23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX changed to XXXX transferred to several other collection agencies now with Second Round LP. This was a XXXX 's XXXX, XXXX 's sold to XXXX XXXX. XXXX 's sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX 's as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX 's corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX on other accounts. However, Second Round LP is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even Synchrony sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, Second Round LP is reporting on XXXX  that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. Second Round LP stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are.
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 Account Number : 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: Payday loan, title loan, or personal loan

I applied for a Barclayus credit card on XX/XX/2020 in order to purchase ( online, due to Covid ) an XXXX  XXXX, XXXX  XXXX  and XXXX XXXX  for work. Total dollar amount of the order was {$1000.00}. The order was placed on XX/XX/2020 and shipped on various dates/locations due to stocking locations and other limitations ( covid related, surely ). XXXX has a deal in place to receive interest free financing on items purchased, contingent on the dollar amount purchased. The financing on the Barclay terms were for 18 month interest free financing for amounts over {$990.00}. Now, Barclay is indicating I have a part of my purchases whereby the interest free portion is expiring in XXXX ( 6 months from the date of a few of the items ). I spoke to XXXX, the manager at Barclayus.com today and he indicated that because the items were shipped on different days, the terms for each shipment impacted the financing. However, the attached contract terms ( printed on the day I applied for the card ) indicated otherwise : that all orders " made within the first 30 days '' are eligible for the terms. Barclay is saying this is the fault of XXXX : it is clearly not as the Barclay terms outline clearly what should happen. This appears to be a case of bait and switch.
Product: Credit reporting or other personal consumer reports

I called to GLobal Lending Services in XX/XX/year> requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.
Product: Vehicle loan or lease

I receive about 3 pieces of mail a week from XXXX XXXX and have sent about 100 back in the mail to them to stop sending me their unsolicited mailings and that I am not interested. I have called them about 20 times to take my information out of their system and I still receive them. I called again today XX/XX/19 and spoke with XXXX XXXX to take me off of their mailing list. It's harassing at this point that I am not interested, I am on a do not call registry and also the opt out on mailings and I still receive these mailings on a weekly basis.
Product: Mortgage

I'm 30 days late on my XXXX Payment. Life happens. But everything is ok. I'm trying to login to my account and, my login information is 100 % CORRECT. I haven't changed it since the mortgage started. 

But when I login, it says " Page Doesn't Exist '' and when I try to connect to a customer service representative on the phone, the automated prompt says it doesnt recognize my SSN or my Loan Number.

And talking to an actual person is IMPOSSIBLE. The automated phone service just kicks you off and says " Call back when you have the required information '' I HAVE THE REQUIRED INFORMATION, YOUR SYSTEM JUST GOT HACKED AND NOW ITS ALL MESSED UP AND YOU REFUSE TO MAKE IT EASY FOR YOUR CUSTOMERS TO TALK TO A LIVE PERSON WHO CAN HELP.

Oh my god. This is so frustrating. I don't want to lose my house.
Product: Debt collection

The original creditor on this is XXXX XXXX I believe it's for tires for less and it is in relation to identity theft and the new collection agency is called Midland credit credit which is referring to the XXXX XXXX creditor which was removed already.
Product: Credit card

I am writing to formally lodge a complaint against JPMorgan Chase Bank , N.A . ( " Chase '' ) concerning the abrupt and unexplained closure of my bank account, which has considerably impacted my business operations. Despite my efforts to understand and potentially rectify this situation, I have received neither a clear explanation nor a satisfactory resolution from Chase. Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to facilitate a fair review of my case and to assist in securing the reinstatement of my accounts, or at the very least, an explicit justification for the closure. 

XXXX. Account Information : Type of Accounts : Personal checking, personal credit cards and business credit cards. 
Date of Account Closure Notification : XX/XX/XXXX Effective Date of Account Closure : XX/XX/XXXX XXXX. Incident Description : On XX/XX/XXXX, I received a notification from Chase regarding the closure of my account. This unexpected action has severely affected my business, hindering my ability to make payments, and thus, compromising my operational efficiency and financial obligations. 

XXXX. Communication Attempts with Chase : On XX/XX/XXXX, upon contacting Chase for clarification, I was inaccurately informed that my account was in good standing and open, contrary to the closure notification issued. 
A subsequent communication attempt on XX/XX/XXXX, resulted in a reiteration of the finality of the decision to close my account without providing an escalation point, a detailed explanation, or a viable resolution path. 

XXXX. Impact of Account Closure : The abrupt termination of my banking services has not only disrupted my business transactions but also placed significant stress on my financial operation, affecting my reputation among vendors and clients due to missed or delayed payments. This situation has presented unwarranted challenges in managing my business 's financial commitments efficiently. 

XXXX. Justification for Complaint : I have been a loyal Chase customer since XXXX, diligently maintaining my account in good standing with consistent, timely payments and responsible banking practices. The lack of clear communication and justification for the closure, combined with the direct impact on my business, leads me to believe that this closure was unjustified and handled improperly. 

XXXX. Desired Outcome : I respectfully request the CFPB 's assistance to : Obtain a detailed, written explanation from Chase regarding the reasons behind the abrupt closure of my account. 
Explore the reinstatement of my accounts or, at the minimum, facilitate an appropriate resolution that acknowledges the undue inconvenience and financial disruption caused. 
I am prepared to provide additional information or documents as needed and look forward to a favorable resolution of this matter. Thank you for considering my complaint and for your role in upholding fair and transparent banking practices.
Product: Credit reporting

I investigated XXXX XXXX through Equifax Credit Bureau and the item was deleted. Please send me the policy and procedure on deletions from the credit bureau. Why after consumers go through a XXXX 45 day investigation and the items are deleted, all of a sudden the item appears on the credit report again. So unnecessary and frustrating!!!!
Product: Debt collection

I never signed an agreement with this company and when I tried to settle the debt, the collector did not negotiate a price I could afford monthly! She told me I had to make an upfront payment to be able to schedule an affordable payment on  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am filing a formal complaint against TransUnion. There are seven credit Inquiries I have disputed with TransUnion since late XX/XX/XXXX. Not only, have they ignored my disputes they have failed to investigate, correct and delete these credit inquiries. 

Due to their negligence, this has negatively affected my Consumer Credit Report and does show my true credit history. 

These hard inquiries are not mine. 
1. Creditor : XXXX - Inquiry Date : XX/XX/XXXX 2. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX - Inquiry Date : XX/XX/XXXX 5. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX 6. Creditor : XXXX XXXX I - Inquiry Date : XX/XX/XXXX 7. Creditor : XXXX XXXX - Inquiry Date : XX/XX/XXXX Please look into this matter. I believe TransUnion is not maintaining complete and accurate credit information. Thank you I look forward to hearing from you and a resolution for this matter.
Product: Student loan

I 've been going round and round with Navient. I finally was gainfully employed last year but Navient kept trying to say that my payments were over 1000/month. So I filled out the paperwork for income-driven repayment and was told by the Navient agent that my payments should be around 350-360/month, according to my paycheck. What they ended up being ( supposedly ) was more around 460/month. But what has been happening is, month after month, I log in to find my payment due at {$960.00}. I was told this was due to old late fees. So I paid them my entire bonus from work a couple of months ago to clear out the fees. That money was really needed for other things but I thought I was doing the right thing by trying to get a handle on these loans. Earlier this month, I logged in to find that the payment due was over {$600.00} with a due date of XX/XX/XXXX. I could n't pay it all at one time so I decided to make a half payment from my first check of the month -- onXX/XX/XXXX and pay the remainder of the payment due today with my second check. I logged in to find that I owed a payment of {$960.00} with several of the loans now saying that they were past due. I tried to speak to a rep but he only said that the payment due was $ 400+ and the other $ 400+ was due to late fees. I asked how there were late fees when the payment was n't due until XX/XX/XXXX He said that these were late fees from last year and earlier -- so, wait, they 're the late fees that I 've supposedly already paid??? The rep kept talking me in circles -- kept saying " you can find it on the account history page ''. I pull up the account history page and all it shows is the series of payments I 've made, each one larger than the last -- it seems in a hopeless attempt to get some kind of structure and sense to this nonsense. Basically, I 'm XXXX because of Navient. I 'm throwing money at them for loans that started off as being {$5500.00} each and now they 're saying I owe $ XXXX- $ XXXX each. I ca n't afford a home of my own, nor a car payment, and I 've had to put off medical treatment, because I 'm struggling to get a foothold with these vampires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX, XXXX and/or XXXX ) credit report XXXX My latest credit report shows Jpmcb XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX is XXXX reporting late payments on a closed account I had with them. Per the US Law Late payments are transactions between the creditor and I. Reporting these transactions is a violation of the law below and I would like the inaccurate information reversed. 

XXXX # - XXXX ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; Please reverse or set to paid as agreed the below accounts : -XXXX XXXX you reported that my transaction was 30 days late. 
XXXXXXXX XXXX  you reported that my transaction was 30 days late. 
XXXXXXXX XXXX you reported my transaction was 60 days late. 
XXXX XXXX you reported my transaction was 90 days late. 
XXXXXXXX XXXX you reported my transaction was 120 days late. 
XXXXXXXX XXXX you reported my transaction was 150 days late. 
XX/XX/2020 you reported my transaction was 180 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Transunion to lift a credit freeze so that I can purchase a vehicle. I tried doing it online myself but the website stated my freeze status was unavailable and to call Transunion directly so thats what I did. When I spoke to a representative, they stated that my freeze was lifted once I answered all the security questions. That financial company in which I am trying to purchase my vehicle from kept stating that my freeze was still active and it was blocked. I even would get notifications from XXXX XXXX and TransUnion telling me a creditor has tried to pull my credit report but it has been blocked because my security freeze. I called Trans Union again for them to lift it and they said that it was after a while I became frustrated and just left it alone however being that I am in dire need of a car I tried again to get my lift my credit report XX/XX/XXXX. I did it through the automated system and the automated system stated that my credit freeze has been lifted. I go back to the financial company to run my credit again so I can purchase a car. I ran into the same issue. My credit report is still frozen. Today which is XX/XX/XXXX, I called Trans Union a total of six times today about my credit freeze the first three times, a rep stated my credit freeze was lifted yet the finance company still is being blocked. The fourth through six time I spoke to Trans Union, they said my file was being handled by a special department and that they can not check my credit report. I got transfer to the special department for the first time the rep stated that they left my credit freeze after authenticate in my account. Yet Im still having issues with my credit being frozen. I asked him why was my file sent to a special department they wont tell me. I asked to speak to a supervisor and still cant get the assistance I need. I then go on the website to try to pay for a paid membership. The money came out my account, however, according to the website they say my card was invalid. I called Trans Union back and they stated that my membership was canceled and they refunded my money. I asked them why did they cancel my membership and refund my money. They cant give me an answer. As of right now I do not have my money back. I do not know whats going on with my Trans Union credit report and thus far nobody has helped me. I need to be able to have full access to my credit report at all time. That is my right. If something is wrong they need to let me know. Being that I can not get my TransUnion report unfrozen for the moment I can not purchase me a vehicle at a particular finance company that I am trying to use to get my car because of the frozen credit report. This particular finance company pulls from TransUnion. I need this taken care of immediately I verified and authenticated my account on several occasions so I dont get what the issue is and cant nobody tell me why.
Product: Prepaid card

My governments funds were stolen from somebody who changed the address on my account after I reported online fraud and requested a new card. My new card was sent to that address and they in turn activated the new card with a new PIN # and proceeded to make purchases and ATM withdraws from my account. In total, {$2900.00} was stolen. These withdraws were made at 2 Comerica Banks in XXXX, and XXXX XXXX, MI along with a purchase at XXXX XXXX in XXXX, MI. I tried many times to contact Direct Express and was never able to speak directly to a human. I went to the Social Security Office, then to Comerica Bank where I was told that they had nothing to do with Direct Express, liars. I then sent a letter to Direct Express in XXXX XXXX, TX and to date have still not received a response. I have filed a police report with my local department who has requested the ATM camera footage from both of these banks for the dates in which the withdraws were made. This has got to be an inside job. I NEVER requested an address change on my account, I have lived here for over thirty years. When I requested a new card from Direct Express, somebody there changed my address so that my card would be sent there instead of to me. This all started on XX/XX/year> and when my deposit for XXXX hit my account they went back to the bank and withdrew all of that money as well. I immediately changed my institution in which my funds were directed, and also deleted my account from Direct Express.
Product: Checking or savings account

I've been attempting to close the account for months. I have a balance of {$100.00} that I have attempted to have released to my personal banking account. Robinhood responded with message that my funds have been restricted and under review over the next 7-10 days. It's been months now with no change in results.
Product: Credit reporting or other personal consumer reports

XX/XX/ a purchase of a XXXX product was made and funded via XXXX ( loan XXXX XXXX ) The product caused over XXXX in damages to my wood floor. I reached out to XXXX explained and was instructed all they could do was refund XXXX and take back the machine but if the damages needed repair, they advised to reach out to the manufacturer, I did and they took the machine back. I made XXXX and XXXX aware starting in XXXX. Providing emails and proof from the manufacturer I was no longer in possession of an item I was still paying on. I was ping-ponged back and forth. XXXX said they needed XXXX to tell them it was returned, XXXX stated they did but because it wasn't back to them they can't. I went on like this for months all while having autopay on for an item I didn't have, finally, XXXX I was fed up and demanded it is rectified via arbitration on both ends, I shouldn't pay for an item I no longer had, I then heard back from XXXX who after searching found all the proof sent months back and communicated with XXXX  who then on XX/XX/ confirmed they were fixing this and considering it paid in full and provided me the email stating it was satisfied in full and indicated they were sending a check for {$25.00} as I overpaid. On XXXX apparently, an email was sent that I didn't see stating they were putting me into collections for {$25.00}. I provided the collection company the proof and again back at it emailing XXXX  asking why this was done and IF I owed money why would they send me a check and state in the email I overpaid. Now it shows as collections of 60day on my credit, it ruined my chance at a loan I needed, Im being harrased by debt collectors for this a and suffered a hit to my credit and was denied a loan that I needed for a repair. This should be illegal, how come they are only made to " correct '' the report but the damage to me is far worse and lasting especially now the underwriting dept has it as I was under a collection.. I am demanding retribution and am looking into legal guidance and to what can be done. ALSO, YOU WILL FIND IN SCREENSHOTS THERE ARE MISSING CONVERSATIONS FROM XXXX THAT I SAVED BUT IN THE PORTAL THEY ARE NO LONGER THERE. XXXX WAS THE LAST PERSON I SPOKE TO WHO HAD HANDLED THE REFUND. NOW HIS CONVERSATION IS NOT FOUND so that is another aspect of fraud I request being looked into I appreciate all who help, thank you
Product: Money transfer, virtual currency, or money service

To whom it may concern : As the only computer literate in our family, Paypal is the only virtual wallet account where I could get my income from XXXX. However, as soon as I created my paypal account, paypal have put limit on it making my account prohibited from sending and receiving any money. I have talked about this with them but they poorly responded with what I can do regarding about this. At this point I think they are not doing their job very well. After a week, I received an email from then saying I can no longer use paypal for no reason at all. I am worried because they only not closed my account but also hold my money ( XXXX $ ) for 180 days. They did not even state if they ensure I will get my money. I hope this complaint finds you well as this is my only source of income.