23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This has now happened twice and has prompted me to come to the CFPB. I have only ever disputed 3 charges. Only 1 ( less than {$5.00} ) has been accepted. The other two were denied and have caused me nearly {$240.00} in fraudulent charges that I had to pay for. 

1st time, dispute filed XX/XX/XXXX : I had XXXX charges from a restaurant I went to. The second charge was exactly 20 % larger than the first. Both were at the same restaurant on the same day. I was clearly double charged by the restaurant. My claim was denied and I did not get anywhere with customer service. I did not keep my receipt and learned my lesson. I did not have evidence to dispute it.

Now, the 2nd time : I filed two claims in XX/XX/XXXX for two charges that occured on the same day. I noticed them and immediately cancelled my card. One was a fraudulent charge for a video game that I did not recognize. The second was for a car wash in Ohio. I live in NY and have never been to Ohio. Gemini accepted the dispute for the videogame and denied the car wash charge. The explanation I was given was that they did not find the charge to be fraudulent. They said I can submit any evidence to dispute it. How would it even be possible to have evidence of something I did not do? I requested their information that was used to make this decision. This was over 2 weeks ago and still has not been provided. Customer service is not helpful and says that they are not involved in the claims and can't tell me anything that I haven't already been told. 

I really like this card but I clearly can not use it if they don't provide me any protection. It is by far the worst customer service and consumer protection of any credit card I have ever had.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

There was fraud activity occurring on my Chase account, where two unauthorized withdrawal transactions occurred on XX/XX/XXXX for {$300.00} and one on XX/XX/XXXX for {$4500.00}. Both transactions occurred at the Branch in person. I was not aware of this until XX/XX/XXXX of the activity and promptly reported it to the branch, where they cancelled and reissued me a new account. During this time I also discovered that they ( frauders ) changed my address to a new address ( not my own ). They made me aware of this and I corrected all the information. They explained to me that a check will be mailed to my address and that it may take a few weeks. I received a letter from Chase on XX/XX/XXXX explaining the situation and that I would be receiving a check for the {$4800.00}. Weeks went by and I never received a check or information regarding this check. On XX/XX/XXXX I arrived at Chase to inquire about the check. Chase informed me that the check was mailed and cashed in at XXXX  XXXX XXXX, I have never received the check and they made me aware that it was sent to my old address from 10 years prior. The check was also signed by my late husband, who passed away in XXXX. I once again reported fraud and submitted paperwork on XX/XX/XXXX. I have called numerous times in regards to updates and information but have received no updates on the status of my claim. They have continuously said they have a process of 60-90 days but have given us conflicting dates of when paperwork was received. The initial call was done in XXXX and we were told to call back in XXXX, we called in XXXX and they informed us they had no information or updates and that they actually received paperwork in XXXX. They have continuously given us different information each time we call and they have no new information to give.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to report false and old information from XXXX XXXX. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.
Product: Checking or savings account

Got a room from XXXX. Canceled the same day of reservation, did not receive a proper reimbursement. The money was in my account then the day after it was missing agin.
Product: Debt collection

XXXX XXXX  of XXXX XXXX XXXX  called me onXX/XX/XXXX and told me that the call was being recorded and he is calling about my credit account with XXXX XXXX XXXX XXXX. I told him that I don't owe any money to anyone. He confirmed my name and insisted that I do owe the money.. He went on to ask if we can settle this matter today. I hung up on him because I got a call from this company earlier in the week. I told the caller that I don't have a XXXX account ; he asked if my birthday was XX/XX/XXXXand I told him it wasn't. He told me that he will take my number off of the list. I don't own any explanation to anyone about my bills, which are in good standing, and, they should know who they are calling before they turn on the strong talk.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my car was stolen. All my personal information was in my card including my driver 's license, my unlocked cell phone, XXXX, and medical information. In XX/XX/XXXX someone opened an account in my name with XXXX XXXX XXXX. I reached out to XXXX and disputed the account and mailed in my ssn card, birth certificate, copy of the police report, and other requested documents to confirm my name and identity. I've filed several disputes with XXXX regarding this. I've also tried to resolve this directly with the company. However, since my name is incorrect on the account, I was not able to get information from the creditor. I have submitted yet another dispute by phone and by webpage concerning this. This account does not belong to me. This account does not have the correct name on file. XXXX only updated my name on my credit report but did nothing else concerning the fraudulent account opening. I mailed many documents, but when I check on them and provide tracking information, they claim to not have received my documentation.
Product: Debt collection

I am disputing a debt that is being reported under my name. The company claiming to collect this debt says it is from American Express, but when I contacted American Express directly, they stated that they do not have this account on file and referred me to another number. When I called the new number, I was redirected back to the original company, creating a loop with no resolution.

Additionally, I requested written validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), but the collection agency refused to provide documentation proving that this debt is valid. Instead, they told me to contact the " credit bureau team '' at American Express, but this team does not appear to exist. 

I also attempted to negotiate a Pay-for-Delete agreement, but the agency declined and would not provide any resolution options. Because of these inconsistencies and lack of proper validation, I believe this debt is either inaccurately reported or does not belong to me.
Product: Debt collection

I have been repeatedly called on my personal cell phone, but I have also been called at work which is the bigger problem. I only gave this company my work phone to verify employment. I never authorized them to contact me at work for any reason.
Product: Mortgage

I have been trying to get a loan modification for almost 4 years now. First through XXXX XXXX XXXX, they repeatedly asked me for the same documents every business quarter. Specifically, bank statements, a personal profit and loss statement, and tax return copies. I did that many times for almost a year and a half, at that time I got a letter from XXXX telling me that my loan had been sold to a company called Shellpoint Motrgage company. That company just picked right up where XXXX left off, asking me for those same documents, bank statements, profit and loss, tax returns. I have supplied them to Shellpoint through an attorney I retained. I have sent those same documents for almost 2 years now with no loan modification, just more form letters. My loan is due to increase by almost double this month, my attorney has repeatedly tried to contact Shellpoint to get status ... .No callback, no email response from them to this point. I have not received any certified mail regarding status or disposition of my case. I am filing this complaint in hopes that we can work together to get Shellpoint to do my loan modification.
Product: Checking or savings account

On XX/XX/2021 I made a purchase for pick up at XXXX XXXX. They did not have this item in stock so I made another purchase online to ship to my place of residence on XX/XX/2031. I was told my original purchase would be refunded in 2 business days. On the XXXX of XXXX it came to my attention that the original purchase was never cancelled and they had took it upon themselves to have the item sent to store. I had to cancel this myself since my order from the XXXX of XXXX had been delivered. I waited for my refund to return but it never did. I submitted a dispute with my bank, XXXX XXXX via robinhood, and was told it would be taken care of. We are now at two months and I have yet to recieve my money back and just keep being told that it will get resolved. It has not and I'm tired of waiting for my money. XXXX XXXX via Robinhood and XXXX are the worst. The people who work there do not care, I've already talked to XXXX XXXX case management and they say on their end the refund was processed and was successfully sent back to me that I needed to contact my bank. My bank is XXXX and they are sitting on this they are unlawfully holding my money it sounds like to me and that is not right. The last communication I have from them is XX/XX/XXXX, in which they asked me AGAIN for information I already gave them and clarified. I have provided all email proofs that show my money was never returned to me and still they will not give me my money back. Please help!
Product: Credit reporting or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX account XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX account XXXX. Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Checking or savings account

It started in XXXX they started to send XXXX stating I had a line of credit which I did not I would make a withdrawal from BOA in XXXX XXXX XXXX  for {$200.00} the screen would pop up {$35.00} insufficient funds pay {$35.00} yes or no I pressed yes they would deduct what was owed and at times they would deduct next month stating I owed which I did not they held back from my direct deposit {$300.00} I was to receive my money back XX/XX/XXXX which I did not receive then they would deduct more the next direct deposit saying I owed money from a line of credit which was not true so from XXXX to XX/XX/XXXX they kept $ XXXX they said money would be deducted from my acct and I gmailed back please do not deduct any money I owe you nothing you still owe me {$300.00} I am on a fixed income so they deducted {$240.00} or more each direct deposit I have all the documentation written down what deducted each time I had {$3.00} and they even helped themselves to that and sent me a chk for the amount that was withdrew I still have the chk that is theft I XXXX  management 6 times and went in person 5 times saying we did not owe you any money then they said the branch mgr would not talk to me gave me the run around said XXXX XXXX bonds were the one helping themselves to my money went to XXXX spoke to an associate and she said no we did not you are paid in full then I asked are you willing to testify on my behalf and she said yes I even went to file with BOA fraud and said I can not seem to find 3 yrs back in fact you can look back 7 years I did my research since then I have been stressed out lots of headaches I suffer from XXXX big-time please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you will have to send you copies of my documentation as well as my acct I am permanently XXXX do not trust site my XXXX  has been compromised by XXXX XXXX aka XXXX and XXXX XXXX XXXX XXXX who works at BOA as Branch Manager XXXX XXXX aka XXXX received a loan for a house next door at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX the house is being rented XXXX XXXX aka XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX they were evicted for being child molesters XXXX XXXX and XXXX XXXX along witXXXX XXXX  she is XXXX remember the XXXX XXXX  who ran off with the fake daughter and her husband XXXX XXXX they all are lovers the loan was for {$250000.00} XXXX received {$40000.00} the neighbors at XXXX have a new charcoal gray car four door XXXX XXXX well all these people do is extort money and that is why XXXX XXXX and her husband received half of {$68000.00} and XXXX XXXX received {$68000.00} and XXXX XXXX aka XXXX received {$120000.00}. XXXX XXXX lives at XXXX XXXX XXXXXXXX XXXX XXXX XXXX the people above were boosting about there theft per say XXXX and XXXX. Well XXXX XXXX XXXX he put the rental up for the loan plus he want a XXXX change
Product: Debt collection

Protfolio Recovery Associates LLC bought all my charged off credit card debt. They can not collect a debt that they purchased for pennies on the dollar. They are not a collection company. They tried to sue me once, I got a laywer to dimiss it. They call me at least 10 times a day at my work and my cell which they never had permission to contact me. They call my daughters phone number, which i never gave them permission to contact her. They call from spoof numbers that are local with my area code. They have now gone and placed these items on my credit report. I have disputed it with XXXX and XXXX but they will not remove it. I dont owe these people anything and want them to stop harassing me and remove this stuff off my credit report. I have blocked their numbers as they come in, I have over 100 numbers from my area code blocked in my phone.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness. 

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXX XXXX  - XXXX
Product: Debt collection

On XX/XX/XXXX I filed a complaint with the better business bureau against the company for reporting a balance on my credit report after responding to that complaint stating that my account with them would be paid by collateral meaning by returning the vehicle they would accept it and XXXX the account out they got the vehicle but added a balance to my account of XXXX when it should state XXXX balance owed in the remakes it states involuntary repossession which I called them to pick up the vehicle so they are in possession of the car and here it is XX/XX/XXXX and the company has yet to update my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX  have been reporting an XXXX XXXX account {$4600.00}, XXXX XXXX Account {$0.00}, XXXX  XXXX XXXX account {$3700.00}, and XXXX XXXX XXXX XXXX XXXX account {$0.00} Limit {$3000.00} that I did not give my written consent to them to report anything. As stated in 15 USC 1681 ( b ) ( 2 ) Permissible Purposes of Consumer Reports. " In accordance with the written instructions of the consumer to whom it relates. '' I have tried numerous of times to get these items removed and each time they respond with they verified these accounts which is false. According to 15 USC 1602 I am the original creditor, and only the original creditor can validate a debt, which I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX- Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : Medical ) - Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. National Credit Systems Inc : # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card is reporting me as having a balance when it should be no balance, this is included in chapter 7 Bankruptcy that has been discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections & O is showing a leasing management balance of {$5900.00}. I vacated the rental property address : XXXX XXXX XXXX, XXXX, SC, XXXX managed by XXXX in 2016. I have never received a statement with any itemization of damages or fees, etc. The South Carolina Residential Landlord and Tenant Act, ARTICLE 3, Landlord Obligations, SECTION 27-40-410. Security deposits ; prepaid rent states : ... Any deduction from the security/rental deposit must be itemized by the landlord in a written notice to the tenant together with the amount due, if any, within thirty days after termination of the tenancy and delivery of possession and demand by the tenant, whichever is later... 

Because they failed to provide the written documentation the fictitious charges need to be removed.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately. XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX