23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2024, I ordered XXXX pairs of pants from the XXXX website, totaling {$1000.00} ( ORDER XXXX ). 

After trying them on, I found that none of the pants fit, so I requested a refund and dropped them off at XXXX. However, the return information was never updated. After waiting for a while without any updates, I contacted XXXX, but they stated that they are only responsible for the delivery and couldnt provide more information. 

I also requested tracking information from XXXX, but received no response. XXXX only provided XXXX as the return option, leaving me with no other choices. 

After waiting for a response, I disputed the charge with Chase Credit Card. I tried to send the XXXX drop-off receipt as evidence, but was not given the opportunity to do so. 
I missed several calls from the credit card company due to my work schedule, and when I tried to call back, the case had already been closed. 
Even after requesting a review, my request was denied. 

I am currently charged {$1000.00} and have received nothing in return. 
I am in a frustrating situation and desperately need your help to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute this account too many time and the information still the same, Experian for do not cooperate at all, 1 - LOAN # XXXX XXXX PAY OFF AND CLOSED 2 - LOAN # XXXX XXXX - PAY OFF AND CLOSED 3- LOAN # XXXX -XXXX  -PAY OFF AND CLOSED
Product: Checking or savings account

Did not receive my payroll direct deposit on XX/XX/year> in the amount of XXXX. 

No notification from the bank when they were aware that this was an ongoing issue at least XXXX hours prior. When I contacted the bank they had information when it would be resolved and it has still yet to be resolved. 

The bank is Capital One.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I found an unauthorized charge from a company called XXXX XXXX  I contacted them and they said it was used by Paypal but they would not issue me a refund. I contacted paypal and they took down my dispute within a hour with no investigation. In addition, Paypal refuses to let me add my bank account on here so someone using my information without my approval. It says someone else using my bank account number which does not make sense at all. All I get is foreigners disrespecting me when I chat to them
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX XXXX, social XXXX I have reviewed my TransUnion credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called TransUnion and the creditors and was given the run around about this situation. If not resolved in 30 days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Companies will not remove defamatory information from credit reports as per law and codes. None of these companies obtained my permission to report any of this information. According to Law FRCA Section 605B it is illegal to report information on my credit report without my permission. Ive asked all three major credit bureaus to remove, but came back verified.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX ) to seek their assistance in resolving this issue. Please find below my reasons for dispute : XXXX XXXX XXXX XXXXXXXX and the following inquirires XXXX BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a new account at BOA XXXX XXXX XXXX XXXX in XXXX XXXX a few days ago. When opening the account, I can assure you that I provided the correct address, which I know will be used to deliver my new cards. However, after opening the account, I returned home and found out the delivery address on my BOA app was incorrect. I then called BOA immediately to correct the address. While the representative over the phone claimed he changed the delivery address as I asked and promised that the cards would be sent to the correct address, the delivery address on the shipping notice email which I received a day after was still wrong. I then called another time and spoke with one of their representatives, but the same thing happened again. Every time I called I repeatedly confirmed the address they claimed they had helped me change into, and they all promised on the phone that the card would now be sent to the correct place. But the fact is, the card was still heading to the wrong place. I'm extremely disappointed by BOA 's service and would like to complain and let you know about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine MIDLAND CREDIT MANAGEMENT {$11000.00}
Product: Money transfer, virtual currency, or money service

Square have held my funds for a period of 90 days until today XXXX XX/XX/2023, further to this due to " Bank Security '' they are now stating my funds are held for a further 90 days.
Product: Mortgage

On XXXX XXXX I called Freedom Mortgage to find out how to get PMI removed from my loan and was advised ( and verified XXXX to pay XXXX and the monthly charges would be removed. Additionally there was a request to pay bi-monthly ( which would only be allowed once an additional monthly payment was paid - i.e. if monthly payment due is XXXX to pay an advance of XXXX and can then initiate bi-monthly debits ). 

After my payment for XXXX cleared and my PMI was not dropped, nor was the bi-monthly option available as per their website, I called Freedom Mortgage to find out why. Over the course of 3 phone calls, including one with a Supervisor by the name of XXXX, I was given 3 different reasons why PMI was not dropped. One of the more humorous ones was I needed to pay {$130000.00} in order to drop PMI. That 's the loan amount.
Product: Mortgage

Are mortgage transferred to mr. Cooper also known as Nationstar in XXXX of 2019 we were not properly notified of the time of the transfer in XX/XX/2019 I received a phone call from mr. Cooper stating that I had a back balance owing and was I aware that our account and transfer. At that time I stated to them that I was not aware and that I wish to pay the amount up to date in full I was provided an amount and paid that day. I was done reported 30 days late to the credit bureau even though my payment after the transfer had fallen within the grace. I contacted them and submitted a dispute to which the updated the payments to on time only 30 days later to again report it as 30 days late I contacted mr. Cooper to inquire as to why I was 30 days late and they stated that I did not pay the XXXX payment on time I submitted a dispute on that which they did not update to on time since the ketchup payment in XXXX from the transfer I have made Regular monthly payments on time. I am trying to recuperate my credit after a devastating family situation and they should be more on top of things as far as when someone says I want to pay my account in full to provide them with the full amount due
Product: Credit card or prepaid card

While on a flight back from Hawaii. XXXX XXXX promoted a promotion on the airplane if you get approved for a credit card you woul receive points enough for a round trip. Those points where never applied to the account they also advertised 50 % off a companion ticket and they also did not apply that. I have spoken to countless representatives and they have not applied the points or discount. This company was misleading at the time of offer. Please see attatched advertised pamphlet that they handed out in flight.
Product: Vehicle loan or lease

This complaint is concerning 1. the inadequate payoff quote of Kia Motors Finance 2. Not refunding overpayment On XXXX, I requested a payoff from Kia Motors Finance for my XXXX XXXX. The payoff amount quoted was {$39000.00}. On the same day, XXXX XXXX requested a payoff quote and received a payoff amount of XXXX. Both quotes gave 10 days for Kia to receive the payoff. XXXX XXXX mailed the payoff amount of {$39000.00} to Kia on XXXX. XXXX XXXX provided me a confirmation letter indicating the payoff was mailed. The payoff was received by Kia on XXXX and did not post until XXXX. Consequently, I made my payment of {$950.00} on XXXX because the payoff was not showing and customer service indicating it was pending. On XXXX the payoff posted, along with my payment. Both posted incorrectly. A remaining principal of {$690.00}. My regular payment of {$950.00} was applied all to interest. I called Kia on XXXX indicating that they applied payments incorrectly. The corrected the payoff from XXXX XXXX to show the car paid off. However, my payment of {$950.00} still showed that it was applied solely to interest on XXXX. I was told to give them 3-5 days for reimbursement. On XXXX I called again. I was told to wait another 7 days for reimbursement. On XXXX I called Kia again. The customer service representative ( XXXX ) indicated that Kia was sending me a reimbursement of {$65.00}. I asked her what was that for. She indicated it was for overpayment. I told her that is the incorrect amount, as I should have received my entire {$950.00} back because the payoff from XXXX XXXX was received before the 10 day off end date.
Product: Debt collection

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX IM BEING CHARGED DOUBLE. 


2. JEFFERSON XXXX XXXXXXXX IM BEING CHARGED DOUBLE. 

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I asked the company for the original documents to verify the debt that they did not even let me know about, before selling it to a collector. XXXX XXXX violated the XXXX tenant laws as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX verified on XX/XX/2022 they have fixed a credit reporting error causing a commercial mortgage loan to report to my personal credit bureau. XXXX confirmed the error and submitted corrections to the agencies. The error was finally fix in XX/XX/2022 until the mortgage was sold in XX/XX/2022 to XXXX XXXX XXXX ( XXXX ). Now XXXX is reporting a commercial mortgage on my personal credit bureaus again. This is a commercial loan that XXXX agreed in loan documents, in emails, and credit dispute documents this is a reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what Ocwen quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?
Product: Credit card or prepaid card

I have 2 accounts with Aspire, a subsidiary of XXXX  XXXX XXXXFortiva ending in XXXX and XXXX. On XX/XX/3022 I made 2 payments {$39.00} for account ending in XXXX {$40.00}. Despite my best efforts to resolve this problem Aspire staunchly maintains the payment for XXXX was reversed on XX/XX/2022. I sent them bank statements for XXXX proving the money was taken out of my account. Not to take my word for it, I conferenced my bank on one of many calls and they verified the payment went through and there was no reversal. Ive contacted Aspire approximately 7 times- and I spoke with a supervisor with the same results. I have attached my bank statements as proof. I need help
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, just recently obtained my credit report on XX/XX/XXXX. I noticed numerous unauthorized hard inquiries that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my credit report must have permissible purpose according to 15 U.S.C. 1681b. See Exhibit A. 

XXXX ). XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 2 ). XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 3 ). XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 4 ). XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 5 ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 6 ). XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX a rental lease account opened at XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I hope this email finds you well. I am writing to bring to your attention a concerning issue regarding my Cashapp account. On XX/XX/year>, my account on Cashapp was locked with a balance of {$3000.00}. The account was initially locked for a XXXX period, following the Cashapp policy. However, upon the completion of the XXXX lock, my email address was mysteriously removed from the account, rendering me unable to access both my account and the funds within it. 
Over nearly 5 years since this troubling incident, I have been unable to regain access to my account or retrieve my funds. Despite receiving a letter instructing me to log in and withdraw the funds to my external bank account, before the funds are sent to Unclaimed property in my state of residence ( AL ), all my attempts to access the account have been in vain. I have made multiple attempts to seek assistance from Cashapp support, but regrettably, I have not received any successful resolution to my issue. 
My perplexity deepens by the fact that there is no way for me to submit or provide the necessary identity verification to regain access to my funds because cash app does not offer that as a solution. The lack of support and unresolved status of this matter through customer service has been profoundly frustrating for me. 
I am now turning to you with the hope of finally addressing and resolving this ongoing problem to retrieve my funds at the earliest possible convenience. 
I kindly request your urgent attention to this matter and would appreciate any assistance in getting my money back as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was at the XXXX XXXX store at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The dealership and I agreed on a monthly rate and we began the contracting process. They pulled my credit on XX/XX/XXXX and right after that they came to me and said. We made a mistake with the pricing and your monthly rate is going to be higher. I have excellent credit and the higher rate was due to them miscalculating something. 

I told them that that's on them, we agreed on the price already and that I will not be forced to pay more even if they already pulled my credit. I left the store and placed a complain about price gauging and credit deception with CFPB. I believe I was tricked to get my credit pulled so I can be forced into paying more. I never received a copy of my credit application. A month later I got a letter telling me what my credit score was. 

Today, on XX/XX/XXXX the XXXX XXXX store initiated a hard pull again, completely without my permission. I called them and they didn't seem to care. I called TU and put a dispute for the hard inquiry from today since I clearly did not give my consent to a second hard pull in a month. 

Ideally I would like both hard inquiries removed but at a minimum the one from today, XX/XX/XXXX must be removed since I did not give them my permission. 

Due to their hard inquiry my credit report dropped XXXX points. 

For more details refer to pages XXXX of my credit report attached.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX