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

I ordered XXXX XXXX XXXX for my nephew 's B-Day XX/XX/XXXX with an arrival date of XX/XX/XXXX, last status check showed XX/XX/XXXX. I switched the delivery location from my home to XXXX, however, I never received the shoes. I checked XXXX first in which 3 different enployees said the shoes weren't there and then I contacted XXXX and XXXX, both companies said they started a claim, but I never got a refund or the shoes therefore I contacted Capitalone, who gave me a temp credit, but took it back after XXXX submitted 1 false receipt of delivery even after I submitted several documents contradicting I ever received the shoes. I even had to purchase the same sneakers from XXXX XXXX shoes since I didn't receive the shoes from XXXX and I informed XXXX and XXXX know that if the shoes were in transit to keep them since they didn't arrive as stated and that I wouldn't accept anything from them. 

Also, I checked with my Leasing Office after seeing the charge back on my account for the XXXX shoes and calling Capitalone the rep stated the shoes were delivered to a XXXX zip code. My Leasing Office gave me a document showing a package was delivered there by XXXX on XX/XX/XXXX signed by XXXX the Property Manager, but XXXX came back on XX/XX/XXXX and picked up the same package. I explained all of this to Capitalone and submitted several documents of proof however they are refusing to refund me for an item I never received. XXXX never refunded me either. 

Also, informed all companies that there was 2 items listed for that one tracking number, but no one could explain why. Also, not sure why XXXX delivered shoes to Leasing Office at all when my request was for XXXX pickup?? That couldn't be explained either. 

Also, per Capitalone rep XXXX submitted 1 receipt that shoes were delivered on XXXX, however I have submitted a document contradicting that from their site as the shoes were still in transit, shows delivered on XXXX to XXXX which wasn't true after calling XXXX & doc shows shoes were then picked up by XXXX and delivered XX/XX/XXXX assuming that is the Leasing Office where the shoes were then picked up by XXXX on XX/XX/XXXX according to the Leasing office document, and now the shoes are in Limbo, but I'm being charged for them. 

I also feel this is retaliation because I informed Capitalone that once the case is resolved and I get my refund I'm closing the account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA the term Investigate Consumer Reports.

Means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or motive living is obtained personal interviews were neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting a 100 % accurate and according to the FRCA 15 USC 1681 everything has to be a 100 % accuracy I have I've the credit report showing the inaccuracies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was a purchase made to my account that does not have overdraft capability and is a debit account only on XX/XX/XXXX. I did not authorize this XXXX I disputed it with my card holder Chime and they denied the dispute. I immediately called and had it reopened and asked for them to email me with how they determined my dispute. They denied it again and never emailed the documents although i was promised XXXX different times by XXXX different customer services reps they would. 
The charge was from XXXX XXXX and just so happened to be of the same amount as a purchase I had made at the end of XXXX. 
The only info I got from talking with numerous customer service Agents was that the charge was forced by XXXX XXXX, when I kept asking how it was possible this charge was ever made without the amount available on my account and how can it be made resulting in a negative balance when I don't have XXXX XXXX on my account? XXXX XXXX is there version of overdraft capability for customers who direct deposit a regular paycheck, which I do not. I know I did not make this purchase on XX/XX/XXXX and I would like to know how they even excepted the charge to my account and now denying the dispute XXXX.
Product: Credit card or prepaid card

I have an issue with the Ultimate Rewards program. The first thing I see when I login on the left side is my Ultimate Rewards balance of XXXX total point as of this moment that I am writing this. Upon clicking on it, it displays the XXXX credit cards with their respective " current '' point balances and asks me to select one. After I select the card account that has XXXX points, I hover over to the top right where it displays XXXX points and then select combine points. On the combine points screen, I select to move XXXX points to the other credit card account with XXXX points. I then select the option to move all my points. After I press Review, on the next screen I click Confirm & Submit. Then I get the message " An unexpected error occurred. '' I called customer service today and spoke to XXXX. She said since the account was closed in XX/XX/XXXX, I had to have used my points within 30 days. I did not know that. If that really is the case, then why does it say that my " current point balance '' is XXXX points? If I am not allowed to use the points that I have earned then why does it say that those points are my " current point balance ''? She was not able to give a satisfying answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my husband and I filed for Chapter XXXX Bankruptcy. In regards to this particular account, XXXX XXXX XXXX XXXX, we filed a Chapter XXXX Individual Debtor 's Statement of Intention on XX/XX/XXXX. We stated that the property would be retained in the bankruptcy and the debt was to be reaffirmed. We claimed the property as exempt. We had never been late or delinquent on this account. Neither us nor our lawyer received any documents from XXXX XXXX   after this submission. In XX/XX/XXXX we visited out mortgage broker to start the process of qualifying for another home loan, as we are ready to purchase another home and sell this current home we are in. It was discovered on our credit reports that XXXX XXXX reported to the major credit bureaus that our mortgage account had been " Included in or Discharged through bankruptcy ''. XXXX XXXX quit reporting on this account in XX/XX/XXXX. In each phone call to XXXX XXXX we have been told different information. In one call the customer service representative told us that they do not send out reaffirmation letters. In another one told us they sent us one, that the letter would have gone to our attorney 's office. When I asked for proof that this had been sent they told me they only send them regular mail via the US Post Office and could not provide that information. Which I found odd since any letter that they ever sent us was also available online to view. I then contacted my attorney 's office who filed bankruptcy for us. Their office told me that EVERY reaffirmation letter they receive from ANY creditor is sent either XXXX  or XXXX or USPS with delivery confirmation/signature required so proof of delivery is available. I have filed multiple disputes with Experian and XXXX with no changes made. I have sent them all the supporting documents including proof of all payments made, Statement of Intent, a letter from our attorney 's office, and proof that we are current on our payment to XXXX XXXX. How can this account be being reported as closed when we are clearly making payments to them? Today,XX/XX/XXXX, I was told by Experian that the documentation I provided was not enough for them to make any changes. When I asked what was needed the agent told me they don't have a specific list of what documentation would change the status because XXXX XXXX is their client and they have to go off of what they are reporting. I feel the last 2 months of trying to dispute this have been a waste. What good are these credit reporting bureaus if they work for the companies that are reporting to them? Where is the consumer protection in this when there are disputes. This error on XXXX XXXX part is severely impacting our ability to get another mortgage. On XX/XX/XXXX I submitted all the same documentation to XXXX XXXX and was suppose to have an answer from them by now about how to resolve this incorrect reporting/not reporting to the credit bureaus. I am including all documentation sent to XXXX XXXX and the credit bureaus as well as documentation of all payments made to XXXX XXXX
Product: Mortgage

XXXX XXXX  sold my contract to XXXX XXXX XXXX. XXXX was in the middle of fixing the known issue with the fire tax payment, they are not supposed to be paid from escrow. 
My property taxes are due XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX and told them my city taxes were not paid. They said they would look into it because they had XX/XX/XXXX as the due date. They sent me a certified letter saying that they were correct. I contacted them again on XX/XX/XXXX as my taxes were still not paid on XX/XX/XXXX. They eventually got paid by XX/XX/XXXX. The other issue is they are not supposed to pay my fire tax this is a utility tax. They think it is still my property tax and it is not. If they were going to pay all my utility taxes they would be paying the sewer tax and all my motor vehicle property tax. This is what XXXX XXXX was in the middle of fixing before they sold the whole contract over to them. I contacted XXXX three times to try to fix this. Their customer service is unresponsive and incompetent. I have put in a complaint to the XXXX XXXX XXXX only to have them keep saying that they are correct and I'm wrong. I had to pay back to my escrow account {$420.00} back to XXXX XXXX to make sure my escrow account was not below balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vunerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Multiple accounts from Midland credit management on my credit report also multiple phone calls throughout the day and night Midland credit management is in XXXX violations with the harassment tactics Im planning on suing them
Product: Credit reporting or other personal consumer reports

I don't want these accounts in my report, they are directly affecting me and they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Sallie Mae is a terrible lender. Average wait time on phone calls are XXXX45 minutes, once the call is answered, you are continuously placed on hold. I needed a simple payoff letter on XXXX loans and it took me 7 days for them to only get the XXXX, then it took XXXX additional phone calls to get the other XXXX completed. I spoke with about XXXX different departments (? ) the expediting dept. said it would take XXXX72 hours to produce ( SOME EXPEDITING!! ), As I write this, I have been on hold for 35 minutes. Too many departments, too many workers and too much ineptness. I am glad I am paying this off because their poor practices scare me!!!!
Product: Credit reporting

Credit Reporting, Victim of TransUnion inquire issues. I called and spoke to customer service and they were n't willing to take of the issue. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

CLAIM # XXXX XXXX Purchased jewelry while on vacation. 

XX/XX/ Reached out to merchant via e-mail requesting a pricing adjustment since the items were fake. No response received. 

XX/XX/ Filed a dispute with my credit card company. Had the items tested with a local jeweler and they were determined to be synthetic. 

XX/XX/ Received a letter from the credit card company stating that since the items were purchased in person and they didn't have a valid document to compare what we bought vs the jewelers determination. 

XXXX  Spoke with the credit card company via phone. We discussed the fact that there would have been no way for me to determine that the items were fake just by looking at them in the store. I also pointed out that I did in fact provide the documentation showing what the merchant claims they sold me vs the jeweler 's statement that the items are synthetic. I was told that there is nothing else they can do because of time limitations. I filed the claim XX/XX/ and didn't get a reply until XXXX so I feel the credit card company worked time-line in the merchant 's favor.
Product: Bank account or service

I left one of my bank accounts with Bank of Albuquerque unattended. I overdrafted and was not notified and got an overdraft fee. I checked my account 2 months later and accrued more than XXXX $ in extended overdraft fees. I am not currently in a financially stable position and can not close the account. It has been over a month since then and the debt gets worse. 

Naturally I am to blame for not checking on my account routinely, but I almost never used it. I should have received a warning. Furthermore, I have checked and it seems extended overdraft fees exist in a legal grey area, and there seems to be a lot of class action lawsuits for this sort of thing. Argument being that it is not a fee for a service, and so it must count as a insane amount of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Rights Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions.

I DID NOT AUTHORIZE or give any Verbal or written instructions allowing the above accounts to be listed on my Credit. PLEASE REMOVE THEM IMMEDIATELY
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF THE TREASURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My XXXX XXXX, E-States at XXXX, in XXXX XXXX, CA contracts with CIT Bank to provide PropertyPay service which includes electronic payments as well as automatic payment. 

My automatic payment plan was set up in XXXX and never touched since then. 

CIT Bank has missed my XX/XX/XXXX payment and I was assessed a late fee of {$45.00} and delinquent interest of {$0.00}. 

Both the late fee and the delinquent interest was added to my bill and payment for XX/XX/XXXX which was subsequently automatically paid by CIT Bank.
Product: Mortgage

SunTrust Mortgage changed the technology on their e-Pay system around XX/XX/2016. Since that time my mortgage loan account has improperly not shown my current payment due on e-Pay on the first of the month. Every month now XXXX shows my XXXX of month payment due AFTER I have paid it! I have spent numerous wasted hours on the phone with loan servicing staff who are unable to fix the problem and who are unwilling to own the problem. And around mid-month each month I am improperly billed for TWO payments - the current month AND the next month 's payment..
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Payday loan, title loan, or personal loan

I have excellent credit, however all of my reports are frozen due to identity theft concerns. When I initially applied I was turned down and the letter that was sent to me said to unfreeze my XXXX report and reapply. I did this and was turned down again. I tried calling twice and finally got someone who said to unfreeze all three and try again. I did this and I am still getting immediately declined without being asked any questions etc. I have not received any other decline notices so I don't know why I am being declined and PayPal will not tell me over the phone. I am very frustrated. This credit is the only one I can use on XXXX so it's very inconvenient to not have it available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I XXXX XXXX am contacting you regarding my self lender credit card account. I am coming in good faith good conscience and good reason in order to settle this matter as peacefully as possible I recently reviewed my consumer report and realized that there were some inaccuracies in your reporting it appears that your company is reporting a late payment on my account from XX/XX/2021. This negative reporting is violating my rights as a consumer violating my right to privacy and has been damaging to my reputation. Under title 15 Usc 1692 this is false and deceptive means of collecting a debt as well as unfair debt collection practices. I enjoy your services and by the grace of god I am requesting that this account reporting be updated to paid as agreed and the late payment be removed so that my god given right will no longer be violated so that I may continue on my journey of self determination and the pursuit of happiness. please provide me with an updated report stating that these adjustments have been made to the reporting on my account. Noncompliance and negligence will not be tolerated, violation of my consumer rights will not be tolerated please provide me with the proper information on. how to contact your legal department for all future occurrences that may occur The Account number is XXXX my phone number is XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ACCT # XXXX ~XXXX XXXX XXXX, XXXX ACCT # XXXX ~XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX ACCT # XXXX ~XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX ACCT XXXX * XXXX ~XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX XXXX # XXXX ~XXXX XXXX ACCT # XXXX XXXX5 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 or crimes which antedates the report by more then 7 years. 15 U S C 1681s 2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person the person knows or has reasonable cause to believe that the information is inaccurate.