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

I began communication with XXXX  in the XXXX XXXX on XX/XX/2021. I was interested in the XXXX XXXX  Double Flap handbag. Initial conversation and any questions I proceeded to ask received a swift reply. After several email exchanges, I began making payments on XX/XX/2021 for the XXXX XXXX Double Flap. The first payment of {$500.00} was sent via XXXX. Due to XXXX having daily limits, I sent the remainder of the deposit via XXXX. I completed my final payment on XX/XX/2021. I continued to follow up on shipping, to no avail. XXXX informed me that the seller had yet to send them tracking, and that they thought it was best to just refund my money. Following which, I agreed and continuously requested a refund, as my emails began to go unanswered. The email associated with my XXXX account was requested several times, and I responded each time with the same email address, which was also the email I responded from the entirety of the conversation exchange. Several days went by with no response. XXXX then informed me they received a tracking number on XX/XX/2021. Once I received the bag, I realized it was a single flap, and not a double flap that was agreed upon, and which I paid for. I contacted XXXX once again and explained this. They attempted to explain it must have been a mix up, however they offered no refund. Since I was responding from the original communication chain, I scrolled up to screenshot the previous conversation exchanges and attached them to my request. After several emails, they agreed to a full refund. I then prepared the bag and shipped it back on XX/XX/2021. Once the bag was received, they explained they must now sell the bag in order to refund my money. I was then told I would receive a full refund by XX/XX/2021. I have emailed numerous times, and even had to be admitted to the hospital due to XXXX  To date of filing this complaint, I have not received a single cent from the {$4900.00} that I paid for the handbag. 

Because XXXX is a " peer to peer '' platform, my bank Wells Fargo as well as XXXX indicated that they can not do anything for me. My bank also indicated that the XXXX transfers were initiated by me and not a mistake that the bank completed, thus once again, I have no solution to the {$4900.00} that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove this fraudulent account from my Consumer Profile XXXX XXXX Date assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my XXXX XXXX  and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX  that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( Transunion, XXXX & XXXX ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of XXXX dispute results from XXXX.
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I woke up today and check my credit report and I seen all those fraud inquiries that shall delete from my credit report. Those inaccurate fraud inquiries were not authorized by me. 

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 XXXXXX/XX/year>
Product: Mortgage

I lost my home to greentree servicing on XX/XX/XXXX due to loan modification process, loan process lingered for 12 months .I have filed XXXX complaints to my attorney general they were no help. I have had this mortgage for 18 years with XXXX year note. greentree deceived me through whole process. I have filed XXXX complaints with CFPB as of today I have had NO response from your XX/XX/XXXX. Regarding lawsuit. I was informed few days ago that ONLY mortgage from XX/XX/XXXX XX/XX/XXXX was quafied for settlement.!!!!! I have been harassed, decived, threaten, when I would fall behind. SO Why only a few have more rights to receive compensation than I?? This is unfair that our govt pick and chose. I have sent all my documents to your agency and would like an answer. I have lost my home with 2 years left to pay. 

Thank you XXXX XXXX
Product: Mortgage

My mortgage holder is XXXX and my bank is Wells Fargo. I make payments to my mortgage via XXXX XXXX, and I make them monthly and on time. My payment for our XXXX mortgage was made by XXXX XXXX at Wells Fargo on XX/XX/21. This is fully documented in my account records and statements. My mortgage holder, XXXX, states that they did not receive the payment. They, however, received the prior payment and the following payment, no problem. These payments were sent to them the identical way. This means that whatever problem occurred happened between when Wells Fargo made the payment to XXXX on XX/XX/21, and when/if XXXX received the payment and/or misapplied it. This means that there was no error on my end in the transaction ; however, since this occurred, both Wells Fargo and XXXX are trying to avoid taking responsibility for the error in payment application. I have made XXXX calls to date, to both Wells Fargo and XXXX, in an attempt to rectify the matter. I have sent a letter to XXXX letting them know that there was an open investigation with Wells Fargo, and that if Wells Fargo contacted them, I would appreciate their cooperation. I have had both Wells Fargo and XXXX on the line on a conference call, and the call ended with both parties accusing the other of the missed payment. It was incredible. I have the dates and names of the parties on that call. I will attempt to resolve the matter with XXXX additional conference call. After that, and the filing of this formal complaint, I feel I'll have no further recourse to protect my interests than to retain legal counsel and sue XXXX for negligence. Because of this, my credit score has been inoridinately affected and I've been sent a notice of default on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my XXXX balance. 
However, it is showing on my credit report as late. I can verify with bank statements that balance is paid off at fall 2015.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance
Product: Debt collection

I asked First Point to verify an alleged debt that they claim I owe to XXXX  XXXX XXXX or remove it from the credit bureaus. They only sent me a copy of a bill. That's all they could send because they don't have any verification. They don't have any verification because I don't owe XXXX  XXXX XXXX ANYTHING! This is ridiculous. This company clearly buys ALLEGED debts from companies not knowing if a person really owes that company. They just want to collect and make a profit from their purchase. They sent a copy of a BILL as verification. Wow.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was included in my Discharged Bankruptcy Docket : XXXX yet they are still reporting an unreleased judgment ( XXXX ) on my credit report and court docket. 
They were, inf act, served a notice of filing. They are affecting my financing and this needs to be fixed asap. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I have reported this as my only name to the credit bureau and it is still not being reflected on my report. I demand that this be the only name reported and all others be deleted. I have attached an utility bill. 

In accordance with the Fair Credit Reporting act the following companies have have violated my rights. 

XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXXXXXX - Account number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX : Account number : XXXX  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. I have not provided permission.

15 USC 1681 ( a ) ( 4 ) Violation of Privacy- Your company did not ensure that this information is accurate, as it is reported differently or not at all on my other reports, and you do not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this the violation of my rights to privacy.

15 USC 1681 ( d ) ( A ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate is whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

after reviewing my credit report, late payments are being reported from XXXX of 2020 until present day. According to the CARES act that was signed into law on XX/XX/XXXX of 2020, late payments for persons financially effected by the pandemic are to be reported as current or compliant.
Product: Credit reporting or other personal consumer reports

The following inquiries on my credit file are a result of fraud. Please remove these hard inquiries. I have also filed a complaint with the FTC which only allowed me to add some and not all 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts or inquires reporting.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 card

I disputed a charge with barclaycard, in writing, over 2 months ago. I have proof of this as I used an online registered mail service, so I can prove I sent the letter and prove the content of said letter. I closed my account a few days ago, and in my final bill they reposted the disputed transaction. When I contacted them they sent form mail telling me to submit another dispute.
Product: Credit card

I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX XXXX XXXX they can get lower interest rates. Why are these not available to the XXXX through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for 6 months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, REMOVE the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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, credit repair services, or other personal consumer reports

I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. 

The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 

2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 

3. This institution is obligated by law to investigate, require proof from the creditor, that validates their record. 

There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to all 3 credit bureaus for the unrecognized inquiries and inaccurate informations.
Product: Mortgage

I was given a Reverse Mortgage by XXXX group in XXXX of 2009 six months after I purchase my home for {$50000.00}. XXXX group or Reverse Mortgage Solutions told me I could do a reverse mortgage for {$100000.00}. I have recently found out that they did a double mortgage on me for {$210000.00} back in XXXX of 2009. I ask Reverse Mortgage Solutions to send me over all documents related to this account in Fair Debt letter but they refused and file forclosure papers after I found out what they had done. Im a senior citizen and I think I may have been a victim of mortgage fraud my house was only worth {$50000.00} when I bought it and no house in my neighborhood as ever sold for {$210000.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a formal dispute with Equifax regarding a debt reported by XXXX XXXX, XXXX. The reported balance of {$14000.00} exceeded the credit limit ( {$11000.00} ) and the charge-off amount ( {$11000.00} ), indicating inaccuracies. I requested that Equifax conduct a reasonable reinvestigation to verify the accuracy of the reported information. 

On XX/XX/year>, Equifax responded with an 'Updated ' status but failed to explain what was changed or how the information was verified. Despite receiving supporting documentation highlighting discrepancies, Equifax did not remove the entry or confirm that the furnisher provided sufficient evidence. Instead, Equifax relied solely on XXXX Bank 's certification without conducting an independent review to ensure accuracy.

Equifaxs actions violate the Fair Credit Reporting Act ( FCRA ) : 1. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). 

2. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ). 

3. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ). 

XXXX. 1681i ( a ) ( 6 ) ( B ) : Failure to provide meaningful notice of reinvestigation results ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ). 

By failing to conduct a proper reinvestigation or remove unverifiable information, Equifax allowed inaccurate information to remain on my credit report, causing harm to my creditworthiness despite my good faith efforts to resolve the issue.
Product: Credit card or prepaid card

Hello, I am currently traveling out of the country in XXXX & kept my Chase Sapphire Preferred Card for this trip specifically given it doesnt charge any foreign transaction fees. However, doesnt seem to be a true statement as the math doesnt add up unless they build the fee into the transaction! For example, I charged an {$11.00} AUD transaction at approximately XXXX this morning, which after 5 minutes/upon arrival of the email confirmation ( set up for all international charges on this card ), I checked the conversion rate & it said the transaction should total {$8.00}, but the charge on my account reflected {$8.00}.  HIGHER than what it should have been, and although not by much, seeing as how Im making several purchases each day for the 3 weeks I am here, and the transactions leading up to this trip, it is a material amount! I was told no foreign transaction fees which I felt the potential annual fee might then be worth it, only to be deceived and them tack it on behind the curtain! Extremely unfair and extremely misleading when the math is not matching and no explanation is given. I reached out to chase support and they only gave a vague explanation and when I gave this exact/specific detail, all communication went silent!
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am submitting this formal dispute regarding inaccuracies reported by XXXX, Experian, and XXXX concerning account XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure accuracy, consistency, and completeness in credit reporting. 

Discrepancies Identified : Inconsistent High Balance : High balance reported as {$270.00} contradicts the secured credit card limit of {$500.00}. 

Missing Verification Dates : Experian and XXXX fail to provide a " Last Verified '' date.

Conflicting Account Remarks : XXXX and Experian list contradictory remarks ( " Charged off as bad debt '' vs. " Dispute resolved '' ), while XXXX adds further discrepancies ( " Account was in dispute - now resolved '' ). 

Erroneous Payment History : XXXX lists 64 instances of being 90 days late, which is implausible given the timeline.

Account Type Variations : Inconsistent classification of the account type ( e.g., " Secured credit card '' vs. " Credit line secured '' ).

Date of Last Activity Discrepancies : XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) report conflicting dates. 

Creditor Type Variations : XXXX and Experian list " Bank Credit Cards, '' while XXXX states " All Banks. '' These inaccuracies violate 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ) of the FCRA, which require accurate, verifiable, and consistent reporting. 


[ XXXX XXXX ] XX/XX/XXXX XXXX
Product: Credit card

I recently opened a capitalOne " savor '' Mastercard. I did so entirely online. After I got the card in the mail, I logged into the same account I used to sign up and they would not let me unless I consented to receive Texts and calls so I called and spoke to XXXX, a supervisor who confirmed that CapitalOne requires consumers to agree to calls and texts for marketing and other reasons as a required condition to use the website - even though I used the website to get the card in the first place.