23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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
Product: Mortgage

In XX/XX/2019 we were being 2 or 3 payments in our mortgage. With Mr. Cooper. I tried to make a payment. It was returned to me. I was notified. That I can no longer make payments to my mortgage account. So, I applied for a modification with them and sent everything. They just had it paused. Now in XX/XX/2019 I got a letter that they are starting the foreclosure process. And I have email after email and phone calls saved when Ive tried to contact them to try to make payment in these past few months. I get no responses.
Product: Debt collection

My name is XXXX. I got out of a very abusive marriage, including financial abuse. Part of that abuse was my ex husband opening credit lines in my name without my consent, then not paying the bills. I was unaware of this until I left him because he controlled the mail and money. Most of this has been taken care of, but there is one line of credit still on my credit report, originally from XXXX XXXX originally for {$6800.00} in XXXX of XXXX, and sold of to Credit Corp Solutions. The balance is now {$7100.00}. I have filed a police report on all 3 fraudulent lines of credit and the XXXX XXXX XXXX XXXX XXXX is investigating my ex for identity theft and fraud. 

I have relayed all of this to Credit Corp and sent them all the documentation they required showing this is fraud. I also sent them the police report, which specifically names this loan as fraud. Since then, I haven't heard a peep out of them. They will not return any contact, and their threats of legal action evaporated. However, this ding is still on my credit, negatively impacting it. The only response I have received since sending them the police report back in XXXX is today I received a generic " call customer service '' email. Other than that, nothing.
Product: Credit card or prepaid card

we purchased set of tables from Rooms to Go XXXX Tx. on XXXX XX/XX/XXXX, upon delivery we noticed table was damaged we ask the delivery personal to take it back but he said we will bring replacement back tomorrow, we waited for a week but no replacement arrived, then we called the store they said wait few more days we will send your replacement, after several weeks of waiting we visited to the store and spoke to the manager, who said they are unable to get a replacement and have issued us a refund credited back to the card. But the card issuer synchrony bank never stop sending us the bill, we contacted them twice over the phone and explained about the refund, than XX/XX/XXXX we send them a dispute letter in writing than XX/XX/XXXX they replied they will resolve with in 60 days but as of today XX/XX/XXXX nothing was done by the Synchrony bank we are still receiving bill from the Synchrony bank, please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$880.00}, XXXX XXXXXXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that are effecting my credit report tremendously! I would like them remove because I was not inform that they would have an effect on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WA, XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX WA, XXXX XX/XX/XXXX XX/XX/XXXX XXXX TX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX MD, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX UT, XXXX
Product: Checking or savings account

Have been an Ally Bank customer for nine years, with checking and savings accounts in good standing. 

-- - XX/XX/2022 : Received a postal letter from Ally, " RE : XXXX Notice of Account Closure '' dated XX/XX/2022, which states that my accounts will be closed " on or about XX/XX/2022. '' No reason given, other than referring me to the Deposit Agreement. There is nothing in the agreement other than they can close any account at any time for any reason. 

-- - This sudden closure gives me only 5 days to change banks and transfer my funds. Note that their first class postal letter arrived EIGHT DAYS after they wrote it. If they had simply used their secure email messaging service, I would have had ample time to comply. 

-- - XX/XX/2022 : I sent Ally a message via their website, requesting the reason for closure and pointing out the lack of sufficient time to change my bank. I pointed out that I had read the Deposit Agreement but was unable to find any more information about this closure. 

-- - XX/XX/2022 : I applied to XXXX XXXX  to open a new account, and await their review of my application. 

-- - XX/XX/2022 : Via my XXXX account, I requested a cash transfer amounting to the total funds remaining in my Ally account. Such transfers have never been an issue, although it can take a few days for the funds to clear. 

-- - XX/XX/2022 : Ally replied, but offered no explanation for the closure and simply referred me back to the Deposit Agreement ( I had already explained that I had read it ).
Product: Credit card or prepaid card

OnXX/XX/2023, I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX. I did not satisfy with the product, so I initiated a return to the merchant around XX/XX/XXXX and was provided with a label - XXXX. 
After a long time, the tracking was not showing any updates and the merchant did not provide any answer, I was trying to work with XXXX to seek for the item, ultimately, I had to filed for Chase dispute. This whole process span from XXXX until the beginning of XXXX. 

The initial dispute was under investigation until XX/XX/XXXX, I received the item back from XXXX. I immediately contacted the seller to seek for resolution and if I can return the item the second time. 

I was assured from XXXX  XXXX that they can initiate a second return, which they did, and provide me with a new return label - XXXX. I returned the item using the new label provided by the seller on XX/XX/XXXX with the drop off receipt. 

On XX/XX/XXXX, Chase notified me about the verdict of the initial dispute, which I did not re-dispute at the time because I was trying to work with the seller. The seller confirmed that they have received it on XX/XX/XXXX, and assured me that they would provide the refund as soon as possible. 

The process of working with the seller and the conversation go back and forth until XX/XX/XXXX, the last message I received from the seller, in which they stated they would escalate the refund process however they never did. 

At this point, I contacted Chase dispute team and ask for the process to reopen the dispute, I was assured on multiple occasions that occasion that I still have time to re-open the dispute up until XXXX XXXX  118 days after the transaction date. I sent Chase a letter to request re-opening the dispute - tracking XXXX - and was delivered on XX/XX/XXXX. Not until XX/XX/XXXX, Chase started to re-open the dispute. 

The second dispute investigation took place from XX/XX/XXXX to XX/XX/XXXX, this is when Chase notified me that they closed the second dispute in the seller favor, although I already provided proof with tracking number that I returned the item back to the seller. When I called and ask Chase dispute team, they told me that they could not see the tracking number which ending in XXXX from XXXX due to its being over 120 days. 

However, when I sent Chase the letter to reopen the dispute I already included the new tracking number as well as the conversation I had with the seller. In which they received the item and stop responding to my message. When asked Chase dispute team told me that there are nothing Chase can do about the dispute at this stage, although it doesn't indicate to me that they received the updated information even though I included it in my re-open dispute letter request. 

I provided Chase with the conversation between myself and the seller which took place between XXXX and XXXX, with the new tracking information XXXX, indicated that the seller have received the item, yet Chase still concluded that the charge was valid when I, the customer, have returned the item, and still have the charge on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries on my chex system report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Debt collection

I went to purchase a XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX. I was approved to purchase the minivan, but I was curious as to what showed up on my credit/debt. The financial manager showed that I owed {$790.00} to XXXX XXXX XXXX XXXX and the debt was sent to a collection agency known as I C systems. I contacted I C systems and they told me the account information associated with the account. The phone number was under XXXX and the email was for XXXX. Neither of these are associated with me nor do I know anyone with that information. I want to have this removed from my debt to improve my credit score for better rates and approval for a future home.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Equifax Information Services, because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. My file has also been merged with someone born XX/XX/XXXX, This is a violation per FCRA. Equifax, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This has caused me tremendous XXXX, stress, and financial hardship.
Product: Debt collection

I have been receiving repeated calls after repeatedly trying to remove my name and number from this debt collection agency. In violation of the Telephone Consumer Protection Act ( TCPA ) makesit illegal to solicit sales to cellular devices, via call or text message 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). This company has called me 27 times since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with XXXX by XXXX XXXX XXXX and was sent to XXXX XXXX for collection. They only gave me last XXXX digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.
Product: Credit card

I applied for a card and was approved for a Destiny Master-Card by XXXX XXXX XXXX XXXX Theres a substantial fee which I knew about. Within 3 days it was on my credit report including {$170.00} due. I now have the card but they wont unblock my account so I can activate the card and use it. Their computer didnt like my address to send me and let me activate the card but it liked it to approve me for a credit card
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to ask for your help with a problem that is affecting my credit history. My XXXX report shows a negative account, which is the only one I have I already reported it a while ago to have it reviewed and removed, but so far no changes have been made to my report. 
This account is affecting my credit score and has prevented me from moving forward with important procedures that I need to complete, For this reason, I ask young please delete this account immediately so that I can continue with my negotiations.

According to the law 15 USC ( 1681 ) ( o ), credit agencies must ensure that the information in the reports is correct. By not correcting this error, they are failing to comply with that obligation, which is causing financial problems and delays. 
I await your response and am available for any additional Information you my need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provide sufficient information, as required by the FTC, by providing an ID Theft affidavit from the FTC website which i registered and logged the ID Theft related accounts. I am a victim of identity theft and my information was used fraudulently to open various accounts without my consent or permission. I have contacted chex systems making them aware of the accounts and inquiries relating to identity theft and per FCRA 605B, advising them that they have 4 days to block those identity theft related accounts. and they are refusing to do so. they are asking me to provide a police report and i advised per the FCRA regulations the report alone from the Federal Trade Commission is sufficient enough to block the items marked as identity theft. being a victim of identity theft, I feel that chex systems is violating my rights as a consumer and causing adverse and negative impact on me as a consumer by blatantly refusing to honor federal law under FTC guidelines. They are knowingly reporting accounts and inquiries that are marked as fraud due to identity theft and are pro-furiously refusing to remove and block these accounts from my report.
Product: Checking or savings account

This complaint is in response to the closed entry for Bank of America. 

They went on and one about this and that and NEVER address the REAL REASON why we filed this complaint. 

Let 's get something straight. The and I will say this for the last time before I instruct my legal team to start litigation against Bank of America. 

No one is talking about the validity of the charge. It's for the very reason why I had to file this complaint with the CPPB. Bank of America is not LISTENING.

These claims are based on NO SERVICES OR PRODUCTS was received. Stop avioding what we have told you since day one and address that issue. 

Furthermore, the documentation that XXXX sent BOA is flawed. Again, those documents DO NOT demonstrate our team receiving the documents or service we PAID FOR! 

We are sick and tired of trying to explain this issue to BOA. They are talking one thing and we are claiming something entire different. So we will file this complaint again until they address the XXXX  issue of the claim. And we demand our full {$6000.00} as we did start complaining about XXXX in XX/XX/XXXX. 

We have attached the flawed or no good documentation that XXXX presented. And BOA did not even give us an opportunity to response to this fraud. 

And XXXX is stating they are not responsible for vendors they present to the Public. If this was a XXXX company, that statement would not fly. 

And we REFUSE to give them more time because this issue can been going on since XX/XX/XXXX. My lord, that is over months. Every time they mention 90 days, they move the ball further. They told us XXXX in XXXX of XXXX and we are about to go in XX/XX/XXXX. 

This is down right ridiculous. 

Until they address the Product and Services not received, this complaints should not be closed.
Product: Credit card or prepaid card

Apple Credit Card, using Goldman Sachs are asking for people to pay their debt and when the systems do not allow you to, they are directing you to a phone number that asks if you have been affected by Covid and want to delay payment press 1. If you want to continue, press 2.  Pressing 2 errors out and says the number isn't valid. I brought this to the attention of Goldman Sachs support person who would not address the issue. I was unable to pay with the card, because I had closed the account and deleted the app. In order to pay, the only option given was through the app or phone. Both systems down? This is not an accident, the largest tech company and one of the largest financial institutions are pushing people to claim clovid not to pay. This is FRAUD.