet to provide me with what they are using to verify this account. I feel like this company is taking advantage of me and not responding to the complaint.
Product: Credit reporting

On a recent credit report the following address was listed as mine : XXXX XXXX XXXX XXXX, XXXX, Maryland, XXXX. I do not, nor never have, owned this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to XXXX XXXX XXXX XXXX, its not fair that Equifax are allowed to report this fraud against my Trust and Estate
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Bank, My name is XXXX XXXX XXXX, and I am writing to you regarding an account that appears on my credit report as a charge-off from XXXX XXXXXXXX XXXX XXXX I have no knowledge of this account and would like to request a proper investigation into this matter. 

I dont recall ever opening a bank account with your bank, Currently, I am in the background check stage with XXXX XXXX and XXXX XXXX, and I am being questioned about this debt. This is causing significant concern as I do not recall ever having an account with your bank. This inaccurate information could potentially affect my future job prospects, as it may appear that I have an active debt when I should not have any outstanding debt with any bank. Additionally, this misinformation is negatively impacting my credit score. 

I kindly request your prompt attention to this matter and an investigation to determine the accuracy of this account information. Please contact me at your earliest convenience at XXXX or via email at XXXX. 

Thank you for your understanding and assistance. 

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

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX PINE XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX Account XXXX : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

I paid off my full credit card balance of {$6800.00} on XXXX XXXX XXXX. After the payment was cleared, I then called Discover to close my credit card on XX/XX/. The Discover agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, Discover charged an interest charge of {$25.00} on XXXX XXXX XXXX XXXX business days after my credit card was closed. Discover never sent me any sort of communication or email stating the new balance was due. XXXX months went by and Discover then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of Discover 's failures. I have reached out to Discover multiple times and Discover agents are unwilling to reverse their credit reporting error. Discover is standing by their reporting stating their XXXX statement shows an interest charge of {$25.00} but the disconnect is that Discover charged their fees XXXX business days after I closed my account. Also, no communications were given to me to give me the chance to either dispute or pay the erroneous interest charge. 
Please help to look into Discover 's fraudulent behaviors and help to reverse their credit reporting error.
Product: Debt collection

I received a notice from Diversified Consultants, Inc dated XX/XX/XXXX ( received XX/XX/XXXX ) for a debt from a bank I don't owe money to. The amount they claim I owe is {$12000.00}. The letter listed XXXX XXXX  XXXX AND as the original creditor but xxxx the account number. 
Besides the fact I don't have personnel accounts with XXXX XXXX, what tipped me off to the false nature of this debt, it that my credit was pulled on XX/XX/XXXX and there is no debt for XXXXXXXX XXXX and non of my previous debts amount to {$12000.00}. 
I immediately began searching the validity of this Diversified Consultants, Inc and found numerous complaints about there shady practicing. Additionally, I've received local calls that do not leave messages. Strangeness.
Product: Credit reporting, credit repair services, or other personal consumer reports

These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others.
Product: Payday loan, title loan, or personal loan

Got Loan f rom company on approximately  XXXX / XXXX / 2016  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / 2016 .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / 2016  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharki ng laws, California, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be abl e to receive the loan.
Product: Debt collection

I had a credit card account with XXXXSynchrony bank  . I had a past due amount of {$89.00}. I forgot to make my payment so they constantly called me. When they couldn't reach me they got my neighbors at # XXXX XXXX XXXX ( XXXX and XXXX XXXX ) to steal my packages from XXXXXXXX XXXX. They contacted XXXX 's and told them to deny any purchases I attempt to make at the store and to force me to call Customer Protection to verify my phone number. While speaking with Customer Service at XXXXXXXX XXXX the representative asked me to verify my phone number, whether I had a cell phone or landline and if she could call me back on the number. I have shopped several times via their website and have never had to verify my phone number. 
My account balance at XXXX is {$0.00}. XXXXSynchrony bank have engaged in several illegal tactics to collect their debt. From getting drivers to lie and to spy on me. In addition, my balance was {$270.00} on XX/XX/2022. They are charging me a {$40.00} fee for the late payment.
Product: Credit reporting or other personal consumer reports

Hello I am a victim of identity theft, these XXXX accounts listed below aren't mines. I have my police report and ftc. my id as well. 


I have no knowledge or information on these said accounts. 
XXXX XXXX Wells Fargo bank XXXX