23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, USPS delivered a letter of correspondence to my home address from U.S. Bank Home Mortgage company requesting a W-9 Request for Taxpayer Identification Number and Certification. I DO NOT HAVE A BUSINESS, and WILL NOT SIGN OR CERTIFY that I have a business as requested by U.S. Bank. In contacting U.S. Bank three times on XX/XX/XXXX, this mortgaging company FAILED TO BELIEVE ME that I DO NOT HAVE A LICENSED BUSINESS. I spoke to the front line customer service rep. informing him that my 'part-time seasonal business of XXXX   XXXX XXXX XXXX was TERMINATED legally with the IRS as of XX/XX/XXXX ' ( home based business ENDING XX/XX/XXXX ), and that I will NOT admit to owning or operating any business now with completing the W-9. U.S. Bank made every effort to manipulate me into putting my Social Security Number on the W-9 Form, Signing it, and returning it. The IRS informed me by doing so would be admittance to owning a business, after confirming that the IRS NEVER CONTACTED U.S. Bank requesting that the W-9 be completed. 

U.S. Bank letter dated XX/XX/XXXX states, " The Internal Revenue Service ( IRS ) requires that we obtain verification of your Taxpayer Identification Number for your account. '' I DO NOT HAVE A TIN and I can only assume that U.S. Bank means my mortgage account with them. U.S. Bank goes on to write, " Please note that the IRS requires you to provide us with your correct Taxpayer Identification Number and that you are subject to {$50.00} penalty imposed by the IRS under Code Section 6723 if you fail to provide us with a correct Taxpayer Identification number. '' The IRS NEVER Contacted U.S. Bank, and per the IRS Clause of Confidentiality, the IRS would NOT access a penalty fee. U.S. Bank is acting Fraudulently by LYING that the IRS requested this W-9. The IRS NEVER REQUESTED THIS W-9, would not share my information to any 3rd party without written permission from me. 

U.S. Bank is fraudulently LYING to purposely gain money of {$50.00} from it's mortgagee ( s ), THREATENING me, the customer with an IRS fabricated LIE. 

Again, I do NOT have a licensed business or any business, and my former XXXX XXXX XXXX XXXX business was terminated in XX/XX/XXXX. I will NOT sign a legal document of the W-9, admitting to a business when I do NOT own a business now and NOT for the last 12 years. 

U.S. Bank should be sued for LYING by claiming the IRS requested this information, when the IRS never contacted U.S. Bank, and should further be penalized for falsifying and threatening an account holder of an IRS Penalty of {$50.00}, when this claim was solely created by U.S. Bank.
Product: Credit card or prepaid card

I filed a dispute with Bank of America on XXXX.i informed Bank of America that I am disputing their claim.moreover I requested that Bank of America supply me with copy of the contract with my authentic signature.Bank of America never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Bank of America failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be fixed/updated. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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

Inquires were removed and re-inserted without any notice or reasoning : 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: Debt collection

The statute of limitations for this debt from XXXX should apply. Jefferson Capital Systems , LLC has tried collecting on an old debt purchased from XXXX XXXX XXXX  through a collections agency XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement. 

XXXX XXXX XXXX XXXX has maintained that the debt is from XXXX and that they will cease collection efforts for the old debt.
Product: Credit card or prepaid card

I gave access to XXXX XXXX XXXX to my XXXX XXXX and XXXX XXXX credit cards to transfer funds to me. I got cash advances and wrote balance transfer checks and XXXX XXXX   XXXX agreed to make payments to the credit card companies to pay for the withdrawals. They made payments initially but then reversed the payments. The reversals resulted in my card credit limits being exceeded by a factor of 3.5. XXXX XXXX notified me that my card account had been closed and that the balance was - {$170.00}. I requested them to send me a check to take the balance to XXXX  and they did. Shortly after, the balance went to - {$25000.00} after XXXX XXXX  XXXX reversed their payment. The credit limit on the account was {$17000.00}. The credit limit on the XXXX account was {$20000.00}. The balance soared to {$72000.00} after XXXX XXXX  XXXX reversed their account payments. One payment that was reversed was for {$52000.00}. XXXX XXXX   XXXX took similar actions with my Discover Card account. The account credit limit was {$20000.00} and the account balanced soared to {$57000.00} after their account payments were reversed.
Product: Debt collection

On XX/XX/XXXX I filed my 1st CFPB complaint XXXX against XXXX for attempting to collect a debt not owed upon receipt of a letter XX/XX/XXXX. I moved out of the XXXX at XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX was onsite and witnessed the movers taking my things out of the XXXX XXXXXXXX. I turned in the keys to the front desk receptionist after I completed my move on XX/XX/XXXX. I am continuing to receive current monthly rental and lease charges in the amount of {$2000.00} per month plus late fees and charges from Conservice 3rd party billing service the rental property uses. I am concerned about this attempt to collect a debt I do not owe and the negative impact it has on my credit. The actions of XXXX and XXXX at XXXX XXXX is unlawful, deceptive and unfair business practices. Such action is illegal and should be stopped. I disagree with XXXXXXXX XXXX response to CFPB XXXX " National Credit Systems , Inc. is a third-party debt collection agency that is collecting a debt on behalf of The XXXX at XXXX XXXX XXXX. Charges were not assessed by XXXX. XXXX XXXX has disputed her debt, and XXXX has submitted her dispute to the CRAs as required by law. The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed. If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. '' I provided a copy of the inspection report that clearly states the date I moved out of the unit. XXXX failed to review this evidence. XXXX lied to CFPB that they were working on a response. However, I received a threatening letter XX/XX/XXXX which I attached to my 2nd CFPB complaint XXXX that was closed as a duplicate. I attached a copy of the threatening demand letter for payment of debt I did not owe from XXXX. I am filing this 3rd CFPB complaint in view of the recent letter I received from XXXX with its proposed resolution amount of {$4200.00}. I am very concerned and upset that XXXX and XXXX XXXX XXXX d/b/a The XXXX at XXXXXXXX XXXX  continue in their deceptive, unlawful and unfair business practice. This business practice should not be allowed to continue. I am referencing my 2 CFPB complaints in this 3rd complaint because it depicts the company 's deceptive, unfair and unlawful business practice in trying to collect a debt that I do not owe in spite of having provided evidence to the fact that I moved out of the unit and turned in the keys. I do not owe the debt and all debt collection should cease forthwith and with immediate effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and TransUnion credit reports are having trouble correcting false information that XXXX XXXX has imputed to my credit reports. I never had 2 loans with 2 sets of identical data ( late payments from XXXX XXXX XXXX to XXXX of XXXX ). The story starts off with me disputing the Late payments on ONE ACCOUNT with XXXX XXXX  that resulted from XXXX purchasing loans from XXXX XXXX XXXX XXXX. The LATE PAYENTS were resolved and erased from my XXXX report. Unfortunately TransUnion and XXXX are still showing the late payments AND AS TWO DIFFERENT LOANS but with identical late payment information. As you can imagine my credit scores on these credit reports are HAVING A DOUBLE EFFECT because of this error. I've send several CERTIFIED LETTERS XXXX XXXX but to no avail. IN SUMMARY, XXXX XXXX somehow can't understand the showing two loans ( one that I never had is a violation of the Fair Credit Reporting Act! I've called representatives there and they can not seem to UNDERSTAND that i never had 2 loans BESIDES THE ONE THAT WAS PURCHASED FROM XXXX XXXX XXXX LAST YEAR ( XXXX XXXX Loan Number XXXX ). Therefore, i have 2 sets of late payments for the same months ... .the other loan they are reporting is under the titles of PERSONAL CREDIT PLAN or XXXX XXXX XXXX XXXX XXXX ( WHICH I NEVER EVER HAD ) but you can tell from the report that reporting data and lates ARE the same even though they are listing two different account numbers. So i'm alerting the CFPB before i reach out to my attorney and costs me money. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I spent {$800.00} purchasing a Moneygram money order at a XXXX store when I was traveling in Rhode Island. The purchase fee is {$0.00}, and the amount on the money order is {$790.00}. I have the receipt from XXXX and the original money order in my possession. 

On XX/XX/2018, I used the mobile app of XXXX XXXX XXXX to mobile deposit the money order into my checking account. I thought there's no problem with this money order. However, on XX/XX/2018, I received a phone call from XXXX XXXX XXXX saying that my checking account has a negative balance because Moneygram only pays {$11.00} for the {$790.00} money order I deposited on XX/XX/2018. 

I called Moneygram to get clarification on this issue. The representatives I have talked to include XXXX, XXXX, and XXXX XXXX XXXX works for the paper product 2 department, escalation department for money order concern XXXX. They checked their system and insisted that the money order only has {$11.00} on it. How could that be possible?? I have the money order in my possession right now. It clearly has {$790.00} printed on it. I also have the receipt showing that I paid {$800.00} for the money order using debit cards. What's wrong with Moneygram 's system? Where did my money go? I purchased a {$790.00} money order but got paid {$11.00} by Moneygram. Where did the difference {$780.00} go? Moneygram representatives are not willing to help. I need the money to pay my rent!!! This issue has been making my life miserable. I can't focus on my job and I have to worry all the time about where my rent money comes from. 

Here 's some detailed information about the money order : serial number : XXXX Amount : {$790.00} purchase date : XX/XX/2018 purchase location : XXXX store, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX XXXX  store manager : XXXX XXXX XXXX  phone number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the account XXXX  # XXXX, that was deleted from my Equifax Consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights. Such violations have caused my Fico score to drop significantly and has hindered my ability to attain credit products. 

1. This account reappeared on my Equifax report on XX/XX/2021. I have not received any documentation that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion 1. Violation FCRA 611 ( 5 ) ( B ) ( i ) and 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. Violation FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX after XX/XX/2021 and between XX/XX/2021 when the item reappeared. 

Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA if this item is not promptly deleted from my Equifax credit profile. 

I urge that you make Equifax aware of the amount of compensatory damages that I am owed as a result of their negligence and FCRA noncompliant behavior.
Product: Credit card

I have revoked, rescinded, extinguished and annulled any and all authorization I may have given Wells Fargo to share my nonpublic information. Furthermore, I have revoked all security interest I granted to them on securities on deposit with them, ie, the Application for the Credit Card, which they have been trading and selling on the secondary market without sharing the profits with me nor applying the proceeds to the account. 

Regardless, they are inaccurately reporting my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded Equifax verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed ..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

I received a text message on XX/XX/2022, that a credit card from Bank of America was approved and sent (??? ). I never applied and checked my lock and alert account with XXXX by logging in and calling. I was advised my credit report was never accessed within the past few months. Then on XX/XX/XXXX, I received an e-mail that the credit card was on the way, but I started my vacation in XXXX at my sister 's house. Also, XXXX ( XXXX to XXXX XXXX ) notified me about changes to my credit status the same day. On XX/XX/2022, I called the number in the e-mail provided by Bank of America. I validated my last 4, which confirmed an account was opened that I never made an application to. The person wanted to validate me by providing more PII information. I was not certain if they were scamming as well. I was then told to visit the nearest Bank of America Branch to validate myself there, and they would call the fraud department. I went to the nearest branch in XXXX, XXXX, and spoke with a customer service rep after waiting 45 minutes. It was confirmed that the card was opened in my name and being sent to an address in Florida, which is not in my previous history. The Representative implied my current physical address to the fraud agent, indicating the perpetrator was using a XXXX XXXX XXXX Nonetheless, Bank of America issued credit in my name without a credit report and sent a card to an address that is not in my history. This gives an indication of an insider threat, who may have received my PII from previous breaches ( XXXX & XXXX ). The concern is Bank of America provided credit in my name while my credit report remained locked and more concerned, and sent a credit card to an address that is not in my history. Indeed, my information is floating out there due to no fault on my behalf. However, having a frozen credit report serves as a layer of security to prevent future fraud, which Bank of America is either compromised by insiders or derelict in securing their information systems to allow credit cards to leave their organization without proper validation processes.
Product: Credit reporting

Experien never initially followed proper investigation. 
This is after my wife and i applied home equity and as loan was ready to close with XXXX loan # also we applied. XXXX. Line of credit with pffcu denied all denied to experien XXXX XXXX updateing my file as a short sale. How is this short sale? Answers please
Product: Debt collection

Debt popped up on my credit report, I contacted company showed proof the payment was paid. They refuse to remove it. I had the hospital and had the hospital contact agency and they refuse to remove. This agency should not have my medical records.
Product: Credit card

I made purchases on my XXXX Chase account with the option of XXXX  month or XXXX  month pay. I was told that the full amount would drop off the account during the next billing period and then would go to monthly payments. I received my statement and nothing fell off! I called them today and they said that they keep the full balance charged to your account and then you just make monthly payments. That is a bait and switch and isn't a payment plan. That is essentially charging me XXXX. They gave no resolution to this issue other than raising my credit limit. That isn't what I wanted. 

This was for a total of about {$500.00} on XXXX for several purchases over a week using XXXX Chase.
Product: Vehicle loan or lease

I have had an auto loan with Capital One for 5 years and have never been 30 days late. In XX/XX/2017, I mailed a payment at the post office that was intercepted and cashed by an individual I do not know. I was not aware of this until a month or so later when I received my next statement. Nobody at Capital One called me to notify me that I was late. As soon as I became aware I filed a police report and a report with the postal service. I also immediately sent payment to Capital One to catch up on my debt. I notified Capital One via phone and mail that this was a fraudulent event and that I had the copy of the check and police report to prove it. I sent them copies of both. After nearly a year of complaining to several people in the company, including sending certified letters to XXXX XXXX and XXXX XXXX, I have been completely ignored other than a CSR telling me there is nothing that can be done and a letter stating the same. Capital One is violating my rights as a consumer to be protected against fraud. After 5 years of making timely payments, they reported me late when they knew it was a result of fraud. As a consumer, it is nearly impossible to get this situation remedied because they refuse to allow you to have contact with anyone who has the ability to rectify the problem and send out blanket letters in response to everything. Capital One does not protect their consumers who are the victims of fraud.
Product: Credit card or prepaid card

This in continuation of my CFPB complaint XXXX I am still waiting to be credited back from the {$59.00} charge on my account from XXXX, after Capital One mishandled my complaint.Capital One refused to resolve my dispute against a charge against XXXX for {$59.00} on XX/XX/19, which I've worked very hard with them to answer all their questions to the best of my ability. Due to the nature of my dispute, I was unable to provide physical documentation -- as the reason for my dispute was based on a conversation over the phone with the merchant 's Customer Service, and Capital One re-billed me for the full amount on XX/XX/XXXX. 
Last time I spoke with them regarding this matter, I asked if they do not believe me, and they said it's not a matter of whether or not they believe me. They need to follow the guidelines of MasterCard ... All the agents must be trained to say this because I have heard about 10 different agents say this within the last 5 months. That is a bold-faced LIE. I have called MasterCard and told them they Capital One is saying this about them, and they stated that is false information -- That Capital One is their own company and they have their own policy -- And that MasterCard has NOTHING to do with their decision making process ... Capital One just doesn't want to resolve their customers ' disputes unless they're about unauthorized charges. They should not even have the option to dispute charges that were authorized if they're never even going to be in their own customers ' favor. My experience with Capital One over the last 10 months has been nothing more than unpleasant, time-consuming, and absurd ... The Federal Reserve should put them out of business, because they need to be stopped and no one 's doing anything about it. Are roughly a thousand complaints a day not enough?? 

I provided feedback onXX/XX/19 after they denied and closed my complaint with the CFPB that same day, which they've obviously ignored. I stated that they completely disregarded everything I stated in my complaint, just like they did in response to my first complaint I filed against them back in XXXX. The company advertises that they're there for their customers with their moto being, " We're here to help. '' But they're not. They will stand by the very businesses that their customers are disputing against no matter what they say or show them to back up their claim -- Including court transcripts that they paid {$600.00} for and a second opinion from a lawyer. Capital One is a fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found several inaccuracies in regards to my personal information
Product: Credit reporting or other personal consumer reports

XXXX and XXXX theft. I had no knowledge of these accounts.