23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used XXXX points to buy a HomePod through " Chase XXXX XXXX Rewards Store, '' Order Number XXXX, on XX/XX/2023. Product was defective because it did not sync with a brand-new AppleTV, so a few days after I received it, I called customer service number XXXX to return it. A representative advised that a return shipping label would be sent to me within 7 days. 

Approx. 10 days later, I called back as I had not received a return shipping label. I was now advised that I needed a " Case ID '' from XXXX. So, I called XXXX and obtained same on a XXXX call with XXXX and Chase XXXX XXXX XXXX XXXX I was now told by Chase XXXX XXXX XXXX rep that a return shipping label would be sent within 7 days. 

Approx. 10 days later ( yesterday ), I called back as I had still not received a return shipping label. I was advised by a representative that she did not know why a return label had not been sent and she could not process XXXX, but that a representative that could process same would call me back by end of day. None called. I also asked this representative whether the business " Chase XXXX XXXX Rewards Store '' was a Chase company or an XXXX company so I could potentially send a letter to its Registered Agent, and she advised that it was an XXXX company. This appears to be untrue. 

Today, I called Chase XXXX XXXX Rewards Store again and was now advised by " XXXX '' XXXX XXXX that the XXXX " Case ID '' does not work, so I needed to call XXXX again and start the whole process over again, and that she could not send a return shipping label. XXXX XXXX also advised that Chase XXXX XXXX XXXX XXXX is a Chase company, not an XXXX company. So, I google 'd returns to Chase XXXX XXXX XXXX XXXX and discovered a whole XXXX XXXX of other people who experienced the same run-around when trying to return products to the Chase XXXX XXXX Rewards Store, and they ultimately gave up. 

https : XXXX? XXXX This abusive treatment of consumers should be stopped.
Product: Credit reporting or other personal consumer reports

I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No? 
Please provide the name and address of the bonding agent for ( Early Warning Services ), in case legal action becomes necessary : Authorized Signature of Creditor :
Product: Student loan

Hi, My name is XXXX, I attended XXXX XXXX in XX/XX/XXXX. One year after the lawsuit was filed against the school, in XX/XX/XXXX my federal student loan was forgiven, even though I paid about 7- 10 % in monthly payments to federal loan at the website XXXX, this amount was not refunded, I am greatly thankful to consumer protection agency for standing with the student who were victim of this unlawful act by XXXX colleges.

The diploma cost XXXX, about 10k was federal student loan subsidize and unsubsidized loans, nearly 5k bell grunt, and about 7k Genses private loan. However, the fact that we all know going to school it should make people life better, or at least won't make it miserable. To clarify that, I thought I was going to have a career as the school promised. Shortly after I graduated I heard about the lawsuit. Therefore going back to unskilled job is a must. I struggled to repay my Genses loan, any time I call them to let them know that I can't pay for this or that month they will say ok, but interest is adding up, 7 k I nearly paid 10k for late payments that I can't afford to make by doing unskilled labor work. Plus I was not able to go public college to pursue a career because no one that have no parents or brothers to help can attend school with {$110.00} Genses loan + XXXX $ federal laon, my concern has been shifted from pursuing a career to focus and find a way to pay back the loans. I couldn't attend school for 2 years just to make sure the loans are paid. To conclude, federal laon has been forgiven, the question remains after contacting so many lawyers that can help in student loan cases. If am i able to get at least the interest that I paid back to private loan Genesis student loan, which nearly {$5000.00}, from {$7000.00} principal. Which all equals to {$11000.00}. XXXX  school has changed my life from unskilled worker to unskilled worker with loan which negatively affected me for two years, XXXX, XXXX  for how to pay it back.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Product: Debt collection

US DEPT ED XXXX {$7300.00} US DEPT ED XXXX {$5900.00} US DEPT ED XXXX {$2800.00} US DEPT ED XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

They sent a process server to my door on XX/XX/year>. Saying it was in regard to an old credit card bill. Asking for a summons within 20 days to answer. Sent them the answer told them I want them to cease and desist from all further contact with me. That I only live on SSI, and could not afford this. However told them I would settle for {$10.00} because thats all I could afford. They sent back a letter dated XX/XX/year>. Scamming for a higher amount than what they originally said which was {$1400.00}. Now they want 70 % of XXXX to be paid to them within 30 days. I want them to cease harassing me. Nor do I want to reopen the credit file or prolong it with them again. I just want nothing to do with them and their client anymore. I am only on SSI, am XXXX XXXX XXXXXXXX. Yet they ( XXXX ) doesnt seem to get this. Particularly that SSI is judgment proof. Which means obviously I cant be sued. I am really scared out of my mind because they act like they wanted to sue me. And never gave me a chance to dispute this alleged debt. Which I consider I dont owe them. They ruined my whole XXXX XXXX  this year, leaving me, an XXXX XXXX XXXX XXXX disturbed and unable to enjoy the XXXX XXXX  with my friends and family like I always look forward to doing.
Product: Debt collection

Re : Debt Validation Request [ Account Number or Reference Number ] To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above.This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am exercising my right to request validation of this debt and the following documents to ensure the debts legitimacy and the accuracy of your claims : The Forward Flow Agreement The agreement between the original creditor and your company that grants you the right to collect on this debt.

The Chain of Assignment A complete and verifiable record showing the transfer of ownership of the debt from the original creditor to your company, including all intermediate entities or individuals involved.

The Purchase Agreement A copy of the document ( s ) demonstrating that your company has legally purchased or otherwise acquired this debt from the original creditor or any previous holder.

Insurance Claim of Debt If applicable, a record of any insurance claim made on this debt, including any payout received by the original creditor or by your company, as it pertains to the debt.

My Signature Agreement to Pay A copy of any signed agreement or contract that reflects my explicit intention to repay this debt, if such an agreement exists.

Accounting Records of the Debt A detailed statement of the account, showing the full breakdown of the balance owed, including the original amount, any interest, fees, or charges added, and the payment history, if applicable.

Copy of Your License to Collect Debt As required by law, please provide a copy of your companys debt collection license for the jurisdiction in which you operate, as well as any other applicable licenses that allow you to collect on this debt.

Please provide the above documents within 30 days of receipt of this letter, as required by the FDCPA. If you are unable to provide these documents or fail to validate the debt as requested, I expect this matter to be considered closed, and all collection activities related to this alleged debt should cease immediately.

Should you fail to provide the requested documentation, I will consider this debt invalid and dispute any further attempts to collect on it. Furthermore, I request that you cease reporting this debt to any credit reporting agencies until the debt is fully validated and all supporting documentation is provided. 

Thank you for your cooperation. I look forward to your timely response. 

Sincerely,
Product: Debt collection

At approximately XXXX XXXX on Monday, XX/XX/XXXX I came home from lunch ( I work XXXX XXXXXXXX ) and found a white car sitting in my driveway. I had to wait on them to pull out so I could pull in. When I approached the car it was a representative from Tower Loan of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. She stated I owed money and needed an arrangement. I told her I had a pending Chapter XXXX filing and we'll be in touch once I get the case number. She unbuckled her seat belt and stated she was going to come in and get my personal property collateral I supposedly gave them. I told her she can't do that and she stated she could because I signed some form. She had no court order or sheriff officer with her, nor have I been served with a lawsuit regarding such debt. I told her to leave my property or I'll call the police. She said she was calling the manager and parked her car on the street blocking my driveway so I could not leave. I had a meeting so I went back to work in my XXXX office. 15 minutes later a blue car pulls up and the gentlemen continuously knocks and rings the doorbell for 19 minutes. He left his card, name was XXXX XXXX. I was unable to call the police due to my work meeting. I felt very threatened and could have easily treated this as an attempted home burglary resulting in a 911 call, which will happen next time regardless of my work schedule. To top it off, the letter she left me stated I had until the XXXX to make arrangements for the alleged past due and they are trying to steal property on the XXXX.
Product: Credit reporting or other personal consumer reports

I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I been asking for and about a car deferment since I loss both jobs due to XXXX XXXX around the year of XX/XX/XXXX until now and Credit Acceptance gives a hard time with helping with lowering payments. They do not understand and I have to negotiate price that I can try to afford to keep the car for to try to maintain for my kids and self to try to work. They are very hard to deal with financially and also I want warn about the XXXX  on a XXXX  with the XXXX XXXX XXXX XXXX. I was told XXXX and it went from XXXX to XXXX.
Product: Mortgage

I refinanced my mortgage in XXXX. Wells Fargo Delayed the closing and the rate lock expired. I have emails that I addressed this matter with Wells Fargo from XXXX. In XXXX Wells Fargo was fined {$1.00} XXXXXXXX XXXX AS A RESULT OF THIS MATTER.Wells Fargo still did nothing about the abusive practices. Only a few customers were addressed. In XXXX, XXXX, Consumer Affairs discovered that Wells Fargo still had this matter outstanding, and assessed another $ XXXX in fines to Wells Fargo. 
I received a check ( with no explanation ) dated XX/XX/XXXX. A letter attached to the checks offers no clear documentation of how Wells Fargo arrived at the amount of what they were sending me.No supporting Documentation was provided at all. Just some numbers provided by Wells Fargo Customer service Customer Service Dept. I want full documentation. of XXXX XXXX XXXX Calculation - Interest period dates and percent for state of Ohio. Wells Fargo has insulted me bay saying they are paying me and additional {$170.00} for time I did not have the fee 's This is what they think I'm worth. AND IT IS NOT ACCEPTABLE. WHO CAME UP WITH THIS FIGURE. ALL OF THIS WAS DONE BY WELLS FARGO CUSTOMER SERVICE DEPARTMENT. NOT ONE LEGAL PERSON WAS INVOLVED. I CALLED WELLS FARGO TODAY AD VERIFIED THIS. THIS IS AND INSULT. THEY ADDED {$5.00} AS A " JUST BECAUSE '' Then Wells Fargo is telling me to contact a tax consultant and/or an attorney to see if I have a tax liability. And Wells Fargo expects me to pay for this service when Wells Fargo is the guilty party. Wells Fargo should be paying any and all fee 's that a customer incurs as a result of this matter. Wells Fargo wants me to take the pennies that they sent me, spend it all on an attorney or tax consultant. Wells Fargo is the guilty party. I am not standing for this. Wells Fargo need to pay. And {$170.00} is not acceptable. What makes Wells Fargo this I am only worth {$170.00} when they are paying BILLIONS IN FINES. I WANT A COPY OF WELLS FARGO 'S RESPONSE TO THIS COMPLAINT FOR MY TEAM. THANK YOU. XXXX XXXX
Product: Bank account or service

I opened an account with Capitol One 360 in XXXX. The account was opened with a {$25.00} deposit with a {$25.00} dollars overdraft limit. On XXXX XXXX, XXXX my husband and I purchased a time share. I provided the resort with my debit card number with the intent to transfer {$100.00} into this checking account by XXXX XXXX, XXXX, first payment due date. However, my husband and I cancelled the timeshare due to fraud and misrepresentation. I was advised by my attorney to cancel my debit card to avoid any further charges, so I cancelled the card. With a {$2.00} balance in my checking account, The time share company debit my card for {$100.00} causing my account to be {$98.00} overdrawn on XXXX XXXX, XXXX. I disputed with the charge Capitol 360 under the grounds of fraud and misrepresentation by the timeshare company. I lost the dispute. I asked the bank representative why did they allow a {$100.00} charge to go through when I had only {$25.00} overdraft protection. They told me they still allow certain charges to go through such as gas etc. I attempted to buy gas with this debit card over a year ago and the transaction declined. I have attempted to further dispute this with supervisors and gotten no where. I received an email from the escalation department stating that I can no longer dispute this item. I feel that I should not be responsible for paying this charge when there was an overdraft limit of {$25.00}. I attempted to close the account, but I was told that I could n't until I paid the pending overdraft charges. This account is constantly accurring interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing because XXXX, XXXX  and Equifax are in violation by reporting fraudulent credit information when I never even authorized any furnishers to report on my credit. I will have to seek litigation if this is not removed because this is wrong and an injustice for doing this without my consent. Please update me as soon as possible with this matter, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on ( XX/XX/XXXX ) and I noticed that this unauthorized inquiry had been made : TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX TransUnion XXXX XXXX XXXXg XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX Bank XXXX Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
I contacted ( CREDITOR/FURNISHERS NAME ), who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 
Thank you for your help and assistance. 
Sincerely, XXXX XXXX
Product: Credit card

Over the past XXXX months, I have been charged {$510.00} without any prior communication or sufficient explanation. Upon discovering these charges, I contacted wells fargo for clarity and resolution. However, the responses I received were neither clear nor satisfactory. 

Despite my repeated requests to waive these charges entirely, their agents declined to do so. It was only after I indicated my intention to escalate this matter that they agreed to waive XXXX months ' worth of charges, amounting to {$190.00}, but refused to remove the remaining balance. Furthermore, I was informed that additional fees might be imposed in the future, which I perceive as both unreasonable and threatening. 

I believe this situation is a direct violation of Wells fargo commitment to transparent and fair banking practices. As a loyal customer, I am deeply disappointed with the lack of communication regarding these charges, the partial and unsatisfactory resolution offered, and the implied threat of further charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX : XXXX Sos : XXXX TransUnion LLC XXXX, Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Attn : Supervisor Subject : Request for Removal of Fraudulent Accounts and Inquiries Date Created : XX/XX/XXXX Dear Supervisor, I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit profile. These entries were made without my consent or knowledge. 

FTC # : XXXX XXXX Accounts : XXXX. XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Fraudulent Inquiries : XXXX. XXXX  Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX via XXXX  XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX via XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX- XX/XX/XXXX These accounts and inquiries are fraudulent, inaccurate, and should be removed from my credit profile immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 


These accounts and items were not authorized by me and are fraudulent. I have no knowledge of their existence or activity. 

I have attached and uploaded the following documentation to support my dispute : Copy of my government-issued ID Copy of my Social Security card FTC complaint Notarized Affidavit Personal statement letter Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Prepaid card

Ive waited for my money network card in the mail more than XXXX weeks. I requested a new card in the mail only because they said I can transfer my money onto my personal bank account. Ive tried and tried and nothing works. Ive called several times to try to fix this and they cant figure it out. I have {$XXXX} from paid family leave that I can not use because money network isnt giving me my card. I dont know what else to do I need my money I have bills. I have mouths to feed.
Product: Mortgage

I have been with Seterus for several years, I guess they bought my loan from my previous servicer. In the last few months they have made accounting errors and they are unable to fix them. It gets worse with every call I make. My principle has actually gone up and they ca n't figure out why. Even though I make more than the monthly payment required every month. I make {$1000.00} payment every month, for the last 5 years it used to apply to the monthly payment due and the rest towards principal. Now they apply it towards future interest. After calling and asking them to apply it the old way they said no problem. But the problem has not been fixed. After the second call they actually did a reversal that added {$1400.00} to my principal. So let me get this straight : I make more than the monthly payments due and now my principal is going up. Is n't this basic math that you learn in elementary. 
It 's sad that we as the consumer have to waste our time and money trying to fix mistakes made by these financial institutions and in the end we almost always end up losing. I can already see the future : I will have lost {$1400.00} and the will add late payment fees to my account.