23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have discover credit card account. I access it from my desktop computer using Windows 10 Operating system and firefox as a browser. Every time when i try to login - this website think that I am not the right person and challenges with the security code. Either i need to get it on my cell phone or on my email. Even if i check the button " remember my computer '' it asks me again and again ... .very frustrating.I am not deleting my cookies. Already reached to Discover via secure message center but i do n't think they will be of any help. Last time they disabled my discover bank credentials also and i end up with lots of issues. Working with the online website of discover is really painful, frustrating and total waste of time. Their entire IT operations should be scrutinized. I am attaching the screen shots and the email communications. As you can thrice in a day ( today ) -I was challenged to login to my account and then it sent me code on my email. Also i checked the " remember my computer '' button also. I had been telling this to Discover for long time.
Product: Credit card

On XX/XX/2016, while in XXXX, I purchased a leather jacket for {$1300.00}, which was to be shipped to me, so I left the merchandise with the vendor. The next morning, I realized that I did not want the item, so I went back to the vendor to ask that he not ship the item and provide me with a credit back to my account. The vendor refused to provide a refund and stated that he would only be able to do so AFTER he shipped the item to me and I was able to return it to him. I filed a dispute with Citi Credit Cards and received a provisional credit while they conducted their investigation. I provided them with all the information that they requested, except for once I accidently forgot to include an attachment, so the investigation was closed. Citi agreed to re-open the case after I provided the information that was missing from a previous email. In the end, they stated that they could not credit my account because the VENDOR ( in XXXX ) said that he never received the merchandise, despite that it was returned to the location from which it was sent, a XXXX XXXX in XXXX, XXXX. 
When the vendor refused to grant me a refund until AFTER he sent the merchandise to me, I understood that he would make it difficult ( if not impossible ) for me to undo the sale. I am not certain if he received the merchandise back or not, but I do know that it was signed for at the XXXX XXXX, which is where FedEx ( the original shipper to me ) returned the package. According to Citi Credit Cards, the vendor says that he did not get the merchandise ; however, I know for a fact that he did not want to issue a refund - even before he mailed the merchandise that I NEVER took possession of. 
So, now, Citi Credit Cards is making me pay for merchandise that I do not have because the vendor, who was unscrupulous to begin with, is saying that he did not receive return shipment, which, if it is true, may very well have been by design. 
Is there no law against having to pay for merchandise that I did not receive, especially, when the Vendor shipped the items against my will - and I have done EVERYTHING in my power to return the items back to him? Should n't Citi Credit Cards be obligated to write this off to their " bad debt '' account, as opposed to forcing me to pay for a good that I do not have and did not want? I believe that it is unfair to put me in the position of proving that the VENDOR is not telling the truth ( that he did receive the package ), when they have no proof to the contrary - other than his statement. Should n't they be giving me ( their customer ) the benefit of the doubt OVER a vendor with whom they have no other ties? 
I feel like I have been victimized by the vendor in XXXX AND Citi Credit Cards. They did agree to give me a {$230.00} credit, but that still leaves over $ XXXX that has been charged to my account for something that I did not receive the benefit of. 
Please help.
Product: Debt collection

I fell upon a hardship where I was unable to pay this debt in a timely manner. While I have settled most of the debts either through arbitration where I have made an offer that was accepted, others have sued me in court for the full amount. I am now on a fixed income and can not repay the debt. I live in the state of California and the debt has been turned over to a collection agency who is not the original lender. ( This is a Credit Card ). It continues to show up on my Credit Report and prevents me from improving my Credit Score to raise my standard of living. The debt ( s ) are more than ( 6 ) six years old and continue to haunt me. I believe that statute of limitations in California is ( 3 ) three years. Please advise me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$160.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed Inhad fraudulent accounts on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party.
Product: Debt collection

On or about XX/XX/2022, I was notified through a credit monitoring agency that an account was submitted as a collection account by CSA of XXXX in the amount of {$100.00}. I disputed this account as not belonging to me. Within a few days, I was notified the account was verified. In an attempt to narrow down how and who this account belonged to, I reached out the collection agency. I spoke with XXXX, A representative at CSA. XXXX of CSA advised the account belonged to my minor son. I requested a copy of documents indicating I signed as a guarantor, original creditor, and an itemized statement. 

The collection company advised they did not have the requested information except the name of the original creditor. CSA was unable to provide me any information for the original creditor except the name and amount. I asked to explain how they received my order to receive my information or my sons, the agency was unable to provide the information. I researched the original medical creditor on my own. I was then advised, not only did I not owe any bills for myself or my son, the medical creditor advised they never used this collection agency. I was advised medical accounts for myself and my were paid in full and never submitted to any collection agency. 

The XXXX bureau should not have been able to verify this account as belonging to me without violating HIPPA rights for both my son and myself. I spoke with an agent named XXXX, at XXXX on XX/XX/2022 to determine what methods XXXX used to verify the account belonged the account belonged to me. XXXX advised me that the methods used was simply calling the creditor to determine if the SSN and DOB were correct. XXXX advised XXXX doesnt request supporting information from creditors to verify accounts. XXXX advised if I wanted to dispute further, I would need to file a police report or file a complaint with FTCA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX, I made 3 deposits to the company Coinbase to purchase digital currency ( Bitcoin, Ethereum, and Litecoin ) in the amounts of {$160.00}, {$100.00}, and {$160.00}. I left the money in my coinbase account and did n't use my account. 

On XX/XX/XXXX, I attempted to log into my account and got the message " Sorry, your account has been temporarily disabled and please contact support. '' I contacted their support team and got the response, " Hi there, I sincerely apologize for the delay. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. '' I followed up with their customer support team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response. I feel like coinbase has scammed me out of my money and have not  received a response to my concerns. Is this even a real company or just stealing people 's money?
Product: Credit card or prepaid card

Since I was all the time getting offers from Barclay`s bank I have applied for Barclay`s AAdvantage Aviator Business card.I have a personal XXXX XXXX  credit card with them with a limit of XXXX, but I don`t want to use my personal credit card for the business. 
I have a excellent credit history.There is nothing negative in my application.i`m in a field where we are saving someone`s life everyday.We are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i`m the XXXX of the company.and there lots of daily expenses and licensing expenses we have during our operation where I don`t want to use my personal credit card.And since Barclay`, my credit card company were sending me offers everyday to apply for a business card, I decided to get it.After submitting every document they called me on XX/XX/.After putting several hard inquiries on my credit report which is over 780 fico score, they told me you know what we don`t wan na give you business credit card because you already have XXXX XXXX XXXX XXXX with us.I kindly explained them that advising someone to use his personal credit card for business is not a right thing.And I also explained them that by putting several inquiries on my credit and without reason declining, you are not only damaging my credit score, but ruining my chances to get a business card from different bank.

I also told them that under the fair credit reporting act creditor can not taken an adverse action against consumer based on discrimination what I felt happen to me.I really felt that Barclay`s Bank treated me as their customer very unfairly without giving me the right reasoning.If their employees continue treating their own customers like this they will lose lots of customers, and I`m going to be one of them.If I don`t get this problem solved I`m going to cutt all my relationships with that bank.

Everyone in this country are equal.We are all paying taxes.No one, it doesn`t matter its a bank or individual can treat anybody unfairly in this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX 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 Account XXXX : XXXX has violated my rights. Or a list of inquiries 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 or 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 or other personal consumer reports

Account XXXX XXXX XXXX ) was paid XXXXXX/XX/year>. And is do every XXXX of the month account was not paid on time on the XXXX of XXXX it was having trouble with the online portal for my account it was paid XX/XX/year> in the amount of XXXX XXXX Which would have been the min payment for both XXXX and XXXX. Being paid on XX/XX/year>. With that fact the account was not past do 30 days it would have to be XX/XX/year> in order for XXXX payment to be considered delinquent. I paid min payment for XXXX in XXXX along with XXXX payment. The late payment for XXXX I ask be updated with the credit bureaus and forgiveness be considered/ and noted that it was not 30 days pass do.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

Was hospitalized for a couple months due to XXXX complications. Contacted the company and was assured they would work with me and my account would not be reported late. They reported my account 30 days past due. I contacted them and explained the situation again, and informed them I was keeping my end of the arrangement and had made the agreed payment, and they refused to remove or correct the late payment on my credit report that I was told would not be reported in the first place. I asked for a resolution to remove the late payment report and they refused to work with me.
Product: Credit reporting or other personal consumer reports

I submitted letters to TransUnion, XXXX, and XXXX ( XX/XX/2024 ) asking them to verify the accounts that I listed belonged to me. I have yet to receive a response. They are not complying with their policies by responding within the required timeframe. I have been a victim of identity theft and I am exhausted trying to repair the damage that has been done. I am tired of being denied credit. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account due to inaccurate reporting multiple times with Equifax and XXXX. It comes back " Verified as Accurate by Creditor '' every time. The information is inconsistently reporting between Equifax and XXXX. How is that possible that it comes verified as accurate each time? The high credit is inconsistent. The credit limit is inconsistent. The date of last payment is inconsistent. This account also is " Open '' yet reporting as a collection/charge-off. How is that possible? The Credit Bureaus are not in compliance with the FCRA.
Product: Credit card

i initiated several disputes about XXXX purchases that were never delivered, totaling XXXX. This all took place in XXXX the bank is Truist using a XXXX debit card for my banking account. They claim i did not report the dispute in the right time frame, which i had no idea that the items were never delivered until i reviewed my records and figured it out. I am wondering what XXXX guidelines say about this situation, as it is a XXXX debit card.
Product: Debt collection

Been receiving harassing phone calls from synchrony bank concerning a sam club credit which I do n't have. I contacted the bank and was transfer to sam club credit. Sam club credit acknowledge that they have no record of me. I ask for the phone calls to stop but they still keep coming. Been receiving these phone call for a month, several times a day.
Product: Mortgage

Case numbers :  XXXX   XXXX   XXXX  QWR and Debt Validation was not addressed and no financial documents were given to me from my request.     The Notice of Rescission of notice of default  XXXX   XXXX ,  XXXX , was not addressed at all from my request.     The  XXXX   XXXX ,  XXXX  TILA rescission is an event that happen I am not asking them to consider.  XXXX   XXXX ,  XXXX  " effective upon mailing '' No answers to any question to in my written request and they are late in the response also.      XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that XXXX XXXX  XXXX has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current since XXXX of XXXX. We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. 
It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current on XX/XX/XXXX month with a check mark and current. 
Thank you for your time and have a wonderful day.
Product: Mortgage

On XX/XX/2021 our property tax is due and as payments need to be received by XX/XX/2021 at the XXXX XXXX department in order to have no additional fees as well, have no late status on our account. Last year the mortgage company didn't pay our property taxes and we ended up having late fees assessed and were threatened with our home being taken unless taxes were paid. Taxes were paid out of our own personal account even though in our mortgage contract it states escrow would be used for property taxes and homeowners insurance. After contacting the company we were told they would refund our full amount ( full amount was never received due to some mix up in our escrow, as well something we were never advised of until an escrow analysis was preformed in roughly XXXX of 2021 ) and this wouldn't happen again the following year. Guess what? It is now XX/XX/2021 and property taxes are showing not paid. According to my payments, it does show an amount of {$850.00} being taken out of escrow on XX/XX/2021 and this states tax disbursement. It is now XX/XX/2021 and as stated above nothing has been received by the XXXX XXXX tax assessor. Taxes are due no later than XX/XX/2021 in order to not receive late fees however the date show on the tax assessor website show due date of XX/XX/2021. This is beyond frustrating as this seems to be a habit with this company and they seem to have an inability to correctly pay something on time. Lastly, I did send an email stating my concern and the response stated that the money was taken out of my escrow and paid on XX/XX/2021. However, I was also told if a delinquent notice is sent to me, I should send it to the mortgage company. Seriously? Because of their inability to pay last year we did receive multiple delinquent notices, and notices we noted to this company over and over again until it came to a point payment had to come from our own account. The company claims they sent a fed ex payment close to the time we paid the amount from our own money however IF any payment was mailed it was too late as we were close to having our home sold at auction due to how overdue the property taxes were and all due to this mortgage company NOT making the payment.
Product: Debt collection

I still do not know if this is really owed to SLS. This debt has been silent since XXXX had it in XXXX. 

However in fear of losing my home. I was gifted by family members the amount to bring the account current. 

I was told on multiple occasions by SLS staff that the phone line was recorded. During these recorded conversations I was told that if I bring the account current by paying {$50000.00} that I would then just need to pay {$310.00} a month. They also told me there were no pre-payment penalties. 

These are the following representatives that told me this : XXXX ID # XXXX, XXXX Id # XXXX, XXXX, XXXX, XXXX, and XXXX. 

They reported to you the CFPB that my payment also was {$310.00}. They also reported to you the CFPB that total amount to bring the account current is {$14000.00} if thats the case why did they make me pay them {$50000.00} to bring it current? 

After wiring SLS {$50000.00} on XX/XX/XXXX from my bank, Im now being told that my new monthly payment beginning XX/XX/XXXX will be {$1000.00} a month. 
Somebody messed up because I was told many many times it would be {$310.00}. 

This is unacceptable and is lying to a customer by SLS staff. 

It is also unacceptable that every time I call my so called Relationship Manager XXXX XXXX ID # XXXX is not available to go over my case. 

The debt I owed was XXXX somehow they are saying it is XXXX plus which also is not true. When asked to verify how they calculated the number figures they responded to me saying they couldn't disclose this information because it was proprietary information under the requirements of ( RESPA ) and regulation X? How will I know if they are really telling me the truth or commenting fraud with this mortgage? 

In good faith I have brought this account current out of fear, harassment, and intimidation believing that my payment would be {$310.00}. There is no way I will be able to pay {$1000.00} as I'm XXXX and with a fixed monthly income. I don't believe anything they say. They have sent me so many different statements, figures, and different amounts that I supposedly owe. They also have sent me other peoples loan documents, social security numbers, and other confidential documents that should have never came to me from their office. 

Makes me afraid and wonder if they are legit. I'm also afraid that they are sending other people my personal confidential information. They should be held accountable for breaching confidentiality. The way this world is today with identify fraud and theft someone could try to ruin my life, if SLS shared my personal information by neglecting to be careful. 

Please help end this nightmare, PLEASE!!!!!!!!!! 

XXXX XXXX Please see all attached supporting documents. 

I'll file a second one to attach the documents.