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

I have credit score of XXXX but still my card application is denied due to the reason : We weren't able to verify your identify. 

Then later the reason is being mentioned that " Too many recent inquiries '' Please refer to the following CFPB complaints : XXXX ( XX/XX/2020 ) XXXX ( XX/XX/2020 ) I called Chase and had around 30 minutes of discussion about the same on XXXX XX/XX/2020. First with XXXX and customer Service ( XXXX, TX ) According to XXXX, within 12 months - 4 credit card accounts are opened by me plus my another chase account ( XXXX ) which was closed by Chase are the two reasons for the closure of my account. 

So essentially, every time Chase has a different reason for denying my credit card applications.
Product: Credit card or prepaid card

I was in their XXXX, Tx store in XX/XX/2023 and the sales person pulled the product I requested from the stock in the back of the store and wrapped it up and bagged it after I purchased it to have me pick up later. After picking it up I immediately put it in my suitcase to fly home back to Virginia. The store has wrapped it in tissue so I never saw the product until I got home. After arriving home I unwrapped it to find she had pulled a duvet cover instead of a set of sheets from the back of the store. I called the store and they sent me a label to return it. I then purchased two sets of sheets over the phone from her and returned the duvet via the mail. The sheets were now purchased on a new billing statement with the Frontgate card. Front gate initially tried to give me store credit but I got that corrected and they credited my Frontgate Card instead. Then I called the Frontgate CC to tell them what happened twice and that I did not have a balance due for that statement. The statement credit was there. They have been contacting me every day via phone calls and emails, texts too telling me my account needed attention. I called them again and explained yesterday. They even had waived the late fee as there is no balance for that statement. The two sets of sheets were purchased on the next statement and that balance is due on XX/XX/XXXX that I will pay in full. I am still receiving emails from them after the XXXX call. Why would I owe them a payment on a purchase that the store made an error in and was returned? 
I believe this is harassment as they are still trying to get me to pay for this product that I never received and returned the product sent in error..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the address XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX from my TransUnion credit report. My latest credit report shows that it is listed as one my address and I no longer have any involvement with this address I asked that it be removed. I also would like XXXX XXXX to be removed as my employment I no longer work with that company. Both address and employment information needs to be removed immediately!! 

Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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: Mortgage

I applied for a cash out refi on one of the properties that I own with this company. During, and leading up to our decision, my husband and I, did a little due diligence and found that on one hand ( primary their marketing program ) they came highly recommended. However, in delving into some of the personal reviews, we found a problem centered around the {$500.00} processing fee that this company charges in order to start any application to re-finance. Based on the skepticism forthcoming from these reviews, we made it clear with our agent i.e., XXXX that our fee would be refunded if they ( AmeriSave ) were responsible for derailing the process. Well, this is exactly what happened. I work for XXXX XXXX and was on sick leave. AmeriSave, in general, wanted us to get XXXX XXXX to issue some type of written guarantee that I would be returning back to work, with the same pay scale. This was not only an unreasonable request, based on the fact that XXXX XXXX does not issue such statements as a matter of policy, it made it an impossible request. Therefore, and based on our aforementioned verbal agreement, we asked that our {$500.00} processing fee be returned and were denied. At this point, our concerns that surfaced in reading the personal reviews about this company, doing this very thing as a matter of policy, we now found ourselves as a victim of as well. We now find ourselves in a fight that we intend to pursue upon every legitimate avenue available to us, starting with filing a complaint with the Consumer Protection Agency. Finally, it is not the money, we can afford to lose {$500.00}. We do this for those that are being ripped off by this company, especially the ones that can not afford to lose {$500.00}, but also do not have the time to fight this company in their scheme to rip off the consumers who fall victim to their scheme and based on our research of previous complaints ... this is a scheme. 
Finally, this company concluded that they denied me based on my credit report. Please see attached reports from me and this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Removal of Inaccurate Collection Account - Account Name : XXXX XXXX, Account Number : XXXX I am writing to bring to your attention an erroneous collection account that has been added to my credit report. As a consumer, I believe this account violates the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ) and request your assistance in having it promptly removed.

Account Details : Account Name : XXXX XXXX Account Number : XXXX Explanation : 1. Inaccurate Verification : I have been informed by the reporting agency that this collection account was verified, despite the fact that I have never had any business or financial association with XXXX XXXX. This verification process was conducted erroneously, as I have never engaged in any transaction or entered into any agreement with this company. Therefore, the account is incorrectly linked to my credit history. 

2. Financial Hardship : The presence of this unjustified collection account on my credit report has significantly impacted my financial standing, causing undue hardship for both myself and my family. It has limited my access to credit opportunities, making it challenging to secure loans or favorable interest rates. Removing this inaccurate account will help alleviate the financial burden we currently face.

I kindly request your immediate attention to this matter and the initiation of an investigation into the validity of the collection account. Based on the information provided, I firmly believe that this account should be removed from my credit report to ensure accuracy and fairness.

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Please provide written confirmation once the investigation is complete and the inaccurate collection account has been removed from my credit report.

Thank you for your assistance.
Product: Debt collection

I reached out to Macys regarding an attempt to collect debt. I settled the account XX/XX/2019. And asked them to send me something in writing that verifies I settled the account and do not have a balance. They refused and did not explain to me why they couldnt do it. I called several different times and got different answers every time. I needed this information so I can obtain a loan to purchase a home. I called repeatedly and asked if I can send a POA to have the credit bureaus call to obtain account information on XX/XX/2019 and Macys said yes and it had to be hand written. I hand wrote my authorization, called Macys to see if they received it on XX/XX/2019 and they said yes. On XX/XX/2019 I get a call from the loan office and they told me Macys would not answer to the credit bureaus. So this delayed my loan 5 days when Macys first told me they would answer to the credit bureaus as long as I hand wrote an authorization letter. I call Macys and ask to speak to a supervisor and the representative told me theres not much they can do and would not allow me to speak to a supervisor. I repeatedly told the representative of the miscommunication they provided me and really needed to talk to a supervisor and once again the representative stated the manager was going to tell me the same thing she told me. She placed me on a 15 minute hold, once I got a supervisor on the phone, she was not apologetic of the miscommunication that was provided, she showed no sympathy of my frustration, she did not offer to assist me in any way. I truly felt discriminated. I can not believe the unprofessionalism Macys has shown me. I felt disrespected. My time was wasted trying to get help.
Product: Credit reporting or other personal consumer reports

Please see attached letter, exhibits, and identification documents. The three accounts addressed in my letter were concluded to be DELETED according to the investigation results described in TransUnion 's correspondence letter sent to me on XX/XX/. Also attached as an exhibit. However, as seen in a copy of my credit report from XX/XX/, the accounts are still reporting. I am demanding this matter be taken care of promptly, pursuant to 15 U.S.C. 1681e ( b ).
Product: Debt collection

Recieved an email from Trueaccord.corp stating that I owe a debt of {$180.00} I do not know of this company and I do not recall doing any kind of business with Trueaccord.corp
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX Balance Owed : {$0.00} AFFIRM XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Owed : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello the reason why I am writing this complaint without prejudice because I realize building my credit again I made consent payment on a car loan that was under my name and my credit report. The company " XXXX  XXXX XXXX '' reach out and told me that I have to make payment on this loan after the loan price reduce from {$17000.00} to XXXX. As well as the start of a XX/XX/XXXX I start to make monthly payments on the following date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On the listed dates you will see on my bank statement, looking at my credit report these 's payment was not report on my credit report. After the payment on XX/XX/XXXX they told me that I will have to call them to rearrange a payment on another payment plan to continue to pay off the loan. I did not even receive any notice about this payment arrangement or plan. But I still try to pay it off to get a positive reporting but that did not happened. Base off " The Fair Credit Billing Act ( FCBA ) '', For disputes about billing errors '' failure to post payments and other credits, such as returns. I will like to challenge this auto loan inquiry that is damaging my credit report and history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from TransUnion regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. ) Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$43000.00} The above account is not mine, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} The above account is not mine, and I request TransUnion to remove it from my credit report. 


XXXX. ) Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The above account is not mine, and I request TransUnion to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXXXXXX, which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts 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

I am Submitting this complaint to you today to follow up the complaints and letters I previously submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX to remove the Disputed Fraudulent items that are completely UNKNOWN to me. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. I feel like the Credit Bureaus have not yet taken action to my previous complaint and I going to follow up the complaints O previously submitted. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX  XXXX  XXXX Balance Owed : {$350.00} XXXX/XXXX date of inquiry XX/XX/XXXX XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Mortgage

The appraisal was not done fairly. QuickenLoans representatives told me that they were not allowed to communicate with the appraiser to influence the valuation of my home. The appraisal was ordered on XX/XX/XXXX, XXXXthe appraiser came to my home about a week later. Two days after the appraisal the appraiser called me and said, Mr. XXXX they want to do this on 10 acres. 
I told him, They tried to do this in XXXX when I refinanced this same property. Why would I choose to do that when I have 8 acres free and clear with my current mortgage. I also said, Im not signing anything that has more than the number of acres already financed, 2.143 acres ( this amount is crucial to my complaint ). 
( Confirmation of the following statements can be found in the attached appraisal ) The appraisal was ordered on the XXXX of XXXX and was not completed until the XXXX of XXXX. In XXXX my home appraised at {$200000.00}. This appraisal would reduce my property value to {$170000.00}. The appraiser said  that he used the sales of other comparable properties to determine the valuation but none of them were outside the city limits, as mine is. Neither did any of the properties, that had been sold, have even an acre of land. The one comparable which had more than an acre ( not sold ) had under 1.5 acres. 
I can not confirm this, but the valuation of the remaining 8 acres is about {$3500.00} per acre. That amount times the remaining 8 acres would be $ XXXXthe exact amount of the difference between this last appraisal and the XXXX valuation. Were there not any other properties sold that compared more closely to mine? Two acres on my frontage road ( raw land ) would easily sell for {$10000.00}. I will also add that I have not gotten any indication from the appraisal district that any property values have decreased, but only to the contrary, they have increased! I should also add that I am XXXX and of XXXX descent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of fraudulent accounts on my credit report. It is damaging my credit and causing my scores to drop. This is violating my FCRA by limiting my ability to obtain credit caused by the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed seven number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX / XXXX. Date of inquiry, XX/XX/XXXX. 
2. US SM Bus Admin ODA. Date of inquiry, XX/XX/XXXX. 
3. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
4. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
5. XXXX  XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
6. XXXX  XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. 
7. XXXX  XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
This is my 2nd time reaching out to you and no accounts were deleted. This letter is a formal complaint that you are committing identity theft. You have failed to produce any documentation that shows I directly gave your company written authorization to place these items on my credit report. 
I am upset that you have included the information below in my credit profile. There are laws for credit reporting that ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in the documents.