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

On XX/XX/2022 I purchased picture hooks from HSN which made claims that the hooks were reusable and that the smaller hooks held a total weight of 11 lbs while the larger hooks held a total weight of 18 lbs.I recently went to hang a picture in my family room which when weighted was 36 lbs. So I used 3 of the larger hooks which the combined total weight was suppose to be 54 lbs to hang the picture. Well approximately 1 hour later, I heard a loud crash my picture had fallen off of the wall damaging the frame and the glass. I called and spoke with HSN on XX/XX/2022 to reference the false advertising for the hooks and my damaged artwork. I requested for them to have my artwork repaired, they in turn offered only {$25.00} dollars for compensation. I stated to them that the offer was unexceptable. I requested from their their corporate staff that they need to have the artwork repaired at their expense. 

Please see collaborating documentation Your assistance would be greatly appreciated Your truly XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX - Acct. # - XXXX and XXXX XXXX XXXX  Acct. # - XXXX - Are Reporting Late Payments with the credit bureaus and 15 U.S. Code 1666b is a law that governs the timing of payments for open-end consumer credit plans. It requires creditors to send statements to consumers and to ensure that payments are not late. 
Requirements Statements Creditors must send a statement to consumers at the end of each billing cycle. The statement must include the outstanding balance and the amount and date of any extensions. 
Delivery Creditors must mail or deliver the statement at least 21 days before the payment due date. 
Late payments Creditors can not treat a payment as late unless they have taken reasonable steps to ensure the statement was delivered on time. 
Excusable causes If a creditor is unable to deliver the statement on time due to an excusable cause, such as a natural disaster or war, then the late payment rule does not apply.
Product: Credit card

ON XX/XX/year> I TOOK XXXX XXXX  FROM LOCATION TO ANOTHER AND THE APPLICATION INFORMED ME THAT I WAS GOING TO BE CHARGED AROUND {$57.00}. WHEN I REACHED MY DESTINATION XXXX APP SAID I WAS GETTING CHARGED {$72.00} OF WHICH WAS MUCH MORE WHAT I WAS TOLD. I WAITED TO GET THE RECEIPT VIA EMAIL TO CONTACT XXXX. I WAS NOT ABLE TO REACH A LIVE PERSON. I TIRED REACHING SOMEONE VIA THE CHAT APP WITH NO SUCCESS. I WAITED FOR THE CHARGE TO POST ON MY ACCOUNT IN ORDER TO DISPUTE THE CHARGE. TODAY I TIRED DISPUTING THE CHARGE BUT ACCOUNT SUPERVISOR XXXX REFUSED TO DISPUTE THE CHARGE BEING I DID NOT HAVE ANY PROOF THAT I WAS TO BE CHARGED AROUND {$57.00} BUT GOT CHARGED {$72.00}. XXXX DOES NOT PROVIDE US WITH A RECEIPT OR PROOF OF WHAT THE CHARGE FOR THE RIDE IS UNTIL THE RIDE IS COMPLETE. CAPITAL ONE IS VIOLATING THE TERMS AND CONDITIONS OF OUR AGREEMENT OR CONTRACT BY FAILING TO DISPUTE A PURCHASE THAT WAS OVERCHARGED BY THE MERCHANT SUCH AS XXXX. CAPITAL ONE IS WRONG IN NOT DISPUTING THIS CHARGE AND IF THEY DON'T I WILL NOT TAKE THIS SITTING DOWN. I AM TIRED OF CAPITAL FAILING TO PROTECT ME WHEN THEY ARE SUPPOSED TO. I WOULD LIKE THE CHARGE OF {$72.00} DISPUTED. THANK YOU.
Product: Credit card or prepaid card

I was approved for a XXXX  card with a {$150.00} annual fee. I didnt have a problem with the {$150.00} fee but I activated the card on XX/XX/2022 on XX/XX/2022 {$150.00} fee was added to the card. I checked to see how much I could credit to my card and I wasnt even allowed {$2000.00}. This card is fraudulent to me. I have preset credit limit cards with higher credit limits than that. There is no point to this Spark Business card. Its fraud. I closed the account immediately and I am still being charged {$150.00} annual fee for no reason. I had the card for one day and Capital One wants me to just give them {$150.00}. This is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent inquiries on my credit report, which I firmly believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ), a federal law designed to ensure the accuracy and fairness of credit reporting. Upon reviewing my credit report, I have identified several unauthorized inquiries that I did not authorize or consent to. 
The FCRA, under Section 604, grants consumers the right to receive disclosure of information in their credit files upon request. As such, I am formally requesting a complete and accurate disclosure of all the information in my credit file, including the nature and details of the fraudulent inquiries, as required by Section 609 ( a ) of the FCRA.

Furthermore, Section 611 of the FCRA allows consumers to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and requesting a thorough investigation into the fraudulent inquiries in question.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand that you promptly conduct a diligent investigation into the legitimacy of these inquiries. This investigation should include verification of the authorization obtained from me or any other appropriate documentation proving the legitimacy of these inquiries.

In accordance with Section 611 ( a ) ( 1 ) ( B ), I request that, upon verification of these inquiries ' fraudulent nature, you remove them from my credit report immediately. Additionally, I expect you to notify all three major credit bureaus, namely Equifax, XXXX, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. 
I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ).

Please be advised that any failure to comply with the FCRA 's provisions

may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.

I have enclosed a copy of my credit report with the suspicious inquiries highlighted for your reference. If any additional information or documents are required to facilitate the investigation, please inform me promptly.

I trust that you will handle this dispute with the utmost seriousness and in strict adherence to the provisions of the FCRA. I expect a comprehensive investigation and a swift resolution to correct my credit report accurately.
Product: Credit card or prepaid card

A couple of months ago I went in to pay my bills I saw a credit card that was not mine. It had a XXXX balance, but it even had a payment history! 

I called Wells Fargo which is the bank I do business with and they said this was a mistake, but that there had been a cash advance and it has been paid back. 

I dont know if this cash advance was taken from my funds. 

Anyway, Wells Fargo sent me XXXX letters issued on the same day. XXXX said that the outcome of their investigation concluded that I had been responsible for opening that account. ( What? ) And the XXXX  letter what is a personal identity fraud kit.
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX  reporting on my credit report I have been disputing this account since XX/XX/XXXX which first appeared on my credit report as a STUDENT loan with FIRSTMARK. After disputing XXXX changed the information to XXXXXXXX XXXX which is a collection agency. 

I never signed any contract or applied for any loan with XXXXXXXX XXXX 

Since then they have change and reage the account for example : Reporting inaccurately reporting a closed account with XXXX with a date of deliquency of XX/XX/XXXX The showing and reporting date opened as XX/XX/XXXX QUESTION ; How can a deliquency occured before the account was opened? 

they reage and changed the date to allow the account on my report for 10 years The collection amount was changed XXXX times I never did business with XXXX Reageing an account is a violation of the FCRA I NEVER HAVE ANY ACCOUNT WITH XXXX DATE OF DELIQUENCY : XX/XX/XXXX DATE OPENED : XX/XX/XXXX look at the dates : account deliquent before it was opened???????? 

After pointing out these inaccuracies and reageing of this account with XXXX and XXXX the immediately removed it from my credit file. 
XXXX keep changing the account everytime we point out inaccuracies.
Product: Checking or savings account

{$1200.00} transferred out of my account with out my permission. I'm out {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Transunion to ask for the inquiries to be removed from my credit report and was told I have to file a dispute. I was also told that they can not remove credit inquiries. I have already submitted 2 different dispute letters due to noticing inquiries that had once been removed and are now showing on my most recent report again and nothing has been done. Here are the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX DOB : XX/XX/XXXX ( This Is Not A Duplicate ) To : Transunion This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit cards and others XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened in XXXX, XXXXXXXX XXXX XXXX XXXX, opened XXXX XXXX XXXX XXXX XXXX XXXX opened in XXXX, XXXX XXXX opened in XXXXXXXX XXXX XXXX XXXX opened in XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. A copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

I have attached a copy of my Drivers License, a copy of my Social Security Card, a copy of Proof Of Residence and a copy of the FTC Report ....

Please make sure neither company ( lie by stalling ) saying that they need proof of identity because I am sending proof of identity with this report.
Product: Mortgage

1. My mortgage paid out two Homeowners policies on the same day. They stated Nationwide did not meet coverage and denied the policy but then paid Nationwide the same day as XXXX ( policy coverage accepted them ) OUT OF MY ESCROW ACCOUNT. 

2. Nationwide stated they sent MY MORTGAGE COMPANY a reimbursement check last week. Why isnt it posted to my account? {$1000.00} 3. My coverage with XXXX was effective 7/22. Why was I only reimburse partially for THE FIRE COVERAGE MY MORTGAGE COMPANY ACQUIRED?

4. April 2021 WAS NOT A LATE PAYMENT. MY MORTGAGE COMPANY applied it IMPROPERLY. WhenTHEY FINALLY corrected it, they stated they could not change the date they post it in the computer but they would NOT report to the credit bureaus due to THEIR ERROR. Its all noted on my account and I have copies. I have disputed this with my credit report several times and they keep denying the correction.

5. THEY have the balance on my account on my credit report as 25k, when in fact its 17K. I have disputed this with my credit report several times and they keep denying the correction.

6. All late payments this year was due to YOUR COMPANY WORKING WITH XXXX XXXX XXXXXXXX XXXX XXXX, which has paid them over XXXX XXXX. I have a SEVERAL letters from you all stating the follow : If your correspondence is related to a payment application please be advised that XXXX will suspend adverse reporting on your loan for 60 days from the date of receipt. 
AGAIN, I have disputed this with my credit report several times and you all keep denying the correction. 

7. Why is my account being charged a $ 20 monthly fee when XXXX is paying my current payments? What is the {$20.00} charge for? My mortgage company states inspection. Why are they inspecting my property monthly. 

I have tried with XXXX for ANY DECENT CUSTOMER SERVICE. THEY HAVE EFFECTED MY LIFE AND CREDIT TO THE POINT OF A LAWSUIT NEEDED. 

I Made MANY credit bureau disputes and even called them all MANY TIMES to discuss. Per phone calls, they are correcting it. Per disputes thru XXXX and XXXX, they deny the dispute. 

I would appreciate answers and properly handling of my account. ** PLEASE NOTE THERE IS A CURRENT CLASS ACTION LAWSUIT AGAINST XXXX FOR SENDING IMPROPER DEFAULT/ACCELERATION/FORECLOSURE STATEMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO knowledge of this account. XXXX. Disputed once, and Experian will not remove it. Has been on my report for over a decade. 

XXXX  Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$76.00}, XXXX written off. {$33.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$96000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$31000.00} Highest balance {$0.00} Terms 300 Months On record until XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX ( Pinnacle Credit Services LLC ) Sent me a letter dated XXXX/XXXX/2016 Stating " The law limits how long you can be sued on a debt. Because of the age of your debt, Pinnacle Credit Services LLC, will not sue you for it, and Pinnacle Credit Services LLC will not report it to any credit reporting agency. However this alleged debt is still being reported on my credit report
Product: Student loan

I applied for the Public Service Loan Forgiveness Program Temporary Waiver in XX/XX/XXXX. My employment was verified and my loans were transferred to FedLoanServicing. My Direct Consolidation loan was issued in XX/XX/XXXX, and was transferred at least once prior to this last transfer. When FedLoanServicing calculated the qualifying payment for the program they excluded 19 payments from consideration, neither marking them as qualified or not, leaving me 11 qualifying payments short of the 120 required payments on the Subsidized portion of the loan. They also deemed over 100 payments as not qualifying on the unsubsidized portion of the loan, for what appears to be a deviation from the temporary waiver rules as all payments should be qualifying ( the deemed 30 out of 129 payments as qualifying ). It appears there were multiple errors made in assessing the number of qualifying payments I made between XXXX and today, possibly because of the multiple times my loans have been transferred. I request someone review the records and help fix my file
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc violation with XXXX XXXX and XXXX XXXX ftc violation
Product: Credit card or prepaid card

I was having trouble accessing my USBank credit card account online. I went to their website and called the number listed for XXXX XXXX. After waiting on hold I was transferred to a gentlemens with a very thick XXXX XXXX accent. I shared with him my problem and he said he would need to verify my identity with my name, adddress, DOB etc. he then put me through a recorded message that he kept interjecting into to confirm the same information. He then stated he could not verify my identity and asked me for another credit card to confirm my identity. I was confused but keep in mind I called US Bank. I gave him another credit card number with another bank ( XXXX ) and I got a text from the other back asking if a {$1.00} charge was legitimate, he directed me to say yes. He then provided me a confirmation number and directed me to call XXXX immediately and provide the confirmation number given. When I hung up something felt off and I didnt call the other number. I subsequently called US Bank later at the number on the back of my credit card and they had no record of that prior conversation and have opened a fraud case on that card. I have locked the credit card account with the other bank but am now concerned about identity theft.
Product: Credit card or prepaid card

Bad faith : I am calling Bank Of America into action. On XX/XX/2020, account supervisor named XXXX from XXXX Arizona call center misled me into paying for my current statement balance in order for me to receive the full amount of my charge back that was crediting back to my account for a total sum of {$10000.00}. 

Instead, by complying to XXXX XXXX instructions to pay off my statement balance over the phone, the exact opposite of what I wanted to happened occurred, the charge back was deducted off of my current balance as soon as it was posted on XX/XX/2020. 

On the basis that the supervisor was fully aware of their policies/terms and condition, it was in bad faith at the cardholders expense when XXXX the supervisor instructed me to pay for my current statement balance in order for me to maintain the full {$10000.00} to be transferred out of my credit cards account uninterrupted via check. 

One would expect that when dealing with a supervisor/manager and not through a typical account associate would be much more assuring that things will be handled more correctly. That couldn't be further from the truth. 

XXXX the account supervisor made sure I was aware that he is the supervisor, he knows how these credit card charge-backs work ( differently from a bank account ) and he specified there was absolutely no other choice but to pay my entire current statement balance if I want to not have the {$10000.00} deducted off of my current running balance. 

Not only that, I had to go through all the formality by disclosing my routing number and checking account number so the wiring of my charge back can be transferred to my bank account. 

We as cardholders, expect management to be more experienced than customer care associates and not to make colossal mistakes such as this. They should know what they are doing and what needs to be done during situations like these. 

When BOA is clearly in the wrong, they do not rectify or compensate their cardholders. Account managers should be held at a higher standard, can not be reckless, unreliable and there would be no blow back or consequences. Yet, there are plethora of fines and penalties when cardholders dont meet their guidelines. BOA can not possibly expect the cardholder to know enough to disprove a supervisor/managers decision or method. 

I am not OK when there are no consequences, when someone in upper management handles my account thats involving a {$10000.00} mess up and identifies it as a non-issue at my expense ; this is where monetary compensation needs to be granted. 

In this particular case, BOA werent looking out for the people that use their credit card services. Therefore, I am seeking compensatory damages in which BOA needs to be held accountable for their employees negligence and for falsifying information.
Product: Credit card or prepaid card

The are holding {$450.00} of mine and wont release it
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX  Balance {$37000.00}, XXXX XXXX XXXX XXXX XXXX Balance {$3500.00}, Dept of EdXXXX Balance {$5500.00}, Dept of Ed/XXXX Balance {$3700.00}, Dept of EdXXXX Balance {$2600.00}, Dept of Ed/XXXX Balance {$1700.00}, Dept of Ed/XXXX Balance {$1700.00}, Dept of Ed/XXXX Balance {$1600.00}, Dept of Ed/XXXX Balance {$2100.00}, Dept of Ed/XXXX Balance {$2000.00}, XXXX XXXX XXXX Balance {$800.00}
Product: Credit reporting or other personal consumer reports

i am not responsible for the XXXX XXXX  and i did not sign a contract with XXXXXXXX XXXX XXXX and they not not provite me with the paper work of a contract as requested.
Product: Payday loan, title loan, personal loan, or advance loan

It is multiple loans that have been taken out using my SSN but with my ex husbands XXXX XXXX XXXX place of employment, a bank account not associated with me and both either him and his girlfriend address or his mother address which is in a completely different city and state than I. I have been trying to get these loans removed from my credit report for over a year as it is multiple and more keeps being added which has caused me to lock my SSN. Freeze my credit reports and Ive filed a police report as well as FTC on identitytheft.gov. He keeps getting away with this and I keep getting penalized with debt on top of debt that I do not owe nor is rightfully mine.
Product: Credit reporting

I requested a credit card from XXXX on XXXX XXXX 2016. TransUnion, credit reporting agency deducted XXXX points from my credit score. I called TransUnion but the Supervisor would not give me any information why - XXXX points were deducted instead normal XXXX to XXXX points for hard inquiry. I filed a dispute to TransUnion on XXXX XXXX 2016 but I have not received a response.
Product: Checking or savings account

I received a promotion from Citibank last XXXX. If you opened a new savings account and maintained a certain balance for 60 consecutive days, the bank would pay {$100.00} to your new account within 90 days of fulfilling all the obligations. I opened the account in XX/XX/2021, and the 60 days were up on XX/XX/2021. I waited the full 90 days, but never received the {$100.00}. I contacted the bank on XX/XX/XXXX to find out what happened. The bank acknowledged that I fulfilled all the obligations but told me that the {$100.00} bonus would not be paid until XX/XX/XXXX. I told them that date is beyond the 90 days, as XX/XX/XXXX would be 120 days. They said " we can do nothing about it. '' This is a perfect example of bait and switch. They lured me with the promotion but are violating their own rules about paying the bonus. Banks must not be allowed to get away with such fraud. In this case, I would like the bank to pay me my {$100.00} promotion immediately. In addition, the bank should be assessed a {$100.00} penalty fee payable to me for their duplicity and the XXXX  and XXXX I have endured.