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

Chase Sapphire offers Extended Warranty protection. 

I filled a protection for my cell phone purchased on XX/XX/XXXX. The manufacturer warranty expired 1 year later, around XX/XX/XXXX. 

In XX/XX/XXXX the phone started having issues with charging and screen going off and on. 

I contacted XXXX, they confirmed the warranty expired on XX/XX/XXXX ( actually later than I expected ), and there is no service centers - the only available option now is a full replacement. 

I filled the claim on XX/XX/XXXX and attached all required documentation, including XXXX 's document informing the above. On XX/XX/XXXX I also sent an email customer service at XXXX asking how to proceed. This specific email was never answered. 

On XX/XX/XXXX, I received a reply to my claim, asking for a diagnostic from an authorized repair center. Note that I had already submitted the information that there are no authorized repair centers, information provided by XXXX. XXXX even provided a reference number for this information : XXXX. 

On this same day, I wrote to the official customer service email at XXXX, stating that it was already attached that there are no service centers. Once again, as usual, no reply has been received. On XX/XX/XXXX, I wrote again asking for a reply and again, as usual, no reply has been received. 
In all occasions that I sent email asking for assistance, I receive an automated message saying I'll receive a reply in 5 days. It never happened. 

On XX/XX/XXXX, I finally received a reply. The reply simply stated I need to attach a device diagnostic from an authorized repair center. I replied again with the information that there is no authorized repair center, XXXX doesn't offer that according to them. 
It's already XX/XX/XXXX end of the day, and as usual, no reply has been sent.
Product: Credit reporting or other personal consumer reports

In accordance to the fair reporting act these creditor have violated my rights under 15 USC 1681 SEC 602 I have the right to privacy 15 USC 1681 604A SEC 2 it also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. XXXX. XXXX. Mo. XXXX. My. Compliant is. lack of consideration of positive. accounts not being reported on my credit report. Also. XXXX credit bureaus is conducting a promotional program called XXXX/XXXX  youre score which 4 of my associates have tried 8 times and failed to. accomplish. The program is fruad and designed to gain customers for there Credit. Repair Program
Product: Debt collection

Account was opened by my spouse in my name without my knowledge or consent. 
Opened XXXX XXXX, XXXX, currently the status of the account is open, responsibility individual, with a balance of {$1000.00}. 
Original account XXXX Diversified Consultants, INC is the current debt collection agency. On XXXX XXXX, XXXX I filed to dispute debt with XXXX through the XXXX XXXX website.
Product: Debt collection

Repeatedly have asked XXXX XXXX to remove and send me information when account was opened, how it was opened, who opened and signed for card. They have no information.
Product: Checking or savings account

This is the 3rd or fourth complain I am filling with this bank. I had travel out of the country back in XXXX and prior to that had contacted the customer service online to inform them. While overseas, I used my card twice in the ATM. When i checked my online statement after returning., I saw that I was charged international ATM, Fees, and other fees. I had asked the representative if i could use my card and what other fees i should expect, I was told it would just be the ATM fees since its not my bank 's ATM. yet I was charged other fees. Secondly, I am constantly charged overdraft fees, Often I would check for my account and know I have funds available and would still get charged. Sometimes i get charged double the fees. I understand the terms of having overdraft protection, but I feel this bank uses that to their advantage to overcharge customers. Its almost like a punishment. The government needs to look into it. its becoming an issue.
Product: Checking or savings account

I have a line of credit with Bank of America, which has had a XXXX balance for several months. I applied for a mortgage with another bank, and when they checked my credit scores, they found that Bank of America had reported my line of credit delinquent, with a balance due of {$5.00}. My BoA online banking app still shows a XXXX balance on that line, I was never notified of any charge or delinquency. This error on my credit report caused me to miss out on a mortgage refinancing that would have saved me {$10000.00} a year. I tried calling BoA but couldnt get a human on the phone.
Product: Credit card

The indigo credit card company did not allow me to know the limit when I was looking for a new card. It was not until it arrived that they gave me the amount approved by the company. I NEVER ACTIVATED the card. Now they don't want to close the account. I don't even have the card. I don't want this on my credit.
Product: Payday loan, title loan, or personal loan

I was notified by my credit monitoring service of an inquiry on my credit report by Santander bank. It turned out to be a loan applied for at their bank I did not apply for a loan at Santander or any other bank in over 2 years. Ive tried contacting the bank via phone on multiple occasions but keep getting transferred from on department to the next They dont offer email contact
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Several listed accounts are incorrect, and it's unsettling for me.
Product: Credit reporting or other personal consumer reports

Hi, there are a lot of errors being reported on my credit report which has been really frustrating. You keep on ignoring and disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer. This is causing a lot of problems in all aspects of my life, it's taking a toll on my mental health as my new credit applications gets denied due to your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed a block on my credit report making it unavailable for verification. I have faxed over and mailed my State ID and Social Security number and it has still not been fixed.
Product: Credit reporting or other personal consumer reports

This account states date opened XX/XX/XXXX No data provided for this account in since XXXX of XXXX to XXXX of XXXX. 

THEN ALL OF A SUDDEN OUT OF NO WHERE STATES THIS ACCOUNT IS IN COLLECTION OF XX/XX/XXXX. 

THIS ACCOUNT IS OUT BY TIME XX/XX/XXXX IS THE 7 YEAR DROP OFF MARK. 

IN ADDITION, THIS IS NOT MY ACCOUNT! 

PROOF MY ACCOUNT PROOF STATUS OF ACCOUNT PROOF WHY THIS ACCOUNT ISN'T DROPPED OFF AFTER 7 YEARS OF BEING ON CREDIT REPORT.
Product: Checking or savings account

Subject : Request for Refund of Overpriced Fees and Unauthorized Account Opening Dear Bank of America, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to bring to your attention an issue I recently discovered regarding my account with your bank. 

Upon reviewing my financial statements for the year 2021, I noticed several instances of overpriced fees being charged to my account. These fees were not in line with the terms and conditions that were agreed upon when I initially opened the account. I kindly request that you thoroughly investigate this matter and refund me the excessive fees that were charged. 

Furthermore, I was deeply alarmed to discover that an account was opened without my consent or authorization in 2021. This unauthorized account raises serious concerns about the security of my personal information and banking transactions. I expect an immediate explanation regarding how this could have occurred, as well as an assurance that all necessary measures will be taken to prevent such incidents from happening in the future. 

In light of these issues, I kindly request the following actions from your esteemed institution : XXXX. Conduct a thorough investigation into the overpriced fees charged to my account and refund the amount that exceeds the agreed-upon terms and conditions. 

XXXX. Provide a detailed explanation, including all relevant documents, regarding the unauthorized account that was opened in my name without my consent. 

XXXX. Ensure that appropriate security measures are in place to safeguard my personal information and prevent any future unauthorized account openings. 

XXXX. Ameliorate any damage caused, including potential harm to my credit and financial standing, resulting from the unauthorized account opening. 

I trust that Bank of America, as a reputable financial institution, takes these matters seriously and seeks to resolve them promptly and amicably. I appreciate your immediate attention to this serious issue and your cooperation in rectifying the situation. 

I kindly request a response to this letter within 30 days of receipt. Please address all correspondence related to this matter to the contact information provided below. 

Thank you for your attention to this matter. I am hopeful that we can resolve these issues swiftly and amicably, maintaining a productive and mutually beneficial banking relationship. 

Sincerely, XXXX XXXX [ Your Contact Information ]
Product: Student loan

I tried paying through my bank account in the Aidvantage XXXX, but my payments got rejected XXXX. It gave me a message saying " XXXX XXXX '' and that something with my bank account information was incorrect. I also tried to pay via phone, but I could not do so. I tried calling, and a representative said that they were unable to locate my bank account. My bank account numbers are correct, and no charges have been made to my bank account on behalf of the company.
Product: Checking or savings account

XXXX XXXX XXXX  account opened in CA, someone e-signed using my signature and identity. Have notifications, paper of it too. 
XXXX XXXX XXXX XXXX  reopened in ME again after my accounts was closed to do with fraud, theft, forgery, other companies filed complaint on my behalf after witnessing the issue in person. 
Someone opened a money saving account with XXXXXXXX XXXX XXXX  on my credit Karma account, who did that before mail theft, fraud started, sent to me the card, I cant access the account and money on my accounts.
Product: Debt collection

I continue to receive collection calls from Cawley & Bergmann from XXXX in XXXX, Texas. They refuse to advise what the call is pertaining and I have never received any type of notification vial mail or any other venue of delivery from this agency, other than repeated calls.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXXXXXX XXXX XXXXXXXX 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 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 card or prepaid card

Macys Department store 's XXXX Department failed to issue a refund due to customer for a duplicate order made in error by their ordering department back on XX/XX/XXXX. The duplicate order consisted of 6 XXXX chairs that were sold by a third party supplier, shipped by XXXX and delivered to our residence. The total for the order was {$930.00} of which {$850.00} was the subtotal for 6 chairs, {$130.00} is the shipping fee titled " fee '' on invoice, tax was XXXX. Merchant ( Macys ) promised a full refund including taxes & fees ( shipping ) upon return/refusal of merchandise but has yet to refund the shipping charges as promised. After numerous attempts between XX/XX/XXXX and XX/XX/XXXX to resolve this issue with the merchant, on XX/XX/XXXX finally a callback was returned by a service agent following up with the case confirming that it's been successfully processed. Again on XX/XX/XXXX I spoke with a supervisor named XXXX in the XXXX  department who confirmed again the credit has been submitted manually, will take about XXXX days to post, but to date - XX/XX/XXXX the balance of {$130.00} is still showing on the account which did not reflect the promised reversal. The order number referenced is XXXX. 

It took the merchant 2 months to finally process the refund for the 6 chairs made in their error, and we are now continuously having to dispute the shipping charges after 7-8 attempts via a combination of calls and correspondence to get in touch with their ordering and credit department servicing teams hearing the same promise. It is now almost 3 months past the initiation date ; it appears that the credit department is completely disconnected from the ordering team and none of the departments within the company is taking responsibility or assisting the consumer to get this cleared. This constitutes as unfair trade and fraud by the company wrongfully charging the consumer which should be escalated to financial bureaus. I've attached all the key documentation and conversation threads that leading up to this while attempting to resolve this matter with the merchant. Please look into my case carefully and contact the company for fair resolution. Thank you for your assistance to this matter.
Product: Consumer Loan

best buy paid it off XXXX they was taking it out my check XXXX I have tn care plus i never went to the doctor in XXXX and the online school never receive material so I should n't be obligated to pay my phone XXXX XXXX XXXX
Product: Credit card or prepaid card

I am having online access for my XXXX Citi XXXX cards for more than XXXX years ... it was working XXXX days back also ... now all of a sudden it stopped working ... i knew my userid and password very well. 

When called Citi - they are telling that I do n't have online access to my account which is not accurate. 

Later I have to create userID all over again and have to manage all my accounts all over again. 

Citi is falling under it 's own weight. There seems to be some hacker 's attack on citi due to which the userIDs have stopped working.
Product: Debt collection

In early XXXX, 2020, I received a letter from Firstsource Advantage offering to settle my account with them for {$310.00}. On XX/XX/2020, I called Firstsource and spoke with a representative re : the account. I then made an online payment of {$310.00} to settle the account. After that phone call and payment, I thought that the issue was settled. 

On XXXX, I received a letter from Firstsource informing me that I now owed {$690.00}. This amount is even more than the original amount they quoted, and more than twice the amount that I paid to settle the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint on XXXX XXXX twice they are repeatedly flagging my credit file with already reported information which is basically on record renewing a previously reported event Also I have a voluntary surrender on file and they are reporting me late as a new event I would think this safe to assume they want to ensure that my credit REMAINS tarnished
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( XXXX ), thereby violating your obligations under FCRA XXXX ( a ) and XXXX ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA XXXX, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} million in damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. LEXIS XXXX ( XXXX Md. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX Fed XXXX XXXX. XXXX ( XXXX Cir. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} million for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA XXXX ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) :
Product: Credit reporting, credit repair services, or other personal consumer reports

I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. XXXX XXXX - Date - XX/XX/XXXX. XXXX XXXX XXXX - Date - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has on my credit report by Experian your accounts that may be considered negative in which makes no sense by them that it would be XXXX 2022 before the account is scheduled to got to positive status there has not been a late payment on XXXX XXXX credit card in over 24 months so why would it take 5 years from now to go to positive in which is stated by Experian on my credit file. 

So how does it take 7 years for an account to go to Positive which is stated by Experian on my credit file. 

Experian XXXX : Your account that may be considered negative ( Continued ) As stated by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon Fcu-alexand Inquiry from XX/XX/2020 This inquiry was agreed to be cancelled. I had spoken to them on XX/XX/2020. They agreed due to there customer service team giving misleading information and having me wait on hold for for more than 10 hours after providing everything they asked me for. We both mutually agreed to cancel the request and I specifically asked them to than remove the late fee which they agreed due to the inconvenience. Which they agreed. So I just want my credit report corrected through XXXX, XXXX, XXXX  and all other credit scoring agency 's. The basic gist was they can not process my application and don't believe I am me which Is we agreed to everything above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$500.00} XXXX  XXXX {$6400.00} XXXX XXXX {$340.00} XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$3000.00} XXXX XXXX {$400.00} XXXX  XXXX {$12000.00}
Product: Credit card or prepaid card

I have had Capital One Platinum VISA card since XX/XX/2014. It was originally a secured card, obtained to establish credit. At that time there was an annual fee of {$29.00}. 

Several years ago, Capital One revised there fee structure and made the Platinum VISA free of any annual fee. I will provide a link if needed, but simply XXXX " Capital One Platinum '' will bring their advertisement, prominently showing zero annual fee. 

I have spoken with them a couple of times, most recently today. It has been explained that because there was a fee when I signed up I must continue to pay that fee. They will not argue that the card is now free. I asked for an upgrade and it was denied. 

Capital One sent a solicitation for a pre-approved zero  fee Quicksilver  card in the mail, which is what brought this to mind. 

Capital One realizes that those with newer credit profiles may suffer if they cancel their oldest card, and that is my dilemma. 

Only to prove the validity of the request and my worthiness for credit, I will state my credit score is skirting 800.
Product: Debt collection

Credit Control Corporation is reporting an account on my credit report that does not belong to me. I have sent multiple letters requesting that this account be removed and closed, but I have not received any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted the dispute documents but still no answer from the credit companies
Product: Debt collection

Citizens Bank XXXX calls 5-7 times per day to collect a payment. After it is paid they call 2-3 more times back to back.XX/XX/XXXX online payment at XXXX XXXX XX/XX/XXXX phone calls @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

XX/XX/XXXX phone calls @ XXXX, XXXX, XXXX, XXXX XXXX They've been asked to stop calling me and once spoke to a rep saying it was paid, the phone immediately rings with another rep asking for a payment.