23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Hello, I received a {$500.00} American Express Gift Card. After attemping to use the card at XXXX and XXXX, the card is consistently declined. I contacted the merchant and was informed due to security protocols online there is no way to match my address to the card and therefore the card will decline at all vendors. If that is the case, then this company should no longer sell/market what is an unusuable product. XXXX now has charged the card {$0.00} even for the decline. What is the purpose of this card? Company will not issue a refund. This is a known problem based on other 's reviews.
Product: Debt collection

I had asked this company to refinance debt as I had a lower income and they advised me I must be behind on payment in order to refinance. After becoming delinquent I called and tried to refinance as I was advised. Then they stated that they didn't know who told me that but it was inaccurate. So with being said I was too far behind to catch up and was told there was nothing they can do for me. I have attempted to reach out to them in regards to settling the account for less or start re paying and I have yet to get any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Department : Remove fraudulent accounts from my credit report
Product: Mortgage

This starts back about 7 years ago. I had acquired several rental properties at XXXX time. I received XXXX loans from Chase and XXXX from XXXX XXXX. As of today I have XXXX rental and my primary residence because the rentals have either foreclosed or were taken into short sells. I have been asking Chase for the last 6 years to help me. I have sent it modification apps, I 've shown them all the information they want and every year they come back to me with a denial and say the only options I now have are ; deed in lieu, short sale, pay $ XXXX in back money and we can start fresh. If I had all that money I would have sent it in. Since they have never even offered a settlement on the back money it has grown from $ XXXX to $ XXXX over the years. I am again appealing the denial and never, ever does anyone want to help me. I have shown hardship after hardship letter. I can afford the mortgage if the back money was not hanging over my head. Every bank says they want to help you stay in your home but do n't believe them!!!!
Product: Mortgage

PAYMENT DISPUTE Specialized Loan Services " hereafter Lender '' XX/XX/XXXX : On or about XX/XX/XXXX, i made my monthly mortgage payment. Lender notified me that they did not receive the payment. I provided lender all evidence which included a money order and proof of it being cashed. While the matter was being investigated by lender, i decided to pay to avoid additional penalties. 

XX/XX/XXXX : On or about XX/XX/XXXX, i made my monthly mortgage payment. Lender notified me that they did not receive the payment. I provided lender all evidence which included a money order and proof of it being cashed. While the matter was being investigated by lender, i decided to pay to avoid additional penalties. 

XX/XX/XXXX : The lender acknowledged of error and applied both the above payments towards interest. 

My issue : I would like the lender to return both payments to me instead of applying towards my interest, as I was forced to borrow the money to avoid a foreclosure for an issue caused by the lender.
Product: Money transfer, virtual currency, or money service

Commencing on or around early XXXX XXXX, I fell victim to a multi-layered scam operations run by XXXXXXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Charles Schwab account to fraudulent investment firm.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax and XXXX beginning XX/XX/XXXX. I mailed out dispute letters XX/XX/XXXX concerning a XXXX card debt, XXXX card debt and XXXX XXXX debt. I mailed out letters via certified mail but never received a response back from either Equifax or XXXX. I called both companies earlier this month to ask about these accounts that are not mine and they told me over the phone that the accounts had been verified by the creditors. So I asked XXXX why didn't receive a returned signature receipt from my certified letter or even a response letter about the dispute? They told me that they sent the update to my email on my XXXX account. I told them I don't have a XXXX  account and I specifically requested that my response be sent via mail to my home address anyways. They still refused to send it out. I also spoke with Equifax and they said that it was verified and they don't know why the dispute response letter hadn't been sent out yet and that they would send it out in 3-5 days. So on XX/XX/XXXX I sent out another certified mail dispute to both Equifax and XXXX and stiill have not gotten a return receipt signature from either company. After 10 days of return receipt signature this should be deemed a no response from both of these bureaus. I didn't have these issues with XXXX as they complied and removed all fraudulent accounts off their report. Equifax and XXXX are not in compliance with Metro-2 as I also stated in my dispute letters. Their failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with these bureaus for the purpose of filing a complaint with the FTC should they continue in non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), they may be liable for their willful non-compliance. I have phone recordings and receipts of each certified letter sent out and I am hoping to solve this issue before I have to take further legal action.
Product: Mortgage

One month and a half ago I requested QWR from my mortgage servicer NewRez and  have only receive a letter ( 30 days later ) that they received my request. and this is it. 
I didn't get no single document.
Product: Checking or savings account

Truist Bank did not give me my new checking account promotion. 

I went into the bank with a promotion that provides {$400.00} for having XXXX direct deposits of XXXX dollars within 3 months of opening a checking account. I opened a new checking account with the bank on XX/XX/2023 at the Truist bank in XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX confirmed with me that this promotion was valid for me and he will apply it to my new account. 

I noticed after I had completed the requirements of the promotion, I did not receive any promotional funds added to my account after 3 months in XXXX. I contacted the Truist Bank XXXX and they told me that the promotion was never added to my account when I opened it. 

I then contacted XXXX XXXX and he told me that he did apply the promotion, but there was a glitch in the system that caused the promotion to not be applied. He told me he will follow up with the XXXX department. I proceeded to contact him XXXX additional times of the course of the next 2 months. The first time he said they are still reviewing the matter. The second time he said they declined it and he then told me he will follow up with them. The third time he told me that they are still investigating it after the follow up.
Product: Credit card or prepaid card

In mid XXXX, a little more than XXXX weeks before my payment was due ( and end of a promotional finance period ), I started an online balance transfer process from my XXXX XXXX Bank and XXXX XXXX XXXX  account ( they partner with XXXX XXXX ) to my account at XXXX XXXX XXXX ( they partner with Comenity Capital Bank ) in the amount of {$12000.00} ( that would have paid off my balance ). At the end of XXXX, I contacted XXXX  when I noticed that a XXXX balance transfer I did several days later ( also from XXXX XXXX but to another company ) had been processed before my one with XXXX. At that point they said that payment hadn't been received yet and I kind of forgot about it as I was going on vacation. On XX/XX/XXXX, I received a phone call from XXXX saying that payment hadn't been received. In several phone calls with XXXX XXXX and XXXX, we worked out that the first check ( that had to be mailed, XXXX doesn't accept electronic transfers from XXXX for some ungodly reason ) would be cancelled and a new one issued, and that a promise to pay was made with XXXX  for {$12000.00}. It was established that any deferred interest that accrues could be discussed once payment was received. After verifying the correct mailing address and account info, a check was supposed to be issued soon. For some reason, a check wasn't issued by XXXX until XX/XX/XXXX or XXXX. It was posted to my XXXX account on XX/XX/XXXX. After several phone calls the morning of the XX/XX/XXXX to XXXX, they are refusing to work with me on the deferred interest charges ( of about {$1200.00} ). I have XXXX late payments in my credit history and I believe I have acted in good faith. The checks I wrote for the previous XXXX payments I made to XXXX had no issue being received/processed in the approximately XXXX weeks I get between receiving my statement and payment being due. There is XXXX reason to think it should take more time for a balance transfer between XXXX financial institutions in 2022. 
As a note, I only have billing statements from XXXX. XXXX and XXXX have the recorded phone calls. I have no other paperwork to provide.
Product: Debt collection

I rented a storage unit and when I moved out they claimed that I left wood and damaged a door and that I was on video damaging the property. I asked for proof and they said they would ruin my credit and file a claim for damages for pallets and a damaged door. 

I asked them for proof of the video they claimed they have and they refused to send it I am filing a compliant with the AG 's office as they failed to provide proof that I caused the damage and left the wood.
Product: Debt collection

I have had many issues with Harris and Harris in the past. In fact, they called me nonstop from various different numbers with both KY and NY area codes for about 8 MONTHS relentlessly. Sent me tons of spam mail in that time, and texts too! I called them on many occasions letting them know I am not the insurance policy holder/person responsible for northwestern medical bills as I'm under my parents ' insurance. I have repeatedly given them the correct contact information of my father who can pay whatever bill is necessary, but they always end up coming right back to me. My dad already paid them no more than 6 months ago too, now they're saying they need {$25.00}? And they're back to spam calling me with NY and KY area coded numbers and spam mailing me. Again. I just lost my job and applied for XXXX and their harassment is the last thing I need, granted I'm not even the one responsible for the debt and I've repeatedly told them that and to stop contacting me/contact my father who can pay whatever is needed instead.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT AMSHER COLLECTION SERVICES HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license, SSN card and statements for your reference. 
For the record : 1. My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY as they are not accurate! 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove all other addresses IMMEDIATELY as they are not accurate! 
Please delete these disputed items. Ten ( 10 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

Thank you for your recent inquiry. This is not a refusal to pay, but notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form. 
Be advised that I am not requesting verification that you have my mailing address, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. 
You should also be aware that sending unsubstantiated demands for payments through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Your failure to satisfy the request within the Fair Debt Collection Practices Act requirements will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 
Thank you for your time,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Address These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/2017 The above inquiry is fraudulent please investigate and remove.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$20.00} I got scammed for a service I didnt receive the scammer refused to send my money back I reached out to cash app for a dispute and never got any assistance. At the time I just had my son in XXXX and i was out of work so I was very tight on money.
Product: Credit card or prepaid card

I have contacted Wayfairer several times regarding purchase and they have failed to explain a {$360.00} charge on my account. I was charged {$570.00} on my account for an item I purchased on XX/XX/XXXX which increased my balance from {$460.00} to {$1000.00}. The purchase was on a deferred interest promotional plan that was set to expire on XX/XX/XXXX. Since I did not pay off that item in time I was charged an additional {$130.00} in interest, which I understand. But at the same time that interest hit I was also charged an additional {$360.00} for that same item purchased on XX/XX/XXXX, and Wayfairer has not adequately or fully explained what that additional {$360.00} was for. So by XX/XX/XXXX, Wayfairer has charged me {$1000.00} for {$570.00} purchase I made on XX/XX/XXXX of XXXX. And they won't explain why. As I said, I understand the {$130.00} in interest but I urgently need I need to understand and see where I agreed to be charged and an additional {$360.00} for my XX/XX/XXXX purchase.
Product: Credit card or prepaid card

I disputed a charge from an online merchant with my credit card company ( Chase Card ServicesXXXX XXXX because the merchant had engaged in bad business practices which included misrepresenting their return policy online, shipping me a product I had cancelled because I learned about a restocking fee for returns that had not been disclosed at the time of my purchase, refusing to refund me my {$21000.00} because XXXX failed to retrieve the package in a timely manner that had been wrongfully delivered to me. I disputed this charge twice with my credit card company because they failed to find in my favor and because I had new information for them regarding my case. The second time I disputed the merchant charge with Chase Card Services was on XX/XX/22. I am concerned that the credit card dispute team is not aware of or adhering to relevant consumer protection laws that are applicable in my case. Their phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report, I have been disputing the XXXX XXXX XXXX account for over 12 months due to inaccuracies and incompleteness. While I have sent many certified letters to Equifax pointing out these errors this and previous years, I have chosen to only include the last four months of letters so as to simplify this complain process. Basically, I have pointed out to Equifax that they have refused to either correct inaccuracies and incompleteness by either not correcting or leaving blank sections of my report. They have not provide the correct Payment History, not added the Date Of Last Payment and refused to place a Notice of Dispute on this account even though I have informed them repetitively that these are all fineable FCRA violations. The failure to add a Notice of Dispute notification to my report within 30 days of being notified, for instance, is an automatic {$1000.00} penalty. In addition, I have informed them that this account was settled and discharged by XXXX XXXX earlier this year. I actually sent them the 1099C paperwork forwarded to me from XXXX XXXX  making this account a positive income that I had to report on my inome tax in 2023, nevertheless they have continued to ignore this change. I have included documented proof that Equifax has in fact ignored my repeated requests and has serious damaged my credit causing me to lose both a loan for an auto and a house mortgage. In addition to attaching the letters I sent them, I have included my latest Equifax credit report onwhich I have highlighted and circled their repeated FCRA violations.