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

On XXXX XXXX XXXX  I purchased a dress at a store which unbeknownst to me had a broken zipper. I immediately tried to return it, same day, and the merchant refused to help. 
They are an unscrupulous business. The woman working there do not speak english, and were nasty, and embarrassed me. 

This is in response to Citibank 's resolution of the dispute of {$59.00} at XXXX XXXX which is not in my favor. I have already submitted to Citibank in detail the nature of and reason for my dispute for the charge of {$59.00}, which was for a dress I was sold with a broken zipper. I have already attempted to no avail to return the dress to the business on XXXX XXXX XXXX which was the date of purchase. I will no longer engage in any further communication or interaction of any kind with this business either in person or by phone. Nor will I ever set foot in this business again. Firstly, there is a language barrier. Secondly, I will not lower myself again in an attempt to persuade or prevail upon non-English speaking individuals who see me as a nuisance and a joke at my expense. Individuals who have taunted and humiliated me within earshot and in front of other customers. It is not possible to reason with the unreasonable and unyielding. 

I have been a cardholder with Citibank for 12 years. I do not have a history of opening frivolous disputes over purchases using this card. With that all being said, I do expect my credit card company to support and protect me from unscrupulous business and their senseless policies. My dispute is about being sold a damaged item where the damage wasn't visible or obvious until after I purchased it. I simply wouldn't have made this purchase had I clearly seen the damage beforehand. The dress is unwearable as it is, unless I invest more money to have it repaired by a tailor. At my discretion and preference, I will not pay additional money to have the dress made wearable. This dispute should have been resolved in my favor weeks ago and Citibank has allowed it to continue.
Product: Credit card

Best Buy closed my account without sufficient reason. I noticed that something was wrong with my card after it was declined several times while attempting to make a purchase. I checked my email and saw that XXXX XXXX said that there were remarks on my account associated with best buy. Upon looking at the notice on XXXX XXXX it said my Best Buy account was closed on XX/XX/XXXX. I logged into Best Buy to see the reason for why my account was closed and it stated it was due to " one or more missed payments. '' I checked my payment statements and out of the couple of years with the card I've only missed 2 payments. One on XXXX  ( paid in full on XXXX ) and the second on XXXX ( paid in full on XXXX ). I do accept responsibility for missing 2 payments however each payment was made in full in a fairly reasonable amount of time. The fact that the company closed my account for such an arbitrary reason is quite ridiculous and this action taken against me damaged my credit. Furthermore, the account closure letter was the only letter they sent me in regard to missing payments. I was never informed that my account was under threat of being closed. I contacted customer support, and it was in vain. They informed me that there was nothing they could do and to " try applying again for another best buy credit card. '' Like that's ever going to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I open a certificate of deposit with XXXX   the company start to report my payments as XX/XX/XXXX but up to now my credit score hasn't changed nor the credit agency hasn't posted no payment history on my report
Product: Credit card or prepaid card

On 2 separate occasions during XX/XX/2018, agents ( different employees ) from Citibank Fraud Services on behalf of Sears Card contacted the " Name of Nearest Relative Not Living With You '' in a ruse to compel the third party to take exogent actions disruptiive to their daily activities and/or risk breaching confidentiality by divulging information they would not normally not divulge about my whereabouts/contact information. This had the effect of causing my elderly parents to worry for my safety and/or construe that I was in financial distress as if mismanaging my financial affairs, above & beyond breaching my wife 's and my privacy. 

Note neither action was incident to collecting a debt from me but rather incident solely to reduce Citi 's  internal cost of business by ferreting out suspected out-of-pattern behavior as potentially fraudulent For such, I have no issue whatsoever when I am contacted personally at my home, place of work. mobile number, SMS text, email, in accordance with the disclosed terms and conditions. I consider that and our credit relationship to be mutually constructive as stipulated and will gladly cooperate. 

However, I do not recall consenting to providing reference information purposed not incident to collecting a debt pursuant to our creditor/debtor relationship, and feel that Citi breached our trust in grossly over-stepping here not only violating my rights but panicking an elderly woman in her XXXX 's through no fault of her own. 

Is Citi within its rights to " skip trace '' debtors unrelated to collecting a debt pursuant to the debtor/creditor agreement? ''
Product: Debt collection

Midland Credit Management hired a law office to collect a debt called XXXX XXXX XXXX which I requested within 30 days of receiving the letter to verify the debt by US certified Mail on XX/XX/2021 instead I received another letter from another Law office called XXXX XXXX XXXX, XXXX to collect the same debt on behalf of Midland Credit Management which again I requested to verify the debt using US certified Mail on XX/XX/2021, but did not receive any verification from them in over 30 days that constitute a verification of the claimed debt. 
I Called Midland, a representative named XXXX XXXX advised to call the attorney, when I called the attorney at XXXX XXXX XXXX claimed they do not have verify the debt in certain time limit, they all give me the run around to simply verify the debt with all the attorney 's phone people rudeness and pushing to extract more info and talking about settlement of unverified debt to start with.
Product: Credit card or prepaid card

Over a year ago, my TD Bank card was closed out. I had contacted support about this issue - since my autopay was never set up correctly despite being aware it was, I had my card charged off and cancelled. I now have multiple late marks on my credit report. I had paid it off by phone immediately upon learning about the issue, but unfortunately it was too late. 

Unfortunately due to unintuitive tools and no communication from TD, I have this mark on my report. I would like to remedy this. I would like to know what can be done, if a relationship can be re-established or if these marks can be taken off my report. I am sorry for the account being late, but also to my knowledge there was a full autopay on the account. 

The agent expressed a lot of sorrow and very much could tell this was not my fault or due to financial hardship. She tried to do what she could, but due to limited tools on her end, was unable to assist beyond making sure my account got paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The company GLOBAL LENDING SERVICES is reporting incorrect information on my credit report and not attempting to correct the correct balance or payment history on all XXXX credit bureaus after two disputes and proof documents were filed with the company and the credit bureaus. The company refused to correct the report and is reporting that no payment has been made to the account on my credit report. The company refuses to investigate and fix the problem and is causing financial abuse and damaging my credit report. On XX/XX/2024 a payment was made to the company for {$960.00} confirmation number and date :XX/XX/2024 from account XXXX. The credit report shows there were no payments made and for XX/XX/2024. The account was open onXX/XX/2024 all the payment have been on time up to XX/XX/2024. The company made an unauthorized transaction causing more damage and still did not update the credit report after attempting to take more money out of my bank. As of now the company refuses to update the finance balance {$44000.00} that was on XX/XX/2024 company repotting {$440000.00} and not the most recent for XX/XX/2024 that is {$43000.00} XX/XX/2024. 

I have circled the account I dispute on the attached copy of my credit report Enclosed may be additional evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is trying to collect a debt from womens personal physician when there should not be a balance as services were not rendered. I refused services and did not sign a hippa concent for womans personal to send or sell my medical information to XXXX XXXX XXXX I want this to be deleted as I am disputing the amount as they can not prove any services were rendered nor is there any contract for services nor any hippa disclosure. They are reporting a closed account as open to Transunion, Which is inaccurate information
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 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 that are reported 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 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: Mortgage

During the Irma Hurricane, the mortgage company offered me a XXXX month forbearance without explaining clearly that after 90 days, the full amount of the three payments would be due all at once. I have been complaint with all requirements and payments scheduled and I am now in a repayment plan after being denied and no written reason ( I have been reported to the credit report for delinquency in my mortgage )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX A XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers. Money sent to accounts with changed phone numbers just went lost, never returned. I contacted my bank who said theyd investigate it but then directed me to contact Zelle. Despite the banks having part ownership. Zelles customer support never resolved anything. Zelle kept money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting erroneous payment history. In XXXX of this year I was put on a deferred payment. I have 3 accounts with XXXX XXXX car loan and 2 credit cards. One of my credit cards I had to make a {$50.00} on XX/XX/20 and the other 2 loan payments i n't due until XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX just alerted me that there's no payment history for my XXXX XXXX  accounts and my Equifax score dropped by 4 points. I can't have any late payments appearing because eventually I'm trying to qualify for a house
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I had converted Binance Cryptocurrency into {$240.00} USD in my Binance.us account and sent it to my checking account. I never received my disembursment email which would let the transaction go through to my bank. I contacted Binance.us through their ticket system and received no response. I have done similar transactions with them before with no problem. This is the first time there was an issue. Finally after no responses from Binance.us, I contacted the XXXX XXXX XXXX. After a few weeks of using them as a liason, Binance.us claimed their third party company that sends the disembursment emails said I received the email. I again stated I have not received it and my funds are still pending as a transfer to my bank account. The XXXX XXXX XXXX closed the cased showing that I did not agree with the resolution. So it's been over a month, and I can not receive my funds, and customer service at Binance.us isn't giving any real timely communication.
Product: Mortgage

When my mortgage transferred to from one lender to PHH mortgage. They failed to escrow all my current taxes ( village tax ). That were already escrow. I have called multiple times and finally got someone to look into it. Now they are calling me and refusing to ID the company they are calling from when directly asked multiple time. I was only able to find out what company they were calling from based on reversing the phone number on XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS BEING DISPUTED HAS BEEN CLOSED WITH MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE FOR THEY HAVE TARNISHED MY NAME. I AM NOT PLEASED WITH THE RESULTS AND WOULD LIKE FOR THOSE ACCOUNTS TO BE PERMANENTLY REMOVE OFF MY CREDIT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  did not provide me the original application contract. And have been negatively reporting to Experian and XXXX my consumer credit reports. I demanded to removal of this negative account immediately. The others were unauthorized credit inquiresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan today XX/XX/19 and I was not approved because when they ran y credit, they said that there was an account and some inquiries reflecting badly on my credit report. That account does not belong to me. I did not open that account and I did not allow anyone to open this account in my name. I have never opened an account with that company nor did I ever make any purchases or payments towards the account that I have listed on this report. I filed a police report as soon as I found out about these unauthorized items on my credit report.
Product: Debt collection

They contact me on my home phone but phished for my cell phone number and have been calling home and cell. I specifically asked the first agent to no longer contact me on my cell phone but to call me on my home number. I want to know how I could send a cease and desist from contact letter. They also contacted numbers on my contact list for the creditor XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( IQ data International, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearly states that 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.

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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

In violation of the Fair Debt Collection Practices Act FDCPA and/or Fair Credit Reporting Act FCRA and/or my state law as applicable, this business or as it seemed a collection company named Diversified Adjustment DA placed a malicious collection ( of undisclosed incorrect and/or negative information ) Within XXXX against my exceptional credit history ( I never failed to pay on time any business and my credit report show Zero missed payment a fact PROVEN BY XXXX ITSELF and As assessed by A different source as you can see in the attachments ) and without sending a single written notification disclosing complete information of the malicious information it used to causing me imminent and irreparable damages and losses. The unprecedented shocking is that DA is terrorizing and/or threatening me by phone repeatedly after It placED THE malicious information damaging my credit reputation and more other in violation of FDCPA and/or FCRA and/or privacy act and/or freedom of information Act and/or other applicable laws and/or acts. This company named Diversified Adjustment must contend of all the above is true and thus it must delete that now illegal, incorrect and/or threatening and/or wrong collection of incorrect retaliatory allegation that this company intentionally used to cause me harm recklessly without informing me in writing, without allowing me to dispute and any situation now Diversified Adjustment to assume full severe legal consequences for its illegal acts that it made against me in violation of all the above referenced laws and/or Acts. I also attached a document an important document that DA must contend to its facts that I supported with clear evidences are true and thus DA violated the law if DA did not prove with clear evidences that my every single fact of my facts are all untrue. To prove me wrong you must provide undeniable clear convincing evidence supporting to prove the opposite of every and each of my proven facts. ALL STATED herein is to my current states belief knurled and understanding and it is all subject to anything or any correction by my person only at anytime without prior notice and without waiving my rights.
Product: Credit reporting or other personal consumer reports

THIS IS NOT MY DEBT. I am writing in response to your notice about an alleged debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I am not liable for any debt with XXXX XXXX Accounts, XXXX, and XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us, this was investigated by XXXX, Resultingin the Deletion of these items from my credit file. I am attaching a notice of deletion from XXXX for each. account. 

This is just not fair.