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

On XX/XX/XXXX, I purchased a pair of XXXX audio headphones. After using them, I was n't satisfied with some of the features such as sound quality and noise cancellation. On XX/XX/XXXX, well within the 30-day return period, I proceeded to the store to return the item. I was then told I was not allowed to return the headphones. When I inquired as to why, I was told that I had made " too many returns '' and could not return merchandise for 1 year. I was given a slip with the name of the third-party vendor that BestBuy utilizes to monitor return activity. Nowhere is such information listed on their receipt, or in the store. The merchandise was functional and completely returned in the original packaging. When working with the BestBuy Executive Resolution Specialist, follow up was by coincidence slow to intentionally ensure if I were able to return the item, I would miss the 30-day window. After demanding an update, XXXX informed me that she was unable to lift the blackout of returns and offered me a {$100.00}. At that time, I advised how disgusted I was with the treatment and felt that since this was the best customer service I could get, I 'd take the gift card. HOWEVER, XXXX, denied my acceptance of the offer, and instead informed that XXXX XXXX XXXX   that I declined. Per the documentation, that is an outright fabrication. This return policy is deceptive. We as consumers do n't have any idea that our purchases and returns are even being monitored. Let alone, that we only have limited capability to truly determine if we 're satisfied with the purchase. This policy is well hidden and extremely convoluted leaving a consumer to feel as if they do n't have rights. This is an unfair and deceptive business practice employed by BestBuy. First, as an Elite member,  we are given 60 days to make returns based on the volume of purchases. Secondly, as a BestBuy credit cardholder or Elite Member, they NEVER disclose that they track purchases based on your e-mail or account information to limit the amount of returns you can make. So while BestBuy has their " general '' return policy posted in stores, what they do n't advertise is that they have two separate return policies in place that greatly limits the consumer ability to fairly choose whether a product is right for them. Therefore, I demand that Best Buy honor their offer of providing a gift card, as well as lift the " blackout '' of no returns from my account immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
I XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Product: Checking or savings account

Chime /XXXX XXXX closed my checking account suddenly without notice with a balance of {$5700.00} which they did not reimburse to me. Below is their email of XXXX XXXX  I called them immediately and ask for my money. They said they would send me my funds in 30 days. They lied. I have not received my money. 



Chime Member Services <XXXX> To : XXXX XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX Chime Hi XXXX, Thanks for reaching out to Chime Member Services. My name is XXXX and I'm more than glad to assist you. I hope you are having a wonderful day! 

Let me help you with that : Spending Balance : {$5700.00} Savings Balance : {$0.00} Youll be able to check your current balance on the home screen of the Chime app. And you can also set up daily balance notifications by going to your Settings, scrolling to Notifications, and turning on Balance Alerts.

Please let me know if you have any other questions about your Spending Account. 

Thanks, XXXX | Chime Member Services Below is another email from Chime : hime Member Services <XXXX> To : XXXX XXXX Thu, XX/XX/XXXX at XXXX XXXX Chime Hi XXXX, Our issuer, The XXXX XXXX provides banking services to many other companies like Chime. They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure. 

Direct deposits, ACH debits, and recurring debit card payments may be rejected after your account closure date, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies/ Kind Regards, XXXX | Chime Support
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX Experian received a mailed dispute by certified mail regarding disputes that I attempted to file. In tradition with the previous ones I sent, which they acknowledge to have received on XX/XX/XXXX - XXXX sent verification of ID with a picture of my ID and Social Security Card. Today, XX/XX/XXXX I received an email that they are ignoring this request because they believe it was not sent or authorized by me. Despite that my ID and SS Card were attached, which is rediculous. 

When I called into customer service as directed by the email - nobody could understand why I received the email as no documents had been scanned under my file since my last XX/XX/XXXX dispute which is active and still pending. Receiving the email dated today can only signify that they received my request on XXXX and despite my documents are refusing to investigate because they believe it is not me. I am attaching their email along with my original request sent by certified mail and delivered. 

I see this as a stall tactic. Even if Experian believed it was not me, or " anyone authorized by me '', why would they not investigate claims mailed from my on-file home address and that have my Driver License and Social Security Card attached? Who " unauthorized '' or " not me '' would have access to color copies of my license and social security card unless it was " myself '' or " someone authorized ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

First Investors Servicing Co. XXXX XXXX XXXX sold - XXXX XXXX In accordance with the FAIR CREDIT REPORTING ACT, First Investors Servicing Co. has violated my rights. 
15 USC 1681 section 6028 states I have the right to privacy. 
15 USC 1681 section 6048 section 2 also states a consumer reporting agency can not publish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered that some accounts are not mine. I would like to dispute them and I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I have never signed for or agreed to these charges. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent, and permission.
Product: Debt collection

HIPAA Violation : In XXXX, XXXX and XXXX of 2019 I requested that IC SYSTEMS INC verify this debt according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract to which they have repeatedly violated and continue to do so. I also recently requested they provide proof under the FAIR DEBT COLLECTION PRACTICES ACT proof of HIPAA Authorization.
Product: Checking or savings account

I had a checking account with Wells Fargo bank and tried to deposit a check into my account in person in their only branch in XXXX, NV when I was traveling through town with my RV on Tuesday, XX/XX/year> mid-day. I tried to deposit a check in the amount of around {$140.00} written by XXXX XXXX XXXX ( XXXX XXXX XXXX ) for a refund on some of their services. They refused my deposit despite me having 3 form of picture ID on me ( DL, US passport, another country 's passport ), and additional forms of ID including SSN card, plus various bank cards in my name. I was harassed, verbally abused and threatened, accused of being a fraud, clearly because of my ethnic origin and being an XXXX. Bank employees literally laughed in my face as they refused service. Was refused a deposit and threatened with police. I was asked to state my SSN information verbally with numerous people present in the branch where everyone could hear me, to " prove who I were '', which I of course refused for privacy reasons. I was illegally discriminated against, harassed and refused service. Also them refusing me a deposit caused hateful unhinged bigot who was behind me to threaten me and yell at me, and me having to stand my ground against him, he later followed my RV through town yelling threats and showing me a fist and a middle finger, which could have lead to injury or death, which Wells Fargo would have been liable for. I had already reported this incident to Wells Fargo and had closed my account with them, however there's no indication that this vile criminal organization that abuses and defrauds customers would do anything to address this ( the complaint line had put me on forever hold, which was later disconnected and I haven't heard from them again ). In addition I suffered health damages from this incident of illegal discrimination, threats and denial of service. My associated bank card number was XXXX ( now closed )
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 
XXXX. Capital One Auto financing : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX XXXX XXXX XXXX XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report.
Product: Mortgage

I am filing a complaint against United Wholesale Mortgage Company for Practices of Unfair, Deceptive & abusive Acts committed against me. 
In the summer of XXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I requested a forebearance from United Wholesale Mortgage ( UWM ) for 6 months under the government 's Covid forebearance guidelines. XXXX used deceptive practices in telling me that when the 6 month deferrment period ended that the amount in arrears would be added to the back end of the mortgage.However on XX/XX/XXXX of XXXX, I was informed by UWM that I would need to paythe 6 months payments in arrears, all at once or face penalties & foreclosure. I tried to negotiate a repayment plan & paid {$23000.00} in XX/XX/XXXX, {$13000.00} in XX/XX/XXXX, & another {$13000.00} in XX/XX/XXXX. Then the customer service informed me that they needed 4 more payments of {$13000.00} for the next 4 months. 
This was again deceptive practices because I was told only 3 months not 6 months of repayments. I requested Loan modification documents various times & submitted with all back up documents a loan modification & the lender never responded. In XX/XX/XXXX the lender hired attorneys & commenced foreclosure process. Ihad to protect myself under federal bankruptcy laws & filed a XXXX  XXXX bankruptcy. Ive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX & have been struggling ever since to make ends meet. I need help in intervening with these lenders to stop the foreclosure & work together on a loan modification please. This is my forever home and my family of XXXX lives here. 
trying to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, name on file, addresses, nor did I authorize these companies to pull my credit.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ). 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXXXXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Debt collection

This is concerning a XXXX XXXX bill for an account that I never established. Sequim Asset Solutions at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX filed a judgement on my credit report against me stating that I owed {$840.00} for an account I never established. I never received any communication from the company despite my previous attempts. I contacted all three credit bureaus to rectify the situation and filed a complaint but they have responded that Sequim Asset Solutions reportedly verified and validated the account in spite of the fact that I never opened the account. There are no contracts, letters, or receipts to show that I ever established this account but they said they were able to verify that this account existed. This information was never sent to me because I never established this account. 

The credit bureau stated that I would need to contact your company to attempt to resolve this matter. I hope to hear from you soon in my attempt to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and Experian has violated my rights as a consumer by posting accounts onto my credit report that are incorrect - therefore they are operating illegally and violating my rights as a consumer, as mentioned in 15 U.S.C. 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2.

The letter attached to this complaint incorporates the issues identified in the CFPB lawsuit and references my rights under the FCRA to demand compliance and corrections. As you all have proven, this bureau does not conduct proper research into the disputes that we as consumers file, and as a result, I still have accounts that do not belong to me illegally reporting on my credit report. Please remove these accounts as soon as possible, as they have already cost me great distress by negatively impacting my credit score.

15 U.S.C. 1681, Section 602 ( A ) - Purpose of Consumer Reporting Agencies Under this section, consumer reporting agencies such as Experian must ensure that the information they report is accurate and complete.

Section 611 ( 15 U.S.C. 1681i ), requiring that Experian investigate the inaccuracies and correct or remove the incorrect information within 30 days
Product: Mortgage

We were informed by BBVA ( now PNC Bank ) that our mortgage loan would mature on XX/XX/XXXX, per a letter from the bank dated XX/XX/XXXX. To our surprise the amount due on XX/XX/XXXX was not our required last payment of XXXX, but we were informed that it was XXXX. 
We paid the XXXX in fear of foreclosure on XX/XX/XXXX. 
We have requested an explanation or payment record supporting the XXXX discrepancy from BBVA on XX/XX/XXXX and PNC Bank on XX/XX/XXXX. 
While we did receive a request for more information from PNC Bank which we provided on XX/XX/XXXX, we have yet to receive any information to support the balance we feel we were forced to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years, I have availed myself of the XXXX website to obtain my free, annual credit reports. Obtaining those reports immediately online from XXXX  and XXXX  is never a problem ; however, Equifax is a different matter. 

I have never been able to obtain my Equifax report online because of significant road blocks put up by Equifax. Those road blocks are : o Their report is never available online. 
o They tell you that in order to retrieve my report, I must do so via land mail. 
o In requesting the report by mail, they ask for wholly inappropriate documentation be sent via land mail, creating information security and privacy concerns. 
o Those documents include sending one of three identity documents that include your social security card ; and one of five address verification documents that include your drivers license. 
Equifax is clearly not acting within the spirit of the free annual report concept by throwing up these road blocks. This sounds like the PERFECT project for the CFPB! Please help us consumers out. Equifax is still under the impression that our information is theirs.
Product: Credit card or prepaid card

I requested a new card and I have not received it. I would use the secure message center but that Chase provides but it has been my experience in the past that the customer service individuals don't even answer the questions. Usually they just copy and paste a generic message that tells you to call them. I want this response in writing so it can be documented to protect myself. I would think that Chase would want that same sort of documentation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters concerning this matter over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter promptly and efficiently.
Product: Credit reporting or other personal consumer reports

XXXX I Requested a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not PACER ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting.

Instead of doing so. Transunion closed my initial investigation request ( on XX/XX/24 ) WITHOUT providing me any documents Certified by a Professional ( employee ) at the Federal Agency ( Court ). 

XXXX I initiated a Second Request for a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not PACER ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting. 

XX/XX/24 ... I received an email abruptly closing my request with Transunion FALSELY stating that I cancelled closed the investigation ( **SEE ATTACHMENTS PROVIDED TO INCLUDE STATEMENT ON CANCELLATION ). The agency is also selecting " Reason For Investigation/Dispute '' other than what is relayed over the phone... For example... Selection of " This Account Does Not Belong To Me '' instead of the true nature of the investigation,. 

XX/XX/24 ... I attempted to review my Transunion credit file and the company has locked me out... stating I needed to verify my email address. I clicked the Verify Email Address icon... was sent a verification email..clicked on the appropriate link only to see a message stating the link had expired ... .I attempted this ( 3 ) times without delay in clicking any links but have been locked out and prevented from viewing my report. I did advise Transunion I would report their illegal way of handling my Public Record full investigation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX. Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX  Account # 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 or other personal consumer reports

Equifax, You are reporting inaccurate information on my credit report and negatively impacting my ability to secure credit. The following illegitimately reported accounts have been thoroughly investigated and deleted by XXXX. 

Accounts in Question : XXXX XXXX XXXX Account XXXX...
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please fnd the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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