23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I made a purchase from XXXX using Affirm 's service, for a XXXX XXXX XXXX XXXX XXXX. On the shipping page I verified my billing and shipping addresses were correct, and finished processing the order. 

On XX/XX/XXXX, the item shipped. Once I had time to check the notification, I noticed it had shipped to wrong person half way across the country. 

I contacted XXXX support via phone and notified them of the error. I was told that I had to wait until after the item was delivered to make a claim. It was delivered to the incorrect address on XX/XX/XXXX. I immediately called XXXX to try and get a refund or the item shipped to the correct address. 

They referred me to the seller, XXXX XXXX, and opened a ticket with them on my behalf. I did not receive a response from XXXX XXXX until XX/XX/XXXX, stating that XXXX should open a dispute with XXXX. When responding to the ticket, I received a response telling me that I was not authorized to reply. 

I contacted XXXX via phone to relay that information. I was told they would not dispute with XXXX and I needed to contact Affirm to get the loan canceled. It took XXXX phone calls and manually opening a dispute to get them to talk to me on XX/XX/XXXX. 

I was asked to provide supporting evidence of me not receiving the item. I provided all information that was asked for, however I could provide no chat logs from XXXX being all communication was over the phone. Each time Affirm responded to me, the ticket was closed and I had to reach out via phone to get them to reopen the ticket. 

As of today, XX/XX/XXXX, Affirm has denied my claim, XXXX refuses to refund/reship, and I do not have the product that I ordered.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC, an elaborate mechanism, admitted to allowing seven people to steal my personal information from them. After their investigation, TransUnion LLC deleted seven inquires from my credit report or credit file that was in connection with the seven people whom TranUnion LLC allowed to steal my personal information. TransUnion LLC and the seven people who stole my personal information was able to benefit financially from exploiting my personal information and I did not receive any benefit at ALL. That is not fair and it is Discrimination. TransUnion LLC is criminally and civilly liable required by law to pay me for violating me as a consumer. TransUnion LLC is stalling for more time but It is time for them to pay. CFPB and TransUnion LLC, see EXHIBT A as proof of TransUnion LLC stalling to pay me when they know they are required to. RUN ( PAY ) ME MY REMEDY ( MONEY ) TransUnion LLC!
Product: Credit reporting

In years past I had an account with Bloomingdales who was serviced by DEPARTMENT STORES NATIONAL BANK. I moved a few years back and in moving lost the debit card that my auto-pay account was linked to and having a new address, I never received a bill. I spoke to a representative from DSNB at XX/XX/2017 and explained the situation. In 5 years of having an account with Bloomingdales, I never fell behind until the move. During the conversation with the representative, she recommended that I write a letter to Bloomingdales Billing Dispute department explaining what happened and to ask for forgiveness and removal from my credit report altogether. I did in fact send the fax to XXXX on XX/XX/2017 at XXXX EST. 

I followed up with a call to XXXX on XX/XX/2017 at XXXX EST to verify receipt of the fax/request. I was told, yes, the fax/request was in fact received and upon further review, DSNB/Bloomingdales was going to honor my request and submit a complete removal from the XXXX credit reporting agencies. I then asked for an updated mailing address for the letter of removal because the address on file was my previous XXXX address. 

I received an alert via XXXX that the account was updated but the balance was reduced giving the impression the account remained open but now having a balance. In discovering I fell in default by checking my credit report at XX/XX/XXXX due to a credit card application being declined, I reached out to the agency handling my account and paid the settlement amount. 

I 've yet to receive the letter of removal that I was told to expect ( reason for the updated mailing address on XX/XX/XXXX ) and am confused as to why I 'm now being told that after being promised removal by DSNB, I 'm being told by Citi that it will show as a settled account. There is in fact history of my calls and showing the dates I 've stated and I 'm well aware that the calls are in fact recorded so there should be proof of the conversation and fax receipts. 

Attached below is the original fax that was sent on XX/XX/XXXX to further validate my request and need for communcations.
Product: Credit reporting

I have a XXXX in state of California with my dad. We opened the company back in XX/XX/XXXX and had some employees at the time. So we fell behind with payment for Employment Development department ( EDD ). So in XX/XX/XXXX and XX/XX/XXXX they put few liens on the accounts. Since then we resolve all the past due balance with EDD and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I would like to complain about the debt collection from the agency Midland Credit Management. I was a cosigner for a former friend, who had a XXXX. She opened up an account to make payments on a credit on XX/XX/XXXX with the company, XXXX XXXX, but needed a cosigner just in case the payments were not met. She made it seem like she was responsible enough to make them, so I said yes.I was not aware of the documents and the requirements to be one, and she knew of this and took advantage of the situation and filled out my information. I was not aware she was supposed to hand me documents and she forged my signature. Saying yes to be a cosigner were just words, but it being signed and dated by the actual person or to have it in writing by my permission of course are two different things. What if I had changed my mind? I was young and was only saying it to be a good friend. I was not aware she topped making payments until the debt collection company, XXXX XXXX & XXXX XXXX contacted me in XX/XX/XXXX after she stopped making payments.The debt collectors turned to me and my information and started asking me for payments onXX/XX/XXXX for about {$9800.00}. I have called and spoken to people from Midland Credit and XXXX XXXX. I told them I did not sign any documents pertaining to the documents needed to sign for a cosigner and even disputed the account in XX/XX/XXXX, but it seems like they can not do anything to remove my name and my information from being a cosigner. I reached out to Credit people from XXXX  in XX/XX/XXXX, to explain the situation and they refused to give me any information on the account, even though I am the supposed cosigner, but because I am not the primary account holder, which would be my former friend in debt. They have been sending my letters in the mail with her name on it, asking for {$7500.00} and have called me on several occasions. Also, I do not know the company 's location where she got her XXXX, because they have refused to give me that information as well. Thank you for your time
Product: Student loan

I have an FFEL Master Promissory Notes ( student loan ) with College Foundation of North Carolina. I am trying to determine if they can validate that I approved of, or provided authorization of loan dispersements in XXXX, XXXX, and XXXX. Thus far they have communicated that disclosures were sent to me at the address I had on file at that time. 

I am only trying to determine if CFI can validate that I signed any of the following : 1. Electronic Funds Authorization, 2. Master Check Authorization, 3. Loan Check, in connection with my Master Promissory note. 

I need to know if I signed any of the documents listed, or if they can validate that I have done so by providing a copy of said documents with my signature.
Product: Mortgage

My Complaintwith Regions Bank, I 've been working with Regions Bank since XX/XX/XXXX on getting approved for a loan on a townhome property, this property is a short sale which means we had to wait for an approved contract. In XX/XX/XXXX my loan was approved by Regions Bank & sent to the closing attorney office for a closing. Regions Bank was well aware that this was a townhome, however we did n't close because the house contract expired due to Regions Bank appraisal delay. 
Why did Regions bank allow me to get a new contract on the townhouse and allowed my loan file to stay in the pipeline with Regions Bank from XX/XX/XXXX through XX/XX/XXXX until we received another contract from sellers bank on XX/XX/XXXX? This new contract was sent from the attorneys office to Regions bank 8-10 days ago at that point the loan file was being processed again. Once again Regions bank is well aware that this is a townhome. Today on XXXX XXXX XXXX., I was told my loan is approved than all of a sudden late afternoon almost the close of business I 'm told we have a problem FHA is saying its a condo. This distressing message is relayed to me by my loan specialist and not a manager who at this point should be on the phone calling me, the customer to explain how any of this can happen. How can a professional, financial institution have not known for five months and also how is it possible that I had and approved loan ready to close from Regions Bank to attorneys office in XX/XX/XXXX with no problems! 
Is there is an underlining issue? The loan is only ( {$49000.00} ). Is the issue that I am XXXX? Is it because I am a woman? or Is it because I am a minority woman? 
Please investigate the protocol on this home loan process with Regions Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached items are reporting on my credit report illegally as they do not belong to me. I have submitted previous forms indicating that such accounts do not belong to me. The credit bureau is continuing to illegally report these accounts and violating my consumer rights. I have obtained legal counsel through XXXX XXXX XXXX, XXXX XXXX XXXX  who is prepared to sue the bureau attached to this complaint, on behalf of XXXX XXXX XXXX, if a proper reinvestigation and deletion of these accounts is not completed. 

If not removed within 15 days of receipt of this notice, XXXX XXXX XXXX, Attorney at Law will begin court filing in which civil penalties for violating consumer rights will be addressed. 

In addition, XXXX XXXX XXXX states the following : Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate and remove this account and correct any erroneous reports of this debt as mine.

For the record, I state again : I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Product: Debt collection

In XXXX I received a letter from the law firm XXXX for demand of a XXXX account that I never opened. 
I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. 
The first of the year ( XX/XX/XXXX XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). 
On XX/XX/XXXX I received a letter XXXX notice to cure ) from the law office XXXX stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office XXXX or their client Cach LLC or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me two different letters one demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} XXXX XXXX letters arrived on the same day ). 
I am on XXXX food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money.
Product: Credit card or prepaid card

Wisely Card : I got an alert at XXXX stating that my balance was {$5000.00} short of what it should be. When I looked there was a charge from some concrete place from Florida ( I live in Indiana ) that was fraudulent. I called immediately to report. This is on a wisely card that my pay goes on automatic every week. I cant get the company to do anything, I am out XXXX and they are basically acting like they wont fix it. Its clearly fraud, if you look up company online its a fake website and number. I dont know what else to do
Product: Debt collection

THE COMPANY NAME WAS   XXXX   XXXX   XXXX   THEY WOULD NOT GIVE ME THERE ADDRESS ON  X/XX/2017    THERE PHONE #  XXXX  REFRENCE #  XXXX  THEY TOLD ME THEY WERE GOING TO TAKE MY  XXXX  VECHICLES AWAY PLUS GARNISH MY WAGES WHICH IS SS.THE DEBT WAS FOR {$1600.00} FROM HSBC THAT DEBT WAS PAYED IN FULL THRU MY BANKRUPTCY IN  XXXX  DISTRICT OF ILLINOIS  XXXX  DIVISION. I HAVE ALL THE PAPER WORK CASE #  XXXX
Product: Credit card or prepaid card

CitiCards has charged me an interest charge for the Months of XX/XX/2022 and XXXX XXXX monthly statements. 
I have always paid each months balance in Full prior to the statement due date. 
I have never had a balance owed from the previous month. 
Each monthly statement was paid by bank transfer and acknowledged by Citicards well before the ending due dates. 
I contacted Citicards customer service and they advised that there was a system problem, however the error has not been corrected- since there has not been a credit issued.
Product: Mortgage

In mid XXXX XXXX, I initiated a re-finance of my home mortgage through my then current mortgage company, Cardinal Financial. On XXXX/XXXX/XXXX, I paid {$600.00} to Cardinal ( over the phone ) using my XXXX XXXX XXXX card for an appraisal. 
On XXXX/XXXX/XXXX I emailed the contact at Cardinal Financial ( XXXX XXXX ) and informed him I was canceling the process and requested a refund of my {$600.00} appraisal fee. He responded to the email acknowledging receipt. 
Also on XXXX/XXXX/XXXX I began the re-finance process with XXXX XXXX XXXX. I paid them an additional {$600.00} appraisal fee. 
On XXXX, I received a call from an appraiser ( XXXX XXXX ) to schedule an appointment for the appraisal. He came on the morning of! XXXX/XXXX/XXXX. I contacted him at the curb on arrival and it occurred to me to ask him to confirm that he was there for XXXX XXXX XXXX. He said he was there for Cardinal Financial. I explained I had decided to switch mortgage companies and canceled Cardinal three days earlier. I asked if the appraisal could be used by the new mortgage company as both re-finance applications were VA. He said no, so I canceled. The same appraiser called me two days later and re-scheduled the appraisal on behalf of XXXX XXXX XXXX and subsequently completed the appraisal. 
After several email and phone conversations with XXXX XXXX of Cardinal Financial inquiring about my refund I was referred to the VA. I spoke twice with XXXX XXXX at the VA. He said I had paid the fee to Cardinal Financial, not the VA. The VA does n't receive or handle the appraisal fee and Cardinal Financial was responsible for the refund. 
On XXXX/XXXX/XXXX I again spoke with XXXX XXXX and demanded my refund. He said he would refer my request to the proper person at Cardinal. I followed up with an email synopsis to XXXX XXXX. 
As of XXXX/XXXX/XXXX subsequent phone calls have not been returned and there has been no response to my email. I have not received the {$600.00} refund.
Product: Debt collection

I have tried to communicate with Portfolio Recovery Associates, LLC via certified mail on this particular account for the past three months. I have requested Portfolio Recovery associates, LLC to remove this incorrect account from my credit report. I have asked Portfolio Recovery Associates, LLC also to provide any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have also asked Portfolio Recovery Associates, LLC to provide names, Addresses and telephone numbers of each person contacted regarding this alleged account. I have told them via certified mail, that one of their employees signed for, that I any automated or XXXX verification is unacceptable. As of this date of complaint that I am filing with you, I have not received any documentation. The only response I have received back is that Portfolio Recovery Associates, LLC has verified and closed the case.

Account Name and address is Incorrect that is on the bill they are saying is mine. 
If not resolved I will be forced to file in small claims court.
Product: Credit reporting or other personal consumer reports

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors ; 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. I also received a corresponding physical letter from a debt collector, XXXX XXXX XXXX. According to XXXX this company does not have a license to collect ANY debt in the state of Texas. From this physical letter they sent to me, they are in violation of two laws. 15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; According to 15 U.S. Code XXXX - Civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; this is a violation of my rights. I am entitled to {$1000.00} per each violation I would also like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$1500.00} This is a violation of FCRA and also in violation of requisite XXXX XXXX COMPLIANT reporting standards and must be permanently removed from my consumer report. 
If you can not provide me with your method of validation then please delete due to inaccurate reporting.
Product: Credit card or prepaid card

XX/XX/XXXX, rented a car from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX, XXXX XXXX Ga. The close out receipt called for a single payment of {$470.00}, which I accepted and left the airport. My credit card was charged {$260.00} w/o my legal authorization. Dealing with XXXX, they alleged it was for a damaged window, which I had company rental agreement stating the vehicle was already damaged. Next allegation, it was for loss of use of vehicle and subsequently, it was for 2nd rental. I filed a fraud complaint with Suntrust somewhere around mid XX/XX/XXXX and before XX/XX/XXXX. During that period, XXXX agreed to recredit the card on XX/XX/XXXX. Instead XXXX charge my card against while SunTrust was sitting on a fraud complaint. I received a letter from SunTrust XX/XX/XXXX stating my case was closed, even though XXXX had just issued an unauthorized purchase to the personal credit card.
SunTrust habits with complaints is act as thou the charging party is apart of the bank operation and appears to assist in undermining the customer rights under federal law.
Product: Money transfer, virtual currency, or money service

1. 
On XX/XX/XXXX I made an international debit Purchase -visa XX/XX/XXXX card ending XXXX XXXX XXXX XXXX with XXXX for {$570.00} via US Bank XXXX 
US bank charged me International Processing Fee XX/XX/XXXX card XXXX on {$17.00}. 

2. 
On XX/XX/XXXX I change up my mind and canceled the purchase for {$570.00} and requested a refund. 

3. 
On XX/XX/XXXX The requested refund appeared on my US Bank account as {$570.00}. 

4. 
On XX/XX/XXXX I asked the bank online and in-person with the Branch manager in the US Bank branch at XXXX XXXX XXXX, XXXX, OH XXXX to reimburse me the International Processing Fee that I made through the US Bank debit card on XX/XX/XXXX for my online purchase of {$17.00} claiming that XXXX is responsible for fees and that is not the policy of the bank. 

I am submitting evidence to support the claims. 
1.picture 10 ( 2 ) : purchase and international fee charge 2.picture 10 ( 3 ) : refund, but no reimbursement for international fee charge
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 #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I sent a wire transfer from my local bank to Cathay bank for the purchase of an automobile for the amount of {$23000.00}. Account number XXXX. Wire transfer # XXXX under the account name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX. Nine days later when I did not receive my vehicle that was supposed to be transported to me, I reported this to my bank " XXXX XXXX XXXX in XXXX, Illinois XXXX on XXXX XXXX. Because of the upcoming holiday weekend, the bank representative was not able to get an answer from Cathay bank regarding cancelling the wire transfer. I did receive {$1100.00} back from Cathay bank. The seller of the vehicle has blocked me on XXXX and his phone and email are no longer in service.