23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/23 I ordered XXXX pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' in size XXXX XXXX XXXX  for a total of {$1800.00}, from XXXX. I used my Apple Card from Goldman Sachs Bank. XXXX is an online marketplace. I never received the sneakers, they still have not been delivered. XXXX sent them via XXXX  XXXX with special handling instructions " Direct signature required ''. XXXX XXXX claims XXXX signed for the package. My name is XXXX XXXX XXXX, I do not know a XXXX. The signature they have on file is fraudelent, it does not match my signature or my XXXX XXXX the only XXXX people who reside at my home capable of a signature. Both my XXXX and I were not home at the time of the alleged signature and delivery. I filed a police report with the XXXX police, a signed affadavit from my XXXX  and I and a copy of my drivers license. I provided all of this to Apple Card along with numerous emails back and forth with the merchant, XXXX. Apple Card is failing to look at the facts of all the evidence pertaining to the dispute. Instead of working for me to help resolve the fact that I am being charged for merchandise I never received, Apple continues to ignore the overwhelming supporting documentation I have provided. Multiple supervisors from Apple have agreed with me that I should not be held responsible for the charge given all the information I have provided but I am then told a " different department '' handles these disputes and they have no control. These discussions are recorded by Apple, so it is possible to obtain them as evidence that Apple continues to tell me the charge should not stand. The merchant, XXXX only responded once, XX/XX/23, to Apple out of the XXXX times I have had to reopen the claim. It should be noted that Apple Card representatives/supervisors continue to suggest I reopen the dispute. I went through their response to the dispute and disproved their entire claim and emailed my rebuttal to Apple Card. Apple 's " different department '' still ignores the facts.
Product: Credit card or prepaid card

XXXX credit card bill arrived and I noticed unauthorized charges. I immediately ( around XX/XX/XXXX ) called and notified the bank of the unauthorized charges. The bank stated that they would conduct and investigation. A few weeks later ( XX/XX/XXXX ) I received a letter asking me to confirm my dispute. I reaffirmed the disputed charges and sent back the letter on XX/XX/2020. A few weeks go by and I noticed I still being charge interest and late fee, so I called back. I was told that the case is closed and a request to reopen the case was submitted and someone will call me within 2-3 weeks. I called every few weeks and I am told that an investigator is going to call me. After a few months I ask to speak with a supervisor and he tells the same thing. Each time no investigator or supervisor has reached out to me by phone or by mail. I don't what the result of the investigation, however I'm still being charged interest and late fee.
Product: Credit reporting or other personal consumer reports

I have a alledged collection on my report ... thats been deleted from my file XXXX times reinsertion is violation of my right under the CRA law ... and also reaging this debt is another violation.
Product: Debt collection

Credence has been calling me several times a day back to back.
Product: Debt collection

I sent a debt validation letter to the collection agency via certified mail and they REFUSED my letter. The company is : Plus Four Inc. 
XXXX XXXX XXXX XXXX XXXX, NV, XXXX
Product: Debt collection

On XX/XX/XXXX I receive a notification on my XXXX  Credit report of an account with Meade & Associates for a debt I had no idea about. The debt was from a check written to XXXX XXXX for {$37.00} back in XXXX. I call Meade & Assc and asked them why they would just now report this after all these years without notifying me first. They were XXXX XXXX XXXX. They could not provide validation of the debt. They said all they have was a copy of the check. I explained that I was a victim of identity theft years ago the I had provided all the companies involved with the verification, that this happened to me with affidavits & letters of confirmation. I asked them to either provide me with proper validation or remove this from my credit report. They were XXXX XXXX XXXX XXXX XXXX has tons of complaints against this company for unfair trade practices, which is exactly what they did to me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. All of my accounts were compromised and exposed to data breach. I initially requested for the fraud accounts and inquiries on my credit reports to be removed and they were but some of them are still on there. Please delete the late payment record from this account : XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX. This account was stolen and caused that late payment which I just recently discovered. This account involved must also be changed to XXXX XXXX ', which is a revolving account, rather than XXXX XXXX XXXX XXXX If you can see also, I attached the screenshot of my account and to date and it reports 100 % paid on time. So please, delete the inaccurate information from my credit reports asap. I refuse to accept any inaccuracy on my credit reports. I also need your help in deleting these fraud inquiries : XXXX XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX. I have attached my FTC report and IDs. Thank you for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRY ISSUES. 
I was shopping to refinance my XXXX in XX/XX/XXXX, and ROCKET MORTGAGE. was the projected lender which it is not actually. They run my credit through a 3rd company XXXX XXXX, this company run 2 additional times without my consent. The first time when a ROCKET MORTGAGE lender representative and I agree to estimate the refinance cost which I can see in my credit report back on XX/XX/XXXX ; the second time my credit report was pulled again ( XX/XX/XXXX ) when they transferred me to a second representative from ROCKET MORTGAGE and seems this representative without my consent restarted over and told me that I didn't qualify and needed more extra income to qualify They ask me for my wife 's credit and she consented, she talked to them and They told me will add to the estimated projected refinance. This representative not just give me a high estimate and pulled my wife 's credit report but also mine for 3rd time on XX/XX/XXXX which I consider unnecessary and against my credit behavior I didn't want and deserve to be treated in that way, fortunately, we walk away from this company and I qualified for other Mortgage company all by myself and my wife 's credit wasn't needed. I talked to XXXX XXXX XXXX XXXX XXXX XXXX ROCKET MORTGAGE and she didn't consider an error, short and not helpful Phone number is XXXX fax number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX RAN ME TWICE IN ERROR. SOFT ONLY
Product: Mortgage

Effective XX/XX/, the servicing of my primary residence mortgage note ( XXXX mortgage ) was transferred from XXXX XXXX to Chase ( XXXX XXXX XXXX, XXXX, XXXX, LA XXXX ). 

Prior to the transfer, I made a payment to XXXXXXXX XXXX for the XX/XX/XXXX  payment due XX/XX/. 

Upon Chase taking over as servicer of the mortgage, I set-up an auto-draft for the full monthly payment, effective XX/XX/ for the payment due XX/XX/, and on the 8th of each month thereafter. 

Despite this, and without my permission, Chase attempted to debit my checking account on XX/XX/ for the payment amount already paid to the prior servicer ( XXXX XXXX  ). I called Chase and informed them of their error. They refused to reverse the unauthorized draft but said I could just allow my bank to refuse the draft, which I did. 

On XX/XX/, my bank was debited for the proper mortgage payment, which was credited on the Chase website. 

But, without my permission, on XX/XX/, Chase again debited my checking account for the same amount as my monthly payment ( a second charge ). This is unauthorized in any way. I called Chase, and they incorrectly claimed that the charge was authorized, but I affirm this is untrue. I asked them to reverse this charge, which the representative said she would do. However, this has not been done, and my bank is demanding funds from me to cover this unauthorized double charge to my checking account.
Product: Debt collection

I am being charged for a bill collected from La Curacao that was paid off. XXXX XXXX XXXX claims that i never paid off the bill, which I did. My current balance is of {$590.00}. I live off Social Security not making more than XXXX. La Curacao store attempted to take advantage of people by giving them high prices and interest rates. I called XXXX XXXX to provide me with a receipt or statement that shows what i owe. They stated that they send it to La Curacoa. Why should i pay off something i never used? Account number is XXXX. Amount supposedly owe is {$590.00}. 

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

My husband and I applied for debt consolidation and we were turned down - the bank sent us a copy of the report re our credit rating- my report said in both XXXX  and transunion # 39 Serious Delinquency- yet I have always paid my bills on time there is absolutely no delinquency- When I tried to make them aware of this nothing happened- can you please check into this and please take off of my report Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Happy money is no longer the creditor it is with bounce now and payments are going to bounce. however, happy money is continuing to report delinquencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I noticed that information from XXXX XXXX XXXX  was being reported on my consumer reports without my consent which is against the law. Under 15 USC 1681b Permissible Purposes of consumer reports section ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I never gave TRANSUNION any written consent to report anything on my consumer report. They have violated me and my right to privacy. I filed a report with the FTC in reference to this theft. I tried calling TRANSUNION about this on XX/XX/XXXX and spoke to XXXX XXXX about the matter. He refused to delete the information that was being reported without my consent and stated he'll only update my name, phone number and address. I tried talking to him about the FCRA and how I never gave them any written permission to report anything on my consumer reports and he began to cut me off saying he is aware of the FCRA but he has to follow the procedures of TRANSUNION. I asked him what are the procedures and he said that he couldn't tell me that. I told him that TRANSUNION procedures are to be reasonable and they have a grave responsibility to respect my right to privacy and to be fair and impartial under the FCRA. He then said that he would not delete the information. I asked him is he familiar with the FCRA and he said yes and he doesn't need me to go over that with him. I told him yes I do because TRANSUNION is breaking the law and he began to cut me off while I was explaining how this was unfair and it was harming my reputation and character. I asked him to let me speak and not interrupt and that he was giving poor customer service. I asked him to let me speak to a supervisor and he said he is a supervisor. I told him that I requested a copy of my consumer credit file which has all information that has ever been reported but I only received my consumer report from them and he said that it's the same thing and I told him no it's not under the FCRA and I have a right to know what's on my file. He said that the information in my file is the same on my report. I told him there's a difference in a consumer credit file and a consumer credit report under the FCRA but he said there is no difference on my file and report. I asked to be transferred to another supervisor and he said no because he is a supervisor for his dept. I asked him to transfer me to another dept. and he said no he would not transfer me. This whole experience was very stressful and I the consumer am the one who has been harmed. I expect to be treated fairly and my right to privacy be respected. I am a victim and this is a crime under the law. I have mailed to TRANSUNION my FTC report, a copy of my driver 's license, copy of my social security card and copy of mail with my address on it, a letter demanding the removal of all the XXXX XXXX XXXX  accounts being reported on my consumer report, a ID T. affidavit and copies of the FCRA stating the law.
Product: Credit card or prepaid card

Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX My XXXX credit card account was transferred from XXXX XXXX XXXX to Comenity in XX/XX/XXXX. On XX/XX/XXXXXXXX Comenity made a Charge Adjustment to my account in the amount of {$4600.00}. I immediately called them and disputed it. The first four Customer Service Representatives literally laughed and said I had to pay it. I finally spoke with a woman who looked at my account and said it was a " Known Issue '' with their computer system and that she would flag it to be resolved and removed. She stated that it normally could take up to 90 days to resolve but that mine should be settled within 30 days. 
On XX/XX/XXXX Comenity sent me a letter advising me that they were researching it and that I would not be " paying on any disputed amount, applicable finance charges or fees during the investigation. '' I have not heard anything more from them. They did not even enter anything as a Dispute ID on their letter. 
On XX/XX/XXXX they charged me {$62.00} in interest on this Charge and asked that I begin making payments in the amount of {$110.00} each month. I've spoken with 4 more Customer Service Reps. Each advise me to make the payments. The last advised me they had also found another account with a balance of {$6.00}. They said that this would complicate matters and that rather than 90 days it might take a month or two longer than that. But that I should make payments so that my account does not become delinquent.

I had two fraudulent charges against my XXXX XXXX with XXXX XXXX XXXXXXXX on XX/XX/XXXX. One in the amount of {$4600.00} and the other in the Amount of {$6.00}. They researched it and absolved me of any responsibility for paying for it. Comenity 's own records clearly show it as fraudulent charges.

Please have them remove these fraudulent charges and fees from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS LATE ON MY AMERICAN HONDA FINANCING ACCOUNT IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALREADY SPOKEN TO THE CREDITOR AND THEY HAVE PROVIDED THEIR END LETTER OF AGREEMENT, BUT XXXX DOES NOT REMOVE THIS INACCURACY FROM MY CREDIT REPORT. 
XXXX AND XXXX HAVE ALREADY REMOVE THE NEGATIVE MARK EXCEPT XXXX, NO MATTER HOW MANY TIMES I HAVE SUBMITTED THE REQUEST THEY JUST DONT. 
PLEASE HELP ME TO REMOVE THIS MARK, CAUSE I NEED TO APPLY FOR STUDENT LOAN FOR MY SON. 
THANK YOU
Product: Credit reporting or other personal consumer reports

Experian, & XXXX continue to report the account XXXX XXXX XXXX Account # XXXX incorrectly. Financial institutions do incur losses at all. They are FDIC insured which means the account is covered and can not be charged off. They also have no access to my financial records to obtain them to verify late payments. If they do this is a violation of my privacy. If they do not provide me with the evidence to prove what they are reporting I will sue.
Product: Money transfer, virtual currency, or money service

I was contacted from a BOA XXXX number and the so called BOA representative stated they noticed suspicious activity on my account and that my debit card would have to be stopped and a new one mailed to me and also that I would need a new bank account and routing and that my funds would have to be moved to the new account but that they first need my authorization so she then proceeded to go over 5 transactions with me which checked out to all be made by me in which she then sent me a verification code on my phone which had a Bank of America logo in which I then clicked yes and before you know it later on that evening when I checked my account it had been overdrawn I then immediately contacted the BOA fraud department that same evening in which they then claimed it wasnt them who called me and that I had been scammed. Then I filed a case in which they then told me they may not be able to recover my money but that they would need 30-45 business days to investigate. After this I then went to their financial center to log a complaint and also filed a complaint with the FBI IC3 in which an fbi agent got back to me demanding for the acct and routing of the place The money went to. I called my bank and once again they stated I had to go into financial center to get this info and I went today and was able to obtain the info which I then emailed to the IC3 fbi agent As of now my bank as yet to offer me any type of temporary credit for this scam even though they have all the evidence in the world now that I had been a scammed. I mean we are talking about XXXX here. I have been with BOA since 2007 and its jsut kinda sad that they arent really trying to help me. 
Also I have a feeling that this was an inside job from one of their workers
Product: Credit reporting or other personal consumer reports

XXXX credit report {$700.00} high balances {$300.00} credit limit was the balance Company : XXXX XXXX XXXX XXXX XXXX  Report # XXXX
Product: Credit card or prepaid card

refer to Complaint number : XXXX which you closed without resolving. You allowed the company to tell you I paid late or short when I provided you proof I paid in full. You need to keep this complaint open until it is resolved in its entirety. I provided proof that it was paid in full BY THE DUE DATE. They said it was late or short. Since that was not factual, it was your obligation to contact them again. I now owe over {$60.00} in late fees and my credit was damaged. I need you to have any balance wiped off since late fees and interest should have never been charged since the card was paid in full by the due date and leave this open until the entire balance is wiped off and my credit report is corrected.
Product: Debt collection

I have an old credit card with Navy Federal Credit Union, it was closed on XX/XX/XXXX. On XX/XX/XXXX, Navy Federal made an unauthorized and fraudulent payment on the account, just 10 days prior to the end of the Texas Statute of Limitations in order to extend the length of enforced collection on the account. 

I did NOT and would NOT have made a payment nor did I authorize such a payment! This is blatant fraud on behalf of Navy Federal Credit Union. I demand immediate action, this is a fraudulent and unauthorized payment with malicious intent. 

This is blatant fraud for the purposes of predatory collection. 

Furthermore, I demand action be taken against Navy Federal for their predatory action.
Product: Mortgage

I am writing to formally express my deep dissatisfaction with the way my account has been managed, particularly regarding the recent response from XXXX XXXX. 

The mishandling of my funds has not only caused significant financial strain but has also had a serious impact on my mental health, security clearance, and employment status. When I made payments, I expected them to be applied appropriately, as agreed. However, due to delays and errors on your end, my funds were placed in an unapplied funds account, resulting in my account being inaccurately reported as past due. This confusion has led to a cascade of negative consequences, including job loss and issues with credit bureaus.

The stress from this situation has been overwhelming. I feel as though I am being unfairly held responsible for mistakes that were not mine. It is disheartening to see a company like Wells Fargo treat its customers in such a manner, especially when I have made every effort to meet my obligations.

I request that you take immediate action to rectify this situation and provide me with a comprehensive resolution. I hope for your understanding and prompt attention to this matter, as it has severely affected my life. When this situation happened, it cost me my job. In the future I would like to prevent anything from happening like to me again.

Here are some potential violations that I believe could be relevant : Real Estate Settlement Procedures Act ( RESPA ) : This federal law requires lenders to provide clear and timely information regarding loan servicing and prohibits certain practices that can harm borrowers.

Truth in Lending Act ( TILA ) : This law mandates that lenders provide clear disclosures about loan terms and conditions. Failure to apply payments correctly or communicate changes could violate this act.

Fair Debt Collection Practices Act ( FDCPA ) : If the mishandling of the account led to aggressive or unfair debt collection practices, this may be a violation of the FDCPA Servicemembers Civil Relief Act ( SCRA ) : This law provides protections for military members, including provisions related to loan modifications and forbearance. Any mishandling that affects these protections could be a violation.

Servicemembers Civil Relief Act ( SCRA ) : Provides protections for military members, including provisions related to loan modifications and forbearance. Mishandling that affects these protections could be a violation.

VA Loan Guaranty Program Regulations : These regulations enforce proper handling of VA loans, and failures in this area could lead to violations.

State Consumer Protection Laws : Many states have laws protecting consumers from unfair or deceptive practices in lending, which could apply in this situation.

U.S. Department of Veterans Affairs Regulations : Specific VA guidelines govern how loan servicers must handle payments and communications with borrowers, and non-compliance could be a violation. Evidence they messed up is attached for your records.