23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used my XXXX XXXX to purchase two duvet covers through the XXXX XXXX program and returned them in new condition, adhering to their return policy for XXXX merchants. While XXXX promptly refunded one cover, they refused to refund the other, claiming it was worn, despite it being returned in new condition. XXXX provided no evidence or clarification about their '' 'worn '' claim, and they falsely blamed the XXXX XXXX partner for the decision. 

In addition to this, XXXX declined refunds for XXXX other returns, each time offering different but incorrect explanations. Despite these issues, I continued to place new orders on their website, which were successfully delivered on XX/XX/XXXX and XXXX. 

As XXXX failed to respond to my attempts to resolve the issue, I filed disputes for all XXXX transactions with XXXX XXXX around XXXX XXXX. I submitted documentation, including tracking numbers confirming delivery, and provided photographic evidence for the new condition of the " worn '' duvet cover, along with a email from the XXXX merchant to XXXX requesting that I be refunded. 

The dispute process was frustrating. I encountered difficulty even filing a dispute, being sent around in circles for days. After it was filed, I received contradictory letters about the disputes, some stating that the all the disputes had been closed, while others claimed they were still being pursued. After filing a complaint with the Better Business Bureau, XXXX eventually refunded XXXX items but remained uncooperative regarding the " worn '' item. After multiple follow-up calls to XXXX, they agreed to issue a refund, making me financially whole. 

After initiating the disputes, my XXXX account ceased functioning properly. This is very troublesome as a XXXX adult who struggles to shop in the store. After the dispute, I could place orders on XX/XX/XXXX and XX/XX/XXXX, but both were cancelled hours later. I want to emphasize that this issue did not arise due to the amount of returns, as my account worked fine before I opened the RedCard disputes, as I was able to place orders on XX/XX/XXXX and XX/XX/XXXX. Both XXXX customer service and XXXX customer service confirmed that my account was locked due to the disputes filed on XX/XX/XXXX, citing " irregularities that could not be resolved. '' They explicitly stated that XXXX XXXX is managed by XXXX and only " powered '' by TD Bank. Locking my account solely due to the disputes, despite eventually agreeing that I was owed a refund in all XXXX disputes, appears to be retaliatory and XXXX potentially violate the Fair Credit Reporting Acts rules against retaliation stating the issuer " may not close or restrict your account ( though it can apply the disputed amount against your credit limit ) '' and " cant discriminate against you if, in good faith, you exercised your rights under the law to dispute a bill. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a rebuttal to the previous complaint. 

There must be a mis-understanding. 

It was me and no third party that had these companies removed. 

Your response has nothing to do with my complaint and your response is a example of what i am talking about. 

The reason why you no longer see the companies during your investigation is because I challenged the debt and they was unable to prove debt so they was removed. 

Your company should be held liable for accepting invalidated reports. 

I have all the documents I used to have the debt Collectors removed from my credit report and are available upon request. 

Companies that i have removed myself from credit reporting agency. 
1 ) XXXX XXXX court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 )  XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX 
9 ) XXXX and XXXX XXXX, XXXX. 
10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX 2023 a charge was made in XXXX, PA for {$9.00} on my Direct Express debit card and on XXXX XXXX 2023 another charge was made in XXXX, PA for {$150.00}. I live in California and no one other than myself had access to my card or account.. Both these charges were not made by me nor did I approve them. They were both fraudulent charges. I tried numerous times to explain to Direct Express that the charges were fraudulent and not made by me and I demanded my money back. After numerous attempts they got back to me and said they will not reimburse the funds. They also charged me {$17.00} twice for a new debit card and express mailing fees. I feel that is not right, I am on Social Security and its a very limited income. I would appreciate if you could look into this matter for me. 
Thank you Service Request # XXXX
Product: Credit card

I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. 
I closed this account on XXXX day after this fee appeared in the monthly statement. 
Customer service refused to refund the annual fee either in full or pro-rated.
Product: Student loan

I have made two payments to my student loans and none of them have been posted on my account. One payment was made on XX/XX/2017 and the other one was made on XX/XX/2017. This is not the first time I have issues with the lender not posting accurate information on my account having to call them so that they give me a reasonable explanation and a promise that they would take care of the problem. They have excluded a payment from my account once and made me go to my bank to ask for a letter as a prove of the bank transaction with them because they could not track my payment in the system. Therefore, this seems to be an ongoing problem with them.
Product: Consumer Loan

On XXXX/XXXX/XXXX, I purchased a used XXXX XXXX, from XXXX XXXX. The total price was {$32000.00}. Wells Fargo Bank picked up the loan for XXXX payments of {$670.00}. It was later switched to Wells Fargo Dealer Services. I have made XXXX payments for a total in excess of {$49000.00}, all the while receiving XXXX upon XXXX of harassing phone calls at all hours of the day, to every number I 've provided to Wells Fargo. I am charged at least an extra {$10.00} processing fee, for every payment. When I called today, to schedule the last payment, for Thursday XXXX XXXX, I was told that if I did n't make the payment by tomorrow, XXXX/XXXX/XXXX, I would have to surrender the vehicle. I do not get paid until the XXXX.
Product: Credit reporting or other personal consumer reports

Deletion of XXXX XXXX NA account ASAP I lost my job during the XXXX crisis.thats why i couldn't afford to make the payments. Once I got a job I settled the debt on XX/XX/year>. TransUnion I fill that your company is holding this account over my head so that I don't obtain a mortgage loan. If this account isn't deleted next course of action is a Lawsuit.
Product: Mortgage

EVERYTHING WAS GOING SMOOTHLY when I applied for a home loan through AmeriSave. The loan officer XXXX XXXX said that we qualify for X amount of loan and that FHA only looks at one year of income. So, we send our two years of tax returns and every document they asked us ( e.g., three months of bank statement, profit and loss, transaction history, etc. ). He stated that the " underwriters '' have examined our case and approved your loan. So, he sent us the preapproval and told us to shop for a house. 

After multiple attempts, we got lucky, found a house, and made a bid with a large amount of appraisal waiver and X amount of non-refundable earnest money. The seller accepted our offer ( although he had other offers with conventional loans ). We went under contract and started signing several documents. We paid the earnest money right away scheduled an inspection ( out of pocket ) and FHA appraisal. We informed our landlord and paid a fee to cancel the lease agreement, and the landlord started to look for other tenants. We told everyone the good news and started packing. Not to forget to mention that the FHA appraisal report required the deck to be repaired by the seller, and the seller magnanimously agreed to fix it immediately since he was also planning to move in less than two weeks. 

Then came THE PHONE CALL from our loan officer two weeks before the closing date. It was like a collision coming from nowhere. He mentioned that the " underwriters '' are saying that XXXX income is low and needs a co-signer. I was not sure how to respond. He specifically mentioned through a text message that we are only looking at XXXX income, which is why you are qualified for X amount of loan. Now, he is saying that FHA guidelines are to look for two years of income. I have included the text message to show that we were given false information and are not being unfair. Why wait until two weeks prior to closing to tell us that we need a co-signer? How did the FHA guidelines change within two weeks from 1-year income to two-year income? 

My wife and I are devastated. I am not sure who to blame but have decided to blame myself for trusting the loan officer ( XXXX XXXX XXXX and the underwriters ' work and judgment. We feel that AmeriSave has robbed us of our time, energy, and joy. We believe that we have been misled and given false hope and information. We are not the only ones suffering here. The seller and his family, both real estate agents, my family are all under emotional turbulence. Now, we have to beg people to co-sign for us or plead with the landlord to reconsider our lease, or we are homeless. What would you do in this scenario? What did we do wrong?
Product: Debt collection

we have been contacted by hunter warfield collection agency approximately 5 times. each time we requested paperwork sent through the mail for official verification. each time I provided my address and each time I was told that I would receive it within 7-10 days. I have never received anything. the last time they called me they were extremely rude and disrespectful. they argued with me and said they sent it when they never did. we told them we had no problem paying them as long as we received something official in the mail. they argued, their supervisor argued and then they hung up in my face.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXXXX/XX/year> Caine and Weiner Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.
Product: Mortgage

I would like to thank XXXX XXXX for her XXXX  response to my complaint. I guess that taking 19 months to resolve a matter is fine with Bayview however were is the offer of monetary damages that they have caused me health problems and other stress. I guess after filing a complaint on Consumer Affairs and getting opinions from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX I guess rather than addressing that problem they want to go to court and lose millions which they will do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit card or prepaid card

On XX/XX/XXXX I visited XXXX XXXX  ( XXXX XXXX XXXX XXXX # XXXX, XXXX, Florida / Phone : XXXX ) where I received services and paid the amount of {$58.00} ( see attached receipt ). On XX/XX/XXXX the mentioned merchant charges XXXX without my consent and authorization, I called them and they said they " realized '' they forgot to charge the correct price at the moment. This is a total fraud!
Product: Mortgage

In XX/XX/2023, I was given a trial modification. I made ALL of my payments thru XX/XX/2023, which in XXXX they did not want to accept any more payments. 

Upon investigation, I was told that they sent me a permanent modification to me in XX/XX/2023. I never received this package and was not able to sign it. They resubmitted this and I signed and sent it back in XX/XX/2023. 

My house is listed for sale at the end of XXXX. I need to have a PERMANENT LOAN MODIFICATION for my property. 

Please help me Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

-XXXX County Clerk - Falsely reporting to my credit report {$10000.00} as a Federal Tax Lien from XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

-XXXX County Clerk - Falsely Reporting to my credit report {$14000.00} as a Federal Tax Lien from XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

-XXXX County Clerk XXXX Falsely Reporting {$26000.00} to my credit report as a Federal Tax Lien from XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

-XXXX XXXX XXXX/XXXX - Falsely Reporting to  my credit report {$460.00} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

-XXXX XXXX -Falsely reporting {$2300.00} Collection. Requesting that this be removed from my credit. This account does not belong to me. 

-XXXX XXXX XXXX XXXX XXXX Falsely Reporting {$390.00}. Requesting this be removed from my credit report. 

-XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX Falsely Reporting {$3900.00} to my credit report. I am requesting that this be removed immediately.
Product: Checking or savings account

I was supposed to get a payment of {$600.00} from XXXX XXXX, a XXXX XXXX XXXX   program with Social Security XXXX, which I am currently on since XXXX, within 7 -   10 days from XX/XX/XXXX ( see emails ). Therefore, I scheduled payments, which included my car payment for {$440.00} on XX/XX/XXXX, a credit card payment of {$64.00} on XX/XX/XXXX and another credit card payment of {$54.00} for XX/XX/XXXX relying on the fact that the {$600.00} payment would have already been posted to my account. The other charges for {$5.00} and {$6.00}, in which I got insufficient funds fees for when, in fact charged in error, because I signed up for a 30 day free trial with XXXX XXXX XXXX through XXXX XXXX  and I am now working with XXXX  to get those charges credited. I am emailing XXXX and communicating with XXXX as of XX/XX/XXXX in customer service to have those charges reversed. So far, the total amount of insufficient funds fees is {$170.00}, but I still have 4 charges pending and I am not sure if those will incur insufficient funds fees as well. So if they do, I would like those credited as well for a total amount of {$300.00} in insufficient fees funds. The XXXX charge for {$28.00} is a ghost card charge for an order I canceled with XXXX  and will be refunded in 5 - 7 business days. Again, the other 3 charges, XXXX  for {$7.00}, XXXX for {$31.00} and XXXX XXXX for {$40.00} were charges anticipated with the {$600.00} payment being deposited within the 7 - 10 day time frame of XX/XX/XXXX as stated in the email provided. The reasons I did not try to go through Chase Bank or Customer Service by phone is because of the pandemic. It states on the Chase Bank app that because of the COVID-19, there will be extremely long wait times if you call us and I work from 9-5pm M-F and I am in training and on the phone most of the day as well as they can  only take off two insufficient funds fees every year. The reason I did not go into a branch location is that there is no bankers to talk to. So, basically this is my only option to get this issue resolved during the pandemic. I also signed a petition that JPMorgan Chase should waive all insufficient funds fees during the pandemic, which I think applies to my case. Thank you!
Product: Debt collection

In XXXX of 2020 I was XXXX  for 26 days. I hade XXXX XXXX XXXX XXXX XXXX XXXX within a matter of 2 weeks. I applied for XXXX and it was approved for XX/XX/XXXX of 2020. But for the 2 weeks of XXXX I was not covered. Now on my Credit Report, from Progressive Management System, there is a collection debt of {$310000.00}. There is also another collection for {$1600.00}. There is one from XXXX XXXX XXXX for {$810.00}. These are all on my credit report. I have tried to get help from XXXX XXXX XXXX applying for Retroactive assistance, but no answer yet. I have read about applying for 15 USC 1681 A3. Is this something that will help?
Product: Debt collection

I was a victim of identify in XXXX Someone has been using my information for credit, unemployment benefits and tax purposes. This collection company shows up on my credit report and When I called to dispute because it does not belong to me, they indicated to write to you and once the report was generated to send to them. they claim that this is a utility company where services was given to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX. 
The information for this account matched my social name and date of birth. I have never lived in the XXXX XXXX XXXX I have been living at my current address in XXXX for the past 18 years and I have no recollection of whom would use my information. I need this removed from my credit bureau, as it is affecting me to obtain a mortgage.
Product: Mortgage

My name is XXXX XXXX. I am writing to you because of the dilemma I seem to have with getting my mortgage adjusted to compare with other upstanding and/or low standing citizens of this country. 
I am a XXXX yr. old self employed, divorced man that refinanced my primary residence ( thru BB & T ) in order to pay off my XXXX wife 9 yrs ago. 
The fixed rate on my mortgage was set at 6.35 %. I have attempted many times to refinance this mortgage. But, due to guidelines set after the meltdown in 2008, no one has offered to refinance my mortgage because I 'm self employed and do n't show a good enough income on my tax returns. 
I have held many mortgages in my lifetime and they were always in good standing.I own collateral real estate that should easily back me up on my existing mortgage. I 've been self employed in the XXXX XXXX XXXX for over 32 yrs. 
Other than the fact that the I.R.S. allows the self employed individual, that runs a service business, to write off many business expenses, I am better qualified than most refinance applicants. 
So, as far as I see it, this is blatant discrimination against XXXX ' hard working, honest, self employed individuals. Who knows where this might go, but I have no other choice, but to stop paying my mortgage to get some attention. 
I am a master electrician, plumber, mechanical tech and appliance tech. I pay my bills and take care of my responsibilities. 
Recently I have had some challenges that have influenced my decision to pursue serious negotiations with BB & T, i.e., XXXX and a XXXX, XXXX, XXXX XXXX XXXX, XXXX, moved my Mother into my home, basement flooded, XXXX. composite and tile deck disintegrated, Concrete patio and driveway are broke into many pieces, Heat pump needs to be replaced, XXXX roof needs replaced, My business truck XXXX was totaled, etc. 
The main objective here, is to lower my interest rate to 3 % or less, and switch to a 15 yr fixed mortgage and start all over with NO penalties, NO past due interest, No past due premium, No FEES!!! 
BB & T has taken tens of thousands of dollars from me over the years in interest and its time for a fair and reasonable business relationship or none at all. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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 XXXX 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 an 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.