23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Since XX/XX/year>, my direct deposit schedule has been modified from the first of every month to the third, which has caused an issue with my credit card payment to American Express due on the third. Despite monitoring my direct deposit throughout the day, I have missed my credit card payment deadline by a few hours for the past three months. I contacted American Express 's online customer service to schedule my payment a few days out from the third to avoid late payments, but unfortunately, I did not receive any follow-up communication from their end. I have subsequently followed up each month, seeking an update on the issue and requesting the waiver of late fees as a courtesy due to the circumstances. However, I have not received any information regarding the same. Based on their review of my account, I have been informed that I do not qualify for the waiver of late fees. I can provide evidence of payment made a few hours after the due date to support my claim, if necessary.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX a rep from XXXX XXXX called me because I was XXXX pmts behind. After speaking to the rep we came to an agreement that I needed to pay XXXX dollars to help the account. I made a {$47.00} pmt on XX/XX/XXXX while speaking to her and set up a pmt to come out on XX/XX/XXXX in the amount of {$45.00}. The rep then advised that because of my pmts when the on on XX/XX/XXXX cleared I would get {$160.00} in late fee credits applied to the account. Today XX/XX/XXXX I call because I did not see the {$160.00} credited to my account. I was then advised that in order to get the {$160.00} credited to my account I would need to make pmt arrangements for the balance of the card. I made the arrangements of {$20.00} for XX/XX/XXXX and then {$86.00} on XX/XX/XXXX. The rep then proceeded to tell me that I would not be credited the {$160.00} until the pmt in XXXX cleared. The rep then said that she had already given me a XXXX XXXX {$82.00} on the day I made the $ XXXX on XX/XX/XXXX. I told her that everything she said was contradictory because she first told me that I would not be able to get the credit until after the pmts posted... so how did she give me a credit the same XXXX XXXX. Please someone look into this. It is my second time feeling XXXX  over by them. I am trying to make my pmts but they make me not want to because they keep lying to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX  account and collection removed from my credit reports. Ordered products from XXXX all the way back in XX/XX/2013, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted XXXX  and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that  address and they said my package was delivered there but they gave it back to XXXX  to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from XX/XX/2013 of all the emails I sent to XXXX  informing about the address and trying to get them to do something.
Product: Mortgage

bought house for XXXX fifth third bank bought loan in 2013 and with out any contact with me lowered value of home to XXXX but still had me paying higher payment for about ten months still wont change problem but keep telling me they will look into it
Product: Debt collection

I have recently received statements from this Madison Managment Services with due amounts. I have never done business with such company and my mortgage company also denies having any business with this company. On their billing statement its unclear what debt they are collecting. It includes a past due amount of {$420.00} and a current payment amount of {$410.00} statement closing date of XX/XX/2023. In the statement summary I find available credit ( {$47000.00} ) and average daily balance of {$47000.00}. I have never conducted business with this company and therefore I dont feel safe contacting this company. There is no record of them in my credit report on any of the major credit report agencies. I believe they are committing fraud.
Product: Checking or savings account

I had {$350.00} deposited in account on XXXX/XXXX/17. I made a debit card transaction at XXXX for {$350.00} around XXXX.. I had another {$340.00} deposited into my account that same day but in smaller amounts that I withdrew out of an atm for {$300.00}. Some how the deposits got disputed by someone at Bank of America or whoever deposited this money in my account. ( Witch the party that deposited the money into my account had everything on my account because of a loan that turned out to be a scam ) Along with a payment i made to ( myfloridacounty ) on XXXX/XXXX/17 for {$160.00} for a speeding ticket. It turned them into temporary credit adjustments. I did n't file a claim or call fraud department. They have all that recorded when u call. I had a pay check deposited from XXXX XXXX on XXXX/XXXX/17 like I always do every week on Thursdays morning. I was -XXXX when I went to the atm. I called Bank of America a bunch of times and called claims department. I went to XXXX Florida branch and Got treated like trash on the bottom of there shoes. The manager at that branch said that the temporary adjustments were n't there to withdraw. I said I did n't make those claims and did n't care about them cause they were deposits that i used my debit card on. Not credit!!!! Until she pointed out the one about my ticket that i did n't notice. Money was n't available for withdraw or to spend. When she got tired of me telling her how can I use my debit card on something that is n't there. She said I ca n't help you!! I got told why would I spend some one else 's money that was n't mine as I was leaveing. Called claims back and i thought I was getting some where but did n't so I closed my checking and saveings account. I got some emails where they bounced them deposits after closing account.
Product: Credit reporting or other personal consumer reports

I attempted a Experian dispute on a long since payed collection for the amount and wording to be corrected. The amount should be XXXX and wording should not state i have a collection with this creditor and that should not show as a new major derogatory or a new collection which was how it was reported on XXXX. The company in question is affirm and on their very own website and and app it shows that it was clearly paid in full in the amount of XXXX in XX/XX/XXXX but Experian will not update this and it remains on my report hurting my score severely. Im trying to save my familes business that is failing and we've been in business since XXXX and it would devastate 10 families if i cant get correct reporting on my report in its entirety so that i may seek financial opportunities to save our auto repair shop
Product: Debt collection

On or around XXXX MBA LAW obtained private and confidential medical information about me and my minor child then furnished the information on my consumer reports in an attempt to extort me. IN XXXX I received a letter threatening a suit and stating I must call them, I did and told them I would get an attorney in which at first they advise me not to then told me they couldn't talk to me they would have to talk to the attorney I got and the call ended. About a month went by and the accounts were off my consumer reports and then reappeared. I then disputed them and asked for validation and verification in which they sent me diagnosis and treatments and other embarassing confidential HIPAA protected information including social security numbers and insurance policies of that of my minor XXXX year old child and I. After that the account was removed without any further communication from MBA LAW who in fact represent themselves as lawyers and debt collectors yet do not and did not have a NMLS # valid for the state of florida which would be needed to collect debts. In XXXX the account reappeared under two new companies. XXXX XXXX XXXX XXXXXXXX XXXX. After many years and disputes over this debt it was found that MBA law transferred or resold the debt to them knowing that it was fraudulent debt. During a recent third party dispute I found out that MBA LAW admitted to being the " attorney 's '' for assetcare or at least answered for them. When question with why MBA LAW was answering for another debt collection agency, they stated they were their representatives and lawyers and then ignored me. XXXX XXXX XXXX XXXX  who represent themselves as a law firm also have NMLS # that are not valid in the state of florida and have resold the fraudulent debt. I received a letter in XXXX from MBA LAW stating that they " removed all information about me and will no longer attempt to collect the debt '' yet resold the debt to XXXX XXXX services on or about XX/XX/XXXX. This company is practicing illegal activities, identity theft and pure fraud. This company has violated over 100 of my unalienable God given congress granted consumer rights over the last five years and has inflicted an incredible amount of harm to me and my family. I expect the CFPB to back me on this complaint and move forward accordingly.
Product: Debt collection

I bought a XXXX inch FROM XXXX FOR XXXX FOR WHICH they then tacked on an extra XXXX. I originally bought a laptop for which I had to return because it was the wrong one. he charged a markup on this device but did not return it when it was credited I ended up being billed XXXX for a XXXX tv originally purchased from XXXX XXXX through XXXX. Then special financing who bought the loan was taking payments from my check at work. I took them off because I was on XXXX since XX/XX/XXXX I was getting sick pay 15 hours per month and the got all of my sick pay money. So I requested the company take them off of direct pay. they then hit my bank about 6 times I ended up payment XXXX in nonsufficient funds fees the bank credited me back XXXX. The company then went to my XXXX card which I did not authorize they only had it when I used it to pay them before. They stated that I gave them a copy of this card when I took out the loan, this was lie because I did not have this card then. I was reissued a card 4 months after I took out the loan. so after I paid them XXXX and agreed to pay the rest of the money the following month. The went into my account and charged XXXX without my permission ( I thought certain types of payments were not subject to collection -- this was XXXX check from ca state XXXX ) I had been on XXXX since XX/XX/XXXX the job paid them all of my sick pay which I requested and when I ran out they could no longer pay them, they got desperate and they took money from wherever they could. After getting the XXXX from my XXXX they stated that they received an additional XXXX check from my job which means they received XXXX in XX/XX/XXXX. they billed me a final payment XXXX for the bill from XXXX. They were overpaid and they will not return my money I sent the bank the statement that I sent you because they stated I HAD TO PROVE THAT I DID NOT OWE THEM BEFORE THEY WOULD RETURN ANY MONEY. they gave me XXXX on my card but the company did not give me anything. I called today they stated that they sent it too the bank. I asked her two weeks ago why would you send my money to the bank when you received if from my job. The bank never received the money I never received it because they never sent it. I am of the opinion that since the bank paid me back half the XXXX they want to keep it all. See the attached statement where they billed me XXXX and they include XXXX as " other fees '' I do n't know what that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX  has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

My employer used to provide a Health Savings account with XXXX XXXX. Starting XXXX XX/XX/2021, my employer switched to a different company for managing HSA accounts. 

As a part of the transfer, my account balance was supposed to be liquidated and transferred over to the new provider. 

I had a brokerage account linked to my HSA Bank account. This brokerage account was with XXXX XXXX and was opened at the behest of HSA Bank. Unfortunately, during the transfer, my cash funds in linked XXXX XXXX account were not liquidated and HSA Bank simply closed the HSA Bank account leaving my XXXX XXXX account orphan. 

XXXX XXXX tells me that they can only transfer the balance back to the original HSA Bank account since the account was opened by them. As the HSA Bank account is closed, my funds in XXXX XXXX are stuck in a limbo.
Product: Bank account or service

On XXXX/XXXX/XXXX, I moved from my house in XXXX to a XXXX for two years. After the move, someone went through my trash and cashed a torn, fraudulent check. The check was dated in XXXX and was still cashed by a XXXX branch. I filed a claim with Chase 's fraud department immediately after recognizing the fraud. They refused to reimburse the money because the check was not shredded. I filed another complaint pointing out that the check had been torn and was dated two years ago. They refused to change their decision and said it would not be considered again.
Product: Checking or savings account

Navy Federal closed my bank account because they charged me so many overdraft fees on payments. And I am fighting to get all that money back to me and open my account back up
Product: Payday loan, title loan, or personal loan

They charged deferred interest 2 days before grace period was up. I went to pay my balance and they added the deferred interest two days before grace period. The do it with late fees as well.
Product: Credit reporting or other personal consumer reports

I did not grant authorization or initiate these accounts, and it is unjust for me to bear responsibility for them. I implore you to promptly rectify this error.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Bull City Financial Solutions for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Summary of Complaint Failure to Validate Debt : On XX/XX/XXXX, I sent a certified letter ( attached ) to Bull City Financial Solutions requesting immediate validation of an alleged debt ( Reference # XXXX ) and demanding cessation of any credit reporting activities until the debt was validated. To date, Bull City Financial Solutions has failed to adequately respond to my request as required by law. 
Improper Credit Reporting : Despite my dispute and lack of validation, Bull City Financial Solutions reported this alleged debt as a negative mark on my credit reports to XXXX, XXXX, and XXXX. This reporting occurred in violation of the FDCPA, which prohibits collection activities ( including credit reporting ) while a debt is disputed and validation has not been provided. 
Supporting Details Certified Correspondence Sent : Original Letter : Sent XX/XX/XXXX, requesting validation of the debt and cessation of credit reporting activities. Tracking number : Follow-Up Letter : Sent XX/XX/XXXX, addressing their improper response and credit reporting. Tracking number : XXXX. 

Bull City Financial Solutions Response : The companys response failed to address the validation request and provided no proof of their right to collect or the accuracy of the alleged debt. Instead, they escalated the matter by improperly reporting the debt to the credit bureaus. 

Attachments : My original letter dated XX/XX/XXXX. 
Their response letter showing their failure to address my dispute. 
Documentation of the negative reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2023 with transunion because they are reporting an eviction record that was not only dismissed but VACATED! They sent an updated report on XX/XX/2023 but all they did was change the filing type when this record should removed and not appear at all.The update they provided does not accurately portray the courts decision and the documents provided. They are also showing a judgment amount when I dont owe any money! The case was dismissed and vacated most importantly which means the record needs to be removed. I am very upset because this record is preventing me from obtaining a new apartment and I will be suing if this is not resolved satisfactorily.
Product: Credit reporting or other personal consumer reports

These difficult queries don't belong to me they should be deleted please help me thank you very much. 
XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX Bank. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Product: Debt collection

An agency assuming the name of PayPal is calling and emailing to collect a debt I never made. The calls are multiple times daily from XXXX
Product: Credit reporting or other personal consumer reports

Supposed to help rase credit score by XXXX  XXXX  that I need nothing about took my money
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$130.00} XXXX XXXXXXXX Balance Owed : {$3600.00} - previously late/open XXXX XXXX XXXX Balance : {$790.00} - tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date XXXX : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed XXXX {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are 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 XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00}
Product: Debt collection

After checking my CONSUMER report I noticed a few updates with companies posting there. 06 XXXX being one of the companies. 06 XXXX is alleging that i have an alleged debt totaling {$250.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFPB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you
Product: Credit card

I am writing to file a formal complaint against Lowe 's Home Improvement in XXXX, Pennsylvania, concerning their failure to issue a refund for a gas dryer that was never installed or left at my residence. On XX/XX/year>, I placed an order for a gas dryer ( XXXX XXXX. XXXX ). The dryer was delivered shortly after ; however, due to technical issues, it could not be installed. 

The store immediately agreed to cancel the order and promptly took the dryer back. Despite this, Lowe 's has refused to remove the charge from my Lowe 's credit card account. I have made multiple attempts to resolve this issue directly with the store, but my efforts have been unsuccessful, and the charge remains on my account. 

I find it unacceptable to be charged for an item that was never left in my possession and was returned to the store immediately. This situation has caused me unnecessary stress and inconvenience, and it represents a clear violation of my consumer rights. 

I am requesting your agency 's assistance in resolving this matter. I urge you to compel Lowe 's to remove the charge from my credit card and ensure that they comply with appropriate consumer protection regulations. Enclosed are copies of all relevant documentation, including the order confirmation and my communications with the store regarding this issue. 

Please let me know if you need any further information from my end. I look forward to your prompt attention to this matter and appreciate your help in bringing it to a resolution. 

Thank you for your assistance.
Product: Vehicle loan or lease

My vehicle was repossessed by XXXXXXXX XXXX XXXX and i was sent a letter saying the car was sold for {$1500.00} with a $ XXXX {$11000.00} deficiency balance.. As of today the car is relisted on their website for saleXXXX XXXX XXXX XXXX XXXX Above is the link to the car i had that was repossessed. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Above is my registration info for the car. Is it legal for them to try and receive a deficiency balance when they legally didn't sell it for {$1500.00}.