23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a television from XXXX & XXXX XXXX online on XX/XX/2023, using my Chase Freedom XXXX card for {$320.00}. However, I did not receive the television due to XXXX XXXX personnel 's negligence. They left it outside the building instead of delivering it to my unit, resulting in it being lost. I contacted XXXX & XXXX personnel and my credit card company immediately for assistance. A week later, XXXX & XXXX decided to refund me {$320.00}. However, XXXX months later, they secretly withdrew the same amount from my Chase XXXX card account again. I have tried contacting them via mail and phone, but to no avail. 

I believe that Chase XXXX credit card company should not shift the responsibility of the loss onto the buyer, as it was the delivery personnel 's fault. The seller should have insurance, and the delivery personnel should deliver to the front doorstep of my residence. Therefore, I request that Chase credit card refund me, as I did not receive the goods.
Product: Debt collection

I have been receiving numerous threatening phone calls and messages from this collection agency Brenman & Clark and when I finally decided to talk to them, the person disclosed personal information about me that I was very uncomfortable with. For a moment I thought it was a scammer. This person was extremely rude, threatening and continues to harass me.
Product: Vehicle loan or lease

XX/XX/21 : Bought XXXX XXXX XXXX truck from a private individual. XXXX paid US Bank in the electronic transfer of funds at XXXX XXXX of {$37000.00}. 

XX/XX/21 : New buyer ( complainant ) received a lien release from US Bank dated XX/XX/21. 

XX/XX/21 : XXXX XXXX Kansas XXXX in XXXX, KS would not accept the lien release was not valid as it did not have a notary stamped and both seller 's names on the release. On the same day, the buyer drove to XXXX XXXX, KS to a US bank ( XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX. XXXX XXXX XXXX to discuss the issue with the Manager. The manager then called the main US Bank branch in XXXX WI and was told to put in for a new lien release. New release requested entered. XXXX # XXXX. The buyer told it would be 20 days to receive the 2nd lien release from XXXX WI. 

XX/XX/21 : XXXX called US Bank in XXXX KS XXXX XXXX XXXX XXXX ). Spoke with XXXX, advised to wait a few more days for lien release to come in the mail. Unsatisfied with the response from XXXX, the buyer called US Bank in XXXX, WI. Spoke with agent XXXX who reported that the second request placed on XX/XX/21 was denied to be sent to the buyer 's address, but could have it faxed to the XXXX in XXXX XXXX Kansas. Request for fax placed. XXXX # XXXX. 

XX/XX/21 : Buyer called XXXX XXXX Kansas XXXX to see if the fax from US Bank XXXX had been received. XXXX agent checked all faxes received. This request was not found. The buyer then called US Bank XXXX XXXX, WI, agent told the buyer that the request to fax the lien release was " in review '' and had not been sent. The buyer requested to speak to a manager, none available at the time. The buyer requested a manager to call back to discuss the situation. No return phone call received. 

Complaints concerns and with for resolution : Multiple days of work have been taken by the buyer to address this issue. XX/XX/21 Buyer will be outside of the mandate to tag the vehicle within 60 days, which will incure associated fees for late payment of sales tax and transfer of title. There is also concern of citations and fees if law enforcement pull over the buyer in the vehicle.
Product: Debt collection

I have received numerous phone calls as have members of my family, threatening jail, arrest, police coming to my door and if we have guns on the premises to lock them away. My mother was even threatened that they would lock her up if she did not tell them of my whereabouts. All from a company by the name of XXXX XXXX XXXX ... XXXX. The people we have heard from are a XXXX XXXX and a XXXX XXXX. 

These claims were discharged in Bankruptcy several years ago and these companies were notified of the hearings and at the time did not try to contest it. 

I have tried to inform them of the bankruptcy but they just laugh and tell me they will see me in court. I have given them all my contact info but to date have received nothing from them and they still call and harass my family.
Product: Money transfer, virtual currency, or money service

I opened an account with ally bank, sent deposit slip and XXXX check that clearly said us. Dollars printed not written. At first they claimed not to have received it then e mailed they have it but they dont cash foreign currency, I told them it clearly says American dollars they said to look for it in the mail, they lost it I am now out XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200 or 100 which are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against all XXXX credit bureaus of XXXX, XXXX, and XXXX for reporting incorrect information and incomplete information on my credit reports on said account of first premeir under account number XXXX that shows a high balance of XXXX. Account has been disputed with all XXXX bureaus and was verified as corrector accurate.A copy of the consumers smart credit 3 bureau credit report is included so the account can be side by side by side so all errors and discrepancies can be verified. The said errors are : XXXX. XXXX reports no late XXXX, XXXX, or 90 days late. XXXX reports XXXX 30 days XXXX 60 days late and XXXX 90 days late. Then XXXX reports XXXX 30 days late, XXXX 60 days late XXXX 90 days late. No way was the consumer XXXX 90 days late. All differ and can't be clarified as correct and verified. XXXX. XXXX and XXXX report highest balance as XXXX. XXXX reports XXXX as highest balance. All can't be correct. XXXX. All three report different dates of last activity. XXXX shows XXXX as XXXX. XXXX reports XXXX as XXXX. XXXX shows XXXX as XXXX. All are different and all can't be correct. XXXX. Both XXXX and XXXX show date of last payment as XXXX. XXXX shows date of last payment as XXXX. All don't match. XXXX. Both XXXX and XXXX show credit limit as XXXX. XXXX shows credit limit as XXXX. XXXX. Date last verified is missing on both XXXX and XXXX reports. XXXX. Date closed is missing on both XXXX and XXXX reports. XXXX. XXXX report under dispute status says account not disputed. Contrary on same report under XXXX 's Remarks it says account disputed. Both can't be correct. XXXX. XXXX report under XXXX 's Remarks says account is disputed. No dispute exist or pending and been concluded. Once dispute is over, XXXX is to immediately delete any codes or remarks for dispute. XXXX failed to delete dispute remarks/codes from account. XXXX. XXXX reports account not disputed under Dispute status. Contrary on same report under XXXX 's Remarks it says account disputed. Both differ and can't be correct. XXXX. XXXX  report says account disputed. No dispute is pending and has been concluded. Once dispute is over, XXXX was obligated to remove all dispute remarks or codes from account which was neglected to be done. XXXX. XXXX report shows account disputed under Dispute status and under XXXX 's Remarks. No dispute exist or is pending and has been concluded. Once dispute is over XXXX was obligated to remove all remarks or codes pertaining to dispute and failed to do so. All errors should result in deletion of this account.
Product: Mortgage

I have requested NUMEROUS times to have my mortgage statement MAILED to me. I initially requested e-statements but decided later I wanted a paper statement. 

The loan company is XXXX AKA LoanCare. My loan was to XXXX and I guess XXXX went into bankruptcy and this new company bought their portfolio. Anyway - I want a paper statement.
Product: Credit reporting or other personal consumer reports

Dear transunion, I am unaware of these accounts I believe this to be fraudulent and I would like this to be removed. Thank you. 


XXXX XXXX  : Acct # : XXXX : Amount : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX : Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX : Acct # : XXXX : Amount : {$0.00}
Product: Debt collection

This account was part of a XXXX  XXXX XXXX  back in XXXX  reference number for the XXXX  is XXXX
Product: Credit reporting or other personal consumer reports

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, XXXX XXXX XXXX XXXX XXXX wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Product: Credit card or prepaid card

On XX/XX/2021, I applied for a XXXX credit card through American Express. The application had a marketing pitch where I could receive XXXX miles if I applied through the link and met a spending threshold. I applied through the link and met my threshold. I waited for a time, then finally reached out to American Express to see where my bonus miles were. I received this response through chat : " There are more factors involved than the number of accounts you have opened and closed over the years. Based on your history with American Express, we did not approve you for the welcome offer on this account. My apologies. '' American Express never indicated to me that I was not approved the welcome bonus, but they were happy to approve me for the card and charge me an annual fee. If there was an indication that I wasn't eligible for the welcome bonus, it was written in the fine print and not readily disclosed. If I had seen it, I would not have applied for the card.
Product: Money transfer, virtual currency, or money service

The Arbitration Provision requires a written, mailed notice to out-out therefrom ; this is inaccessible for blind users.
Product: Mortgage

Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America in XXXX. When I did my home refinance with XXXX in XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopened this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a fiduciary, Bank of America should put the interests of its customers in the first place and must keep its promise to the customer! It not, Bank of America must pay for the damage caused. 
Thank you! 
XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies.

Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : FLORIDA DEPT OF REVENUE Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX
Product: Consumer Loan

Our Son had medical problems and suffered a XXXX XXXX XXXX and We discovered that he had this title loan and i went over to the title max office to pay off this loan and I about had a XXXX XXXX when I seen that they had a ludicrous Interest rate of 167.88 % SAD World when these type of people are allowed to charge a phenominal interest rate to people who are already in deep financial trouble. HOW CAN THIS EVEN BE LEGAL?? NEW LAWS NEED TO BE ENACTED, and all financial institutions should not make any types of loans that the people can never re pay! This file is written by father, XXXX XXXX XXXX who paid off this loan.
Product: Money transfer, virtual currency, or money service

I was in a XXXX XXXX whenever my dad told me I had an email stating my taxes was deposited into my cashapp. When I got home I tried to access it and I had been logged out of my email and had no access to it. I called cashapp support and they helped me get into y account well it was all types of transactions done been made I know I told my dad to make the XXXX to my probation which he did online using my debit card that was linked to my account. But other than that no transaction shouldve been made well I went to file a dispute and its done been several of them made that was not authorized by me. I came home XXXX
Product: Credit reporting or other personal consumer reports

I know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's report. I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act.
Product: Credit reporting or other personal consumer reports

XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on XXXX is XX/XX/XXXX while on XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX XXXX The Date Last Active is XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well Equifax says XX/XX/XXXX, XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; XXXX is XX/XX/XXXX, XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX. The creditor 's contact information is missing.
Product: Credit reporting or other personal consumer reports

My credit report is showing inaccurate information I am very concerned, because this is affecting my ability to get credit. I am single dad am not able to get a new apartment because of these errors. I am being ignored and XXXX is disregarding my disputes. This is a violation and I demand this be corrected by you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am writing to complain about wrong information on my credit report. Following addresses are inaccurate and not my current or current address. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE DELETE AND REMOVE ALL INACCURATE INFORMATION IMMEDIATELY.
Product: Credit card or prepaid card

I have a XXXX credit card with Capital One. They closed my account due to several returned payments. For the duration of my account which spans several 5+ years, I have had it set to autopay to pay off the monthly balance each month. Starting 2022 I started having some financial challenges and starting in XX/XX/2022 switched to paying the minimum balance on time each time. But because of the returned payments which was simply due to the autopay not being turned off, the account was closed without any forewarning. I accept that oversight as my responsibility. However, I have accumulated significant reared points on my account- upward of {$1000.00} that was forfeited when my account was closed unilaterally. I have asked them to let me redeem it but they are refusing. This is completely unfair.
Product: Credit card or prepaid card

I applied for a secure credit card with a {$200.00} balance. My account was closed with a full balance and there was never a refund issued. I called and spoke with a customer service representative and was told a refund should have been issued because 10 weeks have passed since the account was closed. I was then told to send a fax with my name and account number for a refund. I sent the fax and also mailed a letter with my information to obtain a refund. It has been more than 4 weeks since and I have not received the {$200.00} refund. I called customer service, and the representative could not provide any updates or information regarding the refund.
Product: Credit reporting or other personal consumer reports

I sent a validation letter to XXXX XXXX XXXX  on XXXX for alleged debt and cease and desist. This is not my debt and debt has been paid.
Product: Credit reporting or other personal consumer reports

15 u.s.c 1681s-2, the statue of limitations has been extended because a charge off was reported month after month on this account. 

My credit file states that I been having charge off reported on the same account since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIS IS NOT A DUPLICATE* My family was in an accident XX/XX/XXXX, we were almost in a head on collision with a driver who was under the influence of drugs. I reported the incident to my insurance company and I called the finance company in charge of my account which happens to be Ally financial. I told them the situation about the car and that the car was totaled. Each time I called I spoke with a different person and had to explain the situation all over again. For some reason they refused to move the account to total loss even though I gave them all the information I had and my account continued to accumulate interest and fees and debt. I sent them a {$10000.00} insurance check that I confirmed that they received and still refused to move the account to total loss so that the accident can be reported to my gap insurance so the remaining balance can be paid for. Now they have reported on my credit negatively so much so that I cant dispute it because had they turned my account over to total loss earlier than allowing it to go into collections, the account would have been paid off. Today, XX/XX/XXXX, I spoke with a XXXX from the Ally Financial Redemption Team and his employee ID is XXXX. He confirmed that my total balance is {$44000.00}. He was going to give me a breakdown where all those fees were coming from but I told him I didn't want the total breakdown because that amount shouldn't be that amount, it should be way lower than that because they should've added this total loss. He also kept asking me if I still had the vehicle even though one of Allys representatives had already confirmed that they had the vehicle that they got from the junk yard, which is on their recording. On XX/XX/XXXX my husband found a link on Ally Financials site which allows a person to file a claim for gap insurance. The XXXX XXXX that we owned had gap insurance but this option was never told to me because the representatives never handed my case over to the total loss department after the accident. I have previously spoken to several supervisors and managers who said they were going to get it escalated to total loss and I had even spoken with someone from the total loss department one time and nothing ever came from it after that, no follow up calls, nothing.
Product: Credit card or prepaid card

On XX/XX/2022 there was a charge on my Sam 's Mastercard for {$42.00}. I went on my Sam 's account and verified I didn't purchase anything on this date for that amount. So, I called Sam 's customer service and they stated it was a charge that " XXXX '' made ( my sister is my free 2nd membership person ). I explained to them that is my sister and she has no access to my account and how could this charge be on my credit card? They said we do not see any purchases under your account for Sam 's on that day for that amount. I explained yes I know that is why I am calling. So, once again I asked how could XXXX have made a purchase and it show up on my Credit card. They said they would have to have the back office check on and get back with me. Needless, to say I never heard back and I called back again on the XX/XX/2022. They directed me to contact Synchrony bank and file a dispute. I called Synchrony and filed a dispute. However, no one can explain to me how this transaction could even happen. My sister lives in Kentucky and I live in North Carolina she has no access to my credit card. My sister physically was in the Sam 's club in XXXX KY and made this purchase with her debit card. She sent me a copy of the receipt showing it was purchased with her debit card and cleared her bank. When i sent all paperwork to Synchrony I also requested a detailed explanation of how this transaction could have been put on my account when there is no access to my Mastercard. I have not heard back from them for explanation I have received a credit. However, there is a breach on their end for this transaction to even have happened. I have requested an investigation but have not heard back. This is very concerning because if I had not checked on my credit card Sam 's would have been paid twice once from my credit card and once from my sisters debit card. How this could even happen is concerning and needs to be addressed and investigated.