23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I purchased XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX cases for the phones, a XXXX wireless charger XXXX with travel adapter and XXXX XXXX XXXX insurance policies from XXXX totaling {$3400.00}. In the deal they offered a trade-in value of {$800.00} per phone ( {$1600.00} ) that I traded in, but they only gave me {$800.00} for two phones. I tried to get them to refund me {$800.00} but they refused, so I returned the package un-opened with everything in it. ( Never opened when it was delivered by XXXX ) I used XXXX financing ( TD Bank ) {$2200.00} and the balance of {$1200.00} was put on XXXXl credit card ( XXXX XXXX ). XXXX stated that I never returned the two phones, XXXX XXXX XXXX or the XXXX wireless charger. They said only thing in the package was the two phone cases. I filed disputes with XXXX Financing ( TD Bank ) as well as XXXX credit card XXXX Bank. I also tried to file a theft/loss claim with XXXX but because they state I wasn't the shipper ( XXXX paid for return label ) I couldn't file a claim. When XXXX picked up the package from my house it weighed XXXX, but when it was scanned/weighed by XXXX it only weighed XXXX. Those electronics had to have been taken/stolen by someone at XXXX during transit . I tried to get XXXX to file a loss/theft claim with XXXX but they refused to file claim, basically calling me a liar and a thief for not returning the devices. XXXX has to have a way of finding these devices by serial numbers or something to see who has them. I have the tracking # 's and weights when delivered to me and returned to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to CAPITAL ONE AUTO about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Product: Bank account or service

i put a check into my account on XXXX XXXX,2016 i made a few purchases all the amount is accounted for yet Suntrust Bank still charged me XXXX over draft fees every time i put money in there they hold the money extra long then charge me a fee even if when i had not over drawn this is a copy of my statement pay close attention to the dates and how they take the money XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX NY - {$14.00} XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX CA - {$16.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$110.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$50.00} XXXX POINT OF SALE DEBIT XXXX - {$7.00} XXXX POINT OF SALE DEBIT XXXX XXXX - {$9.00} XXXX POINT OF SALE DEBIT XXXX - {$20.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$16.00} XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$9.00} XXXX XXXX XXXX - {$36.00} XXXX DEPOSIT {$400.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$130.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$200.00} XXXX CHECK CARD PURCHASE XXXX XXXX CA - {$160.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX MD - {$14.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX # XXXX XXXX MD - {$58.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$7.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$17.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX - {$10.00} XXXX ATM DEPOSIT {$230.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$15.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$10.00} XXXX ATM CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX MD - {$80.00}
Product: Mortgage

I have an issue with my mortgage lender Stearns. I bought my house a few years ago with a30 year fixed GSE XXXX XXXX mortgage through Stearns. It had taken me years of scraping by, but I was able to come up with the 15 % down payment. I have gone through multiple hardships that caused me to fall delinquent but have always tried to engage with Stearns and have even made a reinstatement payment to them at one point in time which they did not apply to my loan balance. I feel that they no longer are interested in working with me and are denying me access to government and internal programs that I should be reviewed for. I am back on my feet and working full time after a yearlong battle with XXXX and expect Stearns to work with me and review me for homeowner assistance options. Instead they have set a foreclosure sale date of XX/XX/XXXX! 

At the time I purchase my home I had a good paying job and was easily able to afford my mortgage payment. Not long after that my son was XXXX and there were XXXX XXXX and he needed the XXXX XXXX XXXX XXXX XXXX XXXX. This kept us in and out of the hospital for 9 months and I had to take a lot of time off of work to try and manage and care for him. As a result, I missed a couple of mortgage payments. I entered into an accelerated payment program in order to try and get back into good standing with Stearns. The problem is that these payments were not applied to my balance and I did not know where the extra money went. A few months later I made a good faith payment of {$9000.00} which should have brought me current. However, Stearns failed to apply the money to my loan and I was still reporting as behind on the loan and this money sat in suspense for a long time. 

In 2016 I was diagnosed with XXXX XXXX and had to begin treatment and also had multiple XXXX. I was unable to work and once again defaulted on my mortgage. While going through treatment I was shocked to find that my lump sum payment had STILL not been applied and that I was reporting over one year late. I am happy to say that I am now XXXX XXXX, and that I resumed working at my job this past week. I make a good living and I am able to afford a fair mortgage payment. The problem is that Stearns seems more interested in foreclosing on my home than giving me a chance to fix this matter. 

I really feel that I have been deceived and misled by Stearns. I paid the accelerated payments and then made the lump sum reinstatement payment but they still showed me as late. I continued making my monthly payments until I had to battle with XXXX and was physically unable to work. I was still trying to negotiate with your Stearns during that time but made no headway. My case was transferred from department to department and I never had a definitive account manager. Now that I am back on my feet I need Stearns to work with me.
Product: Credit reporting or other personal consumer reports

Experian is reporting an alleged XXXX account # XXXX as both a charge-off and a collection with XXXX, XXXX, account XXXX. One account can not be a charge off and a collection at the same time. This is clearly a violation of FCRA. Experian also reports the collection account from XXXX XXXX as paid off with a BALANCE of {$840.00}, another violation of FCRA. This is just another example of how Experian fails to investigate disputes fairly and properly! All inaccurate, incomplete and unverifiable information should be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Coinbase is misleading in the withdraw process. Easily accepts funds, yet has insane need for username and passwords to access my accounts. I have {$590.00} in my US wallet. The 2 options to withdraw have completely unreasonable personal info requirements. 
I would like some help in resolving this issue. Username and password into my account accesses several accounts. Never going to do that. 
A more reasonable bank account number and routing number is more acceptable. Some way to target one account. 
Thank you for the help. I look forward to your response.
Product: Debt collection

Reached out to DISCOVER BANK regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account without a balance due. Please provide proof and update the inaccurate reporting or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.DISCOVER BANK XXXX
Product: Debt collection

I told my debt collector that I got in XXXX different car accidents and that I had to pay for my deductible and car rental out of pocket along with being very ill. I told them that I could n't pay them at this time and that as soon as I get enough money that I would make a larger payment towards my debt. I was not working and that I only received SS for a XXXX and I get oaid once a month. I did have a part rime job but that ended several weeks ago. I asked them in a nice manner to stop calling me they said that they have to collect the debt and I told them I understood but they were making me sick harassing me and please stop to slow down the calls so that I can get better. They have nor stopped their calls at all they call every day, every XXXX minutes from XXXX to XXXX at night. I ca n't take this harassment anymore due to my XXXX XXXX. I 've told them that any time I had a problem paying that I would let them know and when able I normally double up on my payments to get back on track. I even created a post dated payment on their website for this month and they are still calling and now texting all the time. I 've literally gotten XXXX calls a day from the same company and they do n't even bother to leave a message they just call back every XXXX minutes. I never knew that this was exceptable behavior for a debt creditor and that although I owe the debt I have been with them for several years and have always paid. I 'm considering blocking or changing my number because I ca n't rest or do any daily activities in peace. I 'm in school too and they call all day and ca n't even concentrate, listen to instructor, or take a test in class in peace due to the constant calls. If you need documentation to prove my claims of harassment please ask me so that I can get my cell phone record from my phone XXXX.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am the holder of a Chase XXXX XXXX XXXX XXXX  Account. The account was opened using the tax ID of my business and a credit check using my social security number. The account was opened in XXXX and had a limit of {$5000.00}. 

I used the card a lot - but paid consistently over the past almost 4 years, paying hundreds of dollars off. 

In XX/XX/XXXX I was out of the country on business. Chase tried to contact me when the account was over 30 days past due. When I got back, I called them to set up a payment arrangement to get back on track with payments. 

The first payment did not go through. Chase claims the funds were not available - but they were. Payment was for {$150.00} - I had over {$7000.00} in my other linked account. Usually chase will post the payment then I transfer the funds over. In fact - they ALWAYS do this. This time, they did not. 

Instead when I called them they claimed the payment was presented 3 times. I was not made aware of this by chase. If so I would have immediately transferred the funds over to cover the payment. 

The second payment of the arrangement went through, but by then it was too late. Chase closed the account ( I STILL have not received a formal letter or email informing me of this ) instead I found out when my credit score went down over 100 points because they reported this business account to my personal credit report. 

I believe Chase is TOTALLY in the wrong about this. Their failure to communicate is unfair and unjust. My credit report - which has high balances held for a period of time but accounts are paid on time always ... went from close to a XXXX to a XXXX in one day. Also, because the account is now closed if I did want to pay off the entire balance and use it for my business again, I can not.

I have been banking with Chase for over 20 years. I am shocked at this treatment by them to a loyal customer who has banked thousands with them over the years. 

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

I have attached an FTC report with accounts and inquiries I did not authorize, these are affecting me from buying a home and need to be deleted also please update my personal information
Product: Credit card

On XX/XX/XXXX, I received a letter from XXXX and XXXX notifying me of an alert, which was a change of address on my credit report. The address that they had was XXXX XXXX XXXX, XXXX XXXX, FL XXXX. This is not my address and has never been my address. I called XXXX, and they told me I needed to talk to my Citi/AT & T card , who reported that change. I am part of XXXX and XXXX credit monitoring because I was notified of a data breach by AT & T where they offered me credit monitoring for free- this letter was dated XX/XX/XXXX. I called Citi/AT & T and inquired about the address change. I was told to wait for a letter or call from them to verify who I was. I asked if there was someone who had my information and changed my address because it was wrong. I don't live in Florida and never have. More than a week went by with no letter or call from Citi, so I called them. They told me to wait for the call and or letter from them to verify who I was and my information. I received a call from Citi/AT & T approximately two weeks later, and I was asked for basic information about my account. They also asked me if I knew that there was a data breach. They let me know that they would investigate the charges on my account. I asked my daughter to call Citi/AT & T with me a few weeks later, and we asked to verify all of the information on file. The address, email, telephone number, and work information were all incorrect. We updated that information and made sure that the card was closed and a new card was ordered to my correct address. The new card did not arrive for nearly a month. In that time, I noticed several charges on my statement and called to dispute them all. The woman I spoke to assured me that I was not responsible for the charges and would not be liable. I continued monitoring the statement and wrote a letter to the fraud department to follow up on the status. I received a letter from Citi/AT & T dated XX/XX/XXXX stating that the dispute was closed and that I was responsible for all charges. I called today, XX/XX/XXXX, and reopened the dispute. I was finally able to touch base with someone in the fraud department. Today, I asked for documentation about who changed my address, if a card was sent to that address they sent on file, and documentation that proves that I made these charges in person, as they are claiming. The representative said that everything would be sent to me and that someone would contact me. He also said that I do not need to make a payment. I don't believe that is true because my credit score is already being affected and has gone down. The balance has not been covered or credited, and I haven't made a payment. This is going to reflect horribly on my account and credit report. I have been a customer for decades, and it is my only credit card account. I never expected to be treated this way.
Product: Checking or savings account

Dear XXXX, We noticed your recent deposits at Flagstar Bank included business as well as personal checks. We regret that we are not able to accept business checks for deposit in a non-business account. The Flagstar Bank Operations team has recommend closing the XXXX XXXX XXXX Checking accounts used for business purpose/rent deposits. Opening XXXX XXXX accounts to replace the XXXX XXXX accounts is not recommended. 



Flagstar Bank does offer business banking services to manage rent payments, and I would be happy to discuss the options available. Please review the attached ACH Service flyer and let me know your availability to discuss adding this service to your current business accounts. 



Sincerely, XXXX XXXX XXXX XXXX : she, her, hers Branch Manager, Flagstar Bank Certified Lender NMLS # XXXX Registered Representative XXXX XXXX XXXX XXXX at Flagstar Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After 15 years they are doing this. It is a hardship to me and all XXXX XXXX  Not only financially but time wise At XXXX XXXX XXXX I should not have to do this
Product: Money transfer, virtual currency, or money service

Hi, I made many attempts to recover funds from my account that was not recoverable by making disputes that and had no help. Never got my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems , LLC XXXX XXXX XXXX. XXXX. XXXX MN XXXX On XX/XX/2022, Jefferson Capital Systems LLC. sent me a letter for the amount of XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
Product: Credit card

I never lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. US Bank reported to XXXX that I lived there and refused to fix the error. This wrong information is in my credit report I want that removed.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX2024, I had to get a new vehicle. I authorized the dealership to run my credit with ONLY XXXX XXXX XXXX. I met with the sales manager who assured me that I would not see more than one inquiry on my credit report and that they would not send it to more than one bank for financing approval. Low and behold, a month later there are several inquiries that I never authorized and are now damaging my credit worthiness and are inaccurate because they were never authorized by me. I contacted the dealership directly as well as the 3 credit bureaus. I also contacted each of the financial institutions via mail and phone. Nothing has been done to resolve or remove the inquiries from my reports since XXXX. The following inquiries are unauthorized and need to be deleted immediately : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XX/XX/XXXXXXXX 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

debt was charged off in 2008 in South Carolina called today was told by XXXX XXXX that the he was collecting a very old debt from Bank of America and was threating legal action we asked about the statute of limitations being way past, he said in not so many words they had a loophole and we best comply
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue regarding my account, which I recently discovered has been sold or transferred to a collections agency without proper cause or legal authorization. 

This action is both unwarranted and potentially violates applicable laws, including the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. To the best of my knowledge, I have not received proper notice of this transfer, and I dispute the validity of any alleged debt associated with this account. My personal information has been involved in several data breaches and I am a victim of identity theft as well I request the following : 1. Immediate Confirmation : Credit card Accounts that are closed, charged off and or outdated should be removed from my credit report immediately. I have ask the companies for debt validation claim according to 15 US 1692. 


number XXXX  I asked For all companies to send me a full detailed list of the payment history on this account number XXXX. I asked to see the original signature that I agreed to on the contract for this creditor, number XXXX. Has there been any insurance claims found on this debt? 

and I see the chain of title that you have to collect on? 

To no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

The Mortgage servicing company is Dovenmuehle XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.
Product: Student loan

I called to payoff the student loan on XX/XX/XXXX. The amount owed was XXXX. I gave them the bank routing number and my account number from my HELOC. They inputted the information and then came back saying they don't accept this account. they only accept checking and savings accounts. I now have to send them a check from this account, which they will cash and accept.The check will take several days to get there. The delay in time raises the amount owed to XXXX. That is an extra XXXX in interest I will have to pay if the check arrives and credited by XX/XX/XXXX. This may go up if it takes longer and will decrease if they get it earlier.