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

On XX/XX/XXXX there were 2 charges were applied to my credit card that I did not authorize. On XX/XX/XXXX there was 1 charge applied to my card that I did not authorize. I discovered these unauthorized charges during the first week of XXXX and immediately reported those to the credit card company. After they conducted their investigation, they concluded that 2 of the 3 charges were authorized and 1 was not, because that charge was removed. 

All I received is a generic letter, date XX/XX/XXXX stating that the claim was being denied. I immediately called them back to ask how they determined that and to let them know, again, that I did not authorize those charges but the individual handling our case was unavailable and I was told that they did not have any details on our claim and we could only speak with the investigator that conducted the investigation. They said that they would leave them notes and that they would have the investigator call me back. No call was received. I have called back multiple times but the investigator is always unavailable. I have left a message each time but they have refused to return my calls so I can ask questions, get additional information, or file an appeal of the decision. 

One of the charges is from a web-site called XXXX, the other is a site called XXXX. If you go to those websites they each sell exactly 9 items only. The 9 prices of the 9 totally different items are exactly the same on both web-sites ( screenshots attached ). The web-site for the fraudulent charges they agreed was unauthorized was remarkably similar : XXXX. 

We have not received any mail, shipments, or e-mails from any of the companies above.
Product: Money transfer, virtual currency, or money service

Hello, i contacted paypal today that i have been a victim of unathorised tranasction which it wasn't me who did this transaction, i was usually surfing the web until i got a messaged popped up saying XXXX has been sent to this paypal email address i was in shock and i went and checked and saw my paypal password changed so i quickly changed it, and i realised i was hacked thru my computer i must of had a virus but paypal didnt protect me either way no reimbursment. i lost XXXX of my hard earned money i contacted the person email who has my money he was very rude and saying not him etc, so i contacted paypal telling them what happened neither did they listen they just denied right up after couple hours and PAYPAL are letting fraudsters/scammers win constantly no matter what you do, this company has no clue whats its doing it cant detect anything in fact paypal is that bad i will start using revolut again and that was a shocker at least i wasn't hacked, and paypal take no care for customers they just do it their way im very dissapointed. I hope i can get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the rights 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 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act. 

Also Inquires listed below were made without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Enrolled in Auto Pay with Synchrony Bank for payment of Sam 's Club Credit Card. Payment of card balance of over {$3900.00} was debited instead of the usual payment of {$130.00}. Was told that I requested that amount to be paid via auto pay call on Thursday, XX/XX/XXXX at XXXX pm. I contacted not only my bank, XXXX as well as, Synchrony and explained I did not authorize this transaction. As a result of this transaction, my bank account is overdrawn by over {$2200.00}. I called Synchrony three times and they told me today that the investigated my complaint and that I did authorize this transaction. Why would an individual authorize a payment that they know that they could not afford as well it making sense for me to make the payment and then call back and say I did not do it. They now have my account overdrawn and I can not pay other bills due, I can not afford to buy groceries or gasoline to drive to work which is an over XXXX XXXX XXXX. My payment history would not even reflect that I am that type of consumer. They informed me that because of their findings, they submitting this as a request to cancel the payment they say I authorized and sending me a check in another 15 days. Meantime, I have a pension check that I will be receiving on Wednesday which is going to be consumed by the overdrawn amount on my checking account. Further not allowing me any money to care for myself and my family. With all the AI being used to defraud and manipulate anything regarding a consumer, including a robocall that looks like it could be them. Also, when I checked the card account, it said I only had {$20.00} to spend on a nearly paid off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, as of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail.  Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX/XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX XXXX never late US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine INQUIRIES XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XX/XX/XXXX not mine
Product: Money transfer, virtual currency, or money service

I went into California Check Cashing located at XXXX XXXX XXXX XXXX in XXXX XXXX, CA on or about XX/XX/XXXX to get a quote for filing my XX/XX/XXXX income taxes, as they have filed them in the past. I was unsatisfied with the quote, mainly because I was told to sit down and without a question of deductions and/or questions about taxes ( earned income ), the clerk called me up and wrote a quote on a post it note to inform me of the amount that I should expect to receive. At that time, I asked the clerk how could she estimate my taxes without asking for any information, then I asked for another employer to complete the transaction. The clerk telephoned XXXX, the store Manager and then I was told to come back the next morning to have my taxes finalized. I expressed that I did not wish to have my taxes filed at that time. On XX/XX/XXXX I went into XXXX XXXX to get another quote for my taxes and was told at that time that I could not file because my taxes were already filed. I immediately went to CA Check Cashing and was told indeed that my taxes had been filed. XXXX, the XXXX was in the office and offered to Amend the taxes that were fraudulently filed. I am very upset because I am out of the opportunity to see if the tax preparer had filed for earned income tax credit and other deductions ( student loan interest ). I am still unaware of the amount of fees charged by them. Please help me to receive the proper justice for this horrible oversight.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a report regarding inaccuracies on my credit report. According to my credit report, there is a bankruptcy filing listed that is inaccurate and should not be there. 

Description of Inaccuracy : The bankruptcy listed on my credit report is inaccurate because the United States Bankruptcy Court did not report it to the credit bureaus. I have confirmed with the court that they did not report this bankruptcy filing to the credit bureaus. 

Documentation : Enclosed are copies of supporting documents that prove the inaccuracies in the bankruptcy information on my credit report. These documents include correspondence with the United States Bankruptcy Court confirming that they did not report the bankruptcy filing to the credit bureaus.

Request for Action : I kindly request that the FTC investigate this matter and take appropriate action to remove the inaccurate bankruptcy information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if the United States Bankruptcy Court did not report the bankruptcy filing, it should not be listed on my credit report. 

Contact Information : Please feel free to contact me at the phone number or email address provided above if you need any further information or clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

According to my rights under 15 USC Code 6802 ( b ) ( 1 ) regarding the obligations of financial institution in disclosing nonpublic personal information to nonaffiliated third parties.

According to the law, you are required to : -Clearly and conspicuously discloses to me in writing or electronic form, that my personal information may be disclosed to an nonaffiliated third party ; -Provide me with the opportunity, before my information is initially disclosed, to opt out of such disclosures : -Account Name : XXXX XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX XXXXExperian Also has incorrect personal information. The correct information is ; Name : XXXX XXXX DOB : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Mortgage

To whom it may concern, My old mortgage company, Home Point Financial, sold my mortgage to another company ( XX/XX/2021 ), XXXX Mortgage, and the change was reflected on my credit report with a XXXX points deduction ( XX/XX/2021 ). 

My understanding is that such behavior should have not impacted my credit. 

XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit and notice I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

I had to move out of my apartment because of military XXXX AND work XXXX ( XXXX  ) during COVID. I used rent relief program to pay for my rent before I left. The rent relief payment went through and was cashed but I was still got charged and the bill was sent to collections without any notification. No mail, no email, no text message, no phone call. I checked my credit report and found bill in collections after I received email from Rent Relief that debt was paid. They promised to delete the collections from my account once I fixed their mess within 30 days and then all they were willing to do was report the debt paid to the collection agency. They refuse to remove the collections from my credit report. The attached documents are all the proof/email messages and receipt of payment made by Rent Relief.
Product: Checking or savings account

Ally Bank sent me a notice stating that they made a business decision close my checking and savings account. I have over $ 40K in my accounts, am an active client, and have never been in deficit. There is no justifiable reason for them to close my accounts. They only gave me a couple of days notice, which gave me little time to open a new account with another bank and redirect all of my direct deposits and bill payments. On top of it all, there is no time to transfer my funds electronically to my new bank because it will take 3-5 business days to validate the new account, and Ally will close my accounts before the validation process is done. I have no choice but to wait for a check in the mail for all of my checking and life savings, with no guarantee or security that the check won't get lost in the mail or ability to expedite the process. I was told to expect the check within 7-10 business days, leaving me with no access to any money for over a week. Their customer service was useless and I was given contradictory information on each phone call. No one knew what to do or how to help me other than just saying they apologize for the inconvenience. I'm infuriated at Ally Bank 's actions and am at a loss of what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have false Hard inquiries on my equifax report. I called them, I was told to contact creditors. I did. They could not find me in their systems, because I had never been a cust., and had never applied for anything. They said to call equifax and file a dispute. Equifax said the same thing again, nothing they can do, you can't dispute a hard inquiry, call creditors. I did that again. I have spent 4 hours on the phone and have gotten nowhere. It is a continuous circle. With no recourse. Exquifax also has my address wrong. They said that one creditor must have had the info. wrong when they updated my info. One out of 6-7 has it wrong so I am locked out of Equifax website. To correct it it takes an act of congress. How can one mistake, by one group mess me up like that? The biggest problem with dealing with equifax is the call center they use doesn't have people that speak good enough English to understand what I am trying to ask. They just keep repeating the answer to an irrelevant question, with no help of any kind. It is infuriating, someone somewhere has to be able to help me correct my report.
Product: Credit reporting or other personal consumer reports

I would like to file an FTC report asking that all negative items be removed from my credit report based on the fact that my credit information was leaked during a data breach.
Product: Debt collection

Good evening, I have provided a dispute under the Fair Credit Reporting Act towards the amentioned originator of the previous debt owed and was granted to have the report dismissed from record. However, another company has bought the debt previously as well, which appears both companies were reporting negatively. 
My issue is if the originator tends to dismiss the debt and clears my name therefore I feel the second company should clear my name as well since the debt is no longer owed as it has been removed from the credit report. It appears this would fall under double jeopardy on this case. 
I respectfully request to look into this matter and possibly take appropriate course of action regarding over this matter. 
Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some listed accounts have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter about the late payment on my credit report and experian sent info saying it was verified. I didnt ask them to verify the info I asked them to remove the late payment based on consumer laws. I then sent a asking them to give full details of there investigation. and according to consumer law they have 12 day to respond. they recieved the letter askingfor the details on XX/XX/XXXX and they have 10 days to responed to with the details of their investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of late payments on my credit report. I have contacted the companies regarding this late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For many years my phone number has been associated with a debtor. Each company eventually sells the debt and then that collection agency starts calling me looking for someone named XXXX XXXX XXXX spelling )? I have tried unsuccessfully to get each company to remove my phone number, but they wo n't.
Product: Vehicle loan or lease

Have spoken with 5 separate representatives in regards to the return of my {$4500.00} security deposit. I was told this was 14 business days after lease turn in. Then, the next rep said 14 business days after Volvo closes the lease account, then it was due to a holiday. Come to find out we are at 30 business days now since the vehicle was returned and my check has not been issued as of today per the representative. 
Whats the hold up? I held up my end of the contract, why cant VCFS?
Product: Debt collection

On my  XXXX  &  XXXX  report s Midland Funding Credit is c ollecting on a debt from    X/XX/2012      this is when the debt was charged off. I had medical issues & the original creditor was  XXXX . This was for a computer that was returned to the company that did not perform properly! No w Midland is REAGING t his debt on my credit report. I am getting harassing phone calls at home and on my cell day and night! Please help.   Thank you.
Product: Checking or savings account

On Saturday XX/XX/XXXX I opened an account at a Bank of America branch and deposited a payroll check for {$14000.00}, withdrew {$4300.00} and deposited the {$10000.00} which the teller told me since the check was drawn from the same bank ( Bank of America ) that there was no hold but take one business day to clear.  Monday morning I find out that b of a is closing my account with out giving me a reason ok thats fine. Im requesting to withdraw my funds of {$10000.00} since they decided to close the account. They put a hold on the check thats already been partially paid to me until it clears and are telling me now its not going to clear until the XX/XX/XXXX. Why is it taking so long to clear a check they issued and originally told me would clear Tuesday XX/XX/20. I am XXXX and need the cash to move as well as help my father with XXXX XXXX and medicine. There is no fraud, no overdraft balance nothing that I did to cause this. I was advised by them when I took the check into the bank that I couldnt cash the check because of the amount was to high as a non customer and they had me open an account to cash the check and then two days later decided to close the account and hold my funds. If I would have known that was going to happen ( remember the teller told me no hold and by Tuesday midnight it would be in there cleared. ) I would have taken the check to my bank so the put me in this place essentially and are now holding my money on a fictitious reason.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Equifax for its failure to properly investigate my recent dispute regarding inaccuracies on my credit report. Despite providing all necessary documentation and evidence to support my claim, Equifax failed to conduct a thorough and adequate investigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Under the FCRA, credit reporting agencies have a legal obligation to investigate disputes in a timely and accurate manner and correct any errors found. Equifaxs failure to meet these obligations has resulted in continued inaccuracies on my report, causing harm to my financial standing and opportunities. 

I am requesting immediate corrective action, including a proper investigation of my dispute and the correction of any inaccurate information. Additionally, I seek confirmation that Equifax will comply with all legal obligations under the FCRA moving forward. 

Please respond promptly to this complaint and provide a detailed resolution plan.
Product: Credit reporting or other personal consumer reports

Ive asked for Debt Validation Letter as I am disputing the claim that over {$900.00} was charged off as my only records are from my exs bankruptcy trustee, and show the balance of the creditors XXXX paid in full. I do not show any outstanding balance records. Furthermore, I was not notified AT ALL regarding any outstanding balance, not even once. It showed up on my credit report and that is the one and only reason I found out about this! My calls and emails to GreenSky have been met with replies such as well, thats what our records show or the charge off the charge off will disappear if you just pay the balance, but still, I have no detailed information regarding why the balance even exists, and why I wasnt even given the common courtesy of being notified about an outstanding balance. 

I have not received a single thing from the company since XX/XX/XXXX! All I have for records is the bankruptcy trustees final accounting statement showing GreenSky was paid in full based on the amount claimed in your Proof of Claim submitted on XX/XX/XXXX by XXXX XXXX. I have never once been notified firsthand about anything. Not one letter saying there was any amount outstanding, let alone sent to collections and being charged off! 

As Im sure you can imagine this is quite detrimental to my almost perfect credit score! Plus the fact that I was never notified firsthand about anything before green sky unilaterally decided to charge off whatever this unpaid balance was is extremely frustrating. Receiving emails that keep saying your records dont match our records is not at all helpful! 

I shouldve been notified and given an opportunity to discuss this long before it EVER hit my credit report, and again, I have never been contacted ONCE! All information I have is through a third party, and I only was notified about it in XX/XX/XXXX, because there was an alert through my bank about my credit score changing. Thats unacceptable! 

Finally, my position with the federal government is now in jeopardy because of this situation. I just can not believe I wasnt even given an opportunity to know what was happening.