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

I had service performed at XXXX XXXX  ; XXXX, OH from an original estimate on XX/XX/18 paying {$2500.00} in advance. This work was performed. When I picked the car up on XX/XX/18 I was given a bill for additional service dated XX/XX/18 for {$780.00} that I was unaware of and did not authorize ( no authorization signature ) for new tires and a inner tie rod end. I left not realizing they were a mismatched set and not the size specified for this vehicle. 
I went back to XXXX XXXX on XX/XX/18 with my brother to dispute this charge. I was told I would be given a 50 % credit for the tires because I had originally left with them on the vehicle. Since I felt this was unauthorized service to begin with I did not accept this offer. I told them I would take it to another shop to get a full set of the right tires. They said fine, bring the tires back and they will give me 50 % credit. I declined the offer again and said I would take it up with the credit card company. 
I went to a XXXX 's XXXX XXXX XXXX that same day. They told me that the installed tires were the wrong size and load range for this vehicle. XXXX was a mismatch brand. They replaced with the proper tires. 
I returned the mismatched set of tires with my brother to XXXX XXXX later that day. Their in house printer was not working so they could not give me a printed return but wrote one out on a sheet of paper. No refund was given at this time. 
I contacted my Credit Card Company, XXXX XXXX MasterCard on XX/XX/18 about this matter. After the tires were returned I contacted them again. They opened up a dispute ( Case # XXXX ) on XX/XX/18. I sent them all the pertinent paperwork. 
I am now being told by XXXX XXXX that MasterCard is not accepting the written return receipt because it does not meet their requirements. 
As of now I do not have the tires ( I do have the unauthorized work ), and XXXX XXXX is charging me this full amount ( {$780.00} ).
Product: Checking or savings account

Chime states that they are still working on my claim but yet in the same paper they say that there decision is final. this company just lies and lies. i have more than proven that the transactions were not me well before you sent me anything as to why you made your decision You have based your dictions on things that are untrue and things that you say were one way and than when i prove you wrong you say oh no it was this way. ex. on the phone whit your rep i was told that these were in person transactions while i was sitting at work in a different city. yet when i got emails from the company 's XXXX stating that the store was not even open at the time the transaction took place, and had been closed for hours and sent in my work time card, but than you change your story to oh no it was on online transaction. you tell me that i was anticipating the money going into my account. well yes it happens every time i get paid. but it happened before i had been paid and i cant over draft my account more than 20 dollars so how does that work. for a 300+ transaction? 

I have every single time I called in to you written down as well as every email i was sent or i had sent. if you would like to go over them than please let me know that way you can see how contradiction you are
Product: Checking or savings account

I XXXX XXXX chime account ending XXXX was hack and card information was stolen The theft was able to make multiple transactions {$5400.00} was stolen from my account the theft was able to load there debit card to my account ending XXXX i have sent those document in to chime as the requested. i have been trying to gain access to my close account I have been close since XXXX XXXX i have told them that my card information and my account was hack in the theft was able to change my personal online information link there debit card without my authorization. They were able to steal {$5400.00} where my funds are. my account was closed due to the theft fraud My account loaded their bank card then removed their card from my account please help me get my {$5400.00} back. I have provided the theft bank card in a bank statement from the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXXXXXX XXXX XXXX XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX XXXXXXXX XXXX and myself! Please send the proper validation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. Exeprian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Equifax today because I keep having to dispute a piece of incorrect information that they will not take off of my credit report even though I have sent them the paid in full invoice twice. I thought maybe a phone call would be more effective then doing it online through their website. I was told that the last time I disputed the information they had 30 days to respond to the dispute which gave them until XX/XX/XXXX since I disputed the information on XX/XX/XXXX. They asked me how I knew information was updated on my credit report. I told them that I checked online. The representative from Equifax then told me that my credit report is only updated online once a month so I would only be able to find out once a month that my information had been changed on my credit report. He then offered me real time updates through them if I paid them {$9.00} a month. 

That seems like a HUGE conflict of interest. The inaccurate information that they refuse to take off my credit report is affecting the mortgage I am currently trying to get. How is a company that has such a huge part in everything about my life, from getting financing for a house to the security clearance for my job, allowed to charge me for real time updates when they should be providing those anyway if they are able to do so? These credit bureaus have a large influence in our lives and they should not be able to profit off of that.
Product: Credit reporting

Of the XXXX credit bureaus, only Equifax had a name associated on my account that was not mine, nor was it even remotely similar to mine. In fact, it was a man 's name, and I am female, and again, it was not similar in any way to mine. I went online to Equifax and followed the prompts to request this be corrected. I received email after email ( I have a print screen shot of the automated response from Equifax ) from Equifax stating my online dispute is now available for me to confirm the status. Yet, each time, I 'd get another screen stating there are no disputes on my credit file. I decided to contact Equifax and speak with a person on XXXX XXXX, 2016 at XXXX XXXX. The gentleman I spoke to was foreign, and difficult to understand, he continued to go around and around without ever answering my question about why the email Equifax keeps sending me does n't produce a status. He informed me the name associated to my account has been removed. I continued to ask why I am unable to view this for myself on the emails Equifax sends, and again, he said he did n't know. I asked to speak to his Supervisor, this was a gentleman named XXXX out of the XXXX GA office. He too was very difficult to understand as he had a thick XXXX accent and he would not provide me any other identifying information. I asked him if he is the only XXXX in Equifax 's XXXX office and he said yes. He was rude, agitated and refused to explain why Equifax is sending me emails that wo n't provide information. In the end, he said he would snail mail my corrected Credit Report. This was XXXX am on Friday, XXXX XXXX, 2016. I have yet to receive my credit report and today is Monday, XXXX XXXX, 2016. 
I am appalled that credit bureaus have so much control over my personal data, and continue to create mistakes, and the fact that businesses rely on these credit bureaus is haunting. I need my corrected credit report from Equifax. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 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. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX | ACCOUNT # : XXXX | Balance : {$500.00} Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. I have contacted the alleged furnisher who has confirmed they never provided this information to the credit bureaus which is another violation and makes the credit bureau liable for damages, which I will be seeking if this item is not removed or my written authorization provided showing I requested or allowed this information to be posted to my consumer report. 

U.S. Bankruptcy Court | Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a customer with Capital One Bank for over 15 years. I was notified that my checking account was frozen on XX/XX/18 after my debit card kept declining a {$35.00} transaction in the nail salon. I then called Capital One customer service on XX/XX/18 and spoke with a representative named XXXX and a Supv. named XXXX in order to find out why I could not access my account. i was told my account was in the process of being closed involuntarily and the bank does not have to give me an explanation as to why. I was also told the bank would take over two weeks to forward my remaining balance to me. I have never had a negative balance and have always maintained an amicable relationship with the bank since opening my account and any issue I have had was easily resolved via customer service or their managerial staff. On XX/XX/18 I spoke with another supervisor, named XXXX ( female ), who was very rude, to find out if my check had been mailed. She then stated the check would take seven to ten business days for me to receive it. The banks sudden decision to close my account has caused me not to be able to pay my now due bills, receive a host of return payment telephone calls, accrue late fees, and have to negotiate with my lenders and service providers of which has been quite humiliating. I am not a rich woman and I have entrusted my money with this institution. The bank never even gave me the opportunity to close my account and retrieve my money. The bank made a " big brother '' decision and now I am suffering the consequences. They knew they were planning on closing my account and they never notified me via text, email, letter, or telephone.I can not afford for this agency to force me into debt with late fees IOU 's and interest rates. And now left with no banking institution they have added insult to injury by stating they are going to send me a check. This can not possibly be legal. I believe I have a right to have my funds returned to me in a expeditiously and I deserve a reasonable reason for why my account was involuntarily closed.
Product: Debt collection

A purchase was made using my SSN for a pair of XXXX shoes and some sort of line of credit or loan was taken out with Affirm loans, for {$780.00} in XX/XX/XXXX. I received the goods and sent them back to the company on XX/XX/XXXX and provided a return receipt to Affirm. I've confirmed with them this loan was not mine. The date of birth on file and phone number and name I use was different than the application completed. After becoming aware of the dispute, Affirm sold the debt to XXXX XXXX XXXX, which is a violation of the FCRA and FDCPA regulations. I sent a complete fraud packet to both companies including a police report, proof of my ID, and an ID Theft Affidavit for them to investigate. 

As of XX/XX/XXXX, XXXX XXXX has advised that this debt was validated by Affirm. I was not told based on what information they are deeming this valid and the goods have been returned. I would like this debt removed from my credit report as it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 2 hours on the phone I was able to talk to a live person at EXPERIAN ( didn't document the name - short name & I believe it's a name that can be spelled with 3 or 4 letters ). The lady was very rude and unprofessional. I explained to the EXPERIAN representative that I am a victim of identity theft and I observed several hard hit inquiries on my credit report that I don't recall authorizing. The representative was unwell to address the issue and that when I terminated the conversation. The following hard inquiries I am requesting Experian to Investigate. Furthermore, if their investigation reveals that I authorized the hard hit inquiries I will like a copy of the credit application with my signature and date with the name of the individual that Experian spoke to that confirmed the hard hit inquiry was authorized by me. Failure for Experian to comply with my request will result in EXPERIAN KNOWINGLY & WILLINGLY violating my rights granted to me by the Fair Credit Reporting Act & I will file a lawsuit in small claims court and enforce my rights. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX   JXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I applied for a home refinance loan on XXXX and have been given a new closing date every week since XX/XX/XXXX. I have been experiencing the following issues with closing this refinance : - lack of communication and responsiveness to escalate my concerns and finalize closing contingencies -duplicate documentation requests - closing date extension with no reason or warning - untimely request for title and appraisal (? reason for closing date extension ) -inconsistent requests from XXXX XXXX XXXX XXXX XXXX and XXXX for company that was shown on XXXX and not needed or significant for loan repayment, last minute transcript requests ) - last minute notification and change in closing date caused late mortgage payment for the month of XXXX ( I asked several times about XXXX payment and response was not given until the closing date was changed to XXXX ) - significant rate increase after lock My request to speak to a manager about the continued extension of the closing date has been ignored. I have asked several times of the loan was pre-approved and what contingencies were left and then given a new disclosure to e-sign with a closing date that would eventually get changed. 

This morning I discovered the closing date was changed AGIAIN to XX/XX/16 ( from XXXX ), similarly I have experienced the same last minute change XXXX times ( with NO communication ) by logging on to the online portal. This last change included an interest rate change from 3.6 % to 4.8 %. 

This is a very deceptive business practice as I have had several financial consequences as a result : - late fee from my mortgage company - missed payoff dates for loans - Higher cc balance that will reflect on my credit report - increased rate after lock and loan commitment closing date of XXXX I have provided all information to satisfaction and the XXXX continues to make NEW requests that delay the closing. If there is an issue I should have been notified so I dont make commitments to close a loan.
Product: Checking or savings account

On XX/XX/2024 I opened an everyday checking account and a savings account with Wells Fargo. On that date, it said on the website ( I have a picture ), if you set up online the promo code will automatically be added, and as long as you direct deposit XXXX within 90 days you will receive XXXX for the promotion. 

I deposited well over XXXX, way before the 90 days was met, and when I called just to check up on when I would be receiving it, the person on the phone told me he didn't see a code so I needed to go into the bank. 

I went into the bank, showed the representative that the site still says the same thing, he tried to go in and see, and no promo code showed up for him either. He called whoever helps employees, and that person said there was no code so he would have to file a report. That was last week and I have not heard back ( he did say it could take a while ), however, this is my money that we are talking about, and I am very upset because it is false advertisement. ( by the way, I do feel like the representative tried to be helpful ), unfortunately wells fargo customer service for employees and customers seems pretty useless. 

I followed through on my end, now I want wells fargo to follow through on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX Amount Owed : {$1500.00} In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I signed up for an American Express Delta card that would issue me XXXX mioles if I charged more that {$1000.00} in the first three months. I more than exceeded that and have wrote them three times to get my miles. I have the terms and conditions which do not specify if you have ever had the card before. I have never got a response bsck from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here making corrections to my last compaint that I filed on yesterday about the wrong company I am not complaining about the previous company I submitted that was an error on my end. This is my first time making a complaint and I put in the wrong information and I ask that you please disregard/remove my last complaint as I did not file it correctly so today I am making corrections and will list the companies I am actually complaining about in the next section. 

The companies I am originally making a complaint on are the three major bureaus they have ignored my disputes that I have sent to them and have not responded to me at all and that is why I am making this complaint but not against a credit repair company but against the credit bureaus and they need to be held accountable for not responding to me at all as I have noticed a lot of inaccurate information reporting from all three bureaus down below I have attached my identification along with some of my previous letteres that I have submitted to them.
Product: Debt collection

There were unauthorized charges on my account, as well as my credit card data being stored on a company computer without my authorization allowing for a an unauthorized re-bill. When I attempted to dispute a debt, I was forced to complete a series of step in order to discourage me from disputing the debt. First I attempted online sign in, which now requires an eight digit code that and has to be written without seeing the numbers.

It also requires rewriting the user name and pass word.

When I attempted to dispute the debt online I was blocked. Next I tried calling the company only to be connected overseas to a person who said she can not help. This was after 5 to ten prompts with notices to try using the online app that does not work for this issue. I was then given another phone number to call but only could call it within a restricted time frame.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

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