23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a dispute with a merchant XXXX XXXX XXXX and asked them to stop charging my credit card I had on file as they do not have a way for me to cancel my credit card on their website. I called and advised I do not want their services and to stop automatically billing my master card. They said the would take care of it when I called but said they would not provide me with any confirmation coded as they do n't do that, just an internal note on my account. To make sure my card would not get billed again I canceled that card and was issued a new card number from capital one. As soon as I activated the card this merchant XXXX XXXX XXXX got my new card number without me giving it them and billed my new card. I call capital one and was told they did not give out the information and that master card provided them with the new information. I had to completely close my credit card account. I was not aware anyone can obtain new credit card numbers without the customers connect. I should have the right to stop a billing of a merchant on a credit card if that is what I choose and master card should not have the authority to provide my new car numbers without my authorization. Having to close my account has caused harm to me by hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report I am interested in processing disputes for all inaccurate information on my credit report with Equifax. my file is not 100 % accurate. review the mislead information an remove all data to correct my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, XXXX and TRANSUNION XXXX XXXX XXXX XXXX Dats late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing the bureaus several times to dispute my student loans. The student loans are reporting with different info through out the 3 bureaus. According to the FCRA This is a violation and should be deleted immediately. I've pointed out things that are not correct several times and they just send letters saying updated and leave the accounts still showing negative items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I banked with XXXX a few years ago and had fraudulent over drafting on my checking account via XXXX - I submitted a fraud request and was never given the approval or able to work with somebody regarding this. Years later it is still marked as Account Abuse on ChexSystems and I would really like to get this resolved & removed from there.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK THIS FRADULENT HARD INQUIRIES FROM MY CREDIT REPORT
Product: Mortgage

I applied for a mortgage to refinance my current home loan. As part of the application, an appraiser came to put a market value on my home. During the appraiser 's visit, he wanted to take interior pictures. I asked him not to do so and he complied. The mortgage company contacted me later and said they would not process my mortgage application without interior pictures. I supplied them with interior pictures that I had taken myself, from which I had redacted anything that showed a personal element of my home, such as furniture, photographs, art, and books. I also redacted anything that showed security system elements.

The mortgage application was 100 % complete, absent interior pictures taken by the appraiser himself. The mortgage company informed me that they could not process my application without the pictures, and that after internal review, they would not accept the ones I had provided. The rate lock expired and I can no longer take advantage of the lowered interest rate I would have achieved with this refinance. 

Additional facts that I feel are relevant to this complaint : *The mortgage company involved holds my current mortgage. It is a 15-year mortgage that I have had for 6 years without once missing or making a late payment.

*The refinanced mortgage would have been for an amount that is approximately 10 % of the market value of the home, as confirmed by the appraiser in
his report.

*I provided financial statements to the company that clearly showed I have sufficient assets to pay off the current or refinanced mortgage completely at any time, as well as sufficient income to easily support monthly payments. 

Given the low risk to the mortgage company for this loan, I do not see the need for this egregious invasion of my privacy. I have already allowed the appraiser to enter and visually observe every space in my home. I can not fathom the need for him to also permanently record every aspect of my personal space. I was given no assurance that the digital photographs would be stored on secure devices, would be transmitted only by secure electronic means, would not be shared with unauthorized persons, and would be deleted from all systems at such time as they were no longer needed. I feel I am fully justified in not allowing these pictures to be taken. As stated, I met the mortgage company more than half way in offering to provide pictures I had securely produced myself. I am sure I am not the only U.S. consumer that was affected by this practice.
Product: Debt collection

Advised this agency they are collecting on a debt that is not mine. They refuse to provide valid statements, any signed paperwork, and threatened my credit by advising me they wont sue me but will damage my credit. They also do not have a valid California debt collectors license and would not provide me a number.

I sent a written request that was excepted by a lady but the last name is XXXX. They sent me back a letter just saying that I owe them money and that they dont have a license and its pending and threatened my credit bureau XXXX Theyre in violation of FDCPA.
Product: Money transfer, virtual currency, or money service

I purchased a Western Union Money Order for {$490.00} and deposited it at XXXX XXXX XXXX. A couple days later on the XX/XX/XXXX, I received an email from XXXX XXXX saying, " Refer to Maker ''. So a week or so after I received this email, I sent Western Union everything including the receipt of the money order, along with the 'Refer to Maker ' letter so that I would not incur a fee as stated by the Western Union rep. Months and months go by as I can eagerly awaiting the arrival of my letter from western union so that I can take it to XXXX XXXX. No letter for two months!! Finally after non-stop calling day after day, they finally act useful and send it via email. I take this pdf letter to show a XXXX XXXX banker and they say, " there is nothing we can do ''. So now I'm back on the phone with Western Union and they say, " oh we'll send a source of receipt ( SOR ) so that XXXX XXXX has to give you the money back ''. I take the SOR letter to XXXX XXXX and AGAIN same line .... " sorry we can't do anything.. Western Union has the money. Take it up with them ''. For the past 3 months Western Union have been very unresponsive and unhelpful!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed XXXX will find correspondence with XXXX XXXX XXXX XXXX showing they have taken the steps to remove account from collections status. Experian has been notified of bankruptcy no less than seven times now requesting my credit report reflect accurately. I have provided discharge notice on every occasion along with request to fix the errors. Experian has failed to fix the problem. At this point my attorney is suggesting that Experian is the liable party for a law suit. I have provided all documents for this very simple error. I will provide them all yet again in this complaint. If this is not resolved in the next 30 days a law suit will be filed in federal court for violation of court order and violation of the Fair Credit Reporting Act. XXXX with XXXX XXXX XXXX XXXX informed me, on a recorded line on XX/XX/2017, that  any failure of this reporting correctly would be a failure on Experian 's part not theirs. All other companies who were informed of their inaccurate reporting fixed the errors within a week and were also reflecting within that time frame. There is no excuse for this gross negligence other than someone somewhere is not doing their job and it is reflecting poorly on the company and harming the consumer.
Product: Prepaid card

I received an American Express branded Serve card in the mail. It has my name on it, as well as a card number. There is American Express bank and routing information provided with the card. I did not request this card. I called the Serve customer service number ( XXXX ) repeatedly, but there is no person available to assist ; there is only an automated system. I called American Express directly, and they said they have no direct control over the Serve cards. They tried to also contact Serve, but also had no success in speaking to a person. American Express recommended that I file a complaint with the CFPB. 

Please note that I DID NOT activate the card.
Product: Credit card or prepaid card

I called in to complain about two unauthorized charges on my card to the representative on XX/XX/XXXX in which they mailed documents to me to complete. I submitted bank statements from their website with my information of the two charges that I did not authorized. I have also receive a letter that is dated on XX/XX/XXXX stating that " The results of our investigation could not find where an error has occurred. Therefore, no adjustment can be made to your Card account for the amount in question. You may request a copy of the documents which were used to decide the dispute investigation. As I receive this letter I called that same day and was told to write out a complaint in which I did XX/XX/XXXX and faxed it back to them. For they indicated that the information was not sent to them in a timely manner. Now as I indicated that I did comply with XXXX XXXX that I have no control over the US postal services how and when mailed is delivered from their establishment. But, Nevertheless the documents were sent to them in a timely manner. The company that took money from my account on XX/XX/XXXX in the amount of {$260.00} and on XX/XX/XXXX in the amount of XXXX. For this company has taken funds from my account beginning XX/XX/XXXX-XX/XX/XXXX and have no intentions of refunding my monies to me even though I contacted XXXX XXXX   about this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters certified over 60 days ago and have not been notified. As a consumer i feel like these bureas taking advantage of normal people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Experian concerning items on my credit report. Each time, even after I re dispute it, it comes back within a couple of weeks stating the collector has certified to them this the item is accurate. I have even sent in disputes by mail asking for the contract of something in my files where this information is accurate. I believe Experian is not a thoroughly investing my disputes, they are just going off the last dispute and closing them right out. 

Ive recently sent them a mailed dispute request on XX/XX/18. I received a response letter ( stall tactic ) from them dated XX/XX/18 not that my request was frivolous but merely that they were not going to investigate the items again. As a consumer, I am entitled to a reasonable investigation if I am disputing inaccurate information on my report. How can they do this and get away with it?! 

The law is very clear in all of the cases XXXX vs XXXX, XXXX vs XXXX and XXXX vs Experian. All of the courts ruled each and every time that the credit Bureau can not literally parrot information from collectors. But instead must perform a reasonable investigation and XXXX is not considered as such.
Product: Payday loan, title loan, personal loan, or advance loan

This company is charging varying interest amounts that make no sense and are not correct. I have multiple loans and credit cards and have a great understanding of how interest is charged as well as I work for a credit card company. The interest amounts can not go up when the percentage stays the same and the balance decreases but yet the interest charge goes up. I have attached the last few statements that shows this. ( I may have missed some please let me know if you need more )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is against Synchrony/Gap account # XXXX, date open XX/XX/2014, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!
Product: Vehicle loan or lease

My daughter XXXX XXXX spoke with XXXX XXXX and XXXX XXXX about getting a car. XXXX XXXX asked if she could get someone to co-sign and put a down payment down for her she gave him my name informed him XXXX XXXX XXXX. Before I could meet her XXXX XXXX started in on his high-pressure sales tactics on getting me in a car. XXXX outlander. XXXX kept stating yes she has money she looks like money. Per XXXX the car was new insisted I drink more coffee due to working XXXX hour night shift and being there till XXXXXXXX XXXX I was up for XXXX hours repeatedly stated I need to leave and return tomorrow XXXX XXXX kept being aggressive with his high-pressure sales tactics insisted he was ready for me to sign the paperwork. I stated again with XXXX XXXX as my witness I needed to sleep then review the paperwork Ill return in the morning XXXX XXXX said ok on Friday XX/XX/XXXX at XXXX. I return Saturday around XXXX to discuss my concerns of XXXX XXXX and driver side brake issues. Per XXXX XXXX he has the car his brakes does the same thing noting wrong with the brakes. Then stated the bank already closed on the deal their car lot didnt participate in the 3 day resend this wasnt like having a mortgage. While address concerns of a 24 % interest rate and 72 month payment of {$900.00} a month. I didnt agree with those terms nor wanted 72 months of being charged usurious interest rates. XXXX XXXX ran my credit again dropping my credit score down. Per XXXX XXXX the car is brand new. I informed him the car is used. XXXX XXXX got aggressive stating it is new has XXXX miles. According to the paperwork the used car had XXXX miles. When asked why did he deliberately run my credit again he stated how are you going to get your credit score up now! Your going to need my deal to get out of debt, your going to pay that {$66000.00} whether you keep the car or not. I asked for the lender number XXXX stated it was on the bottom of my paperwork. I called Santander Consumer USA a lady answer the phone stated they do participate in the 3 day resend that XXXX XXXX needed to complete the paperwork at their store and send it to them. She gave me the bank personal number he wasnt available Saturday XX/XX/XXXX I did get ahold of him Monday XX/XX/XXXX spoke with XXXX ID XXXX who stated my account had not been processed at that time ( XXXX XXXX ) that XXXX XXXX had to complete the paperwork there to stop the deal and fax it over. All parties were aware the vehicle was returned within XXXX hours of signing. On XX/XX/XXXX a new contract was mailed with vehicle sale of {$29000.00} and new payment {$870.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need this account corrected at once : XXXX XXXX XXXXXXXX
Product: Debt collection

Company told me that if I paid the account it would be deleted off my credit reports if paid in full. The account is still showing up on my XXXX and XXXX and has not been flagged for deletion
Product: Consumer Loan

We started a car loan with Santander back in XXXX for a truck in the amount of {$16000.00} for 72 months. It is now XXXX and our current balance is {$8900.00} and even after talking to several customer service reps from other countries and managers I still do not understand why. I do admit that we have been late on some of our payments, asked for XXXX extensions, and had six months of agreed partial payments but this remaining balance does not add up. XXXX of the representatives noted that we had made XXXX payments of XXXX and that part of the payments we going to interest and part was going to principle depending on the number of days between payments ( interest is {$5.00} a day ) and in old math if we made a payment every 30 days and you multiplied by {$5.00} of interest by XXXX the amount is {$160.00} which would be the interest deducted from my payment of {$410.00}. I looked at my account and saw absurd amounts of late fees and interest charges that were deducted from my monthly payments. I also noticed that for the entire XXXX of payments ( XX/XX/XXXX ) none of my payments were being added to principle but all were going towards interest. I was also told that my interest was 21.99 % on my contract which I know was 11 % when we signed the contract. The representative stated that we have made XXXX payments of {$410.00} and that our contract would have matured this years XXXX but, due to extensions ( only XXXX ) and six months of partial payments of {$250.00} that our balance is currently {$8900.00}, something is not right. If we have made XXXX payments of {$410.00} which equals {$27000.00} and if you deduct interest of {$160.00} multiplied by XXXX payments that comes out to XXXX. The payment amount of $ XXXXXXXXsubtracted by the interest of XXXX leaves a payment of XXXX. The contract was started with a balance of XXXX so, how do we owe a balance of {$8.00}. We should have a credit of XXXX and if you add in the 6 months of extensions and XXXX partial payments that comes to {$3400.00} and then deduct the {$250.00} which leaves a balance of {$3100.00} which makes sense. This company has been falsifying records by changing documents, charging outlandish interest charges and late fees and justifying their erroneous practices with predatory contracts on hard working families. Companies such as these need to be investigated thoroughly and blocked from targeting people with credit issues or are trying to establish credit. We have been paying on this truck for nearly 7 years and according to Santander still owe more than half the original balance. There is no bank or auto loan company that I have ever had or know that has used such unethical practices as Santander.
Product: Debt collection

This {$130.00} to XXXX XXXX was to be paid by my insurance I have never paid for a XXXX in my life. XXXX has it on my credit report. I have several working to get this removed.Thank You
Product: Credit card

Capital One is fraudulently working with a company called XXXX, causing interest and unwanted harassment and meaningless wastes in the universe. They must be stopped! XXXX They refused to speak with me when I informed them I was recording the conversation.
Product: Checking or savings account

on XX/XX/XXXX Chime authorized a charge from way, XXXX some online company that i have no knowledge or idea what they offer. I just know my computer was hacked around the same time frame as when the alleged charge came thru!! Chime is the bank provider my visa # is XXXX exp XXXX last .its a visa. XXXX said they had no jurisdiction or info to dispute this transaction or account. XXXX and XXXX said they could not help me and Chime said they refused to take fraudulent item off even though they had no proof the alleged account charge belonged to me.This XXXX fraudulent transaction to this day is still on my check card and it is not an authorized charge by me by any means. I still have no idea what this charge is!!! Please help me .I guess anyone can get there money stolen at any time and chime does not care or know how to handle a situation like this or just don't care or have time to help fix stuff like this!! XXXX if the same thing happened to the chime customer service rep.I wonder how they would react and feel about this. 
XXXX XXXX ( XXXX ) XXXX