23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I 'm writing to contest part of the charge from a paint company from who I ordered a gallon of XXXX Paint back in XXXX. 

The can arrived in a horrible condition- the bottom of the can was distended, and the can was badly dented. I 'm enclosing photos from several angles. The seller charged me {$16.00} for " shipping and handling ''. The paint is not usable in this can. 

The can tilts as the bottom is distended. That would make for prying open the lid extremely difficult ad risky. I have not even attempted this yet. 

There was no return shipping label enclosed with the can, nor an invoice. Numerous attempts to reach the seller were unsuccessful, as there was no contact information provided with the order. The seller had called me after several attempts to reach them, at a time I was not able to fully discuss the matter. 
I contacted the seller within 24 hours after the can arrived, I believe by email. 
The paint can was double-boxed. I have received paint orders before that were not double boxed, and they arrived in far better condition than this can. 
I believe the seller sold me a can of paint that was damaged to begin with and unsaleable in a store. {$61.00} is an unreasonable amount of money to charge for a damaged can of paint, especially the {$16.00} in shipping. It was clear that the paint can had been packed up very carefully, and the XXXX boxes secure. 
I find it highly unlikely that such severe bashing could have occurred in transit. My recollection is that I told the seller I wanted at least a 25 % discount, and he had agreed. I have NOT opened the paint can as it is not stable and wobbles. 
I could not send the paint back. I am XXXX, with a bad shoulder injury. You can see from the photos that it was a struggle to lift the can. I was stuck with this shipment. 
The paint was made by a company, XXXX, that discontinued manufacture. It is hard to find this paint. 
After I submitted all relevant proof to Chase Visa, they are again requiring that I provide them with the entire story, and appear to be siding with the merchant, asking me to accept a 10 % discount. I do not accept that. 
I was unable to return the defective paint to the seller when it was convenient to do so, because he failed to enclosed a return shipping label, instructions or address and phone of the company. There was no invoice sent with the order. 
Chase sent me a huge XXXX packet last night asking for the identical information I spent over an hour submitting to them in XXXX. It appears that they are saying they do not believe me. 
I 'm not sure I 'll be able to salvage the paint, and would have to buy an empty storage container to transfer the paint, a messy and tedious operation. 
For all of my troubles, three hours spent on this matter, 10 % is an extremely unreasonable offer. Chase appears to have gone back on its promise. They had sent me written notice about 4 weeks ago, that there was a permanent credit to my account. 
I think it is only fair that I receive a substantial discount, as the likelihood of my losing paint when transferring the contents, is very high. I am asking for a 50 % discount on this order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong name and address listed on my profile.
Product: Debt collection

This is the last and final chance for you. 
This Legal Proceeding issued on your Docket Number XXXX with one of Cash Advance XXXX. The company in order to notify you that after making calls to you we were not able to get hold of you so the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 
case File # : XXXX Loan Amount : {$300.00} Amount Outstanding : {$790.00} Settlemen Amount : {$400.00} You are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. 

XXXX XXXX XXXX XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you found guilty into the court house then you have to bear the entire cost for this law suit {$6300.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you, we believe that this was not your intent and that these steps are unnecessary. 
IF YOU WANT TO RESOLVE THIS MATTER IMMEDIATELY CONTACT US.
Product: Bank account or service

I was a customer at chase bank, I recently found out that someone had been trying to hack into my account. I 've gotten emails from the bank saying that there was a large amount of money goin into my account, it seemed weird, a couple of days later I noticed that my own money that was already in my account was starting to disappear and that 's when I went to the bank to find out what was going on. The young man that I spoke to be told me that someone was trying to deposit fake checks into my account and by them doing that they froze my account and they also told me that I could never open an a account with them again nor could I take my money that was left in there. I felt like that was n't right I should n't be punished because of what someone else did and you telling me I ca n't take the remainder of my money! I work hard for my money and for you to just take it away like that was not right and now I do n't know what else to do, so I 'm hoping you guys can help me to fix this problem.
Product: Credit card

My personal information, including SSN, was exposed in XXXX or more of the massive corporate data leaks that occurred within the past year. An account and credit card were opened with Chime using this information - Specifically, my SSN, phone number, home address, and email address were used. At no point was any multi-factor authentication used to ensure that the person opening the account was actually me, and I was forced to go through the process of closing the accounts and determining what info of mine had been stolen.
Product: Checking or savings account

Months ago I submitted a complaint to CFPB regarding the fact that there are thousands of dollars missing from my CHASE savings account from a span of almost a year. Chase got in contact with me stating they have no ideas where my checks were deposited into as they do not appear in any of my accounts, they tried to trace them but have not provided me with any information. They even checked security footage and saw me personally deposit my checks. They stopped reaching out and I am still here out of XXXX  ( XXXX ) dollars I worked hard for. I have no access to my previous deposits so now I do not know if any previous check or cash deposits cleared!!
Product: Payday loan, title loan, or personal loan

Open Road Lending had 4 companies pull my credit. I didn't authorize them to pull my credit. I called them and told them I want these inquires to be removed. I had people in Florida pulling my credit and using my credit. Ive put a freeze on my credit report to cant this from happening. They had my husband credit file pulled also his name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification of this account. From the XXXX directly and from the credit bureaus From the XXXX  I requested a copy of any documents provided bearing my signature. Copy of original contract. Any documentation that verifies loan is mine. Never received anything from them Contacted credit bureaus. 
Asked for the description of the procedure used to determine the accuracy of the information Name and address of person contacted regarding this account. A copy of any document showing that I legally binding contractual obligations to pay them the amount claimed
Product: Payday loan, title loan, or personal loan

XXXX XXXX in XXXX and the XXXX XXXX XXXX XXXX XXXXt and the Towing Companies did not inform me where my car was impounded. I thought it was stolen while it was parked in front of the home I was living at on XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have received my XXXX Consumer Disclosure Report and I found some incorrect information that XXXX and Transunion is using to verify my disputes. The inaccurate information is hindering my ability to secure credit. Please conduct a proper investigation on the below disputes. I am disputing the incorrect reporting of a Bankruptcy on my XXXX Consumer Report. This Bankruptcy was Vacated/Dismissed. Dismissed Case mean that the lawsuit is closed with no Finding of guilt and the legal affect is that the Bankruptcy is deemed Void
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX amount XXXX company has not done anything XXXX XXXX XX/XX/XXXX XXXX A special investigation was allegedly started with the name XXXX XXXX I haven't gone by that in 13 years XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX in the amount of XXXX is also a rental /leasing account company had no identifiable information )
Product: Debt collection

Midland Funding LLC is sharing information that is inaccurate with XXXX XXXX, XXXX, XXXX, and XXXX XXXX. On all XXXX agencies they are saying that a XXXX XXXX account was opened on XX/XX/XXXX. The account was opened on XX/XX/XXXX per XXXX XXXX. Midland Funding , LLC is trying to make it seem like its a newer account. I 'm still working with XXXX to get to the bottom of it. I did not open an account with XXXX until XX/XX/XXXX. Midland Funding , LLC is reporting the incorrect information on my credit report, and should be removed or changed.
Product: Credit reporting or other personal consumer reports

Inquries and Account reported on credit report does not belong to me
Product: Credit reporting or other personal consumer reports

I have never really been too aware of my credit and now Im of the age where I am trying to purchase a home so I checked my credit report and plan on checking my credit report I found several fraudulent accounts, including XXXX alleged amount owed is {$960.00}, XXXX Alleged amount owed is {$84.00}, XXXX I actually contacted this company and they told me that I cosign for a car I have no ever ever in my life cosigned for anything in my life definitely fraudulent also including in the fraudulent accounts is XXXXXXXX amount XXXX
Product: Money transfer, virtual currency, or money service

I have account with coinbase, my account was close for few days I couldn't access my account I contacted coinbase to try to fixe the probleme for 5 days without results after that they send me a message that my account was hacked and I lost all my crypto it was more than XXXX dollars in crypto.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score and is supposed to be accurately reported to all 3 bureaus. 
I sent in a dispute letter more then 30 days ago and have not received a solution. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian 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 Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these pavments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on any payments reporting to my consumer report showing inaccurate information.
Product: Credit reporting 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 correct : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Product: Mortgage

I paid off my mortgage by cashier 's check ; It was acknowledged as received, I believe, XXXX XXXX 2015. Two days later, what had been an automatic withdrawal for the normal mortgage payment, was again taken from my account. My bank immediately contacted me, and advised that my account was over {$600.00} overdrawn ( including a hefty service fee. XXXX On XXXX XXXX, I contacted Nationstar, went through endless sendings of documents by email, and was assured that the wrongly-taken amount, plus the service charge, would be wired to my bank account by last Thursday. Nothing has happened. 
I have had XXXX subsequent, lengthy contacts with Nationstar since then : they seem to be in chaos ; they do n't have records of my previous calls or emails ; they do n't even have a record of having received the wrongly-taken extra mortgage withdrawal -- even though my bank has provided me with ample documentation -- all of which I have repeatedly provided to Nationstar. 
They refuse to give me any contact information so that I can deal with XXXX person ; they give me vague promises of action, which are never fulfilled -- and I am expected to call their generic contact phone number in order to get any info on the progress of my crucial info. 
No one at Nationstar seems to be accountable.
Product: Debt collection

A XXXX XXXX called and left a message stating that he was with my bank and that there was a payment that was rejected which reached breach of contract of which he never said what the amount was or what the contract was about. He then attempted to call my place of business several times in which I told my operator that it is illegal for creditor, whether I owe or not, to contact me at my place of business. I then received a text from a friend stating that someone called and left her a message which it was the same XXXX XXXX but told her something completely different and that i put her as a reference on an application and that he needed to get a hold of me.
Product: Mortgage

Wells Fargo. I can't wait to blast you on every new channel possible. You are fore closing on my house.. I have sent in numerous papers numerous times because '' we didn't receive it : .. XXXX claims have been filed on this account because XXXX XXXX has had XXXX and has been on XXXX and oh wait we never received that paperwork... And then we asked to cancel the XXXX coverage. Oh wait you never received that paper work either. Now we file a complaint because once again we have been giving false information we were assi6a contact. That contact I have called SEVENTEEN times... Apparently when I call her phone doesn't work. She promised to call me on Thursday XX/XX/XXXX after XXXX... Here we are Sunday XX/XX/XXXX... No phone call... I am taking this every where... The news... Court. Absolutely everywhere. Shame on you wells Fargo... Refund our XXXX money from when XXXX had XXXX ... And that Will cover the mortgage. I will get this public. You will be shamed for this and our discrimination of treatment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 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
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against MIDLAND CREDIT MANAGEM or egregious violations of my consumer rights, as protected by the Consumer Financial Act. It has come to my attention that MIDLAND CREDIT MANAGEM placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with MIDLAND CREDIT MANAGEM, including txt messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that MIDLAND CREDIT MANAGEM provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If MIDLAND CREDIT MANAGEM is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with MIDLAND CREDIT MANAGEM is blatantly false. I neither received any services or products from MIDLAND CREDIT MANAGEM nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that MIDLAND CREDIT MANAGEM is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of MIDLAND CREDIT MANAGEM constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ,12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate you attention. 

MIDLAND CREDIT MANAGEM- $ XXXX-XXXX/2022
Product: Vehicle loan or lease

In XX/XX/2018 I was never 30 days late. I believe you have some problem with your payment app. And when statement is generated. I am personally confused when looking at the breakdown. XXXX was paid on XX/XX/2018 as what their app requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victims of identity theft i made numerous attempts to rectify these fraudulent accounts that was opened in my name I sent police reports, FTC report still nothing please publish this and show people that if you are a victim of identity theft. Thanks