23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have credit card with chase bank. 
I ordered for a firm foam with inner springs, on XXXX. 
One hour later I emailed to cancel the order because my room is XXXX too small The seller in XXXX refused to cancel the order. 
He shipped the order and XXXX delivered it on Saturday I didn't get the shipping label by charge I said I refuse the item FedEx delivered again the same item on XXXX  XXXX Looks like the XXXX driver did not like refuse the item. 
I put the mattress in my car and went to XXXX in XXXX XXXX XXXX XXXX  I slept in car to give the item personally to XXXX at XXXX XXXX when the open the store opens. 
They got the item on XXXX But they did not gave the credit back. 
In XXXX almost all sellers give free return charge. 
I told Chase Bank the owner of my credit card and they gave me {$110.00} credit But the bank didn't show me how to see the detailed transaction so from chase bank at XXXX at XXXX XXXX. I went to chase bank at XXXX XXXX XXXX, They showed me how to see the detail transaction The next day I went to Chase Bank on XXXX XXXX XXXX. 
The employee XXXX XXXX was very helpful I saw the XXXX seller has rebill me. 
XXXX XXXX talked with the chase bank phone number on the card because I am almost XXXX. He talked with the chase bank phone number on the card for me. 
He said they did not accept giving the second time. 
because they gave one time. 
The seller has his mattress, he won't give credit back and rebill me The Credit Card Company is supposed to help the consumer But Chase Bank refused. 
Also I returned a Folding Bed. But the seller charged for return label. 
The cost was {$53.00}. 
Chase Bank gave me credit for that. 
But later I saw another minus {$53.00} Maybe the seller has given me credit back. 
I told them to deduct extra {$53.00} from my transactions. 
They have not done so yet. 
Please help me. As you did two times before with Credit Card Companies.

I didn't know about online shopping. They are liers. crooks. 
The only way not to get trouble with online shopping is not to go online shopping which I am doing it now but late for those before.
Product: Checking or savings account

XXXX XXXX, XXXX, I had XXXX XXXX XXXX deposits sent to my account, XXXX around for XXXX  and another for {XXXX}. The {XXXX was sent first to my account before I completed my transaction purchase at a store for XXXX. Once the funds were sent, I completed my purchase at the register because the funds showed available in my balance on my XXXX app, as I already had funds in my bank, plus the XXXX} that was sent to me. The XXXX deposit for XXXX was made after my purchase, however this did not matter as the funds were sufficient for the XXXX or at least that was what I was shown on my XXXX Banking Application on my phone. This morning, I wake up to find that XXXX has charged my account a {XXXX} insufficient funds fee. I called and spoke with a banking representative and was told that my deposit were made after XXXX pm XXXX XXXX and as such would not be processed until today. I am in XXXX, and on my banking app, the funds were shown in my balance, and that is why I felt comfortable making my purchase. I can only trust what I see in my app to be true. XXXX has refused to refund me my XXXX fee. I believe that they purposely deceived me and likely do so to many others, making billions off of middle class Americans just trying to survive so they can make billions of dollars in profit. I was shown that I had the funds available. I made the purchase based on what I seen. Now XXXX took XXXX dollars of my money to illegally and XXXX make a profit off of someone who works hard, pays her taxes, and at the same time struggles to make ends meet. I would like my {XXXX dollars back as it was illegally taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report it says that i opened 2 credit cards in XX/XX/XXXX and never paid them, also in XX/XX/XXXX that i recieved a home loan and a car loan that i also never paid on. At each time i was XXXX in the XXXX XXXX XXXX  XXXX, which is a matter of public record, obvious fraud. I've disputed these accounts with XXXX, trans union, and several times with XXXX  in order to have them removed completely from my credit report ; not just closed, because its obviously fraud. XXXX has just flat out refused to do this. im trying to put my life together and have been very successful so far. due to XXXX  's reporting these fraudulent charges, i have not been able to get approval for credit or a car loan. i dont know what else to do, they even at one tried to charge to have them removed from my record which i understand is racketeering by definition.
Product: Mortgage

I was recently noticed by Seterus, my mortgage servicer, that I owed late fees for late payments for XXXX 2015, XXXX 2015 and XXXX 2015. I have records from the USPS showing the tracking data including the date delivered and signed for by an official of Seterus. On one occasion, the XXXX 2015 delivery was delayed by the USPS for an unknown reason. The payment was mailed 3 days prior to the due date. The payment was mailed through USPS using a 2-day priority mail postage. It was delayed by 4 days with no explanation. I called Seterus and was told by their customer service department that the only way I could dispute a late fee was to write to them and mail it. I had previous taken care of similar issues over the phone but now they are telling me this can only be disputed by mail. 
The due date for my mortgage payment is the XXXX of the month. The 15 day grace period allows to the XXXX of the month. As per the attachments, the payments for XXXX and XXXX 2015 were received and signed for on the XXXX of the respective months. The XXXX payment was mailed on the same date as usual but it was delayed by the USPS which is shown in the tracking information. It was supposed to be a 2-day priority mail delivery with signature verification.
Product: Credit card or prepaid card

I opened my Lowes credit card in XXXX. Since then I have charged and paid it off multiple times. With in the last year they increased my limit to XXXX. I charged and paid it off. They decreased my limit 2-3 in the last 6 months. I paid it off again in XX/XX/XXXX. They decreased my limit down to {$180.00} ... stating they checked my credit and its because of my score. My credit score is the same as it has been since Ive had the card. I just requested an increase back to XXXX and they denied it. I have 100 % on time payments on my credit report. I find that their constant credit checks multiple times a year to be intrusive. Also raising someones credit limit then when they pay it off to lower it is also hindering someones credit score. I dont feel what they are doing is legal nor right. I want this looked into. How many times a year can a credit card company lower and raise a limit? How many times are they allowed to check your credit in a year? If a customer is paying their bill and the limit never carries long then why would you treat them in this manner? They already charge extremely high interest ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I report mobile application reporting name in error. Application displays a false alias. 
XXXX XXXXXXXX is acting as dictator over customer account & refuses to administer customer account correctly. 
Web app & mobile app displays closed-end account of a false alias when given name is an open end account. Banker asked customer to verify identity while customer complained application did print name correct. 
Banker stated on the clerks side of computer ; given name is viewed correctly than on customer side of mobile application a false alias is displayed with closed end credit account and no bank services available. 
XXXX XXXXXXXX is acting as dictator over customer account with open credit than tricking banker with XXXX XXXX to believe customer has open account services available when customer views an incorrect account name with closed credit and the name is very similar to account name with open credit.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every month. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am Im asking you to verify as accurate : Account name : XXXX XXXX XXXX  Account number : XXXX Account balance : {$1400.00} DATE XXXX Account term : XXXX
Product: Mortgage

Due to the limited amount of space to write the complaint, we will attach seven documents : one is the explanation of what transpired with the alleged refinancing, and the other six are exhibits supporting the written explanation.
Product: Credit reporting or other personal consumer reports

I am just trying to get the information that is on my consumer report removal. I have dealing with this for many years. Going back and forth so all I want to do is remove incorrect information.
Product: Credit reporting or other personal consumer reports

I've found mistakes on my credit report regarding 15 USC 16c-2. The listed inquiries were not authorized by me, and this incorrect information is negatively impacting my credit. Please remove all unauthorized hard inquiries. Thank you!
Product: Debt collection

Wakefield and Associates continue to call my phone 2 to 3 times a day I've asked them to verify this debit with a signature that I sign to authorize medical consent and financial responsibility. I know I never sign anything in 2018 to present with any emergency department regarding this bill they say I owe nor have they honor my request for a sign documentation in my handwriting. I've dispute this debit with all 3 credit report agencies and the say it's valid. As far as I'm concerned it's not a valid debit with out a valid signature from me I do not owe the debit.
Product: Debt collection

I am not familiar with this account. I have been disputing this account for some time now and have reached out to Bank of America for validation of the debt. How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them. It has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Checking or savings account

I spoke with XXXX from USAA on Monday XX/XX/2020 & she told me she would expedient my money to me this week. I forgot to ask her if she could overnight it to me. She hasn't returned my call and it is now XX/XX/2020. It's just downright cruel to do somebody not to let them have access to their money but to close it when it's on payday! I will make sure to let my friends and family not to do business with usaa! due to their cruelness!
Product: Checking or savings account

On XX/XX/XXXX an ACH transfer from my business checking account at Capital One was sent out to make a payment to a vendor for {$5000.00} USD. The vendor never received the payment. Please note this was for an OUTGOING transfer noted as " XXXX PAYMENT TO ... XXXX '' in my account. 

On XX/XX/XXXX I called the bank to inquire as to the transfer. I requested a trace number and the representative told me they didn't have one. I was told a claim would be started to find out where the money was ( claim # ending in XXXX ). In the meantime, she said they would refund my account. I was told this would take up to 10 business days. I asked for a trace number but they could not provide one. 

On XX/XX/XXXX they sent a letter. 

On XX/XX/XXXX I received said letter which said my claim was denied because their " records didn't show an INCOMING deposit from XXXX PAYMENT TO ... XXXX XXXX  They asked me to verify with the " sender '' their XXXX digit trace number. 

on XX/XX/XXXX at XXXX pm I spoke with a Capital One rep ( XXXX ID # XXXX ) who did not seem to understand we were referring t an OUTgoing transfer rather than incoming. She finally seemed to understand the situation and said she would update the claim. I asked for a trace number but they could not provide one. 

On XX/XX/XXXX I called again to check on the claim. I spoke with multiple representatives who kept passing me from one department to another. All of them were still under the impression we were talking about an INCOMING transfer. 

Finally, I was transfered to XXXX in the claims department. XXXX refused to give me her employee ID #. XXXX said the info she had on file was : - XX/XX/XXXX case opened - XX/XX/XXXX case closed - XXXX XXXX case closed again? 
- XXXX XXXX rebutal submitted after my phone call - XXXX XXXX case closed again, I was never informed. 

She said the case was closed again on XX/XX/XXXX because they did not receive enough information. She said the missing information pertained to the trace number on the transaction. I asked again if she had a trace number ; she said no. I asked how I was supposed to provide a trace number for an OUTgoing transfer when they, the OUTgoing bank, did not have it to begin with. She was confused. 

At XXXX pm ( one hour into the phone call ) she began opening a new claim ( new claim ending in # XXXX ). She said it would take 45 days to hear back on the new claim. I told her I did not want to wait that long given I have already waited 90 days for my XXXX XXXX dollars to be found. She said she could not expedite it so now I have to wait another month and a half for them to " investigate '' what happened to the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on XXXX, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on XXXX. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( XXXX ) XX/XX/XXXX and XX/XX/XXXX XXXX reported 30 days late XX/XX/XXXX when the account was not. XXXX also reported 60 days late XX/XX/XXXX and the account was not. ( XXXX ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( XXXX ) ( XXXX  ) ( XXXX ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.
Product: Debt collection

This is a bill from almost 3 years ago from XXXX. I disputed the bill it was found and taken off of my credit report. XXXX credit reporting Agency was the last person to actually buy it they keep selling it to different agencies even though I have disputed it with the credit report and has been removed. This reinsertion is illegal is constant and these companies are incessant they have harass me and I explain to them that the last person who brought the bill also had to remove it its been removed three times and they keep trying to ruin my credit by putting this on there as if I havent paid the bill when in fact I dont alter them any money they took their equipment I could never use anything so they just showed up at my home at a nowhere when I called and canceled they are the ones who canceled it not me I dont owe them anything I never did Ive always pay my bills they keep trying to ruin my XXXX credit score with a three year old {$60.00} bill that I am not going to pay because I dont know its intimidation this is disgusting
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud. 
XXXX - CARD SERVICE XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

there has been hacks into XXXX Trans Union and XXXX systems in the credit reporting on my credit report is incorrect. Also I never gave them permission to report any of the companies reported on my report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR EQUIFAX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I went to Ace check cashing store # XXXX to cash check she said she was out of money but she could give me XXXX and put balance on card i agreed she put XXXX in 10 min XXXX was being taken off card in XXXX XXXX XXXX  while I was still in store in XXXX as soon as I swiped my money was taken before I left the store reference number Ace flare account my money was stolen by Ace check cashing I never use the card as soon as I swiped and loaded the card money was stolen. This happened at the XXXX Ace on XXXX in California. Dont use these check cashing for money transfers they are fraud transactions ;
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX we came across a XXXX listing to get tickets for the XXXX XXXX game on Sunday, XX/XX/XXXX seller claimed to have section 104 row 2 for the game selling them for {$200.00} each. He responded via text message on phone number XXXX. He requested that we send the money via XXXX to the following email address XXXX or XXXX. He said that is his email address for XXXX and XXXX and sent a screenshot of his ticketmaster account without the bar code but never sent the tickets and stopped communicating via text or calls. I transferred {$500.00} from XXXX from my Bank of America bank account. I called the bank an hour after I didn't get the tickets but they were closed and called yesterday and was told to call today and speak with the fraud department. They will not refund me for this transaction. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened without my knowledge or consent sometime in XXXX or XXXX with XXXX XXXX XXXX. I never opened this and I was working outside of the United States as a XXXX. This fraud was revealed during a required security clearance check. XXXX XXXX refused to correct their mistake which is clearly a violation of the Fair Credit Reporting act. In act they, and their Collection agency has told me to " pay or die! '' This was an agent at XXXX who then proceeded to call my father and demand double what they are reporting! They " skip traced '' and began threatening my XXXX XXXX XXXX father saying he was liar and that he was me. XXXX XXXX XXXX and XXXX XXXX clearly violated the Fair Debt Collections Practices Act. Their mistake will cause me to lose my security clearance any my job.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX my information were using without my knowledge.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX