23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a XXXX XXXX from a sales person named XXXX XXXX who is affiliated with XXXX XXXX in XXXX, Texas and was selling these beds in XX/XX/XXXX at the XXXX XXXX XXXX in XXXX, California. We purchased the bed from him at the fair. The bed was delivered to our home on XX/XX/XXXX. We were literally forced into accepting delivery on the bed on this date and were told that if we did not accept the bed they would charge us for it anyway. XXXX XXXX was not able to set-up the bed because we were doing renovations in our bedroom at the time. So their delivery drivers left the bed in our front room in the packaging that it came in. When we were finally able to set-up our King Size Split XXXX XXXX  ( with no set-up help from XXXX XXXX as promised in the contract ) I laid down on the bed and immediately realized that there was a problem with the bed because my legs were hanging off the bed and I did not fit on the bed properly. My wife measured the bed and it was XXXX inches too short length wis and too narrow in width. We immediately reached out to XXXX XXXX and they opened up a claim with XXXX XXXX and XXXX XXXX sent us a replacement bed. XXXX XXXX did not come to set-up the replacement bed as they indicated in their contract. We set up the bed and I still did not fit on it. In fact, I have fallen off the two beds, three times with one of the falls causing me to have to go to the hospital for injuries sustained from falling off the XXXX XXXX that does not properly fit me. I financed this bed with Wells Fargo Bank NA and they issued me a XXXX XXXX Credit Card. I have tried to work with XXXX XXXX to get the issue resolved and per XXXX XXXX, " We are not going to do anything else to help you. We sent you a second XXXX XXXX and that is all we have to do. '' I sent a letter to Wells Fargo Bank stating that pursuant to the terms on the back of my credit card statement with them " If you are dissatisfied with the good or services that you purchased with your credit card and you have tried in good faith to resolve the problem with the merchant, you may not have the right not to pay the remaining amount due on the purchase if the following are true : 1 ) The purchase must have been made in your home state or within XXXX miles of current mailing address and the purchase must be more than {$50.00}. 2 ) You must have used your credit card for this purchase. XXXX ) You must have not yet fully paid for the purchase. Wells Fargo responded stating that XXXX XXXX has an All Sales Are XXXX. No Refunds, Cancellations or Exchanges Policy and that they don't have the authority to honor what is printed on the back of their credit card statement. I paid {$7000.00} for beds that are defective. My wife tried to reach out to XXXX XXXX to address the issue with them and their response was, " You did not buy the bed directly from us so we have no liability for this. Please contact XXXX XXXX who sold you the bed for resolution. ''
Product: Money transfer, virtual currency, or money service

Been using the XXXX app to round up money and invest and it stopped rounding up in XXXX of 2019 and I havent been able to link my bank account back since then
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance of {$7500.00} and past due amount of {$600.00} is not correct because I disputed the charge with XXXX XXXX and they neglected to conduct the dispute investigation in a thorough manner and did not look all the documentation we provided. I never signed on the receipt of services for which the credit card was charged. 
The credit reporting agency, did not investigate my dispute and did not change my credit report and score.
Product: Credit card or prepaid card

I would like to get the prorated portion of my {$520.00} credit card annual fee on my Chase United XXXX which I opened in XXXX and was closed at no fault of mine by the bank in XXXX. 

The accounts was closed by the bank with no wrong doing on my part. The fee included perks ( XXXX XXXX XXXX access ) that I will not be able to use as a result of the credit card being cancelled. The bank claims that it is non-refundable which I can understand if I was at fault or cancelled. As decribed in the paragraph below, I did everything I could to respond to their complaince department 's request. Not my fault that they are inneficient and mistreat their customers. Speaking with two different Chase branch managers, they confirm that this is a recurring problem with their complaince department but they have unrestricted power to do as they wish within the bank. 

At the bank 's request I filed a completed and signed XXXX form five times. 4 at the bank office and 1 via mail over a XXXX month period staring in XX/XX/2023 in response to the same form letter I kept receiving. The last submittal was on XX/XX/XXXX. I signed the form at the XXXX XXXX branch of the bank in front of a banker and provided a copy of my XXXX card. He confirmed via phone that their complaince department had received it. On Tuesday, XX/XX/XXXX all my accounts were closed including my Chase United credit card. Upon calling the bank, the compliance department confirmed that they had the form but had not had time to process it. The statement was ; " Nothing we can do, If you want to do business with the bank, go to your branch and open new accounts ''.
Product: Debt collection

After reviewing my credit profile and XXXX XXXX report on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX was still in existence. XXXX XXXX XXXX XXXX was contacted in XXXX and they advised that the account now belonged to XXXX XXXX XXXX/ XXXX XXXX XXXX under acct # XXXX. XXXX XXXX XXXX was contacted and the debt was paid off in full however they have failed to report to XXXX  that the debt has been paid in full, nor to provide me documentation of the debt being paid off although they verbally confirmed this. Since XX/XX/XXXX I have tried several times to get into contact with them via phone call and email however I still have not received any documentation to support the debt being paid and as of XX/XX/XXXX the account has still not been updated in XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank is to remove their information from my report as I've disputed it several times in regards to it being paid in full and it being over XXXX XXXX XXXX. They haven't removed it and has also sold it to a collection agency whom is reporting negatively as well to retrieve what I don't owe neither am I responsible for after the XXXX XXXX. I would like these accounts removed please. It's been past XXXX XXXX and it's affecting me drastically as I am trying to rebuild. Please help resolve these urgent matters on my behalf. Thank you.
Product: Credit reporting or other personal consumer reports

There are accounts under my name that are a result of XXXX XXXX as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
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 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate, but how is this possible if the open date, date of last activity, and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate I am requesting XXXX, Transunion, and XXXX remove this accounts from my credit report due to inaccuracies and falsely claiming this information is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I became very ill and had to take a leave of absence from my job and move in with my family so they could help care for me. I called XXXX XXXX to notify them of this sudden change in my life to see if I could work out a payment plan with them. I had automatic payments set up to take care of the remaining balance over a period of 6 months. 

I was surprised to receive a letter in XX/XX/XXXX informing me that my account had been closed due to non-payment. The customer service representative I had spoken to originally had not marked my account for graduated payments or set up the automatic debit as agreed. I ended up taking care of the remaining balance, but XXXX XXXX would not re-open my account or take ownership for their CSR 's mistake. 

To this day, my credit report states that my account is somehow still open, but that it was also closed on XX/XX/XXXX. My credit report also inaccurately shows that my account was 120 days late between XX/XX/XXXX - XX/XX/XXXX. I was on a payment plan at that time, made every payment on time, and met all the requirements of that payment plan by XX/XX/XXXX, so there is no reason for that to be on my credit report.
Product: Debt collection

Well me and my brother are twins his social is XXXX digit off from mind completely the same except last digit his apartment is on my credit Ive called the in data people and they say the have his correct social on the account so Im wondering why is it still showing on my credit it doesnt belong to me at all and I want it taken off
Product: Credit reporting or other personal consumer reports

NOTICE OF VIOLATION OF 15 U.S. Code 1681c2 - Block of information resulting from identity theft. As Identity Theft, involves the misuse of another person 's financial and personal information ; In XXXX  2023, I filed an online Identity Theft report with the Federal Trade Commission and a copy of the same report was forwarded to XXXX XXXX, Equifax, and XXXX. In addition I provided proof of my identity and I requested an extended fraud alert. The credit reporting agencies mailed me proof that they received the request for an extended fraud alert but they never placed it. As a result, I called XXXX XXXX and a temporary fraud alert was placed on my XXXX XXXX file and this temporary fraud alert was then placed with Equifax and XXXX. However the credit reporting agencies intentionally violated 15 U.S. Code 1681c2 - Block of information resulting from identity theft as shown below and this complaint along with the other complaints and correspondence will be entered as evidence into the Court. When I alleged that certain accounts on my credit report were being reported without my consent and that there were no contracts to substantitate a debt then these accounts should have been blocked in accordance with 15 USC 1681c-2. 
( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Product: Checking or savings account

We have three Cd 's. all were selected with the option to have the interest credited monthly to my XXXX year old mothers checking account. It happened for a few months then stopped. 

I called and was told there was a problem with their program and the interest would have to be credited manually each month. They didit in XX/XX/XXXX but now nothing has happened in XX/XX/XXXX. I called this morning and was told someone would call me back. No one has called. My mother needs the money to live on. This isvery upsetting to her, at her age of XXXX. 

Citibank does not care
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I noticed on XXXX XXXX that there was a alert sent to me for two new credit inquiries in which I did not do. One was from XXXX  XXXX XXXX XXXX  and another one was for a XXXX XXXX I immediately called equifax first to tell them about these fraudulent inquiries. I requested a fraud alert to placed on my account but the representative told me I had to mail information to them in order for it to happen. I tried to go online afterwards to request a fraud alert and to request my credit file just to make sure nothing else fraudulent happened on my file .A error message appeared online saying I was unable to get my credit file and was unable to get a fraud alert placed but to mail information. I am upset because no fraudulent person would go online and request a Fraud alert to be placed on a account. I verified all my information and is still unable to even view my credit report yet the perpetrator is able to use my information and constantly apply for credit.
Product: Vehicle loan or lease

In XXXXXXXX XXXX XXXX I Had financial hardship and requested a payment plan from the credit union penfed XXXX and I was told by XXXX there is nothing we can do for the consumer and that they had no option to render the loan delinquent and sent to collections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have incorrectly reported to LexisNexis that I had a lapse in insurance coverage on XX/XX/XXXX for tenant/property/umbrella/inland XXXX coverage and on XX/XX/XXXX for auto coverage. I contacted LexisNexis and opened a dispute for the case to be reviewed. I also provided LexisNexis via their document upload facility with proof that I did not have any lapse in insurance coverage. LexisNexis mailed me a letter dated XX/XX/XXXX stating that they reinvestigated the case and checked with XXXX XXXX and believe that the information they have is corrected. This is notwithstanding me providing them with copies of the policies and a letter from the underwriter at XXXX that I received via my insurance broker confirming that there was no lapse.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ) concerning inaccurate information on my credit report. Despite numerous requests for corrections, TransUnion has persistently responded that the disputed information has been " verified, '' which is not only misleading but also untrue. 

The FCRA, under 15 U.S.C. 1681i ( a ), mandates that consumer reporting agencies conduct a reasonable investigation into disputes and correct any inaccuracies. TransUnion 's failure to remove fraudulent accounts and incorrect personal information that do not belong to me is a direct violation of this statute. Furthermore, I have evidence that these accounts were due to identity theft and a mix-up with another individual 's information. 

Additionally, I have gathered documentation that proves TransUnion did not perform due diligence in verifying the information with the original furnishers, which contradicts their claim of " verification. '' This negligence violates the UCC principles regarding the accuracy and integrity of credit reporting. 

The inaccuracies in my credit report have not only caused significant XXXX XXXX but have also resulted in substantial financial losses and wasted time that I can not reclaim. I am requesting that TransUnion immediately remove all accounts that do not pertain to me and take necessary steps to ensure compliance with the law moving forward. 

I will also be filing separate complaints regarding each creditor and account that has been wrongfully reported on my credit history, seeking maximum penalties to help recoup some of my losses. 

I have enclosed copies of the documentation that supports my claims and I urge your office to take appropriate action against TransUnion to protect consumer rights and enforce compliance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX Enclosures : Documentation ( statement ) of inaccurate accounts along with my Transunion credit report to prove the illegal reporting of accounts mentioned in this complaint for reference.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these collection accounts be removed immediately.
Product: Mortgage

I currently have a HELOC with ThirdFederal with a line amount of {$100000.00}. My rate is Prime minus XXXX with a 2.00 % floor. The rate is for the entire line amount, regardless of the outstanding balance. I inquired to refi as I saw that the offered a rate, Prime minus XXXX. There was no cost to me to refinance. I spoke to a rep. of ThirdFederal who confirmed the rate of Prime minus XXXX. I applied late XXXX and submitted requested documentation on XX/XX/XXXX. ThirdFederal sent me, electronically, disclosures to explain the HELOC. I signed, along with my wife XXXX, the application and an authorization to proceed. Neither signed document included the interest rate. Even though a different document stated that the rate was Prime minus XXXX if the balance was at least $ XXXX, Prime minus XXXX for less than $ XXXX and a minimum rate of 2.24 %, it was still my understanding that my HELOC would close at XXXX minus XXXX as that is what was told to me. We continued with the process and on XX/XX/XXXX I received an approval notice from ThirdFederal/XXXX  XXXX. Their letter stated I was approved with the following terms : Interest Rate : Prime XXXX %, 10 year draw and 20 year repayment and commitment expiration of XX/XX/XXXX. I asked to have the documents sent to me prior to closing to review so the signing of documents could be expedited. In review of the docs, they did not represent what was told to me and what was in their approval letter. The terms of the new HELOC is not a net benefit for me as even though the rate may be lower temporarily, if prime drops XXXX or I pay down to below $ XXXX, it would cost me significantly more money. This is a clear misrepresentation and a bank putting a customer is a worse financial position for their own profit. In speaking with XXXX XXXX, she agreed that the approval letter does not illustrate the true rate or minimum rate. She said she spoke to XXXX XXXX, her manager and is unable to honor the rate that was disclosed to me verbally and in the approval letter. I am writing to you for relief that they honor their approval of Prime minus XXXX for the entire balance with a minimum rate of XXXX  %. I believe that I am not the only person who may have experienced this, I just closely read the documents closely prior to signing. If other applicant 's documents were reviewed, you may find the same misrepresentation. This may be the reason they don't want to honor the rates on my loan as it would open them up for many more errors.
Product: Credit reporting or other personal consumer reports

My husband ( divorce pending ) opened XXXX fraudulent debts, consisting of a balance transfer/credit card and a personal loan opened solely in my name, without my knowledge or consent. My personal identification information was used to apply/transfer these debts without my knowledge. This occurred within days ( approx. XX/XX/year> ) of notifying him of my intent to separate. I was not made aware of these fraudulent balances until I ran a credit report ( XX/XX/year> ) The open loan balance was not authorized by me and I did not receive, utilize, or benefit from the loan funds. My husband also authorized a balance transfer from one of his other credit cards to a Citi card in my name without my authorization. The balance transferred to this card does not belong to me and is not the result of a debt of mine. I did not receive funds, utilize, or benefit from either of these debts, which was done without my knowledge or consent. 

I have routinely contacted Citi Bank to investigate and reverse these open balances. The process has been overly arduous and they are unwilling to provide key information including the mailing address for the fraud claim filing. The loan was applied for online without any identity verification process and Citi has not been willing to share a copy of the original application. They have been resistant to help generally. Citi is refusing to investigate further despite the information I have provided and their own lack of proper fraud prevention protocols.