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

On XX/XX/18 I went to the convention XXXX  XXXX in XXXX XXXX. When I approached the XXXX XXXX booth, they invited me to try an under eye cream called XXXX that erased wrinkles. I was impressed : within 5 minutes my under-eye was smooth. They said if I bought their XXXX infrared skin device, they would throw the cream into the deal. I never saw a video or a complete demonstration of the device as the merchant later insisted I had, but I was told how I could use it. I purchased the XXXX XXXX cream for {$1100.00}. 

I was never informed nor were there any signs or indications around the booth that their products, including the XXXX XXXX, were non-refundable. I also could not plainly see this no refund policy on the XXXX computer screen where I signed my name. Had I been made aware of this no-refund policy, I would have thought twice about purchasing. California law ( Title 1.7 Consumer Warranties, California Civil Code 1790 ) states, Stores that do not acceptreturnsmust clearly display their policy. ... If a store violates thislaw ( CaliforniaCivil Code section 1723 ) by not clearly displaying their limited or noreturnpolicy, you canreturnthe purchased item with proof of purchase for a fullrefundwithin 30 days. 

Upon opening the the XXXX XXXX package and reading the instructions inside, I discovered a list of contraindications that included my health condition. I immediately contacted the merchant. I was told that since I opened it, they could not refund me as it was a medical device. At the time of the sale, it was never explained to me that this was a medical device, nor was there a medical professional at the selling booth. The packaging reads beauty device. I explained that I couldnt have known about the contraindications unless I opened the package and read the instructions. The merchant still refused to give me an address to which I could return the device and receive a refund. He claimed he was only a distributor with no return address. He denies my claims and refuses a return address ( the address associated with his phone number is a storage facility in XXXX XXXX. ) He said the manufacturer would only receive defective merchandise in order to repair it. 

In addition, the XXXX cream that I received as part of this purchase had no affect, and certainly not the dramatic effect I had experienced at purchase. It was not the same cream. 

I disputed this purchase with Citi Double Cash Card and submitted all the documentation they required within their time frame, including proof of XXXX XXXX return to the manufacturer, and they still refused to provide credit. They sided with the merchant 's no return policy. Now I have no product and no credit. Citi certainly doesn't advocate for the consumer!
Product: Bank account or service

On Sunday XXXX XXXX, 2015 @ XXXX I went to this bank 's ATM machine. East West Bank located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My intent was to withdraw {$500.00} However the machine did not dispense the cash! The money was taken out of my account and now this bank will not give me the {$500.00}. The woman 's name at the branch is XXXX and her phone number is : XXXX. The woman 's name at XXXX XXXX in California is XXXX XXXX ( Manager ) and her number is : XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft my information has been used to open fraudulent accounts. I am prepared to file a lawsuit at this point
Product: Consumer Loan

Lender ( care credit ) makes it hard to pay my monthly payment ( no internet payment even though they say you can the system locks you out, also the automated phone system will not allow you to make payment it will just hang upon you, then they will change min due to higher amount and when you make a smaller payment on time the lender will still charge a late fee and raise the finance fee ... 
Care credit also only gives you a small window to pay. 
You ca n't pay before XX/XX/XXXX for the next month payment and you will only have up until XX/XX/XXXX or you will be hit late fees and a higher finance fee, and claim a delinquent payments on your credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXAccount # : XXXX, XXXX XXXX ( XXXX ) -Account # : XXXX, XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX XXXX XXXX-Account # : XXXX XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXXAccount # : XXXX, XXXXXXXX XXXX-Account # : 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 an account without my written instructions.
Product: Debt collection

Equifax is reporting a tax lien on my credit report with no identifying information that this is my debt. No name, address, birth date, SSN ... .NOTHING. I have asked that proper identifying information be provided to me and it has NOT. Remove it from my file IMMEDIATELY,
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the companies in question about how they retrieve my information. I have requested the companies in question to close the accounts because they were not given permission by me and I didn't owe monies to these companies in question. The negative accounts have not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account reported in my Experian credit report. XXXX XXXX  is fraudulent account.
Product: Credit reporting or other personal consumer reports

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I was a co-signer for a loan entered in to onXX/XX/XXXX for {$2900.00} with a maturity date of XX/XX/XXXX, the monthly payments were {$98.00} per month for 35 months. This account was paid off XX/XX/XXXX ( Paid off early and in full ) While I was looking over my credit report I seen where this company had reported several late pays to my credit reports, There was never any late payments at all. Every payment was made 1-2 weeks early.
I have sent this company two letters to try and resolve this situation, and they have sent me computer generated ledger that does n't even have my name on it, It has the person I co-signed for listed at the top. I so not see this as any proof or verification that any of the payments were ever late, as per the FTC option letter from Attorney XXXX XXXX XXXX, A printout of a bill or itemized document does not constitute verification.
They sent me a copy of the contract and it does not have my correct name at the top, It has a last name that is not mine and surly was not legal at the time I signed the document.
Furthermore, After I sent the first letter of dispute, They failed to mark my credit reports with the credit reporting agencies as " Disputed '' This is a serious violation of the law.
They did go into my credit reports and change dates of the late pays after the second letter.
The first letter dated XX/XX/XXXX and was signed for on XX/XX/XXXX The second letter dated XX/XX/XXXX and was signed for on XX/XX/XXXX I feel that they have had ample enough time to research this a little better and send me copies of my canceled checks or take the late pays off my credit report or both. I do not feel that they did anything more than print out copies to send me and then did nothing more to investigate.
I have done extensive research on this company and found that they are notorious of holding onto payment and marking them late so they can get late payments from their consumers. However even though they marked my credit reports as late pays, There was never no late fees paid to this company from us
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, 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 XXXX 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 several hard inquires such as : XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. These inquires have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Good day! I am seeking help from CFPB as numerous attempts of calling our mortgage company has not resolved our issue. Considering this as fraudulent, unfair and deceptive practices towards consumers. We received tax form XXXX Cancellation of Debt from XXXX XXXX for calendar year 2022. We were initially with XXXX Mortgage and entered in a government offered COVID relief forbearance during the pandemic. After the relief period ended, the lender stated put the total amount due as deferred balance on our loan. Our mortgage was then transferred to Rocket Mortgage as of XX/XX/2022. On the mortgage statement with Rocket mortgage reflects the deferred balance which matches the amount on XXXX My question is why would we received a XXXX cancellation of debt when our mortgage statement still shows the amount owed as deferred balance? This amount is not cancelled nor forgiven. We have reached out to Fannie Mae - response received was to reach out to Lender directly. We reached out to Rocket Mortgage- no resolution - response received to reach out previous lender. We reached out to XXXX XXXX escalated issue thrice- no resolution to this matter. We are to file taxes for 2022, and we can not file the taxes unless we are clear on this matter. In my understanding, XXXX cancellation of debt is considered as income - and in this case, debt is not cancelled if it is appearing as deferred balance on our mortgage statement which we still owe. If this debt in actuality is cancelled, we need the deferred balance to be removed from our mortgage and confirmation of the same OR if the debt is not cancelled then a letter confirming that XXXX was sent in error. There are significant number of homeowners who were affected and were able to save their homes during pandemic due to help from the Government. Looking into this matter, finding a resolution and clear understanding would assist us and all who were impacted. We are requesting help and appreciate your review in this matter. Thank you Respectfully. Regards.
Product: Checking or savings account

I asked CFPB ( complaint # XXXX to investigate the reason and to require remedy to their making my account, which was a Union Bank account , accessible. 
You say that USBank has responded. 
You give no evidence of response. 
Since merging Union Bank into USBank I, and probably many expats, have no access to their accounts. 
CFPB has only copied my last two complaints rather than take any action. 
It is derelict by definition of it's charter and purpose. 
I need access to my bank account. I live in XXXX. I need something with authority to represent my circumstances and provide remedy!
Product: Credit reporting or other personal consumer reports

They sent a letter advising Section 611 ( a ) ( 3 ) ( A ) after I sent a letter that will be attached in documents. I was advised that it was based on limited amount of information regarding my dispute. I made sure my letter had the account name and number also advised Experian of what was inaccurate and incomplete on the account. Next I sent 3 forms of identification rot prove it was me including Government Drivers License, S.S. card and a bill with my name and address. they are in violation FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) - Procedure in case of disputed accuracy. ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Experian also violated FCRA 15 U.S. Code 1681i ( 3 ) ( B ) ( C ) ( 3 ) Determination that dispute is frivolous or irrelevant ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income. rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. I have reached out to the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX. 
XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts on my consumer report. I request an investigation and permanent removal of the inaccurate accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified. Immediately remove these inaccurate account from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a 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

On XXXX/XXXX/XXXX I was a victim of identity theft. I filed a police report and after a few weeks the detective that was handling my case found the person who did it and arrested them. I disputed several items by certified mail that remain due to this incident and sent it to Experian. When I received the dispute investigation results I saw that none of the Items were removed. I repeated this process for over a Year with still no results. So on XXXX/XXXX/XXXX I called Experian and asked what did they need from me to get these things off. I was told that I could send in the police report and so i did and I even had my dispute letter notarized as well as sent a copy of the letter that the District Attorney General mailed me as proof of me being a victim and the person that was arrested in connection with my case. Yet these items still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following :
Product: Credit reporting or other personal consumer reports

Columbia Debt Recovery refuses to remove unverifiable tradeline from my credit report. I have provided all motorized documentation to Comlumbia Debt Recovery but the tradeline still appears on my report.
Product: Credit reporting or other personal consumer reports

I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a alert from XXXX XXXX stating that there was a remark make on my Transunion account from XXXX services stating that my account was increased by {$200.00} between the months of XX/XX/2023 to XX/XX/2023. No missed payments were reported to that credit account. I went to the local branch on XX/XX/2023 and spoke with a representative loan specialist about the remark that was made and she looked into my account. She stated that the account on file does not show an increase in amount and the amount that was reported to the credit bureau is significantly more than the amount that I owe. She then went through my payments and stated that I did not have any missed or late payments so I also was not charged any late fees. She stated there wasn't any annual fees added to my account either so she did not see where those charges would come from. The loan specialist suggested to dispute the remark made to my account to XXXX and XXXX. She stated that she will print off my payment history if I needed to submit them to the credit bureaus myself to prove there was not an increase in my balance. My credit was negatively impacted by the remark that was made.
Product: Prepaid card

I disputed a charge of {$100.00} to XXXX XXXX XXXX on XXXX XXXX, 2017 - a few hours after the transaction fraudulent transaction occurred. After a couple of days after BlueBird 's " investigation, '' they responded by saying that this was in fact an authorized transaction and my dispute was denied. 
Independently, I was able to uncover directly from XXXX the following ( I spoke with XXXX XXXX at XXXX ) That this transaction was charged on line and was not charged by me. 
That the order number was XXXX That the order was mailed to a person that I have never heard of by the name of XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
I was specifically told by XXXX XXXX NOT to contact XXXX XXXX myself and instead this must be disputed through American Express. 
Bluebird is insisting that this is not a fraudulent transaction and they refuse to send me documentation that backs up their claim after I requested it. 

The account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN FIRST FINANCE XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS XXXX XXXX ( XXXX ) XXXX I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. 
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards
Product: Debt collection

Company has mailed, called both cells and work phones, and emailed several times from different numbers leaving messages. This company has called early in the morning as well, each time their calls are blocked they use a new number.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX  - XXXXXXXX XXXX XXXX XXXX - XXXX 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.