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

Hello, I purchased items at Home Depot on XX/XX/XXXX paid through Homedepot credit card ( citi bank ) my husband brought items back to store for return on XX/XX/XXXX due to wrong items. Store clerk and manager declined the return because " items were already returned '' they said. Based on what store manager told me and I called to check with the Citi bank that I still have not see the credit back to my account for returned items.

Citi bank did not sound to help me resolve this problem.
Product: Mortgage

I completed a Loan Modification in XXXX XXXX that was due back on XXXX/XXXX/XXXX. I did not receive the documents in time so that they would be received at Caliber by XXXX/XXXX/XXXX so I called and spoke to XXXX and he advised to send the documents back and they would still accept them. On XXXX/XXXX/XXXX I sent the executed documents along with the first modified payment in the amount of {$760.00}. I called on XXXX/XXXX/XXXX to make my XXXX XXXX payment and was told by XXXX that my property was in Foreclosure and the payment could not be accepted. The XXXX payment was accepted and posted to my loan but they claimed to never have received the Modification documents which was sent back with the payment that was posted. I also have the tracking information showing that the documents were received and signed for by XXXX XXXX on XXXX/XXXX/XXXX at XXXX. 
On XXXX/XXXX/XXXX, I received a letter from the Foreclosure attorneys advising that there was a sale date scheduled for XXXX/XXXX/XXXX and I have been calling Caliber everyday since and no one will help me to reach a resolution. Finally, I was told that they were going to send out another set of documents and that they would need to be received back Thursday, XXXX/XXXX/XXXX. I never received any documents and I continued to call and finally Caliber agreed to email the documents to me so I could print them off and return them. I received the documents Thursday at XXXX, and overnighted the documents back to Caliber ( at my expense ). I have confirmation that the documents were received at Caliber on XXXX/XXXX/XXXX at XXXX and signed for by XXXX XXXX XXXX Again I have been calling several times a day and anyone that I have talked to says nothing has been processed and it was too late to stop the Foreclosure sale. I also contacted the Foreclosure attorneys today and they said that they received a message from Caliber stating the documents were received and in the process of being reviewed but only Caliber can stop the sale for tomorrow which they have not.Throughout this process, I was never contacted and advised that the documents were not received or that I was in Foreclosure. If my loan was already in Foreclosure, how was the payment that I sent in XXXX posted to my loan and yet the Foreclosure continued? Why is Caliber not even trying to correct their mistake when I have proof that the documents and payment was received?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 got a letter in the mail today which is XX/XX/2019 saying I had requested a XXXX XXXX  XXXX  dated on XX/XX/2019 XXXX This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX, Fico and XXXX XXXX If there is any proof or video of me walking into this bank and requesting any credit card I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I went to look at my XXXX XXXX  where it shows no knowledge of any of this. I also called up us bank and told them I did not make any inquiries they told me to call XXXX  and XXXX. I came on here so I can talk to all parties Involved and get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited ULTA XXXX XXXX in XXXX XXXX, XXXX 
My purchase was paid for with a credit card. 
On XX/XX/XXXX, I received information from XXXX and XXXX that there was a hard inquiry from ULTA on my credit report. 
The inquiry details show : COMENITYCAPITAL/ULTA At no point, I asked or was offered to apply for a credit card. 
I contacted the store and they know nothing and sent me to the guest services XXXX number. I called and they were reluctant to even listen to my complaint. They refused to allow me to talk to a supervisor. 
I was told someone would contact me in 48 hours and that was all the help I received. I explained to the agent that pulling my credit without permission was illegal, and he could not care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Kindly remove the following as these are suspicious:XXXX XXXX		XXXX XXXX		XXXX XXXX		XXXX		XXXX XXXX XXXX,		XXXX		XXXX	XXXX XXXX XXXX	and

XXXX
Product: Debt collection

A judgement was placed on my checking account without knowledge as to who the creditor is, the amount of the debt and no summons was received by me. My account contains child support and social security income which legally can not be restricted. When I called the law firm my bank provided, they refused to give me any information as to who they are unless I provided my social security number. I declined, as I was unaware of whom I was speaking to. The point of contact at the lawfirm aggressively told me she would not provide me with any information and that my account would stay frozen.
Product: Credit card

According to 1029.11 ( a ) When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums or through amounts otherwise owed to or held for the benefit of the consumer, ) the creditor shall : Credit the amount of the credit balance to the consumers account Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, Name : XXXX XXXX XXXX XXXX XXXX : XXXX Section 1681e ( b ) : Accuracy and fairness of credit reporting requires credit bureaus to maintain accurate and complete information in credit reports. 

Section 1681i ( a ) ( 6 ) - Responsibilities of Credit Reporting Agencies Purpose : Details the responsibilities of credit bureaus to correct or delete inaccurate or unverifiable information after a dispute. 

I have been suffering from inaccurate reporting by the credit bureaus from a very long time. I see that none of the bureaus are accurately reporting anything and they are very inconsistent across all XXXX credit bureaus. I have disputed multiple accounts that don't belong to me and even after disputing them, all I get is that the dispute is complete and no action was taken. 

I firstly would like to know what action the company has taken. I would like to know what action was ensured to see that the account actually belongs to me. I would like to get a response within the the next XXXX business days from the reporting burueau of what information they took in the reinvestigation process. 

I would like to get details such as date opened, my signature, my name, address and any other information they may have regarding these accounts. If they don't provide this information, they have violated my rights and I would like to get a {$1000.00} check for each account that was incorrectly reported. 

The following accounts should not be on my credit report. Investigation was already complete and no action was taken. I want to know what investigation they took giving a step by step procedure : XXXX. XXXX XXXX BANK XXXX XXXX Account no. XXXX XXXX. BANK XXXX XXXX : Account no. XXXX XXXX. XX/XX/XXXXXXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX XXXX. XXXXXX/XX/XXXX, XXXX : Account no. XXXX XXXX. XXXX XXXX : Account no. XXXX If they don't provide me with this information, I would like to have them removed immediately. I also want to ensure that these accounts ever get reflected on my account. Details of the investigation can be emailed to : XXXX.
Product: Vehicle loan or lease

My car was stolen. Per 15 USC 1692f, non-judicial repossession is illegal. USAA has no court order that was provided to me nor the third party they had come steal the vehicle. There was NO notification, nor did I give my consent for them to provide my personal information to a non-affiliated 3rd party, which is identity theft. This contract was rescinded for FRAUD non disclosure, and lack of consideration, and the Power of Attorney was revoked. There is no lien holder. This action was not lawful and I will be taking further legal action against ALL parties who continue to allow abusive and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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.
Product: Debt collection

I had an account with XXXX XXXX XXXX for which was paid based on my credit report. Not only did XXXX XXXX  Cash the check, forced my account to move over to XXXX XXXX XXXX, but now learned this same account now sits with Simm Associates. ( 3 credit collection agencies on one account ). 
I have contacted all three collection places and continuously bounced to around. In the final attempt, based on my attorney XXXX XXXX, I am reach out to you to resolve this matter. If nothing is done, we will move to file a complaint against all 3 collection agencies and move into the court system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Transaction : XX/XX/XXXX Problem Date : XX/XX/XXXX Amount of Dispute : {$2200.00} I am not liable for this debt with United Credit Collections and I don't have a contract with them and they never provided me an original contract like I asked. 

I have made several attempts to call United Credit & Collections and I have not received a response back.
Product: Consumer Loan

XXXX, XXXX, XXXX, has a Santander Consumer Auto Loan that is showing up on my credit report that is not me. I spoke to Santander today at there Credit Dispute Office and they confirmed that this auto loan is not me and that I never had a loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX, multiple companies ( XXXX bank, Bank XXXX XXXX ) attempted to run my report for either the purpose to review my overall status with TransUnion. XXXX displayed was and is false with inaccurate information related to my mortgage loan as being late when in fact it is not which I confirmed with XXXX XXXX as of last week during Last week of XXXX. 
Then showing me as deliquent and high balances on installment accounts which is false since my installment accounts are either paid in full or have not had a balance reported as of yet with XXXXXXXX XXXX XXXXXXXX XXXX being $ XXXX limit and paid amount of nearly half from date opening as XX/XX/2023 after a house fire. I was told by XXXX XXXX they are closing my large account due to my credit from TransUnion which now this makes the 4th incident by TransUnion which related to all the complaints I have submitted to CFPB.
Product: Checking or savings account

When we initially opened our business checking account in XXXX this year at Bank of America , Bank of America offered a cash bonus of {$500.00} if we meet the following two requirements, as shown in the attached letter from Bank of America : Within 60 days of account opening, 1. Make qualifying deposits of at least {$20000.00} and, 2. Make ten qualifying electronic payments including debit card transactions. 

Within 60 days of account opening, we have satisfied both requirements. To date, Bank of America has not followed through with crediting our account with the {$500.00} cash bonus. 

We have contacted Bank of America on several occasions, to no avail.
Product: Debt collection

I am writing to address the recent denial of my dispute claims on my credit report, and I am greatly disappointed to find no supporting documentation justifying this denial. As a victim of identity theft, I have been actively working to remove these fraudulent accounts from my credit report, but the credit bureau has not provided any assistance. The accounts in question are DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, DEPT OF ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}, DEPT OF ED/XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$6600.00}, DEPT OF ED/XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$6400.00}, DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00}. I urge you to treat this matter seriously and take the required steps to resolve this issue promptly. I anticipate hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a credit card from Citibank on my report that does NOT belong to me
Product: Student loan

On XX/XX/2024 my husband sent a check through USPS to Mohela. This was to pay off the remainder of my student loan debt. The check was signed for on their end on XX/XX/2024. The check was cashed and XXXX taken from our account on XX/XX/2024. My husband and I have called MULTIPLE times to see if the debt is cleared and they're saying they do not see the payment. It's a SUBSTANTIAL amount of {$55000.00} because this was the exact pay off amount at the time we sent it. It's been almost XXXX  days and we are starting to receive late notices and past due bills. No one can give us a straight answer and we are at our wits end. If this was a monthly payment, it would have gone through. Why has this not gone through? They cashed the check almost XXXX months ago!!!
Product: Money transfer, virtual currency, or money service

Event date : XX/XX/ Entity : XXXX XXXX XXXX Ticket number : XXXX Account number : XXXX Our mobile app XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was suspended from sale on Google Play without giving us an opportunity to comply with the Google Play policies. Our app has been on Google Play for over three years, and we have been compliant with all requests from the Google Play App Review team.

As a long-time partner, we have always held ourselves to the highest standards and never meant to go against your policies or mislead our users. 

We are committed to comply with Google Play policies but we have never been given an opportunity to comply with the policy, instead our app been just removed from sale causing over {$500.00} 000 damage due to the cost of product development as well as lost revenue from subscribers that were generating over {$15.00} 000 monthly. 

We would greatly appreciate it if you could provide us with more information so that we can address and fix this as soon as possible. To prove our intentions we have prepared a build of the app that makes the app free for users while we fix the outstanding issues. Please let us upload it and re-instate the app after your cautious review. 

Best, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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: Checking or savings account

I have a small business checking account with Capital One bank. I had an instance of check deposit {$10000.00} that took more than 7 days for the funds being available for me to use but, shows credited on my statement on earlier date which I found deceit. I requested a backend transaction detail to the bank and I have not received it in over a week.

I also have a money transfer made through ACH about XXXX XXXX to a bid I won. The company did not receive the ACH payment and requested I wire the money. My bank did not credit the money on time even if I called the Bank to inquire about this returned fund and file a claim on XX/XX/XXXX. I also requested a transaction detail report as to when money was credited by the consumer as a supporting document for the penalty payment request from the vendor. Neither a claim filed confirmation nor a requested report was sent to me. I again called my bank on XX/XX/XXXX and been informed the claim was not filed for

unexplained reason and they are investigating the matter which may take up to 7 days on a recorded line. The excessive delay in transaction processing out of the regular processing time stated by the bank and lack of transparency is unfair and unethical business practice. The bank is causing me harm by using my funds to do business and not availing the money I needed to do my business transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : I also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which Transunion wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX - XXXX, XXXX XXXX XXXX, FXXXX XXXX ,
Product: Student loan

Today : When I did my exit financial loan counseling, I discovered that i had some delinquencies. I have been on top of my loan with EDFINANCIAL and always pay in advance. I am veteran and currently stationed here in XXXX, XXXX with my wife who is in the military and my son. It is very stressful because, noticed that I still owe some when last time I checked before they switched platform that I was almost done. I checked XXXX that I have a balance of {$400.00}. Last week EDFINANCIAL sent me an email that I have {$24.00} left as the balance. 
Also, I forgot my login password. I requested a temporary password, but EDfinancial did not send to my email. I just want to pay everything off. I don't like being behind on my bills nor get scammed with them. 
I looked at some of the reviews they are very bad, and I regret borrowing money from them. I need help because I am afraid if I call they will put me on hold for along time. Their CHAT is useless. They can not even get an agent to help me.
Product: Checking or savings account

Someone is trying to open accounts under my name with m and T bank, I do not even have a bank of this branch locally to me. I keep on getting debit cards sent to me and when XXXX  call Im asked for my social security number over the phone. I dont know what to do
Product: Debt collection

Dear CFPB Representative, I am escalating my complaint against XXXX XXXX XXXX and Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding debt validation and dispute resolution. 
I requested debt validation from XXXX XXXX, and they refused to provide proof, claiming they do not have to send me proof. 
Experian continues to report the account despite this, stating there is nothing they can do. 
I have sent over six dispute letters, and Experian keeps sending automated responses instead of conducting a real investigation.

Violations of the FCRA : 1. Failure to Validate the Debt ( FCRA 609 & 611 ) If I dispute an account, the furnisher ( XXXX XXXX ) must provide verification. Refusing to send proof violates my rights under federal law. 
2. Failure to Conduct a Proper Investigation ( FCRA 611 ( a ) ) Experian can not simply send automated responses ; they must conduct a reasonable investigation and obtain validation from the creditor.

3. Failure to Remove Unverifiable Debt ( FCRA 611 ( a ) ( 5 ) ( A ) ) Since XXXX XXXX refuses to send proof, Experian must delete the account immediately.
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 {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.