23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Direct Express Debit Mastercard Comerica is where my XXXX XXXX XXXXXXXX monthly checks are deposited into. Card was closed by DE because of fraudulent activity. After it declined I called the customer service number and was told the charges had been made from XXXX XXXX, XXXX to the day I called and received the claim number XX/XX/XXXX. She told me to call back the next day and request the form that I needed to complete, and any evidence I have within 10 days from the XXXX. I did so. The form did not get to me in the mail until XX/XX/XXXX, leaving me with very little time to filI out the form and any evidence. I faxed and emailed it that evening. I received an email on XX/XX/XXXX, that I wasn't sure if it was a scam, claiming to be from them, so I called, I was given conflicting answers. I was sent to different people several times, and finally reached what I was told the " Supervisor Dept. ". I explained it to him, and he told me that my dispute was closed with no explanation for the reason, and he had no further info. It was the next day after I faxed and emailed everything in the evening the night before. It was already closed without any kind of an investigation or explanation why. I did everything by their rules and timelines. I live in XXXX, and the charges were all in XXXX. Most of the charges were made on the same day as some of my charges. I could not have been in two places at once. I filed police reports in every city the charges were made in XXXX  over the phone. I jumped through every hoop they made me do. The total transactions were XXXX, with a total of {$2100.00}. I am on XXXX and it is my only income, and I only make {$1300.00} a month as it is. So, I am now left with nothing to do about it. They are so rude, and hang up on you. I have been victimized twice. I've been a mess since it happened. 
XXXX XXXX
Product: Debt collection

my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I settled my account in full with XXXX XXXX. This account is still showing a balance on my credit report.
Product: Money transfer, virtual currency, or money service

I have tried to close my Paypal account on several occasions. I should be able to close down an account. It is a bank, yet there is no way for me to make a stop payment or even write them. I want to send them a clear statement to close down my account. They are making charges using old information that I updated on my Patron page and I have stopped my XXXX renewal. Paypal still processes them. Then says I can not close my account because of a negative payment. It will not allow me to remove my credit card number, my address, my bank account information. This is my personal information. I have gone to my bank to make a stop payment for PayPal because PayPal 's abusive systems. My bank informed me that I could submit in writing a stop payment to PayPal, but PayPal has removed anyway to email them without going through an extremely confusing tree, that does not have what I need. I am frustrated and scared that this company can apparently do whatever they want to consumers. This is my personal banking information, I should have some rights. Please help. I have been trying to do this for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information not reporting correctly has caused harm to my report in a time when i need to use it, because Transunion agency has not been 100 % I sent along attachments on the violation they are breaking, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX 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 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
Product: Credit reporting or other personal consumer reports

This company has not provided the investigation for companies that have put false information on my report
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Mortgage

I have made extra principal only payments every month since  XXXX  of  2016  totaling {$21000.00}. Every mo nth U.S. Bank  posts the principal only payment as a irregular extra monthly mortgage payment instead of Principal O nly. U.S. Bank Home M ortgage headquartered at  XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX  has provided me with a spread sheet showing the payments and how they were applied. The history shows a payment but NO reduction of the principal balance on  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 .   I have contacte  d U.S. Bank mortgage department every month about their consistent errors but to date the issue continues.
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I am concerned that   the extra principal payments have not been applied properly resulting in additional interest expense to me.
Product: Debt collection

I get repeated phone calls from this place even after the debt has been removed from my credit report. They bought the debt from an apartment complex I used to live and now will not leave me alone with the unprofessional and repetitive phone calls. Its basically harassment at this point
Product: Credit card or prepaid card

On XX/XX/2023, I bought a {$50.00} visa gift card at XXXX store. I initially used Chase Credit card to pay for it but it did not go through even though I tried 5 times. Ended up had to use my chase Debit card to pay for it. 

On XX/XX/2023, I saw that XXXX charged me XXXX on that transaction. I then disputed it through Chase mobile app. Chase credited me back at that time. 

On XX/XX/2023, I saw the charge from XXXX came back and show up on my billing statement. 

On XX/XX/2023, I called the Chase customer service to report the charge that I disputed a month ago came back on the billing statement. I found out that the dispute I made initially was considered as fraud claim, and I was directed to send chase a message to explain what happened. 

On XX/XX/2023, I sent the message on Chase webpage. 

On XX/XX/2023, I received the statement from chase that " You are responsible for the charge. Reason is that You received benefit from this transaction. ''
Product: Mortgage

In XX/XX/XXXX, our mortgage company paid the wrong amount on our XXXX property taxes from our escrow account. They paid a total of {$1400.00} ( in 2 separate payments for some reason ). The amount was about {$400.00} short ( we don't know why they didn't pay it in full ). The county then sent back the partial payment to the mortgage company, as that is their policy. The mortgage company did not investigate at that point or notify us. 

In XX/XX/XXXX we received a check for {$1800.00} from the mortgage company. We thought that was odd so we contacted them. They told us about the county sending the {$1400.00} back to them. We asked why and they said there were not sure why it happened. At this point, we had received no XXXX property tax bill or statement or any notice of any delinquency. We asked them to do an " investigation '' of the matter. We did not hear anything else from them about the investigation. Since we also did not receive anything from our county, we thought the check was some kind of overpayment from something in the closing of the loan since it was just closed in XX/XX/XXXX. 

Last week ( XX/XX/XXXX ), we received a letter from an attorney stating our delinquent property tax bill had been purchased by a private company and that we would need to pay a total of {$3500.00} or our house will be subject to foreclosure as of XX/XX/XXXX. This amount includes delinquency fees and attorney fees. 

We spoke to our mortgage company on XX/XX/XXXX and told them about the letter. We were told this was not our error and that they would be investigating it. We have not heard anything from them since then. We made sure to tell them this was an urgent matter. 

After a lot of phone calls, we have discovered that the county had been sending our tax bills and notices for XXXX to the wrong address, our old address, where we had not lived in over a year. We are not sure why someone on the county level did not properly record the address from the deed. We are still looking into that. But that explains why we never received the XXXX tax bill or any notices of the taxes not being paid. We thought our mortgage company was taking care of it, as they were supposed to. 

We would also like to note that they have already sent a payment for the XX/XX/XXXX year and it is once again the wrong amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent unauthorized inquiries on my credit report. I have a police report on file with transunion as I am a victim of identity theft. These inquiries were not done by me. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. The account Showing on my report as XXXX XXXX is reporting inaccurate information. I have disputed this account with transunion several times and they will not update it to report accurately. My report shows that the last payment to XXXX was XX/XX/XXXX and the account as open however this is inaccurate. The account close date should be XX/XX/XXXX which is the date this account was filed in a bankruptcy. This inaccurate reporting makes it appear that I have been delinquent with them from XXXX when in fact the account was closed in XXXX and discharged in a bankruptcy.
Product: Checking or savings account

Wells Fargo bank has taking stolen a lot from me. I had a personal loan with them that is paid off and I am still being charged and is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC complaint, it took some time for the credit bureaus to clarify that they are not obstructing records. I'm providing this complaint to help with formulating a legal response because it is required by FCRA regulation 605b. In the event that you decide not to stop the other items listed below that are responding incorrectly due to fraud. Following are the items that should be deleted from my file : XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The issue is a {$15.00} charge-off I was not notified about from this credit union, and when I was sent a letter it was about my credit card payment. 

XXXX XXXX sent email saying contact her XXXX XXXX XXXX XXXX sent email about my 30 days late credit card XXXX XXXX -I made the payment immediately XX/XX/2023 of XXXX ( Have proof of payment amount sent ) -Letter of delayed payment sent to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that was a mistake in payment XXXX XXXX ( collections manager ) removed the payment -XXXX  XXXX Unexpected Charge-off on credit report, Never notified of this from the credit union, If I was notified, I would have been made payment because I am running a business and need the funding for my business to continue operating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I am attaching supporting documentation to support my claim. I have a Federal Trade Commission Report and Police report along with a notarized affidavit to support my documents and verify my identity.
Product: Debt collection

I received a letter from North Shore Agency about a debt that is not mine. It says I owe money to XXXX XXXX for {$19.00}, but I have never heard of this company and have never done business with them. 

The letter states I can dispute the charge electronically at XXXX. However, this is not a valid website and I can not exercises my FDCPA dispute rights.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, MS. Near the end of the loan paperwork XXXX said GAP insurance was required by Credit Acceptance in order to purchase the car. I asked if it was necessary even though I already had auto insurance? He said yes so I signed. The amount was an additional {$670.00} to my loan. My name is XXXX XXXX. XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS XXXX. XXXX or XXXX. My mother XXXX XXXX also purchased a car from XXXX XXXX XXXX & had to purchase GAP insurance with Credit Acceptance. Her phone number is:XXXX. She bought a XXXX XXXX XXXX. I bought a gray XXXX XXXX XXXX 09/03/16. XXXX XXXX XXXX number is:XXXX XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX am I received a phone call from XXXX an unknown number to me, originating in XXXX XXXX XXXX. The individual on the phone, speaking broken XXXX and very difficult to decipher, asked to speak to me. They proceeded to tell me they were from a collection agency ( could not understand the name ) and that I owed {$780.00}. I asked for what and was told XXXX XXXX. I denied having any knowledge of the account and I attempted to verify the phone number they were trying to reach and the account number associated with the delinquent amount when the person hung up on me. I then received the same type of odd calls with broken XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. After XX/XX/XXXX I blocked the caller. I assumed this was a scam that I hear about all the time on the news, especially after the individual hung up on me when trying to verify. On XX/XX/XXXX I received notice from my credit monitoring service that a collection remark had been added to my credit report. I obtained the number to Sunrise Credit services, the company that placed the collection located in XXXX  and the same number from which I received the prior calls from XXXX, and informed them that this was not my account, that they did not properly notify me of the collection, and that they needed to remove the collection remark from my credit report. I was told I had to file a dispute and that it was not their policy to remove a collection from my credit report. I personally dont care what their policy is, they failed to notify me properly in order for me to dispute this account PRIOR to adding a collection remark to my otherwise outstanding credit report. This is a horrible way to do business, how many unsuspecting people, who dont actually owe any money to this company, pay them? They need to answer fro their disgusting business practices.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, are in violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card

They offer a 12 month promotion with no interest on medical bills. If you make 2 charges, months apart they lump both bills together and payments get allocated to both charges. If at the end of 12 months you call and tell them you want to make a payment that will pay off the first charge so you are not paying interest and a second payment for the second promotion charge they say Ok. That does NOT happen! Again the payment is lumped into both charges and they continue to charge interest. 3 phone calls and Im still being charges interest.
Product: Debt collection

Portfolio recovery calls me money stop but they could not provide the original receipt of payment owed, and they could not provide the original creditors contact information. Makes me believe they are not a legitimate company and I should not give out any of my information also I do not know what the debt is for or if it is legitimate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 at about XXXX pm I got a call from Wells Fargo XXXX department asking me if I did an advance from my Wells Fargo Credit card to Checking and if I opened a XXXX account and sent money. I told them I never have done that in my life. I have been with Wells Fargo for at least XXXX years. {$2500.00} was advanced to my checking and XXXX withdrawals of {$200.00}, {$250.00}, {$240.00}, and {$240.00} totaling {$940.00} were sent through XXXX to XXXX XXXX which I have no idea who that is. They stopped anymore withdrawals. ( There is still {$1500.00} in my checking account left from the transfer which I don't know what to do with.. I'm waiting for the bank to tell me what I should do with this left over money. 
A few hours later XXXX more transfers came visible of {$2500.00} each which Wells Fargo XXXX They closed my accounts and issued new accounts with new passwords etc. They told me every thing was okay after that. I called the XXXX XXXX. a couple of times to check on things because my account still showed {$2500.00} on my XXXX XXXX as an XXXX. They told me everything was ok and not to worry as I was leaving on the XXXX on XXXX for a XXXX week vacation.. When I got home on XX/XX/XXXX I got a letter from the XXXX XXXX. saying there was no evidence of XXXX since the unauthorized transactions took place on line. They said I did it or someone I know did the transactions. I live alone and no one has ever had my cards or passwords EVER. On XX/XX/XXXX I spent more than XXXX hours on the phone with the XXXX XXXX. telling my story and looking for answers. They transferred me to Claims, Credit Card XXXX, Everyday Banking, back to the online Fraud Dept, to a Resolution XXXX ( Stephaney in Florida ) who said someone from the XXXX XXXX will be calling me in 10 days. They also told me they would not show me proof that I did this transfer. 

In the mean time, on XX/XX/XXXX I went to my branch office of Wells Fargo in XXXX XXXX, MN and the banker XXXX XXXX XXXX made a complaint to the XXXX Department on this situation. Since then I have heard nothing from the XXXX Department. I checked with XXXX about the complaint and she hasn't heard anything. It is now XX/XX/XXXX. 

I don't know what else I can do. I want to fight this as I don't have that kind of money to give back to the bank. I live on XXXX XXXX Please advise me of what action I can take.