23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please, help me. I am XXXX XXXX XXXX, a retiree, XXXX y.o.. XX/XX/XXXX I received hearing aids, order # XXXX from XXXX mailto : XXXX with total cost of {$450.00}. Upon opening of received package, I found that instead of ordered item ( hearing aids X3 ) they sent me an outdated cheep version X2 ( {$270.00} ) and no batteries ( {$49.00} ). The same day I contacted the seller requesting return address and full refund. 
XX/XX/XXXX I sent back to seller the received order ( USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX that I sent to seller ). Realizing with what company I have deal, I initiated a dispute in my local bank XXXX XXXX, ph : XXXX, Branch ManageXXXX XXXX XXXX XXXX that issued me credit card I paid for the order. In few days the bank credited me the seller charge of - {$450.00}. During following two month, i didn't get any information from the bank, nor from the seller, but found that my bank reversed my credit charging me {$450.00}. From XX/XX/XXXX til now, I many times visited my bank asking for protection and three times ( for their requests ) presented them set of documents supporting my case. During this time no documents related my dispute I have received from bank. In my last talk with the bank manager XXXX XXXX, I was orally informed me " that the seller can not return money to the bank, but can it return to me ''. 
After this ( about XXXX week ago ) in the third time, I sent all documentation and request for refund to the seller. ZERO result. The seller just ignored my E-mails. 
I can send you all documents, mail exchanges and USPS receipt with tracking #. 
PS : At time I wanted to initiate dispute at Santander via their site, I realized that Santander revoked this option offering instead to do this by phone that never answers. 
I called 8 times ( spending each time between 10-15 minute ) and never got response. 
This is why all my interaction with Santander was during my visit to their local branch. 
Please, help me to get my refund. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, MA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

At the time of purchase, our original mortgage was with XXXX. 
On our original loan, we were making payments on time regularly. 

We were made aware in XXXX of 2023 via mail from XXXX that impounds were being incorrectly calculated by XXXX while they held the loan. 

XXXX was now assuming our loan from XXXX, but XXXX noted that XXXX should have been applying approx {$900.00} to the impound account rather than the {$500.00} they had been applying for quite some time before selling our loan to XXXX. 

XXXX insisted I pay approximately $ XXXX immediately to bring the loan into compliance, and to avoid delinquent reporting. 

Although this large unexpected expense was a severe hit to our budget, we complied. 

To have a blank slate, and to avoid further confusion as to where monies were going, we created a new bank account with XXXX for any future mortgage payments. 

We made the update of the new account on their secure website. 

We did not take a snip-it/screenshot of the confirmation since it would be recorded on their site. 

Though we had made this change, XXXX continued to auto-deduct from the original bank account but said we were not making the payments. 

We had the confirmation we were paying via our XXXX personal banker 's records. 

Upon our informing XXXX of this, XXXX stated that there was a glitch in their system, yet chose not to correct their error. 

This latest error ( " Glitch '' ) was only discovered when the city sent us a tax bill claiming non-payment of the very same taxes that were rolled into our mortgage. 
We were fuming now! 

This is how we learned of their error in not allocating our payments correctly. 

All of this was taking a huge toll on our budget in addition to XXXX taking my spouse out of work as well. 

XXXX sold our mortgage to XXXX, and we continued to make our payments as directed. 

We feel that we were improperly informed of factual changes and errors that put undue stress and hardship on our family. 

XXXX. The new assessment for the house. 
XXXX. A subsequent tax increase. 
XXXX. Disclosure of newly allocated monies regarding principal, interest, and taxes. 
This coupled with the fact that they were not making payments to the taxes, and not applying the appropriate funds to the correct places. 

By now, we were so very happy that XXXX sold our account but they never applied our last payment they had pulled from the old bank account, kept the funds, and reported to Roundpoint that we were 2 months behind, ( which was an untruth ) This forced us to make payments totaling 3 months ' payments to XXXX to rectify the mistake of XXXX. 

We never got any more refunds or information detailing the payment they had taken.
Product: Mortgage

The initial complaint ID is XXXX. 

From the complaint ID above, I can see in the initial resolution Chase agrees to a payment of {$2500.00}. 

I have been following the process outlined by Chase to call in at the end of the month and manually pay this amount. I called in on XX/XX/22 and paid the agree to amount. As of this morning Chase has also withdrawn {$3000.00} from our checking account because auto payment was re-enabled even after repeated calls. 

As of XX/XX/22, we have paid {$5500.00} in mortgage payments this month from out checking account and Chase has over drawn our account. 

After over one hour on the phone with customer service being bounced from their mortgage section to executive section, I was told the only resolution is to call our bank that holds our checking account, XXXX XXXX, and stop payment. This will incur more fees because of XXXX mistakes. 

Chase has not followed the prior complaint resolution agreement and has caused us to have more hardship and financial issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX a new credit card account was added to my credit profile. Address was added with it that belongs to an ex-girlfriends parents. Account was opened XX/XX/XXXX while we were together. I had no knowledge of this credit card and did not consent to co-sign for it. Account is in dispute with TransUnion and XXXX be calling XXXX XXXX during business hours to notify them. Credit limit on account is {$12000.00} with total use being {$9900.00}
Product: Mortgage

I purchased my home ( condo ) approximately 20 years ago. My originating loan was with XXXX XXXX. Approximately 6 months ago my loan was sold to Rushmore Loan Management Services ( RLMS ). 

I received correspondence from RLMS requesting proof of insurance which I sent proof of the Master and Flood policies. These are the policies that was required in my originating loan and satisfied XXXX XXXX for 20 years with no issues. 

I received my RLMS Mortgage Statement for XXXX and they added {$150.00} to my monthly loan payment for Insurance. I called and they stated that I was required to have H06 coverage. I explained that the condo unit is on the 7th floor of a concrete building. The building is covered in my master insurance policy. I will take responsibility of the inner walls that are also constructed of concrete. I explained that my loan did not originate with them and they should of never purchased the loan if it did not meet their standards. 

RLMS Agent stated that they could not help me or explain how they could change the requirements or terms of my original loan. They said my only recourse was to write a letter to their loan department. 

As of this date I did make ( 1 ) payment with the additional amount until I can resolve issue.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS A COLLECTIONS ON MY CREDIT THAT IS NOT MINE ACCOUNT : XXXX XXXX -NOT MINE
Product: Credit card

This card only used for a balance transfer, never a purchase. To start a late fee was charged XX/XX/XXXX, then reversed when I called on XX/XX/XXXX. The late fee appeared as a " purchase ''. After reversal cents continued to show monthly under " purchase balance subject to interest '', the the {$1.00} late fee was charged. Note, each month the minimum payment of {$25.00} was paid along with another {$25.00} to {$75.00}. 

I called in XXXX I called about this. They thought it should cycle off, but never did. On XX/XX/XXXX I called again, spoke with XXXX who investigated, agreed, and reversed {$4.00} ( 4 months {$1.00} fee and {$.00} monthly interest charge ). 

My XXXX invoice show another {$1.00} fee charged plus now a {$.00} " purchase subject to interest ''. I just can't waste more hours on hold, in a que, talking to another representative about these ridiculous fake charges that make no sense. 

My point is not just the time a irritation with Wells Fargo, but think of the enormousness if this accounting is being done to millions of customersXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
Product: Credit card or prepaid card

XXXX XXXXPayfare cant or wont help!! Last night I tried to transfer money to my XXXX XXXX card. It was about XXXX XXXX. It said bank declined on the first transaction. I kept trying to no avail. Customer service said I had to wait until the morning to call the specialists. I did that and was told my card was locked for 24 hours with nothing they could do. Waited until about XXXX XXXXXXXX and the card still isnt working. Called customer service with the call hanging up 2 times from their end and was on the phone for an hour and a half all to be told again to call back to speak with a specialist in the XXXX Im so upset. My whole paycheck is on this card and it wont work! Now my rent and every other bill will be late because they cant lift the hold or even fix the issue! I spoke with over 6 people tonight! Between calls hanging up and being transferred nothing was done! My money is still just sitting! I tried to make an XXXX purchase and that was also declined. They keep saying I tried to do too many transactions on XXXX XXXX yet it declined on the first try! Ive had another issue with them before with this locked card mess! Im so over it and Im upset. I cant even get gas and Im on E simply because they have somehow locked my card for 2 days now and I cant use my money!! Theres over XXXX in the account and I cant touch it and they keep saying its being escalated. This is the XXXX XXXX pre paid card and I would not recommend at all! Customer Service isnt good at all! After being transferred multiple times the phone hung up twice! Ive never had an experience so bad with a company! Im also going to try to call corporate because this is ridiculous. Called at XXXX XXXX and didnt get off the phone until almost XXXX! Have to be up for work at XXXX, but was waiting on this imaginary 24 hour hold that never lifted at XXXXXXXX XXXX when it should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$2900.00}
Product: Checking or savings account

I have declined overdraft protection on my account.

I have notified the bank verbally, in writing and on the website that I do not authorize overdraft protection on my account.

Chase bank continues to accept charges to my account and charge a ridiculous overdraft fee of {$34.00}.

On XX/XX/XXXX i was charged two {$34.00} insufficient fund fees for transactions in the amount of {$8.00} and {$88.00}.

The bank even put the transactions in such an order that the {$88.00} caused the {$8.00} to also overdraft.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
You are reporting the date of last payment as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) 2. Remove these late payments because I was never 30 days late in XX/XX/XXXX I was only 27 days late XXXX XXXX Account Number : XXXX Please submit onto XXXX  Form and please remove late payments under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

WITH RESPECT TO THOSE THIS MATTER CONCERNS, UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT, YOU ARE CLAIMING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVELY IMPACTED. MOREOVER, YOU CLAIM TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 
UNDER 15 USC 1666B, A CREDITOR CAN NOT LEGALLY REPORT A PAYMENT AS LATE IF THEY HAVE NOT ENSURED THAT THE PERIODIC STATEMENT, CONTAINING THE REQUIRED INFORMATION UNDER SECTION 1637 ( B ), WAS MAILED OR DELIVERED TO THE CONSUMER AT LEAST 21 DAYS BEFORE THE DUE DATE. SINCE THE CREDITOR FAILED TO MEET THIS OBLIGATION, I REQUEST THAT YOU UPDATE THE LATE PAYMENTS ON MY ACCOUNT TO REFLECT POSITIVE, ON-TIME PAYMENTS. 
I WAS ALSO REFUSED CREDIT BY THE LENDERS LISTED BELOW. ADVERSE ACTION AGAINST A CONSUMER IS PROHIBITED BY 15 USC 1691C AND 15 USC 1692K AND IS PUNISHABLE BY CIVIL LIABILITY. THESE BUSINESSES VIOLATED 15 USC 1691 BECAUSE I HAVE PROOF THAT I WAS THE VICTIM OF DISCRIMINATION DUE TO THE REACTION I RECEIVED. MY SOCIAL SECURITY ( MY CREDIT CARD ) WAS USED BUT RECEIVED NOTHING IN RETURN. PLEASE REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CONSUMER REPORT. 
YOU KNOW THAT REPORTING INFORMATION THAT CAN NOT BE INDEPENDENTLY VERIFIED IS ILLEGAL. PLEASE GIVE ME HARD PROOF THAT I AM RESPONSIBLE FOR THOSE ACCOUNTS IN LINE WITH 15 USC 1692G. 
YOU ARE ALSO IN VIOLATION OF 15 USC 1681B BECAUSE I HAVE NEVER GIVEN YOU OR ANY OF THESE COMPANIES FORMAL PERMISSION TO DISCLOSE ANY INFORMATION ON MY CREDIT REPORT. THIS UNJUST AND UNFAIR TREATMENT HAS CAUSED ME XXXX XXXXXXXX AND XXXX 
LET ME REMIND YOU THAT ANY NEGATIVE ACCOUNTS/REMARKS ON MY CREDIT REPORT ARE ILLEGAL UNDER THE FCRA AND FDCPA IF YOU CAN NOT PROVIDE EVIDENCE TO SUPPORT THEM. I NEVER GAVE MY OFFICIAL CONSENT FOR THIS INFORMATION TO BE DISCLOSED. YOU MUST BLOCK AND REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT IF YOU CAN'T GIVE DETAILED DOCUMENTATION ABOUT YOUR VALIDATION, VERIFICATION, AND COMPLIANCE PROCEDURES.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX5 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report from XXXX and it showed a closed/ charged off credit card account from Bank of America that isnt mine. Ive never had a credit card with this company. I called Bank of America and confirmed that I do not have nor have ever had any accounts with them. They asked for my name, date of birth and social security number and still could not find any information on said closed/ charged off account. I politely asked if there was any letter they can provide as proof that I didnt have a delinquent account with them and was told no because we cant give you a letter to verify an account that doesnt and never existed. Im stuck Im with an account on my credit report that isnt mine and Bank of America will not give me a letter so that I can dispute it. XXXX will not remove said account and I dont know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the Equifax breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place for.
Product: Credit card

I signed a contract on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX ) who represented himself as a businessman capable of building an XXXX storefront with the purpose of generating passive income via buying and reselling merchandise. He had been recommended to me by an individual ( XXXX XXXX XXXX ) who charged me a sum of money to open several credit card accounts with the purpose of funding the construction and purchase of goods. They charged me a sum total of {$35000.00} on XXXX different credit cards and stated the store would pay for itself in less than 12 months with monthly deposits of a XX/XX/XXXX profit split. After the above I was instructed to communicate solely via a XXXXXXXX XXXX XXXX XXXX XXXX  and no longer phone or text. After several communications over a month to XXXX weeks, there was almost no communication from them, I started to ask for updates, with no response. At approximately 3 months in I was getting extremely anxious and asked for information, at which point I was told they were working on it and no need for me to contact them. After a few back and forth communications over the next XXXX months, I realized that I was not getting through to them and had nothing yet to show for my time or money. At this time I resumed calling, texting, and left some pointed messages with XXXX. He finally returned my call in XXXX at which time I stated that I saw no evidence of accomplishing what I had expected. He could come up with no credible reason for the lack of achievement, and I told him in response that I was not interested in pursuing this further and desired my money returned to me. Since that time I have called, texted, written letters and communicated via the XXXX XXXX more times than I can count, to no avail. XXXX of the selling points in all of this was low or XXXX % interest on new credit cards which would allow time for profits to erase debt. That option had already been squandered. I can only guess that I was part of a scam or an extremely poor operation which has left me debt ridden and from which I never received any benefit whatsoever.