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

On XXXX I made a purchase through XXXX for an item offered by XXXX XXXX The item arrived damaged. I discovered the item after it was delivered, noted and documented the damage. I contacted XXXX requesting a return shipping label. XXXX responded, saying they do not solve third party transactions, but forwarded my complaint to the seller. However, I received email confirmation of the delivery from XXXX. At the bottom of that email, is a discloser that says XXXX handles all disputes with orders through XXXX or XXXX XXXX transactions. XXXX said via email, that the seller would contact me. In the meantime, I contacted XXXX requesting a return shipping label for the damaged item. XXXX responded after a few days with tracking number XXXX, and a XXXX XXXX arrived and took the damaged original package containing the item. I received no further communication from XXXX, and no contact ever, from the seller, XXXX XXXX. In their response to Discover, XXXX alleges that I failed to contact XXXX. Their email correspondence with me, clearly makes that statement false. I disputed the transaction through Discover, who posted a temporary credit. I uploaded evidence of the item being return to the seller, with tracking number XXXX. The seller signed a receipt for the returned item on XXXX. Some XXXX months later, Discover notified me they had received information from the seller, who contested my dispute. Discover determined the charge to be valid, based upon the response from the seller and from XXXX. Disregarding that the item was received damaged and was returned. I have again disputed this transaction, complaining of the seller 's and XXXX 's false information in their response to Discover, and their fraudulent actions. Considering the item was damaged, the seller could collect for the damaged item, with a claim through XXXX. Instead the seller is attempting to fraudulently maintain a charge for a returned item.
Product: Mortgage

I sent a check to pay my escrow shortage in full, it wasn't received. My bank is aware & will stop payment if it comes through. On XX/XX/XXXX I called & spoke with XXXX at Specialized Loan Services, my mortgage company. I paid my escrow shortage {$330.00}. I had been told previously my payment was still going up, from {$760.00} to {$790.00} even after paying the escrow shortage. My monthly bills kept showing {$820.00}, as if escrow was never paid. I called XXXX XXXX and was told escrow showed as paid, the system just wasn't updated but would be. The regular payment should be {$780.00}.?? I paid what I did last time. XXXX bill arrived, same problem.. XXXX bill arrived and I called on XX/XX/XXXX. I spoke with XXXX. She was very nice & as confused as I was. Escrow HAS been paid!! She transferred me to the escrow dept & I spoke with XXXX.This is when she told me that when they took over my loan in XXXX there was a {$28.00} escrow shortage! it had gone up to over {$50.00} ... I GOT VERY UPSET!! this is the first I'm hearing of it.. From almost 3 years ago!!?? I pay my escrow shortages in full every year!! What the XXXX happened?? I said I was not going to pay for something that happened years ago & I was never informed about.. She said I would get a letter of explanation.. I HAVE RECEIVED NO LETTER ... on my mortgage statements.. 
XX/XX/XXXX uncollected escrow {$28.00} XX/XX/XXXX uncollected escrow {$56.00} XX/XX/XXXX uncollected escrow {$50.00} XX/XX/XXXX uncollected escrow {$45.00} XX/XX/XXXX uncollected escrow {$45.00} XX/XX/XXXX uncollected escrow {$39.00} I want an explanation why I'm paying for escrow from XXXX How did it go from {$28.00} to {$56.00}??? and what exactly is my real house payment suppose to be??
Product: Credit reporting or other personal consumer reports

Someone used my information and applied for accounts, used my social security number and applied for credit accounts. 

Credit inquiries : 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
Product: Debt collection

I received mutiple harrasment calls from this debt collector, even when i was at work ( a XXXX XXXX XXXX ) also never received a settlement or the right amount they said I supposdley owed. their product was late and they demanded me to pay for a different ammount of the goods.I reported this collection as fraudulent to XXXX and had it removed from my credit report. I received a letter from Jefferson Capital a few months later with a bill for the amount. I called Jefferson Capital and informed them this had been successfully disputed and removed from my credit report and asked them to remove me from their system. They then asked me to confirm my SSN, when I told them I would not give them my SSN the representative asked if he could read back to me the number they had on file and if I could confirm it that way. He was willing to read my social off without confirmation of who I was! This is absurd. I told them I would not confirm that way and asked for them to remove me once more and hung up. I would like to report this so I have evidence of the incident in case any more issue follows or they attempt to refuel with the credit bureau, this debt ws going to be removed from my file in a month.
Product: Money transfer, virtual currency, or money service

I have an account with Affirm for a bed that I ordered from XXXX. The bed was cancelled and never came. Affirm sided with the company so I am paying XXXX and have no bed.
Product: Credit reporting

XXXX and XXXX credit bureau is reporting this information on my credit file that it has been late payment but that cant provide me with support documents showing this acct has be late per Fair Credit Reporting Act Section 609
Product: Vehicle loan or lease

I have a loan that has been paid off according to my payment statements and payment report. I was told that 10 extensions were put on my account and I have zero information on 8 of them. Additionally I was told that I have a XXXX balances 2 payments shy of the the loan pay off. No explanation has been provided to me and nothing of proof regarding the extensions. The remaining balance is substantially high, I asked what options do I have on top of proof and explanation, I was told by a supervisor I would be fine because a settlement was going to be available but was then told that they dont do settlements. So now my loan which would have been paid off by now is almost half of the total do.
Product: Debt collection

Im writing this complaint to request a review and correction of the alleged derogatory information that violates my rights as a consumer. 
The above collection agency contacted me on XX/XX/XXXX to collect a debt that they believe I owe. 
Rockford Mercantile Agency stated in their request that I owe to XXXX XXXX XXXX {$620.00} in which is now past due and placed with them for collection. 
On XX/XX/XXXX I submitted my request to validate a debt to Rockford Mercantile Agency and requested to provide me with a proof that debt is valid and Im financially responsible for the above debt. 
I reviewed all my records and I found that back in XX/XX/XXXX I had an office visit with XXXX XXXX XXXX and I paid off all medical bills that I owed between XX/XX/XXXX and XX/XX/XXXX. Since XX/XX/XXXX, I have not been contacted by the above creditor about unpaid debt In response to my request, Rockford Mercantile Agency provided me with a copy of itemized billing statement that show that I owe {$620.00} to the above creditor and this debt have not been paid. The above agency did not fully verified unpaid debt and did not provide any additional information as a proof of their validation of debt. Instead they disclosed without my consent my medical records from XXXX XXXX XXXX and violated my rights as consumer according to Fair Credit Reporting Act. They did not provide any proof that they licensed to collect a debt in state of Illinois and proof of last payment that has been made on the account. 
The above agency reported derogatory information to all consumer reporting agencies XXXX XXXX, and XXXX  and violated Fair Debt Collections Practicing Act, Section 809 ( b ) validating debt. The debt of first delinquency on my report is not accurate. I do not owe any debt anything to the above creditor since XX/XX/XXXX. 
Moreover, I disputed the above debt with original creditor XXXX XXXX XXXX and advised them to review and verified their records of my payments that made towards unpaid debt.
Product: Credit card

I went to the Bank, paid the credit card in full and ordered the account to be closed. A week later after the bank said the card was closed, Elan allowed other charges on the card without my consent and then put late payment remarks on my credit when the charges should have never been there in the first place. After contacting Elan I was forced to pay the charges before Elan would close the account.
Product: Credit reporting or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX : {$2400.00} XXXX XXXX  XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$2000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX AV XXXX XXXX, OH XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  NA XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$4700.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed that there are several inaccuracies being reported. According to the FCRA, as a consumer, Im entitled to a fair and accurate credit report. Im shocked at the amount of inconsistent and inaccurate information listed on my report and Id like it to be removed. All attached letters and evidence on these inaccuracies will be listed below.
Product: Checking or savings account

On XX/XX/year> I received an email from Wells Fargo saying that my information had been updated and added a new email address I didn't recognize. I haven't had an open account with Wells Fargo for at least a couple of years. I called Wells Fargo letting them know I didn't make any changes. They said I had been the victim of identity theft then. They were making the necessary adjustments to my account. 
On XX/XX/year> I received a call from Wells Fargo saying they had an update on my account. I called back on XX/XX/year> after verifying the number was legitimate. After a few transfers, I had found out someone had opened XXXX bank accounts in my name. The bank closed them due to identity theft. 
On XX/XX/year> I opened a letter from XXXX XXXX XXXX XXXX  dated XX/XX/year> saying that I had applied for a High Yield Savings Account and they need more information. I called and let them know I had been a victim of identity theft and that I did not try to open an account. They closed the application and recommend I contact this agency.
Product: Credit card

There have been multiple instances where XXXX XXXX  is charging my AMEX for unauthorized charges. XXXX XXXX  has confirmed that another account is using my card, but will not honor my request to remove my credit card information to stop the charges. 

As a precaution, I have canceled my AMEX card and requested a new one with a new XXXX number, XXXX  and expiration date on two separate occasions. For a time, AMEX used their XXXX verification step to authenticate XXXX XXXX  charges for me, but that has stopped and the unauthorized charges continue. I have now disputed the new charges, but AMEX will not honor my request to stop allowing the charges from XXXX XXXX  and refund my disputed charges. 

The latest instances of the fraudulent charges are : XX/XX/XXXX {$40.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$62.00}
Product: Credit reporting 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  Account Number:XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received an email ( attached ) from Citi XXXX XXXX XXXX on XX/XX/XXXX that I would get a {$200.00} cash bonus if I open a high yield checking account with required activities. The requirement to earn the {$200.00} cash bonus was " Open a new Citi XXXX XXXX Checking Account by XX/XX/XXXX. Then, within 30 days after account opening, deposit a minimum balance of {$5000.00} and maintain the balance for 60 days to receive your {$200.00} cash bonus. '' So I opened the checking account on XX/XX/XXXX with {$50.00} initial deposit, and made another {$5000.00} deposit on XX/XX/XXXX, and have kept a balance of {$5000.00} from XX/XX/XXXX to today XX/XX/XXXX. Therefore I have met all the requirements to earn the {$200.00} cash bonus. But as of today I have not yet received the cash bonus. When I called Citi bank on XX/XX/XXXX inquiring about the bonus, I provided Citi bank Customer Service the promotion information and the promotion code I received from Citi on XX/XX/XXXX. And my checking account was credited with {$200.00} on XXXX/XXXX/XXXX labeled as " Credit Adjustment for Inquiry # XXXX ''. However, on XX/XX/XXXX, Citi bank withdrew the {$200.00} credit from my checking account with an online message ( attached ) saying " Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. However, if you have a copy of the promotional documentation or letter you received, we may be able to assist you. If you have a copy of the promotional documentation, please fax the copies to XXXX. '' I faxed the promotion email I received from Citi on XX/XX/XXXX to Fax # XXXX, along with a fax cover letter ( attached ). But Citi bank still would not honor their promise of the {$200.00} cash bonus. I have called Citi bank customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I could not get resolution for this matter. I want to file this complaint so that others would not fall for this trap from Citi bank. Thanks
Product: Credit reporting or other personal consumer reports

I paid the account off with the creditor Midland Credit and it is still showing as unpaid and I have balance on my credit report for XXXX, I have reached out to Midland Credit and asked for the creditor to update my credit report and they are not willing to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has furnished information on my credit report that I did not authorize by written consent, therefor it is identity theft. They also exclaimed they need a copy of my social security card for " identification '' but a social security card is not intended for personal identification purposes. I should not be denied my right to have items removed for not disclosing my social security card or number.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Former : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I forgot that I had a {$20.00} insurance payment charge that was drafting to my account. Because the bank moved out of state, I had moved just about all my funds to another bank account. Citizens Bank took a {$20.00} insurance payment charge and ballooned the fee to {$230.00} within 6 weeks and they never sent me communication through email or text, and through direct mailing I did n't receive anything until it was over {$150.00} in charges. 

If I had been aware of the charges I would have easily taken care of them. Instead they decided to prey on a customer that was leaving them.
Product: Mortgage

XXXX XXXX XXXX. Attempted to call as well as go online to their website to request a payoff amount for my mortgage. 
It is impossible to reach someone via phone ... I waited for over 45 minutes ... they have wait call times that are excessive, you get cut off and have to start all over again. 
I attempted to handle it via their website and have had no response from them other than they received my request and if I resubmit, it will only delay the process. I requested a payoff letter via email on XX/XX/2019. XXXX XXXX XXXX
Product: Checking or savings account

This Bank is continually advertising interest rates, Not paying as agreed, and ignore you when you complain. The Rates issue is as listed, and sent to Synchrony re IRA advertised APR will be 4.15 % They instead do the following, I have copied the complaint I sent to them. Consumers are always complaining when you have large dollars and thousands of customer, can you imagine how customers are being short changed continually. Copy of all is as listed sent to them on this issue, From : XXXX XXXX XXXX To : Synchrony Bank Customer Support Date : XX/XX/XXXX You will not today you clearly are paying a different interest rate than was contracted for, this needs to be resolved please. Account Number XXXXXXXX XXXX Routing Number : XXXX Current Balance {$170000.00} Maturity Date XX/XX/XXXX Term 36 Months Interest Paid YTD {$5400.00} Interest Rate 4.066 % Current APY* 4.14 % From : XXXX XXXX XXXX To : Synchrony Bank Customer Support Date : XX/XX/XXXX I am putting you on notice that I renewed my IRA with an advertised rate of 4.15 % as you are still advertising today. Please see below, you induction and your advertisement. Deposit Amount APY Interest Rate {$0.00} - {$24000.00} 4.15 % 4.06 % {$24000.00} - {$99000.00} 4.15 % 4.06 % {$99000.00} + 4.15 % 4.06 % I am now very dismayed to find the following statement as of today in my account. Interest APR will be 4.14 % This is not what I contracted for and is not acceptable. I have numerous statements where you advertise a particular Interest, and then pay people something else. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

These  XXXX  medical bills are not my debts.  XXXX  for {$280.00} and the other  XXXX  for {$75.00}. I sent Paragon Revenue Group a letter to verify this is my debt per the  Hippa Validations.So i just got a letter in the mail for Paragon Revenue Group that is   suppose to be verifying this is these debts.They have failed to comply not only per HIPPA but also by the FAIR CREDIT REPORTING ACT. What they sent me is not a validation.
Product: Checking or savings account

I initialed an external bank transfer of {$15000.00} on XX/XX/2022, at XXXX XXXX through Citi online and canceled it on XX/XX/XXXX at XXXX XXXX through Citi online. I received the cancellation confirmation, but the fund is unavailable ( pending ) until XX/XX/XXXX. I have called Citibank six times since XX/XX/XXXX and chatted online several times, and each time I was given misinformation : many agents told me that the transaction would be settled within a day or two, and an agent even transferred me to the dispute department who told me that I need to file a dispute instead. The information is very confusing and contradicts each other. I filed a previous complaint on XX/XX/XXXX ; the company responded on XX/XX/XXXX, but misstated that the cancellation request was done " through a third party '' and thus " may take up to 3 to 5 business days. '' In fact, the cancellation was requested through Citibank. Moreover, the {$15000.00} fund was pending for two weeks, much longer than the timeline.