23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a product from a retail established retail store XX/XX/XXXX. Received the item paid with a one time credit card via XXXX of XXXX item was a gift and never opened or used the birthday of the gifted person was XX/XX/year>, upon examining the item is was not what I ordered so initiated an online return immediately. Thru the retailer website, was sent a return label that I had to pay for to return via XXXX  XXXX. Package was repackaged UNOPENED and bubble packed tight and dropped at the nearest drop-off point XXXX less than XXXX miles from my residence. Item was 3LBS plus the box and wrappings making it a total, of 5LBS when weighed in and began tracking thia was all by XX/XX/XXXX, the next day. The retailer received the product XX/XX/XXXX and sent a email stating as such. I expected my refund 10-14 later XX/XX/XXXX. N0 refund. I've called a total numbers of 12 times minimum since the XXXX of XXXX. After stating through email thet GOT the item, I still received no money ( refund ) for an item they clearly admitted to receiving. I'm livid by this point and recently contacted them yet again XX/XX/XXXX, They now are back treading saying they didn't receive anything but yet saying now, the box was empty and they didn't get nothing in it, which is a out right lie. The shipping company weighed the package and a empty box doesnt, weigh 5 pounds... I want my money back from these people and since I used XXXX they think Im suppose to pay them for a item I don't possess but yet was acclaimed to have been received initially. scam company and I want my money back on the card I used to purchase the installment that me/and XXXX  advanced me the loan to pay it up front in full. Saks Fifth Avenue AND XXXX are the companies I dispute the non actions route they took.
Product: Bank account or service

I make a lot of money but depend on XXXX to pay me if and when they choose to. Therefore I have a cash flow problem but still try to pay my bills on time. I never gave Wells Fargo permission to pay the bills on bill pay when there is insufficiant money in my acount and I have gone in to talk to bankers often to help with this issue, but it continues. I get charged the maximum of XXXX bounced check fees every day that they pay my bills, so all the money I deposit gets eaten up in bank fees and I never get caught up. In addition, they withhold the checks I deposit as punishment for having bounced checks, and then they pay more bills and bounce more checks because they did n't allow the deposits I made to cover my checks!!!! I feel this is vindictive and purposeful abuse. I am also a senior citizen and can not retire when I ca n't save up money because Wells Fargo takes it all.
Product: Credit card or prepaid card

I would like to make a formal complaint concerning Capital One and the QUICKSILVER CARD Recently, I logged into make a payment. While on the site the last few months I have seen the offer for {$200.00} after spending {$500.00} bonus. As my card is new, opened in XX/XX/2021, I thought this applied to me. It has been on the dashboard since the card arrived. Today, I thought perhaps I needed to apply additional information to receive the bonus. Instead, I apparently applied for a new version of the same Quicksilver card? 
Please understand that it is not clear that application is for a new card, which I did not know could exist for the same QUICKSILVER product. Unfortunately, my credit report has now been hit with an inquiry because I did not understand nor intend to apply for this new card. 
I hope this feedback will help someone else not make the same mistake. Please note, I am a graduate student at XXXX XXXX in XXXX, but this was harder to understand than my coursework!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went in for procedures to be done and they were not. I had prepaid and the money was to be refunded to Chase. I NEVER made a payment on this account and the money was never refunded even after several calls and visits to get it done. I opened this account in XX/XX/XXXX. This is over 9 years and the insist on leaving this on my credit. I have contacted the credit bureaus and they wont take it off. Chase says I made one pmt around XX/XX/XXXX I think it was. Why would I make one payment? This was clearly another mistake they made by posting someones else 's pmt to my account. They also dont have any proof of this pmt. I want this off of my credit report for good. My credit limit was XXXX XXXX and the card was ran for XXXX XXXX.
I called Chase to get this straightened out and they were playing games for an hour transferring me from phone to phone. I finally hung up.
Product: Checking or savings account

YOUR CONTACT INFORMATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Bank of America decided to close my account with them in XX/XX/year> and to this day they have not given me a response nor have they returned the funds to me # account XXXX
Product: Mortgage

I have called 8 times to get my escrow account fixed. My insurance company XXXX was not paid in XXXX. Mr cooper paid XXXX  insurance instead without my authorization. In XXXX I got a letter from XXXX stating they were not paid. I called mr cooper they forward a payment to XXXX on the XXXX, and refunded the payment that was paid to the wrong insurance company XXXX. On the XXXX of XXXX the refund was canceled from XXXX. I am now short {$1300.00} in my escrow acount. They still have not fixed this.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX may make any XXXX XXXX containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
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 spoke with XXXX today XX/XX/year>. I explained to them that I am a victim of identity theft and that there are accounts on my credit report that were not authorized by me. I have been getting many calls from different agencies about debt that I owe, that I have never once signed up for or approved. I have a police report as well as an IRS pin.
Product: Credit card

I had a business credit card account with Bank of America. The payment was late. They took money out of my personal checking account without my authorization. When I called Bank of America they refused to investigate the charge. If they had a judgement I can see how taking money out of my account would be fine, but they do n't. My personal checking account is not linked to the business account ( for a reason ) and there was n't enough in the business account for them to siphen money from, so they took it out of a personal account instead. When I called to dispute the charge I was told that I 'd have to dispute it with the credit card department. If it had been any other creditor I would be allowed to dispute it with my bank for an unauthorized charge ( listed as a debit card purchase ). The representative said that the checking account was linked to the business credit card which is completely false, but still I did not authorize that charge. There is no judgement that would give them access to my account. If I were having this dispute with any other credit card company they could n't just take money out of my account without my permission or a judgment and the judgment would be against the business as again this is not a personal account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letted to verify the accounts on the credit report and was never provided proof of verification. More than 30 days have past. This has hurt my ability to obtain credit. There may have been defamation of character. I was taken advantage of due of to malpractice while several laws where being broken under the FCRA by your company this has caused me financial injury.
Product: Mortgage

Hello, We have a loan w/ HSBC and have been making payments since XXXX 2005, our original loan amt at that time was {$19000.00} and it is currently {$20000.00}. I have had to pay XXXX dollars in fees. I had paid the fees then told there were more, after review the new fees were removed. I wanted to see if there was someone that could review our acct as we are not understanding as to why our balance has in fact gone up. We feel that this loan is impossible to payoff. Thank you for your help!
Product: Debt collection

I contacted this company last year in the hopes of settletling a debt, the representative threated to send an attorney after me. Today i attempted to call them again and the representative XXXX would not let me speak, he claimed he did not want to hear my sob stories, that those were my problems not his.
Product: Credit card or prepaid card

Back in XX/XX/XXXX. I paid my minimum due on my card at the time I was on XXXX and my money didn't hit the bank on time so therefore my check was returned twice. Capitol one then closed my account. I called spoke to an account specialist on XX/XX/XXXX. She advised me that if I made 3 consecutive payments on time they would reopen the account. Since then I have made more then enough payments on time. And will be paying off the account on XX/XX/XXXX. I have been calling to get my account re opened for close to a year now and yesterday XX/XX/XXXX and spoke to another account manager to see why they had not reopened my account his name was XXXX  ID # XXXX and he stated he doesn't know why the account manager would tell me that there are no notes stating that. I informed him if they monitor calls please play that call back and you will know that as a consumer I was right. He stated sorry he could not honor that. How sad that this company doesn't stand true to their word.
Product: Credit reporting or other personal consumer reports

This pertains to my previous complaints : - ID FOR COMPLAINT SENT TO TRANSUNION - XXXX - ID FOR COMPLAINT SENT TO XXXX - XXXX - ID FOR COMPLAINT SENT TO XXXX - XXXX I need your help to resolve this issue. I am exhausted from continuously communicating with the bureaus. I am not receiving any assistance. I have been a victim of identity theft, and these companies or individuals are taking advantage of my situation by exploiting my information. These fraudulent accounts and inaccurate reports have put me in a very difficult position. I am unable to apply for anything at this point due to the negative statements on my credit reports, which are not even mine. I am seeking justice for this unjust and delayed resolution. Please assist me. 

The following are the items that I need to be removed/corrected : XXXX ) I was not late for these payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 
The creditors did not notify me 21 days before with a statement, so there should be no late payments on this account. I demand to see solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. 

XXXX ) Remove these fraudulent inquiries : a. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Delete the fraudulent accounts : a. XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX ) I was informed that these would be removed from my account, but they are still here : a. XXXX XXXX XXXX XXXX XX/XX/XXXX b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I have attached a copy of my FTC report, CFPB report, ID, proof of address, and SS card.
Product: Debt collection

On XX/XX/2019, XXXX, agent of Gatestone Company, International, contacted my tenant via telephone and discussed a debt I allegedly owe XXXX XXXX, sharing non-public person information about this matter with the third party, including balance they assert I owe. I have since communicated with Gatestone Company to discuss the matter and requested that they cease calling about this matter and rectify the breach of privacy. 

I filed a separate complaint earlier today against XXXX XXXX, but subsequently learned that the company that actually made the calls and breached my right of privacy is Gatestone Company. As such, the complaint against XXXX  may be withdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent time and money on getting this resolved. The story and details are very extensive but long story short : I returned equipment in XXXX and asked for services to be turned off after I moved out of my parents home 'after ' the billing cycle was done but, XXXX kept services on. I did not find out until XXXX when I pulled my credit report and I contacted the Collection Agency and also disputed many times unsuccessfully. I finally contacted the Original Creditor, XXXX and resolved the matter directly with them and the representative told me that this debt would be recalled since there are many inconsistencies an I paid them directly. Waypoint updated as paid but this should have been removed since XXXX recalled the debt. I disputed and today XX/XX/XXXX the results were " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' this does not meet requirement of the Fair Credit Reporting Act. Please help me Waypoint is damaging my credit report incorrectly.
Product: Checking or savings account

My wife endorsed 2 checks for me to deposit those through the app. 

the checks went through but now CHASE decided to freeze my account and the deposited check funds ( XXXX ) because they were not able to verify my wife information, they were not able to find a phone number to contact her. 

we just moved here, in XX/XX/2024, my wife has a prepaid phone number with her name on it but was not enough to be verified. 

right now Chase wants to close my account without giving to us the deposited check funds ( XXXX )
Product: Debt collection

I received a letter from Portfolio Recovery in Reference to the below mentioned account number. This debt was cancelled by the original Credit Card Company after I disputed this debt as paid and also filed a complaint against the company, XXXX Bank. Portfolio has stated that I failed to submit information to prove that the debt was invalid, I did not receive any communication from Portfolio Recovery until today about this debt. It was cancelled in XX/XX/XXXX. I am enclosing the statement issued thru CFPB by Portfolio Recover after my filing and also I am faxing the letter that they sent to me, that I received yesterday. 

This debt was settled years ago thru another collection agency. 
Case number : XXXXRelated Case Number : XXXXBackStatus Response not disputedPortfolio Recovery Associates LLC said : Explanation of closurePRA purchased the XXXX Bank XXXX credit card account ending in XXXX from XXXX Bank on or about XX/XX/XXXX. Business records provided to PRA by XXXX Bank at the time of our purchase verify that the account was opened on XX/XX/XXXX, by XXXX XXXX whose social security number ends in XXXX and that a balance of {$620.00} was due on the account at the time of PRA 's purchase. 
In response to your dispute, we closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. 



ReliefIn response to your dispute, Portfolio Recovery Associates , LLC ( " PRA '' XXXX closed the account and requested that the consumer reporting agencies remove our tradeline for the PRA account ending in XXXX from their credit reporting. 





ResponsePRA received and investigated your dispute. We closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS WAS NEVER LATE XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$290000.00} XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Open. 
NOT MY XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX GA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX CT XXXX XXXX, FL XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typ NOT MY PHONE NUMBERS ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX NOT MT NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX CARD
Product: Credit card or prepaid card

I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with FIRST PROGRESS, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/. I told the credit bureaus to 'investiage ' every piece of information ' on the accounts I have listed below. Also i have attached the letter I sent out and here is the Tracking #. XXXX XXXX XXXX XXXX XXXX According to the FRCA The " investigative '' consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, reputation, personal characteristic, 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 account was 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 account are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report on XX/XX/21 # XXXX and reviewed items that violate my consumer invasion to privacy, consumer rights to privacy in addition no written consent by myself was given. 

15 U.S. Code 1692 15 U.S. Code 1681 15 U.S. Code 1681b The following are the items : XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  and Experian are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX XX/XX/XXXX I requested a security lift with Equifax to unfreeze my credit. Hours later, my credit with them is still frozen. I can not log in to their website and get the error : " We are temporarily unable to complete this request. Please try again later. '' The Federal Trade Commission states : " If you request a freeze online or by phone, the agency must place the freeze within one business day. If you request a lift of the freeze, the agency must lift it within one hour. '' Equifax is in violation of this and because their website also isn't working, there is no way to unfreeze my credit with them at this time.