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

I purchased a refrigerator from Home Depot in XXXX, I got a delivery of the item on XXXX XXXX, 2020. It was a XXXX refrigerator with ice maker, it takes 6-8 hours for the ice to make, it was defective out of the box. I was told if anything isn't working to report within 48 hours. Which I did, I was promised it will be swapped with another product. After changing few delivery dates, I had the non-working refrigerator replaced with another. The second one came damaged, the freezer door would not open once you load with frozen items. It had something broken in the sliding wheels, I do not know. I was again promised the store will swap, this one took way much longer. The product was out of stock. Then Finally XXXX XXXX, I received my refrigerator, the 3rd one works, it came with a missing part on the door but the manufacturer has promised to ship it. 

With all this time Home Depot was very helpful with helping me out. Home Depot did what it could to help but the store credit card which is by Citi Bank is charging me interest and finance fees from XXXX. I have called many times and the customer service refused to reverse the additional finance and late fees posted on my credit card. I like them to remove it and I am happy to pay for the product I purchased, but, without the fees. 

Please help. 
Thank you in advance. 
XXXX
Product: Checking or savings account

On XX/XX/year>, I attempted to close a checking account with a balance of {$0.00} over the phone with Huntington Bank. They refused. On XX/XX/year>, I travelled to the Huntington Bank Branch at XXXX XXXX XXXX XXXX to close this account. The bank employees attempted to close it due to the balance of {$0.00}. In the process of closing it, the bank generated a new charge of {$5.00}, which prevented the closure of the account. The bank employees could not explain what caused this charge, though they suspected that it was related to a fee for mailed paper statements. This fee is applied on the XXXX of each month, so I attempted to close the account before this date. In any case, the employees could not verify the reason for the charge, nor would they remove it. *They were explicit that the charge was generated as a result of the attempted account closure. * They advised to drive back another day or travel to another branch. I am moving out of footprint and could not take this step. Nor should I be expected to do so to avoid a fee for closing an account with no balance on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent Equifax breach, they failed to adequately secure my social security number driver 's license information, date of birth, address, and all other related information that someone would need to steal my identity. Equifax has breached over 100 million people 's trust due to their lack of care and security concerns. I am now faced with the consequences of their inability to adequately protect the information that they have in their files. At minimum we should be allowed to have our information deleted from the system. I am not going to suffer a potential Financial loss if someone uses my information as it has been confirmed my information was breached by Equifax. I will also suffer a loss due to me having to now pay for my credit reports to be monitored. I can not trust their systems.
Product: Credit reporting or other personal consumer reports

XXXX Please be advised, per my conversation with XXXX XXXX customer service supervisor, XXXX ( XXXX ), and customer service supervisor XXXX XXXX XXXX ) that there is no further recourse of action that can be taken for TransUnion not reporting either credit cards on the consumer credit reports, when the consumer 's information was verified and sent to TransUnion to update credit reports with each account number respectively. The supervisor stated she will notate the account and was advised to contact TransUnion. I spoke with TransUnion customer service rep, XXXX XXXX, and was advised that the accounts in question can not be disputed because it is not reflected or reported by the creditor for previous dispute # XXXX. I was advised to contact XXXX XXXX for further assistance. I requested to escalate the file and was given case # XXXX. 

The following accounts are not reporting to my TransUnion credit report : XXXX XXXX XXXX XXXX  ( Authorized User ) - Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Additionally, according to the FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V, generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

As stated by my TransUnion credit report, most of my XXXX XXXX XXXX credit cards and co-branded cards are reporting, except for the above accounts mentioned. Please review and update my TransUnion credit report with each credit card information accurately.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My identity was compromised and to see someone is using my identity/ credit for their own personal gain. My identity was also breached on the web / black market.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since graduating from school in 2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.
Product: Credit reporting or other personal consumer reports

I demand that the following items be excluded from my consumer report on the basis that is the past the statue of limitation, per Texas Law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

The List of inquiries reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra inaccurate information ftc filed
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with inefficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX has unlawfully reported late transitions to the credit bureau XXXX that is affecting my credit.
Product: Checking or savings account

Back in XX/XX/XXXX of XXXX I made a return with a merchant for the amount {$610.00} the merchant refunded my money on XX/XX/XXXX and it went back into my account, then XX/XX/XXXX Wells Fargo without my authorization withdrew an additional {$610.00} from my account, made my account overdrawn and I was stresses about it for days and I was on the phone with them for HOURS and finally when I asked how that happened the person on the phone said " I don't know '' that was it no apology no explanation
Product: Student loan

XXXX XXXX and XX/XX/2019 Fed Loan marked me down as 30 days late. 
-I disputed this because I was on a deferment. Instead of fixing it, they marked me 90 days and 120 days late -I have tried disputing this since then and they DO NOT fix it. 
-I have documents on my loans that show I was on a deferment and should not have EVER been marked late. 
-This is ruining my credit and am trying to buy a house and they have dragged this on forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I completed a dispute of an account in collection ( {$1000.00} ). The account was not verified within 30 days and was promptly removed from my credit report in XX/XX/2018. I check my credit monthly and upon checking my credit today ( XX/XX/18 ) I was alerted that the collection account had been re-inserted under the collection agency : Diversified Consultants in the amount of {$1000.00}. It is required that I receive notification of any previously deleted item being re-inserted on my credit report. I have received no such notification. Please have this deleted immediately.
Product: Debt collection

Hunter Warfield Inc. called my wife and me about a rental property debt. I submitted a request for confirmed proof of this debt on XXXX XXXX XXXX. The letter was delivered on XXXX XXXX  at XXXX XXXX  according to my tracking ( # XXXX ) from the certified mail receipt from the USPS XXXX I never received anything from Hunter Warfield and now this collection shows up on my Credit report.
Product: Mortgage

We were the sellers and we were set to close on the house on Friday XX/XX/19. On Wednesday XX/XX/19 the loan officer forgot to have a closing document signed by the buyer, which is required to have 3 business after the signature, in order to close! Tuesday XX/XX/19 was the 3rd business day. We get a clear to close from the buyer but now were told signing wont happen until Wednesday XXXX. So now 3 different families have been waiting a week to close and 1 family has been XXXX this entire time. Does American Pacific care? No!! Wednesday morning comes, we are physically at the signing table, the buyer is not clear to close anymore?!? The buyer sits at the title office for 9 HOURS! on Wednesday waiting for closing paper work. Meanwhile, no one is getting a call back or any kind of communication from American Pacific!  Neither the buyer or us, the sellers. Any communication we do receive is someone passing the buck and blame on someone else. No answers to why these closing documents were not ready or being sent. 5 times this happened!! We demanded calls back. That never happened! Worst customer service in the United States!! We did not close until Wednesday night at XXXX local time and this was only done on Wednesday, because the title company stayed late for us, waiting for these documents. Otherwise it would have been pushed to Thursday.
Product: Credit reporting or other personal consumer reports

The below inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i did not authorize anyone from this company to check my credit or run a credit check on me
Product: Credit card or prepaid card

It has come to my attention that whenever funds are deposited into my account on your platform, Cash App, notifications are sent to companies to initiate charges on my card. Furthermore, despite the issuance of a new card after reporting it stolen, unauthorized individuals have managed to make charges using the previous card number. Additionally, it appears that companies continue to charge my card whenever I make a deposit. 
{$2.00} XX/XX/XXXX XXXX  {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3.00} XXXX XXXX XXXX XXXX  {$3.00} XX/XX/XXXX XXXX  {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3.00} XX/XX/XXXX XXXX  {$8.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Going back into last year. I will give rest of dates going back into XXXX upon request. 
I have reached out to Cash app several times. They do not answer phone and nothing is getting done. I am ready to take this issue further.
Product: Credit card or prepaid card

I took a no interest payment plan through XXXX XXXX that went to Wells Fargo. My monthly payments were supposed to be {$73.00} each month. Each and every month I paid {$100.00} toward the loan. I then began to get late notices from Wells Fargo stating that no payment had been made. So I made additional {$100.00} payments. They charged me a {$38.00} late fee and a {$1.00} minimum interest charge for a number of months. They initially waived some of the payment fees because they saw that I was making larger than expected payments and the payments were made before the payment was acutally due. They now tell me that I can not pay the amount early since their " system doesn't handle payments that way ''. I believe in the State of Wisconsin a bank can not charge for paying EARLY. I view this charge of a late fee and interest charge as a fee charged because I prepaid this account. No one at Wells Fargo seems to understand that. I will attach copies of two bills showing the late fee and minimum interest charge. I have a spreadsheet of payments I've made to Wells Fargo since the middle of 2020. I want Wells Fargo to REFUND ALL fees charged to my account, report my payment history as such, and comply with the law in the State of Wisconsin.
Product: Credit reporting

I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a plumber? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track XXXX.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted XXXX the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via staples, was defuncted and took new capital investors to maked good, but only ater lost of service.. we bought ddition protection thru nh mall XXXX store XXXX this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX in XXXX XXXX CSR for XXXX knew and promised corrective action ... we got bill saying it was pas due on exac same day to our XXXX XXXX a collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Companies and Experian on several occasions via certified mail and regular mail requesting validation of this debt. The company responded sending me a itemized bill from the hospital however a HIPPA release form was never signed by me authorizing release of protected heath information to XXXX Companies. They did not send me proof of that or that they are legal business associates of the medical provider. I do not have or ever signed a contract with XXXX Companies and a itemized bill is not validating the debt. One can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. XXXX Companies and Experian are in violation of the FCRA due to not properly validating the debt by providing the requested documents. Experian did not properly validate the debt and left it up to the creditor to provide a generic XXXX response. I have attached the letter i sent requesting validation as well as XXXX companies   response with a itemized bill attached which does not properly validate this debt.
Product: Debt collection

I settled this debt in full on XXXX/XXXX/15 after a settlement agreement was reached. I was told the lien would be removed from my home and 42 days layer the lien is still in place and I continue to show a balance with this company. XXXX is the debt collector and Citibank was the original creditor. I will upload receipts and emails and the settlement offer indicating this debt is paid in full
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT. 

Several disputes have been mailed to the credit bureaus with no response at all. 

Your lack of accountability is XXXX! False information in my credit report XXXX XXXX XXXX. Unsubstantiated claims insult me. Accurately report or remove allegations. 

Listed below are the Collections that are being challenged XXXX - XXXX I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX XXXX XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction. 

XXXX - XXXX am invoking my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), asking for an exhaustive investigation into these inaccuracies and their subsequent correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank sent me a letter letting me know that have made a business decision to forgive my debt and to let the consumer reporting agencies to remove the negative item off my credit report. I 've sent the letter to XXXX on XX/XX/2017 they have responded with the account was updated Not removed.
Product: Credit reporting

Hi, American Express Credit card Reported my credit Bureau NEGATIVELY and hit with XXXX Point down and i do not know why!!! I oay bill in time never had a late payment with them, my account has a good standing even they can tell you that. So please make a good investigation with them. 
Also i Attached picture for my credit report with XXXX and XXXX report for whta they did. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Student loan

I have worked for the XXXX XXXX XXXXXXXX  for over XXXX  years I have submitted the required payment to my servicer Mohels a total of 5 times and my student loans have not been discard as the rules state inn the presidents plan for loan forgiveness I don't understand if they have the required information have reviewed it and on their website they state I have stop working for my employer on XX/XX/2023 and I presently still with the XXXX XXXX XXXXXXXX  going on my XXXX year.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. Additionally, I filed an identity theft report with the FTC. 
I urgently request the removal of these accounts. Your prompt attention to this matter is greatly appreciated. I apologize for any frustration conveyed in this message. The errors on your part are causing significant financial difficulties for me, and I implore you to rectify them swiftly. Thank you for your understanding and assistance. Now, I am disputing the information that should not be appearing on my file. 

XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX.