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

XX/XX/2020 - I purchased an item from XXXX XX/XX/2020 - I returned an item to XXXX XX/XX/2020 - Item arrived at XXXX XX/XX/2020 - Contacted XXXX regarding a refund and why I haven't gotten a response yet. 
XX/XX/2020 - Contacted XXXX again sending additional proof that I sent my item in along with a signed affidavit that XXXX made me sign. 
XX/XX/2020 - Attempted a charge back with Bank of America because XXXX refuses to refund me despite item arriving. 
XX/XX/2020 - XXXX contacts me asking why I started a charge back, XXXX later tells me to not worry and let the charge back to go through. 
XX/XX/2020 - Bank of America closes claim and re bills my credit card.
Product: Debt collection

These people were contacted by me as well as XXXX they had no information also told me this debt was well over 7 years old I am the victim of if theft this is fraud and they said they were disputing it over 60 days ago yet nothing has happened I even mailed them a is theft affidavit they still try to collect fraudulent account money 's
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXXT ACCOUNT # XXXX AND XXXX XXXX XXXXXXXX ACCOUNT 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. CONGRESS MAKES IT CLEAR THAT I HAVE A RIGHT TO PRIVACY AS A FEDERALLY PROTECTED CONSUMER! YOU CONTINUE TO VIOLATE AND DISRESPECT MY RIGHT TO PRIVACY WHICH IS A DIRECT VIOLATE OF THE FCRA AND THE GRAMM-LEACH BLILEY ACT . I DID NOT CONSENT OR AUTHORIZE FOR YOU, OR THE PEOPLE MENTIONED BELOW TO USE OR SHARE MY NONPUBLIC PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$510.00} ; XXXX XXXX XXXX  XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$410.00} ; XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you of fraudulent accounts and inquiries on my credit file, resulting from a data breach and identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ) to request the immediate blocking and deletion of the following fraudulent items from my credit report. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

DISCOVERS VENDOR ; XXXX MISREPRESENTED THEIR PRODUCT AVAILABLE FOR SALE. I PAID THE XXXX BY DISCOVER CARD UP FRONT FOR THE MERCHANDISE. TWO WEEKS WENT BY SO I CALLED THEM TO ASK WHEN THEY WERE DELIVERING TO ME. THEY STATED THEY WERE WAITING FOR ME TO CALL, THEY DID NOT HAVE THE PRODUCT I NEEDED. THEY SAID THEY WOULD SUBSTITUTE ANOTHER TYPE OF MATTRESS. THAT WAS NOT ACCEPTABLE. AND, WHY DID N'T THEY CALL ME WITH THIS ISSUE. TO ME THIS IS A BAIT & SWITCH SITUATION. I WAS DISTURBED BY THEIR DECEPTIVE BUSINESS PRACTICE SO I TOLD THEM TO CANCEL THE ORDER. THEY TOLD ME THEY WOULD NOT CREDIT MY DISCOVER CARD, THEY WOULD ONLY GIVE ME A STORE CREDIT. THEY LIED TO DISCOVER AND TOLD THEM EVERYTHING I ORDERED WAS SPECIAL ORDER, WHEN IN FACT THEIR SALES GIRL TOLD ME EVERYTHING WAS IN STOCK. THEY ARE A CLEARANCE CENTER. MY HUSBAND HAS A XXXX PROBLEM AND HAS BEEN OPERATED ON ( XXXX ) TIMES. WE HAD TO GO TO ANOTHER COMPANY TO PURCHASE A BED TO CONFORM TO HIS NEEDS. DISCOVER ORIGINALLY CREDITED OUR ACCOUNT {$1200.00}. THEY THEN REVERSED THE CREDIT AND SAID THEY HAD NEW INFORMATION AND SIDED WITH THE VENDOR, ( WHAT NEW INFORMATION AND FROM WHOM? ). DISCOVER FOR A XXXX TIME CREDITED OUR ACCOUNT, ADVISED US NOT TO CHARGE ANY MORE ON THAT CARD, DISCOVERS RECORDED LINES STATED THEY SAID THEY WERE CANCELLING THE CARDS SO THE XXXX COULD NOT PUT CHARGES BACK ON OUR ACCOUNT. THEY SENT NEW CARDS AND FRAUDULENTLY STATED THIS WAS TO REPLACE LOST OR STOLEN CREDIT CARDS. THEY AGAIN REVERSED THE CREDIT OF {$1200.00} AND CHARGE IT TO THE NEW CARD. THE NEW CARDS THEY SENT HAVE NEVER BEEN ACTIVATED BY US. WE THEN PUT A COMPLAINT IN WITH THE ATTORNEY GENERALS OFFICE ON XXXX/XXXX/2015. I HAD NOT HEARD ANYTHING ABOUT THE COMPLAINT SO I CALLED THE AG OFFICE ON XXXX/XXXX/2015 IN RHODE ISLAND. I SPOKE WITH XXXX WHO INSTRUCTED ME TO THIS SITE TO PUT IN MY COMPLAINT. THIS PROCESS HAS BEEN GOING ON FOR MANY MONTHS. TO THIS DATE WE HAVE NO MERCHANDISE AND NO CREDIT FROM DISCOVER CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE. IT'S ILLEGAL TO REPORT THESE LATE PAYMENTS ON MY CREDIT PROFILE.
Product: Mortgage

I obtained a mortgage loan from Wachovia Bank in 2008. This loan was transferred to Wells Fargo when they purchased Wachovia. In response to a complaint filed, I was recently sent all closing documents related to this loan. However, there were XXXX pages received that were not provided to me with other loan documents at time of closing. Upon review, I noted that the page with the initials are fraudulent, and the notary seal does not contain all the information required by the State of Mississippi. Requirements for Mississippi notary seals can be found at : XXXX ( See page XXXX, Rule 5.20 ) Considering other discrepancies previously identified in the original mortgage documents and the invalid notary seal, the loan should be deemed null and void
Product: Mortgage

Stearns and Lending refuses to apply my payment when my bank electronically sent them the money. They also refuse to return my calls, hang up on me, do n't reply to my questions via email and will not take the late charge off of my account ( even when an employee with Sterns confirmed my payment on time ) ( See notes attached ). My next payment will either be underpaid or sent back due to me not paying the late charge. My credit score is over XXXX and if it did n't cost to refinance I would. I have had several other mortgages throughout the years and have never experienced anything like this.
Product: Prepaid card

Nothing happened yet, because I have not activated the card due to excessive fees associated with activating and using it, A pooled trust company, XXXX XXXX XXXX, orders the card for me to pay XXXX related expenses. This card replaced the previous card which had no expenses associated with it. 
If needed I will file a complaint separately with the state of NY Dept. of Finance & taxes.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX along with their total loss department know that as a federally protected consumer, I was opting-out of any and all authorization given to report any information given to any third party. That I the consumer have given them written/ unwritten- verbal/nonverbal per 15 USC 6802 effective immediately and indefinitely!

However they have failed to do so in multiple attempts of me contacting them submitting this request even though I was told by the two of the representatives that they had in fact submitted my request. With them failing to do so has took a toll on my credit score damaging my reputation unforeseen future credit extension as a consumer to get to get things I need.
Product: Debt collection

I received a debt collection letter from the CBE Group Inc, a third party debt collector for XXXX. They said I owe {$210.00} as of XX/XX/XXXX which is entirely false. I switched over to XXXX back in XXXX and left the XXXX account under my name because a family member was still active on my account and as I was told on multiple occasions by a few XXXX customer care agents , all rewards including promotions will be lost on the account if I decide to change the account holder name. They've also switched over to XXXX back in XX/XX/XXXX. This is where the deception begins. XXXX sold the account to CBE Group Inc once my family member left XXXX and switched over to XXXX. I didn't receive notice about a bill until yesterday when I checked my mailbox and seen a letter that was sent from this third party debt collector affiliated with XXXX. I also want to address that XXXX never sent me a final bill, they sold the account soon after and now CBE Group Inc wants to collect a debt from me that is not owed for the amount stated. I know my rights as a consumer and I do not owe this company a single penny. My family member 's phone was unlocked after 60 days and they waited 14 months to switch to a different carrier due to problems with billing and their data being leaked. It's their right to switch carriers if a phone is unlocked but the remaining balance would have to be paid. And I will reiterate, a final bill was never sent to my current mailing address. I also have a witness at XXXX who made the transfer in-person and they assisted my family member to pay all fees upfront including the remaining balance with XXXX because it's not possible to upgrade without settling the remaining balance on the previous device. I will be disputing this debt collection to all three major credit bureaus. They've closed the account as of recent and came up with their own numbers.
Product: Checking or savings account

I was issued a check from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The commission check in the amount of {$5000.00} U.S.D. was deposited into my J.P.Morgan Chase Checking Account on XX/XX/XXXX. The Check Cleared the XXXX XXXX and the funds were available on XX/XX/XXXX. No Problem.

On XX/XX/XXXX I notified the XXXX Branch Bank Manager XXXX XXXX that there was Fraud on my Chase Checking Account in the Amount of {$5000.00} U.S.D. That there was an International Debit-Online Transfer that was not authorized and this was a Fraudulent Transaction. I closed the checking account that day with XXXX XXXX and opened up a New Checking Account with Chase on XX/XX/XXXX. I have since been put into International Collections and there has been no proof from J.P.Morgan Chase as to where the funds were transferred to? No copy of a wire transfer confirmation. Nothing showing the routing information for the proof of where the funds were sent. Chase is claiming that the check from XXXX XXXX XXXX was returned for NSF. I have been in constant contact with this company who I have done business with for over twenty years and they have confirmed that the check was cleared on XX/XX/XXXX from their account and their Bank has never requested the funds be returned or have they ever received any funds back from this Fraudulent J.P.Morgan Chase Transaction. No One at Chase seems to care where the funds were wired to or if they were received and by who? I have a long email string with XXXX XXXX-Chase and XXXX XXXX-XXXX XXXX who has produced two documents from their bank Desjardins showing the check was cleared and processed on XX/XX/XXXX. I need J.P.Morgan Chase Bank to return the Funds I have in the closed checking account along with the fees I have incurred from other banks for missed automatic payments that have been set up on the chase checking account. I have had this Chase checking account since XX/XX/XXXX with no problems. And as soon as I do have a Fraud Alert for them they have no interest to help me and that is why I am asking for your help. Thank You. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that my date on delinquency is incorrect and it been more than 7 years on my Credit Report. Re-aging my account is illegal and this needs to be corrected as soon as possible. I tried resolving this issue with XXXX and I haven't get any response and issue was never resolved. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. : Furnisher : XXXX Account Name : XXXX XXXX Account Number Ending # : XXXX and XXXX and XXXX and XXXX Please investigate and provide Proof with statements showing the accurate date of delinquency. If proof can't be provided I demand these to be updated to the correct date as they should be. Re-aging any account is illegal against the law. causing me damages to my Credit Report. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXXXXXX acc reporting wrong info the open dates are wrong acc status one report says closed the other says paid date late one says XX/XX/XXXX the other says XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX the other XX/XX/XXXX balance XXXX the other says XXXX past due XXXX the other XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX the other XX/XX/XXXX XXXX XXXX Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other say XXXX last reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date of last payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other XXXX credit limit XXXX XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX Date of last payment XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have an open auto loan account showing on my credit report through XXXX XXXX XXXX with a balance of XXXX XXXX account is closed and should show {$0.00} balance
Product: Credit reporting or other personal consumer reports

About 10 years ago, someone broke into my vehicle and stole my wallet with my license and other important information about me. I did file a report years ago and I did get a copy of my license and other information that was stolen from me. I didnt know how important Having credit was back then and now Im being affected by it. Im receiving letters about data breaches that multiple companies have been having for over a long time. Not knowing that I was supposed to report it to CFPB I have various addresses showing on my credit report that I never lived and its impossible to live that many places at times my name is reported spelled incorrect it clearly theres no investigations has been going on. Today Im reporting because this has caused so much hardship troubling through my lifetime trying to achieve a better life and more of life with the data breaches that has been going on continuously over the past few years which I had no knowledge of, but I would always receive letters in the mail and disregard but now after receiving so many of them I had to look into this and see how far and what the issue so clearly its a big issue thats affecting me and my family livelihood. XXXX attached the documents thats needed for this report. Thank you.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my rights. 

I looked at my TRANS UNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit card

After my latest complaint about this credit card with CFPB I decided not to use this card anymore. Reward balance at this point is {$160.00}. When I tried today to transfer that balance to my and my husband 's Citizen 's bank account I faced poor customer services. When I dialed " customer service '' number I got to the fraud department instead of customer service. When I was transferred to the customer service and talked to a person by name XXXX I was told that fraud department put a freeze on my credit card and the transfer could not be made!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been using Wells Fargo to make all of my bill payments. I set up my XXXX XXXX XXXX payment to pay XXXX monthly beginning on XX/XX/21. The Wells Fargo system automatically converted the payee to XXXX XXXX and would not allow me to alter and their system says this information was provided by payee so I proceeded to set up reoccuring payments. All of my payments were processed fine until my XX/XX/21 payment. When XXXX told me they had not received check I reported to Wells Fargo. Wells Fargo returned the bill pay check to me stating it was made to the wrong company and I received a late fee from XXXX, I called Wells Fargo to resolve issue and they said I set up account to pay wrong payee. Wells Fargo system does not allow you to change name of payee after original set up. So I went into set up another recurring payment to XXXX manually and the system automatically converted it to XXXX XXXX XXXX XXXX instead of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$780.00}.