23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX : I opened an account with XXXX XXXX and ordered XXXX products with them. After having numerous issues with these XXXX products, I took my devices to XXXX, who confirmed that XXXX was not in fact using XXXX components and misrepresenting that they were actual new apple devices. I contacted XXXX, informed them that they have breached any trust or contract with my by falsifying that they were providing me with XXXX products, when in fact they were " reconditioned '' devices with XXXX components. 
I ended my contract that was to be a clean break, no early exit contract fees, etc. with them and switched my service to another carrier. I do n't owe this money, my account keeps getting sold over and over again to new companies trying to collect on this debt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, 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 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 XXXX which falls under XXXX  according to XXXX  Debt Final Rule 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 victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion Please delete the following accounts XXXX  XXXX XXXX, acct number XXXX  XX/XX/XXXX XXXX XXXX, acct number XXXX, XX/XX/XXXX XXXX XXXX XXXX, acct number XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed ftc report for inquiries i did not consent, recognize, nor authorize.
Product: Credit card or prepaid card

After many attempts since XX/XX/2020 to get a refund from XXXX XXXX for airlines tickets cancelled due to covid-19 and the lockdown, on XX/XX/2020 I filed a dispute with Capital One-Dispute No. XXXX for {$300.00}. I sent all the paperwork required by Capital One, but on XX/XX/2020, Capital One sent me a letter denying the refund/chargeback to my account with the excuse that I did not submit a refund voucher ( attached letter ). On XX/XX/2020, I received an email from XXXX XXXX confirmation the refund in the amount of XXXX. Following Capital Ones recomendation, I forwarded the email to XXXX ( Travel Agency ). Since I did not receive the refund by XX/XX/2020, I sent another email to XXXX requesting the status of the refund. By XX/XX/2020 I did not receive the refund from the merchant, so I decided to call Capital One. Capital One reopened the case and sent me a link to submit the so called refund request for proof. Today, XX/XX/2020, and since I have not heard back from Capital One, I called Capital One and XXXX XXXX its representative ) noticed nothing was done on the dispute. She put me on hold for a few minutes, and when she came back to the line, she stated that the dispute was not going to be honored due that the time to dispute was passed. I could not believe what I was hearing, so I asked her to transfer my call to the complaint department. She stated there is NO complaint department. Then, I asked her if there is a phone number for a Consumer Advocacy Office to talk to them before I file a complaint with the CFPB, and she also stated there is NO such office. Not only Capital One is avoiding and not following its duty to properly investigate my dispute with legitimate facts, they are violating the Consumer Protection act to protect me against fraudulent, malicious and unscrupulous merchants who are keeping a refund that is rightfully mine. I am submitting a CHRONOLOGICAL TIME OF THIS DISPUTE. This dispute was presented since XXXX, and as I got the information necessary, I sent it to Capital One in a timely manner. Attached are all the paperwork submitted to Capital One and necessary to support my complaint against Capital One.
Product: Credit card

I used my Chase card many times and was careful to call, many times, to make sure what I intended to happen, would happen. I used the card to charge, and was told that if I paid anything over the minimum payment, the remainder would be applied on balances with higher interest rates OR if I used a balance transfer from another company, the higher interest items would be transferred. I did several balance transfers, the last being around XX/XX/XXXX and started to enjoy the 0 % interest, which I paid for with balance transfer fees. I had a couple of these and the least amount of time I had was 15 months before it went onto regular interest charges. In XXXX Chase insisted first : that I had defaulted on a payment and ALL fees were now at 14.94 %. In all the years I have had Chase, I have NEVER been late or defaulted. Never happened. In the first XXXX communications I instigated to them, I was told the rote statement ... ... .that once I defaulted, all the charges would go to higher percentage. All XXXX calls and it did not matter when I spoke to a supervisor. SSDD ... ... ..same stuff, different day. For the past year, I have requested from Chase and subsequently from the debt collector they set on me, to have Chase provide their explanation, showing where : ( 1 ) I ran out of " time '' on my transfers and ( 2 ) that I was ever late or defaulted. One year from XX/XX/XXXX to XX/XX/XXXX. There were more phone calls FROM me to them, messages on the statement inbox, all to no avail. Now, after one year, with the debt going from $ 8,000.00+ to $ 14,000.00+ because of the fees and 14.94 % interest they have wrongly charged me, I get a statement of maybe XXXX pages and you know what?? I find NOTHING that substantiates their claim. I NEVER defaulted, I was NEVER late and my 0 % transfers were good for the 15+ months I expected. So, where does that leave me. No cover letter or call explaining where they are getting this wrong info from ... ... ... ..just the statements. XXXX, I could have printed the statements myself. I suspect they are scamming me to try and get an extra $ 6,000.00+ dollars from me when they are wrong. I have another Chase card and I pay it religiously, just like my other cards. Period. 
Thanks for listening to this and I can tell you, I am sick of it but do not owe it. They offered to settle with me for $ 11,000.00+ dollars ... ... ... ... really? I owed {$8000.00} and they have still not explained how they came up with this wrong info.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Has violated my Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Product: Money transfers

XX/XX/XXXX I opened XXXX accounts in Bank of America ( Savings & Checking ) XX/XX/XXXX My father wired {$14000.00} to my account through XXXX XXXX Office XX/XX/XXXX I traveled to XXXX XX/XX/XXXX Signed in to my online banking app and checked the amounts ( See attachment B ) XX/XX/XXXX {$2000.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$2500.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$6000.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX {$3400.00} of {$14000.00} got into my account ( See attachment A ) XX/XX/XXXX Received an email from BOA stating that my account balance is under {$25.00} ( See attachment B ) XX/XX/XXXX I transferred {$25.00} to my account ( My only transaction while in XXXX ) XX/XX/XXXX I got an email from BOA ( See attachment C ) but I could n't access my accounts online XX/XX/XXXX {$32.00} of {$14000.00} got into my account ( See attachment. A ) XX/XX/XXXX Back from XXXX, Contacted BOA, I was informed that my accounts have been closed. I could n't get any of the communications between BOA and me in written form XX/XX/XXXX I received XXXX cashier 's checks for my account balance ( See attachment D ), the bank had taken all the fees I owed on my accounts, including my credit card debt ( total credit limit= {$700.00} ). Taking all the fees into account ( I was denied from access to my banking records, so it was a rough estimate ), there was a large sum short. I called the bank asking about the missing amount, I was told that the bank has claimed {$6000.00} of it due to my " illegal activities ''. XXXX XXXX XXXX ( from Global Financial Crimes and Money Laundering Department, if I remember correctly ) refused to provide further information other than claiming that the source of the money was on some kind of list for money laundering and the person who wired the money could not have been my father. 

Since XX/XX/XXXX I have received notes from Bank of America ( See appendix E ), followed by phone calls from a debt-collecting agency, claiming that I owe {$1300.00} to the bank.
Product: Mortgage

I cannot close my short sale without the Assignment of Mortgage from this lender after short sale has been approved on XX/XX/2015. Me, my realtor and law firm company called Green Tree Servicing and left several messages requesting this to be done but nobody is helping us. My bayer is telling that they will walk away from the house if don't close by XX/XX/2015.....Not sure what to do !
Product: Student loan

I have been enrolled in an Income Driven Repayment plan for over 10 years and submitted to have my payments assessed to confirm they qualified for the Public Service Loan Forgiveness program. I originally submitted the certification form in XX/XX/XXXX. XXXX XXXX determined that 0 payments qualified from XX/XX/XXXX to XX/XX/XXXX ( payments should have started counting in XX/XX/XXXX ) without providing any reason or documentation as to why not. I called customer service on XX/XX/XXXX to try and determine why the previous 8 years of payments would not qualify despite being on an IBR plan, making auto-payments ( on time ), and working full time for XXXX XXXX the entire time. After being transferred to a supervisor, he appeared to agree with me ( though could not confirm directly to me ) that the previous payments should be qualifying. He said he would put in a new request to review and make a note of what he thought and to a note to try and expedite the process. I have called periodically with customer service not being able to provide any updates on the status of that review. It is now XX/XX/XXXX, 9 months later, and well past the the original estimated 45 days to get any sort of rationale as to why those payments shouldn't count. With the introduction of the Temporary Expanded PSLF program there is a possibility I could apply for forgiveness as early as next month but I still don't know the status of the payments I've made.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my Experian credit report by XXXX XXXX. The account in question, account number XXXX, does not belong to me and is incorrectly attributed to my credit history. This is not being reported on XXXX or XXXX, only Experian. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and privacy of information contained in consumer reports. The specific sections of the FCRA that are relevant in this case include : Section 609 ( 15 U.S. Code 1681g ) : This section entitles consumers to request all the information a consumer reporting agency has on file.

Section 611 ( 15 U.S. Code 1681i ) : This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information. 
Section 623 ( 15 U.S. Code 1681s-2 ) : This section mandates that furnishers of information, such as XXXX XXXX, report accurate information and correct any previously reported inaccurate information. 
The presence of this erroneous account is not only a violation of my rights under the FCRA, but it is also causing significant harm to my creditworthiness. As a result, I am facing undue hardship, including difficulty obtaining new credit and increased financial stress.
Product: Credit card or prepaid card

Amazon/Chase Credit Card : When items are returned to XXXX, the box for " credit amount to original payment method '' is checked every time. The original payment method is with the Amazon credit card- Chase. Instead, XXXX  places the amount in an XXXX  gift card - without any notice or authorization. The only way to redeem the " gift card '' is by entering a claim code or to buy additional merchandise and use the amount in the " gift card ''. XXXX  does not give a claim code.

I still have to pay the balance of the purchases to Chase even though I have returned the merchandise. 
When asked, Customer Service at XXXX  has gone back through purchases and figured out some of the purchases that apply to the " gift card '' and credited that amount towards the credit card balance. However, they haven't been able to get all of them. Irrespective of my requests, this issue with the " gift card '' has happened repetitively, and thus my complaint to you.
Product: Debt collection

A collection agency is sending a false statement to all XXXX major credit bureaus regarding my account. The false statement, " the consumer disputes this account, '' or variations of this statement has caused me to be declined for credit from a major mortgage lender. I contacted the collection agency by phone on XX/XX/XXXX to discuss the erroneous statement. I was informed by one of their customer services agents that I would need to submit to them, the collection agency, a request to have the statement removed. I reminded them that I never " disputed '' this account with them, therefore, they should remove the statement without requiring me to make such a request. I was informed by the customer service agent that I made a request for validation of the debt in XX/XX/XXXX and they considered that to be a dispute. I asked if the language of my request included " dispute '' language and they said that the very nature of me requesting validation is considered by them a dispute. I asked if I had used dispute words, or wording, on my debt validation letter, and they verified that I had not used the wording ( they were able to read the letter to me ). I then asked them to contact the credit bureaus and update the information on my credit file and eliminate the dispute statement. The agent said they could not do that without a request from me. The agent offered a solution, I could go to their website and send an email to them, the collection agency, stating that I request the dispute statement by removed, and then they could remove the statement. I then proceeded with their requirement. The agent then saw the email, opened it and informed me that they would contact all XXXX credit bureaus immediately and have the dispute statement removed. I contacted XXXX by phone on XX/XX/XXXX to determine if the dispute statement had been removed. The customer service agent from XXXX indicated that the statement was on the account and was placed on the account the proceeding day, XX/XX/XXXX. I asked the agent if the dispute statement was on the account prior to XX/XX/XXXX and the agent said, " no, the dispute language was removed in XXXX of XXXX at your request. '' I believe that the collection agency is knowingly placing the dispute language on my account at each of the credit bureaus as a way to damage my credit rating, specifically as it applies to securing mortgage financing. In summary, I never disputed the account with this collection agency, just asked for validation of the debt in XXXX. They validated the account information in XXXX and placed a statement on the credit bureaus that I was disputing the account. I have made multiple attempts with each credit bureau during the months of XXXX and XXXX to have the statement removed, only to have it added back by the collection agency. I was denied credit due to the dispute statement. I contacted the collection agency on XX/XX/XXXX and went through the required process to have the dispute language removed. It was placed on the XXXX credit bureau the following day and as of today, appears on all XXXX major credit bureau reports. ( XXXX ).
Product: Payday loan, title loan, personal loan, or advance loan

I booked a hotel with XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX for XXXX XXXX XXXX, XXXX and paid in full through Affirm installment loan for {$740.00}. On arrival the hotel would not accept this reservation or payment. To secure the reservation I then had to pay AGAIN with my XXXX XXXX credit card. I contacted The Reservation Desk XX/XX/XXXX at their toll free number XXXX. They are not providing any refund and stated it is up to Affirm to provide the refund. Affirm was also been contacted XX/XX/XXXX and stated they will open a dispute and I can expect a resolution in XXXX days. I contacted Affirm again XX/XX/XXXX, and they stated there was no response from the merchant and another 30 days is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX  that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.
Product: Checking or savings account

I joined Chime almost 5 years ago. Its been a great bank. Then, XX/XX/2021 my account was compromised by someone who has an old ID of mine. They changed the email and phone number and locked me out of my account. I immediately called Chime to notify them I got a notification my phone number changed which I didnt change. They had me send in Identity documents including a selfie of me holding my ID. After several weeks, they corrected all my info back to the original information and then immediately closed my account. They mailed me a closure check for {$24000.00} on the XXXX of XXXX. When I received the tracking information, on the XXXX, it was already out for delivery in the WRONG state. I immediately called and asked how did this happen, I specifically instructed them not to modify the address because this hacker has my old ID and will be able to cash the check. The cancelled and reissued check. After going back and forth with them over the week about details of the suspected hacker, was told by several agents the new checks were set to arrive at the correct address today, Friday the XXXX between XXXX. It never arrived and my fear is that somehow the hacker intercepted the check again. I cant confirm because they havent provided the tracking details still. Upon calling them in a panic, was told there was not a new check mailed. I havent been to the grocery store since XX/XX/XXXX. I havent eaten in two days. I have no gas in the car and cant leave my home. They dont even know where my money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accurate information I'm a victim of id theft
Product: Credit card

I obtained a balance transfer to this Discover card with 0 % interest. Subsequently, I made some purchases at the regular purchase rate of 15.74 % in the amount of {$520.00}. In XX/XX/2017, I noticed that the " balance subject to interest '' was now at {$610.00}. I paid {$620.00} that month believing that I would only have the balance without interest remaining. However on the next statement the balance subject to interest was standing at {$430.00}. At this point I called customer service at Discover to find out how much I needed to pay to avoid paying any further interest fees and was told they had no way of knowing. The customer service representative said to call back next month ( after another month of accruing interest ) to find out how much I would need to pay to eliminate the balance subject to interest. 
I feel this " balance subject to interest '' on the statement is deceptive and that there should be an easy way for consumers to determine how much is needed to eliminate that amount.