23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After getting the Amazon Visa credit card, I got a bill for {$77.00} dated XX/XX/XXXX which was from fraudulent purchases made by a fraudster who broke into my Amazon account and illegally used my Amazon credit card to make purchases that went to him, while I got the bill. 

Then on XX/XX/XXXX someone initiated a balance transfer for {$210.00} which was also fraudulent. In fact, I have never ever ever done a balance transfer on any credit card ever in my entire life, and that is how I know for sure that this balance transfer was fraudulent. If I have a credit card debt I pay it off and keep my life simpler for it and my credit rating of XXXX would imply as much. 

Then the credit card company tacked on late fees of {$40.00} on XX/XX/XXXX and interest fees of {$5.00} on XX/XX/XXXX there after. 

Once I saw this fraudulent balance transfer and purchases on my amazon credit card account, I called it in and reported the fraudulent transactions. I was told it would be taken off my credit card bill. Yet weeks later it was still on my bill. I would call again, and again, and again and again and each time they said the fraudulent transactions would be taken off and yet it never came off.

None of these fraudulent bills were dropped, nor the late fees and interest fees.

These monthly tack ons of late fees and interest payments kept going on for months until it reached about {$190.00}. At that point the total amount of fraudulent purchases and late fees and interest fees had reached a grand total of {$480.00}. 

And this bill was subsequently transferred from SYNCHRONY to a collection agency XXXX. 

I think it is completely unfair for them to make me pay for fraudulent balance transfers and purchases, and then late fees and interest charges on top of that. 

I have had at least XXXX credit cards over the last 30 years of my life and I have run into only a handful of cases of fraud occurring on my cards. In the past when I caught the fraudulent transactions on my bill, I would call it in and every other time, those bills were cancelled along with my credit card and I was issued a new card with a new number and that was the end of it. 

It is only on this occasion, with this card, and this company, that for some reason they think that if fraud occurs the victim should be required to not only pay for the fraudsters purchases and balance transfers but also be fined late fees and interest charges if it is not paid off promptly. 

If consumers are not protected from credit card fraud then no one can risk having a credit card. 

If you look at my complete credit card history of over 30 years, I have paid all legitimate bills made on any and all credit cards that I own. This is the only claim I am opposing because I didnt make these purchases and I shouldnt be forced to pay for them. 
I feel the plaintiff should be chasing after the fraudsters who committed this fraudulent balance transfer instead of me. It is for this reason that I have to oppose this claim.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the items, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXXXXXX & XXXX XXXX XXXX
Product: Mortgage

Regarding Residential Credit Solutions ( RCS ), XXXX XXXX, Tx and XXXX XXXX XXXX, XXXX XXXX, SD. 

On XXXX XXXX, 2016 ( Saturday ), I received a letter dated XXXX XXXX, 2016, from Residential Credit Solutions notifying me that my loan servicing was transferring to XXXX XXXX XXXX effective XXXX XXXX, 2016. How can a company make notification that is effectively 9 calendar days ( not working days ) prior to a transfer. I have received nothing from XXXX XXXX as of XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent the letter below regarding the account listed to all 3 credit bureaus. I have not received any information or supporting documentation back. Please assist with this matter since I have tried several times : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute and demand validation of the account listed below, which is inaccurately reported on my credit report by your agency. This account does not belong to me, and I request its immediate removal. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), both of which entitle me to verification and validation of any debt reported. 

Disputed Account Information : Creditor : XXXX XXXX Account Number : XXXX Balance : {$5800.00} Date Opened : XX/XX/XXXX Status : Collection/Derogatory This account is not mine, and it should be removed in compliance with the following legal statutes : FCRA ( 15 U.S.C. 1681 ) The FCRA requires that credit reporting agencies ensure the accuracy of information on credit reports. If the information can not be verified within 30 days, it must be removed from the report. I demand verification of this account, including supporting documents that prove this debt is mine. Failure to provide such proof requires that you delete the account from my file.

FDCPA ( 15 U.S.C. 1692g ) The FDCPA mandates that debt collectors provide validation of the debt, including details about the original creditor and proof of my responsibility for the account. Without this validation, continuing to report or collect this debt is unlawful.

Illegal Collection Practices Reporting unverified or inaccurate debts on my credit file violates my consumer rights under both the FCRA and FDCPA. This collection account is not valid, and I demand its immediate removal from all credit reports.

I request that this matter be resolved promptly. Please provide written confirmation that this account has been deleted from my credit report or provide the necessary documentation proving this account is valid and belongs to me. Failure to act appropriately within the legal timeframe may lead to legal action being taken against your agency. Thank you for your prompt attention to this s
erious matter. I look forward to your written response and the resolution of this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX known as XXXX XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus such as Equifax. I've contacted the company back in XXXX which shows they have been contacted to show that the account ending in XXXX belongs to me. I've attached the letter I sent to request proof that this account belongs to meXXXX XXXX  has failed to show proof of this account belongs to me with my signature. Which is causing harm to consumer report. This account has resulted in identity theft and doesn't belong to me. Ive attached my identity theft. I never had an account with XXXX and XXXX do not have my signature for this account saying I'm obligated to pay them. I've attached my federal pre- lawsuit into this matter if the requirements aren't met in the letter that's attached. Please do not take light of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get all three credit bureaus ( XXXX ) ( Experian ) ( XXXX ) to take these XXXX things off my credit report. I have been trying for years for them to remove these items ; ( XXXX ), XXXX XXXX XXXX Account Number... XXXX XXXX XXXX XXXX Outstanding Balance* ... {$0.00} US Department of Education XXXX XXXX I need these to be removed off my credit report so I can purchased a home. They are talking about giving me a high interest rate. They will change it once I get these things removed. I want to purchase a home and this is what I need removed. I hope we can rectify this problem right away!
Product: Credit reporting or other personal consumer reports

Charge offs are being reported onto my consumer report. Charge offs are a certificate of indebtedness which is income and is violation. 

The Privacy Act of 1974. 
My privacy has been violated a multitude of times because no authorization was ever given.
Product: Checking or savings account

I went to Wells Fargo Bank today and asked if I could have a copy of my escrow account ledger report from XXXX XXXXXXXX XXXX XXXX set this account up and received funds from the sale of my home. They also paid myself, ex-husband, liens, judgements, mortgage, commissions, and etc. from this account. The bank said I would need Authorization from XXXX XXXXXXXX or a guy by the name of XXXX to get a copy of what I asked for since they are the people that set the account up. Can you please help me to get a copy of these documents since it was my house, my proceeds. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX  XXXX bankruptcy dated XX/XX/2019 and XX/XX/2019 are reporting on my credit report and should not. I asked the bankruptcy court to withdraw these after speaking with an attorney. This credit bureau has neglected to properly investigate these items and refuse to remove these inaccurate public records that is tarnishing my credit report. I am including information that shows these public records were terminated/vacated AFTER being dismissed, therefore should not be reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a problem with XXXX, Transition, and XXXX, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX XXXX ( copyrighted ) service. These companies refuse to acknowledge the function that " XXXX '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " XXXX XXXXt '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the XXXX 's with a fax machine, they need to educate themselves in modern-day XXXX century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " Do-Have '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your Aggregate balance due is ... ... ..XXXX + XXXX= XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX  account has inaccurate information. Equifax own reporting on the account shows that for months reported late there was no record " XXXX '' reporting for the months. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Investigation showed no record of late payments for months in question for Equifax report. The account should be updated to report PAID/NEVER late or the account should be removed. their own records shows no record for disputed months. 
see attached as proof
Product: Debt collection

XXXX and XXXX keeps calling about a time barred debt to my parents. They threatened her, and keeps calling day and night. In some cases interrupts her phone calls to other people. The debt it is more than XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017, Equifax revealed that they had allowed my personal data and that of 143,000,000 other American credit holders to be compromised through inadequate security measures and pure negligence. Because of their gross incompetence, my family, friends, and myself have all been prompted to take measures to lock down our credit reports. That this breach was easily preventable through the simplest security measures is almost more damning than the fact that the data itself, essentially the digital identities of virtually every adult credit-holding citizen of the US, was able to be extracted in a usable state! This has the potential to negatively impact so many people on a personal level as well as to open the door to malicious actors who wish harm to our nation and its people. Few penalties could be too severe in this circumstance. Those in authority at Equifax should be held criminally liable. There should also be a review in Congress to publicly identify those legislators most closely tied to and benefiting from the Credit Reporting industry, as this level of blatant disregard for the well-being of the average citizen should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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 or prepaid card

Citi Group has decided to regulate how the card user can utilize the card for purchases. This wasn't included in any agreement when the card was opened for the consumers use.

The new rules Cit bank has created limits purchases that state NO firearms / weapons are allowed to be purchased without a background check on the charge cards.

Any FFL dealer by law, does this check prior to any sale anyway. Limiting what accessories that can be purchased with the charge card is discrimination to the account holders choice of " free purchase '' decisions made in the USA.

I am a valid XXXX XXXX XXXX, XXXX veteran and have worked in XXXX XXXX.

Limiting my accessories capabilities for my weapons is preposterous.

This act by Citi Group is a complete dictatorship type control when the account is based solely on the consumers approval to obtain, usage of the cards, and remitting payments against purchases made on the accounts. Lack of use of any account doesn't net profits Citi Group in any way shape or form.

If this idea of selecting only " specific '' items not allowed to be purchased was not in the agreements when the card was opened. I would've selected a different card company to conduct business with if that had been the case. Pretty simple.

Furthermore, I'll be paying off my account with Citi Group just for this reason, and will not be using the card for anything else from here on out. It appears Citi Group has more than enough customers and business profits elsewhere to thrive on to allow this outrageous act to slam their quarterly gains/profits as a major banking institution.

This was a serious poor decision on this banking institutions behalf. This company 's decision to act on events that happened in the USA ( which doesn't concern them ) stemming from " other entities type violence '' shows how easily coerced Citi Group really is. Not good for any consumer wishing to sign up for a credit line with Citi Group.

I'm guessing they forgot who bailed them out when times were tough during the recession of 2007?
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe that this limitation might have been placed due to a misunderstanding or an error, as I am confident that I have not violated any PayPal policies. 

I have been a loyal and responsible PayPal user for a considerable period of time, and I have always made sure to adhere to the platform 's guidelines and policies. Thus, the current situation has left me deeply perplexed and concerned. 

I kindly request that you initiate a thorough re-investigation into my case. I believe that upon review, you will find that there has been no breach of PayPal 's terms from my end. I am committed to resolving any potential issues and to providing any necessary documentation to support this claim.

It is my earnest appeal that you reconsider the limitation on my account. I understand the importance of security and policy enforcement, but I am convinced that this matter can be resolved with a fair evaluation of the facts. Restoring my account would not only reinstate my access to essential financial services but also reinstate my faith in the PayPal system. 

I genuinely value the services that PayPal offers and the convenience it brings to countless users like myself. I am hopeful that this matter can be resolved promptly and amicably. Your assistance in this regard is greatly appreciated. 

Thank you for your time and attention to this matter. I am eagerly looking forward to a positive resolution.
Product: Credit reporting or other personal consumer reports

While reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies. These are the following incorrect information reporting : Reporting in XXXX : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX Reporting in Experian : 1. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX  XXXX XXXX 4. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX Reporting in XXXX : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX 2. The following personal information is incorrect Employers : XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX. I have my unemployment benefits thru KeyBank in XXXX. On XXXX XXXX I called my card to receive my balance and was told thru a recorded message that I would have to call customer service after 3 hours no one responds EVER. When I tried to access my account on the mobile app. I was denied access and told to call another number. That does not answer as well. Meanwhile I have much needed benefits I can not access
Product: Student loan

I believe I was deceived by Navient with repayment of my student loans, specifically private loans. I have notes of some of my struggle with Navient. My struggles started around XXXX when Navient was still XXXX XXXX. I was trying to find a way to get into a manageable payment plan and was directed into paying for a forbearance a couple of times ; I believe I paid {$50.00} the first time and then another was {$150.00}. I was then put in a payment plan. However, when Navient took over my payments they started to misapply the payment and some loans that were originally in the payment plan were no longer included. I have first names, specific dates, and some details of my contacts with Navient. I also have notes that some of my payments were misapplied. There's also an instance in XX/XX/2017 where payments were deducted from my bank account incorrectly which incurred overdraft fees. While Navient reversed these charges, they did not refund the overdraft fees that resulted in their mistake, despite the proof I sent them. I believe I was mislead and misinformed regarding my payment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting has included me on their mailing list. There is no 'unsubscribe ' opt-out included in Experian emails. There is also nothing contained within the Experian emails about how to unsubscribe. 

Looking online I found this : " To opt out of all email marketing messages from Experian, you must send an email to XXXX from the email address you wish to unsubscribe. Please clearly state in your email, " Unsubscribe me from all Experian email marketing. '' I followed those directions but still continue to receive Experian emails. 

Next I called Experian customer support telephone number : ( XXXX ) XXXX who told me I would have to send a regular USPS letter requesting removal from Experian email lists. As directed, I mailed a letter to Experian ; XXXX. XXXX XXXX, XXXX, Texas XXXX. I did mailed this letter to Experian months ago, but I am still getting unsolicited and unwanted Experian emails. 

Isn't this illegal? And falls under ANTI-SPAM legislation? 
Not allowing people 'opt-out ' of Emails?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I sent certified letters to XXXX XXXX for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested XXXX XXXX to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 XXXX XXXX has not sent anything. I then disputed the accounts with XXXX and Equifax and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? XXXX XXXX cant verify.