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

My experience with the store XXXX XXXX in XXXX has been the most infuriating and I was tricked into getting a Home Depot credit card. My boyfriend and I recently purchased a house and needed a washer and dryer. I already have a Best Buy credit card and they had a promotion for 36 months interest. We were going to purchase them from Best Buy, but when we went into this store on XXXX/XXXX/XXXX, we were informed by an appliance employee that if we applied for the Home Depot credit card, we could get {$600.00} off a better ( and more expensive ) XXXX set and the next day was the last day of the sale. I was also informed that delivery was typically 2-3 days. The next day, after I got approved for the credit card, I came back to the store to purchase the XXXX set. After about an hour and a half the same appliance employee could not figure out why the {$600.00} was not being deducted. Another 30-45 min goes by and he tells me he finally figured out that the {$600.00} only applies to the washer and dryer if we purchased all kitchen appliances as well. Heartbroken that now Ive fallen in love with this XXXX set, I ask to speak with a manager. The manager only speaks with the employee over the phone and agrees to take {$350.00} off. When he comes to perform an override on the system for {$350.00} off, he is on his phone and does not even acknowledge my presence. All in all, after being at this store for almost 3, maybe 4 hours and paying about {$300.00} more than my budget, I was ready to get out of there and finish painting my new house. Instead of the normal 3 days, I didnt get my set until 6 days later XXXX/XXXX/XXXX. They showed up with a XXXX set so I refused the delivery. I went back into the store and spoke with the delivery manager. She said she could try to find the sale price on the XXXX set so I waited again for about another 30-45 min. She said she could give me the sale price for the XXXX set but she couldnt give me the additional {$350.00} off. I again waited to speak with a manager. This time the department manager said he couldnt take {$350.00} off and he was off the day I made the original purchase. He stated that he would not have approved the discount if he had been working that day. He did not offer any solution to the problem, and didnt care that his associates were misleading and giving out incorrect information to customer. After getting my refund, I left with no washer and dryer and only the feeling of being tricked into a Home Depot credit card.
Product: Mortgage

Wells Fargo Home Mortgage dba as America Servicing Company is put on notice to produce sufficient documentation proving they have the '' right to foreclose. Proof of documentation established through proper assignments of forms showing original wet ink contracts not copy of contracts forged by MERs. Again I am respectfully demanding that the Wells Fargo Home Mortgage dba America Servicing Company bank show Deed of trust Chain of title full legal servicing of loan full accounting of loan All equity in property Refund of all money submitted for payment by me on this account made Payable to I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they have and can not produce the original note because they have securitized the mortgage which is illegal they are committing fraud and perjury. I want to see an official wet ink signature showing where I signed for the loan. This bank has commited fraud on several accounts.Again I am respectfully demanding that the bank show Tila agreement, show the sources used to assign this loan I was bamboozled and a victim of predatory lending. 

A complete statement proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan and or loans Deed of trust Chains of title full legal servicing of loan full accounting of loan money from day of origination to this present moment day and time. A valid proof of claim. 
proof and view of my wet ink signature on mortgage note Chain of ownership of Loan original statement form XXXX on this account I believe that Wells Fargo Home Mortgage dba : America Servicing Company are not the owners of the note and they do not and can not produce the original note they are committing fraud and perjury. Please arrest these people for fraud. 
Please arrest these people for fraud. A full copy of all United States Postal mailings dates through mail. All USPS checks/money orders returned to me. I am requesting these all my payments be returned to me. A payment was made to this account in the form and a USPS money order and it has not been applied. This is a felony. This bank has been fined for predatory lending and violation of federal law, false reporting by the FTC and I have not received my funds from the settlement.All money returned to me in the form of money order. All these documents must be produced and notarized and must state under the PENALTY OF PERJURY.
Product: Credit reporting or other personal consumer reports

My personal information was used improperly to conduct these inquiries on my personal credit report. I have not completed these. It has made my life very hard, and detrimental trying to navigate with these on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit reports I have been disputing with no luck. 

XXXX XXXX XXXX XXXX/XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to file an identity theft claim and have included that file.
Product: Checking or savings account

On XX/XX/XXXX I attempted to use my physical debit card to book a hotel room to stay at while my home is being worked on, and my card was declined. I went on the app to see what happened, and the charge said it was declined because there was a restriction on my account. I contacted support and they said they were doing a XXXX  day review on my account by law, and I won't have access to my account or money until the review is completed. I have contacted support dozens of times about this, asking them why my account is being reviewed suddenly and why they restricted my account while the review was being done, because I have never heard of this happening anywhere else. I got no answers, only generic responses about how they understand my frustration. I feel this is all retaliation due to me having to file XXXX disputes this past week. Turns out both disputes ended up resolving on their own. I also paid them a fee for premium services that I have no access to as well.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$2600.00}
Product: Credit card

XXXX XXXX XXXX XXXX XXXX violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the XXXX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). 

XXXX assigned the disputed {$35000.00} to Zwicker & Associates on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to Zwicker & Associates demanding a VALIDATION OF DEBT. I never received any validation of debt from XXXX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). 

XXXX sued me using the debt collector firm. Zwicker & Associates PC, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is Social Security which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. 

XXXX and Zwicker and Associates violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. I do not owe XXXX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.
Product: Debt collection

CAPIO PARTNERS is reporting acct # XXXX on my XXXX, XXXX, and XXXX credit reports. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to original creditor listed called XXXX XXXX XXXX, XXXX, to release my private, confidential medical file to a third, UNKNOWN party. Any reporting of this debt to the credit bureaus without my signed permission to share may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I request immediate DELETION of the erroneous collection account from my XXXX, XXXX, and XXXX credi reports.
Product: Money transfer, virtual currency, or money service

I need help in recouping my rent money from ChaseXXXX XXXX My landlord advise me that as of XX/XX/2021 I would be able to send him my rent money through XXXX. On XX/XX/2021 I sent my rent through Chase via XXXX {$1500.00}. On XXXX XXXX, XXXX I received a call from my landlord asking me where was my rent money. I told him I sent it via Chase/XXXX XXXX XX/XX/2021. He said he did not receive it. I confirmed his email address and realized I add an extra letter to his email & that is why he did not receive it. I contacted my bank immediately and they sent an claim dispute to XXXX. The correct email is XXXX and I accidentally sent it to XXXX - I added a " XXXX '' to the email address. I did my own research on email XXXX and no results came up. I even sent an email to this email address pleading to please send me back and money and no response. I have contacted Chase numerous of times and they said there is nothing they can do and that I have to take it up with XXXX. I contacted XXXX and they say since I did not submit this transaction through them directly I have to take up this matter with my bank Chase. I'm being tossed back and forth and no one seems to be able to help me retrieve my rent money of {$1500.00}. I even told them I did my own research and told them that this is not a valid email and where did my funds go. No one can not help me. This is a lot of money to just throw away accidently. Please can you help me. The case # that chase opened and closed is XXXX. They will not open another dispute to advise me where was these funds deposited too and to whom. I have attached the information of my research on the email address of XXXX and there is no activity on this email.
Product: Credit card

I had at one time four different retail credit cards with Synchrony Bank after Synchrony Bank purchased those assets from GE Capital. Since then, Synchrony Bank has closed out one of my credit cards in which I never was late, and they lowered my credit limit on three of my other credit cards despite me not having any late payments or delinquency. I think their business practices are unfair and unreasonable. I have read many online forums where these business practices have been commonplace with them. I want to file a formal complaint against Synchrony Bank for unfair credit practices and credit reporting.
Product: Debt collection

Last year my father, ( XXXX XXXX ), had XXXX XXXX installed at his house. The first bill he received was in my name, we scratched my name out, put his name in place of mine, he wrote a check sent them the bill. We called and told them that this account ( XXXX ) was his and not mine. The guy that I talked with assured me that the next bill he got would be in his name. It was not, they sent it in my name ( XXXX XXXX ) again. We called back, once again was assured that it was in his name. Every bill we got was in my name not his.We have sent letter after letter, made phone call after phone call to XXXX XXXX regarding this matter, but they are dead set on making me pay for someone else 's bill. I have never had XXXX XXXX  in my life. But now they have turned this over to a collection agency ( XXXX XXXX XXXX ), which in turn put it on my credit report dropping it over a XXXX points. I have filed a dispute with all three credit bureaus. I am at my witts end, dealing with this matter. I talked with a lawyer and he said my best action was to file a dispute with all three credit bureaus, and contact this office. I should not have to pay for anyone else 's bill. Now I guess I am stuck with a bill that is not mine on my credit report until the year 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 Name : XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : 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 crime 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, credit repair services, or other personal consumer reports

I have contacted Lowe 's on several occasions about a credit inquiry that was placed on XXXX XXXX, 2017.  As soon as the inquiry was placed on my XXXX credit report on XXXX XXXX, 2017, I called the company that evening for the first time to let them know that I had not applied for a credit card with them nor did I authorize anyone else to do so. I was advised I would have to wait 7-10 days before I could dispute this with them to see if I was approved for their companies card, I again stated to their representative that I did n't apply for the card and did not want it. I have a credit freeze place on my report, therefore I would n't apply for anything. After 10 days passed I contacted the company again, they said to wait 30 days for them to do an investigation on their own, that it could take up to 60 days. I again contacted them and they said that they could not remove this unauthorized inquiry from my report even tho I did not apply for it.
Product: Credit card or prepaid card

We purchased furniture through Raymour and Flannigan and received a 0 % interest promotion. When we signed the paperwork we were never read a truth in lending disclaimer telling us we would be charged the entire amount of interest if it was not paid in time. We signed where they told us to sign. I called TD to inquire about this and was told that we get statements and emails that outline the promotion with a specific end date. After talking with TD we were told that our paper statements were cancelled and looking at the emails they never mention an end date and a charge of built up interest. The lady at TD also said that it is noted on our account page but the problem is we don't use the website to make payments. We make phone payments that never outline the end date. Neither do the emails we receive monthly. 

By hiding this information from us we had no way to know the promotion came to and end and that we would be hit with {$900.00} or interest. We want to pay off the account in full without the added fees. By not disclosing the proper guidelines when opening the loan, cancelling our paper statements and not including this information on emails sent this is predatory. There was absolutely no way for us to know until it was to late.
Product: Debt collection

I sent a cease and desist letter to Bridgecrest on XX/XX/XXXX to which they've disrespectfully ignored my request and sent the entire letter back to me. I stated I wanted them to remove all negligent and embarrassing information, which they did not, nor did they send a check for the punitive damages they've caused. Is Bridgecrest above the law? Why do they get to operate above the law? How will they be reprimanded by the CFPB?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my several attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I was a victim of fraud by a company by the name of XXXX XXXX XXXX, who fraudulently opened up credit card accounts under my name and my wife XXXX XXXX 's name without our authorization. In fact, she wasn't ever present at the location or ever signed any documents. 
I was convinced to go to a lunch meeting at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I was convinced to become a member and enjoy of their discounts on hotels. They used fraudulent tactics to convince new victims, like lying about the discounts and even offering alcohol while giving their presentations. 
At the end of their presentation, they approached and basically forced me to sign a contract where they had me add my wife 's name ss # so she could also enjoy of their supposed benefits. In the contract, I made an initial payment of {$350.00} with a debit card, and installment payments of the same amount every month, but when they tried to charge the whole {$10000.00} to my debit card it declined. So, XXXX XXXX XXXX representatives during their presentation, used my and my wife 's information they had available to fraudulently opened up credit cards with Barclays Bank.
Product: Checking or savings account

This is regarding CFPB complaint XXXX and the PNC representative XXXX XXXX XXXX XXXX ). 

I told her multiple times that I am unable to speak over the phone and that I can communicate via email. She refuses to communicate questions and responses via email with complete disregard to the Americans with Disabilities Act. XXXX insists on communicating via phone calls. 

XXXX refuses to make any accommodations to communicate via email.
Product: Debt collection

This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, Portfolio Recovery Associates put it back on my credit report. They are trying to collect a debt from XXXX XXXX that is not owed and they should not be reporting it to my credit file. I have a police report! 
This situation emerged since my personal data is cherished to thieves, and Portfolio Recovery associates are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of Portfolio Recovery Associates C.E.O. As  a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth. 
Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from XXXX XXXX. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If XXXX XXXX approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits. 
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!