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

On XX/XX/2020 I ordered a pool bundle from XXXX. The total for this order was {$1900.00} which was charged to my citi MasterCard credit card. I received two out of eight items sometime in XXXX. I continued to wait for the rest of my order to be shipped. Back in XXXX, I noticed a refund for {$190.00} from the merchant so I reached out to them to see why I was being partially refunded, they said that they were out of one of the remaining six items of my pool bundle which was when I decided that I no longer wanted this merchandise. I requested a cancellation for the first time on XX/XX/2020. Then again on XX/XX/2020. The merchant did not provide me with a solution so I decided to open a dispute for the remaining {$1700.00} with Citi. On XX/XX/2020 XXXX finally sent me return labels for the two items I had received. They claim they sent return labels on XX/XX/2020 that I never received ( I checked my emails and junk mail numerous times ). I never received a cancellation confirmation, but I never received those 6 other items. XXXX XXXX XXXX wont return my money or find a fair solution. I sent back the two items I did receive XX/XX/2020 via XXXX, I will include the proof of delivery for those two items.

I never received the other 6 items. Since they only refunded me {$190.00} out of a total transaction of {$1900.00} I am still disputing the {$1700.00} that they never refunded. I am not paying {$1700.00} for items I never received. 

On XX/XX/2020, citi resolved the dispute in favor of the merchant. I appealed this decision because I didnt receive the goods. I faxed over the proof of delivery for the two items I returned. Today XX/XX/2020, they again resolved it in favor of the merchant. How is this fair? How am I expected to pay {$1700.00} for items I never received? Please do not open a credit card with this company, they do not care if their customers are being taken advantage of by fraudulent companies.
Product: Vehicle loan or lease

Dear Sir or Ma'am, Please cfpb Identification numberXXXX of XX/XX/XXXX did not address $ XXXX.of 4 payments submitted after XX/XX/XXXX being applied based on history of my payment summary provided from Mercedes Benz Financial of XXXX Texas . 
Also Requesting charge off be removed contract was paid. 
I would like to provided a corrected summary of payments.
Product: Credit card

Capital One and XXXX XXXX  XXXX let 's start by saying this I tried making payments for several months there was some kind of glitch in the system where it would not allow the payment to go through I do not understand it myself by the benefit of the doubt I know what I made ample effort I'm most certainly and they would not listen computers have a way of messing up I got to a point were I was having financial hardship because of lack of work but I still tried paying several times this is eating me up I'm having emotional stress I've always had a job and payed I work XXXX hours a week aways paid my bills 3 credit cards and there's an auto loan on my credit for capital one auto car is paid off I traded it in for another car through XXXXXXXX XXXX Capital One auto loan should be gone it says I'm late
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made numerous attempts since XX/XX/2019 with proof of ivestigations being updated on my Experian account that was listed by XXXX XXXX. XXXX has no information concerning this account and therefore XXXX  has removed this account. 

Yet somehow Experian has verified and updated the information, but really didn't change anything.
Product: Mortgage

After being told if I refinanced my loan I would have PMI removed. 
Rocket suggested an appraiser that I used. 
The appraiser appraised my property @ {$12000.00} ( 6 acres in CT ).

After I discovered the error, Rocket suggested I pay for another appraisal.

My annual property tax on the land alone is over 10X the value that was appraised. 
Quicken told me to wait until Freddie Mac was assigned to have it changed. 

After closing Quicken told me that it should have been changed before closing. 

QuickenRocket refuses to correct the problem. 
I have a long email correspondence that I can forward that contains communication about the points listed above ( email thread uploaded with tax assessment value of local municipality & appraisal. 

After closing a % of PMI was added back on and the land value was never considered. for 5 more years.
Product: Credit reporting or other personal consumer reports

I open an account with credit card company XXXX XXXX XXXX in the month of XXXX of XXXX. Around the the XXXX of XXXX of XXXX I received a credit alert from all the credit bureaus that my credit score had decreased. I checked my credit reports with all credit bureaus and indeed my credit reports score had decreased significantly. I had canceled my line of credit with XXXX XXXXXXXX XXXX because I was unaware of an annual charge for credit card holders. I never used or made any transactions with the XXXX dollar line of credit I had with XXXX XXXX XXXX. I contacted XXXX XXXXXXXX XXXX  customer service support by telephone service. I explained to the representative what was going on with my account that they were reporting inaccurate information to all the credit bureaus about an account I had closed and it was showing I had a balance. The representative from XXXXXXXX XXXX XXXX access my account and explain to me that he did see that there where never any transactions made on the credit card and the charges where from the annual fee for having a credit card and a late fee for not paying the annual fee. The customer service representatives from XXXX XXXXXXXX said since there where no transaction ever made by me on the credit card and I had closed the account that the annual fee was removed. I asked for a letter that would reflect that and the representative from XXXX XXXX XXXX  emailed it to me while I was on the telephone with him. This company is trying to damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached document for reference to the facts of this case. Experian has grossly and willfully caused damages and injury to the Complainant in numerous ways encompassing a violation Federal Law - i.e., by knowingly violating the relevant provisions of the FCRA repeatedly with a blatant disregard to the rights guaranteed the Complainant. 

It is now XX/XX/XXXX, and since XX/XX/XXXX, Complainant has submitted AT LEAST 6 consumer disputes of inaccurate information, and subsequent requests for the method of verification in each instance, totaling over 12 DISPUTES of INACCURATE information being held and disseminated FOR PROFIT by Experian.

Experian willfully, knowingly, and without being able to show true verification or validation of ANY of the disputed information, has and continues to violate the provisions of the FCRA to the direct injury of the Complainant. NOT ONCE has Experian, since XX/XX/XXXX, shown or provided at the request of Complainant, supporting documentation or otherwise evidence required to permit the disputed information to REMAIN on the credit file, therefore it MUST be deleted IMMEDIATELY based on this repeated failure alone. 

Complainant is seeking assistance to COMPEL Experian to OBEY FEDERAL LAW and immediately, without further undue DELAY under the guise of an " investigation, '' to promptly DELETE EVERY DISPUTED ACCOUNT at issue that is outlined in the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that XXXX company is claiming to be owed is 7 months past the 3 year statute of limitations. As per the law pertaining to my state, this dated listed with XX/XX/XXXX date as seen in attachment, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company. As credit reporting agencies it is your responsibility to report information correctly for consumers as per FCRA ; 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION, I have previously disputed this debt and brought it to your attention. During your investigation it should have been brought to light the updated NY laws and how it could affect this particular debt that is dated XX/XX/XXXX, this is either gross negligence or misconduct, as a protected consumer I need some sort of timely resolution for this matter. 

Please see attached : 1. Reference of US Law 2. NY State ID 3. SSN document 4. Credit Report ; XXXX  5. Credit Report ; Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to fight some ongoing fraudulent accounts someone has used my name and ID. I was contacted by someone claiming to be from the SSA and giving some long drawn out story about my information being used in TEXAS. I have never lived in TEXAS and I do not have any associates in TEXAS. I pulled my report and found the following accounts that do not belong to me : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX # XXXX ( XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX
Product: Debt collection

Contacted Agency to notify of fraudulent activity. I asked for information about the account and they had nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I disputed the items, I never received the results and I asked for the debt to be verified. Without a response
Product: Debt collection

I do not know This amount is listed on my credit report three time for three different companies, these companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, for the amount of {$350.00}. The last two number provided on this credit report ends in XXXX. The second recording of this amount, Southwest Credit System, XXXX XXXX XXXX, XXXX, Texas XXXX, the last two account number are XXXX and the third listing on this credit report is XXXX XXXX, this account ends in XXXX for the same amount of {$350.00}.

Please remove these items from my credit report. I have a contract on some property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was dismayed after I ordered my XXXX XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Checking or savings account

On XX/XX/24, I noticed that a check was presented to my checking account with Chase Bank for payment that I did not issue, the payment was pending so I called to let them know that I did not issue that check, the amount was {$980.00}. I was told the check had to be paid and and a claim was opened. 
On XX/XX/24. I noticed that a check previously written out to XXXX XXXX XXXX Mortgage was not paid, I pulled up a copy of the check and saw that the payee was changed to an individual and the memo was erased and cashed. I visited a Chase Branch in person to report fraud and a case was created. I called again on XX/XX/24 and was told that it is evident that the checks were washed and that the funds will be placed back in my account by the end of the day. As of today, XX/XX/24, the funds were not returned. I called Chase Bank again and was told that the information give to me previously were incorrect and that the process had to be started all over again and I have to wait. 
It is clear from the checks that they are fraud, the checks should have never been cashed. 
Chase has been giving me a run around and have fraustrated me to the point of high XXXX and XXXX.
Product: Prepaid card

I XXXX XXXX file a dispute with chime regarding transaction was unauthorized transactions I asked for information regarding the data theft has taken funds from my account. I been trying request for the information that wasn't authorize any of the transactions I report to companies on transactions wasn't authorize by the consumer. I have yet to receive a proper response or proof of their thorough investigation, they states that they have investigated on this behalf. All I receive is general email stating that they have found no errors in this investigation but have not yet to send a proper documents stating that they have done a thorough investigation and that they found this information that they state that is no errors has occurred on my behalf of doing. 


I have been asking and requesting this proof for approximately XXXX to 4 months and I have still yet to receive any proof regarding these matters. So with that being said, they're constantly procrastinating on the matter of the rights of this consumer and they have not. A legitimate reason of why that they stating these no errors has been found. 

As a consumer, I feel that my rights has totally been violated on a consent of not receiving proper information regarding theft that transpired in the consumer 's rights and regulations regarding disputes on information that has been stolen from my account. 

I have gave proper notice stating that it has been stated that information has been violated due to a data breach. They have totally disregard the information and states that it's still no violation has been occurred in this matter, but they still states that they still will not give me proof of it all. 
They have been holding funds that was stolen from my account from some type of data breach or errors that transpired on their system and they will not try to rectify the matter in this situation. I have asked over and over again to investigate this matter and they have yet to rectify or come to any reasonable resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX FOX COLLECTION CENTER XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOX COLLECTION CENTER XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Debt collection

I have contacted original devt holder disputing this charge however attempts to collect continue so I want to offer XXXX to settle debt and have company update with credit reporting bureaus to prevent financial problems due to my financial hardship.
Product: Credit card

I inadvertently initiated a Direct Deposit Cash Advance request from my credit card to my checking account, mistakenly believing it was a Balance Transfer request. Upon realizing my error, I promptly contacted customer support on the same day to request the cancellation of the transfer. It's worth noting that both my credit card and checking accounts are with the same institution, namely, Bank of America. 

The support representative assured me that this issue could be rectified, and they advised me to reach out again once the transfer had been completed. Subsequently, I made another call the following day, during which I was instructed to repay the loan amount and then contact them after the payment had successfully gone through. They indicated that they could then proceed with the removal of any associated fees on my credit card. 

Upon my third call, the representative informed me that a request to cancel the charge had been initiated. However, to my disappointment, I later received notice that the request had been denied, and I was required to pay a transfer fee totaling {$450.00}. Additionally, I was charged an extra {$14.00}. It's important to note that the funds were only in my account for a single day during the transfer, and yet I incurred a total charge of {$460.00}. 

Had I been presented with a more efficient method for canceling the transaction, this situation could have been avoided entirely. Furthermore, if I had been informed during my initial, second, or third contact with customer support that there was a possibility the charges might not be refundable, I would not have wasted my time making multiple calls and would have utilized the transferred funds differently. Unfortunately, I was led to believe that the issue would ultimately be resolved, and I ended up not only losing the transferred funds but also having to cover the fee for money I never even utilized.
Product: Checking or savings account

I ordered checks from Wells Fargo ( XXXX actually prints them ). They were mailed to the correct address, however the checks were printed with my husband 's ATM PIN number rather than our house number. We're concerned that XXXX, or even Wells Fargo for that matter, would know our private PIN number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , CA  XXXX  PH :  XXXX  I Have tried to resolve this matter but no respond to me nor the BBB are the  XXXX  Credit Bureau. Yet the  Collection Agency  did another inquiry on my Credit Report  XXXX   XXXX    XXXX  .     Although they provided the service for me, they failed to properly bill my insurance carrier, which is  XXXX . Instead, they billed my secondary insurance,  XXXX , which would only pay what  XXXX  does not. I have repeatedly tried to resolve this issue but no avail. Therefore, since it is not my fault for their improper billing with my insurance carriers I hereby disputes this debt in its entirety and demands that you immediately contact your collection agency and cease and desist from your collection efforts and to have your collection agency retract any of adverse reporting to the credit bureau regrading this matter. I was not notify about this bill before you sent it to the collection agency, which show your guilty
Product: Checking or savings account

On my behalf, on XX/XX/2022, XXXX XXXX ( " XXXX  '' ) mailed to Axos Bank ( " Axos '' ) a transfer request my retirement account from Axos to XXXX. A XXXX representative, XXXX XXXX, contacted to Axos by phone on XX/XX/2022. The Axos representative refused to provide XXXX XXXX any information during the call. I sent a secure message to Axos regarding this issue on XX/XX/2022 and I have not received a response, let alone a helpful status update from Axos.
Product: Credit card or prepaid card

Earlie r Syncrony lowered my Lowes credit card limit then closed it completely. I keep the card paid off. This is ridiculo us
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my Follow-up complaint to ensure that these items must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX  XXXX Bankruptcy Discharged Reference # : XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX I complained to question the listed items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not follow FCRA LAWS at all this company doesnt not respect consumer rights or allow you to enforce your rights. The customer service will laugh at you when you let them know the violations over the phone and hang up on you.
Product: Checking or savings account

Ally bank ran a promotion where they would pay a bonus of {$250.00} if you deposited {$25000.00} or more by XX/XX/20 and kept it on deposit until XX/XX/20. 
I complied with these terms and they are now refusing to pay the {$250.00} bonus to me. 
Thats not right
Product: Mortgage

My credit report shows 3 inquiries from the same mortgage company " CREDCO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX '' XXXX within 30 days. All 3 are being reported as inquiries which reflects on my credit score. Why they continued with the inquires multiple times is unknown. But would like the inquiry be limited to one. Not 3 in a months time. I realize it seems minor, but working hard to keep my credit up. And this isn't helping. Thankyou for your time and patience.