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

I had applied for a XXXX credit card with Chase and was approved initially. After waiting for almost a month for the card to arrive, they told me my card was closed before I could even receive and activate it. They didnt really disclose their reason as to why they first approved it then closed it due to some internal reasons. I have an excellent credit score and this type of treatment only loses more customers that chase has. I feel like they should be happy to acquire my business and not the other way around. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT WAS APPLIED FOR IN MY NAME WITHOUT MY AUTHORIZATION
Product: Credit reporting or other personal consumer reports

I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.
Product: Credit card

When the first payment for this credit card drafted, instead of drafting the minimum payment, Citi drafted the full balance. When the payment was reversed, I called in and had it confirmed that I would still be receiving the 0 % promotional interest rate. However, I just now realized that, for months, Citi has been charging full interest on the entirety of my balance.
Product: Credit card

On XXXX XXXX XXXX XXXX was reviewing my monthly bill from Home Depot and noticed transactions I did not make or authorized. I had a card in my possession. According to Home Depot investigation the orders were placed online and picked at the store. So far, Home Depot did not provide any information of what the location of the store or any receipts of these unauthorized purchases. At that time my balance on the card was close to max of {$5000.00} so this XXXX was put over my credit limit without any authorization also. Home Depot released goods without any ID verification as I never lost my California DL. I consider that Home Depot Citi/Card failed to protect my rights as a consumer since they are refusing to remove dept from my balance and increased credit debt over the allowed limit without any request. I did what I could to protect myself by filing the police report, fraud report with FTC, and requesting to conduct two separate investigations by Citi Bank. Last investigation was completed by Security Operations on XXXX with the same outcome. Right now, the interest and fees are piling up on my account. Please help to resolve the issue as it is hard to fight against such big company like Home Depot/Citi Card .
Product: Debt collection

Greetings, this is a debt of {$440.00} for which XXXX indicates that it did not receive payment while XXXX of XXXX XXXX indicates that it was withdrawn and appears debited on the account statement. This was for XX/XX/year>. My husband and I are emotionally ill due to this situation. I attach documents from the bank and XXXX of the complaint brought to this Office. We implore you to please resolve this situation. Thank you.
Product: Checking or savings account

My XXXX refund deposited into my Credit Karma account XX/XX/year>. However I am unable to access my funds through instant transfer and I can not access my virtual card. I have contacted Credit Karma via chat and phone. Credit Karma states because I updated my Phone number that is the reason I am experiencing issues. I updated my phone number XX/XX/year>. It is XX/XX/year>, I was advised I would have normal functionality of my account to access my funds today! I contacted Credit Karma and they are still unable to provide any information, resolution or work around. Last interaction I encountered a supervisor actually hung up in my face.
Product: Money transfer, virtual currency, or money service

Sold bitcoin, XXXX XXXX, {$1300.00} USD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complete and withdrew funds {$100.00} USD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complete is what shows on the Coinbase website in my account information then I received the following emails : Unfortunately we could not process your sell of XXXX XXXX onXX/XX/XXXX because the name associated with your bank account did not match your Coinbase account. and Unfortunately we could not process your withdrawal of {$0.00} USD on XX/XX/XXXX because the name associated with your bank account did not match your Coinbase account. i have been using the same bank account on Coinbase since XX/XX/XXXXsuccessfully. now my account shows {$0.00} Total balance. No money has been transferred to my bank account and no bitcoins or money remains in my Coinbase account. I have information showing the transactions have been completed and emails saying they were n't completed. i have no idea where my money or bitcoins are and I can not receive an answer from Coinbase even after submitting numerous support requests. As a XXXX year old retiree living on social security this money is very important to me. Please help me.
Product: Bank account or service

HSBC refuses to confirm the date my account was opened. Per their terms, there is no early closure fee to close the account after 180 days. I opened my account ( opening deposit processed ) on XX/XX/XXXX. I should be able to close the account on XX/XX/XXXX with no fee, yet I am being told I can not close it without a fee until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I purchased and financed my car with JP Morgan Chase in XXXX. I missed several payments and Chase placed the account in a negative status. I recently paid off the remaining balance. Chase updated this account to the credit reporting agencies. I later contacted JP Morgan Chase and informed them that the Statute of Limitations had expired and requested that they delete this account from all credit reporting agencies. XXXX deleted this account but XXXX and XXXX did not. In fact, XXXX told me to contact CFPB to resolve this issue in a speedy manner, since I need to resolve this matter. I would appreciate your efforts and actions on my behalf. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have accidentally sent money to the wrong person via Zelle and prior to sending it there was no warning to make sure if it was the right person. So it was sent and I had contacted my bank who said they dont own Zelle and that it was basically a lost cause.
Product: Debt collection

I DO NOT OWE THIS DEBT : I would like to file a complaint against CREDENCE RESOURCE MANAGE. I received a notification through XXXX on XX/XX/XXXX that CREDENCE RESOURCE MANAGE has placed a collection on my credit report. I immediately contacted XXXX and informed them that I had no CREDENCE RESOURCE MANAGE or on which company 's behalf were they trying to collect a debt. I haven't received any notices from CREDENCE RESOURCE MANAGE this was the first time that I heard of them. XXXX informed me that the original debt collector was XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX any money. I purchased a phone from XXXX back in XX/XX/XXXX at XXXX. XXXX is an authorized dealer for XXXX XXXX XXXX. I returned to the store within 8 days to return the device because it was glitching, and I requested a new device. XXXX requested that I let their technical support team look at the device and I declined I wanted a brand new device because it was clear that the device that I purchased was having some issues. XXXX stated that they did not have the same device in the color that I purchased. At that point, I requested to return the device which I did. In XX/XX/XXXX I received a final bill from XXXX XXXX XXXX for XXXX which I called in and disputed because I returned the device XXXX  days after I received it because the device was defective and XXXX XXXX XXXX credited the {$160.00} charge. 

Around 6 months later I received a charge from. XXXX XXXX XXXX for XXXX I contacted XXXX XXXX XXXX immediately and I informed the customer service representative that the amount was inaccurate. I did not owe XXXX XXXX XXXX any money, I was told that the charge was from an equipment charge. I informed XXXX XXXX XXXX that I returned the device to XXXX. I requested to speak with a Supervisor and I was transferred to XXXX. The Supervisor was able to trace the device and she stated that she saw no usage on the device. The Supervisor stated that if I had the device or if someone else had the device there would be some sort of usage, The supervisor stated that she did not believe that I had the device in my possession and she informed me that she was going to credit the account the XXXX and XXXX out the account. This occurred over a year ago. I called in later that month to verify that the charges were cleared of my account and I was told that my account had a XXXX balance. Now over a year later, the charges are back. I just notified XXXX XXXX XXXX to correct their error. I am requesting that CREDENCE RESOURCE MANAGE remove all derogatory remarks from my credit report. I CREDENCE RESOURCE MANAGE will not remove the derogatory remark I will take legal action. This is a notice of dispute and a request for all documents about my account because I have not received any documentation from CREDENCE RESOURCE MANAGE.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent in a dispute letter/debt validation letter to Cascade Capital Funding , LLC to validate this debt. I asked for documents/contracts bearing my signature, and dates of services. In correspondence, they corresponded with a letter including my medical records, directly violating HIPPA.
Product: Mortgage

Tree Green Tree Services were added to my Chapter XXXX bankruptcy case XXXX in 2009. My bankruptcy is discharged and paid in full and now they are coming after me with more debt tacked on. I paid them as agree in the bankruptcy, and they refuse to send me my deed. They have sent people to my home and threatened to remove me from my home and sent paperwork to the sheriff 's department trying to issue foreclosure, and when the sheriff 's department come to serve the paperwork, I show them the bankruptcy papers, they refuse to leave me alone. They sold the loan to Ditech and they are using the same procedures to try to foreclose and keep harassment going.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have a 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 these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit card or prepaid card

I open this account approximately a year ago I was told when I opened it that my credit would be evaluated every six months and if I was worthy of a lower interest it would be lowered by Chase. After six months I contacted Chase to ask if my account was evaluated for a lower APR and I was told by a representative that because the Fed had raised the rates several times in the recent past they have not evaluated my account. I called Chase today ( XX/XX/18 ) and spoke with a supervisor and I asked him if my account has been evaluated since it is now been a year and it supposed to be evaluated every six months. I also asked him for which date it was evaluated and what decisions were made about my account. The supervisor named XXXX could provide no date that my account was reviewed nor could he give me any answers about why my rate is staying the same and not going down. I recently read an article From a case your agency just settled with XXXX XXXX and I believe that Chase is also violating the truth in lending act by failing to reevaluate and lower APRs therefore causing the consumer to pay higher rates. I would like someone to look into this please. I understand that a reevaluation of my account does not mean I automatically get a lower APR however my credit score ( high 700s low 800s depending on which credit bureau is viewed ) has went up considerably since I open this card and I have payed down debt. It would seem to me that I am worthy of a lower rate and Chase should have lowered it already on their own as they state they reevaluate account every six months but can not prove this. Essentially the supervisor told me that I just have to trust that he is telling me the account has reviewed every six months but he could not provide me with any dates or decisions made about my account based on the supposed evaluations. The lowest rate on this card when I spoke to the supervisor today is 17.49 % and the high is 29.74 %. I am currently at a 24.74 % rate.
Product: Credit card

I have a Bank of America Mastercard. Today, XX/XX/2023 our card was declined during a purchase for the 3rd time due to " fraud protection ''. The purchase was for approximately {$22.00} and, again, our card was declined due to potential fraudulent activity. We live in XXXX and shop for groceries across the XXXX XXXX XXXX XXXX. We routinely shop at this store. Today I answered the call immediately and authorized the charge. Over half an hour later Bank Of America had not yet reactivated our card. I just spent over 45 minutes with customer service who could not transfer me to a manager. They can not explain why this is happening. We can not buy our groceries if our card is declined. We are humiliated when the card is declined for no reason. I want to see my contract so that I can take appropriate legal action and they will not send it to me.
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$17000.00} ]. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. 
The debt is not mine. 
The debt was incurred due to fraud or identity theft. 

I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. 
The name of the original creditor. 
An explanation of how to obtain verification of the debt. 
A statement that I have the right to dispute the debt in writing within XXXX  days. 
I further demand that you issue me a Form XXXX within XXXX days of the date of this letter. A Form XXXX is required by the IRS to report the cancellation of debt income, which may have tax implications for me. 

Failure to comply with my requests and the requirements of the FDCPA within 10 days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws. Identity theft report and FTC report is attached.
Product: Checking or savings account

On XX/XX/XXXX I requested XXXX ( XXXX ID XXXX ) of Truist to close my account and stop any relationship with your bank. However I received email from Truist on XX/XX/XXXX to inform my digital statement is now available. When I check statement online I saw Ready Now Line XXXX is still open under my name of balance {$1000.00} with last Late Fee {$10.00} charged on XX/XX/XXXX. 
I first learned the existing of Ready Now Line XXXX when I called Truist after I was notified by Truist on XX/XX/XXXX that Overdraft fees have posted to your account. I told Truist that I did not open any line of credit account, such as Ready Now Line XXXX. 
On XX/XX/XXXX XXXX mentioned that this line of credit was opened in XXXX of XXXX. I told XXXX " no, that is not true. I did not open line of credit with Truist ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was stolen by a woman with similar name to mine, who worked in a XXXX XXXX XXXX  where I was a patient. She leased, and then skipped out on, an apartment in a city where I've never lived. She skipped out on rent due, owing about {$1600.00}. The apartment 's collection agency, XXXX XXXX XXXX, then incorrectly reported this uncollected debt under my SSN. I only learned about this when I applied to refinance my home mortgage. 

I know who this was from matching signatures on the apartment lease, and documents she signed as representative of XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

I contacted and reported the error to XXXX XXXX XXXX ( XX/XX/2020 ), the XXXX XXXX FL police department ( XX/XX/2020 ), the FTC ( XX/XX/2020 ). I contacted by phone and sent certified letters with FTC and police reports multiple times XXXX, Experian and XXXX. Ultimately, I hired an attorney to assist me.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I filed a claim with Dividend Solar Finance in XXXX.Original claim number : XXXX, They responded with a lame response that indicated they were not responsible for the faulty installation of my solar panels that are not operating sufficiently and also caused consideral damage to my roof. XXXX XXXX is the company we bought the panels from and they connected us with Dividend XXXX  while they were in my house to give us the financing immediately. The two companies appeared to be in collaboration to get senior individuals with good intentions to purchase the solar panels while providing them financeing. Their response told us that they did not have any responsibility on the panels and it's the suppliers responsibility, since XXXX XXXX has filed bankruptcy and there is no one to service our panels. They also indicated that I should call XXXX XXXX the supplier and when I try to reach them on the number they gave us, an auto reply service answers saying they are not responsible for panels installed and call our installer. 

NO ONE Is taking responsibility and I want this settled. the damage done to our roof and property far exceeds any benefits we received from solar energy generated, especially since we were told that the converter box is faulty as are several panels. 

I beseech the US Consumer Affairs department to help us out. We are over XXXX XXXX XXXX and living on limited income and this is NOT fair. Please help and open this case up again. PS. I still continue to pay my monthly loan payment even though my panels are faulty and not producing what they were intended to produce. I have NO recourse but to pay so they don't report me to the credit bureaus for non payment.
Product: Credit reporting or other personal consumer reports

An a XXXX credit line was opened fraudulently in my name in XXXX of 2023. They used my phone number and personal info to do so. In XXXX of XXXX  when I discovered the fraud I called XXXX to report the fraud and was advised to close the account during their investigation and to make the monthly payments in the interim. I did not hear back from XXXX for months and when I called back to check in I find that not investigation was started so I file XXXX again. The results of the investigation were that since I made payments to the account ( under their advisement ) that that was enough proof to deny my fraud investigation to have the debt erased. My XXXX account was completely deleted so I didnt have any access to the XXXX credit account to get updates and handle things. When I tried to resolve it again they were extremely unprofessional and unhelpful that even if XXXX of their employees advised me wrongly that that is not on them and doesnt reflect in their records. So not only are they trying to put the fraudulent debt on me but also dismissing all of the payments I already made to the account. This is completely unethical and manipulative.