23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern, I am writing to express my deep concern and frustration regarding a recent dispute involving a purchase made with my Chase credit card. 

Purchase Details : On XX/XX/XXXX, I purchased paint from XXXX XXXX XXXX XXXX XXXX XXXX ) totaling {$840.00}. Upon receipt, it became evident that XXXX gallons of the paint were pure liquid and unusable for application. 

Initial Attempts to Resolve the Issue : Despite my attempts to resolve the issue directly with XXXX XXXX  customer service, they failed to address the problem and instead suggested purchasing additional primer, which would incur an extra cost of $ XXXX {$1000.00}. This suggestion did not resolve the issue, as the paint, being made with the wrong base, was still unusable. Consequently, I ordered paint from an alternative supplier. 

Further Issues with the Remaining Paint : We later discovered that the remaining paint, which initially appeared usable, also failed to adhere to the wall properly. It did not stick and resulted in watermarks and dripping, rendering it ineffective for its intended purpose. Please see the attached picture for reference. 

Dispute Process with Chase : I initiated a dispute with Chase, providing substantial evidence that the paint was defective. I was informed that, based on the evidence, the dispute would likely be resolved in my favor. However, to my surprise, the dispute was closed without any credit being issued. Chase informed me that XXXX XXXX did not agree with the dispute and claimed that the paint was not defective. 

Despite restarting the dispute and submitting further evidence demonstrating the paint 's failure to adhere and causing watermarks, the case was again closed without resolution. Each time I inquired, I was unable to speak with a representative directly handling my case, nor was I provided with any information about XXXX XXXX  responses until after the case was closed. 

Request for Resolution : The lack of effective communication and resolution from both XXXX XXXX and Chase is highly disappointing. As a customer, I am seeking a trustworthy credit card company that supports its customers in resolving issues with defective products. The current outcome of the dispute process has left me with significant financial loss and unresolved dissatisfaction with paints that couldn't be applied onto the wall. 

Given the circumstances, we are requesting a full refund of {$840.00} to be issued to the original form of payment. I kindly request a thorough review of this case and prompt action to address the following : Reopening the dispute with a comprehensive review of all submitted evidence. 

Direct communication with one representative who can provide updates and effectively manage the case. 

Issuance of a full refund for the defective paint. 

Thank you for your attention to this matter. I hope for a swift and equitable resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX digit of chase credit card : XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Protection Under Section 605C of the FCRA Dear Equifax, I am writing to inform you that I am a victim of XXXX XXXX and to request your assistance in protecting my credit information as per Section 605C of the Fair Credit Reporting Act ( FCRA ). Due to the nature of my situation, I am deeply concerned about my safety and privacy and am unable to approach law enforcement for help.

Section 605C of the FCRA provides for certain protections for victims of trafficking, and I am requesting that you take the necessary steps to shield my personal information from being disclosed. It is crucial for my safety and well-being that my identity and location remain confidential.

Please respect my wishes and ensure that my information is handled with the utmost care and discretion. I trust in your ability to protect my identity and prevent any further exposure that could compromise my safety. I have the right to keep my information confidential.

I HAVE ATTATCHED A LETTER WITH ACCOUNTS THAT NEED TO BE REMOVED. 
Thank you for your understanding and prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Alot of items on report are not mines. Identity theft
Product: Debt collection

Portfolio Recovery has been calling for weeks about a debt my father supposedly owes that does not exist and they keep calling me. My father does not have debts and I dont owe any debts. I told them to stop harassing me but they keep calling me. They call me during my work hours when I am XXXX XXXX XXXX XXXX XXXX. This is unprofessional and unwarranted. They call from a different phone number each time.
Product: Credit reporting or other personal consumer reports

Equifax Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission and Consumer Financial Protect Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I demand that you comply with the disputes letters that I have sent to you.
Product: Credit card

I purchased a light fixture from XXXX XXXX XXXX XXXX XXXX. The price was {$280.00}. It took several weeks for it to arrive and then I had to schedule a contractor to install it. When it was finally installed, to would not work as one on the light receptacles did not work. When I complained to the seller they would not help. So, I asked Citi to file a dispute but they sided with the seller because they only had a 7 day window for a claim to be filed. In this case it was very difficult to get fit installed that quickly because I didn't know when it was coming, it was lost on the final leg of delivery ( from the shipped to the USPS ) and when to did finally get to me, I had to schedule it to be installed. So, it was longer than the 7 day window to find out it was broken. 

I'd like to have Citi understand the issue and support my dispute given the actual circumstances. 

Thanks.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, mn, XXXX Dear XXXX XXXX XXXX I am responding to your contact about collecting a debt. You contacted me by [ XXXX, XXXX XXXX XXXX XXXX fl XXXX. 
and identified the debt as XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. You have no proof that this debt is mine or that I signed for any service or phone. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Student loan

My original student loan ( the " Original Loan '' ) was owed through SoFi and I decided to refinance that loan through SoFi to get a lower rate ( the " Refinanced Loan '' ). {$93000.00} was disbursed for that refinancing on XX/XX/year>. At that time, the outstanding balance on my Original Loan was {$93000.00}. I was told that the {$770.00} XXXX would be applied to the balance of the Refinanced Loan. On XX/XX/year>, I realized that my automatic payment for the Original Loan was coming up, so I called SoFi and spoke with a representative who advised me to cancel the payment. It was explained to me that the disbursement would take approximately XXXX business days and that it could take as long as as XXXX business days. In either case, I was assured that the disbursement would come through soon to prevent me being double charged on interest and loan payments, so I should cancel the automatic payment for the Original Loan, which I did. 

On XX/XX/year>, I received a call from SoFi loans notifying me that my loan was overdue. I explained the situation and was assured that everything was just taking a while and their system and that I didn't have to do anything. On XX/XX/year>, I noticed that the disbursement still had not come through so I called SoFi to ensure that I would not take any hit to my credit and to check that there was not anything else I needed to do. That was the XXXX business day after the loan had been disbursed and I was again assured that there was nothing I had to do and that it should come through any moment. 

A couple weeks later, the loan had still not been disbursed. On XX/XX/year>, I sent a message to SoFi 's online chat support and received an automated response repeating that the loan disbursement should occur within XXXX business days from funding. On XXXXXXXX XXXX XXXX, I spoke with SoFi over the phone again and was told that the delay was due to a change in SoFi 's system. I believe they mentioned changing servicers and that this change had caused a delay. I had asked for a confirmation in writing that this delay would not impact my credit score or impact my charges. The agent I was speaking with stated they would send me that email. I asked to stay on the line until I could confirm that I received it which I was told was ok, but the call dropped and I was not called back. 

Today, XX/XX/year>, I noticed that the disbursement had finally gone through but that my outstanding balance on the Original Loan is still listed as {$220.00}. I was supposed to be receiving a {$770.00} credit but now I owed an additional {$220.00}, so I was taking a surprise {$1000.00} hit. I called SoFi again and spoke with an agent named XXXX who explained that it takes up to 60 days for disbursements to go through and that interest is charged during that time. I asked to speak to a supervisor and was connected with a woman named XXXX who told me that I only have about {$200.00} left to go and should just pay it off.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent a wire from my XXXX XXXX XXXX account to an account at another bank in error instead of XXXX bank that I pay my mortgage to. On the XXXX of XXXX after XXXX bank called me to notify me that my mortgage wasn't paid, I got XXXX with XXXX XXXX XXXX when I realize that it was sent to another bank called XXXX XXXX in XXXX, under the XXXX XXXX XXXX. I reached out to a representative at XXXX XXXX who told me they are not seeing any money. XXXX XXXX XXXX tried to recall my money but without success as they are not willing to return the money. I have decided to write to you to see if I can retrieve my money from these dishonest people. I had to borrow money to pay my mortgage as XXXX XXXX XXXX told me that I had to wait 45 days before they can fully negotiate to get my money. They sent me a letter and they weren't successful. Please I need your help.
Product: Payday loan, title loan, personal loan, or advance loan

this account was open fraudulently in my name
Product: Checking or savings account

I have been charged the monthly dormant fee in XXXX 2024 and onward. The dormant fees starting from XXXX 2024 should not be charged because I clearly had two activities on my account ( two separate deposits from another bank ). The rule of the banks is that if an account has no activity for 12 consecutive months, there will be a dormant fee. In my case, since I had activities in XXXX 2024, I should not be charged for the dormant fee in XXXX 2024 and the following months. 

I called the bank requesting to close the account and get a refund for the dormant fees. I finally talked to a higher-level manager. The higher-level manager said that she would close the account and refund me for the dormant fees. On XX/XX/year>, the higher-level manager called me and mentioned that she just closed my account. I then asked her about the dormant fees. She said that she forgot to refund me for the fees before closing the account and since she just closed the account, there is no way to issue a refund. She firmly said that once the account is closed, there is nothing she can do, and there is no way at all to refund me for any types of fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I just made a large payment of {$650.00} to my XXXX card two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've recently reached out to the credit bureaus to make them aware that the filing date of my Chapter  XXXX  Bankruptcy is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged for Experian credit report $ XXXX, billed twice a month to my credit card for the last 2 years. I never ordered the service and my attempts to contact experian have gone nowhere, as they keep telling me that I am not a member! I changed my credit card number, yet the charges reappeared on the new card statement. I have reached a dead end time and time again, and have been billed at an estimated {$1200.00} for services I never signed up for. I believe that my credit card number was used fraudulently, by someone else on 2 memberships and I am paying the bill without any way to cancel these charges with Experian, as I am not a member.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 D ( 2 ) A ( 1 ) states reports containing information solely as to transactions or experiences between the consumer and the person making the report. Personal transactions should not be apart of the consumer report to non affiliated 3rd party companies. Late payments should not and do not exist on your consumer report. 

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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX. I noticed on my credit report that there are things that do not belong to me. As I reviewed my credit Report, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as soon as possible. 
Best Regards, *Please see attached FTC reports
Product: Mortgage

Select Portfolio Service cashed the following XXXX checks mailed by my bank in error after the mortgage was paid in full in XX/XX/XXXX. 
check # XXXX dated XX/XX/XXXX for {$750.00} cashed on XX/XX/XXXX check # XXXX dated XX/XX/XXXX for {$750.00} cashed on XX/XX/XXXX. 
I began communication via email and XXXX with XXXX  on XX/XX/XXXX, but have been rerouted and ignored. Each correspondence has included the documentation requested of me as per below : - copies of front and back of the XXXX checks - copies of my bank statements showing these XXXX checks ' debits- quite lengthy log of correspondences I've made with no response. 
The phone numbers I've been using : XXXX XXXX... XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number reaches someone who transfers me to XXXX. I have left multiple messages for XXXX  to call me with no response to date. 
At one time I was provided this dispute ID - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous student loan servicer ( XXXX ) has turned my student loans over to Dept of EDXXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an XXXX XXXX XXXX account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681
Product: Credit card

I signed up for Amazon Chase credit card to get a discount on my purchase. I did not put any purchases on the card. Amazon automatically put some purchases I did not make on the card. After several calls to XXXX and Chase these purchases were removed. I instructed Chase TWICE to cancel the card. They assured me on the phone TWICE it had been done. Today I got another bill for late fees and interest because their computers think I made charges on the card that were not paid - XXXX and CHase have both told me this was corrected!! 

Please have Chase remove all charges, remove any derogatory comments from my credit report and CANCEL this card permanently.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 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 XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNTS ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Tried to get my checking account active again in XXXX. They said it was closed to unpaid fees. I shouldnt have been charged the fees. I still dont have a reopened checking account
Product: Debt collection

I have no clue what this is. I've never been contacted by this company/medical center. 
I've never been to this medical center or sought any sort of medical treatment in NJ. I have never been to a XXXX. 

Status : Date ReportedXX/XX/2020 Payment Status : Collection/Chargeoff Account StatusDerogatory Amount Past DueNot Reported Account Details Bureau NameI C SYSTEM Original LenderXXXX XXXX XXXX XXXX Account TypeNot Reported ResponsibilityIndividual Age Of Account3 Years, 6 Months Credit LimitNot Reported Highest Balance {$640.00} Payment Details Amount Past DueNot Reported Date of Last PaymentNot Reported Monthly PaymentNot Provided Payment FrequencyNot Reported
Product: Student loan

XXXX, XXXX has been servicing my Perkins Loan from XXXX College since it entered repayment. They recently have switched website platforms and for nearly 3-weeks they have not processed a loan payment that I made. The loan payment has left my checking account and they keep blaming the error on technical trouble all while the loan is accruing interest on the incorrect amount. They are literally stealing my money and blaming it on technical delays. It is unacceptable.
Product: Debt collection

I would like a verification and itemization of the debt that I owe to Asset Recovery Solutions for an apartment lease with XXXX XXXX. I dispute a portion of this debt and would like a detailed break-down of what I am being charged.
Product: Debt collection

I call the debt collector to inform them that it is illegal for them to have this on my credit report, for the reason that they have paid the debt and therefore it can not be collected twice, the company name is XXXXXXXX XXXX XXXX the amount is for {$1800.00} the date is XX/XX/2023. I informed them that they must produce original paperwork with my signature which they do not process. So, I politely asked for them to have it removed and they refused.
Product: Mortgage

Applying for a loan mod since XXXX ... covid forbearance ended in XXXX. I have made bank draft payments for 4 consecutive mo via bank draft. I need to stay in my home..have a wife and XXXX children ... .just need covid relief help. Asking they at least put me on a trial mod for 3 more months if necessary ... .I have proven by paying 4 months in a row ... I am ready to now keep my mortgage current and even pay ahead please help me and my family with this. Thank you!
Product: Credit card or prepaid card

On XX/XX/2017 my wife went into lowes with my lowes credit card while I was at work and tried to get wood to board up a window.  The window had some glass break and the cold outside makes it hard to warm the house with the window like this.  So she went to lowes to put the wood on the XXXX card.  The lowes card was not working.  She called me about it so I checked he website and my card had been closed despite the fact that I had a XXXX balance and had paid Lowes thousands of dollars back in XXXX  to pay the balance off.  I never received a notice from Lowes of this change and when I called I was told I could reapply but they assured me I would not qualify because my credit has slid slightly since I was approved.  I called my wife to relay what I had learned and she left the store in tears.  I tried multiple outlets to reach lowes and get a resolution but all I keep getting is "call this number" and it's the number I already called to begin with after checking my account online.
Product: Mortgage

I can not make a payment online for my mortgage with Freedom Mortgage. It continues to happen month after month. After I log into my account, a pop up shows up and says I qualify for a lower rate and says I can either call to find out more about it or " Continue to My Account. '' Every time I click " continue to my account '' it recycles the page and pops up the window again without letting me have access to the online payment. Therefore I am not able to make my payment online unless I try over and over and over again. This month, I have not been able to get past the gauntlet. It has prevented me from making my payment on multiple occasions. I've tried calling the number on the pop up to tell them what is happening, but the phone number only connects to the refinance department and they transferred me to another number that disconnected. This happened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am trying to make my payment on time but can not access the online payment option that is advertised by Freedom Mortgage. I am attaching a copy of the image that pops up repeatedly online when I log into my account.