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

I opened a Chase credit card in XX/XX/XXXX, for the benefit of a 6 month XXXX interest period for repayment. I used the electronic card for online shopping at Amazon, and never used the card for any other transactions outside of those Amazon purchases. I never received the card, and did not realize I did not receive it, until i was contacted by Chase on XX/XX/XXXX. 
I was contacted by Chase on XX/XX/XXXX when they noticed suspicious activity on my card. I received the following text message : " Chase Fraud : We declined {$93.00} with card ending XXXX at XXXX  XXXX XXXX Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. '' I replied NO and received a call shortly after. The representative told me they sent the text due to suspecting fraud. She told me the liquor store charge was declined, and a woman called Chase, pretending to be me, to try to get the transaction authorized. The representative told me the woman was able to answer some identifying questions but that it was all information that was available online. She stated she remained suspicious when the woman reported that my cell number on file was a landline. I checked my wallet and unopened mail and realized I never received the card. I informed the rep of this, and assured that I had never swiped the card, had only ever used it in my electronic Amazon XXXX, and had never authorized anyone to use the card. 
On around XX/XX/XXXX I received a letter with the results of my dispute. I misread the letter, thought it was resolved in my favor, and threw out the letter. 
On around XX/XX/XXXX I received my statement and realized the charges were not reversed. I contacted Chase and reopened my fraud investigation. When asked, the representative I spoke with informed me the claim was denied because the card was swiped. The representative acknowledged that this was not a good reason to deny a claim since I never received the card. The fraudulent charges total more than {$2000.00}. Charges were made in cities that I have not been at all over the past several years. They were made every day of the week, an hour or more from my home and two hours or more from my workplace. I informed the representative that it was impossible for me to be at the places the charges were made. 
On around this same date I filed a police report with my local PD to document the theft. On the same date, I froze my Chase card. 
On XX/XX/XXXX I logged in to my account to unfreeze my card and saw the full balance remained, and I had a letter in my inbox that the claim was again denied.
Product: Debt collection

I know that XXXX is medical billing credit card. However, I do not know what services were provided, when services were provided or to whom services were provided. 

Midland Funding has NOT to date sent me any and all monthly billing statements for my review. 

Midland has NOT to date sent me any and all information to review that proves that this debt is mine.

Midland has reported inconsistent and incomplete information on my XXXX   credit file regarding this account. 

Please tell me what services were provided to the individual on this account to bring the total to current amount. 

Please tell me when this account was opened, the payment history and what is the date of the first missed payment. 

Please provide the signed contract from the original creditor so that I may ascertain if the debt is mine. 

Please provide documentation that shows Midland is authorized to collect this debt. 

If this information can not be provided for my review, this account should not be reporting on my XXXX  credit file. Failure to provide me this information is a violation of my rights. 

Please either provide the information that I have requested or immediately have this account deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a car and they were only suppose to use my pre approved letter from XXXX XXXXXXXX but instead they ran it with the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX 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
Product: Debt collection

Since the new year, it's only been 23 days. This company has called me over XXXX times. I get 2 calls a day from them. I have told them I do not have the money and they continue to harass me every day.
Product: Credit card or prepaid card

There were XXXX separate credit cards opened in my name. 

The first company was Wells Fargo. I received the card in the mail on XX/XX/2023 and realized I did not open that account. I immediately tried to dispute with XXXX. 

Another card opened with XXXX XXXX XXXX XXXX I also reported this as a fraudulent account with XXXX. 

I was told they would be taking care of the accounts but also to report it. 

Both accounts are fraudulent.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given NATIONWIDE RECOVERY SERVICESXXXX XXXX XXXX/NATIONWIDE RECO prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, NATIONWIDE RECOVERY SERVICES, XXXX XXXX/NATIONWIDE RECO XXXX XXXX, XXXX, XXXX XXXX written permission or consent to obtain my information or to furnish my information.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a XXXX delinquency error removed from my Credit Report. XXXX XXXX XXXX made a posting error and posted my payment to XXXX of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : Correspondence Card Services Dated XX/XX/XXXX XXXX XXXX XXXX Old XXXX XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXX po box XXXX XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX 4840.This account was reported 30 Days late on my credit reports and Im am requesting that the XXXX delinquency be removed and listed paid as agreed. I was notified via of email by XXXX XXXX XXXX service on XX/XX/XXXX XXXX this XXXX delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX  XXXX your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Product: Mortgage

I am a senior citizen and was sick for some months and could not pay my mortgage. I was told they would foreclose my home. Since I hadn't been able to work, I did not have the money to pay a lump sum. My loan had only 19 more years to go, mind you I have a 7.4 % loan. So they told me they could " help '' me by reducing my mortgage payment by {$100.00} per month but I had to sign a " refinance '' paper that put me on a 40-year mortgage! Since I didn't have any other option I had to sign that paper so as not to be evicted from my home. So my mortgage went from 19 years to 40! The only deduction {$100.00} a month. I was scared to be homeless, I'm XXXX XXXX XXXX and they definitely took advantage of my age and my health. So now, I have a 40-year mortgage on my back which obviously is a rip-off. This shouldn't be allowed, taking advantage of an old man for their benefit. I have been asking for refinancing but have been denied constantly. I need help with this urgent matter. If I die, I don't want to leave this burden to my children. I was taken advantage of because of my age and state of mind.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference.

Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date.

Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Midland Funding ha s repeatedly called me about a debt after I have told them to stop contacting me. They continue to call me from fraudulent phone numbers  ( which I still h ave on record ). I have requested in writing that they provide me a copy of this debt which they have not. They have filed a garnishment against me in court without ever serving me any type of documentation and the only way I found out about the suit is via spam mailings from attorneys trying to pressure me into filing bankruptcy . Midland has   dispersed my personal information to several law offices without my consent (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    et c ) . Midland funding  has deceptive bullying collection tactics inorder to recoupe from the many lawsuits that have been filed against them which they have lost and have been held liable to pay. They target people in order to Illegally gain money from them. There have been multiple settlements against this company as their practices are ILLEGAL yet they STILL repeatedly violate the FDCPA by attempting to collect on debts that are invalid, non existent and even too old.
Product: Credit card

I am very alarmed that a fraudulent charge has been allowed on my Capital One card despite following their procedure to deny the unauthorized charge. A merchant that I ordered from charged me for an item that I had removed from my cart, and I learned of the mistake by receiving a text from Capital One that says " Hi it 's Capital One. Did you just spend {$380.00} at XXXX ...? Text CONFIRM if yes or DENY if no. '' I researched the transaction and asked the merchant to cancel. When they would not cancel, I wrote DENY. I then followed procedures to call and confirm correct pending transactions and ensure this charge did not process. During the call I was first told that I had to wait 5 days to dispute the charge, to which I replied that the merchant would have shipped the item by then and I 'd be forced to go through their return process and pay return shipping for an item I am reporting as unauthorized. I spoke with a supervisor, and this is where I realized I needed to report a complaint. The supervisor tried to hang up on me several times because I found this same answer unacceptable. She was incredibly rude, had no patience for my frustration, which is founded, and also would not allow me to record the call. When I asked if I could record the call, she said, " No you may not, good day. '' And hung up on me. I felt this was not only poor customer service, but irresponsible handling of a customer 's report of an unauthorized transaction. At this point both the merchant and Capital One are making pay for a fraudulent charge. This makes me apprehensive about my liability under such circumstances. The person I formally wish to file this complaint against is XXXX at Capital One, Employee ID XXXX.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX on XX/XX/2019. I added a warranty to the purchase. I told them I wanted to finance with XXXX XXXX XXXX. They said they worked with them and I could refinance later. Their finance rate is 5.99 %. XXXX XXXX XXXX 's rate is 3.69 %. 
The next day I called and cancelled my warranties. There were two:1. ) Service contract for {$2300.00} and 2. ) Wheel and tire warranty {$990.00}. Total of {$3300.00}. 
Then I called XXXX XXXX XXXX to refinance and they said I needed to wait for my title. 
My title arrived in late XXXX So now I have waited nearly two months, while paying 5.99 % on {$3300.00} that I don't owe. 
I checked my balance owing to Toyota Financial and they had not credited my account for the warranty. I called the finance manager at  XXXX XXXX. I did not get a return phone call. I sent an email. No response. 
Several days later I got a notice in the mail saying that the {$2300.00} had been credited, but not the {$990.00}. They said it generally takes about 2 months to credit an account, So I still couldn't refinance. I called again. I wrote 3 emails. I was told it was taken care of. I called Toyota Financial. They had not received the request from XXXX XXXX. So now I need to wait another 2 months.They said I would see the credit at the END of my loan. They are trying to get me to finance {$3200.00} for 7 years at 5.99 % THAT I DON'T OWE. 
In the meantime, I am paying 5.99 % interest to Toyota on {$3300.00} that should have been credited. And I have a lock on a 3.69 % interest rate at XXXX XXXX XXXX that will expire soon. If I have to reapply to XXXX for a car loan, I will end up with the new and likely higher interest rate for 6 or 7 years because Toyota won't refund my money, something that should take fewer than 5 minutes to accomplish.
Product: Debt collection

I moved into the XXXXXXXX XXXX on XX/XX/XXXX, and moved out in XX/XX/XXXX. I was told I didn't have to pay the debt because of all the issues I was having. They never did any repairs after being told maintenance was coming to repair the issues. The following issues I was having are : The toilet was broken A crack in the window in my daughter 's room I had no stove for a month after moving in I had no heat during the winter tine After a month, I finally got a stove. When they came with the stove, I thought they were going to repair all the other issues, but they didn't. Because the window had a crack in it, bugs came in and my daughter was bitten. I called the office and went to the office on a daily about the problems. They kept telling me they would send maintenance. They never did. A storm came in and blew the entire window out. I called the office and they sent maintenance. I thought they were going to repair the window, but they didn't. They just put a piece of wood on the window, I stopped paying rent because they never fixed the issues. I told them I was going to move out. They told me not to worry about the debt because I wrote down all the problems I was having. Now I'm in another city and state and can't get another place because they put me in collections anyway. I called the office about the debt and they told me management was going to call. They never did. I called back to the office and the lady named XXXX told me to do what I got ta do, we can't help you. I was also told it's not their problem. They were very rude. Under federal law your landlord refuses to make the necessary repairs to make the property liveable, you are not to pay any rent. I need the XXXXXXXX XXXX removed from my credit immediately. 
This is the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX
Product: Credit card or prepaid card

I purchased a roundtrip airline ticket for a member of my household to Study Abroad for one semester through Capital One Travel using a combination of accrued Capital One miles and an out of pocket balance charged directly to my Capital One credit card. 

However, in the midst of the airport and country of XXXX shutdown that due to Covid-19 pandemic, the flight was cancelled by the Airline. The flight, which was originally scheduled for Monday, XX/XX/XXXX ( Re-scheduled for XX/XX/20. 

A little more background - While on Spring Break in XXXX, XXXX, my partner, the passenger for whom the ticket was purchased, was informed by the school that the country of XXXX mandated that all schools close for the remainder of the semester while also learning that all flights going into XXXX were being cancelled in response to the pandemic. 

We immediately contacted Capital One Travel right away to understand the impact of what was happening and were directed to work directly with the airline to resolve the issue. 

We then contacted the airline, XXXX XXXX, explained the situation and they were very accommodating due to the circumstance and updated both the departure city from XXXX to XXXX and the departure date from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, we logged onto XXXX to check flight status and Check-In, we learned that our flight was cancelled. We had received no prior alert, either in any email or text notification of flight cancellation. We had been checking flight status almost daily to ensure that there were no changes/cancellations leaving us stranded in XXXX since the situation was changing almost daily at this point as a result of the pandemic. Upon learning of the cancellation, We immediately contacted the airline directly to understand the situation and were informed that all flights out of XXXX were grounded and that there were no alternate accommodations available. We were effectively stranded in XXXX and had to make alternate arrangements to get home. 

For these reasons, I am due a full refund to cover the cancellation by the airline, through no fault of our own, on the return flight portion of my roundtrip ticket. 

I've made multiple attempts to resolve this issue directly with Capital One. I've provided statements similar to above accounting and was repeatedly told that there was nothing that they could do. Out of frustration, I contacted XXXX XXXX directly and explained to them the situation. I was ultimately granted a full refund to the original form of payment from the airline, meaning that Capital one travel received a full refund. I've still not yet received my refund. I have in my possession a letter directly from the airline stating that the refund was processed and complete. To this day, Capital one refuses to provide a refund of the money that I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have capital one credit cards to raise my credit score, every month paid in full and I never used over 50 % of my limit, and every month they drop my score even if I pay in full. this is not a reason to drop my credit score when I pay in full every month. lowering your credit score is when you default and not pay your bills. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax did not Respond XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX