23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased an XXXX XXXX on XX/XX/year> for {$XXXX}. I gave XXXX my phone in person the same day at the XXXX XXXX in XXXX XXXX, XXXX XXXX, XXXX. The trade-in value was {$XXXX}. XXXX processed this incorrectly and charged my card with {$XXXX} credit limit {$XXXX}. ( not sure how this was even possible ) The money owed via a payment plan was {$XXXX}. 

We assumed everything was fine at the time. Then within the week, I noticed that the balance was all wrong, so I unknowingly, I paid off the entire balance on my card assuming that it was the payment plan that XXXX put me on. 

The following month on the XXXX, the notification came to my phone showing that the first installment of {$XXXX} or so was due. At this point, we called Apple Card support to try to figure out what happened. A dispute was filed and the {$XXXX} was eventually credited back to my account and showed as + {$XXXX}, since the card was already paid off. 

The installments continued and processed money each month on my card. We basically stopped using the card aside from recurring payments to XXXX for normal things. We continued to call over the next few months trying to get an explanation of our statement but a balance still reflected on credit reports each month even though the app would not let us pay anything at all since we had statement credit. As months continued, every time we used the card, funds were discounted from the surplus credit and also saying this money was owed in the statement balance and removing money from our credit limit. I was unable to pay anything towards my balance at all to resolve any issues here. 

As of today, I still do not understand why my balance is being reported to Credit Bureaus incorrectly and what XXXX did to my card to ruin my statements. Meanwhile, the balance on my card keeps increasing and I am not even sure what I owe or how any of this happened. This a huge fail on both XXXX and Apple Card 's side and I am at a loss for words. 

I believe that my entire account needs to be reconciled and that all monthly credit reporting needs to be removed since a balance has incorrectly been reported.
Product: Mortgage

Bank of America ( XXXX ) insurance company for BOA has duplicated a claim and has left the status as open when it 's closed and has been closed since XXXX 2012, there was only XXXX claim at this time ( XX/XX/XXXX ) this is an attempt to force me to pay higher premiums for home owners insurance with them, I am not able to get a decent rate anywhere with the duplicate, open claim that ( XXXX ) has on my record. I have spoken to numerous of agents with XXXX and I was told that it 's closed, not duplicated and it still shows on my record. PLEASE HELP.
Product: Checking or savings account

on XX/XX/2022 i attempted to withdraw {$200.00} using my chime card from an atm machine. it malfunctioned and did not give me my cash or a receipt. however {$200.00} and XXXX in fees was withdrawn from my account. i called chime and was told it was pending and would be back in my account the next day. when it wasnt i called and was told 3 days. i called today on the XXXX day to be told my dispute was closed in error and he reopened it and it may take up to 45 days! this is unacceptable.
Product: Debt collection

Nationstar Mortgage, LLC filed a claim against my spouse & Myself on XX/XX/XXXX without the proper authority or standing. Nationstar Mortgage has stated that XXXX XXXX is the owner of the mortgage and the note. Nationstar Mortgage, LLC has filed misleading and falsified documents in the land records of XXXX County Florida. Nationstar did not pay value for the mortgage or the note and is not the owner of the debt and did not have the authority to bring suit against us.Defendants challenge the assignments based on the following information : There is an assignment from party A ( XXXX XXXX ) to party B ( XXXX XXXX XXXX XXXX , XXXX ) and this assignment was recorded in the XXXX County land records XX/XX/XXXX. This would have established ownership was transferred from Party A, XXXX XXXX , XXXX to Party B, XXXX XXXX XXXX XXXX , XXXX. On the same day Party B ( XXXX XXXX XXXX XXXX , XXXX ) executed an assignment to Party C ( Government National Mortgage Association ), which was not recorded but was executed and contains the  Corporate seal, two witness signatures and a notary stamp. This would establish ownership transfer from party B, XXXX XXXX XXXX XXXX , XXXX to party C, Government National Mortgage Association. On XX/XX/XXXX, an assignment of mortgage was recorded in the XXXX County land records by Party F, XXXX XXXX XXXX ( who had no legal ownership or right to record the assignment, as Party F was not the owner of the mortgage ) showing an assignment of mortgage from Party D, XXXX XXXX XXXX, XXXX f/k/a XXXX XXXX XXXX XXXX , XXXX to Party E, which was allegedly executed XX/XX/XXXX. Party B, also known as party D gave up the legal ownership of the mortgage when party B executed an assignment of mortgage to Party C in XXXX. In XXXX, when Nationstar Mortgage, LLC brought claim against the defendants, Party E a/k/a Mortgage Electronic Registration Systems , Inc allegedly recorded an assignment from Party E, Mortgage Electronic Registration Systems , Inc to Party H, Nationstar Mortgage, LLC. Party E, Mortgage Electronic Registration Systems , Inc can not legally record an assignment of mortgage, as neither party E or B or C owned the mortgage at the time of execution and recordation of ANY assignment. XXXX XXXX is party G, who Nationstar Mortgage, LLC claims is the owner of the loan. XXXX XXXX, party G, is not on any assignment or recorded document. 
The original mortgage is from XXXX. The original mortgage amount was for {$40000.00}. Nationstar Mortgage, LLC has kept me in court for 3 years and ran up {$30000.00} in attorney fees for a {$19000.00} principal balance. Nationstar Mortgage forced the sale of my home and won with a " credit bid ''. This is fraud and theft and unjust enrichment. Nationstar Mortgage, LLC holds no equity in the XXXX mortgage or note. If XXXX XXXX owns the mortgage and the note, why was the certificate of sale issued in Nationstar Mortgage, LLC name? Nationstar Mortgage, LLC d/b/a Mr. Cooper is a thief and a fraudster.
Product: Credit card or prepaid card

On XX/XX/2021 My car was broken into and the glove compartment where I had locked my wallet was damaged and then my entire wallet taken. My drivers license, debit card, multiple credit cards and care documents were also taken. I immediately called Chase to report my card stolen and disputed the fraudulent charges. Chase locked my card and issued another one to me. A couple days later these charged were cleared and I was relieved. Then a couple weeks later, the amount ( almost $ 3k ) had mysteriously posted to my account again! I called chase, spoke to their fraud department team and they had no problem reversing the charges once again. Now a month later, the same charges have posted AGAIN!!!!!!!! I can't express the frustration I've experienced with Chase. I've spoken with customer service and the fraud department and nobody has answers except that they'll open ANOTHER claim. This time around, I have sent a copy of the police report any my drivers license ( which shows that the date issued was about 2 weeks after the incident occurred for proof ). I'm still awaiting yet another resolution from Chase, but this is not what I expected from such a major financial institution. Only when I threatened a civil lawsuit did they transfer me to a supervisor. I love the chase sapphire preferred card I have and the rewards that are associated, but this reoccurring situation and Chase XXXX XXXX XXXX is absolutely unacceptable. I'm surprised at the lack of customer service and communication within Chase internally. By law, I should be covered but Chase seems to think otherwise and I'm prepared to take the next actions I need to, to justify that I was a victim of fraudulent activity. To advertise 100 % protection against fraud and then completely disregard that major security aspect is a complete fail from this financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXX, US DEPT ED
Product: Credit reporting or other personal consumer reports

There is a List of accounts below that violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXXXXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXXXXXX XXXX  Account # : XXXX, XXXX XXXX  XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX and XXXX Account # XXXX has violated my rights.

I was checking my credit because im in the process of looking for home to purchase. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. I know according to the Fair Credit Reporting Act when 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 according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681 5, theyre supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2, they arent supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These items are negatively affecting my ability to purchase a home I need them removed ASAP please help.
Product: Credit card

Hereon this day of XX/XX/XXXX, this a legal notification Statement of Claim no.1 thats notifying you as an official for an XXXX, as well as XXXX XXXX XXXX account XXXX ; credit card had legally expired, after the Expiration date of XX/XX/XXXX ; of that particular credit card, as an XXXX XXXX, account XXXX XXXX I was never service herewith a new credit card, in accordance with an agreement policy ; and procedure as in fact a consumer must have by law, a new credit card before, the expiration date, that never transpired in fact, and as a result ; my account XXXX, I can not access my account XXXX ; as a result Im presently being in fact detained by such of a delay, of such an act, due to the account XXXX, being in fact unreasonably closed in addition without any legal notice for such a certain hearing that such act had took place. I had called an XXXX XXXX XXXX account XXXX in regard to the closure of such an account their officials had pleaded that they would service, by delivery, a new credit card as an XXXX XXXX, account XXXX XXXX XXXX cause or matter never transpired or happened, after a phone called made on XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, in conjunction, hereto this legal notice. In accordance, to an XXXX XXXX. a Credit report company, my XXXX XXXX XXXX account XXXX was closed ; without any legal notice for a hearing therefrom it has caused, me a certain hardship unreasonably by an adversity to a loss of certain money, as well other financial damages, due to my property being in fact unreasonably detained. ; Therefrom you as an official, for an XXXX XXXX XXXX account XXXX, must hereby confirm hereto this legal notice, as a legal cause or matter as being in fact True or False, all within a 72 hrs., hereafter service hereof this legal notice, by a delivery. Thereafter, 72 hrs. any pleadings ; service by delivery ; from you as an official party ; hereto this legal notice, then you will hereby deem as being a refusal in fact, and all of your pleadings will hereby deem denied by determination, and unacceptable pleadings, and you also as an official for an XXXX XXXX XXXX account XXXX ; will hereby deem, as being in fact ; a certain person who has refused to hereby respond hereto this legal notice officially, as an official for the aforesaid, business entities, hereto this legal notice. In addition, you must also service your legal confirmation ; as in fact a pleading under a certain Oath as well as a Testimony, as being in fact a response hereto myself email address, XXXX ;
Product: Money transfer, virtual currency, or money service

My brother XXXX XXXX, transferred 2 transactions each in the amount of {$330.00} from his XXXX  checking account via XXXX to my USAA checking act. He received two confirmations from XXXX  for both transactions. His balance did go down in the amount of {$660.00}. However, I only received one transaction in the amount of {$330.00}. The remaining {$330.00} did not go back into his XXXX  checking or my USAA checking. I provided USAA with the confirmation number XXXX provided to him # XXXX, USAA states that is not a valid confirmation number, USAA has provided me with a Case Number XXXX. I am requesting the assistance and support of CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX and Transunion multiple times concerning XXXX XXXX. 
XXXX stated they investigated claim but never initiated a dispute after stating they were investigating XXXX XXXX. XXXX XXXX admitted that I XXXX XXXX and my wife XXXX XXXX paid of account. XXXX XXXX is reporting false fraudulent information to Trans union and XXXX and the to credit bureaus are allowing it because XXXX XXXX is a paying customer. This will be my last and final warning to XXXX  and Transunion concerning XXXX XXXX or I will be filing suit for violation of FCRa 609 611 612 616 as well as defamation. 
Ive given you time to investigate properly as stated in FCra now Im demanding a deletion. 
XXXX has deleted this account because they actually did a thorough investigation. Please see attached and no response we are lookinh into it no more stall tactics.
Product: Credit reporting or other personal consumer reports

CONTINENTAL FINANCE COMPANY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ CONTINENTAL FINANCE COMPANY ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ CONTINENTAL FINANCE COMPANY ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I've overpaid my credit card by {$1400.00}. Since early XXXX, I have attempted to have my balance returned to me. They first said a check would be sent. After 15 business days, I called and they offered to electronically send it. I waited 5 business days, it didn't come. I called them multiple times in an attempt to collect my money and was told multiple times it would be transfered. Finally, an " account supervisor '' said the payments needed to be verified over the phone with my personal bank. We did that in a phone call that took about an hour. I was again assured that the money would be transferred to my bank in 5 business days. It was not. I called again and they told me their " back office '', had decided to cut a check and that I would receive it in 10 business days. I have no reason to believe them considering they have told me many things before and nothing has ever come true. I have no idea what to do at this point. This is {$1400.00} that is rightfully mine and I need it back. I sure do hope this helps.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

ACCOUNT CONTROL TECHN is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My birth date is wrong on my Equifax credit report.
Product: Credit card or prepaid card

Complaint # XXXX I XXXX XXXX have disputed this charge with the Merchant ( XXXX XXXX ) yet My credit card company has not assisted me in being restored/ made whole. 
I have repeateadly informed the merchant that the furniture I ordered was supposed to be grey and it arrived beige/taupe. The merchant challenged my vision and intelligence by say that the color is grey. I posted on social media and everyone with vision agreed that the color wasnt grey. I sent pictures to the vendor and to Capital One yet my credit card company stated pictures were not enough evidence that the color was incorrect! How do we as humans realize the difference in color if not by vision.

Im overwhelmed with the total disregard for my satisfaction as a consumer.

Per the demand of Capital One I went to 2 furniture stores to request a letter regarding the furniture both stores responded in summary they had no vested interest in writing a letter anyone can see that the color isnt grey and I didnt make the purchase at their store. 
I sent emails between me and the merchant that states I ordered grey but thats not enough evidence for Capital One. 
I purchased this furniture with my Capital One card {$7200.00} with a false sense of security that Capital One would stand behind any and all of my purchases. I have been an Exemplary cardholder yet I feel as if Im being disregarded. Im stuck with beige furniture when I purchased grey carpet, and even had an accent wall painted grey as I waited for my grey furniture to arrive. 
When will the consumer matter?
Product: Credit reporting or other personal consumer reports

XXXX XXXX  OWNER OF XXXX XXXX SENT A LETTER TO MY HOME, SHOWING ME I DO NO HAVE NOTHING TO DO WITH THEM. 

A CREDIT CARD WAS OPEN UNDER MY SOCIAL SECURITY NUMBER AND NAME MY ADDRESS DOES NOT MATCH, MY PHONE NUMBER DOES NOT MATCH, MY CHECKING ACCOUNT WAS USED WITHOUT MY ACKNOWLEDGEMENT FOR CHARGES GIVEN TO THIS COMPANY AND MY CHECKING ACCOUNT BANK HAS RECIEVED THE FRAUD DISPUTES FOR CHARGES OF XXXX DOLLARS, XXXX, AND ALL OTHER DEBITS TAKEN OUT OF MY BANK ACCOUNT. 

I DO NOT OWN A PHONE NUMBER XXXX XXXX XXXX I DO NOT LIFE AT SOME ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  OWES ME FOR DAMAGES, REPORT THEM XXXX THE FTC FOR RACISM AND FOR CHARGING ME FRAUDULANT ITEMS.
Product: Credit reporting or other personal consumer reports

The Discover bank and XXXX account are both fraudulent account and have police statements written for both of them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX, Account # XXXX, XX/XX/XXXX XXXX XXXX  XXXX Account XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, Account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than to furnish a account without my written instructions n records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and was dismayed to find an unauthorized inquiry that should not be there. I check my report routinely, and this unexpected issue has left me completely frustrated. I even refreshed my browser, hoping it would disappear, but it did not. This needs to be addressed immediately. Please verify the documents Ive provided so that I wont have to worry about this any longer.
Product: Credit card

I had my verve credit card on automatic debit for {$50.00} per month, I had not used the card in approximately 4 months, when I went to use the card, the card declined. When I contacted verve customer service, I was told that I had late charges, return check fees and over the limit Fees. I asked them How is this possible since I am on automatic debit and have always had money in my bank account, additionally I never incurred any charges from my bank indicating that my account had insufficient funds nor overdraft protection fees. The customer service rep could not offer me a good explanation for this. I asked them to review the account and make the proper adjustments and she said that she could not do this. I told her that I would not be making anymore payments and I removed the card from automatic debit. They have placed my account with their collections department and continue to call at least 3 times per day.
Product: Debt collection

Caine Weiner XX/XX/XXXX {$330.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00} Hard Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALL IN CREDIT UNION XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  i recived notification about all these accounts that i have no knowledge whats so ever, it has been so disheartening to go through this the fact that someone would use my information for their own personal gain, i am deeply saddened for myself and the impact it has been on my life
Product: Debt collection

This case was dismissed in court. I have the Order Vacating Judgement from the court.