23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I bought a refrigerator from XXXXXXXX XXXX in XXXX of XXXX. I made the huge mistake of getting a XXXXXXXX XXXX credit card in order to take advantage of the 5 % discount. Never again. 

The refrigerator was defective and made a sound like a bone breaking when I opened one of the doors. I paid the bill in full before the end of the month, and I waited for a couple of weeks to make sure the horrible noise wouldn't just go away with use. It did not. 

I went to the store in XX/XX/XXXX and asked them to swap it out. That put into motion the biggest ordering-delivering-accounting snarl I've ever encountered. Instead of just swapping out the refrigerator, they required me to order a second one because " they couldn't show 2 refrigerators out of inventory at the same time. '' It's hard to believe they had not encountered this situation before -- do they really always require a person to buy a 2nd refrigerator when the 1st one is defective? I ended up returning the 2nd refrigerator also, because it had a loud high-pitched whine. I ordered a 3rd refrigerator of a different brand, but before it could be delivered and the 2nd one taken away, XXXXXXXX XXXX called or emailed me to tell me it was not in inventory. I was completely disgusted by the whole mess and the HOURS AND HOURS I'd had to spend to try to straighten it out. I made many, many phone calls and at least 5 trips to the store. I gave up and bought a refrigerator from XXXX XXXX. I called XXXXXXXX XXXX  and had them pick up the 2nd refrigerator on XX/XX/XXXX. After that, I DID AND DO NOT HAVE A SINGLE REFRIGERATOR FROM XXXXXXXX XXXX. I also destroyed my XXXXXXXX XXXX credit card and will never buy anything from them again. 

The snarl was so tangled that at one point they showed I owed them for 4 refrigerators. XXXXXXXX XXXX told me they couldn't straighten it out and I would have to contact XXXXXXXX XXXX 

After requiring me to spend many more hours writing, calling, and faxing letters, XXXX investigated and decided in my favor. I received a check from XXXXXXXX XXXX for the amount I had paid for the 1st refrigerator in XX/XX/XXXX. It seemed the horrible ordeal of dealing with them was over. 

That, however, was not the case. After some time, XXXX somehow forgot about their decision and started trying to collect money from me again. They again put lots of false information on my credit report. I told them on XX/XX/XXXX in a letter, which I both faxed and sent through USPS mail, that I would not contact them again ever, but if my credit report were not straightened out and all adverse events on it removed, I would contact CFPB. 

Their records and my credit report are still mangled. XXXX has begun phoning and mailing me again. I ask for your help to end this horrible ordeal and restore my credit reporting.
Product: Credit card or prepaid card

Capital one has now changed the date of closing to 25 days. I called to see when my new date was for it to close out and it was on the XXXX of ever month and now it can post anywhere from the XXXX to the XXXX of each month. So they are getting more interest from me. I pay the payment as soon as it posts now on pYmnt day and I always pay extra on it. I have called to ask if they will lower the interest rate and they always say no way. I have had this card for over 20 years and I have never been lTe on it. I feel that someone needs to look into the practices of capital one and do something about this. Please check on these practices of capital one and I would like to know why they won't lower my interest rate since I XXXX  way aheD of time and pay extra on it every month. I pay at the least XXXX and somethings XXXX over the minimum point. Please help us XXXX people who are being XXXX  by capital one credit card company
Product: Credit reporting or other personal consumer reports

On XX/XX/2017, I uncovered that the Department of Education / NELN listed an address at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, to issue a significant loan against my credit, claiming I was a responsible party and a co-signer of an educational loan. This constitutes identity theft. I have never taken out such a loan, nor have I signed or given verbal consent to be a co-signer for anyone In accordance with Law 15 USC 1681B, the Fair Credit Reporting Act ( FCRA ) section 605B stipulates that it is unlawful to report information without my consent. Additionally, under USC 15 section 1681, there is an obligation to ensure accuracy, fairness, and privacy in the reporting of assembled personal information. Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in 15 USC 1681n ( Civil Liability ).
Product: Mortgage

I XXXX XXXX XXXX am writing to you today to explain my hardship situation that led to my application for home loan assistance through a modification program with my mortgage company, AmeriHome Mortgage. I applied for a loan modification twice with AmeriHome Mortgage. My property address XXXX XXXX XXXX, XXXX, CA, XXXX, Mortgage Loan # XXXX. The first loan modification request was on XX/XX/XXXX with a denial issued on XX/XX/XXXX. At that time there were various denials written for different programs. I am calling into question various programs starting with the Hamp Stand Alone Partial Claim that stated, " Your current mortgage payment is greater than a modified mortgage payment that could be offered to you based upon program limitations. '' I was not informed as to what those program limitations were and am hereby requesting them in writing as this response was vague and unclear. Additionally this answer section was different in my second mortgage modification denial under the same program, which is contradicting.The denial section for the Hamp Stand Alone Partial Claim states, Your income is insufficient to support the workout plan payment amount. So my question is, which is the real reason for this programs denial? For clarification purposes the second mortgage modification was submitted on XX/XX/XXXX. The reason we submitted a second request was due to a change in circumstance, which was that my son who was previously not working due to his wife and newborn being admitted to the hospital, began working again and had income to contribute to our household. The second modification denial came on XX/XX/XXXX. The program, Home Affordable Modification denial reason that states, " You have not made at least four contractual payments on your loan. '' But on XX/XX/XXXX we opened up a help ticket with AmeriHome tech support because we could not login to they web browser to make payments or sign up auto billing. They never responded to us and we opened a second ticket on XX/XX/XXXX and still heard nothing back. We are not able to view the website to see paperwork mailed to us and with living rural and having mail theft it makes it very difficult to know what is going on. Throughout our hardships and after several attempts to pay our mortgage by the phone, we realized we were too far delinquent to make up the missed payments and our only chance at keeping our home we would need to request assistance from the bank. Our attempts to make up our mortgage payments were ignored therefore we could not comply with the guidelines that stated we needed to have made four contractual payments. The reason for my complaint today is that AmeriHome has demonstrated hypocrisy, stalling my request for assistance only to deny my modification requests. This mortgage company has not taken my mortgage modification request seriously and has not even presented the workout package to my investor. They have thrown up red tape and made up denial decisions without validating or explaining these supposed program limitations or investor guidelines.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account vithout my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for eny purpose These accounts are listed as late and they were never late. Will u please update them to paid as agreed.. 
The accounts are listed below : XXXX XXXXXXXX XXXXt # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Consumer Loan

I received a loan from the cash store for a total of {$2000.00} and was told that the payments will be deducted from my checking account if I was not able to pay. I have been charged an overdraft fee because the funds were not available and even though I notified them in advance the my told me that there was nothing that could do besides refinancing my loan and making me start all over for a payment that was only about {$100.00} dollars cheaper but still almost unaffordable. My payments are currently {$500.00} and I can not afford them I am being charged upwards of 400 % maybe even more.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX continue to encounter inaccuracies in my report, particularly regarding two reckless driving offenses within the past five years. I have substantiated this claim by submitting an official copy of my driving record showing no reckless driving history in the last 5 years. I kindly request ( MIB ) to promptly update my records to rectify this error, as it is impeding the approval process for my life insurance application. While I acknowledge and appreciate the recent updates to my medical history, I respectfully request the complete removal of an existing error, as it continues to raise concerns among insurance providers during assessments. It is crucial to note that I have never experienced any of the mentioned medical issues in blood, XXXX, saliva tests or XXXX XXXX XXXX ). Your prompt attention to these matters is greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX AUTHORIZED USER Credit usage XXXX XXXX Balance {$3200.00} Balance updated XX/XX/2023 Credit limit {$3500.00} 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.
Product: Credit reporting or other personal consumer reports

Ive tried to have these inquiries from the dealership removed by all three credit bureaus.. XXXX, XXXX, and Equifax and they all come back verified and accurate! This is not the case! I did not authorize the dealership to do 9+ hard inquiries on my credit report! I did not give them permission to pull my credit this many times. This is affecting me tremendously and I dont know what else to do. Why is this coming back verified? Where is the proof that I gave consent to have my credit pulled 9+ times! All in one day
Product: Credit reporting or other personal consumer reports

I was unable to get an annual credit report from any of the three agencies as the website " couldn't provide '' the info. No explanation.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXXXX/XX/XXXX : The following inquiry was not authorized and should not be reporting. XXXX XXXX XXXXXX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting.
Product: Debt collection

XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : WELLS FARGO CARD SER XXXX
Product: Debt collection

My identity was stolen to open XXXX  power utility accounts in Texas. All from which are different addresses and the accounts were not open longer than 3 months. I have never lived in Texas and can prove that I have lived in my current address in NJ for 5 years. 

Transworld Systems INC has opened XXXX separate collections accounts with " XXXX XXXX ''. I contacted XXXX XXXX and they could not send me specific account information for the fraudulent accounts. They also were not able to locate all of the identity theft accounts listed in my credit report. They were only able to locate XXXX of the XXXX accounts. See below... 

XXXX ) Account name TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX Company sold - Account type Collection Date opened XX/XX/2023 Status Collection account. {$320.00} XXXX ) Account name TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$730.00} XXXX ) Account name TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$530.00} XXXX ) TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$990.00} XXXX ) TRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX  - Account type Collection Date opened XX/XX/2023 Status Collection account. {$330.00} All of the above accounts were open between XXXX and XX/XX/2023. Each fraudulent account is associated with a different address in Texas.These collection accounts are not mine. This is identity theft. 

Transworld System Inc also opened a XXXX power utility collections account in XXXX. Information below. 

Account name XXXXRANSWORLD SYSTEM INC/ Original creditor XXXX XXXX XXXX XXXX - Account type Collection Date opened XX/XX/2023 Status Collection account. {$180.00} Lastly, there was another power utility identity theft fraud account opened in my name in XXXX by XXXX XXXX XXXX. This account was also opened in Texas. See below for details. 

Account name XXXX XXXX XXXX IN Original creditor XXXX XXXX XXXX XXXX  Company sold - Account type Collection Date opened XX/XX/2023 Status Collection account. {$840.00} I called each power utility and they informed me that in Texas, you do not need any identification to open a utility account. You can simply provide someon'w social and you can start service. I also asked if they could flag my name and social to prevent someone else from using my private information to start a new account. They said no. This is ridiculous. These companies should not be able to operate if they can not protect everyone 's information.
Product: Debt collection

Jefferson Capital has been sending letters to an address that I do not and have never lived at. I have no way to receive these letters and I have never received any correspondence from them at my home address or via phone or email. They are sending personal letters with identifying information about me to a home I do not reside at.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Against Chase Bank for Failure to Provide Timely Access to Funds and Potential Discriminatory Practices Dear Sir/Madam, I am writing to file a formal complaint against JPMorgan Chase Bank ( Chase ) regarding a wire transfer issue that has caused me significant financial and emotional harm. Despite repeated attempts to resolve the issue directly with Chase, including sending a formal complaint letter to their Executive Office on XX/XX/year>, I have received no resolution or meaningful response. 

Key Issues : 1. Refusal to Process Wire Transfer : A wire transfer of {$100000.00} USD initiated on XX/XX/year> was repeatedly cancelled for alleged failure to verify my identity despite me having presented valid government-issued ID at a branch in California on two occasions.

2. Verification Failures : Chases system contains incorrect information required to verify my identity that was the result of their own internal error but Chase refused to fix the incorrect information or accept the correct answer. Additionally, I was subjected to unreasonable verification questions impossible to answer without deep document review. 

3. Lack of International Support : Chase does not provide verification texts to international phone numbers or make international calls, severely restricting my ability to resolve this matter with a Canadian-based cell phone.

4. Financial Harm : I incurred interest costs and lost access to a low-interest loan due to Chases delays.

Chases repeated failures appear to violate CFPB standards for timely and non-discriminatory access to banking services. 

I request an immediate investigation into this matter and demand appropriate resolution, including compensation for the financial and emotional damages caused by Chases mishandling of this wire transfer. 

I am attaching the letter I sent to Chases Executive Office for reference.

Please feel free to contact me at XXXX or XXXX for further information. 

Sincerely, XXXX XXXX
Product: Debt collection

LVNV Funding LLC - {$860.00} I have disputed this unknown Debt with both the Collection Agency listed above and the original debt owner/ issuer listed on my credit report. 

I
Product: Credit reporting or other personal consumer reports

I PREVIOUSLY REQUESTED A BLOCK DUE TO IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

Dear Identity Theft and Fraud Department : XXXX/EQUIFAX/XXXX  I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts which are a result of identity theft or fraud : Take a look at the attachments Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, 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 days after the date of receipt by such agency.
Product: Debt collection

The credit company is midland credit management they reached out to a member of my family whom I do not speak with and is on bad terms and they had disclosed my information to them. This was on XX/XX/2021
Product: Debt collection

On XX/XX/20 i noticed a collection agency trying to collect a dept that i have no knowledge of i dont know this company nor have i signed any agreement with them nor there affiliates
Product: Credit reporting or other personal consumer reports

THERE ARE CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE. PLEASE REMOVE IMMEDIATELY. THEY ARE BELOW. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is, XXXX XXXX XXXX. I have had a koals credit card with their company for a few years back in XX/XX/XXXX- approx XX/XX/XXXX, into XX/XX/XXXX when a friend of mine had added clothes to my basket with out my knowledge as we were leaving ... I assumed she had checked out and was throwing he things in with mine .... well she had not paid the sheriff at the door summond both of us and went went to XXXX. I used my credit card for all of my purchases however they were taking and should have. My issue is I was band from koals and could not come into customer service to find out what I owed or if anything, I receive a phone call after over 300 dollars of late fees and was told I would be in collections I have no idea why I was grabbed thrown Im XXXX with out the options to come to the store and pay my card as I had always done at customer services and now my CREDIT report has several delinquent payments ordering that will stop me from recieving my XXXX XXXX medications because I can not get and credit help to earn back.. I feel like this was a very mean unprofessional and I will send them to the XXXX XXXX XXXX. Thank you for any help XXXX XXXX.