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

I purchased a custom-made doll from XXXX on XX/XX/XXXX, which had a delivery time of 4-6 months. At first, the seller kept in contact with me, but after the shipping time passed, she did not respond to my messages. After a couple of weeks of no response, I checked on the seller and saw that she had negative reviews that were similar to my issue. Additionally, her XXXX account was closed! I contacted XXXX immediately, but rather than help, they told me that I was a few days past their " guarantee '' and so they would not refund me the {$600.00} I was charged by the scam seller. 

I immediately contacted Discover, since I made the purchase on my Discover Card. This was XX/XX/XXXX. 

The Discover representative said they would let me know if they needed any documentation from me ; I NEVER received a request for documentation! 

On XX/XX/XXXX, Discover ruled in XXXX 's favor - I immediately checked to see their justification, and there are no details. I called Discover and they informed me I could still submit documentation, which I did. 

However, their decision several days later was the same. 

I'm honestly flabbergasted because I expect consumer protection to cover what is clearly a scam - a seller who charged hundreds of dollars for a purchase whose timeline goes past XXXX 's " guarantee, '' then closes her account when she's getting too many negative reviews... 

... yet Discover will not honor its own commitment to consumer protection? 

I feel frustrated an upset at both XXXX and Discover- this was a purchase over {$600.00} made to a clear ( in retrospect ) scam XXXX. Yet neither will make things right.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and noticed that I have XXXX inquiries on reports that I have no knowledge of I have tried to dispute items and your company doest no tale a fraudulent case serious here is the list please see attached XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX
Product: Checking or savings account

I filled a name change at my online bank ( HSBC, XXXX ) of which they forwarded me a secure email under a XXXX format ( automated signature done via email XXXX XXXX   XXXX? XXXXXXXX XXXX ). The documents they requested were an id, a document showing the name change like my marriage certificate, and they also asked for my full social sec #. I had no issue since it was via a secure method and from/through my bank. 

They just sent me the executed docs via email ( unsecured /no protection ) which contained the image of my license, marriage certificate, and the doc containing my signatures and Full Social Security number. I was leery of my social # initially being submitted, but did confirm it was a secure method so my concerns lessened. I was not aware they were going to send it back to me in what appears to be an unsecured format. 

I responded to the email indicating that they sent all of my personal identification info through unsecured methods as well as called HSBC to file a complaint. On the call they said their emails are encrypted if sent from HSBC but, again, I dont see it. Also the email sent back was from XXXX under the HSBC name so I dont know if that is something that is auto generated from the vendor they use, which may very well not be secure. Since I dont know if my complaint to them will go anywhere, I thought I would file this with you as well. I have my credit frozen from the credit bureau breech but this is awful to send all of that data out for anyone to pick up. Since they are an international company, if they are sending unsecured emails out w/ PII then that should be also violating GDPR in the XXXX XXXX
Product: Checking or savings account

Multiple unauthorize reverse transaction had taken place on my account for {$1800.00}, {$1500.00} on XX/XX/XXXX, XXXX  XXXX XXXX. The {$2300.00} and {$2400.00} on XX/XX/XXXX. This was fraudulent tranaction that had take place on. my account.
Product: Credit card or prepaid card

I fell into unemployment like many Americans in XXXX. Since XXXX of XXXX Key bank has put a hold on my account. Key bank keeps telling me that the issue is with the Dept of Labor. The supervisor at the Labor Department informed me that there is no hold and I believe them because Dept of Labor is adding funds weekly to my Key bank account. As of todays date Key bank is holding {$5900.00}. Dept of Labor cant do nothing else to retrieve my funds from key bank because the error is not on their end. I call key bank daily and after the XXXX outreach and hours of hold, the customer service rep at Key bank hung up the phone on me. I am beyond frustrated because for the last 3 months Ive receiving the runaround from Key. I have never been without employment, since COVID-19 I was forced out of work. Key bank is running a scam on people affect by this pandemic and there appears to be no check and balances on key bank practices. I can only imagine that they are doing the same to how many more people. They are taking unemployment money that have been defaulted to them via unemployment and not sending it to the people in need. Ive run out of options and this is my last recourse to get my much-needed money from key bank. Thank you
Product: Credit card

I purchased a puppy from your business on XX/XX/2024. 

I was sold a puppy under fraudulent terms, specifically that she would be XXXX registered, which is not the case. Additionally, she is not in good health as promised. I was also told for the credit i took out, there would be no interest accrued for XXXX year and would pay a minimum of XXXX per month towards the balance. However, I got the paper billing statement 4 days ago, with the bill due in 2 days notice, and 29.99 % interest rate applies immediatley! These misrepresentations are a clear breach of our agreement and violate consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago i notified Equifax that i noticed there were a ton of inquries on my credit report that i did not authorize. They responded back within a week that they were ACTUALLY MINES. How can you verify all those inquiries within a week? Just how? Mind you i have a fraud alert on my credit report because i felt like someone was attempting to get credit in my name. I checked my report today and noticed i had FORTY SIX INQURIES. FORTY SIX!!! - How? Who 's applying for these accounts? How is my credit not protected even with a fraud alert. Equifax told ME to reach out to the companies. Forty six companies? Really? I am obviously a victim of identity theft. I have contacted my local authorities and filed complaints. Equifax needs to remove these unauthorized inquiries off my report. ALL OF THEM. This is embarrassing that my personal information is easily accessible and i will not stand for it.
Product: Bank account or service

I have an checking and savings account with USSA. My brother and I have a joint checking account, but separate car insurance policies. Ussa completed a ACH of {$170.00} from my checking account to pay my brothers car insurance without my permission. I spoke with Ussa customer service on XX/XX/2017 and they would not give me specific information about whom authorized with ACH of {$170.00} from my check account and where this {$170.00} was applied to. I pay my car insurance of {$58.00} each month from my checking account. I was on the phone with Ussa supervisor for more than an hour without getting detailed information about this transaction. I spoke with my brother and he stated that he did not authorize Ussa to completed any ACH transaction from my checking or savings account. Ussa stated that I could not sign a fraud letter due to my brother being on my checking account as the secondary on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gm account went into charge off in XXXX and the account should have been closed that year. instead they closed account on XX/XX/XXXX .and there was no activity on the account for 4 years. all of sudden XXXX Gm reported 30 days late on my credit report for 56 months to present, which is wrong. 
the account in now payed and i have a 1099-c .and GM now change my credit report to 56 charge offs every month .which once again is wrong. 
this account should have been closed in XXXX with the charge off even with account closed and payed GM still uo to XX/XX/XXXX reported on my credit report negetive info. 
Gm account # XXXX. i would like this account cleared up pay and close from XXXX and 55 of teh charge offs removed starting from XXXXXXXX .thanks.
Product: Credit reporting or other personal consumer reports

The Date of the First Delinquency They have does not match the date that I have under 15 USC 1681 BE. You must provide Maximum possible accuracy, and I'm taking into consideration that the CFPB is suing you as well. I'm also requesting full disclosure of the XXXX of my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I made two payments from my checking account to my personal line of credit that is issued by the same financial institution. Two payments : 1 being the regular current due payment of {$200.00}, and the other an additional principle payment of {$100.00}. Both made on the same day one after the other. Both payments had been withdrawn from my checking but only the additional principle payment had posted to the personal loan. I have since called Citizens bank 3 more times to rectify the situation. First was on XX/XX/XXXX, for which I was on the line with the bank for 45 minutes at that time received a confirmation number that the problem would be fixed. 
I consistently checked my account on line and still had not been fixed so I called back on XX/XX/2019 and was assured it would be fixed and I would receive a phone call by Citizens bank the following Tuesday or Wednesday confirming the funds of my regular payment of {$200.00} would hit the personal loan. Still no payment as of Thursday XX/XX/XXXX and now I have received a past due notice in the mail stating I still owe {$42.00} and being charged a late fee. I am on hold with Citizen bank now waiting for a supervisor and have been on hold for 20min. They keep claiming that this is waiting for review from " BACK OFFICE ''. I am not sure why I have to wait for them to post a payment that is clearly seen as being withdrawn from my checking account long before actual payment was due. Both accounts are with the same bank.
Product: Debt collection

My complaint is included in the document attached. 
I am seeking monetary relief and deletion of accounts on my credit report due to unfair debt collection practices ( South Mississippi Collections ), inaccurate and incomplete credit reporting, consumer reporting agencies ( XXXX and XXXX XXXX ) not using reasonable procedures to certify the information being furnished to my credit report.
Product: Debt collection

The collector used harassing, abusive, mocking, threatening, dehumanizing language. He raised his voice, and treated me as sub-human. 

In the XXXX call ( XXXX/XXXX/15 ), I asked him to call back later as I was at work. he continued to harass me until I had to hang up, as I was at work. I did n't receive a call back until he called again and immediately notified me he had reported me to the credit bureau. I never had a chance to settle the debt before being reported. 

I also did not receive mail communication of the debt until after the XXXX call, when I had paid.
Product: Checking or savings account

I opened a savings account with Marcus Goldman Sachs with a {$50000.00} transfer from XXXX on or about XX/XX/XXXXXXXX 
When I received the XX/XX/XXXX statement by email from Marcus instructing me to login to review my saving account statement, the page loaded instructing me that my account was temporarily locked and to call customer service. I called customer service who wanted to send me a pin code to the cell phone number on file. I informed them that I had changed my cell phone number and proceeded to give them the new number. 
I was informed by the customer service representative that they could not verify my cell phone number through their system and that the account was under review. They informed me that the review would take 1-3 business days, which would have taken up until XXXX XXXX XXXX 
As of today XX/XX/XXXX when I again received an email to review my statement by logging into their web portal, again it says my account is temporarily locked. I called customer service to gain access to my account and am still being told my account is under review. I have given them my new cell phone number several times since XX/XX/XXXX, and as of today XXXX XXXX, they have the old non-working cell phone number on the account. 
I am reaching out for help to access my funds with this institution. I have done everything they have asked of me, which was to wait for the review to finish, but nothing has been done and I still can not gain access to my funds. I need help as there is no physical branch that I can go into to speak with someone in person and show my government ID to verify this is my account and my funds. As we speak I am speaking with XXXX from fraud department who would not give me any information as to why my account is under lock.
Product: Credit reporting, credit repair services, or other personal consumer reports

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 
( d ) Consumer Report ( 1 ) In general. The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681ml ; or a communication described in subsection ( o ) or ( x ).
Product: Credit card or prepaid card

Someone other than myself opened a  Capital One credi t card account using my email address. I do not have any association or accounts wit h Capital One.  I 've contacte d Capital One to  determine if the person used any other info of mine, and it seems like they did not ( my  SSN  was not in the system, for instance ). However, since I am getting their emails that only contain the last  4 digits  of their account number, I do n't have enough account information for them to stop using my email. When I call, I ca n't provide the full account number, or the account holder 's SSN or name. But obviously the person associated with that account should be getting the emails. Could you help me get  Capital One  to stop sending me emails meant for another person?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX, XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX – partial account number ****XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

CapitalOne is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to XXXX  but has not received any assistance. The account has been deleted with XXXX and however my XXXX And XXXX credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.
Product: Debt collection

On XXXX of XXXX, I made a final payment to my XXXX  account all devices were paid off except for 1. Which was an XXXX XXXX XXXX  XXXX that I still pay XXXX to this day. I receive a message from the credit reporting agencies that I owe a debt to a debt collector of a substantial amount. I call the collector and they tell me they can not verify the debt claimed to be mine and that I did not make any payments towards these devices, also stating that a final bill was not payed because it was not generated.
Product: Debt collection

The debt is on my credit report as Portfolio. I have noticed calls on my caller ID from Portfolio but never once is there a message left. How can I know who this is and what they are calling about if they do not leave a message so I can contact them?
Product: Mortgage

I have been the victim of predatory lending. The original loan purchase was {$460000.00}. The loan was restructured in 2009 with two balloon payments. Now, after paying faithfully, no missed payments or refinanced payments, and 17 years later, my loan balance is {$500000.00}. The loan has been sold several times, all to lenders with predatory lending practices : XXXX, XXXX XXXX XXXX, Ocwen Loan and now PHH Mortgage.

The interest rate was an adjustable rate and is at 5.25 %. I can't even refinance the loan as my monthly payment will go up due to these treacherous balloon payment. I'm asking that the lender forgive the balloon payments ( {$210000.00} ). My mortgage balance should rightfully be {$280000.00}. I was a single mother and could not fight this issue as I was trying to keep a roof over their head. I hope you can help me.

I have every document from the inception of the loan. I just need help
Product: Credit reporting or other personal consumer reports

I recently noticed multiple inquiries from your company on my credit report that I dont recognize or remember authorizing. This has been extremely XXXX  as its affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for failing to remove inaccurate information from my consumer credit report, despite multiple requests and supporting documentation demonstrating that the information is incorrect.

I first disputed the inaccurate information on XX/XX/year> by submitting a dispute through [ method : online, mail, or phone ]. The disputed information includes [ describe the inaccurate accounts, such as fraudulent accounts, incorrect personal information, or outdated negative items ]. Despite providing [ list any supporting documents you provided, such as identity theft reports, proof of payments, or letters from creditors ], XXXX has failed to correct or remove the erroneous data from my credit file.

I have followed up multiple times, including [ mention additional dispute dates or responses received, if applicable ], but I have not received an adequate resolution. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate disputed information within 30 days and correct or remove inaccurate or unverifiable data. Their failure to comply with this legal obligation is negatively impacting my credit and financial standing.