23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I bought a XXXX XXXX vintage cast iron from a XXXX woman in XX/XX/2023. We both were the group members of XXXX XXXX XXXX XXXX. She approached me from a posting that she made and I commented it was a beautiful pot. She was nice and responsive at the beginning before the deal was made. The pot arrived broken and it was packed badly and also without any alarming sticker such as Fragile. I spoke to her that night and she agreed will compensate me by sending me a pot if she found a similar one and requested me to wait. I waited for few months. I began running out of patient and fear for the uncertainty in life. I spoke to her in XXXX, she became impatient and saying me do not threaten her. I did not do anything, I was purely just checking with her how she wanted to resolve the issue. I wanted the pot or the money back so I was nice to give her another 2 months. On XX/XX/XXXX, I checked with her again. She denied everything and saying that she would give me a good price if she found the pot in the future. 

I posted the incident on the XXXX XXXX XXXX groups. Some commented that they had the same thing happened to them from this same woman. Few days later, I realized I was removed from the XXXX XXXX XXXX group without notice. The admin did not even investigate or talk to me. 

It is very hurt and painful. Months and months thinking of the pot and fearing of not getting anything back. I feel like I am being bully on top of loosing money. I reached out to Wise Inc and then my own bank, XXXX. Wise said they cant do anything. I replied the email asking for Chargeback but did not hear back from them. Then I called XXXX. XXXX explained that the nature of the transaction not allow them to do anything and advice me to report to a local police if I really wanted my money back. 

Wise does not allow adding any credit cards when setting up the account. I was all lead by the Wise. XXXX did chargeback for the customers. 

I want justice and I want my money back. 

XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my credit limit is {$600.00} I disputed it with them because my credit limit is {$1000.00} they still have not fixed it. My balance is {$620.00} so it looks like Im over my credit limit which Im not.i am uploading a letter I requested from XXXX as proof of what my credit limit is.
Product: Vehicle loan or lease

I have been talking to this company on the phone regarding late payments, I have been corresponding with them every 2 weeks. I have even asked them if it was possible to lower my monthly payments which was promised to me from the actual dealership that i could get cheaper monthly payments after paying the car for 6 months ( which was supposed be a lease ), when we returned to the dealer to refinance they checked my credit 5 times and denied the option. They have threatened to repossess my car two times, and asked for a repo fee both times in order not to repossess my car, which amounted to about {$400.00}. I called the finance company trying to work with them and even spoke to a women ( who wouldn't give me her name ) who made a payment plan with me, she told me to make a payment of {$200.00} on XX/XX/2019, then after that we agreed I would make another payment of {$180.00} on XX/XX/2019, that was to be an automatic payment but i woke up to check my email and turns out they ended up taking out {$400.00}. When i called this morning XX/XX/2019 to ask why this was done the woman that i spoke to said that there was never a payment plan in place and that the agreement we made on XX/XX/2019, was never true. We try our best to make the payments we agreed to and after we make a payment they harass us by calling and demanding more money, They promise to help if we make the next payment and when we do they said they can't help. Also, my credit is being check frequently, without my knowledge, further lowering my score. My car cost XXXX, the interest is 23 %, after 2 years of payments ( over {$9000.00} ) we still owe {$13000.00}.
Product: Money transfer, virtual currency, or money service

Hi Im XXXX XXXX, Im writing this because a few days ago, I was on XXXX and the scammer was selling a XXXX XXXX logo Sweatshirt for XXXX US dollars. I was really excited about getting this sweatshirt which was like the holy grail of all XXXX for a great price. When I bought it and checked out He sent a refund and said I dont like XXXX, lets use the XXXX app instead so I went over to the XXXX  app and tried sending the XXXX dollars to him and I kept getting declined so I told him I couldnt use the XXXX app because theres problems with my card. I called my bank Wells Fargo and asked them if they could unblock my card which is what they did. After that, He recommended XXXX which was a way to send money through the Wells Fargo app. He said he would send out the hoodie when I paid. I paid him the XXXX dollars and then he gave a shipping number and said yep Ill ship your package immediately. So I was happy and all then a few hours later I contacted him asking what the tracking number because I wanted to make sure it was the right one because it wasnt moving anywhere. He read my text and didnt reply anything. Ive been trying to contact him for 3 days now and Ive gotten no response. When I check my shipment through the usps app it says label created, not yet in system. Its been like that for 3 days also. I am strongly confident that he scammed me for the money and just left. If you could help me out that would be appreciated. 
Please and Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal has never allowed any transactions to process unless i had the available balance in one of my link bank accounts. I attempted to make a purchase with on a thirdparty website that accepted paypal for payment. The third party accepted my payment method of paypal. While processing payment i ended up short on funds so there was not an available balance dor processing. This happened with 12 hours of placing my order. Since paypal had never prior processed a payment with having an available balance to do so. I believed that my order would be canceled which had happened everytime before. I received a package 2 weeks later from the third party company and had no idea how. My bank accounts were not negative {$170.00}. I checked my paypal wondering how i got this package and i discovered they suddenly decided to grant me pay later when i was previously never allowed. All done without my knowledge ans authorization
Product: Debt collection

I do not recognize the debt from I C SYSTEM INC, i never had a contract with them or any communication. I tried to dispute through XXXX but they never conducted proper investigation.
Product: Checking or savings account

My TD bank check was somehow stolen, forged, multiplied and my account was emptied in beginning of XX/XX/2021. 
The bank Fraud department not answering my multiple requests about the status of investigation and not reimbursing me for stolen money. 
There was a clear negligence in cashing the forged checks, that sometimes had the same exactly numbers, or different name that my company. 
XXXX XXXX, the owner
Product: Credit reporting or other personal consumer reports

XXXX balance should have been paid off. The company is XXXX XXXX. They didnt report to XXXX XXXX XXXX Equifax , and XXXX that car was was paid in full and dispute should be off report.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX REPORTED BALANCE {$270.00} : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX BLANCE {$150.00} : XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent out a certified letter to a collection company to validate a debt that they claim is mine. I specifically ask for a copy of my contract with my signature on it that Prove this is  my debt. On XX/XX/XXXX I received a letter from the company telling me that they can not verify that the debt is mines but did not mention to delete it from my credit report. They are in violation of the Fair Credit Reporting Act. They did not respond with validation and proof that this is my debt. I feel like Ive been denied my rights of debt validation.
Product: Consumer Loan

I took a loan out with this company in XXXX of 2016. When I took out the loan I understood what the initial payment would be and was told that I would pay lower increments each month. However, I did not understand that the interest would decrease at the slow rate in which it is currently decreasing. Because last month was XXXX and personal and property taxes were due. I was unable to pay the minimum amount of XXXX. ( I have been paying an excess of XXXX a month on this XXXX loan since XXXX with the first payment being 0ver XXXX ) I therefore, contacted the company and agreed to pay {$350.00} of the balance. I was told that the addtional would be added to the balance of XXXX 's payment. Now, this month they are showing a minimum of XXXX. XXXX due and with the additional amount left from last month. I am having to pay {$660.00} this month. I called the company to see if a lower payment could be negotiated and was told that an arrangement could not be made on an arrangement. I am totally frustrated with this loan company. I borrowed {$3000.00} from this company in XXXX with 160 % interest rate, I am scheduled to make monthly payments for a year. I read an article about another payday loan company overcharging in interest rate for consumers of Virginia and realized at this point that I, too, am being overcharged in interest rates. The comapny I am referencing is Opportunity Ficnacial, LLC. I am seeking assistance in getting lower monthly payments and adjustment to my interest rate.
Product: Debt collection

I have disputed this and the information that's on my credit report is not correct. The dates and activity are all different. the information is not correct across the bureaus.
Product: Credit card or prepaid card

I called Synchrony Bank at ( XXXX ) XXXX on Wednesday, XXXX XXXX, XXXX at approximately XXXX XXXX to discuss an abrupt hike in my monthly payment amounts on two jewelry purchase accounts which I have with Synchrony Bank, associated with jewelry purchases made at XXXX XXXX XXXX 
The Synchrony Bank associated with whom I spoke, named XXXX, stated that on my more recently opened of my two XXXX accounts, a late fee of {$27.00} had been assessed, allegedly pursuant to said account being set up by XXXX XXXX, XXXX. I corrected XXXX for assessing XXXX XXXX arbitrarily as the set-up date for the account, since I actually set up the account with XXXX XXXX XXXX on Saturday, XXXX/XXXX/XXXX as sales receipts clearly indicate. It would be perfectly unreasonable for a payment, first estimated to be {$93.00} and mysteriously escalating to {$100.00}, to come due on the XXXX of the following month, as I explained to XXXX, who became very evasive with me, to the point of continually wanting to get off the phone rather than to confront the issues that I was raising, blaming XXXX XXXX XXXX ' record-keeping although the documentary trail on the merchant 's side is clear. 
When in response to XXXX 's evasiveness I advised her that I would refer the matter to someone who could help me resolve this problem, XXXX expressed concern not over any issues raised, but rather over the possibility that I might involve regulatory authorities. 
I have ongoing issues with XXXX 's business practices, especially the dearth of firm paperwork, mirroring that of companion merchant XXXX XXXX XXXX, clearly specifying as opposed to verbally estimating fees, and subsequently accumulating and assessing late fees with no warning in terms of dunning letters or other clear advisories as to payment terms prior to assessment of late fees. Statements are rare, and usually serve only as notice of late fees already incurred.
Product: Consumer Loan

Chase auto finance has repeatedly refused to report accurate information to the credit bureaus in regards to an auto loan that I have with them. Now they have decided to not report the loan at all and deleted the entire account from my credit report. This was done after I asked for them to report the correct balance owed to the credit reporting agencies. The loan was only being reported to XXXX of the XXXX bureaus and the balance they reported each month was the same XXXX, instead of the actual balance. Every call made to the executive office was ignored, until I finally escalated the issue to someone who made the decision to just delete it entirley instead of just reporting it as it should be. The entire duration of the loan I have encountered numerous reporting issues all that had to be escalated to be resolved, and dozens of phone calls made with promises of issues to be resolved and never addressed correctly. This loan was not included in a bankruptcy and they continue to treat it as such and are not following the laws and I have damages as a result of their actions impacting my credit history. My excellent payment history over the last 5 years has been deleted arbitrarily and this needs to be addressed as they are defrauding me as a consumer at my expense.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  Balance : {$33000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Good evening, To who it may concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, I have the right to dispute any information that I believe is incorrect or incomplete. 

The charge-off in question is listed on my credit report as follows : Creditor Name : UNITED CREDIT & COLLECTIONS Date of Charge-Off : XX/XX/year>2024 I have thoroughly reviewed my records, and I believe that this charge-off is incorrect for the following reasons : A dollar amount was placed on my credit report for a bill that I no longer owe. I have disputed this bill a couple of times in the past however, it is now back on my credit report. The company regarding this complete is aware that I have made all my payments. 

In accordance with FCRA Section 1681i, I request that you investigate this matter and remove the inaccurate information from my credit report. I have included copies of any supporting documents that substantiate my claim. 

Please conduct your investigation and provide me with the results within 30 days, as required by law. Additionally, I would appreciate a written confirmation of the outcome of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card

I have reason to believe someone got my mail and without my authorization used my XXXX credit card, where I live the mail is dropped through XXXX mail slot beside the door for every room in the house that is being rented at XXXX XXXX XXXX, XXXX, PA XXXX. Then the landlord picks the mail up off the floor that came through the mail slot and put individual single piles on the lobby table for renter 's to pick-up daily mail. 
I applied for a XXXX credit card online and never got a confirmation that I was approved or denied XXXX credit card, so I re-applied again with XXXX Customer Service representative and I was approved over the phone right then for XXXX and I received my XXXX credit card ending in XXXX. I told the customer service representative before she helped me apply for the XXXX credit card that I applied online 4 weeks earlier and I never got a response from XXXX if I was approved or denied, the customer service representative said she did n't see in the system were my online application for the XXXX credit card so we processed my application and I was approved. 

Then sometime in XXXX 2016 I received a XXXX Billing Statement showing I owe XXXX credit card XXXX that 's when I called XXXX put in my account Number ending XXXX and it stated that I had a " XXXX '' balance owed and that they got my payment of {$39.00} and change, That 's when I noticed the account number on the XXXX Billing Statement from XXXX did n't match my credit card ending in XXXX the XXXX Billing Statement account number ended in XXXX. So I contacted XXXX customer service who transferred me to XXXX Credit Fraud Department. 
So when I applied the first time online that credit card application for a XXXX credit card had to have been approved. How I found out there was a second XXXX credit card was when I received the XXXX Billing Statement with the account number ending XXXX. 
The XXXX credit card number XXXX I never received this card/made any charges or payments on this account ending in XXXX. 
So I started contacting XXXX Fraud Department at XXXX and XXXX several times a month to help me resolve the fraud on the XXXX account ending XXXX. 

XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, Bank of America ( the Servicer ) declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

On XX/XX/XXXX, the Servicer declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

As evidenced attached A1 and A2, each Servicer decline letters are vague?! 

The Servicers ' decline letters DO NOT ascribe, the Servicer do not evidence, what the Servicers ' REPAYMENT PLAN program guideline delinquency requirements are?, the Servicer DO NOT ascribe, evidence what the Servicers ' basic eligibility rules are?, the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' Repayment Plan. 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's 40-YEAR AMORTIZATION MODIFICATION PROGRAM requirements are?, and the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' 40-year amortization modification program?! 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's END OF DRAW MODIFICATION PROGRAM basic rules?, and the Servicer DO NOT ascribe, evidence how the aforesaid RULES disqualify the imminent hardship homeowners for the Servicers ' End of Draw Period modification program?!
Product: Credit card or prepaid card

On Friday XX/XX/2018 I noticed I had lost my Barclays Credit credit card, when I logged in to check for any activity there was fraudulent charge in the amount of {$3500.00}. I proceeded to call Barclays to notify them of what had happened so they cancelled that credit card, issued me a new one and opened a fraud investigation for the amount of {$3500.00}. 

On Wednesday XX/XX/2018, I get a call from Barclays fraud department indicating they have concluded the investigation and all the information they have align to the charge being legit and they verified it was me. As you can understand my outrage, how can they have verified it was me, when it was not. What has this company done to protect my interest as a consumer? They are in turn, falsely accusing me and holding me accountable for fraud activity on my card instead of protecting my interest. 

Now I went online and notice my credit limit of {$10000.00} has been reduced to {$4000.00} when I have been a client of Barclays for many years, never been late, paid off credit card a few times. i also hold many credit with high available credits of more than {$20000.00} such as XXXX, XXXX XXXX XXXX, XXXX,  XXXX, etc yet they have no problems with me nor have reduced my available credit card.
Product: Credit card

Card balance doesn't decrease with the monthly minimum payments. Monthly minimum payments decrease and then increase over months of billing. I do not understand why the payment processing for the card balance doesn't remain consistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to update my social security on my Experian account but was unsuccessful. Two incorrect SSNs were listed, and the correct SSN was not listed.