23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I did express send with an amount of {$650.00} to a family member to the bank XXXX in XXXX. But on their end is showing that their was no money sent to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Regarding XXXX, EXPERIAN, and XXXX, I'm writing to you. Evidently, I've written you about this in a number of letters. They have disregarded my demands for some reason. 

My consumer rights are being violated by these credit bureaus.

They broke both the FCRA and the CFR. Please see 15 U.S.C. 1666. ( B ). Another statute that is relevant to this letter is 15 USC 1681 ( B ), which stipulates that I, as a consumer, must grant you PERMISSION to provide information on my behalf. 

I have not yet given such authorisation to you or ( XXXX, EXPERIAN, and XXXX XXXX XXXX XXXX ). Additionally, in accordance with Section 604 of the Fair Credit Reporting Act, Consumer Reports may be used for any lawful purpose. in general Anything subject to subsection ( e ) XXXX billing error resolution. 


I've provided a copy of the tracking number below to demonstrate that I sent them individual letters for each credit bureau. 



Kind regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Credit card or prepaid card

While I closed out my account a few weeks ago in regards to a late fee that was accessed to my account due to the automatic payments not coming out. I noticed that there was a charge to my account that I did not authorize. When I contacted the company I was advised that I agree to the charge. However I did not agree. The charge is fraudulent and I would like this company reprimanded.
Product: Credit card

This company is in direct violation of 15 U.S. Code 1681s-2 - ( Responsibilities of furnishers of information to consumer reporting agencies ). I was never notified within the allotted 30-days prescribed by the FCRA, in writing, of any negative information ( late payment ) being reported to the XXXX credit bureaus ( XXXX, XXXX, or XXXX ) regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX {$9900.00} XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX- {$18000.00}
Product: Bank account or service

XX/XX/XXXX paypal was going to charge me {$16000.00} when a buyer wanted to charge back all her purchases for 3 months to myself and about XXXX other merchants. We all submitted positive proof of her making the buys including government Id and her holding photos stating she was making the purchases. Paypal at first sided with all us merchants, and then later reversed themselves and charged us all with the purchase amounts. Every merchant then filed with the FBI and eventually the FBI investigated and seized her computer and the pictures were still present proving she made the purchases. Also we each filed with the CFPB against paypal and paypal then issued each of us credits for the chargebacks because paypal " violated its own policies '' regarding chargebacks. At the time paypal instituded a {$200000.00} reserve on my account for selling only, which means I would have to deposit {$200000.00} or sell {$200000.00} before I would receive any money. Paypal withheld all my remaining money at the time which was about XXXX into the reserve. So for the past year, I have n't sold anything. I only used my paypal to pay for things and had no problem with this arrangement. A couple days ago, however, paypal limited my account for no reason at all. I called in and customer service could n't find any reason why it was limited though they thought it was probably due to the XXXX XXXX XXXX incident ( the lady who tried to charge back {$16000.00} ). So now I ca n't use my account at all and paypal has been holding my money for nearly a year. The name/email of an FBI agent on the case is XXXX XXXX [ XXXXXXXXXXXX ]. He can verify what I said is true.
Product: Credit card

I signed up for a credit card with a high yearly fee due to the benefits it says it came with. XXXX benefit, as I understood it, was a free night at a hotel that I would receive XXXX weeks after signing up for the card. After XXXX weeks I reached out to see why I didnt receive the benefit at which point the company informed me that the benefit was only in the XXXX  year of having paid for membership. 

The language below was included in the fine print but describes a wholly different benefit to the Free Award Night benefit that you only get after the XXXX  year. 

Free Night Award The Free Night Award has a redemption value of up to XXXX points for XXXX standard room. Certain resort fees may apply. 
It may take up to XXXX weeks for the Free Night Award to be deposited into the XXXX XXXX member account after the Card Member selects this benefit. 
Award is only available to the Basic Card Member on the account. Award is valid for XXXX  ( XXXX ) year from issuance date. Award may not be transferred, extended beyond the expiration date, or re-credited for points. 
Free Night Award Redemption is subject to availability. Participating hotels may limit the number of standard rooms available for redemption on a limited number of days.
Product: Credit reporting or other personal consumer reports

I had an account through Dell Financial Services ( DFS ). I arranged payment of a personal computer and a subscription to XXXX XXXX, with annual renewal. That renewal was due XX/XX/2023. In that time I had a new debit card issued and the renewal payment was missed. The amount for information was {$76.00}. On or about XX/XX/2023 I received a call from an unlisted number. The caller claimed to be with DFS. The caller said i had an overdue debt, and I needed to pay. I asked what debt it was, and they wanted my entire Social Securtity Number to discuss. I declined. I thought this was a scam. I received a letter from Dell Financial Services with an itemized bill indicating the bill was missed. Dell Financial services had also added on {$65.00} of penalties. I called Dell Financial services and told them of the experience. They agreed to cancel the penalties due to the circumstances and I paid the amount owed. In XX/XX/2023, DFS transitioned their credit business to Comeinty Bank. In XXXX XX/XX/2023 i noticed that a negative credit remark had been made against me to all three credit bureaus. It lowered my credit score XXXX points. I called DFS and they stated since Comenity had their credit there was nothing they could do. I should call Comeinty or file a XXXX  complaint. I did. Comenity sent a resolution letter attached. I sent the XXXX  a response to this letter. 
Comenity states that they will not take any action. The penalties were refunded to me out of a courtesy. If I was in the wrong, then they should have never refunded the penalties. At the time I was granted this " courtesy '' refund nothing was mentioned about negative credit remarks. I consider this move a duplicitous action by DFS. At least Comenity did discuss it with me, DFS the account owner at the time refused to take action at all. The XXXX  recommended I file a complaint through this agency in their response to me. 
I consider this a personal offense to my good name and credit rating and I will not have it. I am well aware the chances of DFS and or Comenity Bank retracting this remark are nearly XXXX. However, it is my right to complain and continue to seek a resolution or besmirch DFS and Comenity at every opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments being furnished on consumer reports are illegal according to 15 USC 1681a 2d ( a ) ( i )
Product: Credit card

My credit card from XXXX XXXX was closed by the issuer. Reason stating my payment had be late multiple times since opening the card. This type of card generally has to be paid off when due each monthly. However I signed up for a feature in early XXXX that allowed purchases over {$100.00} to be amortize over time. I received an email on XX/XX/XXXX that advised my payment was late. I immediately called XXXX XXXX around XXXX XXXX, as I was in the airport on my way out of the country. I was told yes I was enrolled in the {$100.00} program, but it was not processed for XX/XX/XXXX. The agent advised he set it up for that month and I would not have any issues with future billing. He told me I only owed something like {$34.00} and I could pay it when I came back to the XXXX. I paid what was due on my next bill and planned to do the same amortize the charges over time. I was surprised to receive an email on XX/XX/XXXX advising my account was being cancelled. I immediately called XXXX XXXX and was told I was given incorrect information and there was nothing they could do at the time. They apologized and said the agent did not put notes in the file. At this time my account remains closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : used two free tools on Rocket Mortgage website Began receiving notifications of credit pull XX/XX/XXXX, became aware it was a hard inquiry on Monday XX/XX/XXXX Found unfamiliar loan associated with log in on XX/XX/XXXX Contacted support and asked them to provide any record of FCRA consent and/or copy of my application. Support was unable to view or locate an application for my account although they could see I had a loan associated. Support asked if I would like to speak to a research specialist and I declined as the multiple calls I'd received already today made me suspect the " research specialist '' would be making sales pitches. I told Support I would prefer they log my complaint as a FCRA exposure and disconnected.
Product: Mortgage

XX/XX/XXXX escrow analysis compared to XX/XX/XXXX escrow analysis is difference of {$200.00} in " projected '' taxes and insurance. Monthly payment based on XX/XX/XXXX escrow analysis {$790.00} - Monthly payment based on XX/XX/XXXX escrow analysis is now {$940.00}. 
I called Carrington XX/XX/XXXX regarding why my payment went up so much and they told me XXXX that my insurance double billed- once in XX/XX/XXXX and once in XX/XX/XXXX ( i called insurance and this is not correct ) XXXX then they told me that my payment was increased due to my escrow was in a negative balance My escrow balance was a larger negative amount in XX/XX/XXXX but my payment did not change at that time. 
I spoke with customer advocate on XX/XX/XXXX and was told it was because my escrow was negative and because they forecasted for another year they changed my escrow payment and added {$180.00} to my monthly to " cover '' this projection. Although my escrow balance was positive in XX/XX/XXXX and then only went negative after insurance/taxes were paid. I was meeting my minimum escrow balance requirement of {$520.00}. 
The advocate also told me that if I pay {$2200.00} now that will " fix '' my issue and my escrow will be correct. Then I can still pay $ 261 monthly and have my balance even out in XX/XX/XXXX Then they told me the reason my payment went up was because my insurance used to get paid annually in XXXX but for they past two years it was paid in XXXX. 
I continually asked the advocate why if XX/XX/XXXX by escrow balance was essentially exactly the same, and my payment was {$790.00} but in XX/XX/XXXX suddenly my payment was {$940.00} and he just said well I know I won't convince you that we are right but you just have to pay what we said. Our math is always correct. 
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Product: Bank account or service

PNC allowed XXXX XXXX XXXX to steal over $ XXXX from my business account by approving his access. ( I 'm the only legal signer. ) There was a huge investigation, indictment and his guilty plea to a XXXX theft charge. Despite the admittance of his guilt, PNC does not want to return the money they allowed him take. 
In the process of waiting for his trial, I got another call from the police. This time they found my PNC documents on site of a raid for a Identity thief ring with all of my personal information. ( Name, address, SS #, Date of birth ). I 've recently recieve a letter from the Department of Justice advising of my victim 's rights on that case. Despite them allowing XXXX XXXX XXXX to take money out of my account and allowing my personal documents to be stolen, they still defaulted my commercial loan that I made attempts to stay current on as well as paying on the credit card that XXXX XXXX XXXX pled guilty on abusing. My business was never allow to benefit from the loan because XXXX XXXX XXXX was allowed to steal the money directly from my business account. Just yesterday they sent an appraiser to my office to prepare for an online auction of all my equipment. I just want to make the public aware of what can happen when you are too small to fight against someone as big as PNC. I 'm asking for help.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Date openedXXXX XXXX # XXXX - Date XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$720.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - BALANCE {$130.00} - Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$680.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  BALANCE $ XXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX - BALANCE {$180.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - BALANCE {$1200.00} - Date opened XX/XX/XXXX NATIONAL XXXX XXXX XXXX XXXXXXXX - BALANCE {$180.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$740.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$520.00} - Date opened XX/XX/XXXX XXXX # XXXX - BALANCE {$6800.00} - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$3400.00} - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$310.00} - Date opened XX/XX/XXXX Unauthorized inquiries 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 XX/XX/XXXX
Product: Mortgage

MY CLIENT AND I HAVE BEEN DILIGENTLY WORKING TO PROCESS A SHORT SALE WITH US BANK, AND HAVE HIT MULTIPLE ROAD BLOCKS, DUE TO US BANKS IN ABILITY TO REVIEW, COMMUNICATE IN A TIMELY FASHION. AS WELL AS DELIVER FALSE INFORMATION REGARDING OUR REVIEW. PLEASE SEE ATTACHED. I HAVE ALSO REACHED OUT TO FHA NATIONAL SERVICING CENTER FOR ASSISTANCE REGARDING THESE CIRCUMSTANCES, THAT ARE FORCING MY CLIENT INTO A FORECLOSURE/SHERIFF SALE.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX Balance Owed XXXX {$330.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent Account Information : Account Type : Credit Account Account Number : XXXX Alleged Balance : {$9700.00} I am submitting this complaint to report a case of identity theft involving the OneMain Financial account associated with Account Number : XXXX and an alleged balance of {$9700.00}. This account was fraudulently opened and/or used without my consent or knowledge, and I am not responsible for the debt associated with it. I have no affiliation with OneMain Financial, nor did I authorize the creation of this account. 

The fraudulent account has been reported on my credit report by the three major credit bureaus ( XXXX, XXXX, and XXXX ) without my knowledge or consent. This action violates my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), my rights to fair credit reporting under the Fair Credit Reporting Act ( FCRA ), and my rights under the Fair Debt Collection Practices Act ( FDCPA ). These actions have damaged my credit, caused financial distress, and violated my personal privacy.

Violations : 1. Violation of Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 : My non-public personal information ( NPI ) was shared with OneMain Financial and the credit bureaus without my consent, violating my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). I did not authorize the use of my personal information to open this fraudulent account, nor did I receive any notice of such usage or disclosure.

2. Violation of Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : The fraudulent account, along with its alleged balance, has been inaccurately reported to the credit bureaus. Under the FCRA, I have the right to dispute fraudulent accounts, and I did not consent to the creation of this account. The presence of this fraudulent account on my credit report is damaging my creditworthiness and violates the FCRA.

3. Violation of Fair Debt Collection Practices Act ( FDCPA ) : If this fraudulent account has been referred to third-party debt collectors, I request that any collection activity related to this account cease immediately. Under the FDCPA, debt collectors are prohibited from pursuing fraudulent debt and must validate the debt upon request. I have not applied for or authorized any debt with OneMain Financial, and I request that the debt be validated or dismissed if applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX on XXXX on XX/XX/2022 using a loan from XXXX. The bag arrived with staining and a strong smoke order that wasnt disclosed at the time of the sale and was missing the crossbody strap. I contacted XXXX about being refunded they said for me to file a claim with XXXX but when I contacted XXXX  they said that XXXX would have to file the claim as they didnt send a bag to me with staining, smoke odor and missing strap. They eventually agreed to refund me after I posted on their social media pages several times as long as I sent the bag back to them. I sent back the XXXX XXXX bag and the XXXX tracking number is XXXX. XXXX said a pink bag was in the box and included a blank picture attachment to the email and mailed me back a pink purse denying my refund. I did not send them a pink purse so I sent it back to them ( tracking # XXXX ) because that is not what I sent to them and they never sent anything back. XXXX ruled in the merchant favor. The merchant kept the XXXX XXXX XXXX I sent them and is making me responsible for paying for merchandise that I no longer have. I contacted XXXX asking for copies of documentation provided from the merchant in regards to the dispute and they refuse to explain to me how the dispute was closed in the merchant favor being I shipped the item back to them and then refusing to process a refund. Now Im stuck with a loan that I dont even have the merchandise for.
Product: Debt collection

CONFIDENTIAL : I filed a cusumer complaint ( Complaint XXXX ) with the Consumer Financial Protection Bureau regarding a charge that was supposedly settled and still appeared on my American Express account. By me contacting you, they retaliated against me for filing a complaint by changing their opinion of the disputed charge in a letter dated the same day it was provided to you. The letter had numerous false claims and than ruled in the vendor 's favor with no new evidence. I have numerous letters where they ruled in my favor I guess today 's consumer have no protection This has been going on since Mid-XXXX XXXX.I been doing business with American Express since XX/XX/XXXX. They are not providing any respect to or organization back having someone above a high school education or recent college graduate that tries to be the hero by writing a letter to me reversing the decision. For your information, I am a XXXX XXXX XXXX XXXX XXXX  with a XXXX and XXXX   degree being in business for 31 years. I hope they realize they are dealing with someone that is highly knowledgeable and educated. From this incident, it appears, the CFPB is working for the big corporations rather than the citizens of this country. Please prove me wrong. Sincerely, XXXX XXXX
Product: Mortgage

We were in the modification process with XXXX XXXX  when it was sold to M & T Bank in XXXX of XXXX. The modification process continued with M & T Bank via XXXX XXXX XXXX. It took M & T Bank/XXXX XXXX XXXX an extreme amount of time to process this modification. The modification was completed on XXXX XXXX. The closing cost was {$14000.00}. The was no detailed breakdown of the closing cost given. The costs were identified as interest, costs an expenses. On XXXX XXXX a late fee refund of {$620.00} was returned to us. We called an wrote to M & T Bank & XXXX but could not get the details needed to explain what we were charged for processing this loan. 
A second modification was processed with M & T Bank/XXXX XXXX XXXX on XXXX XXXX. The closing costs for this modification totaled {$11000.00}. We had the exact same problem of not obtaining details of the closing costs of this loan. On XXXX XXXX, due to a " M & T quality review '', {$3100.00} and {$380.00} was returned to us due to an overestimation of fees and costs.Still, M & T Bank & XXXX refused to give us detailed information in reference to the closing of this modification. 
In XX/XX/XXXX, we filed a complaint with XXXX XXXX to get closing cost details of both modifications ( Case # XXXX ). XXXX XXXX could not obtain details of the closing costs. 
All settlement companies that I have ever delt with, supplied details of the closing costs. We have been trying for years to obtain this simple information. 
I suspect that the costs of the first loan were also overestimated. How would I ever know without M & T Bank & XXXX reveling the details of both loans?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report score with data collected by XXXX, Equifax and XXXX XXXX currently is not an accurate representation of my credit practice and behavior.
Product: Checking or savings account

I opened a ING Direct savings account around XXXX. At the time it maintained one of the highest interest rates available for a savings account. This account was transferred to Capital One around XXXX and became a Capital One 360 Savings account. Capital One has upheld INGs reputation of competitive interest rates since then. I checked its interest rate today and found it is 0.3 %. Capital One has a Performance Savings account which lists a 3.4 % interest rate on its website. This account appears to differ only in name from my savings account. This feels like a bait and switch. Capital One indicates they no longer offer the type of account I hold. At no point has Capital One ever communicating they were changing the status of my account, or that they were changing their account names to offer more interest elsewhere.
Product: Debt collection

On XX/XX/year>, I mailed LVNV Funding LLC a letter requesting DEBT VALIDATION per the XXXX XXXX XXXX. My records show that LVNV Funding LLC received the DEBT VALIDATION letter on XXXX XX/XX/year>. The original correspondence was not a dispute but rather a DEBT VALIDATION letter pursuant to the XXXX XXXX XXXX. They had 15 days according to Sec. XXXX ( d ) ( XXXX ) to remove the tradeline from all three credit reporting agencies, including XXXX, XXXX and XXXX.