23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I disputed a charge w/Chase Bank. It was a {$400.00} charge from XXXX XXXX XXXX and it was supposed to be refunded after my car rental was over. The charge was made on XX/XX/21. Chase sided with XXXX XXXX XXXX and claimed that XXXX already refunded my money on XX/XX/21. The problem is that there was never any such refund and, even the date they're telling me it was refunded is wrong. How could they refund me a day before the actual charge? I tried to get help from Chase for 5 hours yesterday. I am a XXXX person and I am emotionally fragile. I told them that many times. They openly ridiculed me and one employee even told me that she " can't make [ your ] eyes see ''. I am not XXXX and I could see fine. There was no refund EVER. Chase refused to reinstate my provisional credit and my bank account became overdrawn. I contacted them at least 2 dozen times for help. They refused to not charge me an overdraft fee. A manager in their Executive Offices told me that I had a choice - I could get the credit and have my account closed or I could not get the credit and keep my account. That's extortion. Then, she told me she would give me the credit, but is closing my accounts. They won't tell me why/when/how. I am no longer allowed to seek customer service with Chase. They are discriminating against a XXXX person, they took {$400.00} from me and when I asked for forgiveness on the overdraft fee, they refused.
Product: Credit card

On XX/XX/XXXX, I visited a dentist for a routine cleaning. During my visit, they pressured me into signing up for XXXX XXXX, exaggerating the condition of my teeth. Initially, I agreed and signed paperwork, but within an hour, I changed my mind and canceled the service.

Actions I Took to Cancel : At XXXXXXXX XXXX I called the dentists office and left a voicemail stating that I no longer wanted the service. 
At XXXX XXXX  I called CareCredit to prevent the charge from going through, but my first call was disconnected. 
At XXXX XXXX  I called CareCredit again and spoke with a representative who assured me that the charge would not be processed and that my balance remained at {$0.00}. 

Despite these efforts, on XX/XX/XXXX, I saw that the {$5200.00} charge went through anyway. 

Contradictory Information from CareCredit : On XX/XX/XXXX, I was told the charge would not be processed. 
On XX/XX/XXXX, a CareCredit representative told me there was a pending reversal of {$5200.00}, and I was on the phone for 31 minutes discussing it.

Later, CareCredit denied any record of these assurances.

Additionally, the dentist now claims they incurred a {$1200.00} lab fee, but I am still being charged XXXX XXXXXXXXa completely unjustified amount for a service I never received.

Follow-Up Attempts : On XX/XX/XXXX, I contacted the dentists office again and was told they would follow up, but they never did.

On the same day, I called CareCredit again, and a representative assured me that a dispute would be opened due to non-receipt of services.

When I followed up on XX/XX/XXXX, I was told the dispute was never actually processed.

My Position : I never received the service and canceled in a timely manner, yet I am still being charged. Either the dentist failed to cancel the charge, or CareCredit failed to block it as promisedor both. This is not my responsibility to resolve.

Resolution I Am Seeking : 1. Immediate removal of the {$5200.00} charge from my account.

2. A formal acknowledgment of the error from both CareCredit and the dentist.

3. If CareCredit does not resolve this, I will escalate this matter legally and file complaints with my states Attorney General and other consumer protection agencies.

I have proof of my calls, timestamps, and statements from CareCredit representatives, which I am willing to provide. CareCredit records all calls, so they should be able to pull their own records to verify my claims.

I expect a prompt resolution to this issue.

This should cover everything CFPB needs. Let me know if you need any changes!
Product: Mortgage

I got a new insurance company and they billed XXXX for my homeowners insurance on XXXX XX/XX/2023. XXXX has yet to update their records to reflect my new insurance company. Im not sure what else to do to get them to update their records, and they are about to pay my old insurance company.
Product: Debt collection

I never had kay jewelers. They threatened to take me to court for the debt. I told them I was in XXXX so I guess the used that against me. They say it dosent matter how many disputes you get you must pay
Product: Checking or savings account

I made a wire deposit and the sending bank confirmed it went through at XXXXXXXX XXXX  however PNC bank never posted the funds by XXXXXXXX XXXX They never gave me my deposited, wired funds on XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon conducting a personal credit report review, I noticed that a company named FUNDING SUITE ( Actual Company name : XXXX XXXX prior company name : COGENT ROAD )  conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage. 

FUNDING SUITE ( Actual Company name : XXXX XXXX prior company name : COGENT ROAD ) conducted unauthorized credit check for the following date : XXXX XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2700.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Sears and they agreed to remove the inquiry dated XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX  was done in error. I did not authorize Sears/Citi cards to do a hard credit pull for a credit limit increase. I have attached the letter showing my credit was not pulled due to a FRAUD ALERT on my account.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1800.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is committing fraud on an account. I reported the account to the credit bureaus, XXXX  deleted the account due to the fraudulent activity going on with the account. Capital One is now damaging my credit files ( XXXX  and XXXX ) because the company claims the account is restricted but open for payment. I've sent in the information numerous times the company asked for and the representatives continuously told me the information isn't being read correctly in the system. I need this business account removed due to the fraudulent claims made by Capital One.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act [ FCRA } to conduct reasonable reinvestigation disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau { CFPB } has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where XXXX has neither corrected or removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I secured a debt consolidation loan in XX/XX/2019 to pay off old credit card bills. One of the credit cards was Capital One Quick Silver. The statement balance was approximately {$300.00} remaining to be paid ; however, prior to the consolidation loan, I paid {$50.00} directly to Capital One. The debt consolidator printed a check for {$300.00} based on the balance on my credit report. I mailed the payment to Capital One and that generated a credit to be returned for approximately {$49.00} ( {$49.00} to be exact ). I contacted Capital One and they assured me a refund check would be mailed to me within 90 days. 

I called them in XX/XX/XXXX because I had not received the check only to realize they had an old billing address. I updated my mailing address and was told they would cancel the issued check and reissue. It would take another 15 days to receive it. XX/XX/XXXX, I still had not received the check. I verified they had the correct address and I received the same response, " We'll cancel and reissue a refund check. You'll receive it within 15 days. '' Again, XX/XX/XXXX. I received the same response. Each time I've contacted them I verified my correct mailing address. However, this time, the representative said they had the incorrect address on file. And once again, after explaining that I will be filing a complaint against Capital One, her response was, " I've canceled the check and we'll reissue it. You'll receive it within 15 days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

I have been unemployed/underemployed for a significant period of time. I have tried on more than one occasion to do a modification through Wells Fargo Bank. On the three occasions I tried to do the modification I was stonewalled, given incorrect information and my file languished for so long twice that it had gone stale. Every time I have tried to do my modification, it appears that Wells Fargo has done all it can to prevent the modification being concluded. I am making a true attempt for find a job, and have enough steady income to be able to complete another application for a modification. I am also going to go through XXXX and Florida 's Hardest Hit. They had previously assisted me when I was on unemployment, but that has ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX Balance {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX  XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXXXXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, You are in Direct Violation of the Fair Credit Reporting Act ( Discover Bank # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately you are in direct violation of several laws under The Fair Credit Reporting Act ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681 c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681 c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/year> # XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be reported in error. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX # XXXX. In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Mortgage

SLS Mortgage Servicing had the mortgage on my home. In XX/XX/year>, Shellpoint Mortgage took over my mortgage. Shellpoint stated they mailed a notification letter in XX/XX/year>, but I did not receive that letter. I made my XXXX, 2024 mortgage payment to SLS on XX/XX/year> in the amount of {$850.00}. I contacted Shellpoint by phone in XX/XX/year>, spoke to a customer service representative and explained what happened, and was assured my payment would be credited. I have filed a formal complaint with Shellpoint every moth regarding this issue. Shellpoint sent me a letter in XX/XX/year> requesting a copy of the ACH withdrawal, and I sent them a copy of my XX/XX/year> bank statement. I just made my XX/XX/year> mortgage payment and Shellpoint has still not credited my account and they are showing me delinquent. This not only reflects poorly on my payment history, but on my credit report also. I want Shellpoint Mortgage to credit my account {$850.00} paid to SLS.
Product: Mortgage

Wells Fargo charged me for monthly property inspections, hundreds of dollars in late fees, attorney fees, and reversed payments when I made double payments in a single month. 
I continually requested assistance to overcome the payment challenges I was having. Until the most recent statements from Wells Fargo, I was only allowed to participate in the modification program if I agreed to payments that were increased by almost $ XXXX/month and increased by many years. Until I complained I was not even given the chance to do that. Low and behold the payments just recently were lowered to about $ XXXX/month less than original payments and the monthly mortgage insurance premiums were lowered to $ XXXX/month, down from $ XXXX/month. This complaint is for the XX/XX/XXXX and XX/XX/XXXX time periods where my loan had reversed payments when I paid double payments in a single month. I want ALL the reversals that were done on my account reversed. I will submit the next few years in blocks of 2 years at a time due to the confusion of my double payments. I will also submit the request for relief from the XX/XX/XXXX FORECLOSURE pending from another " trustee '' that is based in Washington. My home has been in constant threat of foreclosure since XX/XX/XXXX and I have had to file bankruptcy several times to stop the sale of my home that I am living in, where I raised my children. 
PLEASE MAKE WELLS FARGO ACCOUNTABLE FOR THEIR MISTAKES AND stop kicking people out of their homes.