23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Request Exchange on Debts Due to XXXX XXXXXXXX 

To Whim It May Concern : I have been dealing with XXXX XXXX since XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, and I am XXXX XXXX XXXX  There is simply no way I could keep a job and support a credit history. So, I respectfully ask that your institution write off permanently the credit card debt that charged off in XXXX XXXX XXXX XXXX 

As you know, in past few years, the citizens of the United States suffered through a deadly pandemic the likes of which our nation has not seen in over one hundred years. Crippling fear and an abundance of caution resulted in government-imposed shutdowns, curfews, and moratoriums, which prevented millions of Americans from working and conducting their business and pushed many thousands of businesses to fire their staff and, endured the indignity of having to close their doors for good. This devastated the economy, drained peoples savings, forced millions of consumers into insolvency, and destroyed their previously good credit ratings. In the post-pandemic, the country has not fared much better. Unable to find workers, a great many of the businesses that managed to cling on by the skin of their teeth and survive the nightmare that was COVID -19, found that perseverance and determination are not enough. Exhausted, demoralized, and out of options, they too had to shutter their businesses and experienced the heartbreak of financial ruin. Unsurprisingly, bankruptcy filings are near an all-time high. 

I would like to work out this matter without any costly litigation or unnecessary protracted court procedures. In lieu of any current long-term indebtedness, I am respectfully asking for a 1099-C Exchange that I believe will benefit all parties involved. This requested 1099-C Exchange will clear the business between the parties, allowing me a fresh start. Any debt that I owe is canceled, forgiven, or discharged, and in this way becomes taxable income to me. Your institution receives a true write-off for a debt that was likely previously deducted in your prior 10-Q SEC filings. A win-win!

Please respond in written form only through the Consumer Financial Protection Bureau ( CFPB ), or directly to my email referenced above. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute in XXXX regarding inaccurate information on my credit report. Tried to dispute the items and the Company replaced the negative information with different negative information and I disputed that information and they removed the negative information and replaced it with the original negative information that doesn't belong to me, these creditors never had a relationship with me. 15.US Code 1681i ( 5 ) ( b ) : Reinsertion of deleted Item, 15 US Code ( 5 ) ( a ). Accuracy. Both Codes refer to my situation and according to the law these inaccurate items should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached letter to Experian requested requesting that they send to me documents bearing my signature on the items I previously disputed an inaccurate. I demanded written verification of these items they were reporting. They contine to send a letter stating that they investigated and subsequently re-investigated the disputed Items on my credit report, when in FACT they never did a proper investigation. 

The law is clear, I have rights under the Fair Credit Reoprting ACT. They continue to violate the law by not sending me written verification of documents with my name and signature on them. 

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that Experian somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how their investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to Experian previously are once again attached along with this correspondence in order to help you process this request.
Product: Debt collection

We haven't received any notice of our rights to dispute this matter from the criminal businesses we are complaining about. I am being harassed by Home Depot and Citibank and they have threatened me with defamation and continued harassment and have probably already done the former and have continuously been doing the latter. Whenever I call them in an attempt to discuss my account in a civil manner, they behave in an extremely offensive manner. In the past, they have hung up on the phone on me, spoke highly of themselves, and used sovereign citizen logic on me. They spouted irrelevant nonsense even when I warned them I would hang up if they continued. They then said " Have a nice day, I guess '' and then continued to spout irrelevant nonsense in order to avoid the topic of their guilt in their non stop refusal to let me pay any aspect of my bill, after which have charged interest/finance charges/late charges to me, when in fact they should be paying me this amount since they are still late in removing the fraudulent fees from my account to let me pay any agreeable part of my bill. They also refuse to converse by email and when they do, they ignore everything I say, take a very long time to reply, and reply with irrelevant nonsense. Home Depot is a criminal organization. Their credit card operations in the U.S. must be shut down immediately and whoever manages their credit card division belongs in jail for harassment, financial fraud, credit fraud, and extortion. There are many, many fraudulent " late '' or finance charges that Home Depot is responsible for by their nonstop refusal to let me pay any amount of ( only ) agreeable charges. Among them is a " + {$29.00} '' in " Late Fees '', and likely multiples of the same if they charged the same fee on prior statements. Home Depot has also stated that this debt " does not belong to them '', yet they are still making outrageous claims that I owe them fees/bills for them harassing me. 

Both Citi and HD also sometimes pretend they will process my payment and then don't, and then hang up on me. They also pretend I can pay online but don't give me any method by which I access payment portals online. All they let me do is access a Home Depot website for placing orders ( with payment methods that are unrelated to Citi and HD ) but I have no way to influence XXXX XXXX XXXX XXXX  through this.
Product: Credit card or prepaid card

The charge of {$710.00} with XXXX is being disputed due to their failure to provide full credit for a returned order, despite promising to do so. The items were returned within the specified XXXX time frame outlined in the merchant 's return policy, yet the credit received was less than the total amount charged. To support this claim, we have attached the necessary documentation including the merchant 's return policy, proof of return with the full address to which the package was returned, and confirmation of delivery tracking number. 

I contacted Citibank on XX/XX/2023, XX/XX/2023 and XX/XX/2023 to address an issue with Case ID : XXXX and requested that Case ID : XXXX be reopened. I am composing this letter to request that the investigation be reopened. To support my claim, I sent proof of return tracking via XXXX XXXX delivery confirmation, and a copy of my receipt from the merchant indicating that my Citibank Mastercard ending in XXXX should be credited {$710.00}. These documents were emailed to XXXX on XX/XX/XXXX, XXXX, and XXXX of XXXX. Please note that all documents were submitted before the investigation for XXXX ID : XXXX was complete. 

On XX/XX/2023, I received a letter from Citibank requesting additional information and a signed letter, which I provided and returned via email to XXXX on XX/XX/2023. However, on XX/XX/2023, the investigation was closed by Citibank, stating that the merchant issued a voucher. 

Nonetheless, I have not received a voucher from the merchant, rendering the dispute 's closure and my account 's rebilling invalid. As far as I know, there is no substantiated proof that a voucher was issued, and the merchant has not provided Citi with a copy of the voucher or any information on how it was issued. Therefore, I am requesting that the case be reopened. The merchant should provide a comprehensive explanation of how the voucher was issued, rather than implying its issuance.
Product: Money transfer, virtual currency, or money service

In XXXX cash app extorted XXXX out my account I still have no clue where and who to contact to receive funds. Been calling hotline for months no response
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will
result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card or prepaid card

On XX/XX/19 I went to Macy 's at the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX ) to purchase a coat. There was a promotion going on where you if you signed up for the Macy 's Credit Card you would get 20 % off. The coat was listed at {$340.00} and had a sale going on but I was happy to get an additional discount on a large purchase and I have a high ( over 800 ) credit score with a good income so I have never been denied for a credit card. The sales associate ran my information, pinged my credit ( I was informed of this by my credit card and credit monitoring services ), and told me I was denied and would receive a letter in the mail telling me why. I spend {$140.00} on the coat ( after the sales discount but with no 20 % for the new credit card ) and had to place it on my personal credit card. I got a letter in the mail dated XX/XX/19 from Macy 's at XXXX XXXX  XXXX, XXXX, OH XXXX indicating that I was approved for a credit card and needed to call to finish the process. When I called today XX/XX/19 to inquire about why I was denied I was told that I wasn't denied despite what I had been told in store and despite not getting the 20 % off my purchase. I asked that my application be canceled and to speak to a manager to ensure that the application was canceled and to lodge a complaint against them for pinging my credit to deny then approve me with no compensation. I was placed on hold then a CS rep came back to tell me that the hold would be indefinite as there were no managers available. I still am not sure if the credit card application has been canceled and I am very concerned about stores handling credit card applications this way. If I am denied tell me why, if I am approved give me the discount. Don't ping my credit the tell me I'm both denied and approved but refuse to give me the discount.
Product: Credit card or prepaid card

At the end of XX/XX/2023 there was a promotion between XXXX rewards and XXXX XXXX  XXXX to reach XXXX  status with XXXX XXXX. I signed up and linked my XXXX account with my XXXX account during the sign up period before XX/XX/XXXX. 

I received confirmation from XXXX that I was enrolled in the promotion and it would start on XX/XX/2023 to stay XXXX XXXX  with XXXX to reach this XXXX  status before XX/XX/XXXX. 

I met the XXXX night requirement by the end of XX/XX/2023. On XX/XX/2023 i reached out to XXXX to see when my Globalist status would be available. 

I was giving a case # XXXX by XXXX as they would look into the problem. They told me XXXX will send XXXX the information that I was enrolled in the promotion so they could update my status. 

I would email XXXX and XXXX where each one was blaming the other for the problem not being resolved. XXXX would tell me I was enrolled in the promotion and it is up to XXXX to give me the XXXX  status. XXXX would tell me I was not enrolled in the promotion and would need to contact XXXX. 

This has been going on for 2 months with no resolution except XXXX telling me I was not enrolled in the program during the promotional period. Therefore, I would not be upgraded to the XXXX  status.
Product: Debt collection

The screenshot will show that they threatened to impact my credit. I would like them explain the delay tactic in reporting the account past due. They need to provide a full accounting on when my account became past due and when was it reported to creditors. Also they sent threatening emails to ruin my credit. Basically they delayed reporting and sent me collections emails in lieu of reporting. Then they ruined my credit by report it at once.
Product: Credit reporting or other personal consumer reports

I updated my address information over the phone with a rep, back in XXXX. I then made an online purchase using my Kohls charge and Kohls cash. However, they still shipped the purchase to an old address. Its taken me 3 months to get this rectified, because every time I had to call and speak with someone to get the late fees and interest charges refunded, the reps never completed the tasks. In addition, I still dont have my Kohls cash reimbursed. This is horrible customer service, and as an XXXX XXXX XXXX woman, this is making me very feel like they are taking advantage of senior citizens. Aside from this runaround, I found out today that Kohls reported to the credit bureaus that my payment was late, which has affected my credit score. I never received the product, its taken me months to finally get the interest and late fees reversed, and Im having to call for every little thing one by one, because not a single person has done the job completely. When I called to let them know I hadnt received the package, they said I had to wait on the refund until the package was returned to them. So, I had to call back to make sure they got it, but they still charged me for it. Then I had to call back again for a refund. They took forever to do that, but still charged me for interest and late fees. I had to call back AGAIN for them to reverse it, and when they finally did, I still didnt get my Kohls cash reimbursed. So, I called back AGAIN and they said it would be reissued on the app. I dont see it. These people need new training on how to complete the job and not give customers the runaround. The worst part is, they had the nerve to report my payment late! So, no product received, getting the runaround, plus late payment reported and my Kohls cash isnt reimbursed. At this point I deserve a gift card for the hassle! Good grief!! I want the late payment report reversed and I want my Kohls cash reimbursed and also something for putting this XXXX XXXX XXXX woman through XXXX.
Product: Mortgage

On or about XX/XX/20, I was referred to a Guaranteed Rate Loan Officer as we were interested in refinancing and we specifically  stated that our main interest was to lower the mortgage interest rate, the mortgage payment, and to get rid of the mortgage insurance. We were informed that a Conventional Loan will help us to do all this so we started the loan application. Based on our credit scores we were informed that the best interest rate for a conventional loan at that time was 3.99 % for a 30 year mortgage. We had a 3.875 % FHA mortgage which was better than what they offered but she informed us that she could manage to lower the mortgage payment. On XX/XX/20, we received preliminary closing fees that will be charged at closing and we noticed that a Discount Points fee was added for {$4900.00}. Then, on XX/XX/20 the 1.5 % of the Loan Amount ( Points ) was reduced to {$3500.00}. During the process of the loan we had several problems with the Loan Processor, that close to the end of the process, I sent an email to the Branch Manager as I was informed by a friend that the mortgage interest rate had gone down, so I decided to send an email to the Branch Manager and she replied to me saying that they couldn't lower the interest rate because of my credit score, but they were still going to be charged 1.5 % in points. At the end, we did not like the way we were treated due to people who refinance are asked to wait because they prioritize Purchase Loans this was said by the Branch Manager in writing via email. As if we the people like us who refinance don't deserve the same attention or treatment. The refinance process is not " free '' as they charge all these fees to include large fees they are not willing to do anything about like when you pay points it is specifically to lower your interest rate. We decided not to refinance and to stay with our mortgage company, everyone should be treated with respect and in a " fair '' manner regardless of what type or mortgage you are applying for Purchase loans over Refinancing loans, and Guaranteed Rate shouldn't give " priority '' to purchase loans as loans should be treated and process in a " fair '' manner. I wouldn't recommend Guaranteed Rate to anyone who is looking to refinance their loan.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX This company, based in XXXX XXXX, NY has been employing intimidation tactics to collect a credit card debt that has been written off by XXXX bank. 

I called XXXX  today, and was told they have no recourse because my debt was sold and written off. My credit score is low, and it is because of this debt write off. 

Today, they sent 2 men, without identification to my door in an effort to serve me a fake summons. Previously, they called my friends and relatives at all hours looking to collect my debt. 

The summons, document does not have original signatures or notarization. their is no formal response letter, or numbered of summons. 

I contacted my Attorney General Office, DA, FTC and FDIC and congresswoman. 
i will file a complain with Attorney General and CFPB. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and Sagestream and they are refusing to provide me withmy consumer report .On XX/XX/XXXX the sent me a letter stating that they are unable to authenticate my identity and therefore can not process my request. I have provided them with a copy of my y drivers license and they still refuse to provide me with my consumer report which is a violation of my rights under the FCRA. Attached to this complaint is a copy of of my Drivers License I porviede to XXXX and Sagestream.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1992 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I did not sign or verbally have any agreement with this company. It may be a result of fraud.