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

XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Sachs, backed by Mastercard, provided me with a merchant response that states XXXX XXXX, XXXX issued for XXXX. The remainder of the funds has not been issued. Apple says XXXX XXXX told them I got a gift card. I contacted XXXX XXXX to get this gift card and so far none of the managers ( XXXX XXXX XXXX Store ) XXXX or XXXX or XXXX can track it down and the folks at corporate call center has acknowledged that a gift card does not exist. Given the miscommunication and XXXX XXXX XXXX inability to solve this or properly communicate directly with me, the credit card should issue me the amount due to me {$2800.00} - {$42.00}. I have paid off the card so you can send me a check to my new address.
Product: Credit card or prepaid card

On XX/XX/2021 I applied for a credit limit increase on my Chase XXXX XXXX with a current limit of {$500.00}. The limit increase was denied on XX/XX/2021 for : Balances on accounts are too high compared to credit limits. My credit card usage is between 30-35 % on all major credit reporting. Also, I was under the impress that 4 factors must be listed not one. I also understood that the credit score should accompany this decline. I asked Chase Card Services to reconsider the decline and that was also declined. This time with 2 reasons ... .Not 4 : Too many accounts with balances Balances on credit card accounts are high compared to credit limits. 
The accounts I carry with balances is small compared to the number of cards I have. Again this disclosure contained no credit score. Actually this was not even in the form of a disclosure but a secure message.
Product: Debt collection

To whom it may concern : I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit XXXXt.This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by XXXX names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end.You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report.The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately! I have 30 days to dispute this information and will need proof of your investigation before anything is updated on my credit report. 
XXXX XXXX XXXX Experian Experian Account # : XXXXXXXX XXXX
Product: Debt collection

XXXX calls at least 10 times a day. We our a place of business and there trying to contact an individual that is not known at our business. I called and asked to have number removed and to please stop calling yet they still continue to call
Product: Mortgage

Wells Fargo bought my mortgage for my condominium. My mortgage is not supposed to have an escrow account, yet they are charging me for escrow, but they are not paying for my taxes, or insurance, or Condo Association Dues. I pay them myself. Last year I had a lot of trouble getting my flood insurance renewed for my condominium. So, Wells Fargo started sending me threatening letters and charging me an exhorbitant amount for insurance. I have since been able to get my own policy. I have paid back Wells Fargo for the lapsed time of my coverage, yet they are insisting to continue to charge me for escrow, without paying any bills with escrow money. I have contacted Wells Fargo twice in consecutive months after I receive my statement. Last month they assured me that the matter was resolved, but then they kept adding escrow charges to my non-escrow mortgage.
Product: Vehicle loan or lease

I was pre-approved for a auto loan through Capital One Auto Financing. On their site there were cars that said Pre-Approved with payments and everything. I assumed the cars were safer mechanically since the Finance company had it mark PRE-Approved. So I went and looked at it, I ended up purchasing the car on XXXX XXXX, 2023. From # XXXX XXXX, come to find out 6 months later the engine blew out on XX/XX/2023. After asking questions, I found out that the car had A MAJOR LEAK IN THE OIL COOLER ASSEMBLY, THAT INFORMATION WAS HIDDEN FROM ME. I paid {$2000.00} cash. Financed around {$11000.00} with Capital One. The dealership hid issues with the vehicle Im only learning this now. I contacted Capital one auto many times to see if they could help with the dealership repairing What caused the engine to malfunction. Im getting no where, they keep saying They filed a dealership Complaint 2 times since I kept demanding it. One agent there said just drop the car off there and leave it as a Volunteery buy back. I said that sounds Ridiculous! I explained to Capital One, I followed your site, your pre approval, I thought it was better then just going anywhere. Why would they post bad cars if they wanted paid every month. I trusted them. I feel I was scammed. I have a LOAN balance of {$10000.00} as of today. No help with the Finance company, putting pressure on the dealership to fix this. I cant get to work without a car. I cant make payment with out a job. I still have to make Insurance payments of {$400.00} a month. I need them to go after the dealership for being deceitful. If the finance company wants paid, they need to do better and check out the cars they are PRE-APPROVING on their site. 
Are they working together to rum scams in bad cars so customers are stuck. They need to step up and help! 
I cant add files from my phone, all my files are on my laptop. I will log in later to add files. Thank you
Product: Debt collection

-there is no information regarding what the liquidated damages are. There are no statements within their lease agreement stating that I would be charged liquidated damages the equivalent of 2 months rent for any reason. 

-I am being charged a 10 % late fee on a full rent. I need to be charged based on prorated amount ( 12 days ). I did ask them how to pay the prorated amount as they only allowed the full payment of $ XXXX. 

-I am being charged a month to month fee, even though I gave notice and informed manager via telephone of my vacancy for XX/XX/XXXX ( call log of XXXX minute conversation proof was add in previous email ) -the dates for these move out charges show XX/XX/XXXX and XX/XX/XXXX. I contacted crestmont requesting final move our charges on XX/XX/XXXX. XXXX failed to give me requested items within the legally required time frame for the state of Georgia. 
Appropriate contact methods were given to lessor. The lease agreement shows that email is an appropriate contact method. My email has been provided to them at the start of the lease. 

I asked for proof and explanation of liquidated damages they responded by subtracting XXXX from the liquidated amount. But still did not explain what the charge was for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a loan from XXXX XXXX XXXX on my credit report as a charge-off despite the fact that they have been notified multiple times by the original creditor and me that the account is fraudulent and does not belong to me. The original AUD removal order was sent to Equifax by XXXX XXXX XXXX XXXX XXXX, XXXX and again on XX/XX/XXXX, however, as of XX/XX/XXXX this trade line remains on my Equifax credit report. This has already jeopardized my military career and my government security clearance as well as my ability to obtain credit. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted creditors with phone numbers provided. They say they do not have the ability to remove inquiries and to contact credit bureaus. Credit bureaus tell me to contact creditors. These are unauthorized and fraudulent!! PLEASE REMOVE THEM ASAP. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Atlas Credit company, XXXX XXXX XXXX XXXX If I could give them a -0 I would, the manager XXXX fraudulently renewed my loan without my knowledge, I had to call corporate and report him, he lied till the end, First he said that the other man that worked their XXXX did it, then he called back and said it never happened, then when I contacted the Corporate people, he said that I told him to renew it over the phone which was a flat out lie, I never signed anything, and the sad part is, this is the second time it has happened to me, the first time I caught it before I left, this time I got home and caught it, there is no telling who else this has happened to, you need to check your accounts because they are so dishonest, the only person that I got a result from is the Corporate person XXXX, she helped get my account straight, I want to pay them off and never deal with them again!!!! XXXX YOU ARE A FRAUD AND A THIEF!!! ATLAS CREDIT ON XXXX YOU ARE FRAUD, AND I HOPE THE YOU GET AUDITED AND THEY FIND OUT WHO ELSE YOU SCAMMED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XX/XX/XXXX such authority.
Product: Debt collection

Paid debt off a few months ago and was told within 30 business days it would be taken off my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against all three credit bureaus- XXXX, Equifax XXXX and XXXX regarding the ongoing issues I am facing due to identity theft. This situation has not only impacted my credit report but has also caused significant distress in my personal life. I have been unable to lease apartments or open utility accounts in my name without paying large deposits or requiring a co-signer. 

I have also noticed multiple unauthorized inquiries. Despite my attempts to dispute these fraudulent accounts and inquiries, the fraudulent activity remains unaddressed to all three credit Bureaus. I have never applied for these loans, nor do I have any association with the lenders involved. These fraudulent accounts have led to persistent collection efforts and have created additional stress as I work to clear my name. I have contacted the utility companies directly, but they often refer back to the credit bureaus for resolution, leaving me in a frustrating cycle. I have attached these referenced accounts listed in my credit report and a copy of my Affidavit of Identity Theft. 

I have been unable to obtain legitimate credit. The emotional and financial repercussions of identity theft are profound, and consumers like myself deserve a more responsive and supportive system.
Product: Credit reporting or other personal consumer reports

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXX  opened on XX/XX/XXXX, a credit account with XXXX opened on XX/XX/XXXX, another credit account with XXXX opened on XX/XX/XXXX, a credit account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX opened XXXX XX/XX/XXXX, a credit card account with XXXX  opened XXXX XX/XX/XXXX, an auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a loan account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX & XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX, XXXX, and XXXX  XXXX on XX/XX/XXXX, a collection account with XXXX XXXX  opened on XX/XX/XXXX, another collection account with XXXX XXXX  opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, another collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, another collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over a copy of my credit report i notice that there were a few inaccurate things being reported under my social security number. i tried disputing these items on the credit bureaus website and each time i go to submit it keeps locking me out making it difficult for me to dispute.
Product: Student loan

As a private student loan co-signer for XXXX years, the original borrower recently got federal student loans forgiven but will not pay private loan as she should and have destroyed my credit and have made my life unbearable. When payments are not made, my phone constantly rings all day. I am on a fixed income and do not have extra money to pay to save credit. I am looking for a recourse to take for a relief. Are there any rules for other student loan payments after federal student loan forgiven?
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C 1681.

The accounts listed below does not belong to me. I request that any sign contracts or disclosures be sent with my written consent. 

XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries do not acknowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please reinvestigate the accounts listed
Product: Checking or savings account

This time I did not call the bank until I reported it this morning via telephone and now reluctantly Im turning it in over unstable internet. But I have to get it turned in because I was charged fees twice this month have spoken to them multiple times and there should be stable interactions that can be pulled by your office ; I actually told the person for your services what happened but Im reporting via this way because that was informal communication ; not only was fees charged XX/XX/XXXX XXXX 2022 normally I call them they were charged XX/XX/XXXX XXXX 2022. Not this time! Im tired of them not protecting my account from illegal transactions even when the account is locked ; there has been multiple situations where I should have been referred for help to sue the businesses that were involved ; one was XXXX XXXX. That actually swiped the account 6 times in a few days time ; I called and due to it being me I feel they did not help ; Im not calling them n the account being in overdraft XXXX XXXX theyd have their money if they hadnt illegally took fees that were not owed ; I will not be using this bank account anymore thanks XXXX XXXX  was allowed to swipe the account even as it was locked no one can figure out how ; I never gave XXXX the router or bank account number only the card so it could be locked if there was a problem with their service and yes there was a problem ; none the less theres multiple illegal issues going on and talking to them doing fix the issues it continues
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account number 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  Has Violated my rights. 

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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 US Dept of ED, increased my debt by {$1.00}. This somehow diminished my credit score with both TransUnion and XXXX. There should be no activity on any student loan due to the CARES ACT 2020, this act suspended all payments and set interest rates at 0 %. so how does {$1.00} get added to my account during a pandemic? Retaliation is exactly what this is and violation of a Federal Act. All three companiies/Corporations should be ashamed of themselves, its so oblivious what they did. My XXXX  score dropped dramatically due to the {$1.00} add on to a closed accounts.
Product: Checking or savings account

I lost my job XX/XX/2021 due to Covid-19 i called and asked the bank to ask if i can have some kind of protection to avoid overdrafts fees as i was not able to deposit any extra funds into my account they told me there was nothing they can do for me they continued to take my child tax credit deposits to cover the overdraft on my account
Product: Credit card or prepaid card

I opened a walmart Wal-Mart store credit card XXXX XXXX. They decided to change my card on XX/XX/XXXX to a Wal-Mart MasterCard. I checked my credit report and it is showing up as a new account. I never gave walmart permission to do another hard inquiry on my credit.So my credit score dropped a few points. I never knew it was legal to rerun credit without permission. I never asked them for a credit limit increase or anything. It shows that this is a new account and it is not. I tried contacting Wal-Mart earlier today and it would have been more effective to talk to a brick wall The attached files are just an example of one of my credit reports. I don't think i need to upload all three for them to understand why i am not happy