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

XXXX made a purchase with the online company " lXXXX XXXX XXXX XXXX '' located in China. 
XXXX delivered to local post office with insufficient address merchandise returned back to merchant. 
XXXX consumer contacted merchant asking for a refund as the merchandise took too long to be delivered and the shipping address was entered correctly online as billing address had to be input. 
XXXX merchant stated they will re-ship to consumer but will need to pay shipping fee. 
XXXX consumer does not want merchandise and would prefer a refund. consumer does not hear back and decides to contact credit card company as this seems as it it may be a fraudulent sale. 
merchant does offer credit but this is after consumer had already contacted credit card company, then merchant denies credit. 
XXXX Barclays sends letter to consumer stating they need more information on case. The letter states that they tried contacting customer on specific dates, but customer has not voice mails or emails. The envelope is post dated XXXX. The letter states customer needs to respond within 10 calendar days or they can no longer pursue case. 
Customer calls Barclays and speaks to an agent they tell customer to send dispute letter with proof tickets and messages to Barclay and that the case will move forward. 
Customer sends letter and screen shots of all of these on XX/XX/2022. 
On XX/XX/2022 customer receives another letter stating credit card company will no longer help customer specifically stating '' we are outside the permitted timeframe to continue this claim through the dispute process ''. 
Customer makes multiple calls to Barclay, but unfortunately is treated with disrespect and unfairness Customer is hung up on multiple times and put on hold for over 45 minutes. Is also told no supervisor can help. On one occasion is told to contact the merchant. Customer had already attempted to contact the merchant. The merchant did respond stating they could not help due to the fact that the credit card company put a charge back on the sale. 
I have attached many documents related to this case. Even though this is not a substantial amount I do not feel a customer should have to pay for merchandise they never received. Credit card companies should protect their customers and Barclays is not working with me at all. At this point they are ignoring me completely.
Product: Credit card

Toys r us is reporting on XXXX a {$6800.00} charge off on my account. I only owed then {$77.00}. And the {$77.00} item was returned and never credited to my account
Product: Mortgage

I closed on my home at XXXX XXXX XXXX, XXXX XXXX, SC XXXX on XX/XX/XXXX. I am trying to figure out if my mortgage lender, Amerihome, approves home loans with inadequate insurance such as no water damage liability. In XX/XX/XXXX, the XXXX XXXX my realtor set me up with in XXXX changed my insurance from XXXX to Homeowners of XXXX and did not fully disclose there was limited water damage. My home recently had a severe water loss due to a pipe burst ( date of loss XX/XX/XXXXXXXX XXXX XXXX the Agent is saying I had zero water damage liability when I first bought my home and now I at least have some coverage. Only when the Agent said this did I discover that my first policy, the one that Amerihome approved my loan with, had zero water damage liability. It's hard for me to wrap my head around the fact that a mortgage lender, who owns more of my home than I do at this point, would allow the insurance to exclude water damage ( i.e. from burst pipes ) when they have so much vested in the asset.

When I called Amerihome about this, they would only say that the policies I had and now have met their standards and they refused to provide me with a copy of their " standards '' in writing.
Product: Debt collection

I was notified through a credit alert that a new collections was placed on my credit report. I contacted the collection agency to explain that I never received anything in writing that I owed this debt. I was told this account was open in XX/XX/XXXX and the account was in a name I havent used since XX/XX/XXXX. I have never lived at the said address associated with the account. Also I filed Chapter XXXX in XX/XX/XXXX and if this was a debt I owed it would have came up way before now. I would like the error to be removed from my credit reports now. The collection agency only wanted to talk about how I was going to pay the debt and not provide me with a letter to validate this debt Original Creditor Name XXXX XXXX XXXX XXXX Amount due : {$120.00} Opened XX/XX/XXXX ( 1 mo ) HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Mortgage

How much is XXXX getting paid per year/ or otherwise for XXXX XXXX  XXXX XXXX XXXX use the trust name " Wilmington Savings Fund society , FSB XXXX d/b/a Christiana Trust '' - this is common knowledge now that the trustees are in name only -- just want to know how much you get paid it is on your documents that you do not foreclose -- case XXXX XXXX XXXX XXXX, FL WSFS-you are suing me and I want/need Discovery
Product: Payday loan, title loan, personal loan, or advance loan

In early XXXX, I applied for an XXXX business loan on behalf of my small business through ReadyCapital. Although I was approved for the loan, I was not happy with the terms so instructed ReadyCapital 's loan processing agent at XXXX XXXX to cancel the application. I never signed any loan agreement and never received any funds. Without my consent and without any legal basis, on XX/XX/2024 ReadyCapital surreptitiously filed a UCC-1 lien statement with my state Secretary of State. I was never informed of this filing but discovered it on my own. 

When I reached out to get this unauthorized lien removed from my business, I was told that it is STANDARD PRACTICE for them to file unauthorized liens for sake of cost and expediency. See attached email from XXXX XXXX, supervisor. I have repeatedly tried to connect with their legal department, but have been repeatedly unsuccessful.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATIONS BY ALL ATTACHED
Product: Prepaid card

My name is XXXX I am a rush card customer. I have not been able to touch my account for 9 days now. Money is missing on my account. They deactivated my card when I did n't need it to be. Then I have to pay XXXX to have a card shipped to me overnight and it still has n't been processed. Call CSR no answer or they hang up, message them no response. What else is there to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX FUNDING ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00}
Product: Debt collection

I sent a debt verification letter on XXXX to the mailing address of Frontline Asset Strategies. However I never received a response, and they are now in violation of FDCPA laws for not providing verification of the debt within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX have violated my rights.

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

First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with.

These are the XXXX accounts.

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my Transunion accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX XXXX  Last reported : XX/XX/XXXX, 2018 {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3900.00}
Product: Credit reporting or other personal consumer reports

Experian has a credit reporting feature called Experian Boost, where it self-report any qualifying billing accounts to the consumer 's credit report by connecting with the banking accounts. I was notified that one of the billing providers ' XXXX was removed for no reason and when I tried to reconnect the banking account XXXX, I kept on receiving error messages on experian 's website saying bank account already connected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the U.S. Department of Justice, U.S. Senate, U.S. House of Representatives, Federal Trade Commission, and Consumer Financial Protection Bureau, requesting an investigation into the following fraudulent and unauthorized credit inquiries thats constantly listed on my XXXX, XXXX  and Trans Union credit report : XXXX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Oliver adjustment company at XXXX XXXX XXXX XXXX, WI XXXX has been sending me collection notice in {$530.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am XXXX XXXX and Im submitting this complaint myself and third party was/were involved.I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute.This information is unauthorzied and I did not approve it to reflect on my credit reports. I belevie I may be a victim of identity theft. I have a security lock on my credit reports and I was not alarted to this information being authorized on my credit reports and I am insisting that they be deleted from my credit reports as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and delete the disputed items, As soon as possible. thank you
Product: Debt collection

I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the XXXX period allotted to me under federal law. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to XXXX and XXXX penalties. 
I appreciate your efforts in this matter and look forward to your response. 


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

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.
Product: Debt collection

On XXXX XXXX, XXXX, I called Granite State Management to make arrangements to make a payment and avoid a negative credit report. I talked to a representative that was open to hear what I was saying and I told her that I forgot to make a couple of payments. She said that she understood and told what amount I owed. She said she would document that I called. I believe I asked her if there was going to be a negative credit report against me. She stated that there would not ( I believe ) as long as I made attempts to pay and because I called. I asked if I needed to make a payment that day. She said no because I said I would mail it. I was not given a specific day that I needed to pay. I mailed in a payment about a week later but XXXX the made a negative report against me. They received the payment before they sent out an email stating that a negative report would be sent out. The payment was cashed on XXXX XXXX, XXXX and the email ( re : time to avoid a negative report ) was sent on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Al-Financial Collection Manager : This letter is in response to your credit report entry related to the debt referenced above. 

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 

I did a pay for delete for the full outstanding amount through XXXX XXXX third party however your debt as AL-Financial still appears on XXXX credit report. I would like to please kindly ask that you fully remove. 


Ive worked very hard to get that amount paid off and be responsible and did so with the intention that it would remove AL-Financial as well but it was not. I have changed my financial circumstances and would ask that you understand to proceed with a goodwill adjustment. At the time of purchasing this vehicle my father took the responsibility to pay for it but he battled XXXX and ending up passing. So as he was sick I was unable to be responsible enough to cover. Please take this as a coachable moment and learning lesson. I am preparing to look into purchasing property and would like to kindly ask this item be removed from my credit report as it was fully paid in a pay for delete arrangement, it was just unclear whether the pay for delete would be with AL-Financial. The collector is now permanently closed so AL-Financial is the only point of contact. Please remove this collection completely from my XXXX. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. 


Sincerely,
Product: Credit reporting or other personal consumer reports

FRCA violations not mine not my credit cards XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} XXXX Account charged off. $ XXXX XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual never late XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual not my address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent documentation fro XXXX showing that XXXX XXXX was not on my XXXX credit report any longer. A copy was sent to Transunion showing this and asking them to remove it as well. XX/XX/2023 I get an updated copy from Transunion saying an update had been made on it. There is no way they had time to even get the copy I mailed to them on XXXX. And if they did they still didn't remove it. So this needs to be removed from my Transunion credit report since it does not show on XXXX now. And proof was provided to them
Product: Vehicle loan or lease

My Car got wrecked by a customer that rented my car through XXXX, my insurance paid off the XXXX  value of the car, my gap supposed to have covered the remaining balance but failed to do so, i didnt notice until i checked my credit profile and noticed a significant drop on my credit score.
Product: Debt collection

Debt or account is not mine, these people refuse to validate, call constantly threatening me and Ive never done any business with this company.
Product: Debt collection

I received a collection notification of a resolution opportunity from NSA or North Shore Agency that was dated XX/XX/2021. They state in the letter that they represent " HOUSE '' as the Creditor with NSA ID # XXXX & Creditor Account # XXXX in the amount of {$350.00}. I do not have an account with HOUSE COLLECTOR and believe that this collection agency is attempting to fraudulently collect from me money that I do not owe. 

I tried to contact them at the phone number on the letter and when I enter my zip code and the account # listed on the letter, the automated voice states that the information entered doesn't match their records. I also tried to contact the company through other phone # 's available online but can not reach anyone. Please help me resolve this issue.
Product: Mortgage

Select Portfolio Servicing ( SPS ) as sumed the servicing of my mortgage in  XXXX  of  XXXX  from the previous servicer  XXXX   XXXX . I spent some months dealing with   XXXX   regarding a mistake in the city taxes for my escrow payment. When they turned over the loan servicing, I believed this issue to be corrected  (  see attached letter dated  XXXX / XXXX / XXXX  ).   Shortly, upon assuming my loan,  SPS  notified me that my payment was to change from {$800.00} to {$760.00}. I contacted them immediately, asking for them to do an escrow analysis to check if the city taxes were reported correctly. (  XXXX / XXXX / XXXX , spoke with  XXXX   XXXX  and faxed a copy of my property taxes as requested. ) The month following my call, I received a refund check in the amount of {$800.00}, labeled " escrow overage ''. I called again, and was told the analysis was done and the new payment was correct. I was instructed to cash the check, as if there was an error, it could not be returned made out to me.   Within a month, I received a new escrow analysis reporting I was {$870.00} short in my escrow account. The letter made no offer to put right the account should I pay the shortage. It stated my new payment would be {$870.00} until such shortage was paid back.   I sent  SPS  the amount due for the escrow shortage ( which was {$68.00} more than the initial refund of the escrow account ).  ( I  also had paid 2 months over the {$760.00} amount and instructed the overage to go to escrow?? ) This complaint is to report the ineptitude of handling my escrow and the costly time invested in trying to straighten out the mess  SPS  created. I repeatedly contacted  SPS  to report the error, but they proceeded regardless. This is the second servicing company handling my escrow that miscalculated city taxes. Are they not responsible for contacting the city to report the correct amount for taxes?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XX/XX/XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XX/XX/XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.
Product: Checking or savings account

I had a lot of unauthorized transactions and they closed my account without me knowing and things were never taken care of and my account sometimes was missing money so I'm asking to see if they owe me a refund they owe me a refund on my account and I think my data I think my information on compromise as well as I think we'll follow have part in it I think they owe me refunds
Product: Debt collection

I am writing to you regarding a fraudulent account that has appeared on my credit report. After reviewing my credit report, I have discovered an account that I did not open or authorize. This account is clearly the result of fraudulent activity, and I demand that it be removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

THE MORTGAGE CO IS ATTEMPTING TO FORECLOSE ON MY HOME, WITH AN ASSIGNMENT THAT IS ROBO SIGNED. I SUBMITTED 2 QWR AND NEITHER OF MY REQUEST HAS BEEN RESPONDED TO. I ALSO MAILED 2 DEBT VALIDATION REQUEST AND NEITHER ONE WAS ADDRESSED.
Product: Credit reporting or other personal consumer reports

In my EQUIFAX report there are inquiries that I do not make and I do not know, and I need them to remove these from my credit report, I already contacted the entities that made the inquiries and they told me that I should contact the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it fr