23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a sofa set and a table in the amount of {$1700.00}. The sofa was not in good condition. I contacted the Card company which gave me a temporary credit for {$1700.00} until matter was resolved. I later informed the card company that my issue was only with the sofa set, not the table. The card company then issued an additional temporary credit for {$1400.00} ( which excludes the table ). The furniture company retrieved the defective sofa from my home on or around XX/XX/XXXX and gave me a credit of {$1300.00}. On XXXX, the furniture company gave me an additional credit of {$110.00}. On the XX/XX/XXXX and XX/XX/XXXX statement, the card company reversed the {$1700.00} credit and added it to the bill statement as a purchase. On the XX/XX/XXXX to XX/XX/XXXX statement the credit card reversed the {$1400.00} credit and added it to the statement as a purchase. I am asking the card company to remove the {$1700.00} as a purchase. With respect to the XXXX, it should no longer show on my bill as a purchase on my statement. All I owe is approximately {$290.00}. I have made several calls to Citi Bank but no help. Yesterday Citi Bank hung up on me. 

My billing statements should not continue to indicate that I owe both {$1700.00} and {$1400.00}. The furniture store has credited my card {$1300.00} and {$110.00}. I ask the Card company remove the {$1700.00} and the {$1400.00}
Product: Credit card

My consistent effort has been to ensure timely payments on this account, preventing any instances of being overdue. I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.
Product: Debt collection

I am filing a complaint against this company because they are reporting this account on my credit report that was opened fraudulently in my name. This fraudulent account is preventing me from obtaining a home loan which I am currently under a purchase agreement contract that expires on XX/XX/2020. If this contract expires and I don't close on the loan by XX/XX/2020, my Earnest Money Deposit will be forfeited. I am hoping that it does not result to that because I can't afford to loose money especially during this pandemic. I am simply asking for this company to investigate this fraudulent account and have it removed from my credit report immediately and within a reasonable time. This is now my 3rd time trying to get this account resolved by this company. If this is not done in a timely manor and I am forced for forfeit my Earnest Money Deposit because this company didn't remove an account from my name that was opened due to identity fraud then I will be filing a lawsuit for negligent enablement of identity fraud and for the damages I have incurred. I have filed an identity theft report and requesting the removal of this fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  to address this issue. The case number is :  XXXX .
Product: Debt collection

These accounts do not belong to me. I am requesting that they be removed from my credit report.
Product: Debt collection

The collection Agency has engaged in false and misleading practices violating FDEPA 807. Additionally, they have provided a form violating FDEPA 812. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

No one was answering the phone to assist. I need to either edit the bank information for my friend in XXXX  or cancel the transaction but neither of them are there for the option. My money is already out from my bank and the bank acct number is not working for the international transaction. So I need help!
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with a Chase National Bank in a branch in XXXX, Arizona. They checked my credit and found I had a good credit score, so they opened a checking account and issued me a debit card. In order to forego the monthly charges for this checking account, the Accounts Manager suggested I allow them to notify Social Security ( SS ) and have them automatically deposit my checks into Chase 's account. I was warned, there would be a delay in receiving my Social Security checks into this new account. I was also advised this is normal with the Social Security Administration and not to look for my money in this new account for about a month. 

In addition, I had XXXX XXXX automatically deposit the royalties I received from a book I wrote, copyrighted and published in XXXX of XXXX. I was having my royalties electronically sent to my checking account with XXXX however, unbeknownst to me at the time, XXXX did not authorization to receive these royalties, under the Federal Reserve guidelines for International ACH Transactions ( IAT ). Chase Bank has this authority to receive International ACH Transaction ( IAT ). I only recently became aware of XXXX 's shortcomings. So, in XXXX of this year I opened a checking account with Chase because they are located about four blocks from my residence. Four years of not receiving royalties has been very frustrating for me. 

On XX/XX/XXXX, I received a letter from Chase advising me that, " after careful consideration '', they will be closing my account on XX/XX/XXXX. Other than their " careful consideration '', there was no justification for them to take this action. 

I answered their letter explaining, that if they didn't want me to have an account with their bank, they should have not allowed it to be opened in the first place. By opening this account and at the advise of their New Accounts Manager, changing my Social Security deposits to Chase Bank eliminates the monthly service charge but would take approximately up to a month for this to take effect. This would not be a problem for my SS check would still be sent to XXXX. 

However, cancelling my account abruptly this way, without allowing enough time to notify SS of this change, I do not know when or how long, SS would be able to get my checks to me. I may have to wait months until it is restored. Chase Bank had no justification to arbitrarily and capriciously close my checking account and put my SS check beyond my reach for an unknown period of time. I am XXXX years old and I need my Social Security money to survive.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Was previously contacted by XXXX via text message I told them to stop all electronic communications, and I would only accept communication via US mail. XXXX has ignored my request in violation of violation of state XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act and sent me an email after I had requested communication only through US Mail.
Product: Credit reporting or other personal consumer reports

I contact TransUnion on XX/XX/year> for assistance with regaining access to my account. My account was tied to an old/closed email account and I needed to update the information so I could dispute an item on my report that I was viewing on XXXX. 

I reached out via chat and the chat agent " XXXX '' kept giving me overseas call center phone numbers to call. I asked for a supervisor who could give me an American call center number, but they were also unable to help. I was in the chat for over XXXX minutes. I was transferred to XXXX and another country in my XXXX calls and was told that 'We are an international company and there is no call center in the US . '' As an identity theft victim, this makes me feel very uneasy and I am not going to do that. The chat supervisor suggested setting me up to receive an incoming call within " 3-5 days. '' I declined and stated that I don't answer unknown incoming calls, nor do I provide PII to someone calling my phone. 

I don't mind verifying myself, but I should be able to talk to someone in my country to do that. I was never offered an option to do this. I find it concerning that this company who collects all of my most personal information farms all of the governance of my data to these XXXX call centers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I made a report to CFPB about Credit Bureau Equifax not following company guideline, by failing to delete inquiries that was on my credit report after receiving proof that they deleted it. In the report their response was the item will be deleted. On XX/XX/2021, I called Equifax to ask why the inquiries wasn't deleted. their response was rude and stated there is nothing that can be done. Down below I added documents of my proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : APPLIED BANK, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : 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 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.

15 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.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$560.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX {$0.00} XX/XX/XXXX EXPERIAN : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$5300.00} XX/XX/XXXX DEPT OF EDXXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX Account Number : XXXX XX/XX/XXXX DEPT OF EDXXXX Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX Account Number : XXXX XX/XX/XXXX DEPT OF EDXXXX Account Number : XXXX XX/XX/XXXX DEPT OF EDXXXX Account Number : XXXX XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX {$0.00} XX/XX/XXXX DPT EDXXXX Account Number : XXXX {$0.00} XX/XX/XXXX DPT EDXXXX Account Number : XXXX {$0.00} XX/XX/XXXX DPT EDXXXX Account Number : XXXX {$0.00} XX/XX/XXXX DPT EDXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

the accounts mentioned with this company does not belong to me nor did I have knowledge of the accounts the dates XX/XX/18 in the amount of {$1000.00}. I've sent over police report that states I am a victim of identity theft and the accounts still remain on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 someone tried to take out a loan using my information with XXXX XXXX  XXXX/XXXX. i have tried numerous times for XXXX to send a letter to me and the credit bureaus to get this hard inquiry off my credit report and XXXX agrees it is fraud and states they have sent letters to me and the credit bureaus, but no one has received them. i have to have this letter to remove it from my credit and no matter how many times I call XXXX nothing gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were caused by FRAUD. I did not make any transactions relating to these matters.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason. I have contacted them by live chat and also by call, but they are not providing any explanation on what went wrong so my account is being closed. All the documents provided are legit ( ID proof and Bank details ), also I'm ready to provide further documents if required. They are not cooperative and supportive in order to solve this issue and get back my account. I feel they are not customer friendly so I could report here as it is affecting me a great deal as I have to use PayPal quite frequently. My email linked to my PayPal is " XXXX ''. Please help me to recover my account as soon as possible. This will help me a lot. Thanks
Product: Mortgage

My mortgage was acquired by Freedom Mortgage on XX/XX/2021. I was not advised of this transfer. With the original lender, approximately {$470.00} of each payment was credited toward my Principal each month. Freedom Mortgage, however, is only crediting {$3.00} per month toward my Principal thereby unreasonably and illegally extending my mortgage indefinitely. Also, it appears they are not applying my payments toward my escrow for taxes and insurance. I've tried communicating with them about my payments, however they have not responded.
Product: Checking or savings account

We opened XXXX accounts with Ally Bank : a personal savings account and a family trust account. XXXX minor deposits and XXXX large deposits were made to each account. The XXXX large deposits were the result of property sales and closings. Thereafter, we attempted to send several wires for the purchase of other properties as well as add a " linked '' account for my brother so we could make payments to him. None of the wires were sent out and the bank account addition caused the account to be flagged for fraud. Both my wife and I then provided all of the documents that the bank required to prove we are who we say we are including our licenses, social security, pictures of us holding our IDs, and utility bills. We did that and the bank, after several lengthy phone calls, is continuing to restrict our access to our money and our account. This is our life savings and they are playing games. They initially told us it could take up to 3 days and now they are saying 30. They will not give us the almost {$1.00} XXXX back. 

We have not only complied with their requests, but have followed up multiple times and have spent hours on the phone only to have no resolutions whatsoever. Today, the customer service representative, in so many words, told us " they would decide what they would be doing with our accounts '' and they sent us to a voicemail box with no other foreseeable resolution. 

We owe money we can not pay and missed two property closings due to Ally Bank holding our money hostage. We just want our money back and to be done with this bank forever. This action on their part is irreparably harming us financially and causing extreme emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

called XXXX and let them know they ran my Equifax credit XXXX times on multiple days on XXXX different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report. I spoke to XXXX different supervisors in the loan department at XXXX and was told they had a system issue. I recorded all the calls because I have a XXXX. I filed a lawsuit against XXXX XX/XX/2023 with XXXX XXXX because my credit report was by the loan department. I am demanding the credit inquiries be removed because XXXX claims that they couldnt process the loan. I contacted Equifax and was told I need a letter.Equifax said inquires was verified.How can you verify something if XXXX inquiries where ran for a single application.I gave XXXX multiple chances to fix the problems now I filed a Small Claims court lawsuit because XXXX refuses to send letter to or Equifax to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call XXXX the automatic system says a pending application and will have response in XXXX days.It is now going on XXXX months XXXX keeps sending the file to credit card dept when it is personal loan.My issues are still not being addressed so I am providing a copy of my Equifax credit report and lawsuit that was XXXX XXXX has the paperwork waiting process they are backlogged.This is going on too long and I feel like XXXX is picking on me. Everytme I call in XXXX staff keeps hanging the phone on me.I called the XXXX police department got them involved as a mediator because I have severe Mental health.XXXX is not taking me seriously because they keep sending my file to the wrong department when I keep telling them it is a personal loan application.My file keeps getting closed out with these generic letters when it very evident that the people in XXXX office is not paying attention so that is why I am filing the lawsuit because getting super stressed out.Equifax keeps sending response letter stating XXXX is verifying inquiries are accurate when they not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have # 3 XXXX Accounts that have been active since XX/XX/XXXX. All # 3 posted to my Experian as New Account on XX/XX/XXXX. This has caused a decrease of 70 points. 

Due to XXXX XXXX, we are still experiencing hardship. Payments have always been made on time. 

Just last month I received my first 30 day late report that was added to all # 3 accounts, that then was posted to my account on XX/XX/XXXX showing NO payment history for any of the # 3 accounts. 

Shows # 3 New Accounts with a 30 day late payment. I called asking for a resolution to these accounts and why did they report to my Experian almost a year later with no payment history listed. No response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my XXXX and Experian credit report that I'm not familiar with and did not consent to, here is a list of the unauthorized inquiries : XXXX XXXX XXXX/ XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX/XX/XX/XXXX, XXXX XXXX XXXX/ XX/XX/XXXX , XX/XX/XXXX, XXXX XXXX/ XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX   XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at my accounts since 2014. XXXX, XXXX, experian.
Product: Credit reporting

My debt with XXXX XXXX XXXX was discharged in bankruptcy in XX/XX/XXXX. They have since begun reporting the account on my credit as a derrogatory account with inaccurate dates and a balance due as of XX/XX/XXXX.
Product: Mortgage

I requested a reduction in my mortgage interest rate about two years ago as I was paying and still paying 6.875 %. My mortgage was initially with XXXX XXXX XXXX in XX/XX/XXXX. 
The mortgage was switched to Nationstar around XX/XX/XXXX. This was done without my agreement. I have tried on several occasions to re finance my mortgage to a lower rate. In addition I have been invited by Nationstar to contact them regarding refinancing. On each occasion my request was rejected on the grounds that I did not possess a SSN. In addition I was prevented from gaining access to my account as I did not have a SSN. I reported the problem to a number of SSN on line managers and on each occasion I was told that new restrictions in the law prevented them from assisting me. I have tried to get accesss to their senior management and to no avail. I understand this company is a debt collector and as I have never faltered on my payments to XXXX initially nor to Nationstar as I have sufficient earnings to pay my monthly sum. I am at a loss as to why I do not have a right to gaining a lower rate. My credit ration is excellent and I have sufficient liquidity in the mortgaged condo to ensure I offer no risk to my creditors. In addition Please can you assist me.
Product: Checking or savings account

I have a Wells Fargo Debit Card. I took out {$60.00} from an ATM. There was a {$3.00} fee for taking money from a non-Wells Fargo ATM. However, Wells Fargo has also hit me with a {$2.00} Non-Wells Fargo ATM Transaction Fee and another {$2.00} NON-WF ATM BALANCE INQUIRY FEE. That totals {$8.00} in fees for taking cash from a non-Wells Fargo ATM.