23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I was notified first by Capital One that a charge was pending for {$460.00}. I did not know what it was so I logged in to see what it was for. This merchant is an online Dr service for a prescription drug that requires screening. I had made a 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. I told the company that and cancelled. I did this through their online website and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I spoke with regarding exiting the program. This was XXXXXXXX XXXX XXXXXXXX I called immediately to dispute the charge and block the merchant. 

The merchant then sent me an email with an invoice saying that my credit card will be charge. I emailed them immediately notifying them that they were indeed wrong and I did in fact cancel. 

They denied my cancellation and proceeded to send the package anyway. 
Then tell me we do not issue refunds after the package is sent. This was XX/XX/XXXX. 
I have proof of the timeline of the postage label that was created showing the exact timeline of they conversions by email and with proof from USPS. The label was created XX/XX/XXXX and not dropped off and registered as received by post until late at night XX/XX/XXXX. 

At first the dispute started easily. But shortly after a very brief review it was reversed and the charge was returned to my card. I called to complain explaining and trying to understand how a credit card company can not advocate for me. This company is sending illegal prescription without seeing XXXX XXXX XXXX medical professional. XXXXhis DR , RN, Pharmacy and merchant were breaking the law. This is prescription fraud, medical malpractice, Illegal and predatory. 

I escalated my issue to speak with the manager of the Fraud department. He stated that they are only obligated to follow XXXX XXXX and that unless I had 3 specific things there was nothing they could do. I asked to speak with his supervisor and he said he was the last stop. This sounded very much like a call center in the XXXX. I asked " XXXX '' the supervisor for a copy of the conversation and he stated that is not a practices that they do. 

In essence protecting the criminals. 

From there I continued to submit additional documents in hopes that they would fulfill their requirements. 

They continue to keep the dispute closed. 

I have filed a complaint with the Federal Trade Commission against the company, the prescribing RN and the pharmacy. I notified the FBI regarding this racket and I have also made a complain with the medical board against the RN that wrote a prescription to a person who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would know does not qualify to take medication if they bothered actually seeing a patient and not lying about it.
Product: Credit reporting or other personal consumer reports

I have not received any notice of sale from XXXX giving me the information about the amount deficit after they sold the vehicles in private auction. They refuse to give me any information and stated that they sold a vehicle worth at least XXXX for {$500.00} because no one purchased it from them. I asked for receipts from the XXXX and no one has responded to any of my request. I've submitted two complaints and I have not heard anything from the XXXX since my last email. XXXX XXXX the XXXX stated that they handled the situation correctly but as a consumer, I have a right to be informed that my vehicle is up for sale and if there is a possibility of redemption.
Product: Credit reporting

Initially I sent them letters about inquiries about inquiries that I have not authorized. The credit agencies have failed to provide the creditors permissible and signed authorization that I have initiated excessive inquiries.
Product: Debt collection

I

previously reported this company for putting unverified collection accounts on my credit file. This company attached two letters that I never received because I never lived at with either address on those letters. This company failed to send me any letters to my correct address and has listed and reported this unverified Information on my credit which has caused serve damage to my credit file. This is against the FCA they are required to send letters to the consumer and verify that all the information is correct. Which they have failed to do so I will attach these letters that they provided in a previous response and this is clearly not any address associated with me. Which clearly means that someone has used my information to obtain credit. This information needs to be deleted until they can verify the correct owner of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Coinbase has an account called Vault, where you put some extra barriers in place to protect against malicious withdrawals. I recently transferred some funds to my Coinbase Vault, but Im unable to access them because i dont have access to an old work email address ( the second of two email addresses tied to the account ). I do have access to the primary account email.

I contacted Coinbase several weeks ago and Im glad to provide any needed identity verification. I have received no response and so my funds are inaccessible to date.
Product: Debt collection

It showed up on my file a few days ago and I contacted them tried to get them to verify or validate the debt by requesting a copy of the original contract with my wet signature also tried to dispute under permissible purpose US C 15, 1681B and they refused to find my dispute or to hear anything I had to say all they wanted me to do was admit that I gave my daughter XXXX, my permission to open that account which I didnt, and they were threatening to call her and theyve already called her multiple times trying to get in touch with me about this day and I asked her to contact me
Product: Credit reporting or other personal consumer reports

Throughout the years of my credit I have ups and downs due to the economy. I have had high balances in credit cards but I always payed them off or pay on time. When I apply for credit they will deny me and this is what the response is.

Number of accounts with delinquency Ratio of balance to limit on bank revolving or other rev accounts too high Time since delinquency is too recent or unknown Length of time revolving accounts have been established I called experian and they said they can't give me any legal help. All I asked is why do I have this and is been years this has appeared and I don't know how to fix it. I called a financial help company they told me I can call and the lady I spoke to said there's no issues with my credit as I pay everything on time. All she said is to keep all my balances at 30 percent. Experian did not want to help or see how I can get rid of those messages as it's not letting me apply for credit and all my credit card companies are dropping my limit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraud and were opened in my name without my permission. 

XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Under law 15 USC 1666 sets forth the reasons for the obligor 's belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct
Product: Checking or savings account

Placed order with XXXX on the date of XX/XX/XXXX for # 2 XXXX XXXX XXXX XXXX XXXX extra large capacity red blue the cartridges {$300.00} were to be delivered next day overnight and they were delivered to the wrong apartment complex next door from XXXX XXXX XXXX XXXX delivered to the wrong mail room at XXXX XXXX XXXX XXXX contact by that of representative with XXXX at XXXX. stating she was leaving package in hallway I informed her she could not do that she left package in the wrong mail room next day packages were picked up By that of XXXX confirmed on video cameras including a second pack of latte coffee cans6pk. Contacted citi Bank filled dispute same day of missed delivery XX/XX/XXXX sent dispute emails receipts documents via email to : XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX citi bank to date has refused to apply the required provisional credit for said dispute as required by federal fair credit billing reporting act, Reg E. FEDERAL ELECTRONIC FUNDING TRANSFERED ACTS AND MAIL ORDER ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX in the beginning of the year so there is no way I purchased a vehicle from XXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized auto loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.
Product: Credit card

I have {$300.00} of travel credits and {$100.00} of miles tied up in my Capital One account, but the travel portal doesn't let me use any of it. Their customer support just tells me to pay with the credit card, costing me even more money
Product: Debt collection

On XX/XX/XXXX I submitted an FDCPA Debt Validation request pursuant to 15 USC 1692g ( b ) to Reliant Capital Soluctions, LLC ( " Reliant Capital '' ) regarding a debt alleged to be owed by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In my initial debt dispute I disputed the {$930.00} total being alleged and requested that all supporting documents be provided to affirmatively demonstrate that I owed XXXX {$930.00} and how they reached that total. 

In response, Reliant Capital sent my a letter dated XX/XX/XXXX, which claims that I owed XXXX {$1200.00}, with no explanation as to why Reliant Capital was claiming more owed than what XXXX claimed less than a month earlier. 

Attached to Reliant Capital 's XX/XX/XXXX letter were print outs from XXXX, starting from XX/XX/XXXX to XX/XX/XXXX. Each print out claims to be a cumulative total of the amounts owed. 

XXXX claims I owe {$1500.00} XXXX claims I owe {$1600.00} XXXX claims I owe {$2000.00} XXXX claims I owe {$0.00} XXXX claims I owe {$0.00} This is consistent with my understanding that XXXX has been paid all moneys owed to it. The documents provided in response to my debt dispute fail to establish the {$930.00} claimed by XXXX on XX/XX/XXXX or the {$1200.00} being claimed by Reliant Capital on XX/XX/XXXX. 

I believe that Reliant Capital has violated 15 USC 1692e by providing false and misleading information, claiming that I owe an amount in excess of the amounts claimed by the party they are collecting a debt on behalf of, and further by providing documentation which they allege support the alleged debt they are seeking to collect - when that evidence actually establishes a {$0.00} balance.

Reliant Capital has failed to substantively answer my Debt Validation Request, and in fact provided evidence that there is a {$0.00} balance, and yet they claimed I owe {$1200.00}. I've submitted a second debt validation request on XX/XX/XXXX, advising of the same. 

Further, beyond documents being provided showing a XXXX balance, the debt they allege to be collecting are from XXXX and are barred by statutes of limitations in the state of Ohio. Reliant Capital has further violated CFPB regulations and the FDCPA by pursuing a time barred debt.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the ongoing presence of fraudulent items on my account statement, despite repeated attempts to address the issue. As you are aware, I reported unauthorized activity on my account. Since then, we have made numerous efforts to investigate and remove these fraudulent items. However, despite our persistent attempts, the fraudulent entries persist, which is completely unacceptable. The continuous presence of fraudulent activity has caused me significant stress and inconvenience. As a valued customer, I rely on your institution to safeguard my financial interests and promptly address any security breaches. The repeated failure to remove the fraudulent items undermines this trust and raises serious doubts about your institution 's effectiveness in handling such matters. 

I am asking for your help to take immediate and decisive action to comprehensively address this issue. This should involve conducting a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as implementing robust measures to prevent their recurrence in the future. I expect fair and adequate compensation for the prolonged inconvenience, distress, and any financial losses I have incurred as a result of this ordeal. Please help me remove these fraud items immediately : 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: Debt collection

back in XXXX of XXXX, I was living in my friends garage in XXXX XXXX, they kicked me out, and made me homeless XX/XX/XXXX. Before that, I had XXXX XXXX, and was in XXXX XXXX XXXX in XXXX XXXX & they sent me home with the XXXX XXXX and carrier on wheels. Prior to being kicked out of the garage, I knew I had to return the equipment, and did try to return it, by phoning the delivery man, that dropped it off, he was supposed to pick it up, but never did, so the day I was kicked out & made homeless, I was forced to leave it at the address of XXXX XXXX XXXX XXXX , XXXX XXXX, NV XXXX, USA. That very day I was kicked out of the garage, I suffered XXXX XXXX & was hospitalized, and then when released from the hospital, I had to live in a XXXX   XXXX  for 4 months, in XXXX, Michigan, called the ' XXXX XXXX " at XXXX XXXX XXXX., XXXX, Mi., Phone : ( XXXX ) XXXX I have explained all this, months ago, to a representative at XXXX XXXX , that I also am living on XXXX. and have suffered quite a hardship, they told me, they were going to write it off as lost, and as a loss, and that I would not be having any more collection agencies calling me, and that they would wipe this amount off of the bill. I explained this back last year in XXXX, XXXX.,  and again today XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I accidentally sent a friend of mine {$2000.00} trying to send her {$20.00} and chime frose the money so she couldn't send it back to me so I filed claim with chime which I had to since the money was frozen immediately after I sent it to her. The reason I accidentally sent her that amount is because the phone I was using had a broken screen and when I went to type the amount of money to send it added two extra XXXX 's and on the next screen to confirm the amount to send i tried to cancel and it hit confirm instead. I had to file a rebuttal process and they found it in her favor saying no mistake was made even tho she sent and email with her photo id and her email associated with her account asking them to send my money back to me which I have screen shots of just like they had asked her to do. I never received the money and they closed my account for reason I just explained and they told me that it would take about 45 days and I would get my money back and her account would be closed instead mine was closed and she got the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make these changes. I asked the items be deleted to correct my credit report. I have reported the identity theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Product: Debt collection

Patenaude & Felix A.P.C is attempting to collect a charge off account which is not mine. The debt was disputed with the alleged creditor XXXX bank all communication was ignored and they have since charged off the alleged account. Patenaude & Felix A.P.C are now sending scare tactic letters referring to a judgement. This is clear violation of my rights under the FDCPA. I have contact the credit buerus and issued fraud alerts as I have never conducted business with Patenaude & Felix A.P.C.
Product: Payday loan, title loan, or personal loan

The website XXXX  offers XXXX  % interest option for payment. You are told to check out with Affirm and the option will be shown. I spoke with XXXX  and they said I should contact Affirm who is offering the financing. I spoke with Affirm and they said I should speak with XXXX. I completed my purchase and chose an 18 month term but at XXXX  % interest. I then contacted Affirm they said I was approved but that option was not available to me. 
This is misleading and fraudulent use of my credit information. No where does it say subject to credit qualification.
Product: Mortgage

My wife was laid of in XXXX of XXXX and we applied for a loan modification through our mortgage company, Ditech, in XXXX. All documentation was received and cleared by them in XXXX of XXXX. We were instructed by Ditech that it would take approx. 60 days to review the information and get back to us with the decision. It is now XX/XX/XXXX and I have called Ditech many times with no resolve. Each time I have called a representative states that it is still being reviewed by underwriters and to call back next week. This is until last week on Friday XXXX. I have called 3 times and it does not connect me with or give me any option to talk to a live person but directs me to a voicemail. I have left XXXX message and have not been called back with an update of the status. At this point, due to financial constraints we are substantially behind in our mortgage and need help with no support or resolution in site. Please help.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report under 15 USC 16c-2. The inquiries listed were not approved, and this misinformation is affecting my credit negatively. Kindly remove all unauthorized hard inquiries. Thank you!
Product: Mortgage

Our short sale offer is being countered to remove the buyer 's request for LESS THAN 3 % seller concessions even though they are a financing purchaser. The offer is even a bit higher than the BPO so the net amount is a non issue. It is unethical to not allow seller concessions to financing buyers. MOST buyers are financing and require closing costs to purchase, Ocwen not allowing this will make their borrowers unable to sell their homes and go to foreclosure.
Product: Mortgage

This complaint is against Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. On XX/XX/XXXX, I received a letter from them indicating that my escrow account had more money than needed, They enclosed a refund check and lowered my monthly payment from {$1800.00} to {$1400.00} starting XX/XX/XXXX. I paid the lower amount monthly until XX/XX/XXXX. On XX/XX/XXXX I received a notice dated XX/XX/XXXX from the City of XXXX, NY that the mortgage company had not paid my property taxes of {$2800.00} plus a late charge of {$84.00}. I notified Nationstar and was told that I did not have an escrow account, however, after checking they sent me a letter dated XX/XX/XXXX that confirmed that my account should be escrowed. On my XX/XX/XXXX statement they kept the payment of {$1400.00} the same and indicated that if I made additional escrow payments that they would not raise the payment amount so I sent them a payment of {$2900.00} which included an additional {$1500.00} in escrow. In XX/XX/XXXX I sent them {$1500.00} which included {$100.00} in additional escrow. On XX/XX/XXXX I received a notice that they had not received my XX/XX/XXXX payment so I recovered my cancalled check from my bank which indicated that the bank paid the XX/XX/XXXX mortgage payment on XX/XX/XXXX. I notified Nationstar and they said that they mistakenly posted the entire amount to my escrow account and charged me a {$24.00} late charge which they have not recinded. On my XX/XX/XXXX statement they raised my monthly payment to {$2000.00}, a {$620.00} increase in an attempt to correct their inability to service my escrow account properly. I paid the {$2000.00} leaving me with XXXX dollars left for a three week period. I have now received my XX/XX/XXXX statement where they again want a {$2000.00} payment. I am retired and on a fixed income so I do not have the ability to make any further payments in that amount. They have caused me an extreme financial hardship and have refused to lower the payments. Just as a matter of information my property taxes are {$2800.00} and school taxes are {$1300.00} for a total of {$4100.00}. The additional escrow of {$620.00} plus the {$200.00} escrow already built into the $ XXXXpayment amounts to {$820.00} monthly for a yearly total of {$9800.00} which is more than double the required escrow needed. Therefore, I am making no further mortgage payments until such time as Nationstar reduces the monthly payment amount. I am also considering legal action against Nationstar for damages incurred by their inability to properly service my account, also, they have sold my mortgage to XXXX XXXX who I have been in contact with. They advised me to contact you.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REMOVE INACCURATE UNAUTHORIZED INQUIRIES THAT IS REPORTING ON MY CREDIT.
Product: Debt collection

I received a debt collection notice from Commercial Services Group regarding an {$8000.00} claim for training expenses. I requested a detailed breakdown of the amount, proof of compliance with state laws, and justification for their claim. They have failed to provide sufficient documentation or respond adequately to my requests. This lack of transparency raises concerns about the validity of the debt. I am filing this complaint to request an investigation into their practices and ensure proper compliance with consumer protection regulations. 
I have previously informed the company that their actions exacerbate my XXXX XXXX, yet they persist in demanding payment without providing proper documentation. This demonstrates a lack of consideration for my well-being and further supports my concerns about their conduct In the follow-up letter sent to me, I was addressed as XXXX, ' which is not my name. This raises concerns about the accuracy and validity of the information they have on file regarding this matter. It further emphasizes the need for proper documentation and verification of the alleged debt.