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

I disputed a charge made on my Citi Mastercard ending in XXXX for {$320.00} at Home Depot under dispute code 53. Per the MasterCard Dispute Resolution Guidelines, the issuer may use message reason code 53 when the cardholder contacted the issuer alleging that the goods or services received were either defective or not as described. 
When using this dispute code the Chargeback Conditions must include both of the following : Both the issuer and the acquirer are located in the United States, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and/or the U.S. Virgin Islands and Goods and services did not conform to their description. Examples include, but are not limited to : Goods and services that did not conform to their description. Examples include, but are not limited to, a 100 percent money-back guarantee, written promises, or a return policy. The Supporting Documents needed are a Cardholder email, letter, message or completed Dispute Resolution Form Cardholder Dispute Chargeback ( Form XXXX XXXX stating all of the following : The cardholder engaged in the transaction The cardholders description of the goods or services the cardholder expected to receive The cardholders description of the goods or services the cardholder actually received The cardholder returned the goods or informed the merchant the goods were available for pickup. 
The cardholder contacted the merchant to resolve the dispute and the the merchant refused to adjust the price, repair or replace the goods or other things of value, or to issue a credit. 

All of these conditions were met, and I provided CITI with a copy of the MasterCard Dispute Resolution Guide, highlighting the requirements provided, the original sales receipt, a return refusal receipt dated and provided from the merchant as well as a letter meeting all the requirements of form XXXX. 

Citi failed to provide properly submit this dispute, or resubmit upon receiving these documents on multiple occasions. Even worse CITI agents have made multiple deceptive and untrue statements in an attempt to prevent CITI from having to meet its legal requirement under the FCBPA and the MasterCard Dispute Resolution Procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i went to get a car they pulled up my credit report and i said all these fraudulent accounts and all these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX/Discover failed to explain I was receiving the IT card instead of a " XXXX Branded XXXX IT card which I thought to be unique and Discover violated FCRA in XXXX with XXXX and my account to discriminate, in XXXX
Product: Mortgage

We did a refinance of an existing mortgage and a new purchase of a second home in XX/XX/XXXX. I called customer service to verify if all the pre-paid interest and pre paid property taxes listed on their Wells Fargo closing statements are included on their form XXXX, year tax statements. I got differing answers on who I spoke with. I asked for a letter to document what their stand was. The letter received did not address my questions and was ambiguous. Request WF clarify if their closing statement pre paid interest and pre paid property taxes on reflected on the values of the XXXX forms for my XXXX mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit file Experian is reporting late payments on my account for XXXX  account no : XXXX. The below dates are dates with incorrect reported late payments, my account is on good standing however Experian and XXXX are reporting incorrectly which is affecting my ability to fair credit. This violates numerous consumer laws under the Fair Credit Reporting Act. I have repeatedly attempted to have this corrected with Experian and XXXX. I am requesting to have these the following updated to paid as agreed and have late payment removed. 


Experian is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XXXX is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Cadillac Financial has deviated from my initially agreed upon monthly payment amount. 
I agreed to pay Cadillac Financial {$690.00} per month, over a period of 3 years from the date of the leased purchase. XX/XX/year>, statement shows an increase and is now at {$71000.00}. Additional fees have been applied to the monthly statement. I am against my payments being subject to change at any given time. This conflicts with what was originally agreed upon as the monthly payment.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XXXX 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified multiple inaccuracies that require immediate correction. 

First, the XXXX XXXX Account Number XXXX charge-off is continuing to report late payments even though the debt was charged off and is no longer owed to the original creditor. According to the Fair Credit Reporting Act ( FCRA ), once an account is charged off, the original creditor should no longer report additional late payments. Reporting late payments after a charge-off is both inaccurate and misleading.

Second, I have noticed that the information being reported about this charge-off varies across the three major credit bureaus ( XXXX, Equifax, and XXXX ) XXXX Each bureau is reporting different details regarding the account status, date of charge-off, and payment history. These inconsistencies further demonstrate that the information on my credit report is inaccurate and must be corrected to ensure compliance with the FCRA.

I am requesting that you investigate this matter and take the necessary steps to correct the inaccuracies. Please update my credit file to reflect accurate information or remove the erroneous charge-off reporting entirely. I expect confirmation of your investigation and any changes made within the 30-day time frame mandated by law.
Product: Debt collection

My complaint is against XXXX And XXXX. 
They bought these debts from XXXX XXXX. 
Which XXXX bought from XXXX. 
I WON the Litigation AGAINST XXXX in XXXX XXXX, CaliforniaWith many others!!! Shame on XXXX XXXX XXXX for such " stupid '' purchase! 
NOT A REPUTABLE or RESPONSABLE OUTFIT!!, when purchasing bogus debts and outRight destroying somebodies Credit Report without even properly investigating the facts and proof FIRST!!!!! Their lid emcee should be stricken from them!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incidents of fraud, data breaches and identity theft are becoming more rampant, I therefore legally request the DELETION of INACCURATE accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX & XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX XXXX CO on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX & XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

On XX/XX/22 I received a letter from Resurgent Capital Services on behalf of LVNV Funding LLC demanding that I pay on debt that is based on fraud. I've requested proof of contract, proof of their books and accounting stating proof of lost, equal consideration, and proof of my financial obligation to pay. neither of which was provided. As of XX/XX/XXXX, more letters are being received as threats to potentially reposes my property. Violation 15 USC 1692 ( D ) It is to my knowledge that 15 USC 6802 I was supposed to be given the right to opt out of my Nonpublic personal information being sold to nonaffiliated third parties which was not done and is a violation of {$1000.00}.

15 USC 1602 ( p ) unauthorized used to which I received NO BENEFIT. and 15 USC 1692 ( G ) as collections are still being reported during disputes.
Product: Debt collection

Sorry, but none of your selections on this form to best describe my problem matched my situation, so I had to choose one that isn't applicable. 

On XX/XX/year>, I received a call from one of my contacts ( or so I thought ), prompting me to answer. I soon realized the caller was using a cloned number. ( The number is saved in my phone contacts ; it is not someone who appears in any of my social media accounts nor is she an email contact. ) The person on the phone identified herself as being from " CBE, '' and when I asked what that was, she said, " It doesn't stand for anything ; it's just the name of our company. '' She told me the call was of a personal nature and prompted me several times to confirm my identity. When I looked up " CBE, '' I discovered it is a debt collection agency.
Product: Consumer Loan

Approx XX/XX/XXXX my husband took out a revolving line of credit with XXXX. Due to the XXXX plant closing in Oklahoma XXXX we were bot laid off. We were both contract employees i could never find a comparible job. My husband was forced to work out of state with the same company. as a result we defaulted on many loans/credit cards XXXX being one of them. We never received of collection call or anything till we were served papers in XX/XX/XXXX a default judgement from Asset Acceptance. 

for 3 1/2 years no collection call letters nothing was ever received from these people until my husband was notified by his company of a post judgement earnings from attorneys for asset acceptance on XX/XX/XXXX. Now his wadges are being garnished. He has called the attorneys office for asset accep. to date not one phone call has ever been returned. 

PLEASE NOTE : MY HUSBANDS WORKS FOR A COMPANY THAT DOES NOT HAVE ANY OFFICE WITHIN THE STATE OF XXXX! *****HE WORKS AND LIVES IN THE STATE OF XXXX*** THE ATTORNEYS FOR ASSET ACCEPTANCE " DO NOT HAVE A LICENSE TO PRACTICE IN THE STATE OF TEXAS ''!!!!! HOW IS THIS EVEN POSSIBLE!!!
Product: Mortgage

RoundPoint Mortgage Servicer gauged the amount of payoff. But beside that ... I was told that after my payoff, I was to expect verifying paper work in the mail with in 30 day 's. Readmitted I would call for updates. I was told that the " XXXX '', " XXXX XXXX '', was signing off and RoundPoint would file the document at the Court house. Than, as soon as all was done, RoundPoint would forward a letter providing me with a letter. 

Over a 10 year spread of talking to always new people, I've learned that only a few know what is gaining on but the phone service reps across the bar, are left in the dark. My favorite question ... '' how long have your worked for the company,? '' I receive the usual standard answer " I been here 2 years! '' ( What a joke! ) Recently I was told that I owed a lot of money and what to expect? The representative who had a little chip on his shoulder was from XXXX XXXX  not XXXX! I asked him when I made the last payment. He got silent and apologized when he realized the account was paid off. 
Pay off date was XXXX of XX/XX/XXXX. I still have nothing confirming that RoundPoint has removed the lean!!!! 

Last Friday, XX/XX/XXXX, and after a phone call to RoundPoint, I learn that RoundPoint forwarded a letter on the XXXX, of XXXX to an address that is not active anymore. Needless to say that I have, as of today, NOT received this letter. ( this company just doesn't stay one top of staying in touch with their customers ). 

Reminder : In the early 2000 's the US Government Ruled that US Post office addresses be replaced by 911 Addresses. In my neck of the woods this took place for about 2 years. So in the mid 2000 's my address changed but the contract address, a U.S. Rout address would not be replaced. This became the first problem when RoundPoint forwarded a Settlement offer in XX/XX/XXXX that I never received. Yes I never received it!!! 

So fast forward XX/XX/XXXX, and after RoundPoint was informed through CFPB, Federal Court by Attorney in fact, and uncountable change of addresses in their system, THEY DID IT AGAIN!!! 
I find this behavior unprofessional, incompetent and the heights form of procrastination. This is not a professional Company this is a company that rides a thin line between right and wrong! Never sever enough to be criminal, but since they dont have to obit by the same Laws as a Bank, they continue to cause even bigger hard ships to the already troubled home owner!!! 
Their behavior has cost me personally an instant amount of money!!! All because RoundPoint strives of Confusion and provide the Home owner with just enough information to get them of the phone! 

Companys like this get rich on the back of hart working home owners. 

Solution : I suggest like attorneys send one copy to the home address including the old and new and a second to the P.O. box address. 

Over all the years I have dealt with RoundPoint representatives ... once they get you of the phone they say anything to get you off the phone! 

as the good book teaches ... 
Luke 6:31 English Standard Version ( ESV ) 31 And as you wish that others would do to you, do so to them.
Product: Credit card or prepaid card

My wife ordered a dress from XXXX XXXX ( XXXX ) in XX/XX/XXXX for {$2800.00}. When the shipment arrived at our home it was not the dress we ordered. We requested a return authorization from XXXX which was granted, and the incorrect dress was returned to them. When received, the XXXX receiving department determined the dress was not the dress which was ordered and sent it back to us again. We contacted XXXX numerous times but they would not accept the dress they shipped in error back for credit because it was not the dress ordered and billed. Thus, we were being forced to accept merchandise which we did not order nor want. 
We filed a dispute with Citibank, the credit card issuer in late XX/XX/XXXX. Citi sent us an undated letter, to a XXXX, FL ( not Illinois where we live ) address which is attached as Reference ( Ref ) A. This letter stated Citi had received a response from XXXX, and gave us until XXXX XXXX to address XXXXs response. Since the undated letter was sent to the wrong address, we never received it and didnt see it until we received it later electronically. Most importantly, however, we never saw, AND TO THIS DATE STLL HAVENT SEEN the NM response. We have made in numerable telephone calls and written communication with Citi attempting to resolve this issue, to no avail. We finally wrote a letter to the Citi XXXX XXXX XX/XX/XXXX. Citis response-attached as XXXX XXXX  simply states they cant help, with no explanation as to why. And Citi still hasnt provided us with the XXXX  response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase card services pulled my XXXX  credit file without my explicit consent on XX/XX/2018. I did not apply, or consent to this credit inquiry. It is causing detriment to my credit file. I am actually in the process of another loan, and this unauthorized inquiry may cost me an approval. Again, they have no business pulling my credit file, I did not consent.
Product: Checking or savings account

Subject : Urgent Complaint Regarding Deceitful Handling of My Chase Bank Account Dear Customer Service, I am writing to express my extreme disappointment and frustration with the recent treatment I have received from Chase Bank regarding my checking account. After being a loyal customer for over 8 years, I was shocked to receive an email XXXX day notifying me that my account has been restricted, leaving me unable to access my own money. 

Upon contacting Chase Bank, I was told that it was an " upper management decision '' and that they were unable to provide me with any specific reasons due to confidentiality. This lack of transparency and accountability is unacceptable, especially considering the significant impact it has had on my financial wellbeing. 

For over a month now, my hard-earned money has been held XXXX in my account, with no communication or updates provided to me regarding the status of the restriction. This has caused me undue stress and inconvenience, as I rely on these funds for my everyday expenses and bills. 

I urge Chase Bank to promptly investigate this matter and provide me with a clear explanation for why my account was restricted. I expect a resolution to be reached swiftly, along with appropriate compensation for the hardships I have endured as a result of this unjust action.
Product: Credit card or prepaid card

There a Home Depot card in my name and made me an user on the account without me knowing
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of the Fair Credit Reporting Act, Upgrade Inc., has failed to accurately report my credit balance since XX/XX/2022. This is not the first occurrence of late or inaccurate credit reporting on my 3 bureau credit reports by Upgrade Inc. These consistent errors on the part of Upgrade Inc. have negatively impacted my credit score which is detrimental to my financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account REGIONS BK XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that REGIONS BK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has and currently is still being marked past due with many late payments being reported when my account is paid on time and needs to be updated. By law, a creditor shall not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my balance in full with Citi as well as multiple other creditors. Current utilization is 15 %. I used the card for large purchases since were building our home and utilizing that credit to assist us. I paid that balance again down to XXXX. I received notice shortly after that ( XX/XX/XXXX ) that my limit was being decreased from {$9500.00} to {$600.00} which is almost a 95 % decrease due to substantial debt owed to other creditors. Ive contacted them multiple times and even submitted documentation to support the correct balances being XXXX  and having low utilization. Ive submitted current credit report information showing the correct balances as well. Ive submitted screenshots of bank accounts to show over $ XXXX in savings to support my higher limit. Citi refuses to work with me and return the limit to where it was. This could have a severe impact on our home build.
Product: Mortgage

Ditech, has changed the maturity date of my mortgage to XX/XX/XXXX which is a 52 year mortgage. I, XXXX XXXX in XX/XX/XXXX signed a 30 year mortgage so Ditech illegally changed the maturity date without my consent. As a result, incorrect payment amounts have been applied my principal balance each month.