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

I made a purchase through a company called XXXX. They sent me a product that wasn't as described in color or quality. I called them the same hour I received the product. They company kept asking for explanations I'd already sent and photos I'd already sent. I contacted them by e-mail, via review of the product on their website, and via text. They refused to send the return label or even provide a return address. 

I called Capital One to credit my card. Capital One removed the charge on XX/XX/2021 and then rebilled it on XX/XX/2021. I can not seem to get Capital One to explain. Nor do they have a way for you to write -- so you can skip the " He said / She said '' nonsense. 

XXXX is behaving in a fraudulent way. I had to write and call them numerous times and they refused to send me a return label. They didn't sent one until Capital One took their money. ( The shipping label with tracking number they finally sent is attached ) And then Capital One gave them back their money when the company lied and said I refused to send their wig back. 

Please find what I have in my e-mails to XXXX attached. I can also try and send screenshots from my phone texts where XXXX ALSO claimed ignorance of my multiple requests for a return label if necessary.
Product: Debt collection

This company is trying to collect a erroneous debt that we do not owe. They continue to call me and email me after I have told them more than once that I disputed the debt and to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a 3rd party! Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Please review attachments!

In fact, this account Date of Activity is different on all 3 consumer reporting agencies. So, not only is this account a violation but its also inaccurate.
Product: Checking or savings account

Attempting to wire money out of checking account. XXXX won't allow use of phone number on file, and are now trying to make me wait 60 days to access my money.
Product: Consumer Loan

This was a promotional deal. The monthly statements were deceptive. The statement said no balance due when it was actually due and then they charged me 6 months of interest. In addition they had changed my payment method from being linked to a credit card to this credit account. 

I paid off on the phone immediately.
Product: Debt collection

I noticed last year in pulling my credit reports for annual check an account listed as " collections '' and " Opened '' on XX/XX/XXXX by a collection company by name of Ad Astra Recovery System collecting for XXXX XXXX XXXX. It was later XX/XX/XXXXthat I started to receive numerous phone calls. I had googled the company and found a lot a people have had complaints against the company in trying to collect non existent debts/debts that were already paid in full. When I spoke with a " company rep '' " XXXX '' the 2 -3 times that I did, and I 'm not sure that was even her real name, over the course of about a month or so, I told her each time that I was disputing the debt and to provide the following for my review so I could 'formally '' submit in writing my dispute and go point by point down the list in rebutting. She would come back with quite persistently and tell me each time that she could take a credit card payment that day and that she was authorized to take xyz amount to get my account settled and closed. Each time I came back and asked her to provide me with information for my review first. After talking to her the last time, I just let the calls ring thru and someone from the company kept calling for a few months, basically 2 to 3 times each and every day ; it became predictably annoying as it would ring and then hang up, but they never left a vm. When I spoke with " XXXX '' I asked that I be provided via snail mail, all of the following. 1. A copy of original contract with the debtor with my signature 2. The original loan amount 3. The original date of alleged default 4. The date this alleged debt transferred from the original creditor company and date it was bought by them 5. The Surety Bond information Interestingly enough I never received any  written communication from them at all after my requests to provide me with my requested information and eventually the phone calls stopped and I thought the matter resolved, but I was wrong. <P/>Flash forward a little over a year later, when I just went to do my annual credit check today, XX/XX/XXXX, my surprise that this " collection '' status is still showing on my reports, even though I asked them to remove the information if they could n't provide me with proof. I do know now I should be checking my credit report on a more 'frequent basis '' and use a free service to do so from here on since I only checked 1 time a year to get my " free annual report ''. <P/>I am asking that this company since they could n't provide me with the requested information showing this to be a legitimate debt to strike this off my credit reports.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE 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.

This company 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: Debt collection

I previously filed a complaint against Sierra Auto Finance for harassing me in regards to an account for my brother, CFPB Complaint # XXXX ( XXXX XXXX, 2015 ) The complaint was responded to by XXXX XXXX - VP Collections. He had said at that time that a permanent block had been placed on my phone number. I received another call on XXXX XXXX again apologizing for the call but still asking if I can get a message to my brother. This seems like a polite way to continue to break the law. I contacted an attorney after I received the call. My attorney sent a demand letter to their address XXXX XXXX XXXX XXXX XXXX, Texas XXXX. No response was ever received to the attached letter.
Product: Debt collection

I got admission from the XXXX XXXX XXXX XXXX College of Law. I just found out that Williams and Fudge ( 1st ) made collections illegally and even made false report to credit bureaus to ruin law school student 's life totally. William and Fudge ( 1st ) obviously violated federal law and guideline, XXXX dollars small amount in the law schools ( XXXX, XXXX XXXX XXXX XXXX, XXXX law school and XXXX University law school ) and the medical  schools ( XXXX, XXXX etc ). I got traffic incident and according to consumer financial protection bureau case Complaint Number XXXX. XXXX XXXX failed to pay emergency fund to traffic accident 's victim XXXX XXXX and his children. Williams & Fudge did not exercise humanitarian relief for victim XXXX XXXX and his children. lt is XXXX hate discrimination to ruin XXXX XXXX life. XXXXXXXX XXXX failed to provide proper urgent payment to victims within reasonable time. I have visited Doctor of XXXX XXXX ( XXXX ) for treatments over months since this accident caused by XXXX XXXX of XXXX XXXX. Due to this incident, I could not pay XXXX dollars to the XXXX XXXX XXXX College of Law ( of XXXXXXXX  XXXX University ). Due to this, I am not able to get transcript and it is hard to register classes for my law degree program ( I study intellectual property laws and patent laws ). 

US Congress, Senate and US Federal government will investigate whether Williams & Fudge abused XXXX XXXX who is currently law school student.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hardship after I graduated from college. I couldnt pass the ARRT to secure a job. My wife and I moved out of XXXXXXXX to XXXX and things got worse with trying to pass the bar exam and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the XXXX  XXXX is showing several late payments for my account at XXXX, XXXX, Equifax before selling the loan to a different lender.
Product: Vehicle loan or lease

Account was closed about XXXX  years ago and balance owed in inaccurate
Product: Credit reporting or other personal consumer reports

I just got my credit report and some accounts on my credit report are incomplete and inaccurate. Which is a violation of XXXX XXXX XXXX ( b ). You also violated XXXX XXXX XXXX ( a ) & ( b ), XXXX XXXX XXXX XXXX XXXX ) ( A ) ( i ) & ( ii ). Any person fails to comply and fix this matter will be liable under XXXX XXXX XXXX. Which is civil liability for willful non-compliance. 
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  Delete this accounts immediately, because of violation XXXX XXXX XXXX ( b ), XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) & ( ii ), and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account immediately, because of violation XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) & ( ii ), and XXXX XXXX XXXX. 
Once you have deleted this accounts from my credit report, please send me a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent XXXX  the attached letter via certified mail. I have the green cards that state these were received by the company. The accounts listed on these letters are fraudulent. I have presented all information required to have this information removed from my credit, as it is very damaging. See attached ID Theft Report, Police Report, Notarized Affidavit, SS Card, Driver Licence, and Utility Bill. Why has this not been removed?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Those account is huying my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Those are the items I am asking you to verify as accurate. 
XXXX XXXX Account number # XXXXXXXX XXXX XXXX XXXXXXXX Account number # XXXX XXXX. Account number # XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received a fraud alert text message from Truist that there was suspicious activity on my account and to reply to confirm the charge. I did not reply to it and did not authorize the charge. When I looked at my bank portal online, there were two unauthorized Pending charges XXXX XXXX  {$180.00} and XXXX {$610.00}. I immediately called the bank to cancel my card and stop the transactions, but was told that there was nothing they could do about the charges until they were " hard posted '' even though the funds had already been removed from my account under the " Pending '' status. I asked that they cancel my card, and was told they would, but that I had to follow-up on the charges once they were posted to my account. I checked my account again on XX/XX/XXXX and there was another fraudulent charge on the same account from the XXXX XXXX for {$92.00}. I called the customer service number to let them know there was ANOTHER unauthorized charge to my account AFTER they said they froze the debit card associated with the account. That same day, I went to my local Truist branch and filed a claim ( XXXX ) for the two posted transactions and made sure my card was cancelled. On XX/XX/XXXX, the third and final transaction posted to my account and I went to my local branch to add the XXXX transaction to the claim. On XX/XX/XXXX, they deposited a " provisional '' refund for the XXXX transaction of {$180.00}, and another provisional refund for the XXXX XXXX {$92.00} on XX/XX/XXXX. I called customer service on XX/XX/XXXX to ask why they had provided those two credits and not for the {$610.00} and was told that Truist had made a final decision to NOT refund that money and that I should visit my local branch. I went to my local branch on XX/XX/XXXX and was told that it was a final decision without sharing the details of the determination. I requested a meeting with the branch manager, who has yet to follow up to schedule. I received a letter from Truist stating that they decided not to refund the {$610.00} charge and that the other two charges were " provisional '' but I could formally request all documentation associated with the claim number. I called the number on the letter provided, and requested all documentation regarding my case, and have yet to receive anything. I asked for the name of the person investigating the claim and was told that was confidential. At no time did I ever authorize these transactions and reported them as fraud the same day. Truist could have declined the transactions from posting once I reported them as fraud, but their policy is to remove the fraudulent funds from your account and then deny your claim without reason or accountability. Truist 's negligence also caused additional fraudulent charges to be taken from my account AFTER they assured me the card was frozen.
Product: Checking or savings account

I have an account with XXXX for several years now and PNC has changed their policy which prevents me from transferring money to my XXXX account. I don't believe this to be fair since they haven't offer any type of solution
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX, I've been XXXX from the US Military since XX/XX/XXXX. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX  from the Military in XX/XX/XXXX, I have not lived in no other state. I built my home here and have always live here in south Florida after I XXXX  in XX/XX/XXXX. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I have been asking Experian for months why they lowered my FICO score from XXXX to XXXX. They won't explain why they lowered it.
Product: Debt collection

Collection agency didnt produce validation of debt owed. 

Collection agency is in violation of my ucc1 statement agreement 15 1602g - We are the creditors 18 2331 - Definitions of terrorism and Nationals of US 15 1692b - 3rd party failed to identify themselves 15 1692e - False representation 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.

15 usc 1666B 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. 

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fait Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Capital One Bank that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute that has been more than 30 days. I have not received any notice or response regarding my dispute.
Product: Checking or savings account

XXXX XXXX I deposited a check from the IRS that they sent me from 2021 and due to the delay and other money that I had paid by mistake to the IRS, they sent me a check for XXXX and I went to the bank and deposited it and to this day the bank They have not given me the money, they blocked my account and I sent all the documents that the bank requested and they say that no document says the amount of the check sent, so I called the IRS and they sent me the documents and the bank still says no. see nothing, I can't find what to do anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to express my deep concern regarding the inaccurate and incomplete information that has been reported on my credit file by your agency. It has come to my attention, upon reviewing my credit report, that there are discrepancies and errors that need immediate attention and correction. XXXX XXXX XXXX XXXX
Product: Mortgage

As a result of copvid-19 my income decreased drastically. I've reached out to Rushmore multiple times submitting, and resubmitting requested documents over the last 6 months to secure some sort of assistance. Regardless of what was submitted it was never enough. I have submitted all requested Borrower Assistance Application information regarding my loan modification. Finally, after 6 months of back and fourth, rejected payments, Rushmore has finally acknowledged all paperwork has been received. 

On Friday XX/XX/XXXX I received a letter dated XX/XX/XXXX stating I am in default on my mortgage loan and encouraged to contact Rushmore to explore foreclosure alternatives. I'm currently in the middle of a modification??? I received a letter dated XX/XX/XXXX stating Rushmore would reply in 30 days to my modification request. After submitting all my paperwork, receiving acknowledgement that all of my loan modification paperwork was successfully submitted, I receive a letter referencing foreclosure. Now I'm being told to pursue foreclosure alternatives, my modification request is still pending or so I thought. 

I am doing everything requested to keep my forever home and Rushmore continues to place doubt that they are trying to help me keep my home. I finally feel like it's going to be alright and then I get this notice in mail as if I hadn't already submitted a modification application.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; 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