23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint with Experian goes back to last year XX/XX/XXXX. I pulled my credit report and noticed three-credit bureaus added to my credit report, XXXX Account # XXXX. I disputed this in XXXX of XXXX in which all three credit bureaus removed this account after their investigation. Proof of deletion is attached. I just happen to see it again on my Experian report as I was checking my report, so I disputed it again. They sent me notification that this account in which I disputed before with all three bureaus was verified. Experian did not do a proper investigation, or they would have known they removed it before. I know its not accurate and I want it deleted. This is in a violation to my rights with the Fair Credit Reporting Act Laws. 15USC 1681a [ 1 ] [ 3 ] Reinvestigation required [ A ], & 15USC 1681s-2 [ 9 ] Duty to provide notice of status as medical information furnisher. & 15USC 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] i, ii. [ B ] I, ii, iii. [ 1-3 ] [ C ]. & 15 USC 1681s-2 [ 8 ] Ability of consumer to dispute information directly with furnisher [ E ] [ 1-4 ]. 
Along with that issue, I have submitted letters and made phone call in attempt to removed inaccurate inquires off my credit report that are not accurate. These are also in violation of my 15USC 1681 section 602A & 604A. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX In addition, please send me the names. business address and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly.
Product: Mortgage

On XX/XX/2021, I locked in a XXXX XXXX fixed rate XXXX loan with Amerisave. Per the disclosure, the rate is good until XX/XX/2021. Over the next month, Amerisave repeatedly made basic calculation ( and other egregious ) errors with the loan including : XXXX. Misstating my income as {$5500.00} per month. I make ~ XXXX XXXXXXXX which averages to XXXX XXXX per month XXXX. Listing that I wanted XXXX XXXXXXXX in cash-out when I did not request any cash I repeatedly called the loan officer ( XXXX XXXX XXXX but did not get a response. I then contacted customer care for Amerisave. XXXX XXXX entered onto my file that he was in contact with me ( he was not ). He further stated that he informed me that my loan was closed due to my debt to income ratio. 

On XX/XX/2021, I asked that the issue be escalated and spoke to XXXX XXXX XXXXXXXX XXXX  Supervisor ) and XXXX XXXX XXXX ( XXXX of Sales ). They apologized for XXXXXXXX XXXX failure to contact me, and erronoeus statements that he had placed in my account. XXXX then asked XXXX to not contact me. XXXX ( XXXX ) informed both me and XXXX that some else would be assigned to my account. Shortly after XXXX spoke to XXXX, XXXX called me. 

I informed him that his XXXX stated that he was not to call me. XXXX went on to ask me to call XXXX and XXXX and ask them to place him back over my account. The conversation was completely intimidating and awkard. Later that night, XXXX XXXX called me back. He stated that Amerisave would not honor the locked in rate of XXXX XXXX at XXXXyears. I asked with all of the mistakes that Amerisave made and the extremely poor behavior from the loan officer could they honor the locked in rate. He stated no and offered me a XXXXyear at XXXX XXXX 

I have paid this company {$500.00}, and had been in a holding pattern for over a month been escalating the matter. I am requesting that they honor the offer they made ( yes I have the disclosure form documenting the locked in rate ).
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person
Product: Debt collection

I recently checked my credit score and I noticed a account in collections for XXXX, I tried to call the collection and i also tried to file I dispute with the credit Bureaus, they said I would need to file a report with you guys. So when I looked up the original creditor the company name was XXXX XXXX XXXX XXXX XXXX XXXX, I XXXX there company name and all the reviews say this company is issuing debt to people who never even did business with them, I Am XXXX and Im XXXX a XXXX Im trying to grow my credit and this debt is making it harder
Product: Credit reporting or other personal consumer reports

On Monday, XXXX XXXX, I applied for a loan but couldn't get an accurate rate due to my Transunion credit report having a " credit or security freeze '' that I did not authorize.
Product: Checking or savings account

Hi my bank chase keep overdraft my account now it XXXX I want to file a complaint they don't want to refunded my overdraft fees am upset
Product: Credit card or prepaid card

Re :  Interest Charge and Interest Purchase charge and continuing charging an Interest Purchase on  XXXX   XXXX  Th e Barclay Cr edit card seems to be a rip off ... I called them several times asking why are they charging the  XXXX  above charges every month. I can understand  XXXX  interest charge but they are charging an interest charge and an interest purchase charge every month when I have not made any purchases. On  XXXX   XXXX ,   XXXX  , I spoke with a representative that stated they would remove the charges immediately. As of today, those charges continues to be charged to my account. I have attached a statement showing the charges I am referencing page  XXXX  Thanks Very Concern Customer
Product: Credit card or prepaid card

I was upset once I reviewed my XXXX XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due XXXX2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate information on my credit report regarding my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681o, I am entitled to dispute any information that is incomplete or inaccurate, and I request that you investigate the following disputed entries on my credit report. 

Account Name/Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX ) Disputed Item ( s ) : Incorrect late/missed payments reported for the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I believe that these late/missed payments were reported incorrectly for the dates listed above. The payments were made on time, and I have supporting documentation to verify this. I kindly request that you investigate these entries and correct or remove them from my credit report. 

Enclosed are the following supporting documents to substantiate my claim : [ Insert any supporting documents, such as bank statements or payment confirmations ] Please conduct the investigation as required by 15 U.S. Code 1681i, and correct or remove the inaccuracies from my credit report. I request that you notify me of your findings and the actions taken within the 30-day period mandated by law. 

Should you require further information to complete your investigation, please contact me at ( XXXX ) XXXX or via email at [ Insert email if applicable ]. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I KNOW THIS MAY BE A DUPLICATE COMPLAINT, HOWEVER I HAVE UPDATED DOCUMENTS PERTAINING TO THIS MATTER, I HAVE INVOLVED THE XXXX POLICE DEPARTMENTS FINANCIAL CRIMES DEPARTMENT TO RESOLVE THIS MATTER, THEY HAVE CONTINUED TO NOT COMPLY WITH ANYTHING THEY HAVE CONTINUED TO LIE AND HAVE TAKEN RESPONSIBILITY FOR MY ACTIONS OF MY INAPPROPRIATE, LEWD AND XXXX REMARKS TO THEM. I WILL BE SPEAKING TO DETECTIVE XXXX XXXX REGARDING THIS MATTER AND THEY CONTINUE TO COMPULSIVELY LIE ABOUT XXXX XXXX XXXXXXXX HAVING MY XXXX OF ACCOUNTS ( THE CREDIT CARD ACCOUNT WAS BUT REVERTED BACK TO THEM AND I HAVE PROVIDED A COPY OF THAT CORRESPONDENCE AS WELL ) ALSO, AMIDST THIS BEING IDENTITY THEFT, PER CUSTOMER DASHBOARD IT STILL WILL TAKE PAYMENT ON BOTH ACCOUNTS REGARDLESS AND AS I STATED THIS STILL IDENTITY THEFT PERIOD, IN ADDITION THEY WERE TOLD THAT I WAS XXXX WHEN THEY SENT ALL OF THEIR VERIFICATIONS AND THEY CONTINUE TO IGNORE ME LYING CONSTANTLY!!!! I WANT THIS TO BE OVER WITH!!!! THIS SITUATION HAS CAUSED ME SEVERAL JOB OFFERS, POTENTIAL RELATIONSHIPS AND XXXX XXXX XXXX XXXX XXXX!!! THEY PRETEND TO BE SORRY AND BRUSH OFF THE FACT I HAVE TRIED TO XXXX XXXX ALONG WITH THE FACT THAT I AM XXXX, CARLESS, JOBLESS AND HAVE BEEN XXXX  AND XXXX CONSTANTLY!!!!! THEY ARE NOT SORRY AT ALL AND I WANT $ XXXX FOR EMOTIONAL AND XXXX DISTRESS WHICH HAS BEEN TAXING!!! I HAVE ALSO PROMISED TO NOT HAVE ANY CONTACT WITH XXXX XXXX AND NOT APPLY FOR ANY CREDIT WITH THEM AND ADDITION TO MY TERMS ONCE THEY HAVE COMPLIED AGREEING WITH THE TERMS AND CONDITIONS MENTIONED I WILL TAKE ALL OF THE XXXX XXXX XXXX POSTS I HAVE MADE BUT NOT UNTIL THEY HAVE AGREED TO MY TERMS, PAY ME AND GIVE MY XXXX XXXX XXXX OF MY CHOICE AS THEY ARE A MULTIBILLION COMPANY WHO CORRUPTS MULTIPLE CONSUMER AND TAKE NO RESPONSIBILITY FOR ANY ACTIONS AT ALL!!! I AM AWARE OF MY FINANCIAL CHOICES AND PROBLEMS. DOING THIS WILL RESOLVE EVERYTHING ON BOTH ACCOUNTS AND OUT OF COURT!!! THIS WOULD PREVENT ANY BAD PRESS, BAD PR AND ANY LEGAL ACTION IN THIS CASE!!! $ XXXX AND XXXX IS BETTER THAN LEGAL SITUATION AS WELL AS AN ANGRY CONSUMER!!! IF THEY CAN GO OUT ON YACHTS, VACATIONS AND HAVE XXXX MANSIONS BUT ACT CHEAP ( THEIR FINANCIAL AND PERSONAL ARE PERSONAL BUT THEY ACT LIKE $ XXXX WILL BREAK THEM )
Product: Credit card

I am filing this complaint against Capital One due to their refusal to recognize my Durable Power of Attorney ( DPOA ), violations of federal law, misrepresentation regarding account ownership, unjust enrichment, and lack of disclosure in financial dealings. Capital One has failed to address multiple lawful demands, and I request immediate intervention to protect my rights and enforce compliance and reopen closed accounts. 

Key Issues Refusal to Accept Durable Power of Attorney ( DPOA ) : Capital One has sent me correspondence stating they do not or can not accept my legally binding DPOA. This refusal directly violates federal and state laws regarding recognition of legal documents, including but not limited to : UCC 3-306 : Right of a claimant to enforce interests in negotiable instruments. 
XXXX v. Agnitsch, XXXX XXXX XXXX ( XXXX Cir. 1978 ) : Enforceability of actions taken under XXXX. 
I am not requesting ; I am demanding that my legal document be recognized as valid. 

Failure to Reopen Accounts and Use Principals Interest to Offset Debts : As the Principal, it is my legal right to have my accounts reopened. The principals promissory note ( collateral security ) created the account, and the bank is using this as an asset on its books. This constitutes misrepresentation when labeling the Principal as a borrower, as banks are not authorized to lend their own credit. 

XXXX v. Market XXXX. Bank, XXXX XXXX XXXX ( XXXX ) : Contracts beyond a corporations power are unlawful and void. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Corporations have no authority to lend credit. 
Capital One is unjustly enriching itself from my financial instrument while refusing to reopen my accounts. 

Unjust Enrichment and Proceeds of Securitization : I hereby claim all proceeds derived from the securitization of my promissory note. Capital Ones practice of bundling and selling securities for profit without disclosing this activity constitutes fraud and violates : Truth in Lending Act ( TILA ) : Requires clear and conspicuous disclosure of material terms.

UCC Article 9-203 : Enforceability of security interests and proceeds derived therefrom. 
As the creator of the promissory note, I am the grantor and registered owner. I demand my rights be upheld. 

Violation of 12 U.S.C. 411 Lawful Money : Capital One must accept payments in lawful money as defined under 12 U.S.C. 411. The failure to disclose how the application serves as collateral security is a breach of federal law. 

Lack of Disclosure and Proof of Delegation Authority : Capital One has failed to disclose the monetization process of my note and to provide proof of delegation authority to impose liabilities on the Principal. This lack of disclosure violates : 15 U.S.C. 1639 ( TILA ) : Requirement for accurate disclosure of credit terms.

UCC Article 3 : Governing negotiable instruments and rights of the Principal. 

as THEY DO NOT HAVE AUTHORITY.
Product: Money transfer, virtual currency, or money service

I had a transaction with Remitly last XXXX XXXX amount {$2500.00} USD via express delivery and it should only take 10 minutes but I waited for 12 hours- 24hours to 3 days and more but was n't able to send the money to my recipient. They emailed me XXXX XXXX saying they 're taking a second look at my transaction after asking for inquiry why it takes a long time. After 12 hours of waiting, I decided to cancel my transaction and received an email confirmation " The charge to my card was voided and will be reflected in my account balance by the end of the day ''. So I waited but my refund was not reflected back to my account balance. XXXX XXXX I spoke to customer service of my " bank '' and stated they are waiting for the receipt of cancellation from Remitly so I can get my refund back to my account balance. Right after my conversation with my bank I called and emailed Remitly and they are asking for the ff : details ( name of bank, bank 's email, name of bank contact person/department ) I emailed back that I do n't know and it 's not my job to send the " Authorization Hold Removal request from my bank in order for them to release the pending charge. '' This is very disappointing because I have the right to cancel my transaction and refund back my money as I do need it immediately. I tried my best to get in touch with them and do my work but still, I do n't know what 's going on and they 're not giving the right customer services. Thank you so much.
Product: Debt collection

CBE Group, on behalf of XXXX. 

CBE reps hung up on me 2 times, which is extremely unprofessional. The first time, the rep blatantly lied to me and said she would stay on the line until I received e-mail confirmation of the bill I paid. 

I promptly called back, and a XXXX rep hung up on me while I tried to explain that I have n't received e-mail confirmation. Extremely unprofessional behavior aside, e-mail -- or some type of confirmation -- is important because customers sometimes have no idea if the call is a financial scam. 

Lies, obfuscation, and rudeness reflect very poorly on CBE Group, and XXXX. With the numerous complaints against CBE Group in the Consumer Complaint Database, why is this company still in business, and or why has it not been fined?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Chexsystems is wrong! 
The FCRA section 605B, says all i have to provide is a copy of " an identity theft report '' Nothing at all about dates or time frames of when the fraud occurred. Chexsystems is trying to interpret and rewrite the law, which is illegal. They have 4 business days to block the fraud, and they never do. 
I got the XXXX accounts removed from my record, Chexsystems had to block it only. I gave them the information two years ago, they broke the law for two years, and lie about it like in this reply. 
Look at their policies and see this blatant disregard for the law. Chexsystems refuses to deal with the facts and hides behind XXXX. 
I am appalled by this behavior and asked them to provide me their policies in how they treat my account, they lie to your entity, imagine how they abuse other customers. 
Sad, and illegal is how Chexsystems breaking of tbe law is classified. 
Stop them from breaking the law, have their policies follow the law. There is fraud all over my account. 
They refuse to obey the law and harm instead. 
Fraud ten years ago, that is still being committed today, only takes ONE police report, unless it was now comitted by myself. The banks never charged me, because it is NOT me. 
Chexsystems can not ASSUME that, and not obey the law. 
I will attach the law, so they see there are no provisions in this law, for how they break the law.
Product: Credit reporting or other personal consumer reports

Account Numbers : XXXXXXXX XXXX XXXX XXXXXXXX ) To Whom It XXXX Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal for this account charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I purchased an item on ebay on XX/XX/20. This item was a pair of shoes purchased as a gift for someone overseas. When the item was received by my friend it was realized that the shoes were the wrong size. Shoes were ordered in size XXXX. The shoes received were size XXXX. It was also later realized that the shoe box had size XXXX printed on it but a sticker was placed over that to cover XXXX with a label that read XXXX. 

I contacted the seller notifying him about this a few times. The seller did not respond. I contacted ebay who recommended that I escalate a case with PayPal. PayPal recommended that I send the shoes back to the seller for a refund. I told PayPal that the shoes were overseas at the time and had to be shipped back from XXXX. I was told by PayPal to send the shoes back to the seller when I received them. PayPal stated that the shoes had to be returned back within a certain time frame. I notified multiple agents at PayPal that due to XXXX international shipping was delayed by many carriers and that I could not send the shoes back to the seller until I received them myself. I contacted PayPal multiple times to keep my case open until I received the shoes back. Each time I contacted PayPal my case was kept open by the agents handling my case. Once I received the shoes I shipped them back to the seller on XX/XX/20 and provided the tracking information to PayPal. 

Now PayPal is stating that the shoes were not sent back within the time frame that they stated. However, I clearly communicated to PayPal agents from the onset that the shoes were in XXXX and that international shipping delays were beyond my control. PayPal was contacted in a timely manner and my situation was communicated very clearly on numerous occasions. I don't understand why every agent I contacted agreed to keep my case open if I was to be told after returning the shoes that I did not return them in time. Now the seller has received the shoes back but PayPal is refusing to provide a refund to me. 

PayPal 's communication has been disjointed and I have been provided contradictory and inaccurate information. If I was to be denied a refund then I should have been told that BEFORE I returned the shoes. However, I was never told that. It is heinously unfair to deny a refund to me AFTER I have already returned the item - especially, when I specifically stated that the shoes were not in my possession to be returned immediately. And, considering that each agent I communicated with kept my case open due to the nature of the situation. 

I followed all guidelines and communicated the situation very clearly. Now PayPal is biased in favor of the seller who sent me the wrong item, tried to cover it up with a label that was different from the actual size of the shoes, and who has not replied to any of my messages on ebay. PayPal has been unethical in their handling of this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT SEVERAL COPIES OF A CANCELED DEBT FROM XXXX XXXX XXXX XXXX  SENT TO ME FROM THE IRS TO XXXX  CREDIT REPORTING AGENCY. THE COMPANY TELLS ME THEY HAVE NOT RECEIVED ANY OF THE LETTERS OR FAX COPIES I HAVE SENT THEM. THEY REFUSE TO REMOVE ACCOUNT BECAUSE IT'S BEEN INVESTIGATED SO MANY TIMES ALREADY AND REFUSE TO ACCEPT THE LETTER FROM THE IRS THAT IT WAS CANCELLED AND REMOVE FROM MY CREDIT REPORT. THEY WILL NOT SEND ME PROOF THAT I ASKED FOR THAT A REINVESTIGATION HAD BEEN DONE AND ONLY GO ON THE DISPUTES FROM 2018. I HAVE MADE SEVERAL ATTEMPTS THIS WEEK TO GET THROUGH TO THE CREDIT REPORTING AGENCY WITH NO HELP OR ACKNOWLEDGEMENT THEY HAVE AN UPDATE ON A PREVIOUS DISPUTE WITH EVIDENCE IN HAND.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX | account # XXXX XXXX XXXX| account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX |Account # XXXX XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX| account # XXXX XXXXXXXX XXXX XXXX  | account XXXX XXXX XXXXXXXX XXXX XXXX| account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX Equifax, XXXX, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1