23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

ON OR AROUND XX/XX/year> I ORDERED A BEDROOM SET FROM XXXX XXXX XXXX XXXX LOCATED XXXX XXXX XXXX XXXX XXXX XXXX IN THE TOTAL OF ALMOST {$8000.00}. I ORDERED A FOAM PILLOW TOP MATTRESS WITH THE BEDROOM SET I WAS TOLD BY THE FURNITURE STORE AGENT THAT I WOULD RECEIVE MY BEDROOM SET IN THREE WEEKS TIME ON OR AROUND XXXX XX/XX/year> TWO DAYS LATER AFTER I PLACED THE ORDER I CAME HOME AND SAW TWO SMALL BOXES ON MY PORCH I CALLED THE STORE TO FIND OUT IF THEY MADE A DELIVERY THEY TOLD ME YES I ASKED WHAT WAS IN THE BOXES THEY INFORMED ME IT WAS THE MATTRESS AND THE BACK SPRING SUPPORT WHEN I OPENED THE BOX I SAW A COIL SPRING MATTRESS BUT I ORDERED A FOAM PILLOW TOP MATTRESS I RELAY THAT INFORMATION TO THE STORE AGENT HE TOLD ME IT WAS ALMOST CLOSING TIME AND I SHOULD CALL BACK ON MONDAY WHEN I CALLED ON MONDAY EXPLAINING TO THE AGENT THAT THE MATTRESS THEY DELIVERED WAS NOT WHAT I ORDERED I EVEN TOOK A SCREEN SHOT OF THE MATTRESS I ORDERED ON THEIR WEBSITE AND SENT IT TO HIM HE BLATANTLY TOLD ME THEY ARE NOT GOING TO CHANGE THE MATTRESS I THEN TOLD THE AGENT TO SEND THE DELIVERY COMPANY TO PICK UP THE TWO PIECES AND HE SHOULD CANCEL MY ORDER I IMMEDIATELY CALLED MY CREDIT CARD COMPANY AND INFORMED THEM OF THE SITUATION AND TOLD NOT TO PAY THIS MERCHANT BECAUSE I CANCELED THE ORDER NUMEROUS TIMES SIX MONTHS LATER I WAS STILL TRYING TO DISPUTE THE CHARGES WITH CAPITAL ONE CREDIT CARD COMPANY BUT THEY REFUSE TO REMOVE THE CHARGES FROM MY CREDIT CARD ON XX/XX/year> I CALLED CAPITAL ONE AND ASKED TO SPEAK WITH A SUPERVISOR AND EXPLAINED TO HER WHAT TRANSPIRED BETWEEN MYSELF AND THE FURNITURE COMPANY SHE CALLED THE STORE AND WE HAD A CONFERENCE CALL THE PERSON AT THE FURNITURE STORE ADMITTED TO THE CAPITAL ONE SUPERVISOR THAT THEY DID NOT DELIVER THE FURNITURES BUT STILL CAPITAL ONE REFUSE TO REMOVE THE CHARGES NOW MY CREDIT CARD BALANCE HAS BALOONED TO ALMOST {$12000.00} THIS IS HIGHWAY ROBBERY I LATER DID SOME RESEARCH ON THE FURNITURE COMPANY AND THERE ARE COUNTLESS COURT CASES AGAINST THEM BY CONSUMERS.
Product: Mortgage

I have a XXXX XXXX loan issued in XXXX. I requested a COVID forbearance allowed under the federal CARES Act. The forbearance was granted by the prior mortgage servicer who recognized the account as a federally backed loan and subject to the CARES Act. However, when the mortgage was transferred to a new mortgage servicer in XX/XX/XXXX the new servicer denied further forbearance stating the account was not a federally backed loan and not allowed CARES Act considerations. I repeatedly contacted the servicer in attempts to get them to manage my account as a federally backed mortgage. Finally, because of a dispute filed with the company 's dispute center, I received a response on XX/XX/XXXX that included information the account was being serviced as a Government Sponsored Enterprise ( GSE ) loan. However, the mortgage servicer had already ILLEGALLY begun foreclosure procedures on XX/XX/XXXX still denying the CARES Act protections and has charged my account for expenses related to the illegal foreclosure proceedings.. Yet, the mortgage servicer still has not acknowledged the error in it's managing my account nor removed my account from foreclosure status and refuses to remove the associated expenses charges from my account per a dispute center response from the company on XX/XX/XXXX. After several more attempts in XX/XX/XXXX with the relationship manager assigned to my account the mortgage servicer finally offered a loan modification option but continues to deny the CARES Act option of deferral of the forbearance amount. Per CFPB guidance and federal legislation a deferral is intended for those who can resume the established mortgage loan payment while a loan modification is intended for those who need a payment reduction. I've stated that I can resume the established payment. The loan modification offered by the mortgage servicer actually INCREASES my mortgage payment. The mortgage servicer is using the threat of foreclosure to force me into accepting illegal options and illegal expenses. I want the mortgage servicer to 1 ) place my forbearance amounts into a deferral to be paid at loan ending, 2 ) remove my account from foreclosure status, 3 ) remove all expenses associated with foreclosure proceedings including advances, home inspections, attorney fees, etc. and 4 ) bring my account current so that I may resume making the established monthly payment.
Product: Debt collection

I was informed by my lender that this debt was on my credit report. I called the company Phoenix Financial Services LLC XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX. XXXX XXXX said it was a medical bill from XX/XX/XXXX. He rattled off a medical procedure name which I have not had and could not produce documentation for the original debt and told me it would take months to get it. He kept trying to get me to say the debt was mine and I wouldn't. I keep getting tons of unknown calls which I believe to be from this company and they don't identify themselves with caller id or leave a message. I have filed a report with XXXX and with XXXX because I believe this is fraud. I have paid off all my debt as of XXXX through XXXX XXXX XXXX and do not believe this to be a valid debt. These companies need to stopped from these strong arm tactics of trying to get people to pay bills they don't owe. I have paid all medical and hospital bills for which I have been billed either through personal check or via my federal XXXX XXXX XXXX XXXX XXXX plan. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceXXXX Alert DateXXXX Balance Amount {$37.00} Is CollectionYES Open DateXX/XX/XXXX Payment StatusUNPAID ( D ) Status DateXXXX NamePHOENIX FINANCIAL SERVICES LLC Street AddressXXXX XXXX XXXX XXXX XXXX CityXX/XX/XXXX StateIN ZipXXXX
Product: Mortgage

Please review attached underwriting disclosure for my home property XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. No escrow/financing is available to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : My payments were made on time, but due to a clerical error by the creditor, the payments were incorrectly recorded as late. The payment confirmations from my bank show that the payments were cleared well before the due dates. I have enclosed copies of these confirmations for your reference. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

We overpaid our credit card by {$20000.00} to capital one and have requested reimbursement for the overpayment on two separate occasions, starting 4 weeks ago. Each time we have been guaranteed that we would be issued a check for the overpaid credit balance within two weeks of request. We are now going on the third request for those funds to be repaid to us. According to the truth in lending act, it is my understanding that a credit card must issue a refund for overpayment of credit card within 7 days of the initial request. We are now on at least day 28 and refund has not been issued. Tonight was my third time of trying to resolve this issue and the process has started all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed XXXX XXXXXXXX and XXXX accounts several times but they simply refuse to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX. And I've sent every piece of proof that all these credit reporting agenciescould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 


Account Name : XXXX XXXXXXXX Account XXXX. XXXX Balance : {$170.00} - I have disputed this on XX/XX/XXXX, but I still see the date of last payment reporting inconsistently. Equifax is reporting XX/XX/XXXX, while XXXX and XXXX are reporting XX/XX/XXXX. 


Account Name : XXXX Account No. XXXX Balance : {$0.00} - The high balance is still reporting inconsistently. I have disputed this account on XX/XX/XXXX for the reason that the date of last activity is reporting XX/XX/XXXX in XXXX, and XX/XX/XXXX in XXXX
Product: Mortgage

I have been trying to refinance with AmeriSave mortgage company and they have been awful about communication. I haven't heard back in three weeks. I've sent multiple emails and left voicemails both with my loan officer and with the customer support email/phone line. I am extremely frustrated, want to rescind my application, and want a refund.
Product: Debt collection

Caine & Weiner sent me letters about an alleged debt that i owe them. They are reporting to the major credit bureaus that i owe this debt to them although they have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. I have requested three times by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$300.00}. I have never had an account with XXXX. Caine & Weiner states that I had an account in the past with XXXX but they have not provided any proof showing my signature on any documentation that this account is mine. I have sent them three Certified dispute letters requesting documents with my signature where i signed for this alleged debt. They have not validated/verified this account, they should not report and they need to remove the account from my credit reports. They have not provided any documentation SIGNED BY ME that supports this debt is mine. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. I DO NOT OWE ANY MONEY TO Caine & Weiner or anyone regarding this debt. Caine & Weiner is illegally trying to collect and reporting this account to the credit report. I have also contacted an attorney to sue for damages.
Product: Credit reporting or other personal consumer reports

To Whom it Concern I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX I expect these accounts to be removed within the time frame specified by law, not later than XXXX business days after the date of your receipt of this letter.
Product: Checking or savings account

I don't remember the dates but I was charged twice on my account that I hadn't used. It was closed. I believe this was a couple years ago. And in the 2002 a teller took {$300.00} of mine in front of me and told me that I didn't have any money in my account. This was at the Wells Fargo by the XXXX.
Product: Debt collection

I sent a letter explaining that my cell phone bill was paid in full. The final bill was {$170.00} which was paid and proof provided to the company. I received another letter requesting for demand for payment of bill. This was created after my account was closed and paid in full. This is the second company trying to collect on a closed account. I provided the first company the same bill and bank information showing the account was paid in full. this company sent a bill i never receive and was created after a had already receive and paid my final bill eve before i receive notice from Sunrise credit services inc i was receiving demand for payment they call XXXX years old mother in law being rude and UN professionaXXXX NOW I RECEIVE A LETTER FOR DEMAND FOR PAYMENT FROM XXXX XXXX XXXX NOTE MY ACCOUNT WAS CLOSED IN XX/XX/XXXX AND THE BILL IN QUESTION IS FOR SERVICE PROVIDE IN XX/XX/XXXX WHICH MY ACCOUNT WAS CLOSED WITH NO PAST DUE AMOUNT DUE NOTED IN THE LETTER FROM XXXX XXXX XXXX WHICH I PROVIDE A COPY
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions
Product: Debt collection

I'm a victim of identity theft. Someone had used my personal information to receive service at XXXX XXXX XXXX XXXX. I did not, authorize, approve, or use the services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT WITHIN 4 BUSINESS DAYS. XXXX. XXXX XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX XXXX {$6600.00}, XXXX XXXX BANK XXXX {$200.00} XXXX. XXXX XXXX {$720.00}. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX TERRACE XXXX XXXX XXXX, IL XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED XXXX. MUTUAL CR XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2017 I returned a leased XXXX Prius and purchased a XXXX Toyota Rav 4 from Toyota Financial via the XXXX XXXX Toyota Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed Toyota Financial {$580.00} for " excessive wear and tear '' on the Prius. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the Rav 4, the salesman at XXXX XXXX Toyota, XXXX XXXX, removed the floor mats and took them out of the Prius. Charging me for these is unfair given that I returned the Prius with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by XXXX. I have a current car loan with Toyota Financial and have electronic notifications activated on my online account through which I paid my Prius and pay my Rav4 car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, XXXX is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. Toyota Financial has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with Toyota Financial before being sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this CFPB Complaint to follow up on the recent Complaint I submitted. The latter is disputing the fraudulent items that were listed on my credit report. Upon receiving a copy of my credit report, I was appalled to discover several accounts that I did not open and have no knowledge of : 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 Unpaid Balance {$0.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX  XXXX. XXXX Unpaid Balance {$0.00} EQUIFAX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXI wish to assert that I did not authorize anyone to open these accounts on my behalf. Given the circumstances, I believe this is an identity theft case, and I have already taken necessary measures to report this issue to the authorities. Thus, I implore you to conduct an immediate investigation into these fraudulent accounts and remove them from my credit report as soon as possible. I am well aware of the Fair Credit Reporting Act 's requirement to conduct a reasonable investigation into any disputes. Therefore, I am confident that upon investigation, you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Checking or savings account

On XX/XX/XXXX. 2024, Google incorrectly debit {$120.00}. To date I have a credit on the Google XXXX account of {$240.00}, that Google said they would refund me and has not until this date. I want this money back on to the form of payment that I have on file. Nothing more. Attached are the discussions I had with Google related to the matter.
Product: Debt collection

This account was last active XX/XX/XXXX XXXX  an XXXX already removed these accounts. But Experian saying the account was open XXXX. I am asking can you remove these accounts from Experian report
Product: Credit card

I received a a letter on XXXX/XXXX/2016 advising that my " XXXX '' account was being cancelled and I had the ability to re-new. The envelope and memo were non-descript so I was not aware what this service was really about. I thought this was a phishing scam. 

I called on XXXX/XXXX/16 and was advised that Citibank had signed me up for this service since I had done business with them in the past. It seems this service is a credit monitoring service (??? ). The agent cancelled my subscription and was helpful but was not able to provide any contact info for Citibank. I have NOT had a Citibank account for years nor received any notice I was being signed up for this service OR what access to my records they were actually monitoring. 

I 'd like to understand why Citibank was allowed to do this without my permission and what personal information does this company have access to. 

Their contact info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquires on my account that i didnt initiate or approve. 
usc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX