23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a washer and dryer set from HomeDepot.XXXX which was on sale for Cyber Monday. The total came to {$1700.00} and at the bottom of the checkout page it said : " GET {$100.00} OFF* and pay {$1600.00} instead on your qualifying purchase, plus receive 6 months everyday financing** on purchases over {$290.00} when you open a new card ''. 

I clicked on the Apply Now button, went through the process to open a Home Depot credit card and when it brought me back to the checkout page and applied the {$100.00} off credit card promo it actually raised my total by {$100.00} to over {$1800.00}. 

I called Home Depot customer support and they put me on hold for a while to look into it. When the man came back on the line he said that I had a washer and dryer promo applied for {$200.00} off and I could not apply the {$100.00} off promo on top of that so it was removing the {$200.00} promo, applying the {$100.00} off promo and instead of dropping my price to the advertised {$1600.00} it was actually raising it to {$1800.00}. He said that the credit card ad appears at the bottom of all checkout pages and I can not get the {$1600.00} price advertised and offered me a 10 % off coupon for my next purchase. I declined the coupon and told him that I only applied for the credit card because it said my price would drop to {$1600.00} and I have no use for a Home Depot credit card and I want the card closed and credit pull removed from my credit history if they can not honor the advertised price. He told me to go ahead and do that. 


The website is purposely misleading and leads people to think they'll get {$100.00} off THAT purchase. It even said {$1600.00} in the ad! I take issue with that because they literally took my {$1700.00} cart total and deducted {$100.00} in the ad but then did not honor it or make it clear that I had a conflicting promo applied to my items. This is a clear " gotcha '' to lure people into applying for their credit card. I've attached screenshots for reference.
Product: Debt collection

Portfolio Recovery is attempting to collect debt that I have no knowledge of. Calling at all hours of the day and night, sometimes trying to be deceitful by changing numbers to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A section 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information, any adverse item information, other records of convictions of crimes which antedates the reporting 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX {$15000.00} ] ACCOUNT NUMBER. XXXX OPEN XX/XX/year> XXXX : [ XXXX XXXX XXXX XXXX {$15000.00} ACCOUNT XXXX OPEN XX/XX/year> XXXX : XXXX XXXX DATE XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX XXXX XXXX XXXX XXXX made a hard inquiry to my credit report without my consents, and without my permission. Someone from XXXX, California used my XXXX information applied for a XXXX XXXX credit card. I asked them to put fraud alert, and remove this hard inquiry record because it is hurting my credit score but the bank is not taking an action to fix the issue. And this case with XXXX XXXX happened in XX/XX/XXXX as well. Same issue, I did not apply for a credit card but still received a hard inquiry to my credit. The bank till to this day has not removed that record. Please help me remove those unauthorized hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear XXXX, XXXX, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : SHard Inquiry XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CArd XXXX XXXX  XXXXXXXX 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 XXXX I am disputing this claim due to : The reason being I have no knowledge of ever applying to and of these creditors This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed mav be additional evidence to support my claim. 
Sincerely, By XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have this company call me called XXXX XXXX. The called me on my cell phone and on my work phone. They were trying to collect a debt from Wells Fargo and checking account I had in 2003 they had all my information that I can think of personal. They said they were going to serve me to go to court. When I asked for documentation they said they would provide it for me I gave them my debit card which was XXXX and then all of a sudden they did not want to provide me documentation and refused and when I asked for documentation they took it as refusal of payment. I have recorded them and they hung up on me but I did not tell them I was recording them. I attempted to call back and they hung up on me again. Everybody has the last name of XXXX. But they are harassing me at work and on my personal Phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND REQUEST : Refer to my prevoius complaint XXXX. 
I am requesting to have an incorrect address removed from my credit report. 

In XXXX XXXX, my then-husband, now ex-husband, XXXX XXXX XXXX moved out of the family home at XXXX XXXX XXXX XXXX, XXXX MD XXXX. At that time, we had a joint mortgage with XXXX XXXX. When XXXX XXXX changed his address with XXXX XXXX, XXXX XXXX mistakenly changed my address, as well. XXXX XXXX resided temporarily at : XXXX XXXX XXXX, Apartment XXXX, XXXX MD XXXX for the period approximately XXXX XXXX XXXX XXXX, before he relocated to North Carolina. At no time did I relocate from my home at XXXX XXXX XXXX XXXX, XXXX MD XXXX. I have resided at XXXX XXXX XXXX XXXX continuously from XXXX XXXX through the present. 
In XXXX XXXX, when I received written notification that XXXX XXXX had changed my address from XXXX XXXX XXXX XXXX, XXXX, MD to XXXX XXXX XXXX, XXXX MD, I ( 1 ) immediately notified XXXX XXXX of their error and ( 2 ) requested that my address be corrected to : XXXX XXXX XXXX XXXX, XXXX MD. XXXX XXXX has a record of that telephone call, as it took place on a XXXX XXXX recorded line. 
Pursuant to the Martial Settlement Agreement and divorce, the XXXX XXXX ( joint ) mortgage was retired in XXXX XXXX ; I obtained a new XXXX XXXX ( individual ) mortgage. 

** Please remove address : XXXX XXXX XXXX, Apartment XXXX, XXXX MD XXXX from my credit report. **
Product: Debt collection

I 've been with my financing company for almost 2 years now, and never really missed a payment. For 7-8 consecutive months in   XXXX    my payments were being withdrawn on time by this company without any problems. One month (  XX/XX/XXXX ) the payment decided not to come out and the company took it as a missed payment. I rarely check my account on bill day due to my knowledge of not having any money left. So for the next couple of month the payments continued to come out as if nothing happened. I never received a call or letter in regards to that one month that was missed due to not being taken out, which was also proven on my bank statements that the funds were available. So after a month or two went by and payments being made in those months ( XX/XX/XXXX  and   XXXX   & XX/XX/XXXX  ). I woke up one morning in the month of  XX/XX/XXXX  and my vehicle was gone. After getting in contact with the police department, I was told my vehicle was repossessed. I contacted the Finance company and was not given any cooperation with the situation on the matter. I was told I would have max of a week to pay the towing fee and 3 months worth of car payments totaling to {$1200.00} or my command will be contacted and car would be sold. After being threatened and hassled I received a loan to pay off debt to get car back which took 3-4 days. Then following this problem, for the months of  XXXX ,  XXXX  and XX/XX/XXXX  I was doubled charged a month of car payments of {$450.00}. After contacting the company they did not comply again, giving false payment information stating that I owed that months payment even though I was already charged for it. They then began to threaten to call my Commanding officer again if debt was not paid by a certain date. I was being hassled and repeatedly called every second by this company for months. I had to get a new phone number to resolve this issue.
Product: Vehicle loan or lease

I recently filed a complaint against this company for billing information mean incorrect they lied on the Response and now blocked me from all ways of making a payment Blocked me from the website keep me from making a payment and blocked me from logging into the website so I cant see any of my account information. Because they dont want me to pull anything up and show you that they lied. Which I have the proof I have no way to make my auto payment ..if I call sends me to generic recording.. I had to call from another phone number to get through to make my payment
Product: Credit card or prepaid card

I told the Bank of America that I was the victim of fraud. Under their watch, someone had stolen my personal information and charged {$1300.00} in merchandise. Many of those purchases were made in XXXX, a place I had not been to more than 18 months before those purchases were made. The B of A removed the charges and promised to conduct an investigation. Months later, they informed me I would have to pay the charges. Their letter argued that since I had received statements and had made payments to the account, I was responsible. Instead of apologizing for allowing my credit to be usurped, they demand I pay for those fraudulent charges made by God knows who. The letter also alleged that they have a signed receipt or a contract. I appealed their decision. I explained that the initial purchases were small and went undetected because my husband and I share this and several other credit cards. I generally pay all my bills at the same time and do not delve into the details of each purchase. Once the B of A credit card charges grew in size, I asked my husband, learned that it was not him, and informed B of A of the fraud. Moreover, I insisted that they show proof of signed receipts or a contract they relied on as evidence against my claim. They certainly have copies of my authentic signature and can easily determine that the fraudulent signature ( s ) do not match. In fact, I'm sure they did that already. Nonetheless, in their terse response, they repeated they had signatures but did not even allude to my argument that the signature could not be mine. 
I have called them several times to no avail. Their customer service representatives in this area do not work well. Less than an hour ago, the last one simply hung up on me while I was in mid sentence. 
Again, I don't know how The Bank of America could allow my data to be taken, then require me to pay for their mistake. This is re-victimizing me. They craft a weak argument, pretend they can't hear my response, then coerce me into paying for their lack of security.
Product: Prepaid card

yes I have been trying to get a cash up card and it keeps me and I can't get one
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report My XXXX  : Confirmation XXXX My Experian Report Number XXXX XXXX  lock me out and i'm not able to pull up a report number XXXX  XXXX XXXX {$12000.00} XXXX ( XXXX ) XXXX XXXX XXXX {$590.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX   {$3300.00} XXXX {$3600.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX Transunion, and XXXX to reinvestigate these accounts Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 below is the list I dispute to them a Charge off Collection or Derogatory account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I also dispute to them those open accounts that has late payments Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

Below are the open account I disputed that has late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, we purchased jewelry from XXXX XXXX. and they strongly recommended that we open a XXXX credit card account to take the advantage of paying off the jewelry over a period of time without interest. We followed their recommendation and opened an account. The card was actually with Comenity Bank. There were two different purchases. To avoid interest the balance of one had to be paid off by XX/XX/XXXX ( {$1800.00} ) and the other had to be paid off by XX/XX/XXXX ( {$5200.00} ). 
In XX/XX/XXXX, we noticed they charged the late fee and we called them, they refunded the late fee. And with their representative, we requested Comenity to set up automatic payments on the account in an amount that would pay off the balance by the XX/XX/XXXX deadline. Prior to that we had been paying {$450.00} a month on the account. Comenity started the automatic payments at {$310.00}, then changed them to {$300.00}. 
When we checked our XX/XX/XXXX bank statement, we saw that Comenity had continued to take {$300.00} out of our account, then we checked the Comenity statement and found that they still showed a principal balance on the account and had added over {$1500.00} in finance charges. We called to complain.

Comenity stated that the automatic payments were not enough to pay off the principal by XXXX, because it was minimum payment which is bad excuse because we set up with their representative for a minimum payment necessary to pay off the account in XX/XX/XXXX. We can not accept this excuse. We requested that they reverse the finance charge and allow us to pay off the remaining principal since the automatic payments were supposed to have paid it off without interest in XXXX as we discussed with their representative. They refused. 
After this, we saw the reviews about this bank, many people were trapped by them in this way or another. 
Our bottom line is that we talked to their representative and requested the autopay be set up to pay off the balance before XX/XX/XXXX ; the payment amount was calculated by them ; and they also automatically changed the payment amount from {$310.00} to {$300.00} in XX/XX/XXXX. 
We have made a payment to them for the remaining principal and need your help to get them to rescind the finance charge and change their behavior so more innocent people are not trapped and cheated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 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 ) 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Mortgage

1. My realtor/escrow officer is having trouble getting the payoff quote. 

2. The mortgage servicer sent my account to their law firm AGAIN, and I AGAIN got a pre-foreclosure letter from them, EVEN THOUGH the XXXX XXXXXXXX Assistance fund PAID OFF MY ENTIRE DEBT UP TO XX/XX/XXXX on XX/XX/XXXX VIA WIRE. 

XXXX was paid approx {$8100.00} to cover what I owed them. 

I am supposed to close on selling this house XX/XX/XXXX, and these issues are jeopardizing the sale of this property. I need assistance ASAP
Product: Credit reporting or other personal consumer reports

PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] : I am sending you this letter to initiate my request for your company to place a security freeze and surpress from sharing ANY information about me : XXXX XXXX XXXX 
I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violated the consumer, financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Credit Control out of XXXX XXXX, VA XXXX was hired by XXXX XXXX a cable/internet/phone company to collect a debt on a closed account in the amount of XXXX.

I requested to pay the vendor ( XXXX  ) directly and on 2 occasions stated I could not. This is untrue as I paid a partial payment directly to XXXX  on XX/XX/XXXX in the amount of XXXX  leaving a balance of XXXX.

XXXX ( operator at Credit Control ) stated if I didn't pay the full amount ( they would not offer any payment arrangements ) by XX/XX/XXXX it would go up XXXX and be reported to the credit agencies. She is one of the operators to state that I could not pay XXXX directly ( not true, XXXX took my aforementioned payment and it reflected on Credit Controls end ).

After speaking to another operator, they stated if I made the payment " AFTER '' XX/XX/XXXX then only would I see the XXXX collection fee and then it would be reported if not paid byXX/XX/XXXX.

By XXXX telling me that I had until the XXXX only for both penalties ( XXXX collection fee AND credit reporting ), I put myself further in a financially difficult situation by paying the full amount to get them to not only stop harassing me ( calling me frequently ), but to avoid a ding on my credit which is getting repaired by on time payments and good relations with my credit card companies and creditors.

XXXX of Credit control used intimidation and threats of a credit report by misleading me with information that not only my collection amount would increase, my account and lack of payment would be reported on XX/XX/XXXX. The key to this is that this information was INCORRECT!

The fee increase would happen if I didn't pay on or by the XXXX and the report would happen if the full amount and any collection fees were not paid by XX/XX/XXXX. It's because of this misleading, threatening and intimidating consequences that I paid the bill to avoid the threats of penalties and reporting based on the FALSE Date of XX/XX/XXXX.

I complained to a supervisor ( XXXX  ) but her only concern was that I pay them and they would no longer contact me and not the tactics of XXXX using FALSE information in order to satisfy a debt by threatening credit reporting and an increase in fees if not paid by a date that was not in fact the actual deadline.

This should not be legal or tolerated. If they have rights to report and add fees, they should do so on the days legally allowed. Why are they lying to consumers with threats of reports and fees on false deadlines if they have eventually the right to do said penalties per the law?
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

UNAUTHORIZED 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 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