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

I purchased  XXXX  gift cards issued by USBank from a  XXXX  on  X/XX/2017    at  XXXX   XXXX  CST. I loaded each with a value of {$500.00}. I have receipts and activation status receipts. I attempted to use the cards on the same evening at approximately  XXXX   XXXX  CST. None of the cards worked. I called USBank on  X/XX/2017    and was informed these cards were registered to a company I had never heard of. The cards were frozen with the original {$500.00} each. I was asked to fax my receipts, SSN, driver 's license, and card numbers to USBank and was promised a response i n four ho urs. After no response, I called and was told to call the next day. I called on  X/XX/2017   , and was told not to call again. They will call me later that day. I never received a call. On  X/XX/2017    I called and was disconnected. On   XXXX     2017 I ca lled and was told the matter would be resolved in  10 bu siness days. I called afte r 10 busi ness days and was told the matter would be resolved in 90 days, and that I should not call again. I called on  X/XX/2017    and was told the matter is under review, and they can not help me. So I 'm filing this complaint.
Product: Debt collection

I asked the company for my login information when the account closed. I also asked them to send me paper statements because I no longer had access to my account through the online portal or through customer service. The XXXX female who I spoke to every time they called my phone or I called the toll free number was very argumentative with me and refused to allow me access to my own account. There were excessive phone calls made to my phone for collections. There were demands, and the collection calls were abusive. They would not allow the minimum payment to be made. They forced the account closed and forced it into collection ruining my credit and causing a housing emergency. I have then experienced unusual collection practices at my new address as a result. It was always the same person who called me to collect the money. There were also payments made and not posted to the account. The collection practices were a female who is now stalking as the complaint is being written, and is currently actively stalking for the purpose of illegal debt collection and XXXX assault. There is one XXXX female and another who is XXXX.
Product: Credit reporting or other personal consumer reports

Complaint XXXX The inquiries below were made without my permission or knowledge, and I believe they are negatively impacting my credit score. 

This is the list of the inquiries that I am disputing : Inquiry by XXXX XXXX on XX/XX/2023 - EQUIFAX Inquiry by XXXX XXXX on XXXX XXXX- EQUIFAX I have made several attempts to contact the companies responsible for these inquiries, but they have been unresponsive and have not provided me with any information about why they made the inquiries or whether they have any legitimate reason for doing so. 

I have also tried to dispute these inquiries with the credit reporting agencies, but they have not been able to provide me with a satisfactory explanation for why these inquiries remain on my credit report. 

I believe that these inquiries are unjustified and have no legitimate reason for being on my credit report. They have caused me significant stress and financial hardship, as they have affected my ability to obtain credit and have lowered my credit score. 

I am therefore requesting that the CFPB investigate this matter and take action to remove these inquiries from my credit report. I believe that this action is necessary to protect my rights and ensure that my credit report accurately reflects my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 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 15 USC 1681.

These following names, accounts & addresses are incorrect and are violations to my rights : Name ( s ) : XXXX XXXX XXXX, XXXX XXXX XXXX Account ( s ) : XXXX XXXX XXXX  # : XXXX, XXXX XXXX XXXX ACCT # : XXXX, XXXX/DEPT OF XXXX ACCT # : XXXX, These following addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX PA XXXX, 15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681c. Section ( a ) ( 5 ) : States that 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 ) States that 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.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 my card was used in Florida at a company called XXXX XXXX XXXX  for {$200.00}... I've contacted my bank ( Brinks/NetSpend ) they said it's nothing they can do until it stops pending it's been 5full business days and it's still pending and the bank say it's nothing they can do but they ask for me to provide documents explaining the situation but they can't file a dispute so why ask me for documentation? They also told me contact the merchant which I did but it's nothing she can do either due to her experiencing fraudulent activity with her account as well ..I just want to know what I can do to have my money refunded back into my account
Product: Credit card

This chargeback got very confusing due to the amount of time that passed. Nonetheless, I returned both items in the Homedepot order using the prepaid XXXX  return labels that Homedepot provided for this HomeDepot Online Order # XXXX. I was given XXXX  prepaid return label from HomeDepot, XXXX tracking # XXXX. This return was delivered on XX/XX/2023 and I am still owed my full refund of {$360.00}. 

I used the prepaid return label given to me by the merchant, and the return carrier marked it delivered. The merchant has not disputed the delivery and has been unable to show any proof that i didnt follow their directions exactly and I returned the items. Goldmans Sachs erroneously decided Dispute XXXX. Because it has been more than 120 days XXXX no longer keeps the tracking online, but luckily i took a screenshot proving the return was in fact delivered successfully : ) I have attached that proof to this complaint as well. Goldmans Sachs might likely be discriminating against me because I am XXXX but i have sent them proof multiple times all items in the order were returned following merchant instructions and prepaid return label.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

While checking my credit report a few months back, I noticed errors concerning the accounts for XXXX XXXX ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ). This is a violation of my rights. I contested these errors with the three credit bureaus, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The companies is in violation of sections of 15 USC.

15 usc 1681 section 604a setion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file.Reform Act related to accuracy and fairness in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the ID THEFT REPORT. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with their firm pursuant of the FCRA Section 605b. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX
Product: Mortgage

I am in process of a refinance of my home and my mortgage company, United Wholesale Mortgage has not updated my payments for almost ( XXXX ) months making it appear that I have an unsteady payment history resulting in a lower credit score. I made calls into the company on XXXX occasions to fix this issue and nothing has been done. 

I made calls in XXXX and XXXX because the credit bureau does not show me paying any mortgage since XXXX of XXXX  and I have not missed XXXX payment in the XXXX  years i have owned my home.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Checking or savings account

Wells Fargo CD I had a {$30000.00} 6-month CD at a special 5.0 % rate that matured on XX/XX/year> with Wells Farg . I was traveling around that time, so I asked ahead to ask if I could transfer the money to my checking account upon maturity. They said no, I had to come in person. 

When I finally visited the branch on XXXX, which was 1day after the so called 10days grace period end. they told me the CD had auto-renewed into another 6-month term at just because I was too late, Id have to pay a penalty of three months of interest to withdraw my own money. I needed the money to pay off my property tax, so CD is not an option for me. I ended up paying the three months penalty to rush for property tax payments. 

I filed the complaint, a WF bank escalation representative named XXXX reached out. Unfortunately, he wasnt helpful at all. I explained that I was traveling during the 10-day grace period and came to the branch on the 11th day just one day after the cutoff to prevent auto-renewal. Despite this, I was still charged a 3-month interest penalty to withdraw my own money from a CD I never intended to renew. 

I asked for the penalty to be waived, given the situation. XXXX said he would research it and respond via a secure email which, by the way, required me to create a separate account just to read his message. A few days later, I got a cold, copy-paste response filled with fine print and policy language, essentially saying : We understand your frustration, but were not doing anything about it. 

Wells Fargo chose to hide behind their policies rather than treat a long-time customer fairly. Im incredibly disappointed. 

I do know other banks allow customers to do transactions online when CD mature or arrange CD goes back to checking upon maturity, but Wells Fargo force the auto renewal as the only option, and only give 10days to change, if customers are not available in person, this is what happens to me.
Product: Credit reporting or other personal consumer reports

**Contents of Complaint : ** This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX, Experian, and XXXX 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 receiving this complaint. 

The fraudulent, inaccurate, and false information consists of a personal credit card account opened .... 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. All of the accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or authorized by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached to this document are two filled reports from the Identity theft. Gov.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a complaint & legal suit against XXXX, Equifax, & XXXX These credit bureau agencies have reported inaccurate information ( letter from creditor attached ) XXXX XXXX XXXX XXXX HAS MADE A MISTAKE & ERROR BY REPORTING A LATE PAYMENT TO MY PERSONAL CREDIT REPORT! In which the creditor agreed it was a Error XXXX XXXX Equifax also have fraudulent inquiries that are not mines 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 XXXXXXXX did not update to remove the late payment from my credit report as the creditor requested I now have seeked a attorney to suit these credit bureau agencies for falsely reporting late payments
Product: Credit card or prepaid card

On or about XXXX XX/XX/2020 I purchased two hard drives from an on-line merchant through XXXX. When the two items arrived - they were significantly different from what was described. Specifically, the two 14TB hard drives actually were ( 1 ) a 10TB hard drive and ( 2 ) a broken/non-working hard drive. I tried to work with the merchant and he refused to accept a return. I notified Citi Bank and filed a dispute. Citi was horrible in their lack of communication and numerous times I had to reach out to them to check on the status. I received a notice that additional information was needed. I called Citi and asked what that was. I was told there was a letter in my account. I asked where. It was never posted to my account. I sent them screen shots showing that I did not get any requests for additional information and today, when I logged into my account, there was a notice that my inquiry was denied. On XXXX XX/XX/2020, I called the dispute department and requested my right to invoke arbitration against Citi as it is criminal to be victimized by a merchant and then to be cheated by a major corporation who does not even follow their own policies. XXXX said that I never returned the items - yet as I told XXXX, both in my letter and my calls I have said that the merchant refused to accept a return. I have even asked Citi, in writing, if they wanted the items so they could look at them. After over 2 months, Citi Bank violated their own policies and account terms and conditions by ( 1 ) failing to keep me up to date as to the status of my dispute, ( 2 ) stating that they needed additional information but never asking me for any information and ( 3 ) based on what XXXX said, it appears they never even read the materials or reviewed the screenshots that I sent them. I sent in the e-mail on XXXX XXXX and yet was told " we received the letter on the XXXX. '' I will attach that letter as part of this dispute. The law requires that a credit card company help their account holder ensure that a warranty of merchantability exists and that the company will conduct a fair and neutral investigation of the complaint. Citi had failed to provide even the basic duties of what a bank headquartered in the United States should provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sadly the pathetic nature of two organizations Experian who has now locked me out, continues to report balances incorrectly and has lowered my score even when I have paid down significant data! It seems this is a deliberate attempt by them to destroy my ability to gain financing. As for the CFPB another facade! You can not fix a simple auto fill. You evidently have staff who do NOT comprehend XXXX and you basically receive the complaint and immediately pass it along without reading it - then again maybe you just can't understand? What a pathetic nightmare.
Product: Credit card

I applied for the quicksilver credit card on XX/XX/XXXX and I applied thinking that I would get the {$200.00} bonus once I spend {$500.00}. I called Capital One to make sure that that the bonus would be applied to my account once I met the requirements and they told me I got the credit card, but the bonus wont be applied to my account because they said I only have good credit and not excellent credit, but when I look on their app called XXXX it says I have a score of XXXX and it says that is excellent credit on the app. So its a little misleading having them tell me I only have good credit when on their own app it says I have excellent credit. They said that will call me and send me a email in XX/XX/XXXX business days with a follow up. I have dealt with this same issue a few years ago with the savior one card where they gave me the card with the intro apr but no bonus was added to the card. This will be the last time I will be doing business with capital one for sure. Seems shady and misleading that they would let me qualify for the card and not give the bonus. Dont do business with capital one
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following account XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX delete this account XXXX XXXX XXXX XXXX please delete this account I have no knowledge of it. 

XXXX XXXX XXXXXXXX XXXX please remove all these accounts. I have no knowledge of them.
Product: Credit reporting, credit repair services, 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 15 USC 1681.

1XXXXXXXX XXXX opened XX/XX/XXXX {$210.00} XXXX XXXX opened XX/XX/XXXX {$420.00} XXXX XXXX opened XX/XX/XXXX {$900.00} XXXXXXXX XXXX  opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$530.00} XXXXXXXX XXXX  opened XX/XX/XXXX {$1600.00} XXXX XXXX opened XX/XX/XXXX {$520.00} 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 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.