23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed a lease with XXXX XXXX doing business as XXXX XXXX XXXX in XX/XX/XXXX. They are located in XXXX GA. The lease was for one year and had an end date of XX/XX/XXXX. I provided notice on XX/XX/XXXX that I did not place to renew my lease and I wished to move out on XX/XX/XXXX. The management team would not accept my notice unless I extended my move out date to XX/XX/XXXX. I accepted this and they provided written acknowledgment that they agreed as well. I paid {$810.00} on XX/XX/XXXX. This payment was for rent until XX/XX/XXXX ( base rent was {$790.00} ) plus utilities as advised by phone from XXXX XXXX. They accepted this payment and I moved our as agreed on XX/XX/XXXX and turned in all keys and gates cards to the leasing manager. I also provided the office with my mailing address and new telephone number. Now they have come back and advising I still owe them rent for XX/XX/XXXX and this is incorrect. I never received my final statement from them. They just sent this to collections and I only found out when I was about to move to another community. I have contacted this place many times by phone and in person and the manager will not show me how I owe them or remove these charges. On the move out notice from them there is no amount listed by prorated rent through move out date. I went to the signed lease and it only list the rent as {$790.00}. Nothing in this lease addresses how they think I still owe this. I have now received a final notice from them but it's incorrect. They claim they mailed the statement to me however, I never received it and my mail was forwarded to my new mailing address. If you look at the final statement they have my address when I use to live on site. They most likely never mailed the letter but hand delivered it to an address they knew I was no longer at. They company has been underhanded from day one and this was reason I decided not to review my lease. They started by accepting my first payment and deposit then called me back to advise they had to re-run my app and now they needed more of a deposit. I paid them an additional {$490.00} but when I received my lease it only listed my deposit as {$150.00}. I called on this was advised only {$150.00} was refundable and the rest was a risk fee. In the email from agent I was told the {$490.00} was a deposit. This was the first I ever heard of this. Oh and they would only provide the lease by email and I did not receive this until the day before move in. I was great need and had to move as soon as possible to get away from a bad relationship. Feeling like I had no other option I signed their lease. Really this company owes me {$640.00} because the location was returned to them in better condition than when I received it. The last invoice I received from them shows I had a credit balance of {$64.00} for utilities. What happened to that credit. So they instead really owe me {$700.00}. Their own ledger which I received from the office shows they removed the rent charge that posted on XX/XX/XXXX and went back in to add extra rent charges after I left.
Product: Checking or savings account

I recently made a transfer from the above referenced account on XXXX based on funds showing available. Somehow the ledger was off by XXXX which resulted in one overdraft fee after another. Totaling {$70.00} for a discrepancy of XXXX Now does this seem okay, to charge consumers? Additionally, I see this as a very unfair and deceptive practice based on how the transactions themselves do not post chronologically which results in more fees to the consumer. I am asking this to be reviewed and rectified by removing the fee. <P/>I can be reached at XXXX or my wife XXXX who is also on the account at XXXX
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of the Fair Credit Reporting Act - Capital One has violated several of my rights on two accounts 15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

In XXXX on 2022 I made a purchase from XXXX XXXX XXXX ( owner of XXXX XXXX XXXX XXXX XXXX XXXX ) for a pair of custom made pro wrestling trunks the purchase was made between XXXX XXXX and XX/XX/XXXX of 2022, for a grand total of {$180.00} fees included. I was given a completion date of 4-6 weeks after payment was made, over the course of 15 months, I was give excuse after excuse by XXXX XXXX on why my order was not completed or shipped, from seamstress issues, to travel and injury issues, to being told they were in progress, to being told he didn't have the material. At one point XXXX XXXX offered to send me " 3 bottles of the gas '' a reference to illegal injectible steroids for the year long dealy in my order, I asked for a refund, and was told no bc it would put XXXX XXXX out XXXX $ somehow on materials he never ordered. I escalated the issue with chim to dispute the charge as items not received. And over the past 2 months chime has concluded there to be no error, with each denial I requested an elevation to see what documents the used in their findings, and each denial reason has been proven false with the 10 documents I submitted to chime, with highlighted notations on information pertaining directly to the dispute case. Several times my dispute would be opened, denied and closed in a matter of hours, proving to me the disputes department at chime does not take the supporting documents into consideration when requested. In the last few months XXXX XXXX has stopped reading and replying to my requests of updates on my product, while posting to his social media looking for a wrestling ring ( XXXX cost ) and even sitting in airport lounges drinking the day away.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : OFFICE OF THE ATTY GEN XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; ATTORNEY GENERALXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.
Product: Credit reporting or other personal consumer reports

This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened the account with Coinbase.com in XX/XX/XXXX. I wire transfered money to that account in order to purchase Bitcoin. I stored purchased Bitcoin in digital wallet based on their website, Coinbase.com. I forgot my password and tried to reset it, they asked to do it from the same device I used to open the account, but I do not have that device which was my old laptop. Now I spoke with Coinbase on the phone 3 times since I initially contacted them to reset the password, which was in begining of XX/XX/XXXX. They informed me that my request will be handled by specialist and they will send me an email with link to reset the password. It 's been over month and a half and I called again only to hear the same thing. I wanted to invest money into bitcoins and lost good opportunities since that time, now I am afraid they just wo n't ever answer. Please let me know if you can help me to gain access to my account, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter on XX/XX/19 dated XX/XX/19 from Synchrony Bank advising a request to open a PayPal account or make a purchase using the payment method on XX/XX/19. I did not request this.
Product: Student loan

On XXXX XXXX XXXX I asked MOHELA to please forebear my student loan account until my SAVE application was processed. They said they would forebear it until the end of XXXX and that it should be enough time to process the application for SAVE I submitted back in XXXX XXXX XXXX 

I have had to wait over 40 minutes at the least for an answer to their customer service line and I keep getting bills for amounts that I can not afford. Then when I only pay the amount I applied for, I am told that the ful amount is past due and could be sent to collections. It's stressful to think I could be sent to collections when I am doing everything I can to get this situated with little to no response from the servicer 's end.
Product: Credit reporting, credit repair services, or other personal consumer reports

the problem is specifically with XXXX a reported account with a balance of {$10.00}, XXXX of JPMorgan that account was disputed at the time and does not belong to us.
Product: Debt collection

I have written several letters to Midland credit Management explaining that I could have been a victim of Identity theft and I do not owe then anything. I have asked for a contract bearing my wet signature and havent gotten anything from them with my signature. I do not owe this debt
Product: Credit card

I applied for a loan with XXXX for my small business. After I received the loan, I started to get another bill in a different amount that I was already paying back to XXXX on the monthly basis. This new bill was from Paypal, once I spoke to them I was told that I accidentally clicked on a button that prompted Paypal to provide us with the loan and that for that reason I owed them the additional {$300.00}. I contacted XXXX about this and their response was they could not do anything about it and that people get confused when setting up the account. I am in disbelief how XXXX can have Paypal in the settings to obtain payment for a service that is supposed to be only through XXXX. Today I agreed on paying XXXX {$230.00}, because I do not want to ruin my credit. I believe this is a very sneaky way to obtain additional money for a service I did not sign up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Loan number XXXX TO XXXX PAYMENT COMPLAINT MANAGEMNT DEPARTMENT. 
I am not happy this company you have always find a way to steal my payment. Please kindly apply my payment to the designated payment allocation. 
In the month of XXXX 3payments where made but only 2 was applied to my account are you waiting for me to forget, then the money will disappear like others has happened. 
I will appreciate it if you can work like a business not a scammer, I am tired of chasing this office to do the right thing each time I make a payment. 
The balance on my loan will be {$140.00}, XXXX if somebody will do their job not to find a way to steal from me. You have an unapplied found that is sitting in my acct in the amount of {$750.00} as unapplied we had gone through this over and over. Apply my payment if you do, we will not be having this conversation. 
This some of the reason why I have been vocal about your service with me next time this will happen I will have a lawyer talk to you because I have been looking for a way to have a share in a company and this might be an opportunity to get rich. 
You have done this before and came up with a wrong calculation and now you are doing it again STOP playing with my payment. 
Second my payments are not been reported correctly to my credit department that id another way to deprive me from refinancing my mortgage to the mortgage companying of my choice. 
I am writing for you to make all the correction you are getting paid for your interest that is not enough now you are looking for another way to embezzle my payments. The only payments that should be reflecting in my account will be {$750.00} for principal on a monthly and the rest will to the interest and other when you dont do it. Then you are trying to steal from me. 
I am a hard worker making sure that my bills are paid but you are making doing everything in your power to keep me in dept. if I was XXXX  I dont have to go through this to make sure my payments are applied correctly or reported to the credit company. 
I have tried warning you about this, I thinks is time for me to file official mortgage fraud complaint against NewRez LLC / Shellpoint for discrimination, fraud and suffering. Due to false payment reporting. Which is causing sleepless  night for me. 
I like this corruption and payment huddling and stealing to be corrected and stop playing with my money. I know what to do with {$750.00} if it was in my account then when I pay foy my principal to go down you huddle the payment instead of applying it to the designated payment location. 
Dont think that I dont have a cash of {$140000.00} to pay you off. For your information my other mortgage company is not giving all this scamming behavior is your this so called NewRez. 
I need someone in the complaint department to look into my complaint and make sure this behavior will stop I have been promised before, but it kept happening. 
NewRez is worse than a XXXX scammers I cant wait to XXXX  you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX AND XXXX STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL XXXX CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX HOUSE, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, A fraudulent unauthorized hard inquiry from XXXX XXXX  was reported on my equifax Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy.

15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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Product: Credit reporting, credit repair services, or other personal consumer reports

My mother filed bankruptcy in XX/XX/2016 and she included a bank account from XXXX XXXX XXXX XXXX that was a joint account with her and I both on it in the above stated bankruptcy. The debt was taken care of and paid off but somehow ended up on my credit report saying it was a " charge off '' account with {$430.00} still owed, even though it was taken care of back in XX/XX/2016 when she filed the bankruptcy. This only appears on my credit report, it does not reflect on my mom 's. I have disputed this multiple times with the credit bureaus with supporting documentation that it has been paid off since 2016 and even had the bank manger themselves write me a letter to send in saying there is nothing owed. The " people '' who keep reporting back to the Credit Bureau refuses to give the credit bureau contact information for me to talk to them and for this to be cleared up. I have spoken to XXXX XXXX XXXX XXXX XXXX offices, all the XXXX XXXX XXXX XXXX third party associates and no one can find this so called " debt '' that is owed. I need this off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly collections in the amount of {$48.00} ; {$42.00} and {$28.00} on the XXXX XXXX XXXX account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report. ) These accounts were billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consume trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

Portfolio Recovery Associates , LLC. has an account from XXXX XXXX with a balance of {$910.00} for a XXXX  card from several years ago. This company, for years, would call me ( my previous number ( XXXX ) XXXX ) XXXX times per day, literally XXXX days per week. From XXXX until XXXX, every XXXX  hours or so. This account finally went under a judgement, and at that time the calls finally stopped. However, XXXX months after court date, they started again. For example, today, XX/XX/2022, I have received XXXX. Over the last several years, I have blocked more than XXXX numbers from them, and they just continue to call from another number. I am XXXX XXXX XXXX XXXX  and I can no longer take this. I have contacted an attorney. I am absolutely stressed daily and often turn my phone off so I don't need to see they are calling. I've asked them to stop for years, and they call back XXXX hours later!
Product: Credit card

Citicards account ending XXXX originall later changed to XXXX is providing inaccurate information on my credit reports that I was 150 days late with making a payment. That information is wrong. I mailed and paid XXXX statement on time. XXXX copy of check and statement will be provided. So I was really only 120 days late. At 150 days late they claim the account went into a charge off/collections. Well because it was not 150 days late, that would make that information invalid. Also I was never contacted or dealt with an outside agency. I continued to pay every month from XXXX to XXXX directly to Citi until it was paid off. However after XXXX they were negligent in not sending me statements anymore and I had to reuse XXXX statement over again. Many months Citi did not process my payments for as much as XXXX to 18 days. Also as a result of there negligence in no longer sending statements. I overpaid Citi XXXX in XXXX and sent a {$500.00} payment in XXXX do to a mathematical error because they werent sending me statements. They had to than issue me a credit balance refund of {$710.00}. Its also worth noting there information reported to each agency varies. Its all over the place. XXXX shows that the total amount late was only 120 days. There are XXXX issues, XXXX, I was not 150 days late paying, I was 120 days late and can prove it. Therefore even if they had charged it off it would be invalid because chargeoffs begin at 150 days late. XXXX, there was never a charge off or collections involved. I was never contacted by any third party collections agency and I paid Citi off directly until I was over paid starting in XXXX. I have tried disputing this several times with a XXXX reporting agencys. I have also attempted to work this out with Citi and sent a large amount of files proving this. It was clear, yet they mailed a response that the clear information provided did not show their errors of misinformation. It was very clear. I have replied with there mailed response with the information a second time. As a result of their unwillingness to take the time to look back at there files using my files and denying they provided inaccurate info including the fact there information is all over the place and varies widely from credit reporting agency to credit report agency, it was now time to file an official complaint with the CFPB to step in and help correct there errors which negatively impacts my credit score. No other credit card I had or have on file ever went over 120 days late as I began paying them all back the same month after I got better from being ill and out of work, however Citi makes an error publishes inaccurate information, is made aware of it and denies they made a mistake or correct it. Its time to set the record straight. I have been disputing this inaccurate information by them months now. The information is wrong.
Product: Credit card or prepaid card

I got the promotion from Citi about opening Preimier card and I could XXXX reward points. On the website, Citi clearly mentioned first year $ XXXX Year was waived ( also see attached image for evidence ). However, I got charged the first year annual fee immediately after activating the card. I tried to follow up with Citi but they told me i am not eligible for the waiver. I am very frustrated as it is clearly mentioned on the website. 
Please advise and refund my mischarged fee.
Product: Payday loan, title loan, personal loan, or advance loan

15 USC 1692-c If a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications with the consumer