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

On XX/XX/2022, I purchased two pairs of eyeglasses from XXXX XXXX XXXX XXXX in XXXX XXXX for {$370.00}. The salesclerk did not itemize each pair, which I thought was deceptive, but I didnt say anything at that time. 

Weeks went by and I hadnt heard from the salesclerk and that was because she was calling my home phone that was not working properly. I really never understood why she did not try by cell phone or send me an email. When XXXX XXXX sent me a bill in XXXX, I called them and informed them that the salesclerk never called me ; I never picked up those eyeglasses. So, they began a dispute investigation, so I thought. 

Several days later XXXX notified me about setting the reset button on the back of the phone and there were all of my messages for the past month. So, I called XXXX XXXX and told them the salesclerk had called me, but I no longer wanted the glasses. The representative told me to go to the XXXX XXXX and ask for a credit. 

I went to the store on XX/XX/2022, and told the same salesclerk that I needed a credit because I no longer want the eyeglasses. She told me XXXX XXXX return policy exclusions on custom made eye wear was for a XXXX period for a full refund. I asked her why she waited until now to tell me this. She said because no one ever says they dont want their glasses. She then gave me the pamphlet concerning the refund policies. I became upset and told her I did not want those glasses and left. 

On XX/XX/2022, I mailed a certified letter to XXXX XXXX ( it was delivered on XX/XX/2022, at XXXX ) telling them I did not pick up those glasses because of the salesclerks attitude and the fact that she neglected to tell me about the return policy at the time of purchase. So, XXXX XXXX sent me a bill requesting payment for those glasses. I refuse to pay for something I dont have, especially when the purchase was made under deceitful conditions. They have yet to responed to my complaint. 

I have 4 credit cards with this bank and every last one of these cards has given me problems with merchants making erroneous charges and the bank takes an excessive amount of time to complete their investigations.
Product: Credit card

On XX/XX/XXXX, I made an online payment for my Home Depot store card. I was prompted to pay the full balance, but clicked a different option, showing {$130.00}. I selected that, confirmed my banking info, and moved on with my day.

The following day, I discovered a charge of {$1100.00} from the credit card company, {$1000.00} more than I had expected.

I contacted Home Depot 's card services and was told that while I will get my money back, an investigation may take up to XXXX business days, with a minimum of XXXX business days, if my bank gets involved and provides specific paperwork. Even with attempts to escalate this situation, the staff said they were tied by " legal requirements. ''
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX should not be reporting on to my credit report I have agreed to pay this account off and have one payment but they are still reporting this inaccurate account on my credit reports XXXX XXXX is violating many on my consumer rights Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am doing some follows ups and I have lost several XXXX points due to unauthorized inquiries and errors. I need to be re-scored and get my points back on my XXXX XXXX.
Product: Student loan

I am filing again a complaint against Navient Student Loan service YOUR bureau is supporting the XXXX XXXX XXXX XXXX ; folks like myself who were DECEIVED by being told if we make the 120 month payments : be eligible for XXXX Forgiveness. Lawsuit states there are MANY flaws in that expectation Also deception with WHY I qualified in every way except Navient 's reason : private loan Read the lawsuit now in force. 

I want to join that lawsuit and I want your help this time in making that a reality You blew me off a month ago, with a lame excuse of nothing you can do Well, THERE IS SOMETHING you can do!!
Product: Mortgage

select port polio, our mortgage co or what ever they are now ( use to be XXXX ) kept going up on our payments to we could not make them any more. tried the XXXX, program. sent in forms to them over 6 times, each time they said they still needed this and that, the last several we just copyed and sent back, and after receiving the same application said they had what they needed. couple of weeks later we were turned down. was sent papers by local sheriff ; s dept, to be out by a certain date. later they offered us the cash for keys option which we had to take. because we had no other place to go. now were living in a small camper. I am XXXX, my wife is XXXX, and we have a adopted son that is XXXX. myself and wife are also XXXX and only draw a small amount each month.i know it 's useless to complain, but this company is going back to doing the same thing when they were XXXX capital. after being put out of our home for over 20yrs. I just they could have worked out something with me so I could keep my family in a home and not a camper. thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and
Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

In 2019 XXXX started billing for yellow page advertising that was cancelled prior to the due date. 
XXXX was notified. 
XXXX sent an email verifying the amount was cancelled. 
2 different collection agencies continue to send demand letters, even after I send or fax them the verification from XXXX that the bill was cancelled.
Product: Credit card or prepaid card

I received a credit alert that someone had attempted or pull my credit on XX/XX/2023. I knew I had not, so I logged into my credit monitoring site, and there was COMENITYCAPITAL/XXXX. I had no knowledge of this company and why they would pull my credit file. I then immediately contacted XXXX to dispute the hard pull to my file. While waiting, the next day, I came home to a letter addressed to my husband with the same name COMENITYCAPITAL/XXXX on a letter. When he opened the letter, it stated they needed him to contact them to finish the application. My husband had not applied for any such account. We have not been able to get anyone on the phone. Also, XXXX removed this pull from my credit file. I am concerned this is some scheme or target. I need to know what I can do to protect my credit from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account ( account name -XXXX XXXX XXXX XXXX ( account number XXXX ) please investigate and provide proof with statements showing that these payments were late .if proof cant be provided I demand these late payment be updated to on time as they should be as I was never late, Thanks
Product: Student loan

I requested to have my IDR monthly payment recalculated due to a change in income from the COVID 19 crisis. I requested this on XX/XX/XXXX. On XX/XX/XXXX, I received a letter that my loan servicer put my account in forbearance. I did not request forbearance. They stated that anytime an application is put in, they put an account on forbearance. I have never seen this information written in any place and this was not the information that was given to me over the phone. It states that I will continue making my monthly payments until it is recalculated. As a result, my loan servicer is now telling me that all the unpaid interest on my account will be capitalized when they take me off the forbearance that I NEVER requested. Even though Trump has implemented no interest accrual on forbearance during this time, apparently, since I requested my payment to be recalculated instead of requesting emergency forbearance, now this doesn't apply to me and my interest will be capitalized. Their IDR office is not even open to recalculate payments. This is not my problem and I should not be punished by having my interest capitalized because Fed Loan Servicing can't properly handle their application. Fed Loan Servicing is fraudulent in how they handle loan repayment and will do whatever they can to find ways to capitalize the interest on your account.
Product: Debt collection

On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine.

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Money transfer, virtual currency, or money service

Cash app Closed my account for an invalid reason. When i reached out I couldnt reach a representative
Product: Mortgage

I previously made a complaint to the CFPB, at that time I told my experience to a representative and she paraphrased my statements. I dont feel like my experience was accurately detailed, which allowed the bank to respond by simply justifying the actions of their employees and denying any fault. 
On XX/XX/XXXX I applied for a loan to refinance a mortgage. My loan officer was very accommodating, she quickly called me right after I applied for the loan. From them on she quickly responded to calls and emails. Once the loan went to underwriting, she became more difficult to reach. At that time, I also had a loan processor that I was communicating with and providing the requested documents to. 
On XX/XX/15, I received my first closing disclosure I had several questions, some things were just me misunderstanding the document, and just needing further clarification as to how the payoff amount for the mortgage was calculated. However, I was also paying off a vehicle loan with this refinance. The payoff amount for the vehicle was incorrect. I wasnt sure why it was incorrect so I was asking if there were fees I didnt know of. I asked my loan officer to call me to discuss my questions but she did not call, just emailed me back. In her email she suggested the different amount was perhaps that I wasnt accounting for the interest that would have to be paid. She suggested I call and ask the vehicle loan department. All my loans are through this same bank, when I called the vehicle department, she even suggested the loan officer could have called her so o wouldnt have to. After speaking with the vehicle department, my question still wasnt answered, so I emailed the loan officer and processor again. The amount of the discrepancy could not have possibly been interest, but my loan officer stopped responding to me at this point. I havent heard had any direct contact with her since XX/XX/15 The loan processor responded and stated she wasnt sure why the wrong amount has been entered for the payoff amount but she would send it to the underwriter to be corrected and I would receive a new closing document with the amount corrected. 
I then received a new closing disclosure with the amount corrected, but my closing costs had went up by {$20.00}. I contacted the loan closing representative to question why this amount had changed. His email response was very short and dismissive. He informed me that the title department had increased their fees so the bank had to match it. I responded back and asked if he was suggesting I should contact the title company myself. He responded that I could and he didnt create the fees and he wished he knew why it changed. 
So I called the title company, while I was at work. To ask about the increased fee. She looked into it and told me it was a computer glitch and that she would email the closer to have him remove it. 
He did not attempt to even look into this problem for me, I did it, while I was working.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report because they are hindering me from obtaining credit. I don't recognize these accounts :XX/XX/XXXX{$550.00} XX/XX/XXXX{$800.00} XX/XX/XXXX{$420.00} XX/XX/XXXX{$710.00} XX/XX/XXXXXX/XX/XXXX {$410.00} XX/XX/XXXX {$1800.00} XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatoiy items on my credit histoiy. I then decided to pull my credit and I noticed several unknown items. XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these fraudulent accounts from my report. Thank you.
Product: Consumer Loan

I called Flagship in regards to my vehicle loan to let them know that there was a {$4700.00} check on its way to them. I asked to be transferred to the total los department as that was where I had been previously told that was who I needed to talk to. They bounced me around the first time I called and the. Sent me to someone 's voicemail. I hung up and called back. I asked to be transferred to the total loss department once agin. They transferred me to a female named XXXX who stated that she was my representative. I asked if she was in total loss. She said that she was not. I asked to be transferred and she declined to transfer me stating that she was handling my account. I informed her that the check was on its way from the gap insurance. She asked me to hold on and then placed me on hold. She kept me on hold for approximately 5 minutes. When she came back on he line she then proceeded to tell me that she had to transfer me to another department. I asked her why she did not just transfer me when I asked and she would not answer. She kept talking over me. I asked to speak with a supervisor. She said she would transfer me. The next thing I know I am listening to a XXXX recording. I hung up and called and spoke with a supervisor who stated that she must have dialed the wrong number.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the accounts i am talking about are listed below : inquiries : XXXX XXXX accounts to delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Received a Chase/ Amazon card I never applied for and before it even arrived it shows with a balance of almost {$300.00} ; in addition it allows for contactless which I do not trust to be secure. I verify there to be no transactions on my behalf or in my Amazon account to correspond with any purchases that could be on this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a late payment marked on my report several months ago. It was late due to being a XXXX  dealing with XXXX. I requested it be removed, but it has not been.
Product: Credit reporting or other personal consumer reports

I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for too many inquiries from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.   XXXX   date   XXXX   2.  XXXX  date   XXXX   3.  XXXX  date  XXXX  4.   XXXX   XXXX   XXXX   date   XXXX   5.  XXXX  date  XXXX  6.  XXXX  date  XXXX