23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IQ data international , inc filed a collection that I am not responsible for. Additionally, I do not know what apartment the collection is for as I rented two and the dispute is attached to neither apartments. I did not receive any communication other than the collection was a cleaning fee after it hit my credit. No one gave me time or the opportunity to settle this prior to collections. They say it was for a XXXX bedroom carpet cleaning fee and then changed the dispute for the laundry room. The XXXX bedroom did not have a laundry room. The XXXX bedroom was left in excellent condition. The XXXX bedroom carpet was due for a replacement to hard flooring as I had lived there over 6 years. I was given the opportunity to take the new flooring or to wait to have it installed after I moved out. Management said they change the flooring every 5 years. Since the carpet was to be replaced in the XXXX bedroom to hard flooring it makes no sense to charge a carpet cleaning fee. The laundry room damage was from the upstairs apartment washer which flooded twice. I do not know what apartment this debt is for and no one will tell me. I can not attach any files because I have not received anything that informs me exactly what the debt is for or what apartment it is for.
Product: Credit card or prepaid card

I opened my first credit card to establish a relationship with USAA in XX/XX/XXXX. When I received my credit card it had an inaccurate name on it ( Last name started with XXXX instead of XXXX ). I chose not to activate this card with inaccurate information. Unknown to me, there was a {$14.00} shipping charge when I opened the account, which I never received a bill for ; neither in my mailbox nor an email informing me my bill was ready ( which was the case when I had an activated credit card with USAA ). Because my information was inaccurate and this account was never activated, I never assumed an issue when I never received a bill for this account. I checked my credit report in XX/XX/XXXX, and to my surprise found XX/XX/XXXX- XX/XX/XXXX late payment status for {$17.00} on this account. I immediately called customer service and paid the overdue {$17.00}. If I had any knowledge of the {$17.00} (! ), I would have paid it immediately. I have never missed a payment and I most definitely would never ruin my credit over {$17.00}. I have asked for credit reporting to be corrected for my account that portrayed inaccurate information on my card, that was inaccurately charged to an account that I never activated, and of which I was never accurately notified of my {$17.00} debt. Additionally, I immediately paid this {$17.00} debt when I, through other means than USAA, discovered this {$17.00} debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an huge problem ok I'm on this program an I know my thoughts correctly an fars as I'm concerned I'm supposed to get paid for identity theft ok now I have told these people NUMBEROUS TIMES about resolving this situation an it's still not fixed now I don't want to get ugly in any situation but if I'm supposed to get my payment I should of been got or received a check in the mail by law now what is the problem I need some answers immediately I'm done with all the waiting I'm not getting any questions answered my identity is being stolen people constantly using my name for things I still ain't got anything disputed my credit score is below XXXX now come on now I deserve some kind of JUSTICE HERE PLEASE
Product: Vehicle loan or lease

They violated code 15 USC 1635, Under Section 1635 ( f ), if a lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures, an extended right of rescission is provided that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first. It's not in the contract nor they didn't send you a separate copy and it give you right that helps protect you against high-pressure sales tactics used by unscrupulous lenders ( XXXX XXXX XXXX XXXX. 

I have been paying Fifth Third bank my payments and installments. But on the contract it states that the creditor is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. 

My XXXX insurance was purchased and it was not listed on my contract or loan documents. There's no transparency. 

Please see attached the FTC report
Product: Prepaid card

Subject : Complaint Regarding Violation of Terms for Virtual Account InComm/XXXX To Whom It May Concern, I am writing to file a formal complaint regarding a violation of terms and unfair practices by InComm, operating through XXXX XXXX XXXX XXXX 
Account and Contact Information Company Name : InComm / XXXX XXXX XXXX XXXX 
Customer Service Number : XXXX Customer Care Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virtual Account Number : XXXX XXXX XXXX XXXX Expiration Date : XX/XX/XXXX Refund Amount : {$62.00} Refund Date : XX/XX/XXXX Nature of the Complaint According to the terms provided by InComm/XXXX : 1. Funds Expiration : The terms explicitly state that funds on the virtual account do not expire, even if the virtual account itself has an expiration date. Upon expiration, customers can contact customer service to access the remaining balance.

2. Returns and Refunds : Refunds credited to the virtual account by merchants may not appear immediately but will post as soon as received.

However, the company has violated these terms as follows : A refund of {$62.00} was credited to my virtual account on XX/XX/XXXX, yet the company removed the funds on XX/XX/XXXX. 
Despite contacting customer service at XXXX, the company has refused to provide access to these funds, directly contradicting their stated policy. The employees name was XXXX and the supervisors name was XXXX XXXX. 
Supporting Documentation I have attached the companys terms of service ( accessible publicly here ) and other relevant evidence to substantiate my claim.

Desired Resolution I request the immediate reinstatement of the {$62.00} balance to my virtual account. Additionally, I ask that the CFPB investigate InComm, XXXX XXXX XXXX XXXX. for potential non-compliance with their own terms and applicable financial regulations. 
Thank you for your assistance in addressing this issue.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for continuing to report inaccurate, unreliable, misleading, and incomplete information regarding an account furnished by XXXX XXXX, despite more than ten disputes and multiple phone calls. 

Issues with the Reporting of This Account : Incorrect Date of First Delinquency ( DOFD ) The reported DOFD is incorrect, leading to improper re-aging and extending the reporting period beyond what is legally allowed under the Fair Credit Reporting Act ( FCRA ). 
Obsolescence This account has exceeded the legally permitted reporting period and should have already been removed from my credit report. 
Missing Important Information The account is incomplete, lacking critical details necessary for accurate reporting, which makes the entry misleading and unreliable. 
Failure to Correct Disputed Errors I have disputed this account more than ten times, yet TransUnion has repeatedly failed to correct or remove the inaccurate and incomplete information. This demonstrates a willful disregard for FCRA compliance and consumer rights. 
The inaccurate DOFD, improper re-aging, and missing information make this account unreliable and non-compliant with FCRA regulations, which require consumer reporting agencies to ensure accurate, verifiable, and complete information. XXXX failure to address this issue after repeated disputes has caused continued harm to my credit standing.
Product: Debt collection

I received notification on my credit report that there was a collection account from LVNV funding LLC. I did not recognize the account so I contacted the original creditor that was listed as XXXX XXXX  and I contacted LVNV Funding via Certified letter return receipt requesting that the debt the company was trying to collect funds on be validated. I specifically requested a copy of the contract which LVNV funding refused to provide to me. XXXX XXXX  stated they did not have a contract and ceased all collection attempts. Out of retaliation LVNV finding took the debt and re-aged the date that was listed, which is illegal. On the original count that they were trying to collect on LVNV stated that the original collection account was opened in XX/XX/XXXX, however out of anger they re-aged the date to show that the account was open XX/XX/XXXX. Originally this account was listed as a charge off LVNV decided to open the account and listed as an open account with their company as if I have credit or an account with them directly. LVNV finding has refused to provide me with a contract showing that guy had services with either their company or XXXX XXXX. They have refused to show me any documents showing that they are within their legal rights to collect on this debt. The only document that they sent me was a bill from XXXX XXXX that was dated XX/XX/XXXX. The bill that they sent is requesting payment on that specific date yet on another document that LVNV sent to me is stating that their company acquired the date on XX/XX/XXXX. The document also states that the debt was charged off on XX/XX/XXXX which is in entire month prior to the new re-aged date that LV in funding has stated that the account was opened. LVNV funding is using lies and deceit to try to force me to pay this debt that they are trying to extort money from me. As of todays date LV in funding has not provided any documentation proving that I owe this debt. They have not proved where this debt originated from. They have proved that they will use any illegal deceitful tactic to collect on this debt.
Product: Checking or savings account

On XX/XX/, I received a paper payroll check in the amount of {$870.00} from XXXX XXXX XXXX XXXX ( XXXX XXXX  ). On that same day, I used mobile deposit to deposit the check into my bank ( South State Bank ). After the check was deposited, I discarded it in the trash without shredding it. 

Somewhere in between, someone took the check out of the trash, washed the check, and cashed it at XXXX XXXX  XXXX XXXX. 

On XX/XX/, XXXX XXXX  XXXX XXXX presented the check to my bank ( South State Bank ), and the funds were removed from my account. 

First, I called my bank. They explained what happened and advised me to call the XXXX XXXX  XXXX XXXX to dispute the cashing of the check. XXXX XXXX  told me to call my payroll to start a dispute. 

XXXX XXXX  ( my employer 's payroll ) said they could not file a dispute because they only have a record of my mobile deposit and advised me to call my bank to file a dispute. 

South State said they can not file a dispute because they do not have a physical copy of the check. 

No further advice has been given.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Applied for a refinance loan to cover mtg. and one personal. Their rep came to my house. Collected personal documents ( W-2s, Tax returns 2yrs., pay stubs ) I paid for an appraisal ( XXXX XXXX XXXX ) My loan processors were ( XXXX XXXX XXXX and XXXX XXXX XXXX. ) I was told that this would be completed in 10 days. This was the last week of XXXX. I was told not to make any Mtg. pmts. going forward. This cost me a {$92.00} penalty due to waiting on the lenders. I also spent almost {$600.00} for the appraisal. I was told the day their rep came to my house that he would return my personal documents via mail after he made copies of these. Have not received them as of yet. The appraisal came in short and they kept telling me to wait for them to try another method for the loan after 2 mo. XXXX XXXX offered me an ARM loan which I said no to. I haven ' received a copy of the appraisal report nor my personal documents. I have tried to contact both loan processors to no avail. The wont answer my calls or emails.
Product: Money transfer, virtual currency, or money service

Hello! 
I have problem with paypal, they close all my cases against scammer seller who didn't ship the products to me. 
They shut his account and they didn't refund me as they will lose money as the seller already cash out the funds from his account. 
any help will me much thankful. 
My paypal account is under : XXXX XXXX regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is being traffic!! ( see attached ) BECAUSE OF YOUR FAILURE TO PROTECT MY NON-PUBLIC PRIVATE INFORMATION companies are now taking my likeness, my personal federation protected private information and are assembling a consumer report that is supposed to reflect who I am all without my consent all without my authority in so present now I am unable to get credit card, home loans, and suitable employment.
Product: Money transfer, virtual currency, or money service

I was instructed to wire a deposit to Coinbase, so I followed their instructions. However, there was no space in my XXXX Wire Transfer form for Coinbase 's specific alphanumeric reference code, so 1 day later, I made an amendment request through XXXX to amend the " special instructions '' section to include it. At the time, Coinbase promised the deposit will be available in 3 days, or that it will be reversed back to the bank that had sent the funds within 5-10 business days. It has been over 30 calendar days now since I first submitted the wire, and I have still not received the funds into my Coinbase account or back into my bank.
Product: Credit reporting

An account with XXXX XXXX was foreclosed in XXXX, XXXX. The credit reporting agency XXXX and Experian still displays that the account foreclosure is still in progress. XXXX is the only credit reporting agency who rectified the information. The account was foreclosed in XXXX, XXXX and they still have it reported as of XXXX.
Product: Debt collection

Called XX/XX/XXXX ( XXXX XXXX XXXX ) to inquire about an account and amount reflected on my credit report. Representative said she would transfer the correct department. Transferred Representative stated that he was in the " Litigation Department. '' Confirmed account information, and stated that " my account has NOT been reviewed by an attorney. '' Then asked whether I was calling to make a payment. I asked him, what do you mean " it has NOT been reviewed by an attorney. '' Then representative stated - " I apologize in advance, the account has been reviewed by an attorney. '' I asked him to provide me with the attorney 's name. The representative declined. After I asked to speak with supervisor, he restated the same information, and warned me that the case has been filed in XXXX, GA. I asked by whom. He again refused to disclose name. Transferred me to supervisor, and supervisor explained more misinformation and finally provided four names of attorney 's along with their state bar license numbers. 

I never had any contractual obligation with XXXX XXXX XXXX, and I believe that this company is making representations that I have in fact had a prior relationship with them ( " last time you paid on the account was XX/XX/XXXX '' ). However, the company purchased my information XX/XX/XXXX, and attempting to blemish my reputation and file erroneous information to courts of law. I believe XXXX XXXX XXXX to be in violation of the Due Process Clause of the 14th Amendment to the United States Constitution, Fair Debt Collection Practices Act, and Unfair, Deceptive and Abusive Acts/Practices ( Dodd-Frank Act ).
Product: Prepaid card

On XXXX XXXX, 2016 at approximate XXXX, I attempted to withdraw {$40.00} from an ATM machine. The money did not disperse instead I received an ATM receipt stating Decline due to HOST ERROR. I stepped over to the next ATM machine and was able to process my {$40.00} transaction. The next day on XXXX XXXX I checked my account and noticed that the first transaction that did not process was taken out of my account in the amount of {$47.00} ( {$40.00} plus {$5.00} ATM fee plus {$2.00} AMEX Serve fee ). I called AMEX XXXX to inform them and they emailed me a transaction dispute form on XXXX to complete and email back to them. I completed the dispute form and attached the ATM receipt that stated DECLINED HOST ERROR the same day XXXX. I received an email back from AMEX XXXX on XXXX stating my dispute was decline and when I called to find out why they stated the owner of the ATM provided documentation that the transaction did dispense the {$40.00}. I spoke to several reps and reps claiming to be supervisors at AMEX XXXX on XXXX and XXXX explaining the situation and asking for the documentation the ATM owner provided with no success. The last person I spoke with was XXXX. He stated that he was from the dispute team and that there was no way I can prove my dispute and there was nothing he could do for me. On Monday XXXX I received an email from AMEX Customer Service stating my account has been permanently suspended due to violation of consumer agreement. I called to speak to someone about the remaining balance of {$210.00} still on my card and what violation took place. Customer Service stated I will receive a check in the mail but did n't say when that would be mailed out.
Product: Bank account or service

Five years ago I went to Wells Fargo to get a CD for {$5000.00} for five years for 1/2 % interest. Last week was the five-year maturity date, I went to the bank to cash it out and was told that Wells Fargo gave me the wrong product five years ago. I did n't know this at the time, that the product I was given was not the product I asked for. The manager explained that usually when people come in and ask for a CD, it 's because their accountant told them to get a retirement account. Wells Fargo thought that 's what I was asking for. Five years ago, the Wells Fargo banker was n't listening to me and gave me the wrong product? I do n't have enough knowledge to know it was the wrong product. I ask for a {$5000.00} cd at 1/2 % interest for five years and Wells Fargo gives me the paperwork to sign, which I do, not understanding the difference between what I asked for and a retirement CD. 

This morning a manager from Wells Fargo Branch in XXXX XXXX, CA on XXXX and XXXX XXXX XXXX. ( where this deal originated ) to let me know that because I signed their paperwork, there is nothing they can do to remedy this situation. So Wells Fargo got my {$5000.00} for five years and I 'm told that not only will I not get the $ XXXX interest I thought I earned, but I will be penalized for taking the money out " early '' when I turn XXXX years old in XXXX ( have to wait until XXXX or I 'll be penalized even more! ) I will get less than my initial {$5000.00}, because 11 % will be deducted to pay state and federal taxes or fees or whatever you want to call my hard earned money that I get to give away. Wells Fargo benefits from keeping my money for five years without having to pay me anything and the government gets their fees, and I get to pay both of them for my trouble. 

These too big to fail banks are getting away with too much, they need to be broken up. Why is it that they can launder drug money ( Wells Fargo bought Wachovia ), crash the economy in 2008 by selling loans to people who could n't repay them, take billions in taxpayer money to recoup their losses, pay lobbyists to weaken the new legislation trying to rein them in, and steal money from people like me who have no leverage make them to do what is right and correct their mistakes - with no negative consequences for the banks? 

I used to work as a XXXX. When my clients were about to sign disclosures and contracts, I sat down with them and reviewed each paragraph to make sure they understood what they were signing, I had a fiduciary responsibility to do so and I took that responsibility very seriously. Wells Fargo should have taken the time to review with me what I was signing to make sure I was getting what I asked for. I hope you can help me. Thank you. PS : I 'm voting for XXXX XXXX because he 'll work to break up these banks, they are doing so much harm to all us and our economy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been dealing with this issue since XX/XX/2022 with Equifax of a file mixed up. Even after the dispute, police report, phone calls, Equifax is still addressing me by the wrong person and wrong poor credit score affecting me greatly. Even after sending in personal documents showing that its me. Which also proves you cant even trust to do that. This other person they have me mixed up with gets to reap the benefits of my once excellent credit score while I get the short end of the stick. Not only is this extremely scary to know this other person can see all of my personal information address social ect, they are able to get loans and credit cards off of my credit. I constantly receive this person mail of credit card offers while I was denied a car loan and missed out on getting my car due to this which I went all the way to another state to get, which is how I found out equifax made this huge mistake. The other credit bureaus display my correct credit score and information while equifax doesn't and wont change. Its displaying a poor credit score of XXXX I dont understand how this company can still operate dealing with peoples Personal information and life while making a huge mistake such as a file mixed up and nothing is being done. I must constantly send in my private information such as ID card and social security card to a company that receives it and still doesnt even acknowledge the wrong to fix it! This is absurd, terrifying and stressful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 20 Years I didn't been in USA and those accounts must be deleted asap. Asking all banks and credit unions to remove these accounts from my credit report. XXXX and XXXX already removed most of them please follow them and do it by the Law.
Product: Debt collection

Someone opened a checking account from XXXX XXXX  in my name I've never banked with XXXX XXXX  I think it was my sister but I don't have proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with Experian and they refuse to correct the reporting.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus have my student loans on my account which have been closed and forgiven and on top of that my XXXX credit card which is closed is still on there and its affecting me for loans, or really anything I need. Also XXXX is to blame also. I just want it off my credit report and to help my score rise! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Council Reporting Act, these following account numbers have violated my rights : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

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