23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019 I received an alert that a negative trade line from XXXX XXXX XXXX was reporting to my credit reports. I closed all my XXXX accounts back in XX/XX/2019. This purported debt is from transactions after my account had been closed that were not authorized by myself. Moreover, I never was opted into ANY overdraft protection with XXXX. Further, under TILA, the Michigan Collection Practices Act, Michigan Occupational Code, and the Truth in Lending Act, XXXX has not provided me with any statements, disclosures or the like regarding this alleged debt. This alleged, fraudulent and incorrect account has caused my scores to drop over 100 points, and is preventing me from closing on a loan. 

Lastly, I have filed a police report with the XXXX XXXX Police Department, and XXXX  and XXXX have refused to block this information as required under law.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Product: Money transfer, virtual currency, or money service

I order items from an approved PayPal vendor and did not receive my goods. The vendor no longer is communicating with me. I reached out to PayPal and disputed the charged on XX/XX/2022. PayPal said I would have my money back within 10 days. I've reached out to PayPal multiple times because they keep closing my case and and reopening it and saying it should be 10 days until I get my money back. The date is XX/XX/2022 and I just received another email of them denying the money they owe me.
Product: Prepaid card

My card and funds was stolen and I filed a dispute with XXXX on XX/XX/year>. I was told I had to write a letter to be granted a provisional credit while an investigation is conducted. I am writing this complaint before I submit letter so this claim could be governed for constructive fraud. I dont feel my claim will be investigated in a due process manner.
Product: Mortgage

My husband and I bought a house in XXXX. Our first payment was due on XX/XX/XXXX. We were given a letter dated they XXXX of XXXX that our loan was transferred to XXXX XXXX and will be serviced through Newrez. We got it the day before our first payment was due. At this point we were already set up for payments with XXXX XXXX so thats who we paid with. They said we could pay them up until the XXXX. After that we pay Newrez. We let Newrez know and gave them to confirmation number on the 1st after we made our payment. They said the transfer of payment would take 7 business days. My husband called a week later and that person told him it would take longer. He called two more times each following week, and it was still not complete. I called on the XXXX of XXXX and that person told me they would initiate the transfer and it would take 72 business hours. I called back on the XXXX of XXXX and that person told me every attempt to transfer was canceled due to insufficient information. She said she could talk to a supervisor but there was nothing more I could do. At this point we have letters saying we are late and our XXXX payment was applied to XXXX. We have another letter saying we would get a late payment if we dont pay by the XXXX. I called today and that person told me we needed to provide a screenshot of our account showing we paid the other lender and it was not returned. He said it would take 7 days to complete. He also said that there was something sent to the credit Bureau. I thought we had a 60 day grace period for any credit reports or late fees, which would put us at the end of this month. And in reality this should not have taken this long to fix. I am not sure I trust that this will be taken care of since this is the 3rd person Ive spoken with, my husband spoke to 4 people, and it still isnt resolved.
Product: Credit card or prepaid card

This is regarding a Citi Bank credit card. I do my banking online. When i noticed a slight increase in my interest changes on my latest statement, I looked at my online statements and noticed an increase in my standard interest rate from 15.24 % to 29.99 %. I have promotional rates on my account that remained unchanged. I reviewed all of my statements leading up to the increase and saw no notification of a rate change. Citi said it changed on XX/XX/2019. They say that 29.99 % is a penalty rate. The account has never been paid late, nor gone over the limit.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. 

I have sent your company many letters requesting that you investigate these inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. Please investigate the following : XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX Inquired on XX/XX/year> & XXXX Inquired on XX/XX/year>XXXX XXXX
Product: Credit card

I PURCHASED A TICKET FOR XXXX/XXXX/2016 XXXX XXXX FLIGHT XXXX TO XXXX XXXX, IT WAS CANCELLED AND XXXX REBOOKED ME ON XXXX FLIGHT XXXX TO XXXX XXXX. I ORIGINALLY BOOKED XXXX TO AVOID BAGGAGE FEES WITH MY XXXX CREDIT CARD. I INCURRED {$50.00} IN FEES WITH XXXX. XXXX INFORMED ME I NEED TO CONTACT MY XXXX CREDIT CARD FOR REIMBURSEMENT. THE FORM CAN NOT BE COMPLETED ONLINE BECAUSE OF THE XXXX TICKET NUMBER. I SUBMITTED A FEEDBACK REQUEST FROM XXXX ON XXXX/XXXX/16 CASE ID XXXX AND HAVE RECEIVED NO FOLLOW UP. WHEN I CALL THEY CONNECT ME UNTIL THEY CANT CONNECT ME ANYMORE OR THE PHONE DISCONNECTS.
Product: Mortgage

Homepoint has sold the mortgage. I setup my account for direct debit. As a result, my payment was made timely this time. The time I had a mortgage with two different Homepoint ( s ). They provided late notification of loans transferred and change in escrow. I continue to believe my timely record of payments are correct and Homepoint never accepted responsibility for the shortfall one month due to poor notification of escrow. They have also blocked me from their website.
Product: Credit card

On XXXX/XXXX Bank of America contacted me about unusual activity for {$14000.00}. The fraud department is the one that called, kept me on the phone for over two hours. At the end they told me to go to the branch to reverse the charges which I had to be identified and spoke to the fraud department again on XX/XX/XXXX and XX/XX/XXXX. They reversed the charges and submitted a claim. 

Now on XX/XX/XXXX they denied the claim and the fraud charges. They are the ones that contacted me stating about the unusual activity and I had to close my checking, savings and change my username and password on online banking. I called the fraud department again on XXXX as to what happened and all they told me is that the denied the claim and the charges that are fraud are my responsibility to pay. I reopened the claim again stating I did NOT make these charges nor I will pay. 

I need help as I dont understand they are the ones that contacted me and yet denying the fraud charges now making the payment my responsibility. I am a XXXX  and work full time and I dont have time with the banks nonsense when I have patients to take care of.
Product: Vehicle loan or lease

Santander was part of the multi state Attorney General lawsuit. My loan was part of their predatory lending practices. They are and where suppose to remove the default off all credit bureaus. I have contacted multiple times santander. It's on their recorded lines deny to transfer to supervisor being nasty and or stating no we aren't doing basically what's legally required for customers following the lawsuit unless they mail the credit department asking for it. Luckily I already already have but they are still denying it and will not resolve. I know two people personally that they owe the title they are delaying tocollect money still and doing similar illegal tactics.I mailed a certified letter also to the creditor who bought the debt they refuse to acknowledge comply and harras me illegally. Santander thinks they are above the law and continue to practice predatory loan practices take advantage of consumers XXXX  account number : XXXX Take care of your XXXX XXXX  XXXX, XXXX ( current creditor of your original Santander Consumer account ) balance today. 

We understand that debt can be stressful. Your {$11000.00} balance with XXXX XXXX XXXX, XXXX ( current creditor of your original Santander Consumer account ) may be one of the many things on your mind. 

Work with us to set up a payment plan that works for you. 

Sign up for a plan today and mark one thing on your list as done. 


Sign up for a plan This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 


Copyright 2020 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your XXXX  account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with Santander Consumer, account number ending in XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I made contact with someone on XXXX who was selling a XXXX. 
On XX/XX/2021 I made a XXXX dollar XXXX transaction. 
On XX/XX/2021 I filed a claim through wells Fargo to hopefully get my money back because I was fraudulently scammed. 
On XX/XX/2021 I was told they can't get my money back.
Product: Debt collection

I was involved in an auto accident with my son in 2021. When they officers arrived they call the ems when the ems arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because Augusta Collection Agency Inc is now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX Sheriffs Department ( the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.
Product: Debt collection

Portfolio Recovery is attempting to collect for : XXXX XXXX XXXX   XXXX the alleged balance due is : {$760.00}. I never received a notice from the collection agency, written nor otherwise regarding this debt and was never given the opportunity to dispute or ask for validation of this debt pursuant to the Fair Credit Billing Act and the Fair Debt Collections Practices Act. Also, Pursuant to the Fair Credit Reporting Act ... this information was placed on my report without verification by this agency, which is a violation of the Federal law and my rights as a consumer. I have no knowledge of this account
Product: Money transfer, virtual currency, or money service

Multiple People have been unable to send me money with Zelle for month. Zelle says it's a bank problem, XXXX XXXX XXXX XXXX XXXX  says it's a Zelle problem. Neither will help me. 

XXXX. I registered my phone number and email at XXXX to receive funds via Zelle, but no payments go through. XXXX says that my phone number/email are registered to another financial institution in Zelle and they are unable to help me as Zelle will not share that information because of consumer privacy. 

XXXX. Zelle says because I'm using XXXX they are unable to help me and I have to talk with XXXX. 

This has been an ongoing problem for 3 months now. 

Phone XXXX Email : XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with TransUnion over 15 times about a negative XXXX XXXX dealer services that's on my credit report in every dispute I requested a reading sign contract with my signature on they have failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair credit reporting act I want this account deleted ASAP do to them violating my rights and the Fair reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial is reporting Account # XXXX for {$9100.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this XXXX to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with XXXX and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided an Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address indicating that the account is not my account. XXXX has denied to release the results of their investigation as well as denied the deletion of the account from my XXXX
Product: Debt collection

I believe the account is invalid. XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting old and outdated information that is appearing on my credit report. According to the Fair Credit Reporting Act negative information can only appear on my credit report for 7 to 10 years. These are the items in question. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

breaching promissory notes HOA FHA Federal Housing Administration ( FHA ) .breaching promissory notes JP Morgan Chase Breach of contract .In XXXX i missed a payment XXXX i paid up to XX/XX/XXXX XXXX, and XXXX In XXXX after asking and filling out for repayment i was denied but Chase put me on Forbearance for 3 months to catch that one payment up i could not been behind no more XXXX  or less, i paid little over XXXX   before the Forbearance but i broke the Forbearance and Keep paying XXXX XXXX XXXX i did this up XX/XX/XXXX .In XXXX i had XXXX bank and i had Alert my account was used unauthorized i checked to make sure it was not purchase i made and it wasn't the payments for bill pay was put on hold Chase payment XXXX was return because the money was on hold. I made payment XXXX as soon as i noticed it but Chase put the payment on XXXX i tried to tell them they no payment due for XXXX i paid it .but it put me payment behind Never got it fixed they was right you are wrong even though i sent proof to them. Then in XXXX i made payment and XXXX, XXXX, XXXX in XXXX i looked on my account i was 3 months behind, for XXXX, XXXX, XXXX, I sent proof the Chase by secure message .by mail, and XXXX  XXXX over night several times to both case workers with loan number on bank statement and signed, directed to them they got them no matter how hard i tried Chase would come back with different loan and different payments .In XXXX i made a payment XXXX they gave credit for XXXX but it went for Franchise Fee 's not any of my payments i made .I did talk to one rep he said you owe under XXXX i ask for proof of that i got letter from Corporate Office XXXX XXXX then the balance change to XXXX i never was behind that much when i was paying XXXX XXXX XXXX and XXXX on payments they said i missed and i tried to prove the wrong but it fail. They have committed Escrow Fraud, they sent me balance .it was XXXX XXXX XXXX to XXXX -- XXXX then XXXX, XXXX to XXXX .then XXXX. XXXX to XXXX with balance due XXXX they can't due that each year goes to taxes and insurance then a new year starts. that Fraud. In XXXX i paid little over XXXX in Escrow but they say don't see it. In XXXX i paid over XXXX in Franchise Fee 's but they said they don't see it on my account? In XXXX of XXXX they got loan HOA XXXX FHA i more less forced to take it or loose my home when i paid down to 17 years. Chase removed the XXXX and placed it in XXXX the Breach of contract. Chase sold my loan and transferred XXXX to XXXX XXXX  and keep the XXXX that Breach of contract in Mortgage XXXX XXXX XXXX XXXX Chase is longer Service my loan and sold it as soon as they got the XXXX in XXXX they won't answer about the Fee 's but they was selling my loan in XXXX and using my payments to pay for attorney that is Fraud. account XXXX I draw XXXX they took ever chance they could. They broke the Mortgage Recovery Advance Note of XXXX that should be returned to HOA FHA, i never revived it and Chase keep it when they sold my loan.,
Product: Money transfer, virtual currency, or money service

I made a purchase via XXXX for an XXXX on the XXXX of XX/XX/2021. The description says the phone is unlocked but unfortunately its locked and I cant use it. I reached out to the guy that sold it and he told me XXXX come replace it and didnt come and blocked all communications. I can not reach him again. I sent the money via XXXX  of {$230.00}. I reached out to my bank already and they contacted the receivers bank ( regions bank ) but no response yet. How can I get my money? Things are really difficult especially during the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX BANK CARD. The dates were XX/XX/XXXX2020, XXXX2020 XX/XX/XXXX-2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the remove of the late payments I am currently full current yet the late marks are killing my credit score I could use some accommodation to help protect my credit .The CARES Act calls these agreements accommodations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XXXX XXXX, 2017, that was advertised for {$5900.00} however I am being charged double and the down payment was {$500.00} however the dealer lied to the bank in order to get a sale that the down payment was {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. Experian stated that the company has verified the account. Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. The original creditor does not report the balance that's reporting on my credit report. I also sent you a copy of the PLAINTIFF 'S NOTICE OF NON-SUITS stating that the company XXXX XXXX dismissed all claims against me. I will attach it for your reference again. Please remove these accounts for failure to verify : XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I was at the farmers market attempting to use my credit card when it was being denied by vendors at the market, I checked my bank statement and saw multiple unauthorized transactions on my bank statement that occurred on XX/XX/XXXX for {$520.00}. 

I contacted Bank of America on XX/XX/XXXX to report the unauthorized transactions occurring on my credit card, so they could cancel the card and start a fraud claim on XX/XX/XXXX. I spoke to a representative of BoA who reassured me that they would take care of everything. 

On XX/XX/XXXX I logged into my mobile banking and saw that my card had never been canceled by Bank of America and that a fraud claim was never filed on XX/XX/XXXX by the representative of Bank of America. The card had been used from XX/XX/XXXX to XXXX during that time by whomever was committing the fraud and spent {$10000.00}. i put a hold on my card through my app right away and called Bank of America to cancel the card and tell them these charges were fraud. the claim was then started on XX/XX/XXXX. 

Bank of America denied my claim on XX/XX/XXXX, on the basis that the chip was read, my pin was entered, and/or I signed for the merchandise or service. Which they claim indicated that I or someone I know was allowed to use my card was present.

After the claim was denied the first time I contacted Bank of America again to dispute the denial of the claim.

The claim had no record that I had called on XX/XX/XXXX to report the card as having unauthorized charges on it, even though i have proof and an email survey of the person i talked to on XX/XX/XXXX, and that was not factored into the decision of denial of my claim, even though it clearly showed negligence on of Bank of America for not canceling the card and allowing someone to continue to use it without authorization. also negligence on their part for never texting or calling me when this person was spending thousands of dollars! i never was alerted once.