23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2022, my spouse and I moved from XXXX XXXX XXXX We lived at the property for XXXX years, with the carpeting being already used before move in. After moving out, the renter tried to charge the entire cost of replacement for the carpet, despite the age and existing wear. We attempted to communicate with the rental agency, but they refused communications and pushed us off onto this collector. I worked with a lawyer to send a letter of demand to remove this fraudulent debt, but hunter warfield also refused to respond to verify the validity or legality of the transaction, instead sending the account to collections and refusing additional communication, forcing me to settle with the reporting agencies and CFPB. I have also included a copy of the original letter sent which was ignored by Hunter Warfield.
Product: Credit card or prepaid card

On XX/XX/2018 I placed an order with XXXX   for three football ( soccer ) shirts ( jerseys ) for an order totalling {$300.00} including shipping. Two of the three shirts were shipped promptly and my credit card was charged a different amount of {$280.00}. Upon checking their website after receipt of the two jerseys, I learned that the third jersey I had ordered was backordered. At the beginning of XX/XX/XXXX, after waiting several weeks for delivery, I cancelled the backordered item on their website and requested a refund of {$98.00} for the item that was never shipped. 

During XX/XX/XXXX I tried three more times to inquire as to the status of my refund through the merchants website but received no responses from them. 

I then initiated a billing dispute with my card issuer USBank on XX/XX/XXXX requesting a partial refund of {$90.00} which is 92 % of the disputed item quoted cost of {$98.00} The 92 % refund request was based upon proration of the amount billed of {$280.00} divided by the {$300.00} amount quoted by the vendor. 

Despite providing significant supporting documentation ( copies attached ) US Bank refused to provide the partial refund of {$90.00} for the soccer jersey that was never delivered.
Product: Credit reporting or other personal consumer reports

I was stunned to discover inaccurate accounts on my credit report this morning. I check it regularly, but this time, unexpected errors appeared out of nowhere. I even refreshed my browser, hoping it might be a glitch, but the mistakes remained. I am requesting that the documents I've submitted be carefully reviewed so I can finally put this stress to rest.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2022, through XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX and XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firms.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint was a follow up just for assurance that the Experian, XXXX and XXXX Credit Bureaus will not be negligent and will know that this topic was urgent. As I can tell that someone has stolen my identity. I filed a formal report to the FTC, and in accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report to this complaint and will do it again. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX CHILD SUPPORT XXXX XXXX Balance {$0.00} CHILD SUPPORT XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX 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 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: Consumer Loan

In XXXX XXXX I leased a XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX. The lease was financed through Ally ( formerly XXXX ). I made my payment every month and did not have XXXX late payment from XXXX. I XXXX and purchased a XXXX XXXX XXXX in XXXX XXXX. I received a letter from Ally XXXX XXXX stating I owed money on my previous XXXX for a sum of over {$1100.00}. I then received a statement stating I only owed a balance of {$540.00}. I contacted Ally and set up payment arrangements to take care of balance. I agreed to pay {$100.00} monthly payments. My XXXX payment was made in XXXX. My XXXX payment was made in XXXX. My XXXX payment was not made because I received a letter from Ally on XXXX XXXX, XXXX which advised me that my balance was paid and my debt was satisfied. My father also being a Co - signer received the same letter as I did. I stopped making the payments. Due to the letter I received I felt that my obligation had been satisfied. In XXXX XXXX, Ally sent me another statement advising me that I still owed an additional {$300.00}. Because of the letter I received from Ally I disputed this amount for several months. Ultimately, I paid the {$300.00} and Ally proceeded to report my account as a charge off to the credit bureau negatively affecting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a 100 % service connected XXXX veteran who is a victim of credit card fraud and identity theft. In XX/XX/XXXX I was affected by the data breach and consumer services. Also, in XX/XX/XXXX my wallet, credit cards, keys, and cellphone was stolen from my vehicle while traveling out of the country in the XXXX XXXX. However I have repeatedly contacted all three major credit bureaus mainly XXXX   providing a police and incident report. The aftermath has caused my FICO score do decline significantly. The three major credit bureaus are less responsive to solve the issues that has a major impact on my small business and personal credit
Product: Debt collection

Today, XXXX/XXXX/XXXX I was looking at my credit and noticed that ATG Credit filed a potential harmful credit report against me. I called the XXXX XXXX to dispute this issue immediately. I told them I do not know this company, I have never received any statement, request, no correspondence from them about this claim and it is not mine. I then called the company and they were very nasty to me on the phone. They had the wrong address, but they had the right name. After a short conversation they hung up on me. They have hurt my XXXX XXXX from XXXX to XXXX score. They never sent me XXXX correspondence related to this supposed debt. I would have never known about this issue if I did not check my credit online. I can not attach any documents nor give any other information because I have none.
Product: Credit reporting or other personal consumer reports

This letter serves as a final demand for the immediate resolution of my dispute, previously submitted on XX/XX/year>. Despite compliance with the Fair Credit Reporting Act ( FCRA ) and my clear communication regarding the inaccurate and unverified information on my credit report, the disputed items remain unresolved. This ongoing negligence is a clear violation of federal regulations and has caused harm to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Experian since XX/XX/XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XX/XX/XXXX asking then to remove inaccurate information in which Experian came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified by a 3RD Party vendor ( in which is not accurate ) but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and/or sent me documentation on how they verified the information that they put on my credit report.
Product: Checking or savings account

I am writing to formally lodge a complaint against Bank of America, XXXXXXXX XXXX, XXXX, and XXXX regarding their refusal to open accounts for me, as well as the abrupt closure of my account with Bank of America without prior notice or explanation. I believe these actions may reflect discriminatory practices against me as an XXXX  individual. 

On several occasions, I have attempted to open accounts with these financial institutions, only to be met with refusals and no clear rationale for their decisions. Despite my efforts to seek clarification, I have received no satisfactory explanations or reasons for these denials. This lack of transparency raises concerns about potential discriminatory practices that may be at play. 

Furthermore, I would like to bring to your attention the troubling experience I had with Bank of America. They closed my account without any notice, leaving me without access to my funds. This action has caused me significant financial distress and has further contributed to my feeling of being treated unfairly. 

I urge the XXXX to investigate these matters thoroughly. It is crucial that financial institutions uphold the principles of fairness and equality in their operations, ensuring that all individuals, regardless of their background, are afforded the same opportunities and treatment. 

I appreciate your attention to this serious matter and look forward to your prompt response.
Product: Mortgage

I applied for a loan modification earlier this year with M & T Bank. The modification process was being serviced by XXXX XXXX XXXX. The purpose of my request for the loan modification is that my mortgage payment is {$770.00} with an interest rate of 6.750 %. I live on Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate at the same rate of 6.750 % .. The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation as the price opinion based on erroneous information. The broker noted my home as being a 2 bedroom, 2 bath home with a pool. This is false. I have a 2 bedroom home but only 1 bath and no pool. I live in a rural area. The 3 comparable listings they used had either more bedrooms or more bathrooms than my home. These other homes all have more rooms than mine and are priced above {$110000.00}. Since my home is smaller with fewer rooms it should be valued at significantly less than that. It 's noted that the average time on the market is 120 days. The 3 homes were listed for 4 months, 5 months and the 3rd at more than 7 months so the 120 day figure is inaccurate. Additionally since those 3 homes have not sold their list price should not be used as a barometer for what my home is worth. Of the comparable sales they cited only 1 property sold in excess of {$100000.00}, the other 2 were at {$74000.00} and {$75000.00} respectively. The high sale had a 3rd bedroom and was 1800 sq. ft. My house is only 1122 sq ft. I 'm not sure why they would say my house that has fewer bedrooms and is significantly smaller would be valued at nearly the same price!. Finally their report shows the condition of my house to be good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous are and have no central heat..I use a wood burning stove for heat in the winter. None of this was factored into the valuation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense. We disputed the price opinion in writing but XXXX did not listen and did not order a reappraisal Finally, XXXX referred my loan to an attorney to start foreclosure which while I was disputing the inaccurate price opinion and continuing to get my loan modified. This was in violation of the California Homeowner 's Bill of Rights as it is considered dual tracking
Product: Checking or savings account

I had a company by the name of pulze charge my card like 8 times in same day and I did not authorize these charges. I have disputed charges with square/cash app and all they denied chargeback and then closed my account which is bad business as I did nothing wrong. I want to be refunded for the unauthorized charges
Product: Credit card or prepaid card

I received a direct deposit of my federal tax return on XX/XX/2021. On a cash app card and the app on phone i had just opened. Cash app through emails are saying they did not receive or reject this amount of money on my card or account number. XXXX dolars was the smount. I do not owe taxes, have a off set, or child support. This was for a recory of the 2 stimulus payments that went out. They have no answer for me and federal government is saying they deposited these funds. XXXX is who was emailing me. With no answer. Also checked return bank info was correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I permit any of these inquiries listed on my credit report. There are clear violations of my federally protected consumer rights In accordance with the Fair Credit Reporting Act. 

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 XX/XX/XXXX XXXX  I have filed and attached ID theft report below.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting my account inaccurately. I have submitted documentation through the three major credit bureaus to have this information updated and nothing has been fixed. They are reporting my account as an individual account, however it was a joint account where I was the co-leasee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts in collections but they have been set to closed and according to CRA policy, unpaid collections must be deleted immediately upon closure. This company has failed to follow fair, credit reporting policies, and request cease and desist on further collection activities and to remove all reports from all credit bureaus. 
I filed a complaint yesterday before I realize that these accounts were set to closed. I know requested they just be removed permanently and to stop all unlawful activities. This company is harassing me unnecessarily by subjecting my personal credit to unlawful damage from failure to follow policies set by the CRA. This company also got my illegally and is still continuing to contact me through Mail and Phone to try to collect debt. Do not sell this debt that you have placed in my name without my consent to any other parties. Thank you so much
Product: Debt collection

In XXXX I contacted XXXX XXXX who my Debt was with, I had no idea I owed them anything as I withdrew my daughter due to their negligence after she had had XXXX  XXXX on both eyes. I contacted the Director, XXXX, to try and resolve the issue around XX/XX/XXXX when Capital Accounts put I owed around {$660.00} to XXXX XXXX. I told XXXX I was charged the wrong amount due to my daughter being pulled out of the Daycare, there was no way I owed over {$600.00}. On XXXX XXXX, XXXX the Corporate Assistant from XXXX Emailed XXXX about the situation stating if I paid the amount of {$260.00} that she would contact the Collections company and have it removed from my Credit. The Collections company and XXXX had put I owed over {$600.00} initially which upon me talking to XXXX she confirmed that amount was incorrect, hence the Email from Corporate to XXXX. I paid in full the {$260.00} on XX/XX/XXXX. I disputed the claim on my XXXX XXXX account soon after and it was not taken off. I called XXXX at XXXX XXXX and asked why this debt was not taken off my credit yet and she said the Collections Agency was refusing to take it off. I have paid the amount I was told even though I did not owe that in order to have this taken off my credit as it is harming my Credit score.
Product: Credit reporting

Transunion has an item on my credit report from XXXX XXXX XXXX XXXX XXXXll XXXX from XXXX for XXXX dollars I disputed this item and it came back as verified. I asked Transunion to send me verification of this item within 15 days and they did not verify. Under the FCRA verification of item was supposed to be mailed to me. I want this item removed immediately. And legal counsel was obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX BANK XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX  XX/XX/XXXX {$980.00}. 
Credit Collections Service XX/XX/2020 {$980.00} XXXX XXXX XXXX XXXX, Ma XXXX File number XXXX XXXX XXXX I called On XX/XX/XXXX to discuss this debt which showed up on my credit report without warning. I told them that I was covered under insurance and do not know they did not pay it. I asked for a reduced lump sum amount to pay and get it removed off my credit report. I also asked why this bill was split in half so it was reported as 2 negative acounts having a double impact? I was told no and if not paid in full that it would be reported as a partial payment. I was told that only if I paid in full would it be satisfied and and they would remove it from my credit report but it would take 30-60 days. I paid in full a few days later and waited until XX/XX/2020 and called Credit Collections Services and asked why it wasn't removed? I was told that there is nothing they can do and that once it is reported that they can not change it. I also believe I saw that they left the negative reporting on there for 3 months until XXXX 2020. 
Thank you, XXXX XXXX
Product: Checking or savings account

Capital one has not deposited my paycheck that is due to me
Product: Mortgage

We have been working with Citi for over 8 months. They have had a complete package and " been under review with no documents requested '' for over 3 months I call and call and get no where. This short sale should have been approved months ago. There is no excuse for their treatment of files. I have XXXX with the right now and all XXXX are completely stale. I call in and there are no notes in the system and my " negotiator '' is never available. Supervisors are also never available. I have asked for return calls and NEVER received XXXX.
Product: Credit card or prepaid card

I have a 0 % balance transfer and I keep making payment well over the minimum balance and any new charge balance and Chase is not applying it to the balance with an interest rate but applying it to the 0 % balance transfer. They told me there is no way for me to apply my payment to specific balances.
Product: Debt collection

This is the clear unlawful illegal sharing of consumers personal information that created ponzi scheme allies debt payments of the Name Brand users personal debt Communication Tactics. I do not owe nothing whatsoever to XXXX yet a third party I have never done any business with have my social security that is with Identity Theft it is illegal. This Account has being PAID and CLOSED from XXXX XXXX, and I have been to several different locations over three or four times to get this illegal SCAMMING and FRAUD that is with Identity theft resolved which I was given the receipt acknowledgments that makes it ALL FINAL AND CLOSED. NO DEBT TO PAY WHATSOEVER, this is FRAUD. There is too many BRAND NAME USERS where no one can keep up with which XXXX BRANCH must take the account close off, so every which thousand branch will up load new false information and play the treat game to get paid as if you need to pay every branch DEBT. No matter the false account request these company have the rights to right off their debt so they are doing illegal ponzi scheme selling dead debt that make it double dipping illegally, when they can write off their debt and sell in wholesale market share to create their own debt pay off.