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

XX/XX/XXXX : I made an order on XXXX for XXXX bundles of 30 inch kinky curly human hair costing XXXX XX/XX/XXXX : My order arrived, I went to use them then realized it was not of quality that I had in the past. To be specific : the hair kept tangling straight out of the package, and it wasn't true to the 30 inch length, it was well below 26 inches XX/XX/XXXX : I submitted a return request to XXXX and it was accepted. I was instructed to return to a XXXX XXXX XX/XX/XXXX : I dropped off my return to the XXXX XXXX, it was scanned and sent off. 
By XX/XX/XXXX : I checked my return center on XXXX and noticed that my refund was marked as received at the warehouse, but my refund was not initiated. 
XX/XX/XXXX : By this time I still hadnt received my refund and disputed the charge with my bank. 
XX/XX/XXXX : My bank issued a letter stating that XXXX already refunded my order, which is not true as there are only 3 transactions from XXXX under this transaction which are as follows : - 1 Transaction on XX/XX/XXXX : XXXX was deducted from my account for the order made - 1 Transaction on XX/XX/XXXX : XXXX was put back into my account as a temporary credit for my dispute - 1 Transaction on XX/XX/XXXX was deducted from my account as my dispute was denied. These transactions will be shown in the files uploaded. 

I have had many conversations with XXXX customer service about where my refund is, with it ending in the customer service representative disconnecting our chat and not solving my problem. 

Following this, I attempted to re-open my claim by submitting further evidence that my refund was sent to the warehouse, but not received. The evidence was submitted on XX/XX/XXXX. 

I have yet to receive a letter on the evidence I submitted, but XXXX is now stating that they did not receive my refund. 

To be concise, XXXX claimed : XX/XX/XXXX : XXXX claimed that I received my refund. My bank did not review XXXX claim as there are no transactions proving that I received my refund. 

As of today, XX/XX/XXXX : XXXX is claiming that they never received my package. They have went and changed my return claim after I showed my bank proof that I did not receive a refund. They falsified documents, stating that I never returned the package. 

XXXX are making false claims about the product I returned and is refusing my refund. My bank has been of no help, as with about 3 disputes I've filed, they have accepted the fraudulent evidence from companies and denying my rights to my refund.
Product: Debt collection

Citizens bank bought my loan from XXXX. 
I have made all my payments timely since XXXX. I am currently XXXX and my husband had a reduction in his salary for a temporary period, so i contacted the company to discuss potential hardship on a temporary basis or deferment or reduction in payments. I was told because its a XXXX unsecured loan They have no options to help me and they threatened to report me to the credit bureau. They said only way i could have any hardship options or even a brief extension is if i went 30 Days past due which would Report in them reporting me to credit bureau but only at that time would they attempt to help me. I have made every payment On time for over three years and they are predators they bought my loan from another bank and will not even give me a simple 1-2 month hardship Or even attempt to help me. I spoke with supervisors XXXX XXXX in repossession and XXXX XXXX in collections and both have confirmed there are no hardship Options for me or deferment or even slight extensions. I don't understand how they could buy me loan and be fdic backed and not even allow me to apply or consider me for this temporary hardship And threaten to report me to the credit bureau especially when i just made a payment 5 days ago but am XXXX payment for this month behind. It was so Horrible what they said to me and how they treated me for XXXX hours on the phone offering me no reprieve because i wasnt a citizens customer when i never wanted to do business with them i wanted to do busines with XXXX. They should not be allowed to buy someones loan and then deny them the right to a loan when they are struggling so badly. This is not right.
Product: Checking or savings account

Incident happened today XX/XX/XXXX. A deposit of {$6000.00} was made to my account on XX/XX/XXXX from a cashiers check. Called customer service and was told the funds are on hold but go to the bank directly and they can potentially help with getting funds release. Went to South State Bank located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Spoke to one of the tellers who couldnt answer questions and said I needed to speak to the manager. As I was sitting and waiting for the manager. She called out to me in the lobby and stated the manager is on a call right now but she said she will not be releasing the hold Which is very rude to do that out loud. I stated I didnt care about the hold Im more so now concerned with you telling me that my account is considered a repeat over drafter when that account does not have overdraft and the only time I am in the negative is when I am charged an {$8.00} service fee by your institution. She then yelled out and said that I needed to contact the bank who gave the cashiers check to see what they can do. I asked why am I contacting them when you are my bank and you have the hold and the accounted listed as such. I was given every reason to not get assistance. I left the bank but after 2 minutes I returned because I still did not have my questions answered nor did I speak to the manager that she recommended. When I returned there was another lady talking to the same teller that I was speaking too and as I walked in I stated I still wanted to speak to the manager because my questions were unanswered. She stated I am the manager and I am not releasing the funds ( the new lady ). We are still in the middle of the lobby. She didnt ask for my account info, or if we could go and sit and talk or anything. I explained to her that I am not concerned about the hold, Im now more concerned about the reason for the hold. She stated it doesnt matter if we did the charge or not the point is its still considered overdraft even for the {$8.00} maintenance fee from us. Her entire tone was rude and did not want to help. My mom called and I asked her to give me a sec so I can tell her I would call back. She rolled her eyes and walked away. I told her that I am a customer and there is not reason for her to the manager and treating me as such. She asked me to leave the bank and I told her no. I asked for her name and she said XXXX and started to spell her name and I advise I did not need her to spell it and she said thats surprising you dont need it spell. I feel as if I was discriminated against. My privacy was not protected as this all occurred in the middle of the bank. I was embarrassed and felt humiliated from this occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAD A " SERVER ERROR '' XXXX. TRANSUNION DELETED A TON OF INQUIRIES FROM CONSUMER 'S CREDIT REPORTS THEN PROCEEDED TO PUT THEM BACK ON THE CONSUMER 'S CREDIT REPORTS. TRANSUNION FAILED TO FOLLOW THE LEGAL PROCEDURE TO ACTUALLY DO SO!. I CALLED TRANSUNION @ XXXX AND SPOKE WITH A REP, A SUPERVISOR, AND SPECIAL HANDELING THAT VERIFIED ( ON RECORDING ) THAT I WAS A VICTIM OF THE " INQUIRY ISSUE '', THE CUSTOMER SVC REP WOULD NOT HELP ME AND DID NOT TAKE CARE OF THIS TO DELETE THE INQUIRIES FROM MY CREDIT FILE EVEN AFTER VERIFYING THAT I ( IN FACT ) WAS A VICTIM. THE CUSTOMER SVC REP THEN VERIFIED THE ACCOUNT INQUIRIES LISTED HERE : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. ALL OF WHICH THESE RESULTING IN MULTIPLE INQUIRIES AND DUPLICATE INQUIRIES ON MY TRANSUNION CREDIT FILE.
Product: Vehicle loan or lease

I have made several requests for 2 weeks now for the vehicle to be picked up but they efuse! They keep calling me before XXXX XXXX when I have told them NOT to call me before that time as I am at work until that time! At this point they're intentionally calling me when I said I'm NOT available just to drag this out! Every time I call, a manager is NOT available and at this pont they're refusing to pick up the vehicle! It's causing me unnecessary stress, unscheduled interest and additional late charges! I have given them more than enough time to pick it up but they wont! I have told them that they need to relinquish all liens if they don't have it picked up by XXXX XXXX  XXXX on XX/XX/23. It needs a new engine as the timing chain has broken! The passenger seat is stuck and won't recline. It's not worth anything and I'm not paying on a vehicle I can't use. I tried surrendering it but they won't come get it!
Product: Checking or savings account

On XX/XX/19 I opened a account, I was offered a {$650.00} bonus offer making deposits totaling {$3000.00} for 6 months I was to get {$650.00}. I have yet to receive the offer outlined by Wells Fargo Bank. I opened a executive case # XXXX no response from wells fargo. I completed the requirement in addition have a transfer to savings of {$1.00} or more.
Product: Credit card or prepaid card

From at least XX/XX/XXXX - present I am charged two interest fees a month by chase- they call them XXXX XXXX Fees. 

My statements shows in XX/XX/XXXX a interest fee charge of {$97.00} and one for {$2.00}. Each month there after these interest charges come through in a total between XXXX $ as two separate charges. One is usually XXXX $ and the other $ XXXX. There are no cash advances or any separate debts that would explain why I am being double charged. I was sure the CARD act of XXXX was in place to prevent these double billing practices but I am seeing over time that chase does not adhere to following rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of information on my credit report, in accordance with 15 U.S.C. 1681 and U.S.C. 1692G ( 5 ) ( B ). I believe that the following accounts and information are incorrect and should be removed : 1. Collection Account : [ Account Number XXXX ] [ Explain why this collection account is inaccurate, e.g., not owned by me, incorrect amount, etc. ] 2. Late Payment Account Name XXXX ] [ Explain why this late payment account is inaccurate, e.g., payment was made on time, so please update as paid as agreed ] 3. Incorrect Address : [ Address XXXX XXXX XXXX XXXX XXXX, IL XXXX ] [ Explain why this address does not belong to me and should be removed from my credit report. ] I request that you conduct a thorough investigation into these matters as outlined in 15 U.S.C. 1681i. Please provide me with a written explanation of your findings and any actions taken to rectify the inaccuracies.

I am relying on the protections provided by 15 U.S.C. 1681s2 to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and your commitment to upholding the integrity of credit reporting.

Sincerely,
Product: Credit card

Business failed during CoViD. B of A transferred a Business credit card to personal liability. Garnished joint bank accounts. Failed to answer any complaint made to CFPD XXXX that you closed. They never provided you with their response. They did not disclose truthful statements to further their case. They provided non related paperwork. They appear to have created a welcome to this business credit card years after its actual inception. They have enriched the original debt I believe via fraudulent practice
Product: Mortgage

I am afraid of living in my home due to Shellpoint Mortgage 's practice. Although. I had a repayment plan in process, Shellpoint sent a third party that illegally entered my home. I thought I was going to be XXXX. Police were called. I have been in XXXX, on XXXX dealing with this XXXX with occured XX/XX/2018. I am current on my mortgage but do not feel safe here. 
This has affected my physical and mentally health to a degree that is interfering with my quality of life and the right to feel safe in my own home.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required XXXX XXXX XXXX truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXXXXXX Collection {$430.00} XXXX XXXX-Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Collection {$430.00} XXXX XXXX XXXX | XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax data breach, I am a potential victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENHANCED RECOVERY CO L has flagged your account as Collections on XX/XX/2020. 

Source : XXXX XXXX : ENHANCED RECOVERY CO L Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2020 Balance : {$310.00}
Product: Credit reporting or other personal consumer reports

I see a company XXXX on my credit report, which is actually damaging my credit that I did not do and I do not recognize for {$600.00} this company is showing that they are out of XXXX I live in the state of XXXX.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed there were a number of fraudulent inquiries and addresses on my credit profile that I did not give my consent for. The fraudulent inquiries and address that I am referencing consist of the following 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, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

I reached out to Amerifinancial Solutions LLC in early 2021 about a bill that was being reported to my credit file from their company. 
The bill was for medical debt. 
I mailed Amerifinancial Solutions LLC a request for debt validation, a contract between their business and the original creditor that showed they could collect debt and proof that they were licensed to collect debt in the state of Florida. 
Amerifinancial Solutions LLC mailed me a document that appeared to be medical services that were performed and my name was attached to those services. 
However I was never mailed a HIPPA release form stating they could access my medical information. 
Amerifinancial Services LLC has violated HIPPA in a attempt to collect debt however has yet to validate the debt, show proof of a contract between their business and the original creditor to collect debt and show proof that they are licensed to collect debt in the state of Florida. 

I would like to report this incident to the CFPB and ask for help in resolving this situation.
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 WITH BALANCE OF XXXX, XXXX XXXXXXXX WITH BALANCE OF XXXX, Removal of address XXXX XXXX XXXX XXXX XXXX, CA XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 or other personal consumer reports

I request that XXXX XXXX remove XXXX late payments and late reports up to 120 days after the end of the Covid-19 Pandemic. I have been unemployed for over a year during the COVID-19 pandemic. My unemployment benefits expire in XXXX of XXXX. I am very concerned about negative reporting due to the fact since my employment is in the cybersecurity sector background checks it part of the hiring process, and adverse reporting can affect my ability to gain employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good day! 
The issue that has occurred is that I have several unauthorized inquires reported on to my XXXX credit report and was informed by them, to create a report to remove these unauthorized inquires. 
Both unauthorized inquires were reported on the year of 2021. 
One is titled as " BARCLAYS BANK DELAWARE '' and the other is titled as " XXXX XXXX ''. 
I've already contacted the banks that left a hard inquiry on my report which led me to contact XXXX where the inquires are shown. Then was instructed to make these actions in order to solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for XXXX XXXX XXXX dated XXXX 2016 met this requirement, pursuant to the Act.
Product: Debt collection

I received a collection letter from cfpb XXXX I have never had XXXX unless its under another name. I am with XXXX XXXX XXXX and I called them and they said I had no debt with them for XXXX. I am disputing this until I have more information. 
You sent a letter to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 Around XXXX XXXX I called Bank of America to redeem my XXXX cash rewards. My current statement balance is XXXX the representative told me I could redeem my cash rewards towards my balance. Then I requested to pay my remaining balance of XXXX dollars And some change ( the XXXX rewards money was XXXX and some change ) little I knew the representative told me no I still responsible for the minimum payment which is XXXX. I asked how I am responsible for XXXX when my balance after applying my cash rewards is only a little more than XXXX dollars ... he went on and on I requested a supervisor .... then The floor supervisor before he LAUGH AT ME told me the same thing. After feeling extremely disrespected I also found that their ads regarding " cash rewards usage " its HIGHLY MISLEADING ... .. Bank of America doesn't tell customers that you can not apply your cash rewards towards your balance .... they use it as a credit then in the next statement " '' they still owe you money " '' which appears as what they call a " credit '' .... thus it is misleading that they tell customers " '' YOU CAN USE YOUR CASH REWARDS HOWEVER YOU WANT " '' '' It is just wrong that I owe less than XXXX dollars and they make me pay XXXX to owe me money for next month.
Product: Debt collection

The following Collections listed below were placed on my credit report without any written communication or documentation proving that I owe the debt described, I have requested that these collections produce the necessary documents to me. Otherwise Delete them from my Credit Report Immediately. 
XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) NCA - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) CCI - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX  - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX, XXXX AND XXXX- This Debt Buyer isn't even Active nor does it hold the note to collect anymore and must be Deleted from my Credit Report Immediately. 
SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC ) XXXX XXXX - SCRA RIGHTS APPLY per SECTION 533 ( c ) ( Codified at 50 USC )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, US DEPT ED account # XXXX, XXXXDOE account # XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

FTC VIOLATONS ATTACHED AND CASE PERTAINING TO MY CASE The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

XX/XX/XXXX - In XXXX of XXXX, XXXX  announced a data breach that exposed the personal information of 147 million people. The company has SOME ARE HIPPA VIOLATIONS