23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX XXXX I got a alert for {$510.00} withdrawal then at XXXX {$480.00} on my chime account while my card was on my I called them right away to despite the transaction the said they was gon na investigate it they emailed me saying it was gon na take until XX/XX/XXXX they never emailed me back so I failed another despite because this is not right I live in New Jersey you can see this was in another state that I never been to in my life please help Ive been sleeping in my car from this
Product: Credit card or prepaid card

During the application process, the store employee let me know about the 0 % APR on all purchases, or the 10 % back in rewards options associated with the  Comenity Bank/  XXXX   XXXX  Credit Card. I thought those were great options and proceeded with the application. Once she ran my credit, she then gave me the disclosures ( after the application was taken ). Upon reading the disclosures I learned the APR was 27.49 % and the 0 % for 12 months had a minimum purchase amount of {$750.00}. I called Comenity Bank at  XXXX  and discussed this issue with  one o f their employees - she said there was nothing they could do about the inquiry and I would have to dispute the inquiry with the credit bureaus. I declined the credit card, due to the misinformation about the APR. I wanted the inquiry removed because if I had not received correct APR information prior to application, and there was no reasonable way I could avoid the financial harm I would incur with a 27.49 % APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a line of credit and they reported a social security is there is not mine as well 2 accounts doesn't below to me. 

I only used a ITIN # to paid and taxes is the only # I used for any bank transaction.I called transunion claim they can't see any account since I have an itin #, but I have the bank report show that information
Product: Debt collection

Mail company stating do not call work number. Also, call them to stated to not call work number. They still calling my work number.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XXXX hard inquiries from XXXXXXXX XXXX XXXX appeared on my TransUnion and XXXX credit reports. 

On XX/XX/XXXX hard inquiries from XXXX XXXX XXXX XXXX appeared on my XXXX credit report
Product: Credit card

I received a call from Shell on Sunday regarding my Shell Credit Card. She said that my account was delinquent. I checked my bank account and it showed that I had scheduled a payment for the full balance on the due date which was XXXX XXXX. I related that I had schedule a payment on the due date and they should have received it by now. She then checked Shell pending transaction account. She related that it showed a payment pending for payment of the full balance. She then related that it take 4 to 5 business days for a payment to clear. I inquired if I was charged a late charge for the slow processing of my payment. She said that I was charged a {$25.00} late fee. After I complained she agreed to reverse it ; however, it would take up to two billing cycles before it would appear on my account. I have noticed recently that I have been charged late fees on my Shell account. I checked back on my bank account on previous months and noticed that I have always paid on the due date but have been charged a late fee because Shell did not process my payment on time. My question is how many people has this happened. Is my account delinquent because Shell failed to process my payment in a timely manner? Shell is misstating the due date if it takes 4 to 5 days to process the payment?
Product: Credit card or prepaid card

Capital One Credit company was contacted during the Pandemic, when everything was on Pause due to shut down, including late payments and negative reports to credit agencies starting, in XXXX XX/XX/XXXX. I notified Capital One of my illness, and of a missed payment error and was told to submit the request, in writing. I was provided a corporate address. I submitted the letter, and the one negative report on my credit still remains. I contacted Capital One again in XXXX, and was given another address. I called about three weeks later to follow up with a supervisor, who told me there was nothing they could do, since I had a late payment history with them previously, they could not remove this one late report off of my credit report. I acknowledged that I have made late payments in the past that were not reported to the credit agencies, because they were only a few days late, but this was an exception and due to the pandemic, all credit agencies were supposed to grant a courtesy in regards to reporting negative payments due to the pandemic. I only had one excessive late payment, and I have not been late since. I explained that due to this, I was unable to refinance my home and the impact that it has had on my credit report. Prior to this, I had a 100 % payment history, and scared banking agencies looked at this recent blemish as an excused not to refinance a desperately needed cash out loan, which I needed to pay off my credit card debt. My Credit is currently XXXX, but I have a high debt to income ratio. The supervisor refused to make the adjustment, in light of my 2 mail request and the pandemic government order for them to do so, in order to lend consumers a helping hand, during a world crisis. How heartless can they be.
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. XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC1681 Section 602 States " I have the right to privacy. 15 USC 1681 Section 604 A, also states " A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Sections states " no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under Title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless -- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The first credit report that I sent to the XXXX XXXXXXXX XXXX  they could not understand it and asked me to rewrite the report and pay for a copy of my credit report to be sent to me.It 's a shame that one has to go through this mess to get ones credit report corrected rhey act like they don't want to do their job. The companies that I listed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they can't verify them than remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX charge off on my Trans Union bureau. Old, and disputed with all 3 agencies years ago when it first appeared. 5hey removed TU didnt. Found out when I applied for a mortgage. Went on their website to dispute, saw some incorrect demographic information on me, updated what was wrong- which locked me out from disputing the XXXX charge off. Tried to go back in a few days later and TU website doesnt recognize me and caught in an endless loop where I give my ssn and name and it just resets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that the following accounts be blocked from my credit report, I have stated before that I have no knowledge of the accounts and nor was I provided any physical verification of such. If the credit reporting agencies can not fix this situation. I will file suit and sue. The accounts inwhich I'm referring to is XXXX XXXXXXXX for the amounts of {$160.00}, {$140.00}, and {$110.00}
Product: Debt collection

MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Notice of Warning for Any Delay in Processing by Midland Funding, LLC To whom it may concern. 

I am aware of your attempts to delay the processing of many consumer disputes and challenges based on your belief that my disputes are duplicate Your delay is illegal, as it is the right of all consumers to receive ALL information concerning an alleged debt, and you have no legal basis for delaying the processing of those letters. 
However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. 
Code 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Mortgage

First off, Roundpoint is a dreadful company and should not be in business. I would NEVER do business with them if I had a choice. The only way they can get customers is to buy mortgages b/c no one would use them otherwise. Months ago, I questioned my escrow " shortage '' b/c they jacked up my mortgage by 15 % a month. It took them months to respond to tell me -- it's right, get over it. Then just last week I got a refund because they overestimated. Imagine that! 

Now, I log in today, XX/XX/23 to make a payment on my loan, and they have auto pay turned on and no way to edit it! I did not turn that on, and when you click the edit button, it's grayed out. I've never missed a payment, never been late. When you call, you can't get a person. They don't have a chat feature. They have a " request call back feature '' and they don't return calls. 

I want auto pay turned off and I want the ability to choose who services my mortgage.
Product: Mortgage

On XXXX I paid lending tree XXXX dollars a month recurring to resolve my credit score issue non of which were fixed.
Product: Credit reporting or other personal consumer reports

None of this information is mine, I need it to be removed. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill from XXXX in XX/XX/2023, but it did not provide a breakdown of charges. I called XXXX to request the statement of charges, but I did not receive it. In XXXX, I got my credit report which included a collection. I wrote to the collection agency to dispute this collection, and after 20 days, I received a final bill from XXXX. However, this bill also did not provide a breakdown of charges, so I have no idea what the {$1100.00} amount is for. I want to clarify these charges because I was not under contract with XXXX, and I sold my previous device to a retailer in exchange for credit toward a new phone. My new carrier, XXXX, checked with XXXX and confirmed that I did not owe anything. Please assist me in verifying these charges, as I genuinely do not understand why I owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXXXXXX XXXX has improper grammar it says the account is potentially negative and it says paid I'm saying that the monitoring of the account is incorrect it was paid the first two years of a four-year contract and a couple months was unpaid and then went into negative but the account was later paid off in the account is paid now they also settled then I paid I believe the account should say potentially settle and paid it should not say potentially negative although the town had a few months unpaid it was 2 years pay on the same account so it's just say potentially settle and paid and if it says potentially negative and paid off it is considered incorrect grammar
Product: Money transfer, virtual currency, or money service

Purchased a plant growing kit from a XXXX marketplace seller called XXXX for {$240.00}. Seller shipped item to an incorrect address. XXXX representatives were able to confirm this verbally. A significant amount of documentation has been provided to XXXX and PayPal providing evidence that the item was shipped incorrectly. Attempted to obtain a refund for {$240.00} on XX/XX/year>. XXXX representatives have repeatedly stated that they are looking into the matter, but have provided no resolution as of XX/XX/year>. I have also attempted to dispute the matter with PayPal, which is the payment service used for the purchase. To make matters worse, PayPal has mishandled the dispute in several ways. They used incorrect information provided by XXXX to make a decision in XXXX  favor. I believe that the XXXX  seller XXXX conducting business on XXXX website committed a type of consumer fraud, where they likely shipped an empty box to a random address ( FYI, XXXX will not provide me with a copy of the shipping label for my order, which is what PayPal insists they need to show that the vendor is at fault, nor will XXXX  provide me with the label since it has someone elses information on it ) knowing that it would be difficult for me to obtain a refund. This suspected dummy box was successfully delivered to some other address in my area, so XXXX is using this as proof of successful delivery. However, the delivery confirmation provided by XXXX shows that this was delivered to the wrong address, and also displays an incorrect delivery zip code. XXXX will not provide with a shipping label as it does not reflect my name and address, and subsequently, I can not obtain a refund via PayPal due to their requirements. I believe this to be a consumer fraud tactic, and can provide extensive email and chat conversations to support the accusation that Im making.
Product: Bank account or service

On Wednesday, XX/XX/XXXX was the last time I physically used my card I notice on Saturday, XX/XX/XXXX I did n't have my card. I did buy food at XXXX through XXXX the night before Saturday. Saturday morning I immediately called the bank and alert them but between the XX/XX/XXXX and the XX/XX/XXXX checks were deposited that were not mine and money was withdrawn actually in a large amount {$3500.00} what ATM gives you that amount in XXXX transaction since then I have been disputing this issue going back and forth they finally unfroze my account I deposited some money since everything was cleared through the bank and more of my money was taken now they tell me I ca n't open up more claims and that I had no limit in pulling out money my understanding most banks the limit is {$500.00} I ask for your help I 'm a XXXX helping my parents my mother is XXXX so I help with my bills and some of theirs as well as my sister expenses as she is in XXXX still I 'm trying to make a better life and paying for school it 's sad how a bank took almost a XXXX dollars no emails no contact no calls bank personnel very rude no professionism situation jumps from one person to another please I ask for help
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for assistance with my utilities with XXXX XXXX XXXX and XXXX. XXXX made a payment to account number XXXX. XXXX check number XXXX dated XX/XX/XXXX. Another payment was made on the same account number using check number XXXX, in the amount of $ XXXX-XX/XX/XXXX. A payment was made to EPAY from XXXX XXXX XXXX account number XXXX, in the amount of {$360.00} date XX/XX/XXXX. All of my transactions was being manipulated by the XXXX Family. They 've stolen my identity. Social Security Card have been stolen, my drivers license have been stolen. All my former employers have been changed with all three credit agencies. My last employer from XX/XX/XXXX-XX/XX/XXXXis XXXX XXXX XXXX XXXX . Their ein number is XXXX. IRS can verify my employment with the company. Social Security can verify my employment. My social security number is XXXX.
Product: Credit card or prepaid card

On the XX/XX/XXXX, I received a bill for opening a Sapphire Credit Card , {$450.00}. I NEVER EVEN APPLIED FOR ONE. 
I called their XXXX XXXX XXXX XXXX Customer Service No., spoke to 'XXXX '. While canceling the card, she divulged that the Information that was given to them, was my Name, home address, Age, Soc.  Sec. No., an Incorrect email address, home phone. 
I asked why they did NOT CALL, OR TRY TO USE THE EMAIL. BOTH WOULD HAVE STOPPED THE FRAUDULENT APPLICATION! She did n't respond. She just said it was Fraud. 
Though no one has used the card. I want Any and all fines to come to Me, for their XXXX handling of my Identity Information. Their view, that this was a XXXX Breach, is irrelevant, and Chase just tried to make it a Money making event. 
They did NO DUE DILIGENCE, and instead, chose to make it worse. 
The card started on XX/XX/XXXX, I ended it on XX/XX/XXXX. As appears on their bill, XXXX XXXX  {$22000.00} Avail. Cash {$4800.00} I 'm sorry I am furious That I a Retired, XXXX Citizen, am subjected to this. 
I thought that all those unsolicited Chase Card applications would cause problems, despite my attempts To get them to STOP SENDING THEM. IF THIS OFFICE HANDLES COMPLAINTS ABOUT XXXX I NEED TO MAKE ONE. I HAVE XXXX XXXX AND AM BEING HARMED MINUTE BY MINUTE BY CHASE AND XXXX. 
PLEASE HELP!
Product: Credit card or prepaid card

I received a statement from Wells Fargo informing me that " Your WELLS FARGO XXXXXXXX XXXX account with XXXX XXXX XXXX XXXX XXXX has been sold to XXXX XXXX XXXX XXXX... '' It speaks of amendments to my credit card agreement, but I never applied for this credit card or any credit card from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. The list of account below has violated my privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME AND # XXXX XXXXXXXX XXXX  Has violated my rights. 

15 USC 1681 SECTION 602 A. States i have a right to privacy.

15 USC section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 b more than seven years. 

In accordance with the FAIR CREDIT REPORTING ACT LAW the XXXX XXXX account needs to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/700 I received emails from Bank of America stating that an account was attempting to be opened in my email address. I contact BoA and they stated that it was not successful but still advised that I should put fraud alerts everywhere so that I'm covered. I have added alerts to my credit reports and banks.