23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX  i had made a purchase for two stainless steel automatic watches. They were apparently custom watches of highest quality which were made to look like XXXX style watches. I had ordered them and paid {$1300.00} using my Discover credit card. I received a package from XXXX which either way only contained ONE watch and not two that i ordered so that issue number 1. 

With the watch i did receive, it was nothing like what was shown in the images and it was a cheap XXXX  branded fake that i think anyone with any type of eye sight could see. I did NOT order a XXXX   or replica watch. 

XXXX sided in my favor but for some reason did not refund my money, i forwarded this to Discover but they did not care. They also did not care about receiving only ONE of the TWO watches i ordered and still insist in charging me {$1300.00} and saying the charge is valid. The seller responded by saying he did not sell a counterfeit XXXX  but a XXXX  XXXX but if you search online ... a XXXX  XXXX is a high quality counterfeit XXXX. I had reported the listing and seller which was removed and they banned the seller from XXXX  YET discover still believes the charge was valid though i only receive one of the two watches i ordered and provided them pictures of the counterfeit product which i would say its illegal for them to say this counterfeit product is a valid charge. 

i offered to file a police report and they still did not care. They are saying i did NOT return the product but thats due to XXXX  not asking me to return anything. PLUS it is illegal to use the united states postal service to mail counterfeit products especially overseas. 

i was not told by anyone to mail anything back nor did the seller request this single watch back. They said i received a empty box in the report when i clearly sent pictures of the single counterfeit XXXX replica i received. 

The seller is a liar from a foreign country that is clearly committing fraud and looks like Discover is encouraging it
Product: Debt collection

I had a mammogram done that was paid for with a grant from XXXX common fund. Then they called me in for a second mammogram because I had aXX/XX/XXXX I was assured this would be paid for through the Grand as well. A few years later I received notice from aams that I had a debt with them. I had never received a bill and did not know I had a bill that went to collection but they told me there was nothing I could do at this point except pay it. So I made payment arrangements and I've been paying them monthly straight from my checking account every month without a missed payment. They show I am late every month on my payment to them. However I have not missed one payment or been late since I found out about this debt. I don't feel this is right as I have been making the payments as agreed every month. This is affecting my credit and making it impossible for me to rebuild my credit so I can buy a house.
Product: Payday loan, title loan, or personal loan

I reached out to Citizens bank many times to fix this " mistake '' made by your company onmy account. This account is showing that i have two late payments one for 30 days and one for 60 days which is not true at all. I've tried everything to get this situation handled quickly as possible. The late payment status showing should be removed I was never late on XX/XX/XXXX or XX/XX/XXXX. They never marked that i disputed this with the credit companies.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX Bank regarding their failure to resolve a dispute and the subsequent illegal sale of my information to a third-party debt collector. 
I initiated a dispute with XXXX XXXX Bank concerning a transaction on my account. Despite providing all necessary documentation and following their dispute resolution process, the issue remained unresolved. XXXX XXXX failed to address my concerns adequately and did not provide a satisfactory resolution. 

Following the unresolved dispute, XXXX XXXX Bank sold my personal and financial information to a third-party debt collector without my consent. This action violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The third-party debt collector has since contacted me, causing undue stress and harassment. 
I request the CFPB to investigate this matter and take appropriate action against XXXX XXXX Bank for their failure to resolve the dispute and the illegal sale of my information. I also seek assistance in ensuring that my information is no longer shared without my consent and that the third-party debt collector ceases all contact with me. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea why. I check my report regularly, but this time, there were sudden discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inquiries were still there. Im incredibly frustrated and want the documents I sent to be reviewed thoroughly, so I can stop worrying about this once and for all.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my consumer credit report that do not belong to me. I have sent the required document per federal law to have them removed including the FTC report, ID, proof of residency, and a letter including the accounts that must be removed. Transunion has already received all of these documents. It has been more than 4 days. They still have not removed these accounts from my consumer credit report.
Product: Debt collection

On XX/XX/2021 I settled with the Debt Collector XXXX XXXX XXXX On Capital one and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureau. XXXX XXXX XXXX has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). 

XXXX {$1300.00} XXXX {$520.00}
Product: Credit card

We were victims of identity theft, and fraudulent charges were placed on our credit card. 

We contacted Chase about the fraudulent charges and closed the card. 

Chase Bank ( Chase Freedom Card ) removed most of the fraudulent charges, but the reposted one charge. I believe it was because the merchant pushed back. The charge was {$130.00} from a Laundry equipment company. 

We also filed a police report with the local Police Department. 

Chase told us we had to talk to the merchant with which we had no relationship. Chase 's agent requested more PII from us to send the merchant which were were not willing to share as we have no relationship with this merchant. We have no recourse via Chase to resolve this fraud. 

We have since tried many time to call and work with Chase to remove fraudulent the charge to no avail. The prior CFBP complaint yielded no additional investigation from Chase. 

We have been a good customer with Chase for decades, and used them for most of our credit card purchases and always pay our bill on time. 

Chase has not offered the arbitration designated in their card member agreement. 

We kindly request the the CFPB to include our calls with Chase in their next audit exam.
Product: Debt collection

I had a very serious medical issue lasting from very early XX/XX/XXXX & it is still ongoing. I was XXXX XXXX XXXX XXXX  XXXX XXXX XXXX from the XXXX XXXX I was in ( XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX in XXXX PA. I never disputed this service even though I was unaware at the time due to Covid ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I NEVER received a bill from the XXXX XXXX for the ride. I did receive a check to cover almost all of the transport charge from my insurance company. My standard practice is never to just deposit these checks until I receive a bill & then I write a personal check to pay for the service. On XX/XX/XXXX I received an email from my cousin who was contacted by XXXX XXXX from Commercial Acceptance Company looking for either me or my power of attorney. I called the number she was given only to find out that instead of sending me a bill for services the XXXX XXXX just sent the bill to a collection agency. ( XXXX is the direct line for XXXX XXXX ). The rep for the agency was not very nice & blatantly lied to me about my cousin being on my list of contacts. She most definitely was not but I do recall her being listed as a potential contact when I have XXXX  my name. I told XXXX that I had to look for paperwork before I would pay. I found an expired check from my medical insurance made payable to me. I left XXXX a message saying I wanted a paper bill from them & I also wanted proof that the XXXX XXXX had sent me bills because if they had I would not have this expired check in my possession. I have no phoned Commercial Acceptance back & have not contacted the XXXX XXXX XXXX XXXX. First off for a company to not send a bill & just give paperwork to a collection agency is bad enough but for someone from the collection agency to lie about my contact list is really unforgivable. I have another expired check for the same XXXX XXXX XXXX XXXX for a different transport but have heard nothing from them as far as a bill goes. Am expecting to hear from a collection company for that too. Very shady tactics from both companies.
Product: Debt collection

The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, there are two late payments listed on an account for which I made timely payments. The Dates are XX/XX/year>, and XX/XX/year>, It is essential that consumer reporting agencies provide information that is completely accurate. 

I have attached a copy of my report to this complaint, highlighting the dates in question. Please investigate this account and update the payment status to reflect that these payments were made on time. 

Thank you for your understanding and prompt attention to this matter.
Product: Checking or savings account

I had an unauthorized charge on my Debit card for {$840.00} on XX/XX/XXXX. I filed a dispute with my Bank ( Huntington ) when i saw the transaction on XX/XX/XXXX this is a second account and i manage my funds using a checkbook not online, and in 5 days they declined the dispute saying that the charge was only 12 miles from customers home address. That is the only reason that they gave for declining it. And i am now out XXXX dollars. I have tried to go into a branch and figure out more about the merchant ( XXXX ) but no one can tell me anything. I have tried filing a disupite again in a branch but no one seems willing to help
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the response to my inquiry. However, I disagree with multiple components of the response. I was never, at any point, contacted by Toyota to address any concerns for potentially late payments and/or credit markers. Each and every time I requested a deferment. Your records will show that I did request a deferment for other months, correct? Then please ask yourselves why would I have failed to do so for other months when I knew this would prevent a credit marker? I feel as though this reporting is unjust. I have dealt with Toyota on multiple occasions and the most recent accounts ( one was just under my wifes name ) never once had a negative payment. However, there were times when we neared one and never once received a call of any sort from Toyota. I also never received correspondence via mail but if I did, it would have been too late. These late payments are adversely affecting my credit score but I no longer have documentation to support otherwise given that it was 5 years ago. Instead, Im forced to rely on what I feel is faulty reporting and an attempt to cover the tracks of Toyota by insinuating that attempts were made to help me. I am very familiar with the process, as evident in deferments that were granted for other months but were documented properly, so why would I not have done that for other months? I also always paid and my account was closed in good standing. I had other payments that were recently corrected via Toyota on this account ( XXXX payments not yet due for removal ) so I know that mistakes were made previously leading me to believe that these are in fact inaccuracies. I request a reconsideration. If call logs can not be produced, then essentially it is my word vs theirs and given that theyve already shown to make mistakes, I will assume that I am correct. I didnt always have the most stellar payment history, but I KNOW I made these payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account number XXXX is wrongfully appearing on XXXX, XXXX  and experian credit bureaus.on XX/XX/XXXX i paid XXXX dollars cash for a {$170.00} charged off amount in XXXX.the date of first delinquency was in XX/XX/2015. 
XXXX XXXX in violation of CALIFORNIAS ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT CHARGED ME AN XXXX DOLLAR FEE TO PAY THEM THE XXXX DOLLARS CHARGED OFF ON ALL THREE CREDIT REPORTS. 
ORIGINALLY THEY TRIED TO TELL ME I OWED {$360.00} TO PAY THE {$170.00} DOLLAR CHARGE OFF OF XXXX.THE PAYMENT HISTORIES HAVE ALWAYS BEEN INACCURATE ACCORDING TO THE FCRA AS WELL AS THE CHARGE OFF DATE THAT THE FCRA ALSO PRESCIBES THE CORRECT METHOD AND DATES. IN ANY CASE " PAY ME '' FEES ARE ILLEGAL IN CALIFORNIA IN ANY AMOUNT OF MONEY. " PAY-ME '' means fees charged to handle payment of the original debt, to accept payment of the original charged off debt. 
THIS ACCOUNT WITH PROOF OF THE ABOVE ATTACHED HERE SHOULD BE IMMEDIATELY DELETED FROM THE BUREAU 'S CREDIT FILES.
Product: Debt collection

This company has called me repeatedly even after they were asked to stop. They have called me from several different phone numbers. If I block one they call from another. They have even had the audacity to leave me several voicemails stating to respond before they begin legal proceedings I have no idea who they are and I do NOT owe them a debt. Even when I do answer they dont say anything. I have requested validation of the debt numerous times and never received it. They also failed to send me any written notice that any debt exists. I have been called at the dates and times listed below even after my request that they cease and desist. 

XX/XX/2019 : XXXX XXXX MST, XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  EST XXXX : XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX MST. 

They are violating my rights and the FDCPA. If they attempt to report ANYTHING to any credit bureau this will be a violation of the FCRA.
Product: Money transfer, virtual currency, or money service

I was selling a product and cash app business accounts supposedly requires additional action. I did so and not they stole about XXXX dollars from me. And requested I open an account with some random bank, that never got open. Now there saying they can give me my money but are requiring that I give them another XXXX no way Im doing that. The owe me XXXX and I asked them to take it out of the money and they saying that cant do that.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I order merchandise from XXXX. After reviewing all the customers reviews and trying to decide what size to order, XXXX sent the incorrect sizes, items received was nothing like the pictures shown, sizes were XXXX sizes which was extremely small. The shoes order was XXXX sizes and the wrong sizes, color. I disputed my transactions with chase for {$380.00} and received a letter of denial, chase took {$380.00} out my account and left my account on negative. I lost {$380.00} to merchandise, I cant use. Why is XXXX accepting these vendors from XXXX. The XXXX hair received had lice in the bundles, I reported all this to my bank, this is unbelievable, I am owed a refund of {$380.00} back to my bank account. After I received the merchandise, I was diagnosed with XXXX, I am convinced, with these XXXX vendors on XXXX selling in America, and sending incorrect items to America thats XXXX invested. I have proof that I cant even put my leg in any of the merchandise, everything was extremely too small. They were all XXXX sizes
Product: Credit reporting or other personal consumer reports

I found an inquiry on my Transunion credit report that don't belong to me. Spoke to Transunion representatives on XX/XX/year>, XX/XX/year> and XX/XX/year> and was told to file a FTC report and it would be removed. I filed the report and it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in correspondence with their general customer service department and they are not investigating the negative information properly. They are very scripted, and this negative reporting is causing me great stress. I have provided more than enough enough documentation to get this negative reporting removed but they are not looking at the correspondence I have sent. So, I am now escalating this to your corporate office. Please read the information below and update this account as soon as possible. 
I opened this account on XXXX in good faith that I would be treated fairly by your bank. I always pay this account in full and I am never late on any of my credit card accounts. I contacted Barclays Bank and told a representative I was setting up my payment through bill pay with my bank, XXXX XXXX XXXX. The representative told me that they would place my account on a temporary deferment as I was affected by the pandemic with work but if I wanted to proceed with the payment, I could.

My Barclays accounts was set up through bill pay with my third-party bank, XXXX XXXX XXXXXXXX and it was scheduled to be taken out on XX/XX/XXXX. 
Unfortunately, I experienced compromised activity on my bank account with XXXX XXXX XXXX on XX/XX/XXXX. 
I was assured that while my accounts were being investigated with XXXX XXXX  XXXX, my reoccurring charges would be made with Barclays. 
The missed payments were due to my banks error, as they failed to see that I had a payment for my Barclays credit card and flagged the payment " fraud '' and did not make it without my knowledge. 
I have attached a letter from XXXX XXXX XXXX showing that this was a bank error. 
To make matters worse, your company is reporting me 30 days past due when this was supposed to be on deferment anyways. AND this is over a {$13.00} charge!!!!!!!! {$13.00}!!!!!!!!! 
Your institute advised me this would not report back in XX/XX/XXXX but it is still reporting and now it is not being investigated.
Product: Mortgage

We have an FHA loan with Wells Fargo Home Mortgage ( WFHM ), which we refinanced with another mortgage company, XXXX, on XX/XX/XXXX, When XXXX requested the payoff amount, WFHM included an additional interest of {$1000.00} for the month of XXXX, even though we closed on XXXX. Per WFHM, FHA requires loans to close on the 1st of each month and because our closing was XX/XX/XXXX, they are charging an extra interest for the month of XXXX, even though loan was fully paid on XX/XX/XXXX. According to FHA regulations, payoff of loans with a note date on or before XX/XX/XXXX XXXX our loan is from XXXX XXXX, allows lenders to charge interest for the entire month regardless of loan closing date. HUD 4155.2 3.A.2.b-c also applies to this case. Our XX/XX/XXXX payoff did include a full month interest for XXXX, along with principal, and fee. Charging us an additional interest of {$1000.00} for the month of XXXX violates HUD and FHA regulations cited above. WHFM committed an ILLEGAL act by charging me XXXX 's interest after an XX/XX/XXXX payoff. I directly filed a written complaint with WFHM on XX/XX/XXXX but, as of yet, they have not provided a written or verbal resolution. I have also filed a complaint with the NJ Department of Banking and XXXX.