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

XX/XX/XXXX I made a purchase with my Chase Credit card that I was not happy with, I attempted to resolve the issue with the merchant 3 times requesting an exchange before contacting Chase to start a dispute on XX/XX/2020. My call was made on XX/XX/2020 at XXXX. I was told during the call that Chase would not file a dispute since I still had the original items purchased with the card. ( What a catch-22, I want an exchange, but can't get an exchange and can't file a dispute because I couldn't get an exchange ) I was also told I couldn't file a dispute because the phrase " We reserve the right to limit guarantee at our discretion '' was included in their return policy. So basically if you bank with Chase you can get scammed as long as you tell people your guarantee can be limited based on discretion. I was on the phone for 25 minutes while the call cut in and out and eventually asked to speak to a supervisor since I have been though the dispute process with other banking institutions before and was familiar with the process and had in my mind followed procedure before being left with the dispute process as a last resort. I was put on hold to wait for a supervisor. The supervisor arrived, and then immediately hung up. I am in complete disbelieve that Chase would so brazenly deny American consumers the a ) the ability to dispute a credit card charge and b ) the ability to speak to someone about possible resolutions. I wasn't even trying to refund a whole charge, it was a partial dispute of a receipt for a single item on the receipt so it was obvious that it was a well intended dispute.
Product: Credit reporting or other personal consumer reports

A background check was done from XXXX XXXXXXXX XXXX by First Advantage and my criminal history came back as a felony with misdemeanor in XXXX XXXX which is incorrect. I had a misdemeanor in XXXX  not a felony conviction. Also the felony with misdemeanor in XXXX is a pending charge and should be removed as no conviction and attorney is working on dismissal as wrongful arrest as was trying to report a crime. Please update this so I can get a job. Thank you.
Product: Checking or savings account

Around XXXX was stolen from my account by someone I know. I filed a police report and kept in contact with capital one offering to provide them any information they needed. They just declined my claim due to login history on my account when that has nothing to do with it and my card and information was accessed unauthorized by a former roommate. Capital one is refusing to hold up their fraud protection and conducted a one-sided investigation without seeking to ascertain more information from me.
Product: Debt collection

They never admit that they are a debt collector and that they are attempting to collect a debt. The information they have is incorrect. It lists XXXX XXXX as the employer ( XXXX  XXXX XXXX XXXX ) when my employer was XXXX. They are listing insurance that I did not have at the time I was admitted to the hospital. The insurance that I had and still have that should have covered the bill was Nevada XXXX. I called the hospital and Nevada XXXX is listed as the primary insurance. I have directed them to the billing department for the hospital and the insurance company but they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my consumer report that i do not recognize. 
The problem is after dispute of these alleged items e-OSCAR in return replied with an ACDV Automated Consumer Dispute Verification. 
My other concern is i am the consumer and by law you do not have permissible purpose to furnish anything on my consumer report without my consent. 15 USC 1681b Which i have not given. 
My identity and my privacy by federal law are to be protected and your corporations is in assistance with the violators not protecting consumers rights.
Product: Credit card

Capital one platinum card has received documentation proof from XXXX receipts. Capital one promised to refund if I supplied proof but have failed to uphold the agreement. They requested to prove that XXXX received the items back I sent a receipt from XXXX that item was shipped back on XX/XX/XXXX and reached merchant on XX/XX/XXXX. They refuse to side with consumer and protect me from fraud. I proved in writing also by the merchant itself XXXX admits in writing on XX/XX/XXXX that with 5-7 days I will get a full refund. I also supplied them proof to capital one. XXXX received the merchandise back but failed to refund. I spent a lot with this card and have NEVER disputed a charge until now. XXXX RECEIPT was repeatedly provided to capital one to prove I shipped merchandise back. I have phoned numerous times to work this out but they just immediately send a denial letter and say I have not supplied what they asked for. I have a federal document from XXXX proving XXXX was sent back and owes me for refund. {$140.00}. I used this card to improve my credit and paid 100 % of balance every month. I use this card to increase my credit score but unfortunately they do not care about protecting consumers from fraud. I am closing my account today as capital one cares nothing about the proof, evidence or maintaining a positive relationship with consumer. They are only there to profit and allow consumers to be scammed. The proof was provided and they denied my chargeback. I therefore deny my business and refuse any late payments or interest. Its unfortunate because I am out money and have nothing as I sent the merchandise back.
Product: Debt collection

I am writing for assistance with a dispute for a debt that IQ Data International is attempting to collect in the amount of {$19000.00}, allegedly for an apartment located in XXXX XXXX, Texas. This is a case of identity theft, and I am not responsible for this debt. 

I have contacted IQ Data on two separate occasions requesting a fraud packet to be mailed to me so that I could properly address and dispute this matter. Despite providing my correct mailing address, I never received the packet. When I called again to follow up, I was informed that their office would not be sending one, and instead, I was instructed to mail my own information to them. 

In compliance with their request, I sent the necessary documents via certified mail, which were signed for and received by IQ Data International on XX/XX/XXXX. Since then, I have called weekly to check on the status of my dispute, only to be told repeatedly that the case was still being processed. When I contacted their office over a month later ( XX/XX/XXXX ), I was informed that my documents were never forwarded to the dispute department, and that the dispute would only just begin to be processed. 

It is deeply concerning that, despite my continued efforts to resolve this matter, it appears that their company has been uncooperative and dismissive of my attempts to rectify this fraudulent situation. I have been met with frustration and hostility when I informed their representatives that this is a case of identity theft, which I believe has hindered the resolution of this matter. 

This unresolved debt is severely impacting my credit report, making it impossible for me to apply for any loans or credit-related opportunities. The fraudulent account is damaging my financial standing and affecting my ability to secure necessary financial resources. As I have complied with all IQ Data 's requests and have been extremely patient, I am asking for immediate action to be taken.
Product: Credit reporting or other personal consumer reports

This account is disputed in its entirety. I demand proof of debt including a complete cardmember agreement which will include any arbitration provisions or provisions regarding class actions permissibility. Every account of mine has been disputed with cease and desist notices sent to every credit which was served upon every creditor on cease and desist notices filed in CFPB complaints on XX/XX/2023. If disputed account was purchased, debt buyer must produce copies if cardmember agreement and documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has indeed violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 : Also states a consumer reporting agency can not furnish an 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.

16 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.

1681 a ( 2 ) A ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

According to the FCRA, late payments should not be reported as negative information. I have discovered multiple inaccurately reporting late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.
Product: Mortgage

Mr. Cooper is refusing to share terms of a modification agreement with me. I want to know how much equity I have and how much equity I'll get to keep. I'm being told that that information will be made available to me after they accept payments during my trial period, which doesn't end until XX/XX/XXXX. My understanding is that I get all information before I have to accept anything. That's true of ANY financial transaction. BOTH parties get to agree to the terms, and Mr. Cooper is withholding the terms.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 FNF servicing check my background and made me a hard inquiries that affect my XXXX XXXX without my permission. 
I called, I sending messages, I tried different ways to solve this because I didnt know what kind of company they are and who did for my and used my personal information.
Product: Mortgage

On or about XXXX XXXX I applied for a modification with Ocwen Loan Servicing LLC on one of my Rental Properties. All paperwork i submitted clearly told them the property was a rental property and I did not occupy the home. On or about XXXX XXXX, I was advised that I was approved for a modification and they required me to make ( XXXX ) reduced payments for the periods XXXX XXXX, XXXX XXXX and XXXX XXXX. The paperwork they sent stated that if I made the payments on time the loan would be modified. I made each prior to the due date and they were all on time and sent them Certified Mail after my third payment I contacted Ocwen and they stated I should continue to make the reduced payments and expect my paperwork be adjusted and a final documents sent to me. On or about XXXX XXXX, XXXX, I received another modification letter that said I needed to make the payment for XXXX XXXX, XXXX XXXX and XXXX.It also stated in error that I certified it was an owner occupied property. I immediately contacted Ocwen regarding the owner occupied error and payment error and they said to sign the paperwork and send the paperwork in and they would correct it. I was also told to continue making my payments. I sent the paperwork in Certified Mail and continued making my payments via US Certified Mail. Each month my payments were sent in before the due date for the following month. On or about XXXX XXXX, I received a letter form Ocwen stating they are returning my payment because it did not satisfy the Re-Reinstatement amount. On or about XXXX XXXX I sent the next payment in which crossed their letter in the mail and it was cashed. On or about XXXX XXXX, I sent another payment in which they returned. I contacted Ocwen in XXXX XXXX when I received the letter and was told they had not received the paperwork. I forwarded them a copy of the Certified Mail Receipt stating that they did in fact receive it in XXXX XXXX and they stated because they lost it they never received and to resign the paperwork and re-send it. On or about XXXX XXXX, I resent the paperwork via Certified Mail. 

Each month Ocwen sent me a loan statement reflecting a acceleration of the debt. 

I did not hear anything from Ocwen other than the above loan statements until XXXX XXXX, when the loan statement indicated I was now delinquent {$9000.00} and the loan was subject to foreclosure. Within two days, I received a letter signed XXXX/XXXX/XXXX form Ocwen saying my modification was approved. The approved modification had the page removed that I crossed out owner occupied and marked non owner occupied, and now they state the loan is delinquent.
Product: Credit reporting or other personal consumer reports

My report shows inquiries I didnt authorize. Please correct this by removing them.
Product: Debt collection

XXXX XXXX sold my debt to jefferson capital system without my written consent that identity theft
Product: Credit card

I have a Citi XXXX XXXX ( seldom used ), a Citi XXXX XXXX XXXX and a Citi XXXX savings account. In XXXX, i booked a {$5300.00} XXXX tour paid on the XXXX. A month later, the tour was canceled and the agency issued a refund resulting in a {$5300.00} credit. 

On XX/XX/XXXX, I phoned Citi and spoke with an agent who said they would process the refund to my Citi savings account in 7-10 days. 

On XX/XX/XXXX, I phoned to inquire why the refund hadn't been processed, and was told I'd see it by the next day. 

On XX/XX/XXXX, I phoned to ask again, this time speaking with a supervisor who stated that approval had taken 12 days, but the process would be completed in 2 days. 

On XX/XX/XXXX, 5 days later, I agains poke with a supervisor who claimed he had sent an expedited request to the appropriate department and he would call me in 48 hours to ensure I saw the completed transaction. He never called, and the process wasn't completed. 

On XX/XX/XXXX, I called a fifth time. This time the agent said the return had been processed 3 hours earlier, but to a non Citi account I owned. That was true, finally.

Summary : 1. 27 days to expedite a fund transfer 2. Repeatedly told : a. Agent/supervisor was not empowered to act on my behalf b. There was no one higher up in the organization that would speak with me 3. Promised a " date certain '' 5 times, only the last was true 4 Twelve days to approve movement of {$5300.00} of my money intra-bank, no external obligations No response to-date to a complaint letter sent to them. 

Closing all Citi accounts shortly.
Product: Credit reporting, credit repair services, or other personal consumer reports

this creditor put charge off on my credit after this was included in my bankruptcy and I complaint with your company and they never responded to your office regarding my complaint I want this removed from my report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am writing this complaint on my own behalf their are no third parties involved. I have been a victim of identity theft, and there are still remaining fraudulent accounts listed on my credit report that are delinquent, and have been furnished to my report without my written nor expressed permission. This is a large issue, to be presented to Equifax due to the continued efforts on my end to have each of these accounts removed and resolved at once. The accounts I have disputed these fraudulent accounts that are in my name over 7 times now and theyre negatively affecting my credit file. The following accounts on my Equifax report need to be removed : XXXX {$6100.00}, XXXX XXXX {$4000.00}, XXXX XXXX XXXX XXXXXXXX {$5400.00}, XXXX XXXXXXXX XXXX {$2300.00}. not only are these accounts fraudulent but these same accounts are reporting completely inaccurate information a crossed all three consumer reporting agency reports. It is the responsibility of Equifax to be reporting 100 % completely accurate information, and at this time, they are not doing so. This is breaking the law, and preposterously making use of my credit file to illegally furnish said accounts that ARE NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX  XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

KHOLS is in fact in violation of at least 70 federally protected consumer rights under 15 usc 1692 and also unauthorized use of registered trademark
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **all of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Over the last couple months, I have received repeated calls that show up as " No Caller ID ''. I receive such calls multiple times a day, almost every day ; they do NOT leave messages, and they do NOT identify themselves. I have attempted to answer calls received from No Caller ID multiple times, only to have the caller hang up on me. I unmasked the number using the copy/paste function on my XXXX, and " No Caller ID '' comes from the same number each and every time ( XXXX ). I have attempted to call this number in an effort to uncover the identity of my harasser, but my calls are blocked! I even paid for an online report to identify who is behind these calls, and I discovered it is a CELLULAR phone. Today, I answered such a call and was finally able to access an automated interactive menu, albeit without an option to speak with a live agent. The automated menu identified the caller as Comenity Bank. I do owe them money right now -- my mother was injured in an accident and I have been out of work caring for her since the end of XXXX. I plan to pay my balance, in full, within the next 10 days, when I receive my NC pension refund, after having left my position as a XXXX XXXX  so that I could continue to care for my XXXX mother. 

It is my understanding that repeated calls are harassment and, therefore, illegal. I do not know if the following also qualifies as harassment, but I personally find it *incredibly* harassing to have a so-called legitimate business call from " No Caller ID '', ( and from a cell phone, at that! ) as they are intentionally masking their phone number so that I can not identify them or return the call. In masking their identity, they are hoping I will be caught off guard if I answer their repeated calls, which only speaks to the aggression with which they go after debtors. Maybe this is too much information, but I was once in an abusive relationship, and I just get REALLY nervous and anxious about repeated calls from someone who is intentionally trying to mask their identity. That stress, to me, far outweighs the LESS THAN {$300.00} that I currently owe to this creditor. This company has been in hot water before, but yet continues to use predatory tactics with their consumers. It is despicable, and I will close my account the moment my balance is paid.
Product: Checking or savings account

On XX/XX/XXXX we had unauthorized charges come through our checking out, via my debit card. I was notified by text of three of these charges and marked them as fraudulent. I then followed up with the bank the same day to confirm that those charges were not going through and then they closed that debit card and sent me a new one. Later that afternoon I received a few notifications from XXXX stating that orders that I did not place had be shipped. I then called PNC back and asked why these charges still went through - they said that since it was my debit card, I would have to wait until the charges posted before I could file a dispute. 
Over the next few days I tried calling XXXX to cancel or refuse the orders that had been placed in my name and there was nothing they could do about it. The charges showed up on my account and said that the products were delivered to me but nothing was ever delivered. 

To define these charges/orders : - They all happened on the same day - at the same time - For the exact same product- in the exact same amount We filed one dispute and it took the full 90 days for us to get a response. The response detailed that 3 of the 14 charges were found as fraud but the other 11 were found as legitimate orders. The provisional credit was taken back and PNC closed our checking account AND my credit card without any notice. This is an account that all of our bills come out of, power, mortgage etc. These payments are auto-drafted and because the account was closed without notice we incurred various fees due to returned payments. 

It then took us a full 3 weeks to receive the cashiers check for the remaining amount in our account, to open a new account at a different bank, and for all of those funds to be available since it was a large deposit. 

I then filed a complaint with the CFPB regarding this situation and was placed with an agent at PNC. They filed a separate dispute XX/XX/XXXX and within 25 days we received notice that the NEW dispute went nowhere. I have provided a police report and a letter from XXXX stating that the 3rd party company that the fraudulent orders were placed with has since been removed from the platform for " quality reasons. '' In the meantime, my PNC representative stated that XXXX tried to issue the refund for the remaining funds but because they had closed our account, the funds were rejected. 

My representative at PNC then instructed me to call XXXX and see if they could reissue the refund. Since that instruction I have gone back and forth with both PNC and XXXX trying to find someone who can help, with no luck.