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

I had my payment set for XX/XX/XXXX. After somehow seeing the payment auto-deducted on the XXXX ( showed up on my bank account XXXX ) I was not happy but if they took the one time payment I wouldnt be pleased but no, that entire charge XXXX was 100 % fraudulant and unauthorized. 

On XX/XX/XXXX I logged in to make sure they didnt charge me again, and as stated above, they had. I do not and have never had auto-pay set up with them. The payment was not even due until XX/XX/XXXX. The payment was still pending but their exact words were there is nothing we can do, dispute it with your bank. And so I did. Too bad the charge from the XXXX didnt show up on my bank account until the XXXX, so they didnt see the double payment yet and deemed the charge as fine, even though I explicitly explained it was unauthorized. When it did show up on the XXXX, I had to file another dispute. Only this time, my bank froze my bank account for 2 weeks. I have had late payment after late payment for other bills because Comenity Bank basically stole money from me and wont give it back, and expect another payment this month : The money they fraudulently took on the XXXX they refuse to return. They have now locked my account and when I try to log in all I get is we are having technical difficulties. The stress and turmoil I have had to deal with is not only completely unacceptable, its straight up illegal. I am considering taking legal action against them. Comenity bank is the lender for my XXXX credit card, and just so happens to be the lender for a few of my other credit cards. I fear retribution : I fear them deciding to charge me whatever they want whenever they want and no consequences.
Product: Debt collection

Capital One is reporting a charged off account with a balance of {$460.00} on my credit report that was charged off and written off as a loss to the IRS and they are still trying to collect on this debt which is outright illegal.
Product: Money transfer, virtual currency, or money service

A buyer purchased a digital download code from me on XXXX and paid through PayPal on XX/XX/XXXX. Code was delivered to her at XXXX on XX/XX/XXXX. Buyer redeemed code and so is no longer eligible for return. On XX/XX/XXXX, buyer filed an unauthorized transaction through PayPal. PayPal gave her the money back plus charged me {$15.00} in addition and did not return my property. 

When I filed a dispute with PayPal, they told me intangible goods are not covered by their seller 's protection policy. This is untrue. The Seller 's protection policy is located here XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and states " For intangible or digital goods : You must provide compelling evidence that the intangible item or digital good was delivered or provided as described '' I provided compelling evidence as described, including an XXXX message received from the buyer asking me to send the download code and an XXXX  message from me to the buyer sending the code. The buyer redeemed the code and had access to both her PayPal and XXXX  accounts and I should not be liable for the charges. 

When I contacted PayPal, they changed their tune, and no longer said intangible goods were not eligible. They said they couldn't do anything because the buyer 's credit card was refunded. I had no contact with the buyer 's credit card, and the whole point of the seller 's guarantee is to insure buyers can not just turn around and ask for a refund from the credit card after stealing the item from the seller. 

I would like a refund from PayPal for the charge as well as for the additional charge they're charging me. 

Case ID : XXXX Transaction ID : XXXX
Product: Credit card

A full payment of {$1000.00} was mailed to Home Depot on XX/XX/year> which would have paid card in full and left a small credit on account. On XX/XX/year> this payment had not been applied to my account yet so I contacted XXXXome Depot who reported having not recived/no record of a pending payment. I was instructed to verify if check had cashed. I contacted my Mortgage Title Company who had issued the check during my mortgage closing and verified the check had been cashed on XX/XX/year>. A copy of the cashed check, front/back, was provided and a dispute was created with Home Depot who was also provided a copy of the cashed check. As of this date XX/XX/year>, confirmation was made with XXXX, a supervisor on XX/XX/year> that they had located my payment, and it has still not been applied to my account, now resulting in a late payment fee due to a payment being due on XX/XX/year>. This payment would have paid my account in full, and I was instructed that because there was a payment dispute, no consequences would be made towards my account.
Product: Credit reporting or other personal consumer reports

Capital One offered a swith on its app for customers who now had XXXX of the same credit card through the loss of XXXX XXXXCapOne credit agreement. The app stated no hard credit check since the cr limit would remain the same. The app gave options for other Cap 1 cards I selected one and hit submit. Then I immediately get an alert that I have a new cr card alert. I follow up with Cap One and they say I applied for new credit. Their app is the problem. There is no way I should be dinged for new credit if the action began with trying to so the no credit risk switch. This can not be the first time this has happened. Their system doesn't give warnings that you have moved from XXXX action to another. This is fraudulent at best
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraudulently, incorrect information, accounts that do not belong to me, accounts that need to be deleted and removed due to length of time, etc. and I have noticed that in the last 3-4 years my score with XXXX no matter what has only updated from a XXXX to a XXXX and I want to know why this is the case. I no longer see XXXX XXXX XXXX listed on my credit report with them due to the length of time but no increase in my score. I have made on-time payments, etc but no increase with regards to my score. Why is this the case and why hasn't my score changed, updated, etc with them in 3 years and when it did only by XXXX points given the fact that I have lost 100 or more points with them as a result of incorrect and negative information and my score in 3 years has only increased from a XXXX to a XXXX. Why is this the case? I want an investigation launched into this because something is not right here at all. My score should have increased tremendously by now as a result of items being deleted, removed, updated, etc. but it has not. This is not normal to me and even when I was working and making payments on time etc my score was always at a XXXX after I lost 100 points or more and I never ever received the full amount of points back that I lost as a result of anything. Credit bureaus have to notify you of any information that is deleted, removed, and updated with regards to your credit reports and this has not been the case with me in dealing with XXXX either.
Product: Checking or savings account

I was supposed to receive direct deposit from my company but the pay day came and went with no direct deposit. It has now been three days since and I have no money in my account. No time table for resolution no communication from Chase, nothing. Just an overdrafted bank account and a hungry family needing groceries
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a letter to TransUnion in reference to two ( presumably ) credit card accounts from the same company, with the following language : " The listed items are completely inaccurate and/or incomplete, as I have never held any type of accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. '' On XX/XX/XXXX, I submitted a letter to TransUnion in reference to an account listed under a creditor named XXXX XXXX XXXX, with the following language : " XXXX XXXX XXXX continues to report inaccurate information on my credit report with TransUnion, without sending in proper documentation as proof that the account is in fact my debt ... .Your credit bureau has failed to protect me as a consumer and has not followed the proper guidelines in place to verify debts on my consumer credit file. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. '' Also on XX/XX/XXXX, I submitted a second notice to TransUnion in reference to another debt collection agency, XXXX XXXX, XXXX, with very similar language. 

As of today, XXXX XXXX, I received a notice from TransUnion stating to contact the creditors directly. TransUnion also failed to inform me of the necessary steps they took to verify these erroneous accounts. I have reached out to TransUnion numerous times regarding various reporting errors, including unknown employers and addresses. I have not received any assistance from this credit bureau regarding any of my requests. Attached are all the letters mentioned.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX  XXXX XXXX
Product: Credit card or prepaid card

1.I have never had an account with this company SYNCHRONY BANK , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCHRONY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit card

Discover imposed interest expense in a way put its customers to incur more charges than necessary. The practice is also inconsistent with another credit card that I have. 

In the attached XXXX statement shows that I have paid {$1400.00} of the total {$1400.00} of the total balance, leaving an outstanding balance of {$14.00} supposedly. I have also attached the XXXX statement showing there are no outstanding balance prior to XXXX. 

However, in the XXXX statement, I was charged with an interest expense of {$44.00} based on a balance of {$1800.00} and not that {$14.00}, apparently new purchase amount that supposedly entitled to a 30-day interest free period are somehow not qualified and subject to interest charges. Again, I paid {$1800.00} of the total {$2000.00} during the period, leaving a balance of {$160.00} supposedly. 

In the XXXX statement, despite after fully pay off the any outstanding balance, I still incur an interest amount of {$9.00} based on the balance of {$370.00}, not {$160.00}. The explanation I received is that interest accrue on a daily basis based on the balance until it's paid off. However, to an ordinary person like me, I wouldn't know how Discover would consider " balance subject to interest rate '' is determined
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been advised by IRS that identity theft had occurred using my social and personal information. 
I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above. 
Please remove XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Remove Inquiries 15 U.S. Code 1602 - XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Inquiries XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Business Credit 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 as well as all inquiries listed
Product: Credit reporting or other personal consumer reports

I'm serious with this complaint and is obviously not sent in error. There are inaccurate information being reported in my credit report which caused me extreme frustration and inconvenience that impacted my ability in having new credit being approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries and never applied for these accounts
Product: Debt collection

They contacted my employer and told them i would be served with a summons at work the next day. They told them i was being sued. When i called they asked for my personal information and hung up when i did n't give them any. They called me the next day and left a message threatening to serve me at my home. I do not know who these people are and they would not tell me what i supposedly owe and to who.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain a refinance for my mortgage. I was denied because of false information on my credit report that was reported by XXXX XXXX XXXX XXXX. 
I attempted to dispute the fraudulent claims but they said that their system went down right before they submitted the report. I then tried to submit the claim online but the system said that my information did not match any of their files. I don't know how I could all of a sudden not have a credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : Transunion XXXXXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I want to file a complaint against Bank of America. I was a victim of fraud and the bank helped the thieves. An acquaintance of mine posted on XXXX a link about a secret shopper job. So I applied and was hired. 
They sent me by mail the first assignment and a check with the funds to do it. I had doubts about such an easy job, but I thought that if the check was valid it would be safe. So on XXXX/XXXX/16 I deposited a check for {$1800.00} into my bank account, and waited for the money to be available. After the bank showed the money in my account I asumed the check was clear, and it was safe to use the money for the job, so I withdrawaled it and used the money. 
On XXXX/XXXX/16 I deposited a XXXX check from the same job, and when I did so the balance of my account was off. 
After checking all the transactions from my account I noticed that on XXXX/XXXX/16 there was a transaction of return item for the {$1800.00}, the bank took back the money without any notice. I called them and found out that the check was n't valid. I asked them why did they acredited the money if it was n't valid and they said that they trusted me with handing them a valid check. 
This is not a matter of trusting their clients, it is their job and responsability to clear the checks before putting the money into people 's accounts making them believe that their checks are valid, and they could use the money. 
I withdrawaled {$1600.00} to do the assignment, because I believed that if the money was already in my account that meaned it was real and I had a job to perform as secret shopper. 
Bank of America failed in doing their job, which is protecting their customer 's money, and now after they realized that the check that I deposited was n't valid they just removed the money from my account, and told me it is my responsability to verify the checks. I thought I did that by depositing the check and waiting for them to validate it. 
Bank of America is helping the thieves steal their clients money, because they make their clients believed that they 've cleared the checks, when they have n't and the robbers must know this. I would n't have fallen in the scam if the bank had n't put the money in my account making me believe that it was all right to use it. 
They never let me know that I had to wait for a period of time to use the money in my account, after I deposited a check and they complete the transaction by showing the money in my balance. 
With this complaint I ask Bank of America to reinburse the amount of {$1800.00} to my account, as well as the return check fee. Also the bank needs to stop paying checks into an account without verifying it beforehand.
Product: Credit reporting or other personal consumer reports

I have inquiries on my report and collections on my report that I did not authorize and I have tried to clear this up with Equifax and the other bureaus as well. This is causing serious harm to my credit and we have started litigation on the matter, This violation of 15 USC 1681B permissible purpose and these things were not done by me and need to be taken of asap.
Product: Mortgage

I went online and paid my mortgage XXXX with XXXX. Unbeknownst to me they sold the mortgage and on XXXX the new company, New Rez, debited ny account ( I didnt realize this at the time ). Then in late XXXX I received a letter saying the loan was sold and to contact new Rez. Only XXXX I created log in and set up 1 time payment. Only XX/XX/XXXX I went to buy groceries and debit card was declined as they ( new Rez ) double debited me. I never authorized them to set up ACH, nor did I have ACH with previous company. I was told I would have refund in 3-5 business days and after 6 calls and 10 days later I still dont have my money. Im beyond upset as I needed that {$1000.00} to pay other bills and buy groceries. I am so upset! I also called Monday and was told I would have it at the end of the business day ( day 5 ). Today is day 8 and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries and unknown things on my credit report. To this day over XXXXXXXX XXXX later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX breach and may have got into the hands of the wrong person. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have XXXX XXXX  left to remove the following accounts completely from my Credit File
Product: Credit reporting or other personal consumer reports

I am demanding the immediate correction of the inaccurate personal information on my credit report. My correct and complete name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX, and my current employer is XXXX XXXX XXXX. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are legally required to ensure maximum possible accuracy in credit reports. Furthermore, 15 U.S.C. 1681b mandates that consumer information must only be reported for a permissible purpose. The continued presence of incorrect name variations and outdated or inaccurate addresses is unacceptable, unlawful, and must be corrected without delay. I demand the immediate removal and update of all incorrect personal information to reflect only my accurate details. Failure to take swift action will be considered willful noncompliance under 15 U.S.C. 1681n, subjecting your agency to liability of {$1000.00} per violation. I expect immediate compliance to ensure my credit file accurately reflects my identity, and I will take further action if these errors are not corrected at once.