23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/XXXX I XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX purchased an XXXX laptop from XXXX for {$1900.00} ( order number XXXX ). I then returned the item on XX/XX/. I was sent a message saying I would receive my refund by XX/XX/. I didnt get my refund so I asked XXXX to step in. They denied my refund saying I never returned it to dispute it with my bank. I then disputed it with my bank which they denied saying I sent the return from a different place where it was delivered. There is no XXXX  dropoff in XXXX Pennsylvania so I drove to XXXX Pennsylvania XXXX. I contacted XXXX  and they confirmed that it was delivered to the address on return label. I was then told my money was in account management and I would receive it 72 days after a certain date but never did.
Product: Debt collection

XXXX XXXX, XXXX is a debt collector who has failed to verify the debt. In addition the item remains on my credit report as a chargeback from Upstart Loans. I have never received a 1099C. The company has written off the debt and therefore the amount owed should show XXXX.
Product: Debt collection

After reviewing a current copy of my three burea ( XXXX, XXXX, XXXX ) credit report dated XX/XX/XXXX, I found the following collection : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Lender : XXXX XXXX XXXX XXXX XXXX XXXX Name : Seq Fin Svcs Date Assigned : XX/XX/XXXX Original Balance : {$100.00} Current Balance : {$160.00} Please note that I dispute the above-referenced debt. Therefore, please have this agency verify this debt as required by the Fair Debt Collection Practices Act and the Rosenthal Act.
Product: Mortgage

Our loan was sold to everhome. Fines for online or phone payments added to " fees '' instead of debit from Bank account. Snowballed amount. Payments would be sent a month early but somehow would n't post until after the grace period, late charge. Note went up. Sold to Greentree, had fines attached, note went up more. Now sold to ditech, note {$400.00} more than original fixed rate loan, had thousands of fees. Was told not to make payment for XX/XX/XXXX and XX/XX/XXXX to qualify for trial loan modification. Made the 3 trial payments, was told papers had to be in XXXX XXXX, on XXXX XXXX I received the package, with someone else 's modification paperwork. Called, spoke to XXXX people, no answers, emailed account manager, no answer, typed letter and enclosed with wrong paperwork requesting my paperwork. A month later, all I 've received is a visit because I 'm " in default '' and multiple calls where I ca n't get answers. Please help! It 's a va loan, the modification payment is our original payment, it 's doable. If we could just get the correct paperwork!
Product: Money transfer, virtual currency, or money service

I sold a virtual account on the mobile game " XXXX XXXX XXXX  XXXX  XXXX  '' to a user ( hereby " XXXX '' ) via Paypal on XX/XX/XXXX for {$350.00} ( {$360.00} with Paypal fees ). On XX/XX/XXXX ( over a month later ), he claimed it was a fraudulent charge on his credit card and Paypal subsequently froze the funds in my account, took money back from the sale, and also charged me a {$20.00} chargeback fee. I have evidence XXXX agreed to the purchase, sent the funds via Paypal, and then confirmed the goods were as advertised. I also have evidence he gave me a perfect review on XXXX   for the sale and utilized the account frequently after the purchase. Screenshots are attached. In the attached screenshots I am " XXXX '' or " XXXX  ''. XXXX is " XXXX '' or " XXXX ''. 

XXXX claiming it was a fraudulent charge is a bIatant lie and he is perpetrating fraud, especially over a month from date of sale. I have tried to call Paypal multiple times and can not connect to an agent. Further, when I try to message them through the message center I get vague responses that aren't helpful. Most of the time I get no response from Paypal. 

Paypal case is the following : Case ID XXXX. Feel free to reach out with any additional questions/concerns. Happy to help in any way I can to resolve this as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX of XXXX, XXXX  pulled my credit report without my consent. I was told that I had been preapproved for an auto loan.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX XXXX XXXX XXXX ( CLOSED ACCOUNT ) payments late year XXXX and charge off years XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Wells Fargo Dealer Services account # XXXX. I used to have my payments in auto payments until XXXX 2019. When I was in the process of making the change of payment methods the mentioned company marked me as late in my credit reports for XX/XX/2019. They never called me or warn me that they were going to proceed to report the late to credit bureaus, a clear violation of the Fair Credit Reporting Act. Im aware that years back in XXXX I incurred in to late payments and I take responsibility for those late payments. Since then I have been working very hard in my credit so this type of scenarios dont ever happen to me again. Im not requesting no remove all the late payments of the account only this last late from XXXX 2019 because this was not my fault this time it was Wells Fargo error. This is negligence, unfair business practice and unreasonable with a costumer that has been loyal to Wells Fargo from years back. Im requesting through Consumer Financial Protection Bureau a deletion letter stating that the late payment from XXXX 2019 is going to be corrected in all 3 credit bureaus. I have tried every way possible way disputing this issue with Wells Fargo and always kept running through a wall. Im telling you, this was not my mistake therefore correct this. Im not going to stop until I get justice and if that means that have to hire an attorney and take this case to court believe me, I will. So please Wells Fargo make a real investigation on this matter and lets try to resolve this the best way possible. I even authorize Wells Fargo to check my reports and there they will see that is what not a money factor or less that I did not wanted to pay you. Thank you!
Product: Credit card or prepaid card

XX/XX/2022 I sent in a payment to Discover trying to pay the account in full. The payment was denied and they closed my account XX/XX/2022. I called back and tried to remedy the situation and they declined to reinstate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXXXXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and XXXX days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.
Product: Credit card

I have a XXXX XXXX credit card. Towards the end of XXXX, this card was transferred to Continental Finance thru the XXXX XXXX XXXX Ive tried to make a payment several times over the past 10 days. Most recently, Id logged into the new servicing website, made a payment and nothing happened. They indicated theyd flagged my account for fraud as I was trying to pay too high of a payment. My balance is {$3300.00}. My full payment could not be processed. After calling multiple times, a supervisor recommended I lower the payment as theyd never seen anyone try to process that amount. Rediculous as my balance should be available to pay. On XX/XX/24 I reduced my payment to half, {$1600.00} with expectation to process the other half XXXX. This morning I logged in to complete and the payment has disappeared from the website. Im only allowed 2 payments per week and now due to the timeline I have no ability to process the full amount before interest posts. This is the most difficult credit card payment Ive ever experienced.
Product: Credit reporting or other personal consumer reports

I only received a response saying that the account was verified as mine
Product: Credit card

Purchased furniture from XXXX XXXX XXXX store at XXXX XXXX XXXX XXXX Maryland on XX/XX/XXXX. We set up delivery for XX/XX/XXXX when delivery came only bunkie boards and XXXX king sized mattress was delivered, so delivery was refused. That morning we took our old bed down and gave it away. we expected a bed with delivery. We had to wait until delivery was back at the store and that night XX/XX/XXXX we canceled the entire order {$4000.00}. XXXX XXXX XXXX XXXX did not officially cancel order until XX/XX/XXXX. Even after cancelling Synchrony Bank refuses to refund the money. The refund transaction number is XXXX.
Product: Checking or savings account

Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to request the deletion of a closed paid off account from my ChexSystems report XXXX The account in question is XXXX, which was closed and paid off on XX/XX/year> I understand that ChexSystems provides valuable information to financial institutions to help them make informed decisions about new account openings. However, the presence of this closed paid off account on my report may adversely affect my ability to open new accounts or obtain certain financial services. 

I would like to emphasize that the account in question was satisfactorily settled, and there are no outstanding balances or issues associated with it. As such, I kindly request that you consider removing this entry from my ChexSystems report at your earliest convenience. 

Enclosed with this letter, please find relevant documentation supporting the closure and payment of the account, including [ List any supporting documents you are including, such as payment confirmation, closure confirmation, etc. ]. 

I appreciate your attention to this matter and your assistance in resolving it promptly. If you require any further information or documentation, please do not hesitate to contact me at the above-mentioned contact details. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I was hired by XXXX XXXX of XXXX XXXX, that offer was rescinded two days before my start date. I came to find out that my report was indicating erroneous information that does not pertain to me. I lost an amazing opportunity. I need to have this information removed. My efforts were not successful with Transunion or other agencies. This matter is impacting my ability to become employed at the level that I need to in order to sustain my family, I am a single parent and am the sole provider for my son and I. This is a very serious issue impacting me as a consumer and job applicant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the Fair Credit Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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, also states, a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX you are reporting multiple errors on this account so please investigate and make sure its 100 % accurate per FCRA you are reporting different date opened Transunion , and XXXX don't match update or delete immediately you are also reporting different date of last active means you are in violation for re-aging this account this is a huge error because this determines when this account gets deleted under the fcra update if you can't update or verify the correct date last active you must delete this from all of my consumer reports
Product: Mortgage

I previously submitted a complaint to you about Bayview loan servicing. I asked them to provide a copy of the mortgage note, and all documentation pertaining to my mortgage. They were suppose to comply by XX/XX/XXXX. The complied with no documentation. They sent me a letter stating that my mortgage has been sold again. They further stated that they will continue to service my loan I am suppose to send them my payments. They sent me a barely legible promissory note without my name on it. Only the name of my deceased husband. He has been deceased since XXXX. XXXX did an assignment from my deceased spouse and the previous lender on XX/XX/XXXX. They further did an assignment from XXXX to Bayview Loan servicing on XX/XX/XXXX. Bayview states that the loan was sold on XX/XX/XXXX and the documentation was filed in my local court jurisdiction. I have looked and it was not. I have no idea who actually owns the mortgage it even if I owe money at all. The promissory note that they produced is totally different from the original one that I have. I have not let them in on that fact as of yet. Please feel free to contact my daughter XXXX about anything pertaining to this matter.
Product: Credit card or prepaid card

I have a CareCredit card and I noticed that on XX/XX/XXXX I was charged {$2700.00} in interest fees. I had a promotion for 18 months interest free which started in XX/XX/XXXX. The amount was for XXXX. I called CareCredit and was told because I had not paid the total amount by the end of the 18 months that was my interest for that purchase. The interest is half of the prinicple!!! I was told my APR rate was XXXX. How is {$5200.00} at XXXX APR come out to {$2700.00} in interest??? IS THE XXXX HIGHER IF THE PRINCIPLE IS NOT COMPLETELY PAID??? I had another purchase previously to this last one and I got charged in XX/XX/XXXX {$2600.00} in interest fees. I did not get the principle amount due to being put on hold several times. I noticed on the statement that I have another promotion that is coming up in XX/XX/XXXX. I will never finish paying. I try to pay more than the minimum amount and have not missed any payments. This practice that Synchrony has is deceptive. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I requested for Experian to validate and delete 3 negative paid/charged off/inaccurate/discharged/closed account for the U.S Department of ( Account # XXXX. Amount {$0.00}, Account # XXXX. Amount {$25000.00} & XXXX. Amount {$21000.00} all closed ) from my credit report. I have sent my last 4th letter to Experian on the XX/XX/XXXX. I have not received any copies contacts promissory notes or accounting records in regards to my request. I called Experian customer service and their rep said they do not have any certified copies proof contacts, promissory notes or accounting records for the debt they claim I owe and display to business and other people through there service portal. XXXX  has deleted these accounts from my credit report within the 30 day time frame after not being able to validate or forward me the copies I requested for. My XXXX credit score is  XXXX & XXXX credit score is XXXX while my Experian credit score is in the mid XXXX. These items are negatively impacting my Experian credit score. I have also been permanently XXXX since XXXX and I have reported this to the Department of Education, loan lenders and collection companies. Experian is involved with illegal business practices and is committing fraud on various levels.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/scrub> 2024 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 generally, 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: Checking or savings account

To whom it may concern, My name is XXXX XXXX, I opened a personal checking account ( Account number ending in XXXX ) with Bank of America in XXXX, and in XXXX, I started working for XXXX and XXXX as an XXXX  XXXX, and both of their direct deposits were automatically deposited into my bank account every week for the past 5 years After the Pandemic, I had faced some financial problems and decided to apply for a loan from the SBA ( Small business Administration ) a government agency, therefore I sent all of my documents as proof of XXXX  XXXX working for XXXX and XXXX which I then got approved to receive the loan. 

My Approved Loan was {$17000.00} that SBA deposited the loan into the bank account ( on XXXX XXXX ) I had which was Bank of America. 

After 9 days the loan was deposited, Bank of America closed my account without any notice ( on XXXX XXXX ) and got my account on hold/frozen status for further investigation. Later they said that this account was a personal account and the business loan should have not deposited into that account. Despite the fact, I had double-checked with SBA and they said I was able to provide my personal checking account information to receive the loan. 

But BofA closed the account with the rest of the money I had which was around {$1000.00} excluding the Loan amount.

In that one week gap, I was able to spend the loan towards my debts and take out the majority of the loan leaving around {$1000.00} of my own money in the account that is now being frozen and not returned to me until further investigation that has no estimated date by them. 

Under the Cares Act passed by the congress, the independent contractors from the company like XXXX were able to receive loans as business owners and independent contractors by law, but BofA is holding my money and giving me a lot of a hard time and due to all the events I and my family been under stress and tension in our family has built up to the point that my life is being affected by all of their actions and decisions. And I dont know who is responsible for such actions towards a U.S citizen who has paid all of his taxes on time. Worked for those companies for 5 years already and gotten the money deposited to their account that they knew where the money was coming from. 

There have been phycological effects in my life because if their actions they have threatened me as If I had committed a crime!? 
I can send all of their letters stating that I will not be able to bank with them or any other financial entity for the next 5 years. 

I can not defend myself as I can not afford an attorney for this situation and I would like to ask for a favor to help me out with my situation as this financial institution must be responsible for all the damages they have done to me and my family in this regard. 

Id highly appreciate it if you could follow up at your earliest convenience and get back to me.I attached two copy of the letters that I received from the Bank of America in this time. 


Sincerely, XXXX XXXX