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

On XX/XX/2021 I purchased electric fireplace from XXXX XXXX XXXX XXXX Total amount was {$1600.00}. The item arrived damaged and as per policy I requested to have this item returned. Even though I was eligible for XXXX pickup which I requested multiple times but did not get any pickup, i was forced to make a store return. 

XX/XX/2021 - My BF and my son had to take 3 very large boxes to our local XXXX XXXX XXXX XXXX store for a return. Address : XXXX XXXX XXXX Pl, XXXX, CA XXXX. Manager was assisting them and it was impossible for them not to be seen by everyone since what they were carrying was gigantic and required multiple employees assistance to process the refund. XXXX XXXX XXXX XXXX  did provide a return receipt that I unfortunately did not keep. I have never experienced an issue where a refund did not post and when cleaning the next day, I threw the receipt out. 

XX/XX/2021 - After seeing that no refund has posted to my XXXX XXXX card, I got concerned and called the local store. I was told there is nothing they can do for me, the refund was processed and I would have to call my credit card. 

XX/XX/2021 - I submitted dispute to Wells Fargo and provided all needed information. 
Dispute # XXXX XX/XX/2021 - I received notice from Wells Fargo that my dispute is closed and that I am responsible for the charge due to not having evidence. There is nothing else they can do for me and my only action is to work this out with bed bath and beyond. Which I already tried and was told to contact my credit card company. 

I am hereby asking for assistance in receiving credit that is owed to me. XXXXXXXX XXXX XXXX XXXX  has video cameras and I can provide an approximate time as well as pictures of my BF and my son. It is impossible not to identify them on camera simply due to the size of the boxes and the amount of them not to mention see other associates on camera assisting. You can clearly see my BF left without the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my credit file from XXXX  today XX/XX/2018 stating that my score had dropped due to an increase balance on my Capital One credit card. My XXXX  credit report stated that my Capital One Card Balance went from {$0.00} to {$210.00}. I called Capital One and confirmed that I paid my credit card balance on XX/XX/2018 to a {$0.00} balance and that there has been no new charges. I asked the Capital One Representative when was this balance reported and was advised by the Capital One representative that it was reported on XX/XX/2018. I asked why was an incorrect balance reported to the credit bureau and the representative could not give me an answer except that it could not be corrected until next month. This caused my credit score to drop.
Product: Credit card or prepaid card

I received an email from Bank of America stating they received my credit application. I call Bank of America and informed them I did not submit an application for credit. They refused to look me up by other than my full social security number. I did not feel comfortable providing my full social. The gentlemen informed me if that was the case, he couldn't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report and noticed that hard inqueries were readded to my credit file after being deleted. After calling Transunion and requesting inqueries to be removed Transunion would not remove them. Upon further investigation I found out that they were removed and added back because of some type of computer glitch within Transunion 's system in XXXX and once again in XXXX. By law Transunion should have informed me in writing five days prior to readding. I received no such notice therefore my fair credit reporting rights were violated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX at XXXX XXXX answered I asked her if she can confirm my balance, she transferred me to XXXX. XXXX works in collections she is the one that reports to the 3 credit buerues. I asked her how much I owed she XXXX continued with well your car is out for repo they are looking for it right now. XXXX stated i needed to pay $ XXXX change or they can take my car and she can't put a stop to the repo without payment of {$710.00}. and some change. 
XXXX stated " repo '' can take my car today ( meaning that day ) keep in mind it was XX/XX/XXXX, I go to bank make that payment. Come home call her ( XXXX ) to confirm Payment I ask XXXX from collections when is my next payment, she ( XXXX said XX/XX/XXXX, XXXX hmm ok so today is XX/XX/XXXX, my car is up for " repo '' No this is false Friadent statement in attempt committed by XXXX XXXX Collections Dept. Due to retaliation against prior complaint. She XXXX lied to me forcing me to make a 3 month payment to keep my balance high & making me pay all fake illegal late fee again to sabotage and destroy my credit due to retaliation. This is all a part of XXXX conspiracy. XXXX lied forcing me into more hardship made me pay a month in advance Only to make it look like to the credit reporting agency that my payments are due every 3 months making my balance higher. Than lien and 3 days late report me late for 60 days smh! and adding on later fee to continue to hurt my credit score. 
I then say to XXXX {$170.00} in XXXX she XXXX replied yes {$170.00} XX/XX/XXXX XXXX then XXXX XXXX to the XXXX credit bureaus late. For XXXX. I opened my loan XX/XX/XXXX my contract is payments from the XXXX to XXXX of every month. i have to be a month behind before she can even report me, but XXXX can do whatever she wants like she told me there is no one above her. loan opened. I told XXXX that all my payment is to go directly to car. Not to split pay just straight to my car. as I did when i had paid of a XXXX car without XXXX late payment. I wil like to submit XX/XX/XXXX, audio where you can hear XXXX lie out her teeth.
Product: Credit card or prepaid card

This card has not been used in months and carried a XX/XX/XXXX balance. I noticed my credit score drop and upon review found that there is a mysterious late charge. Capital one is not responding to my inquiry.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 regret to notify of how disturbing it is that you select not to solve my Identity Theft issue due to an apparent error or significant fact misrepresentation. What power do you have to decide what constitutes relevant facts? You are not a judge, you are not a juror, and you have no right to any of these things. The Federal Trade Commission ( FTC ) mandates complience with the law when it receives an identity theft report about identity theft filed by a law enforcement agency ( in this case, the FTC ). I believe that involving law enforcement is an essential measure to ensure a thorough investigation and resolution of the matter. I am committed to assisting law enforcement agencies in any way necessary to facilitate their inquiries. Account : XXXX XXXX ; Inquiries : XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX 

I trust that your organization will take this information into account and cooperate fully with any law enforcement inquiries that may arise from this matter. If there are any further actions required from my end to support this process, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent it off on XX/XX/2022 I told the credit bureau to investigate every piece of information on the accounts listed below. Also, I have attached the letter sent out. According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurately. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. Account name XXXX XXXX XXXX account number XXXX
Product: Credit card

Capital One XXXX Who I have been a customer with for 10yrs or more decided to freeze my card due to suspicious behavior. They have given me the run-around in my NUMEROUS ( 5 ) attempts to resolve the problem. I no longer afford my own internet and they would not accept the phone I was wanting to use to receive their confirmation # 's. I also changed my address to much issue with the USPO, now resolved ; and they refused to accept my notices of change of address. I have continued to pay off the card, which they have accepted to no avail of a resolution. I even went and made copies of my IA drivers license and sent it with the confirmation code given to me by them. They confirmed receipt but refuse to talk to me as the card owner and tell me what the problem is even about. " the card is smudgy '' They have even recently charged me interest on a paid in full account and refuse to tell me why. I have tried everything in my power and feel harrassed and disrespected by them all in the name of " protecting '' the very person they are in a contractural agreement with. This has taken up hours of my time and I am still unable to resolve this. I dont feel sending my ID in the mail is an option.
Product: Student loan

Hello, I do not know who Navient is and had no information that XXXX XXXX had sold it to Navient before my paycheck started getting garnished by a company called XXXX with whom sent me nothing in writing, just calls from an unknown number and no messages left. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA. this creditor has violated my rights under 15 USC 1681, Sec 602, states I have the right to privacy, 15 USC 1681, Sec 604 ( a ), Section 2, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled a copy of my credit report, I was shocked to discover that i had some unauthorized hard inquires and I do not know where they came from. I believe i am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of buying a home for my family and this is hurting my chances of being approved. Pleas remove the listed inquires that I did not authorize.
Product: Checking or savings account

Chime bank all the sudden said my account is locked for security reasons and that I need to email a bunch of paper work like license social security card and bunch of other stuff which I did and didnt hear back email 4 more times still havent heard anything. I have called 5 times now and they just keep saying I need to email cause they cant talk about this over the phone. I have asked to pull my money out and they say the same thing, I would like to get my {$1000.00} out of that account someone please help me.
Product: Credit card or prepaid card

Black Friday Furniture purchase. Apparently my billing cycle ended same day of purchase with payment due on the XXXX of the next month. I did not receive statement until after due date only to be charged card security, late fee and interest. Advertising on Black Friday sale states interest free on all purchases over XXXX. My ticket was XXXX. Creditor lowers credit limit resulting in being put over new credit limit. 

So just to recap, purchase, payment due, lowered credit limit and interest on advertised sale in 26 days. 

I submit complaint with them through email, they refund partially but still have fees due and minimum payment XXXX $ for the next month plus interest. I make a payment based on what I can afford and the charge more fees, interest etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account opened on XX/XX/XXXX under the account number XXXX, an XXXX account opened on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX, XXXX, and Equifax. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Debt collection

So I had a line credit that I defaulted on the payments, so I made a payment arragement which I did pay for a while and again I defaulted on that due to financial issues .... 

So the original creditor gave the account to a debt collector that has been calling me harrasing me itimidating me and torturing me mentally and emotionally ... 

He has threated me of taking me to jail and has accused me of fraud and that I am a criminal. 

He also told me that he had recorded me on the 1st conservation that we had which I did not consent to nor was I aware that I was being recorded. 

Also, he pulled ny credit report with out any written consent or authorization. 

XXXX XXXX Ashton & Weinberg , Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX That is the debt collector information
Product: Credit card

After numerous, hundreds of calls from Comenity Bank, they decided to contact someone I know in order to get information on where I worked. This person was NOT my family. I don't know how they got his number or why they thought it was okay to contact him and speak about my personal business. I feel my privacy has been violated. I'm embarrassed and humiliated. My current financial hardship is my business only.
Product: Vehicle loan or lease

This is in reference to CFPB XXXX XXXXXXXX. I appreciate Schools First Federal Credit Union to not ignore my inquiry. However I still feel the problem is not solved. Maybe I need to ask a direct question. Did the lady who administered our unsecured loan at your facility have what is called a ( DBA ) Doing Business As under the California Secretary of State please provide me that information if you don't understand what I'm talking about I will submit mine. If your employee who is conducting business in California doesn't have one then this contract is Voided. Also I would need a Financial Forensic Audit showing where the money originated from on this Loan. I have recently secured my All Caps Name with the Internal Revenue Service and now have Power Of Attorney of this Estate and I'm doing a little housekeeping. I would also like to know if School 's First Credit Union have paid taxes on the money you received from my Trust Estate and have reported it to the Internal Revenue Services. I will wait for your response before I have them looking into this loan. Thank You so much for your Cooperation. Also why didn't Schools Financial credit Union CFO respond to the Affidavit. An unrebutted affidavit becomes judgement after 30 Days. I want to peacefully work with schools to mitigate this situation as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I was anticipating my enrollment in a credit card program that would have closed my credit cards. I was told that it would be better for my credit reports if I closed them myself rather than having the credit card companies close it. I called and tried closing my credit cards on 3 separate occasions. One time on  XXXX XXXX and again on XXXX XXXX and finally on XXXX XXXX when it was finally closed by the credit card company. Whenever I tried closing the credit card, I would inform that to the customer service representative of my intentions and they would abruptly end my calls. Finally, on the day it had been closed by the credit card company, I was told that it had already been closed.
Product: Mortgage

I closed on a home I owned in Ohio on XX/XX/20. The day of my closing I was told by XXXX XXXX that a wire was being sent to my bank to payoff my mortgage and deposit the proceeds of the sale of my property to my checking account. I received a payoff letter from Chase on XX/XX/XXXX and had it sent to the XXXX XXXX XXXX. I was told not to make any more mortgage payments because I was scheduled to close on XX/XX/20. The day of closing my mortgage was not paid even though the buyer was given keys to my home and had moved in and started remodeling before I received a dime for payoff of my mortgage. My mortgage remained unpaid until XX/XX/XXXX because the weekend passed before I was told that the funds from the buyers loan was sent to the wrong Title Company. HOW?? When they finally wired the funds it was now XX/XX/20. My complaint is against the following parties XXXX XXXX , XXXX XXXX ( OH ), XXXX XXXX (  OH ), XXXX, XXXX, Chase and all parties who were responsible for the delay of my mortgage payoff and then the subsequent reduction in my credit scores. Over {$200000.00} of mortgage and revolving debit was paid and my score was decreased instead of increased. On XX/XX/XXXX my credit score dropped by 87 points from XXXX to XXXX with XXXX  and I learned today that my credit score dropped 93 points with XXXX   from XXXX to XXXX. Now I want to know how someone who's never been late before on any bills can now have my credit score crushed after paying off a mortgage and paying down revolving debit by approx. {$14000.00}. This is even in light of the pandemic we are now going through. I should be congratulated rather than penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase a vehicle so I went with a pre approval/ soft check option to see if I would be approved. XXXX XXXXXXXX XXXX decides to run my credit thru 2 loan companies 2 days later and for hard inquiries when I never agreed upon that! Thats also illegal to be using my SSN day later for something I never agreed to. I disputed this through Equifax and they stated it was factual when thats impossible I never put my SSN in for hard inquiries. XXXX XXXXXXXX lied about there being a soft check and ran my credit days after the fact I wanted to do a soft check without my permission and caused me 2 hard inquiries!