23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

RushCard has locked me out of my account for 10 days now and I have no access to my paycheck or student refund from my school. I am a single of XXXX and I am not even able to go to the store to by my XXXX old son formula. I am desperate and upset that I can not even take care of my children because of the technical glitch. I have called their customer service number over 100 times and have gotten hung up on, placed on hold for hours then hung up on, and told by their customer service agents that there is absolutely nothing they can do. Please help my family! I do n't know what else to do.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and the following fraudulent accounts have been identified on my credit report. I request that these accounts be blocked and permanently deleted under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX  XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$600.00} XXXX  XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XX/XX/XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Upon checking my credit report, I noticed XXXX XXXX XXXX XXXX XXXX XXXX reporting my account as not paid and even sent it to collections. I paid this card off back in XXXX.
Product: Mortgage

Newrez should be ashamed of itself, everytime I call, they ask me million questions, name, address, date of birth, last 4 of social, then they say " we are a debt collector and go on '' and then they say '' XXXX  residents have certain rights and go on '', its a torture and nothing else, their main aim is to XXXX of the client so much, that he hangs up the phone, this should be stopped, they should send a code on the phone and thats it, additionally, this is a very unorganized company, I was approved for a modification 2 months ago, after making XXXX trial payments of {$2800.00}, still whenever I call they say I am XXXX months behind. 

And further they added salt to the wound, by sending me this letter on XX/XX/year>, that I am 45 days behind on payments and my home can go on foreclosure, when I am current on all the payments. 

is this a joke or what? please see attached. 

I recently went XXXX  and this company doesn't leave an opportunity to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

In accordance with the Credit Reporting act XXXX 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 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 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 am writing to formally dispute inaccurate information that has been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, negligent noncompliance with the Act subjects the responsible party to liability for actual damages, as well as attorneys fees and costs. 

Upon reviewing my credit report, I identified the following inaccurate information : [ List the inaccurate accounts or items, including the creditor name, account number ( if available ), and the nature of the inaccuracy. ] I have already attempted to resolve this matter through previous disputes and communications ; however, this incorrect information remains uncorrected. This failure to ensure the accuracy of my consumer file and take reasonable steps to investigate and rectify the errors constitutes negligence under the FCRA. 

To resolve this matter, I demand that you : 1. Conduct a reasonable reinvestigation into the disputed information, as required by law. 
XXXX. Provide me with a detailed response regarding your findings. 
XXXX. Correct or delete the inaccurate information if you are unable to verify its accuracy. 
XXXX. Provide me with an updated copy of my credit report reflecting the necessary corrections. 

Failure to comply with these legal obligations may result in legal action seeking statutory damages, actual damages, and any other remedies available under the law. 

I expect a written response within 30 days, as required by the FCRA. Please send all correspondence regarding this matter to the address listed above. 

Sincerely,
Product: Credit card or prepaid card

In XX/XX/2020, AMAZON featured a new XXXX laptop for purchase through a third party marketplace seller. But its seller sent me a " refurbished '' unit worth hundreds less instead. I complained to AMAZON and it suppressed my feedback. It also gave no support in return process. SO it was returned on XXXX to AMAZON 's warehouse and USPS said it was delivered. But Amazon refused to communicate again. Instead, it deferred my refund requests ; {$1400.00} charge was disputed at CHASE VISA. At CHASE, its Disputes area reversed charge, anonymously slanted communications to exclude key facts, and pretended Return Policy controlled transaction from getgo. CHASE came back AMAZON 's false inference that my original order for NEW was fulfilled. Instead of acknowledging my feedback to contrary, it anonymously rambled off AMAZON ' order record, tracking record, delivery record, etc, while falsely asserting its order fulfillment evidence justified the charge for alternative item ; hence, I was found responsible for charge on review. So I tried CHASE executive branch for review, but got nothing in terms of a reply except COVID 's got us down, see you later. By focusing on false inferences created at AMAZON in Dispute area, CHASE de-emphasized my timeline of events and completely glossed over the fact that AMAZON never disputed a wrong item was sent to begin with. CHASE behaved as if order was fulfilled, so full charge was warranted. If you send the wrong item a full refund is immediately due. It sketched over my return to shipping address given and delivery status for XXXX XXXX XXXX XXXX XXXX XXXX. Instead of advocating for me in AMAZON 's fraudulent activity that my card is supposed to protect against, CHASE skirted my attempts to reach out to its executive team and clarify what the facts are here.
Product: Payday loan, title loan, or personal loan

I started receiving collection notices from a bank I have no business with and called to inquire. 

I discovered someone had opened an account in my name and purchased goods totaling {$1700.00} through the XXXX XXXX XXXX with TD Bank and TD Retail Card Services. I don't use TD Bank, have no XXXX products, and have never done anything with the XXXX XXXX XXXX. 

As soon as realized this I called TD Bank to report fraud and place a hold on the account. They instructed me to submit a written complaint which I mailed and was received by TD Bank on XX/XX/2023. 

On XX/XX/2023 I received a letter from TD Bank describing they denied my fraud claim on the basis of provided recipes from the merchant to a free online email account that used my name in the email address ( ex. XXXX ). However, this is should not, and does not qualify as sufficient evidence that it was not fraud. Anyone can open a free online email with any email address. I now need to speak with the fraud and risk specialist again to further prove this was fraud even though I had already called, provided information, and placed a freeze on the account.
Product: Mortgage

I currently have a home mortgage with Wells Fargo of XXXX XXXX, Iowa. 

Several years ago I was about 7 months behind in my monthly payment due the death of my son and incurring a large amount of expenses in legal and funeral costs. 
Wells Fargo Mortgage offered to allow me to refinance the home mortgage loan so I would not lose my house. I was 7 months behind. 

My current monthly mortgage payment is {$1200.00} with XXXX interest. 
My current mortgage payment records show the following : Principal {$43.00} Interest {$320.00} Escrow {$860.00} Total amount due monthly {$1200.00} My unpaid principal balance is {$66000.00} Please take note : My maturity date is XX/XX/XXXX What has happened? 
Why could my home mortgage be considered paid in full in 36 years? What kind of loan and hidden expenses have I been paying. This seems to be illegal and unlawful.
Product: Credit card or prepaid card

I am a senior citizen and went to a XXXX office in my area to have them do a routine check up on my wife 's XXXX. They only did two XXXX XXXX, yet I received a bill for {$14000.00} dollars for services she never received or we agreed for. The XXXX office opened up a credit card in my name in order to pay for these services without my permission or consent. I do not speak good English, and they deceived me of the services we would receive, and I never received any receipts or copies of anything until I received a bill in the mail from the credit card company. I tried to resolve the billing issue with the XXXX  directly, but they were charging me {$9000.00} for an XXXX that took 1 hour of time. 

I have tried calling the card company numerous time to close the account and have fraud reported, but they continue to tell me its closed and they have not resolved anything.
Product: Debt collection

I 've reported these people before. Called at XXXX XXXX. 

Here 's the message they left : This message is for [ uninteligable ] regarding file number XXXX This is XXXX XXXX XXXX now serving final legal notification. Failure to respond within the next XXXX hours will result in you forfeiting any and all rights for about restitution. Your case will be forwarded out to your local jurisdiction to be prosecuted to the fullest extent allowed by state law. If you wish to prevent legal action is imperative you contact the filing department at XXXX [ message ended ].
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I tried to retrieve dispute results and view my credit report on Equifax 's website to find out that Equifax has blocked me all access to my dispute status and my current credit report from its website. Prior to me filling a complaint with the CFPB everything worked totally fine. 

I filed a complaint with the CFPB on XX/XX/19 because Equifax refused to address fraudulent data on my credit report. Equifax has constantly ignored my request to remove inaccurate information and now has punished me to be able to view my information real time because I filed a complaint against them.
Product: Debt collection

Everyday around the same time about XXXX a.m. I get a phone call from either a man or woman and it's always the same man or woman attempting to collect a debt I have repeatedly asked him to stop calling me and I get rude or remarks or hung up on
Product: Checking or savings account

So to begin, on XX/XX/2021. I initiated ( Sent ) a XXXX XXXX p2p ) payment of {$950.00} to a family member as a loan to help take care of some bills she had owed money on using my personal bank account at CAPITAL ONE. Usually when sending money from my bank to someone, it typically arrives to the receiver with in minutes, as it is something that I also often do without having to deal with any know issues. However, this time around not only did it take more than a few minutes to arrive to the recipient, it has also been a TOTAL OF 27! DAYS! Since Ive initiated this payment and the money have still not been received by my family member. We have both spoken to our banks about this issue, on her end she was told by her bank that they have authorized the payment to be released in her account but however, my personal bank CAPITAL ONE have refused to let go of the funds that I sent. Ive spoken on the phone with an agent from Capital One on exactly the date XX/XX/2021, I was told on the phone that since it was an XXXX payment the transfer was already made and they could not cancel it neither return the funds, but I was told that I can dispute the transaction which was I what I did and I was told the very same day via email that We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didn't find an error.. Almost a month later the recipient still hasnt received the payment of {$950.00} that was i sent and was told by their bank that they have seen the transfer transaction but has not received the money from my bank.
Product: Credit card or prepaid card

I had a credit card with Citibank that I originally got to so my Dad could have a credit card to use if he was in a tough situation ( he had relatively poor credit for a while so he couldn't get a lot of credit cards ). After a while, my Dad 's credit improved so neither him nor I used the card a lot, and thus I wasn't checking the statement often. Around XX/XX/XXXX, the card was hit with a fraudulent charge from an online vendor, and since neither of use used the account and thus weren't actively checking the statement, it accumulated a late fee due to a charge being put on the card that neither of us knew about. I told Citibank that the charge was fraudulent and wanted to dispute it and that I should have the late fee taken off since it was an honest mistake, and if they wouldn't take off the fee, I wanted to close my account. 

Citibank representatives then told me that if I wanted to dispute the charge, I could not close my account. They later agreed with me that the charge was fraudulent and removed the charge from account in XXXX of XXXX. Even though I didn't want the card anymore, though, they forced me to pay the late fee and keep the account active so I would have to pay an annual membership fee of {$100.00} ( which they charged to me literally on XXXX XXXX of XXXX ). 

I paid the fee on XX/XX/XXXX, but then was charged with a late fee of {$25.00} and an interest fee XXXX on XX/XX/XXXX, even though I paid the bill on time and thus should have accumulated neither of those fees. 

I then began trying to dispute this with Citibank. I would spend hours on end trying to speak with representative over chat, but they kept on saying they had high chat volumes and thus could not have an employee speak to me. Even though I would try at least 1x a week for the next two months to talk to an employee, they charged me two more late fees over the coming months and reported me to collections, which caused my credit score to decrease by over 50 points, from XXXX to XXXX. 

Finally, I relented and paid a late fee of {$88.00} on XX/XX/XXXX and had them close my account for good. I was able to get through to an employee via phone and asked them to contact the credit agencies to explain their mistake so my credit could be restored. They then told that I had to mail a letter to a random PO Box in South Dakota to ask them to look into it, and I could not call or email anyone, but had to send a letter. 

The whole process was incredibly deceiving and that Citi was both forcing me to keep my card and was inadequately responding to me, and knew, based on chat messages I was sending ( that I was given no response to ), that I wanted to dispute the late fees. Additionally, Citibank sent me to collections for these illegitimate late fees, then told me I have to send a letter and can not email or phone anyone to get Citi to fix this. I asked why it is I have to send a letter and they said " this is just the process. '' I asked if they are making me send a letter to dissuade me from contacting them and they did not deny this, again repeating that " this is part of the process. ''
Product: Debt collection

I was notified by Americollect that I owe XXXX dollars. When I asked for proof, they gave me no proof of me actually owing the debt. Instead they attempted to get me to give them info to " confirm the debt '' I would not, they have contacted me too many times without giving me information that confirms my debt. They are not licensed to collect in my state, they therefore have no right to even collect the alleged debt that I do not owe.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX bankrupcy However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX5 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Debt collection

I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Product: Checking or savings account

I received a solicitation to open a checking account and receive {$200.00} after 3 direct deposits totaling {$500.00} a month were made. I opened it on XX/XX/XXXX and the deposits of social security benefits were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX I called Wells Fargo customer service and was told they had no information regarding a {$200.00} bonus offer. I then went to their branch in XXXX XXXX CA with proof of the offer ( attached ). They spent one hour of my time scrutinizing the offer and expressed disbelief that it was genuine. It was very humiliating. I left without any confidence they would ever provide the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an another medical bill from collection agency, but the same amount ( {$1000.00} ) is in my credit report ( before collection agency company was Nationwide recovery system XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. Tel XXXX activity XXXX XXXX XXXX XXXX  ). Today collection agency company is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MN XXXX tel XXXX activity XXXX XXXX XXXX ( collections ), the original bill was charged on XX/XX/2017 for medical service, but this bill wasnt mine, it was someone name on it.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I'm now dealing with brown and Joseph they are flat out ignoring me. Won't return my calls or emails. And claim I'm ignoring them. I can prove ive reached out. They are trying to force it into court. They are the 3rd or 4th agency I've delt with on the matter. Non of the others or them have been able to send me proof this debt is mine. So kinda don't think it is. Or they would have just sent proof instead of playing XXXX games attached is just one of the emails I sent. i also sent emails to XXXX which took a couple tries to get the spelling correct I also mailed in responses. and called and left messages. so I find it hard to believe that they didnt get any of my responses
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern today 's date is XX/XX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XX/XX/2021 that I do have an account with XXXX  XXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my experian, XXXX and XXXX. Which again I did not apply for any new cards with XXXX XXXX.