23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

So basically I have a balance of XXXX and I have a plan of chase active so I have to pay XXXX its what I paid last month but this month they are charging me XXXX and I even have refunds, but they dont care and my XXXX was XXXX just on XX/XX/XXXX will be XXXX but its XX/XX/XXXX and I didnt make any purchases this month
Product: Checking or savings account

Made purchase from merchant XXXX. Item was not as described. I reached out to seller and the sellers communication wasnt coming through. I filed chargeback. Paypal requested I send the item back XX/XX/XXXX. Item was delivered to seller XX/XX/XXXX. Email stated I would get a refund upon receipt. I was then asked again to upload tracking info XX/XX/XXXX. I have not received a refund, no longer have the item, and tomorrow marks 90 day mark. Paypal can not reach a decision or do anything until the bank does.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm not too sure of the dates but I have been in contact with Experian going on months. For a collection that they are reporting I disputed with them over 5 times for a account with XXXX in XXXX North Carolina. And they, keep saying it was deleted over 3-times and I goes look on my report it is still there I never lived at the address they stated the account was originally attatched to. I have spoken to, over 10 different people regarding the same account it is not reporting on any other bureau then some one said it came back as verify I ask them how was it verify did they have proof they stated not at the moment they have no signature are anything and they have told me over and over that it was deleted and it has not because it keeps coming off and on again l
Product: Credit card

I am reaching out regarding a moving service I scheduled with XXXX XXXX on XX/XX/year>. The agreed-upon price for the service was {$620.00}, which included a {$100.00} deposit I paid upfront. However, after my belongings were delivered to my new apartment, the movers refused to unload my items unless I paid an additional {$1300.00}. This brought the total cost to $ XXXX than double the agreed amountdespite the move being completed within the originally agreed timeframe and with no additional items added to the load. After paying the coerced price of {$1400.00}, I received an email from the company that stated the additional charged amount would be refunded to my card ( see attachment ). When I didn't receive the refund from the company, I filed a dispute of the charge with Wells Fargo who issued a provisional credit of the amount is dispute. Now the provisional credit has been reversed. I am due a refund as the company has abused my card by not refunding the over charged amount as they said would happen. This unexpected demand for payment felt coercive, and I have since discovered that other customers in the area have reported similar practices by XXXXXXXX XXXX as documented on XXXX and through complaints filed with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to dispute the overpayment with my bank, Wells Fargo, but the claim was ultimately denied by XXXX. Based on the attached documentation, I overpaid {$770.00}, which includes the original {$100.00} deposit. I am seeking a resolution and a refund for this over-payment. Please find the attached file detailing the calculations for the over-payment. I kindly request that the difference be refunded to my account.
Product: Credit reporting or other personal consumer reports

I applied for deposit insurance and was denied. I received the letter explaining the reasons why. The reasons given do not match whats on my credit report in any way. This error has caused me great harm and i am offically homless as of midnight because of it
Product: Mortgage

I applied for a conventional home loan with Wells Fargo on XX/XX/2020. Wells Fargo reviewed my information and gave me a pre-approval letter. 

I have two jobs but I started on one of the jobs in XX/XX/2020. I specified the start date accurately in the application. I also specified this in one of my email communications with the Wells Fargo home loan consultant. 

In spite of this they decided to go ahead with the loan. Finally when it came to underwriting, they declined to approve the loan saying that they can not take into account secondary income. 

However they have not made any official decision to this day. They do not respond to emails or phone calls. I spoke to a different home loan consultant and was informed that the application is in decline review. It has been in that status for 4 weeks. 

Meanwhile, I the seller has not released the ernest money deposit saying that they can not do so till they see the decline letter from the bank. 

Please ask Wells Fargo to either approve the loan or provide a decline letter ASAP. 
My money is held up.
Product: Checking or savings account

Laurel Road XXXX XXXX XXXX declined my account application, referring XXXX XXXX. 
I don't have any negative information on XXXX. They requested my Driver License, SSN Card, and all other information by their representative first. After that, they also asked me to create online log in. After I created online banking log in, they told me that they were unable to open the account! 
WHY ASK FOR ALL ID INFO AND SET UP ONLINE LOG IN BUT REJECT ME! Questionable Practice! 

Bank Info : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Laurel Road is a brand of KeyBank, N.A. All products are offered by KeyBank, N.A. Member FDIC. XXXX  KeyCorp All Rights Reserved. 

Email us at XXXX XXXX XXXX For members using a TDD/TTY device, please call XXXX
Product: Debt collection

I received a letter on XXXX/XXXX/16 from wells fargo offering a settlement of a charge that was already written off. I 'd like to correct this and I called into the number shown, asked for the names on letter and was only given the chance to speak with a XXXX XXXX. On a recorded line I continued to discuss letter and offer immediate payment in the amount of {$3000.00} ( amount shown on letter. The next day ( today ) i see that the amount taken from my account is {$3800.00}. I immediately called today and was hung up on by an XXXX - called back reached XXXX and transferred to XXXX XXXX. He asked for proof of this letter and prove of the incorrect payment and he would TRYXXXX to have a refund for me and reply to my email. Now another person by the name of XXXX XXXX called me demanding this payment stating who did I speak with and I should only have spoken with him. then transferred back to XXXX who said they do not show my payment. I feel very frustrated and this is causing vast amounts of XXXX, and finding my other payments pending out. I really need assistance and this seems totally illegal and more than a accident.
Product: Student loan

Five years ago I consolidated all my loans with XXXX XXXX. Now it is XXXX. I am current with my payment and have not missed. I am now getting a bill from Great Lakes on my student loan of {$150000.00} and they say I am behind. I NEVER GOT ANY NOTICES. And what happened to my consolidation? 

I am in the process of communicating with them and they are trying to determine what happened on the consolidation process.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX : $
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG TO ME.
Product: Mortgage

Violation of Cares act and XXXX XXXX. Can't get anyone on the phone- yet again. Conflicting letters sent, along with a paper they want me to sign agreeing to the forbearance terms 1. not what was discussed 2. violation of Cares and XXXX XXXX ( who holds my loan ) to report to credit agencies and can not make all the money due plus the 4rth payment at the end of the loan and fees ( which they aren't allowed to charge.3. Sent conflicting letters ( see attached ) 2 different dates, XX/XX/XXXX and XX/XX/XXXX. 4. no one answers the phone and despite being given email contact they say they can't communicate that way- are you kidding me??? I can contact a supervisor but you can't get through to them either. Contacted an attorney and have a meeting Monday to pursue legal action. Funny after I contacted you the last time when I couldn't even get someone to call to set up forbearance they called in 2 hours. This is beyond ridiculous.
Product: Debt collection

They are reporting a past due account for a credit card in the amount of {$690.00} for XXXX  XXXX bank. This is not my account and is a fraud account. This fraud account needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus all have false and or misleading information on my reports which is a direct violation of my rights, this is grounds for removal, my rights were violated under ; 15 U.S.C 1681 section 602A. 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. 

XXXX XXXX XXXX XXXX mi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXXXXXX XXXX XXXX XXXX XXXX mi, XXXX XXXX XXXX XXXX XXXX XXXX Four different variations of my name its only " XXXX XXXX '' this the only name with consent to be on my reports. 
Phone numbers XXXX, XXXX, XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as you can see multiple violations on behalf of my rights.
Product: Mortgage

Complaint against Fifth Third Bank. I have been trying for months to remove my PMI as my loan to value ratio is around 55-60 % and the company has ignored me for months. 

I finally got through to them and they tried saying my property is at 83 % LTV and are making me pay for an appraisal. 

Just to be done with it I accepted and sent the documentation and they have yet to get back to me again. They are blatantly stealing from me when my property is worth between XXXX and my amount owed is XXXX. This is occurring by answering me very late and by not having removed my PMI yet.
Product: Credit reporting or other personal consumer reports

I called my mortgage provider XXXX to enquire about a HELOC loan on my equity He asked to pull my Equifax credit report. I asked if it would affect my credit he said No. 
So I said OK I did not like their terms so hung up. 

I no sooner hung up when my phone was blowing up with unknown callers when I answered they stated they were loan officers for various companies and the got my number from an Equifax report. 
I have had over 200 calls in 1 and 1/2 days. I will have to go to XXXX and have my phone number replaced due to this
Product: Payday loan

I borrowed {$200.00} for XXXX days and I paid off the loan in XXXX days. I was still charged XXXX days of interest! The loan amount for XXXX days was XXXX When I attempted to pay of the loan in XXXX days, I was charged the same amount of interest.
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. 

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  has violated my rights. 


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

I am a victim of identity theft. 
I have never owned a XXXX XXXX  or had an account
Product: Payday loan, title loan, personal loan, or advance loan

When I filled out the application, the contract became null and void due to several factors. Firstly, upon extending my credit, I was provided with misleading information, rendering the contract invalid from its inception. Subsequently, when I attempted to rectify this situation by addressing the issue, the other party refused to cooperate in good faith. I emphasized the importance of equity, highlighting the need for fairness and justice. Furthermore, I outlined the next steps for receiving reimbursement as surety for the unlawful repossession of your car, which occurred without a court order. This sequence of events underscores the lack of integrity in the contractual agreement and necessitates appropriate measures to rectify the injustice. XXXX XXXX make a legally binding contract full disclosure, consideration, lawful terms and conditions, mutual intent, and meetings of the mind. Those who committed the fraud must bear the cost of the discrepancy and make a remedy to the party they have defrauded. This contract is considered ultra XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
2. XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
3. The following personal information is incorrect Account Number : NAME : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

Self Financial *** is in clear violation of the law for contacting a third party or credit reporting agency with my nonpublic personal information without my written authorization in a consumer agreement to report such information to a third party as per 15USC 1681 ( B ). They were sent a notice of their violation by me on ( XXXX ) in which, I included below. I received a copy of my Credit Report and noticed 2 LATE PAYMENTS on a secured card account XXXX furnished to my XXXX and XXXX credit reports on ( XX/XX/XXXX & XX/XX/XXXX ) and 1 Paid & closed update on XX/XX/XXXX. According to 15USC 1666 ( b ) creditors can not report a LATE PAYMENT unless they mailed a notice received by the consumer containing information from 15USC 1637 ( B ), 21 days before the late transaction was reported. Self Financial *** is unable to provide each statement sent out 21 days before each late transaction was furnished, along with the consumer agreement, where I gave them written authorization to take such action. According to 15 USC 1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT states how LATE TRANSACTIONS are illegal and excluded from my consumer report which means any transactional history to any person, LATE OR NOT, is not supposed to be furnished, for it is nonpublic information that doesnt get reported. Their violations of Congress and my consumer rights demand removal of both late accounts they furnished to the third parties or consumer reporting agencies XXXX and XXXX.
Product: Credit card

I ordered an item ( merchant order # XXXX ) on XX/XX/year>, from the merchant, XXXX, for {$690.00}. I used my Chase credit card for this purchase. 

After a few days, the order was marked as delivered but it had not arrived. Because of this, we disputed the associated charge ( Chase transaction reference ID # XXXX ). Chase credited us the transaction amount, as is customary while an ongoing dispute is pending. 

Eventually, after a few more days the order did arrive. Because it arrived, I cancelled the charge dispute with Chase. Chase rebilled the charge to the credit card. 

Upon receiving the item, we eventually decided to return the item to the merchant. This return was accepted by the merchant, and they confirmed they received the item back ( correspondence attached below ). They confirmed multiple times that the refund was processed and funds were released to our method of payment. They confirmed the refund was processed on XXXX XX/XX/year>, at XXXX XXXX However, its been over 2 months now and we have not received the refund in our account with Chase. Chase claims they have not received any refund, and they have used many different reasons as to why we can not dispute this charge, or get refunded, while they investigate the refund process. 

Chase keeps closing my disputes and inquiries for varying and invalid reasons. I have called the Chase customer service many times and spent hours on the phone with them to no avail. 

Thus, we have returned an item and Chase refuses to process the return. We have lost {$690.00} to no fault of our own and no one will help us. 

I have included attachments to show multiple confirmations from the merchant that the funds have been released, as well as our credit card statements for every month since the original purchase, to prove that we have not been refunded.
Product: Debt collection

I subscribed to XXXX through a XXXX offer. I never had any direct dealings with XXXX. I paid for XXXX on my XXXX bill. When I moved, I returned all equipment per their instructions. XXXX first began to harass and bill me for the equipment. I supplied the XXXX tracking numbers which showed that the equipment had been returned and they stopped trying to bill for that. The final amount due to XXXX on the XXXX bill was {$120.00}. I paid that bill in full. In fact, I overpaid and was refunded {$42.00}. XXXX began to harass me for the {$120.00}. I have checked with XXXX  numerous times and was informed that XXXX had been paid, that I correctly paid the final bill, and that I didn't owe anything to XXXX nor should I pay them directly. I also spoke with XXXX and thought it was finally resolved. Then I started receiving collection notices which I initially responded to but they just argued that I was supposed to pay XXXX not XXXX. I had never done that. They filed a collection notice and that impacted my excellent credit report rating. I disputed that claim. It was resolved and removed. Not too long ago, out of the blue, I received a collection notice once again offerring to reduce the {$120.00} to about {$76.00} - I don't remember the exact amount as I threw it away. Today, I received a notice of a collection notice filed on my credit report. It's from AFNI, Inc for the same {$120.00} bill that I have previously been harassed on and that I cleared from my report once already. The last payment in full to XXXX was made on XX/XX/19 which included the {$120.00} for XXXX. This new report has dropped my credit score by 63 points ( and my score was " very good '' with only a few points to go to hit " excellent '' in the 780 's. This has to stop.