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

Greetings : I called XXXX XXXX customer service to purchase a diamond ring over the phone through XXXX credit card so I made the purchase over the phone and the agent took all the information needed to complete my purchase however I have not received the order since XXXX XXXX 2017 So  I have called several times to resolve the issue, so XXXX customer service response always was contact XXXX since the shipment supposed to be delivered by them so I called XXXX to report that issue so they opened the case however I have not gotten any calls from their investigation department to resolve my issue so please assist me with that Issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. I am a victim of identity theft and wrong items on my credit report need to be removed
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I sent XXXX a validation letter for 2 accounts RE : # 1 Account # : XXXX # 2 Account # : XXXX They failed to validate both of these accounts. # 1 Account # : XXXX they failed to send valid proof for this and for # 2 Account # XXXX they never even responded but continue to report this account to my credit file even though it has been past 30 days. As well as verified the account with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 names : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

This Debt Collection Company has called 16 times since XX/XX/2022, in addition to contacting family members more than once. Calls are repeated and unrelenting.
Product: Mortgage

On XX/XX/2020, I contacted chase regarding a refi and cash out of equity. 

I signed the documents and waited for the next steps. ( see attachment EmailstoChaseLoanOfficer ) I continued to plead to Chase to return my {$500.00} because a chase partner antagonized me and with in insinuation disrespected me. additionally, Their appraiser decided to cancel the appointment under 2 hours of when I was expecting him because I refuse to answer questions ahead of time. A week had lapsed and no one from Chase reached out to me. 
I spoke to someone in escalation and they also stated that I would not get the {$500.00} returned. 

Pressing to have money returned I was told to write to the Executive Office and make reference to XXXX. I wrote the letter and opted to fax it instead of mailing it fearing it would get lost in the ongoing Covid19 Pandemic ( and just about everyone is working from home and the wait times are literally hours to speak with someone ). 

However, the fax number given by a Chase representative XXXX was not a fax number and as a result my letter to Chase was not sent. I just could not deal with the frustration. I am an essential worker and have to report to work daily, not working from home - everything I had experience up tp this point was just too much and it continues to be too much. Before all the unrest across the world, I made it known to Chase of the disrespect that minority neighborhoods continue to experience but we continue to be lost in unfair practices. 

attached is my initial correspondence explaining to Mr. XXXX what transpired between myself and the no show appraiser.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I checked my credit score and one minute it's XXXX then I checked it again it's XXXX I don't know why I can't get a aquired report from these creditor 's
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2018, 60 days late as of XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$20000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Credit reporting

I am writing to report problems with the customer service provided by Equifax, which interfere with access to credit records. 

I was recently informed by XXXX, XXXX that information including my name, DOB, SSN, home address, email address, and employment information have been compromised by their system. On XXXX/XXXX/15 I mailed a certified letter to Equifax, confirming a fraud alert that I had placed by phone and additionally requesting a security freeze. My letter included a XXXX form and a utility bill that show my SSN ( on the XXXX ) and my current address ( on both documents ), as required. On XXXX XXXX I received a letter dated XXXX XXXX confirming the security freeze and indicating a personal identification number ( PIN ). That letter was correctly mailed to my correct address. 

Subsequently I received a letter from Equifax, dated XXXX/XXXX/15, confirming a change of address. The indicated address was essentially the same as my current address ( which has not changed this year ), with the exceptions of a spelling error in the street name and the city designation associated with the zip code. Although the indicated address was close enough to the correct address for the letter to reach my home, the errors would cause problems with identification questions in any future on-line transactions. The confirmation letter indicated : '' If you dispute or have questions regarding this address change ... please contact us atXXXX ... please have available the XXXX personal identification number ( PIN ) that we provided to you when the security freeze was first placed on your credit file. " On XXXX/XXXX/15 I phoned the indicated number, and spent about XXXX minutes speaking with an agent ( " XXXX '' ), a supervisor ( " XXXX '' ), and waiting on hold, but I was not able to get the address corrected. The specific problems I encountered are detailed in an Word document to be attached.
Product: Checking or savings account

XX/XX/year> {$9100.00} Bank of America have decided to close my account with no reason and is holding my funds. I have not yet to receive my funds. I have been to multiple branches and have called them into customer service where theyre attitudes are not friendly, and they are not helping.
Product: Money transfers

I sent a previous complaint on Western Union. I now tried to submit yet another transaction and have been denied again. I now have to call again and go through the same frustrating process that should have been resolved with my previous transaction. this is so frustrating to be overseas and subjected to this kind of services from Western Union. Please publish this and my previous complaint. may it will prevent other military members/veterans from going through this misery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you in advance.
Product: Credit card or prepaid card

My name is XXXX XXXX. I opened a XXXX XXXXr credit card with capital one bank in XXXX. There is an offer both online and when I applied if you spend {$500.00} you will receive {$200.00} within 3 months of account opening. I spoke to a representative from capital one on XX/XX/XXXX. I was told that I will be getting the {$200.00} bonus in XXXX. They gave me miss information and now there saying today on XX/XX/XXXX. That I will not be getting the bonus. That the worker gave me the wrong information. I spent {$1300.00} in the first 3 months depending on the {$200.00} to be coming back to me at the end of the 3 months. I was told by a supervisor that she replayed the recording of one of there staff telling me that I qualify and will be getting the bonus. I told them that they are false advertising to attract customers and that I will be reporting them. I was told because I spend the {$500.00} before the XXXX when I spoke to the representative there saying that I dont qualify even though on the website and the paper I received saying that I was pre approved showed the bonus on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a natural person, i am a living human being. I have rights under 15 USC 1681. Equifax is Govern by the 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/11 I received emails from XXXX XXXX and XXXX that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my XXXX  report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Payday loan, title loan, or personal loan

on XX/XX/22 a loan was processed in my name without my knowledge via my Citibank account. I was not aware, nor did I approve or sign for this loan. Citibank has acknowledge it is fraud and has provided documentation to dispute. The frauds also compromised my citibank checking bank accounts and stole {$1200.00}. This was all done virtually via my online citibank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ms. XXXX Mail Equifax XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent four ( 4 ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 
These accounts are XXXX XXXX Acct # XXXX, XXXX-XXXX Acct # XXXX, DOCUMENTS ATTACHED!! I 've had contact with these companies and you are in direct violation, as pertains to the XXXX account you 'll see the conversation with them ... .. I DO NOT HAVE A XXXX ACCOUNT! 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, Ms. for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 
I anticipate your response. 

Sincerely, XXXX XXXX XXXX XXXX Last XXXX DOB-XX/XX/XXXX Report # XXXX
Product: Credit card or prepaid card

For several months I stopped receiving statements from my Wells Fargo credit card. Then in XXXX, I received a statement that was forwarded from another address in Texas. On the statement were two charges on XXXX XXXX in the amount of XXXX and XXXX from a XXXX XXXX in XXXX XXXX. I have not been to XXXX XXXX in several years. I called Wells Fargo on XXXX XXXX who put me through a rigors process of proving my identity and canceling the account. They reissued a new card, but I refused to activate unless these charges were reversed. After receiving other statements still showing a overdrawn balance with fees, and being notified that my credit score dropped to the lower 600s, I contacted Wells Fargo again on XXXX. I was told that the fraud complaint was closed and no fraudulent charges were ever identified. The representative said he would try to reopen the investigation but could not promise anything. After all of the news about the corruption within Well Fargo, I  want to see if filing a complaint with CFPB would be of any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 different disputes with Equifax regarding my student loans with XXXX. I have also contacted XXXX. My payment history is incorrect I have called and have been placed on hold and hung up. My score went down 82 points in XXXX. Once I updated my account I only received 50 points back. Last week I lost another 52 points on account of student loans. 

I have also disputed XXXX XXXX XXXX collecting on behalf of XXXX university. The balance has been paid in full but they reduced it to {$300.00}. I reached out to XXXX XXXX XXXX and was told I have paid it but they were not allowed to send proof of payment. 

After 3 months Equifax continues to say they update the accounts but have not. No one is willing to help explain why my score is dropping as I have been paying off all of my debt. 

I have also requested proof of a dispute by certified letter on 3 different occasions.
Product: Checking or savings account

Opened a new US Bank Payment Solutions account and failed to receive {$600.00} bonus Approved XX/XX/2023 - Merchant ID ( MID ) : XXXX - XXXX Successfully completing the following terms : U.S. Bank is offering a {$600.00} bonus when you open a new U.S. Bank Payment Solutions Merchant Account by XX/XX/2023 and accept and settle a payment transaction within 60 days. 

First, complete an application for a U.S. Bank Payment Solutions account. 
Then, accept and settle a payment transaction into your qualified U.S. Bank business checking account within 60 days of the opening date of your payment solutions account. 
The new U.S. Bank Business Checking account must be open and have a positive balance for the Payment Solutions bonus to be deposited into the account ( within 45 days of settlement verification ). 

Settled in account ending in XXXX : XX/XX/2023 US Bank Business Center will not respond to emails or phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX retail credit. Unfortunately I had caught XXXX literally a month after. XXXX of XXXX. I reached out to XXXX and informed them of my situation as often as I could. I was hospitalized for 3 months and 4 months of XXXX XXXX. They always tried to enroll me in different programs. They are so hard to understand on the phone as it's a major language barrier between them and I. They have stated I changed my number in an email. They have sent me an email that I informed them that I'm in bankruptcy. I am not in any bankruptcy. I call them and said this is incorrect. They advised me them received information from a 3rd party. Then I just recently got a statement in the mail to make a minimum payment due by XX/XX/XXXX for XXXX. 
I disputed this with XXXX, XXXX and Equifax. All 3 credit reporting agencies have different data. This information that XXXX is 100 % inaccurate, false and damaging to my personal credit report and fico score.i have made several attempts to dispute and resolve this matter and I am exhausted. They are reporting that I've been affected by a natural disaster.. They have a noreply email so you can't dispute anything they send. When I call every person has something different to say and there is never a manager there to resolve my complaints and disputes.. but they want my money with no paperwork and or agreement. As you see the account is closed and yet they ask me for a minimum payment. I demand this account be settled as soon as possible and since the credit reporting is so inaccurate it must be deleted immediately as the credit reporting agencies have not properly disputed this account properly or accurately.
Product: Debt collection

My office was contacted by XXXX XXXX of Rab Inc. ( XXXX ) in regards to a debt that was not associated in any way with me or my company. Mr XXXX continued to harass my office with threats of liens on my property until somehow finding my personal cell number at which time Mr XXXX began to harass me through text and demand I pay a debt of one of what he claimed was my tenant in one of my buildings. 

Mr XXXX continued to threaten to lien my properties if I did not pay the debt of which I had no knowledge, association or involvement.

My attorney contacted Mr XXXX and told him to stop contacting me. I also emailed mr XXXX a cease and desist letter to cut off contact to which Mr XXXX replied " I am not a consumer debt collector sir! 
I hold no obligation to the FDCPA '' Although XXXX  shows Mr XXXX as a debt collector he refused to abide by the FDCPA and denied it in writing. In addition Mr XXXX continued to threaten my property with fraudulant liens and would not stop contact. 

XXXX and mr XXXX are acting as third party collectors for a debt. The debt is in no way associated with myself or my company. The original debtor has agreed that they do not know why RAB is attempting to fraudulently extort me by using liens on my properties as threats.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2500.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  TransUnion received my request for their method of verification, pertaining to a previous dispute. TransUnion has FAILED to provide this information within the time allowed by the FCRA 1681i ( 7 ). 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. THEREFORE THE DISPUTED INFORMATION MUST BE DELETED IMMEDIATELY PER FEDERAL LAW. enclosed is proof of their receiving my request.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX XXXX  Account # XXXX This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported
Product: Debt collection

I keep getting calls for medical debt in the name of my XXXX daughter ( XXXX XXXX XXXX ) ; however, they told me I needed to pay this debt even though it was not mine. They threatened to destroy my credit, which I had been trying hard to build.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the day of XX/XX/2023, I submitted claims out to XXXX, transunion, and XXXX. Here is my tracking numbers : XXXX XXXX, Transunion- XXXX, XXXX XXXX However the credit bureaus said the completed the investigation and everything was 100 % accurate According to the la 15 U.S.Code $ 1681a - Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, triends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowiedge conceming any such items of information. However, such information shal not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How did they complete this investigation