23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I submitted disputes for fraudulent charges for a company called XXXX on my account. On these charges it has listed a phone number of XXXX which is clearly an invalid phone number which is also pictured in the receipt provided by Discover. Originally Discover sent me notices telling me the fraudulent charges were deemed an error and the credit was permanent. Later I receive a letter as of today XX/XX/XXXX telling me the same reasons of the other fraudulent charges denial. Inconsistent information provided during investigation - only spoke to Discover once on these charges. Second reason was transactions do not indicate fraud and third reason was transaction is going towards a service or account that benefits the account holder. I called Discover to ask for documentation proof of account or service benefiting account holder and documents used Discover sent back a receipt that shows the XXXX phone number but it doesnt show a signature. It also does not show that I benefitted from this company. In fact I contacted the merchant first to let them know someone had stolen my information and the same day reported it to Discover also. I have not done business with this merchant ever in the past, and I have not received any funds or service from this merchant. I did not agree to their terms, and I did not sign any receipts or agree to purchase any service from this company. The company agreed it was fraud and yet Discover is now stating they will be deducting the credits from my account XX/XX/XXXX based on the receipt they got from the merchant. All the receipt shows is the card number. No signature and no proof of these transactions EVER being authorized. Im not even sure what this company is but it seems like a scam site. My card number was never provided to This company. Discover did not provide sufficient evidence stating these transactions benefited or were authorized by card holder. A receipt that is not signed showing the last 4 of the card does not Indicate these were authorized at any point. I did not receive funds from fortuneco and I did not sign up for any service with their company. This is true fraud and Discover provided proof I didnt authorize these but yet provide false denial reasons to side with the merchant. Holding the customer responsible for FRAUD. I have attached the receipt along with an email sent to this merchant advising of the fraud. This should be investigated and the merchant should be responsible for fraudulently charging my acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion to remove a bankruptcy from my report and they said they were given information by the courts. I wrote the court and asked them if they provided transunion with my information and they replied that they did not. The report has been removed from XXXX  and XXXX. I sent a copy of the letter to them and it still has not been removed.
Product: Checking or savings account

I was incorrectly charged a {$5.00} " XXXX XXXX '' on my business checking account for a " printed statement '' that I didn't ask for. Apparently, the bank defaults all accounts to these paper statements and charges customers $ XXXX for the printing fees, which is straight-up fraud. There were no clear disclosures about this practice anywhere in the account set up process. I wasn't using this account and definitely didn't need a statement printed and I certainly would never have paid {$5.00} for it either. I already tried to resolve this with the bank directly and they refused to refund the money they stole from me. This is not ok. I need reparations!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This dispute concerns several accounts with false information, specifically discrepancies in the " Date of Last Activity '' and " Closed Dates '' on closed and charged-off accounts, AS WELL AS reporting late payments on " Charged off '' accounts. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2. The conflicting dates and transaction history shows that FALSE information was KNOWINGLY given to XXXX, Experian, and XXXX and should be removed immediately. 

FCRA 15 USC 1681s-2 a ( 1 ) ( A ), consumer reporting agencies, ( including XXXX, Experian, and XXXX ) have a duty to report accurate information. It has come to my attention that this duty has not been fulfilled.

Furthermore, FCRA 15 USC 1681s-2 a ( 1 ) ( B ) states that once a consumer disputes the accuracy of information, the consumer reporting agency has an obligation to investigate and correct any errors. Despite my repeated attempts to dispute and correct the inaccurate information on my consumer report, your agency has failed to take the necessary steps to rectify these errors.

FCRA 15 USC 1681s-2 a ( 2 ), which emphasizes the duty of consumer reporting agencies to correct and update information promptly. In this regard, your agency is in direct violation of this provision by persistently failing to correct the false information on my consumer report.

These ongoing violations have caused me significant distress and anxiety, adversely affecting my ability to obtain credit, housing, and a better quality of living for my family and me. 



" Date of Last Activity '' and " Closed '' dates are incorrect XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrged off account reporting late payments XXXX XXXX XXXX  XXXX Deleted Deleted XX/XX/XXXX XXXX Closed Deleted Deleted XX/XX/XXXX Accounts deleted by XXXX and Experian, charge off reported with late payment XXXX XXXX XXXX XXXX Deleted Deleted XX/XX/XXXX XXXX Closed Deleted Deleted XX/XX/XXXX Accounts deleted by XXXX and Experian, charge off reported with late payment XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$13000.00} Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$2500.00} Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Deleted XX/XX/XXXX XXXX Closed XX/XX/XXXX Deleted XX/XX/XXXX Deleted from Experian XXXX XXXX XXXX DOL XX/XX/XXXX XX/XX/XXXX Deleted XXXX Closed XX/XX/XXXX XX/XX/XXXX Deleted Previously disputed and deleted account, but XXXX and Experian re-entered under different name with false dates reporting XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Charged off account reporting late payments on Experian report XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Charged off account reporting late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported these fraudulent accounts in my report that are damaging my credit. It has been multiple times and few months already, but I did not see any results.
Product: Student loan

I would like to know my private loans have been sold to a third party agency. I have been getting phone calls from XXXX, XXXX, and XXXX XXXX which I would like to know if this is a law firm, as the information that I obtained from XXXX has indicated that they are. However, after listening to the voicemail they stated that they are " customer service representatives, '' which is a clear misrepresentation. Previously Navient sent me a break down of my last student loan payments, however this information isn't clear to me. I would like to have this information sent to me with an explanation, and the exact date of the last payment. Additionally, I would like to know if this debt is time-barred.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are obligated by the FCRA to report accurate accounting. A charge off account from XXXX XXXX XXXX is reporting on my credit report. According to IRS publication 4681 : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. A charge off is considered income by the IRS and income does not suppose to be reported on my credit report. I never received my copy of the 1099-C. Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This particular charge off account show inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called Barclays to defer my payment, which they approved my request. To my surprise in XX/XX/2020 I realized they had reported my account 30 days late for XXXX XXXX. I called them to correct their mistake but they werent willing to help. XX/XX/2020 I decided not to continue to do business with Barclays, paid off my account in full and closed it. I had that account 1 year and never missed a payment. I called requesting to defer my payment as I work in the travel industry and due to Covid -19. I was not certain what will happen with my job. Please help me correct this unfortunate situation as Barclays are not being responsible for the lack in service.
Product: Debt collection

This company by the name of XXXX has contacted my family members without my permission and has also contacted me multiples even after I requested them to cease and desist with the calls. This mishap started around the week of XX/XX/XXXX. When I asked who the company was they only stated the above XXXX XXXX. I asked what did the matter pertain to and they didnt say only asked was a name. Since I have no meaningful relationship with this company nor do I have any recollection of receiving services or goods, or even partook in commerce with this company I asked them to stop calling my self and any numbers related to my information they obtained without my written consent, which in my eyes constitutes identity theft per consumer definitions, and the lady stated my number is deleted and I will receive no more calls. Well, on XX/XX/2018 I received another called in which I told the lady on the other end that I have already requested your company stop calling me previously and that your company is now in violation of the FDCPA.
Product: Money transfer, virtual currency, or money service

I made a wire transfer of {$430000.00} yesterday from XXXX XXXX XXXX XXXX ( XXXX  ) to Citibank to my fathers account. XXXX stated that the funds left my account on XX/XX/2020 at XXXX. As of XXXX on XX/XX/2020 the funds were not placed in my fathers account. I believe Citibank is holding the funds for some reason and not crediting them to my fathers account. He needs this money to pay NYS taxes. The reason for the wire transfer was so that he could have access to the funds immediately.
Product: Payday loan, title loan, or personal loan

They state a scheduled payment plan, but they don't tell you that there's daily interest incurred so that you never actually pay off the loan in a fair and reasonable manner. They don't even state how much interest you incure daily anywhere on your account profile or in reasonable contract areas in bold. They also have a glitchy scroll option when reviewing terms and signing things I feel are to disscourage you from reading in depth the fine print before signing off on predatory loan contracts and deals with them.
Product: Mortgage

On XX/XX/XXXX I called New Rez to indicate that we wanted to fully pay off our mortgage before the next billing cycle. They sent us an email that indicated how much would be due if we paid on XX/XX/XXXX. Upon reading the document I noticed a per diem charge, and so we decided we would pay in full on XX/XX/XXXX to avoid the per diem charges. 
When I called XX/XX/XXXX to initiate payment, the representative on the phone said that I should just disregard the per diem note as there would be no difference in price if I paid on any day up to XX/XX/XXXX. With this I decided to forego payment temporarily. 
I called again on XX/XX/XXXX to initiate payment, and the representative said that I had been misinformed as there was in fact a per diem charge, so I decided to pay right away. She did not inform me, though, of the XXXX cutoff for payment until I called back to inquire about this later in the day. The XXXX cutoff meant I would have to defer payment for another day. 
I paid off the mortgage in full on XX/XX/XXXX, and then wrote a letter of complaint ( attached ) to XXXX XXXX, the President and CEO of NewRez for the inaccurate and misleading statements made by his customer support team. My letter was completely ignored.
Product: Mortgage

I purchased my home XXXX/XXXX/2015 with BMO Harris Bank with the condition that my loan would be sold to XXXX Bank with in 90 days due to me having a XXXX down payment assistance loan with XXXX and XXXX XXXX is servicer along with my loan being an FHA. Come to find out I was still signing paper work after my closing due to neglect that was left out of my closing paperwork. Now, in XXXX. I was told they put the wrong interest rate on my closing paper work. Should have been 3.75 % and they had 4.25 %. So to cover themselves they wanted me to sign a modification stating I was in default on my mortgage and I was having trouble paying my mortgage! This was fraud! This I did NOT sign. I did sign an agreement to have the interest rate changed to 3.75 %. Now I have been sending my XXXX payment to XXXX XXXX as XXXX dose not deal with BMO. This has been going on for a year. Now I was told XXXX XXXX refused to buy my loan due to numerous errors on my mortgage. So now I am stuck with BMO Harris and all the errors that keep happening. One example is I make my mortgage payment and add additional to escrow and tell them to apply it to escrow and they put it to the principal every time. I then contact them and it takes days for them to fix. This happens every time. Also I was told by XXXX ( XXXX ) that BMO fronted the money for my down payment assuming they would sell my loan to XXXX XXXX and now that it did n't happen I have to pay BMO back and not them. XXXX is taking the terms and conditions of my XXXX loan and using this to be paid back. No money was ever exchanged between XXXX, XXXX XXXX or BMO. This is not what I agreed to. None of this is. I have requested all of my mortgage paperwork form BMO including what was sent to XXXX XXXX. Some of the paperwork I did n't have and they do n't have a lot of what I have. But there are a few pieces of paperwork that stand out. One was my interest is supposed to be 3.50 % for and FHA loan which I have and a conventional loan is supposed to be 3.75 %. Also the cover sheet I have that was supposedly sent to XXXX XXXX stating they were selling my loan to them had the interest rate of 4.25 % on it! This is just a quick over view of what has been going on for over 15 months and keeps continuing. All the errors just wo n't stop. I have talked to numerous people about this, asked to talk to someone at corporate and I get nothing but a run around. I have a XXXX page time line of all the errors and mistakes that I have given to numerous people at BMO and still nothing is being done. Being a first time home owner I will never do this again. I have all paperwork and over 200 emails to back up all that I have stated if you need them.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication
Product: Credit reporting or other personal consumer reports

I've sent dispute letter to the credit bureaus in XX/XX/year> asking them to delete address and names that do not belong to me. They have never responded or removed this inaccurate information for my report.
Product: Debt collection

I cancelled the account with XXXX and the mode of payment ( XXXX ) which was used - months in advance of the annual renewal. Then I received a call from the debt collection agency- XXXX XXXX [ XXXX : XXXX ]. 

I followed up with proof ( XX/XX/22 ) that I had requested the account being cancelled ( per their process ) and am still being told I need to pay for a renewal on an an account I did not use for half of the duration. Additionally, despite repeated attempts to cancel the the dormant account, I still have not received confirmation and expect them to continue this practice next year.
Product: Credit reporting or other personal consumer reports

The United States Code ( USC ) is a compilation and codification of the general and permanent federal laws of the United States. Title 15 of the United States Code covers various aspects of commerce and trade, but it does not specifically regulate late payments. Late payments and related issues with creditors are often governed by individual state laws and regulations, as well as the terms outlined in contracts or agreements between parties.

If you are facing issues related to late payments and you're seeking legal information or assistance, it's recommended to consult with a legal professional. They can provide advice tailored to your specific situation and applicable state laws.

In general, late payment provisions and related regulations can be found in state laws, and consumer protection laws may address issues such as unfair or deceptive practices by creditors. Additionally, the terms and conditions of your specific credit agreement or contract with the creditor will outline the consequences of late payments, including any fees or penalties.

If you have concerns about late payments or believe that a creditor is violating applicable laws, you may want to review your specific agreement, check relevant state laws, and consider seeking legal advice to understand your rights and options.