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

I made a purchase from PayPal on X/XX/17 for {$100.00} with my credit card. The item received was not as described. Later in XXXX 2017, I disputed the charge through the credit card and received provisional credit. I then received a questionnaire from the card company dated X/XX/17. I filled out questionnaire and returned with documentation of emails and text messages between myself and seller to card company via certified mail number XXXX. On X/XX/17, I was rebilled the charge to my credit card. I contacted paypal to see if I could submit a dispute with them. I was ultimately told no ; however, through my inquiry process I was informed that my credit card company disputed the charge with paypal using the reason " item not delivered ''. My credit card company received proof of delivery from merchant and subsequently rebilled me. I did not dispute that the item was delivered, my dispute was that it was not as described. I informed the card company of this when I initially made the complaint, and in the questionnaire sent via certified mail. I disputed the charge again on X/XX/17 with the credit card, yet I did not receive a provisional credit. This dispute has not been resolved since X/2017 and has thus far been processed erroneously. Merchant represented in XX/XX/XXXX text message that he could work with files. I paid, only to receive unusable files. It was only on XX/XX/XXXX, after I paid, that merchant said he could not be sure by email. Yet he clearly represented he could work with files before payment.
Product: Credit card

I fell behind on my payments to my Barclaycard credit card by over six months. I contacted Barclaycard to see if I could work out a payment plan on the account before it was forwarded to a collection agency. The account services agent that I spoke with said that I could set up a payment plan beginning with XXXX 'good faith ' payments of {$19.00} a month for three months. At that point they said that I could increase the minimum payment and my credit card would be reactivated and carry a current balance instead of a past-due balance. This was on XXXX XXXX, 2016. Within a few weeks I was contacted by a collection agency that informed me that Barclaycard sold my account to them to pursue collections. Since XXXX XXXX, Barclaycard has continued to charge my bank account $ XXXX monthly. I contacted Barclaycard three times and was told on each occasion that someone was working on my account and would get back to me. The collection agency that contacted me told me that there was nothing that could be done since the account had been sold off to them. The representatives from Barclaycard informed me that a mistake had been made and that my account should not have been sold off to the collection agency but they have not taken steps to rectify the situation. My bank account is still being charged and it seems to me that Barclaycard illegally sold my account in violation of an agreement that I entered into contract with them on.
Product: Debt collection

$169
Open balance

WAYPOINT RESOURCE GROUP
Original creditor

Opened
XXXX XXXX XXXX (1 yrs, 1 mos)

Account status
Open

Original creditor name
WAYPOINT RESOURCE GROUP
Product: Credit reporting or other personal consumer reports

To whom it may concern : From XX/XX/XXXX through XX/XX/XXXX Credit Acceptance Corp account # XXXX has been reporting to my credit without my consent. They are clearly in violation of the law. 
Under 15 USC 1681 permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions to furnish this account to my credit report.Futhermore, the FAIR CREDIT REPORTING ACT 15 USC 168 ( 1 ) ( 2 ) ( a ) i Exclusion from a consumer credit report clearly states ( 2 ) Exclusion except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section 1681s -3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Im kindly requesting the above account be deleted from all three of my consumer reports due to violation of 15USC 1681..
Product: Debt collection

I have never heard of Afni. I do not have a contract with Afni. They keep calling my phone and my husbands phone multiple times a day. I answered and asked them to stop as I dont know who they are and asked if they would quit harassing me. I asked them to send proof that I have an actual contract with Afni and have not received anything. They are causing me stress and wish they would stop.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Report of violations and identity theft by XXXX XXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am using CFPB to report clearly the attack that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX has falsely put down a litany of false and misleading tactics onto me and on my credit report USING IDENTITY THEFT. 

They have used my social number, name, and information to report a new active live account on my credit report that I dont owe. This company has remained deceptive and unrelenting after numerous interactions and proofs. 

A POLICE REPORT HAS BEEN FILED AND THE NUMBER IS XXXX XXXXXXXX ON XX/XX/XXXX WITH THE XXXX XXXX POLICE DEPARTMENT . A FTC.GOV REPORT OF IDENTITY THEFT HAS BEEN FILED FTC.GOV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has opened a live active reporting tradeline on my credit report AFTER STATING ON XX/XX/XXXX IN A LETTER ; THAT IT WOULD NOT ACTIVELY BE PURSUED. XXXX XXXX ALSO HAS THE 1099B PAYMENT PROOF THAT THIS OLD DEBT WAS XXXX. 

DFINITION OF IDENTITY THEFT : What is the best definition of identity theft? Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain.
Product: Mortgage

THE LAW FIRM REPRESENTING THE COMPANY JUST FILED A COMPLAINT TO FORECLOSE USING A FORGED PROMISSORY NOTE. THEY KNEW IT WAS A FORGERY BEFORE THEY PURCHASED THE NOTE AND MORTGAGE. THEY PREVIOUSLY DISMISSED THE PRIOR FORECLOSURE BECAUSE THE NOTE WAS A FORGED DOCUMENT AND THEY KNEW IT SO THEY SETTLED. NOW, THEIR LAWFIRM, KNOWING THE NOTE WAS A FORGERY, FILED A COPY OF IT WITH THE COURT AND SAID IT WAS A TRUE AND CORRECT COPY OF THE ORIGINAL, KNOWING IT WAS A FALSE STATEMENT OF FACT, AND THEY SWORE TO THAT UNDER PENALTY OF PERJURY AS THE COMPLAINT WAS A VERIFIED COMPLAINT.
Product: Debt collection

LendingUSA does not allow the option to cancel payments online, and they shut down on Sunday 's and holidays. I was told when I signed up for this loan that I could cancel a payment any day of the week. This is not true. This caused me to get a fee from Lending USA as well as the personal loan company. When I spoke with Lending USA, the reps were rude and not helpful and could not get me the fee credited. They are very unprofessional.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my

federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told/informed Exper
ian, XXXX, and XXXX to reinvestigate and or remove these accounts : - FRAUDULENT ACCOUNTS : XXXX. XXXX XXXX > {$9700.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. DEPT OF EDXXXX XXXX {$2800.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 3. DEPT OF EDXXXX XXXX {$3500.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 4. DEPT OF EDXXXX XXXX {$3100.00} XXXX!! 
* Account # : XXXX * Date Opened : XX/XX/XXXX 5. DEPT OF EDXXXX XXXX {$7600.00} * Account # : XXXX * Date Opened : XX/XX/XXXX - FRAUDULENT HARD INQUIRIES : XXXX. XXXX * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681.
Product: Debt collection

I am a victim of identity theft. There are fraudulent accounts and transactions on these accounts with debt that were not made by me as the consumer. This has been ruining my financial reputation with your bank and multiple other banks as well because of this issue. The first account is XXXX and the amount is {$27000.00}. The second account is XXXX and the amount is {$12000.00}. I will attach the two Identity Theft Reports that I made as well. Please help resolve this issue. Thank you
Product: Credit reporting or other personal consumer reports

after checking my credit report I noticed an innacuracy in my XXXX account- it is reporting with a late payment for XXXX. while my account was closed, it was never paid late or not paid at all. I have sent requests for this account to be updated as current and they, and the credit bureaus have failed to update the account. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. Validate/inaccurate reported late payments Account : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2100.00} please have this updated immediately by all XXXX bureaus.
Product: Debt collection

I am involved in an relationship with a man who worked on the XXXX XXXX in XXXX XXXX North Carolina, he helped me to secure an job there as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since being introduced to him, the Private organization special operations team on XXXX XXXX, they have send my personal profile to Washington DC headquarters and told me to buy XXXX through local crypto currency machine in my local neighborhood. I had agreed to work with them in sending phones to the XXXX XXXX in XXXX XXXX North Carolina and they agreed to cover the cost of insurance and any charges on the XXXX XXXX XXXX account. This is been not rectified, since XX/XX/2021, I have several emails from this private agency in correspondence to this incident and when I reported them to the FTC the first time. They blocked their email address and nobody from the XXXX XXXX installation in XXXX XXXX has called me to rectify or clear this huge debt collection the current amount in debt collection is {$6800.00}. I was told that there is an XXXX in my name which I haven't yet been able to receive either. I paid for this vehicle to get registered in my name, this amount of XXXX payments was {$1000.00}. I believe the person behind this is false impersonating Federal government agency, using the FBI as they're way of getting through to me!
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX XXXX XXXX  ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX  and the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX I sent ( via certified mail ) XXXX, Equifax, and XXXX my FTC reports along with a copy of my driver 's license and the US Code 1681c-2 - Block information resulting from identity theft US Code .
Product: Credit card

Okay basically I got notified by a manager that they do not believe I am who I say I am and basically just because I submitted documents that doesn't verify me even though that's what they ask for I submitted all documents necessary I completed all steps necessary and the manager told me out of his own mouth that the reason why my restriction is not listed is because he does not believe that I am a XXXX XXXX XXXX man and that he spoke to the real XXXX XXXX XXXX man and that the account will be closed but today the account is still open my payment are late and missed because I am restricted out of my online account so I will begin taking actions to file a lawsuit I already have my lawyer ready I am gathering all documents and information so I am requesting that we get all phone calls that were recorded from when I called when the the card first open back in XXXX so I'm requesting recorded calls and I've already have started documenting the employee names etc and I want other people to look at my experience and try to find a alternate method when it comes to getting credit cards because this company is not following proper procedures and it is causing me to be behind on bills and ruining my life which is not fair as a XXXX XXXX XXXX man
Product: Bank account or service

I am disputing action taken by Citibank case # XXXX for putting accounts in my name into XXXX different collection agencies that were identified as fraudulent by me to Citibank. The following accounts including but, not limited to : Sears Home Depot Account ending in XXXX Account ending in XXXX Account ending in XXXX I disputed statement received by Citibank that were sent XXXX/2017 because of identity theft and the fact that the account numbers do not match the XXXX credit cards I have in my possession. XXXX from the Executive Response Unit phone # XXXX closed the disputed accounts through Citibank on XXXX/2017. 
I have attached the XXXX credit cards I have in my possession. I have never been late on any of my payments but, refuse to pay accounts that are not mine through Citibank. I want Citibank to IMMEDIATELY remove all negative information on my credit report and be held accountable for the threatening, continued harassment, and intimidation of a victim of identity theft. Citibank has never matched the credit cards I have in my possession. I am more than willing to settle any debt that I owe, will not pay for any interest charges, and expect Citibank to remove negative comments on all accounts in my name. Please see attached credit cards.
Product: Checking or savings account

In accordance with the Fair Credit Reporting act XXXX  Acct In accordance with the Fair Credit Reporting Act XXXX  these bank account XXXX XXXX XXXX ACCT # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an account without my written instructions.
Product: Checking or savings account

Summary of Issue : On XX/XX/XXXX, I purchased two pairs of shoes from XXXX in XXXX XXXX for {$2100.00}. After an event we planned to attend was changed to an all-black attire dress code, we attempted to return the shoes to XXXX XXXX XXXX XXXX XX/XX/XXXX. The items were unworn, with tags attached, and in perfect condition. A staff member initially stated an exchange would be possible, but another insisted we needed the original cardboard boxes to proceed, despite us complying with their online return policy, which does not mention boxes. I was told to return to LA to process the exchange, which was unreasonable and impractical. 

Filing the Dispute : I filed a chargeback with Chase for the XXXX Chase provided a provisional credit but later reversed it on XX/XX/XXXX without any prior notification or written explanation. This caused overdraft fees to accumulate. Under the Electronic Funds Transfer Act ( EFTA ) and Regulation E, Chase is required to notify customers of such reversals and provide an explanation, including ensuring overdraft fees are not charged on pending transactions resulting from the reversal. Chase failed to meet these obligations.

Chases Investigation Failures : Initially, Chase stated the vendor claimed I never attempted a return, which was false. 
Later, they claimed the vendor provided proof I returned the items without boxes, which does not violate XXXX return policy as stated on their website. 
I provided emails, receipts, and even the unworn shoes in dust bags with all tags intact. However, Chase mishandled the evidence submission process repeatedly, losing faxes and failing to reopen the dispute despite my repeated efforts. 
When I requested to see the vendors evidence, Chase refused to provide it, citing only the receipt and the box requirement, which is not supported by XXXX online return policy. 

XXXX Inconsistent Return Policies : XXXX receipt return policy mentions packaging must be attached, but their online return policy only requires items to be unused, unworn, and with tags. There is no mention of a box being required on their website. This inconsistency misleads customers and undermines their case. 

Chases Mistreatment of Customers : Chase did not perform a thorough investigation and sided with the vendor without addressing the clear contradictions in XXXX policies. 
They failed to notify me of the provisional credit reversal, violating Regulation E, and initially allowed overdraft fees to accrue until I fought to have them waived. 
Chases repeated mishandling of the dispute process ( losing evidence, failing to reopen claims, and refusing to share their findings ) shows a lack of accountability and consumer protection.
Product: Credit card or prepaid card

For like the fifth ( or sixth? or maybe tenth ) time now, a late fee has been assessed after my bank initiated an electronic bill pay on or before the due date. As is now the case, Bank Bill Pay or mailing a payment are the only methods available to pay the bill, as bill pay outlets ( That XXXX XXXX says is a payment option ) can not find " XXXX XXXX '' or " XXXX XXXX '' in the XXXX XXXX or XXXX XXXX, and eCheck drafting on XXXX XXXX ' website has since been removed long ago.
Product: Debt collection

ProCollect placed a {$230.00} charge on the XXXX  web site ( the creditor name was XXXX/XXXX XXXX  ) and was placed on my credit report.

I contacted ProCollect and after 5 minutes ProCollect realized they had the wrong XXXX XXXX XXXX they were pursuing ( my DOB is XX/XX/XXXX, the bad guy was XX/XX/XXXX). I have the Manager of ProCollect contact information as the Manager apologized to me several times about the mistaken identity against me and the case was immediately dropped against me. I then disputed this case at least 4 different times to XXXX to drop this " closed '' case against me ; but for reasons unknown XXXX  refuses to take this fraud off my credit report????
Product: Vehicle loan or lease

I have a used car loan with Nicholas Financial , Inc., XXXX XXXX XXXX XXXX, XXXX 's XXXX, MO XXXX. I did not choose this company - the car dealership arranged the credit with a different company, but a few months later the debt was evidently purchased by Nicholas and I had no control over it. Since the car dealership propagated another scam on me related to inferior car insurance, perhaps this change in loan companies was a similar bait and switch. 

Because of the exorbitant interest rate, and because I improved my credit rating drastically since I purchased the vehicle, I contacted my bank to request refinancing. The remaining loan was beneath their threshold for auto loans, but they offered a XXXX interest credit card instead. I contacted Nicholas to pay off the loan, but they refused to accept a credit card payment. My bank insists I should be able to make a payment with the card, but Nicholas refuses. I made a large payment via my checking account in the meantime, but I believe this is an unfair practice designed to continue to collect ridiculous interest, while I lose out on 0 % interest and bonus points on my credit card.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>