23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I paid for a rental from a XXXX listing https : XXXX. I signed a rental agreement and sent the money via XXXX. The total was {$1100.00} which I sent in two payments by request. {$700.00} for the security deposit, {$450.00} for the house rental. The money was sent on XX/XX/21 to XXXX. 
When my family arrived at the listing, the house was occupied by it's owner who claimed to know nothing about the rental agreement. 
All correspondence was done with a person going by the name XXXX XXXX XXXX. His phone number is XXXX, email XXXX.
Product: Checking or savings account

I'M a very unhappy XXXX XXXX  customer i have been fighting this problem the you guys for the past few months and i have to do the same thing every time go to my local branch and verify my identit and then I'm dealing with the same problem and I'm sick of always being told i have to go inside of a local branch all I'm trying to do is withdraw my money out my account so that i can pay my bills and your customer services center they are all very rude and disrespectful and hang up on customers you can get a hold of me at XXXX I'm looking forward to hearing from you.
Product: Credit card or prepaid card

XX/XX/2019 I have attempted to resolve account by paying off but unable to with the credit card company and its hurting my credit
Product: Checking or savings account

I Tried to call the bank to open a merchant dispute but nobody answered the phone call, so I want to dispute it through here.

I made 4 purchases on the store, but they didnt have stock of the products at the same place so they will send it from their warehouse to my address. 
XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$870.00XXXX XXXX XXXXXXXX XXXX XXXX All items must be delivered on or before XX/XX/2023, but never arrived. Also the merchant never provided a tracking number, delivery confirmation or any other shipment information. I tried to reach them several times to get that information by the website and phone calls but nobody respond. The first contact was in XX/XX/XXXX and the last was XX/XX/XXXX. Im not on that city any more so its impossible for me to go in person to the store. XXXX ending in XXXX I have the invoice that I want to share with the bank to support my case where is written they will send the purchase by XXXX
Product: Debt collection

The Company named ERC Enhanced Recovery Company also known as Enhanced Resource Centers sent me a bill of {$220.00} for an account they claimed I owed to XXXX in 2011! They record the call and force you to agree with them about the addresses they have on file in order for them to continue with the call, but then turn around as use your recorded voice as if fraudulently you agree that you owe the debt. I AM NOT DELINQUENT WITH ANYONE. You can not speculate or falsely claim I owe a debt as well and falsely report this debt as current from more than 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by XXXX XXXX XXXX ohio hafs program. XXXX knows I was approved for State assistance through the XXXX XXXX XXXX XXXX Ohio program. The money was sent to pay my mortgage in a timely manner but XXXX XXXX has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to XXXX. No one knows what's going on and they do nothing to help their clients.
Product: Credit card or prepaid card

I had got a BestBuy credit card and signed up for auto payment and e-statement for each month I was getting my statements, but they did not show any charges. I just got the Your XXXX Annual Account Summary report from BestBuy and seen over past year there was around 700 dollars worth of charges around 110 dollars each month for some debt protection fees. I never would have signed up for this if I was properly informed about it and the fact that it was not showing up as charges each month is looking like unfair practices to me. I called the XXXX number and got redirected three times before I got someone who cancelled the program. I asked for proof that I was informed and signed up for this program and was told it could take 30 days before I am sent anything. I think sense I was not shown each month this charge was happening I should be allowed to receive a refund of these charges as I did not even see this until the summary report came out and I seen this in it. 

Miscellaneous XX/XX/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 XXXXXXXX XXXX XXXX XXXX Seeing this report and looking into it I have seen I have also been charged for XXXX and XXXX of XXXX so far as well XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have looked online and seen that Citybank has already been forced to pay back money for Deceptive Marketing from this debt protection stuff. 

I made a big purchase in XXXX but before that I have almost always payed off the card sense I had it and never seen these charges before.
Product: Credit reporting

There is an address I have never lived at XXXX XXXX XXXX XXXX XXXX AZ XXXXI have never stepped foot in the state of Arizona. Yet it was listed as an address of residency on my report.
Product: Credit card or prepaid card

On On XX/XX/21 they said they were delivering. XX/XX/21 I received a message stating they cancelled my order. ( against store policy ) only I can cancel. The amount of the 3 items that they were refunding was not correct. XXXX, XXXX, and XXXX - They said they were refunding XXXX this is wrong. After XXXX calls to Walmart, XXXX who delivers to customers could not give me a viable reason. I contacted my credit card company and it was not refunded. Some of my calls were XX/XX/21 and today XX/XX/21 to no avail.
Product: Credit card

I am alleging discrimination by discover card which has been suspected all along. I need all copies of complaints i have made as i believe once i retain counsel this is headed to court. Nothing has been resolved. The same person XXXX XXXX is answering my emails to follow up on promos I request and that I am told may be available to me. I have asked anyone who answers me to tell me who they are based on the horrible way i am treated. I am being discriminated against and i want it investigated. XXXX XXXX continues to mischaracterize my unresolved complaints and requests as " dissatisfaction '' I dispute that. Its resolve. You see being in my XXXX and handling credit well all my life with many banks i know this is discirminartory. I will stop paying all accounts and take steps to protect my credit based on the discriminartory way i am being treated. Years ago i was told notes on customer accounts telling other agents not or to do something in particular was prohibited but its done all the time here. Further when i make REQUEST I am transferred to a specific place. I will not and can not keep spending my time writing here. I have stopped paying all accounts because if i am reported to credit after trying to get help not counselling for credit not being sent the agreement but a promotion as i was promised by collections. I will not let my credit suffer and i will not be treated in this discriminatory fashion. 






































XXXX COMPOSE Labels Inbox ( XXXX ) Starred Sent Mail Drafts ( XXXX ) More CollapseHangouts More XXXX of XXXX Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred
Product: Debt collection

XX/XX/2022 I ordered a shower door from XXXX. The door that was delivered was not the correct one. It was returned and the account was credited. Since then I have been billed twice for the correct door that I refused at my front door. I disputed and Discover found in XXXX 's favor. Since I have talked to XXXX and they requested that Discover find in my favor and Discover refuses to do that as the file was closed. i will not pay for a {$600.00} door that I do not have. Discover has sent my account to collection. I am caught between XXXX and Discover with each pointing at the other.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, I received a XXXX XXXX XXXX XXXX XXXX. I was the primary cardholder for this account. On XXXX, XXXX, I left the business that this card was used for. On XX/XX/XXXX, the total amount on the card was paid off and I put a freeze on the account. Unfortunately, the account Freeze did not stop some pre-authorized charges from occurring. Since I was unaware of these charges, this account became past due. The problem that came up was that XXXX did not mail any notices of this to the primary address, which is my home address. Instead, they mailed it to the business that I was no longer at. In addition, because I opted for XXXX, I should have received electronic statements showing the past due amounts. However, someone changed the email address on this account from my email to the email XXXX. I never authorized this change nor do I even know who this is. The result was that I did not get any electronic notices for this account. On all three credit bureau accounts they show a XXXX and XXXX  day past due mark which has negatively impacted my credit score. Upon noticing the issue during a routine credit report check in XXXX, XXXX, the amount past due was paid in full. In the last 7 months I have tried to get XXXX to remove these derogatory marks from my credit reports to no avail. I mailed notarized letters to all three credit reporting agencies yesterday but wanted to make a complaint as well. The account # for this business card is XXXX.
Product: Bank account or service

i am super disappointed all my calls and pleas for help are going un heard. i have beena c ustomer for a long time with credit. i need some help i need a business account with no minimums no fees for a while. a business account i have a spark card. I have always been helped by this bank and this is just being ignored. please help. PLEASE escalate to Virginia office. 
please escalate to capital one bank office of president. 
i need help. not the run around loyalty for loyalty PLEASE assist. this account will have over XXXX XXXX with the year from an expected grant. PLEASE help no scripts. I have called, written getting nowhere pleae help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file if the information is outdated/ incorrect under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$1500.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$400.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to accurate information from all three credit bureaus and I am aware that I have items missing from some bureaus that are, in fact, on others. Please send me proof proof of my debts from all bureaus or remove this account from my credit report for inaccuracy. I request that all future correspondence be done through email.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2020, I discovered numerous accounts on my credit reports, that were not opened by me. As a result of this theft, I have suffered irreperable harm, my credit score has been significantly affected, and the time that this has taken to remedy this damage has been unconscionable. 
I contacted the company CBNA, directly, a-prising them that they have mistakenly reporting adverse information on my report as I am not the person/individual that requested services, nor have I obtained any goods of any sort. 
As required by the FCRA, I subsequently mailed CBNA numerous documents, which included multiple police reports, affidivats, FTC reports and proof of my identity, letting them know this account was fraudulent.

They have continued to report this account on my credit report and in fact have negligently verified the validity of this account with XXXX  Credit reporting agency. I have asked that this account be remove from my report as a result. I have repeatedly asked for validation of this debt and the application that was signed requesting that this account be open. To date, they have sent me nothing, however, CBNA, continues to report this account as a charge off account. Further, negligent enablement of identity theft by false reporting, libel as well as continued false validation of this erroneous accounts violates many of my civil rights in accordance with FCRA rules. 
DOCUMENTS MAILED TO THIS COMPANY ARE AVAILABLE UPON REQUEST. DOCUMENTS HAVE BEEN MAILED 12 times since XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with a company ( XXXX  XXXX/XXXX  ) not taking payments and then charging late fees. I called and asked for an online log in and they said they could not do that then I asked to make a payment over the phone and they said their system was down. I called back the next week or so and the company said that the promotional financing expiration date expired and that there was an added aprox~ {$200.00} to the account. I explained the situation then they said they would remove the interest. They then took my payment and told me the account would be at a XXXX  balance. A few days later I go to check my credit and notice that there is still {$210.00} unpaid ( the amount that XXXX  XXXX/XXXX  had agreed to remove ). I went to dispute the charge and it came back that it was a valid charge. I called transunion to talk about this and I got a hold of someone and they asked for my ssn. They had an accent and was curious where they where located as I just gave them my ssn. So I asked and was told the united states. I asked which state and they started to get defensive and told me the united states and that they where not allowed to tell me which state. I then asked if I could speak with a manager I got transferred to a line that said " welcome to transunions disputes center we are currently closed ''. Are my calls to transunion being routed to another country where there are no laws for prosecuting someone properly for identity theft. Another concern is that XXXX  XXXX/XXXX  is making it more difficult than necessary for me to make payments so that they can collect late fees to increase profit. Thank you for any help you can offer!
Product: Mortgage

XXXX Force-placed insurance. 
In XX/XX/2018 you purchased homeowners ins for XXXX XXXX XXXX XXXX send copies of the written notice pursuant to XXXX ( d ) ( XXXX ) that you XXXX now Community sent to homeowner before purchasing XXXX for XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello my name is XXXX XXXX I need my Claim number XXXX to be reopen because I have dispute with XXXX but I have lost the dispute because I have send it with friends and family not with goods and services and XXXX won't help me with it further they keeping telling to go to y'all and I have told them I did but I lost the dispute there too please reopen it or give me a credit for {$100.00} because I didn't get my order she scammed me and block me on social media on XXXX please reopen it XXXX wont reopen my dispute or give me a one time credit and they say to go yall again and again please reopen it or give me a one time credit or send it to a supervisor etc. My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Product: Credit card

I recently came into financial hardship back in XXXX of 2023 and was having a hard time keeping up with payments. I took it upon myself to try to work with my creditor ( Capital One ) and asked if there was any hardship program options available to catch up in payments. I was offered lower payments for XXXX months in order to catch up without any late fees. However I recently got an alert that my account has been past due XXXX days to the credit bureau all while I have been making the payments to keep my card active and open. I expressed to the company that it was misleading to be on a payment plan and made it seem as though Im making payments towards my credit card minimum but being reported to the credit bureau that Im not making payments at all. I then asked if there was a way to remove the negative remarks and was told that there is no courtesy offer to remove negative remarks made against me although the company mislead me with their payment arrangement. It was then suggested to make the full minimum then be caught up yet still suffer with the negative remarks made on my account with no explanation and accountability of the company. And the worse part of it is that its a business credit card thats being reported on my personal credit which has now been lowered over XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX. Account # XXXX XXXX XXXX  XXXX XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT. 

XXXX XXXX  ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS. 

THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022. 

I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.
Product: Credit reporting

TransUnion had a computer error in their system that violated the rights of their consumers under FCRA section XXXX. The computer error caused credit inquires to be deleted from my credit report and then after they realized the problem, they inserted all the inquires back onto my credit report without prior written notification. I have spoken to TransUnion however they are denying it and refuse to remove the re-inserted inquires on my credit report. I demand that all these inquires be removed from my credit report immediately as there was no written notice given.
Product: Mortgage

Seterus Inc. has taken over the servicing of our mortgage from XXXX XXXX XXXX. This company is harassing us through a barrage of phone calls when they deem the payment late. We sometimes send the payment in the first week of the month and although there is no penalty they claim it is late and that I need to pay it by the XXXX of the month. I never had this problem with XXXX XXXX XXXX. We had until the XXXX of the month before penalties were assessed. 
I have also been locked out of the of the website and to my amazement there is no direct # to call on the website. I tried one of their phone # s used to harass their customers and was redirected to the website. This is basically a company that has ear-marked customers and is out to get those XXXX XXXX XXXX customers that may have gotten in trouble with payments. 
The worst service and the worst treatment of customers I have ever encountered by a bank.
Product: Money transfer, virtual currency, or money service

I recieved a refund for a prescription i got on XX/XX/XXXX. The refund was given to me on XX/XX/XXXX at XXXX am. Cash app shows i have a refund amount of XXXX but its not available cor me to spend. They said its processing and it can take XXXX business days. The app shows they have recieved the money and they wont give me a reply of why its not on my account. Last time i had an issue like this with them it took me XXXX  days to recieve my money. They keep lying and saying the merchant has my money and thats not trye at all. They show what day and time they recieved it but wont give it to me.
Product: Debt collection

I attended XXXX XXXX XXXX back in mid year of 2023 in there data science program. However, within a week of attending the I found class and program to not be what I expected. I withdrew from XXXX with a XXXX account balance. Throughout the entire process of with my academic and financial advisor confirmed I have XXXX balance. I transferred to the XXXXXXXX XXXX  with no issues. It should also be noted that that XXXX is under XXXX school system. Bottom line I withdrew from XXXX with XXXX account and transferred to XXXX for their XXXX XXXX XXXX Again I withdrew and transferred with my academe and financial advisor stating I have a XXXX balance.
Product: Credit card

I have been disputing this charge for an unauthorized transaction {$1200.00} that I never ordered or authorized. Ive been going back and fourth with Goldman Sachs ( Apple Card ) since XXXX. XXXX the merchant was no help to the problem. I submitted a police report for items not received by me and ordered on my ACC fraudulently. They still have yet to resolve my case. They were unable to provide proof of signature upon delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been seeing my social security used in XXXX couple of websites and also loans that I havent even applied for thank you have XXXX great day!
Product: Checking or savings account

Hello, I have a checking account at Chase. The account is also my direct deposit account for my salary and default account for all my credit cards payments. As of today, there are around XXXX dollars in the account. 
I didn't know my account got locked/freeze until today ( XX/XX/XXXXone of my credit card company told me my balance is past due. I went to Chase and other credit cards account and then found out all credit cards payments got returned since first week of XXXX. 

So I called Chase. Two representatives and a manager talked to me, which took me 2 hours. In conclusion, Chase told me my checking account is locked, due to an investigation. The investigation started on XX/XX/2023, and no one from Chase told me that. After over two weeks, the investigation is still ongoing and Chase can not share any details regarding the investigation and Chase doesn't know how long it still need to investigate. The only thing they are keep telling me is I need to keep wait and I can not withdraw any of my salary. 
That's XXXX dollars, and I need the money to pay my family expense and pay credit cards. I have XXXX kids at home and now I can not use my salary money. The only thing I got back from Chase is KEEP WAITING. 

Please help me, I don't understand if there is an investigation why can not they share details and let me provide feedback so they can solve this faster. And plus why I can not use my own salary money. I need the money to pay my family expenses. Please help me, I really don't know what I need to do. Please let me know if you need any more information. Thank you!!