23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a call from a XXXX XXXX ( Female ) on XX/XX/2022 explaining that she was from XXXX XXXX in XXXX XXXX XXXX and that a form was being delivered to me or my place of employment. If I did not respond or was not at home or at work it would be considered a direct refusal to comply and proceedings will move forward without me. She called from ( XXXX ) XXXX and left the number for the direct filing party at ( XXXX ) XXXX with a document number of XXXX. 

I called both numbers on three separate occasions and could not get clear answers to my questions. I was informed that it was a lawsuit from Wells Fargo for a credit card debt in the amount of {$1400.00}. They were able to accurately identify my cell number, my former home address, and my current address. I never received any documents and scheduled an appointment with Wells Fargo to conduct a deep dive into any past accounts held in my name. We discovered nothing. 

I also pulled all three of my credit reports and did not find any open accounts with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted CFPB earlier about this issue with Trans Union. You gave me the complaint ID XXXX. TransUnion claimed they got some bankruptcy information from a court in XXXX, FL. I wrote this court and they stated they never gave this information to TransUnion. 
I will include the letter sent to me by TransUnion and also the letter from the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ATTACHED INQUIRIES WERE REPORTED AS FRAUDULENT AND ALL 2 REPORTING BUREAUS REFUSE TO REMOVE THEM FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I took out a joint loan for a XXXX XXXX ' XXXX. After two weeks, I discovered that I was mislead and told false information to get me to purchase the timeshare which is considered illegal. After about 1 year of complaints, and time and money spent on a lawyer, XXXX XXXX agreed to take back there timeshare and stated in a contract that I will not be financially responsible for any late payments or maintenance fees. My husband and I have now disputed our credit file for the past 3 years trying to get our credit file to get this account removed or updated to have the past due payments removed off our account. I am not liable for any past due payments due to the signed agreement, therefore no late payments should have been reported on my account. I never paid this account late, I was told by my lawyer that XXXX XXXX canceled my account so I stopped paying believe everything was settled and complete. But I never received any documents from XXXX XXXX so I finally had to make complaint with BBB against XXXX XXXX, then I finally received a verbal and written letter that our loan and contract was canceled and that we will be no longer be liable for any past due and future obligations. We had to sign and notarize the letter. I have provided several documents of proof to Experian over the past 3 years and I always get the same answer regarding the dispute, file is reporting accurately. But it is not. When you call Experian, you either get a dial tone, someone who doesn't understand or you get transferred and sit on hold for hours. I would like the CFPB to please investigate my dispute with Experian, I just really need help in this matter. Our credit is being destroyed because of this one invalid negative item on our credit files.
Product: Credit card

The company is Bank of America and, in short, they are not in compliance with the Card Act of 2009 which requires that extra payments ( beyond minimums ) are to be applied to the highest APR interest rate regardless of balances.

They have the exact opposite policy. I have a high balance on cash advance. They say the amount of my total bill subject to cash advance interest rate ( 28.24 % ) is {$13000.00} and are charging me an additional {$320.00} ( as of XXXX ) each month... it goes higher each month because the amount of interest they charge is added to the balance. The total amount of cash advances I have made on this card, since the last time it was at zero is {$11000.00}. If you adjust for cash equivalency fees and the fees charged by the organization where I took the CA the total is {$12000.00}. 

I have a balance of {$3200.00} in purchases. They are paying off that balance first with anything extra I provide. 

The Cash advance balance is going up every month. Due to the higher interest rate my overall minimum due has gone up every month even when I don't charge to the card.
Product: Debt collection

Someone called my daughter at work trying to get information about me. Never got anything in the mail or they never called me personally.I am very sick and they scared her very much. If they never contacted me and dont even have any information regarding this debt it should be illegal for them to call my daughter when they have never sent me information or called me. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score was XXXX noe its XXXX and I want to know why?
Product: Debt collection

Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding Jefferson Capital Finance I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. I have called on XX/XX/XXXX to XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. I have received written response form XXXX and XXXX. The letters in response just states the accounts have been verified but no evidence of that. XXXX has no sent any responding letters. Only updated info online stating accounts accurate. I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different ACCOUNT numbers. Jefferson Finance has not responded to any request for validation information. Again seeking information such as signatures of loan, bank account info, addresses, payment history. Not just a letter stating accurate without showing proof of an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FairCredit Reporting Act XXXX XXXX has Violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose. 

15 USC 1681A ( 2 ) ( I ) reporting containing solely as to transactions or experiences between consumers and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information, This account clearly isn't mine. As requested, the company verified that the account was opened in a different name than mine. XXXX has refused to remove this account from my credit report and Equifax as well. 

The company has stated the account was opened XX/XX/2017 which means the inquiry would have continued to report on my credit report for two years. I have included the list of inquiries and this account is not listed amongst the inquiries. 

If Equifax and XXXX does not remove this unknown account from my credit report, along with the many other accounts that should not be on my credit report, I will forward my entire credit profile to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have been disputing fraudulent credit reporting for OVER a year now with copies of every single violation. And MANY that are still wrongly reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Paypal XXXX my account with over $ XXXX in the account. They made funds available for withdrawal on XX/XX/XXXX. They continued to give me issues that I can not withdraw my funds even after they said I could. After repeated attempts they continued to dodge my complaint and did not release my money. On XX/XX/XXXX they took all the money and sent it to themselves and never provided an explanation. This is outright theft. I will take legal action and arbirtrate this to get my money back. I want the CFPB to take action first before I do so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedLLY FINANCIAL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. 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

I moved into a home that did not have any current land lines running in the house, so I called XXXX XXXX XXXX and set up an account to have a home phone line. They were going to come out to actually install phone lines on the property so that we could have a land line home phone. They never came and put the lines on the property. I never had a phone set up to use. I was however sent a bill for the first day months service as if I did get a line set up and used. I call XXXX XXXX XXXX 10 times trying to resolve the issues and then they sent me another bill and I still didnt have the service they were charging me for. And I never had a land line or used any of the XXXX XXXX XXXX services I was being g billed for. I canceled the account with XXXX XXXX XXXX and never looked back, until, a couple years later, 5years, I get this app called XXXX   XXXX, and see that I have an account that has been sent to collections. I was unaware of this and now I need it fixed because its not my debt.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$480.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I applied for a UMB credit card per the invitation of a retailer that is a co-brand partner with UMB. Approximately one week later, I received a letter from UMB dated XX/XX/XXXX referencing application ID # XXXX. The letter stated I needed to fax them the following documents : 1. Utility bill ; 2. Government ID ; 3. Rental agreement ; 4. Social security card ; 5. Bank statement. The first, third and fifth documents needed to show my current address. I successfully faxed these documents to UMB per their instructions prior to their stated deadline. On XX/XX/XXXX I received a letter from UMB stating that my application had been denied and the only reason they provided was " Primary Phone Number. '' Federal law mandates that UMB must provide THE actual reason why my credit application was denied and that the reason must not be cryptic or nonsense. The law requires the reason provide the applicant with useful data that can enable them to understand and improve their credit. UMB has dismally failed to do this. I believe UMB is making their decision based on either XXXXXXXX XXXX  or other illegal discriminatory reasons. The primary phone number I gave is not in my name because it is part of a general phone service with multiple lines on my husband 's account. Also, because of XXXX practices, I do not share my husband 's last name.
Product: Credit card or prepaid card

FNB Omaha Credit Card closed my account without my consent. Had no issues with account, no late, no negative marks. Company proclaims previous discrepancies algorithms to determine closure. By doing this it may impact my credit report, my credit score has increased and improved, no real true reason but to close my account, other than coded remarks. Will never do business with this institution again.
Product: Credit card

I used the Synchrony Amazon Store Card. When it was time to make payments, I would go on the website and the website said " we are having technical difficulties and can not not access your account. Try again later. '' This happened 90 % of the time. It wouldn't let me access my account or look at statements. I incurred late fees, and each time I tried to pay, I would incur interest because it wouldn't let me pay them. CRAZZY.

I cancelled the account, and paid interest for the late fees.

This is an awful credit card, and the only time in my life ( I am XXXX ) that I have had this kind of trouble paying a card. I have an XXXX credit rating. 

I do not recommend this card to anyone. Avoid it!
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 accounts, 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 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: Mortgage

I have been trying to obtain a mortgage payoff letter for more than week from TD Bank, and can not get one. It is now putting my entire transaction at risk.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I went online to XXXX to purchase 10 clothing items total {$380.00}. One item was ordered twice on XXXX XXXX Refunded for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was sold out, You can choose something else with the similar price from our website. Just tell us the name/size/color of the item you want. If you do not need, we will issue the refund, wait for reply. 5 of the 9 items left were unavailable. I requested a refund for those items. The remaining 4 were received after 3 weeks. Ive repeatedly asked for my funds to be refunded. They were paid through PayPal I opened the dispute with then XX/XX/year>. Refund everything that isnt available. This has already damaged the relationship between us. Too long to receive and now this. Its safe to say this is my last time shopping with you. I will also share my experience in XXXX reviews as I am a consumer guide. 

On Sun, XX/XX/year> at XXXXXXXX XXXX XXXXXXXX wrote : Your package has been dispatched and I've just checked its progress. And the tracking information will update in few days. 

We would like to offer a 20 % discount code for your next order if you can choose something else to replace, ok? 

Tue XX/XX/XXXX XXXX XXXX 2024 '' XXXX '' XXXX : Cancel my order please. I was under the impression this company was based in the US. The name is very deceptive. The time has passed 10 days since I ordered and not getting what I ordered on top of that. Tracking number is not valid either. Scam!!!! 
Could you please close the dispute on PayPal first so that we can issue the refund immediately? 

Tue XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX '' XXXX : No, just cancel the entire order and refund my please. Thank you.I understand you are concerned about the refund however you have opened a dispute on PayPal so we are not able to process it. Could you please close the dispute on PayPal or the chargeback on your card first? Then we can issue the refund immediately. 

Wed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XXXX : No, I will not! 

On Tue, XX/XX/year> at XXXXXXXX XXXX XXXXXXXX wrote : Could you please close the dispute on PayPal first so that we can issue the refund immediately? 

Over a month later Im trying to get my money back from this company and PayPal for items I never received but have paid the loan for. I was to make 4 pmt to complete the purchase amount and the last pmt is today. I have not receive the money or my item last 5 that were not available XXXX has deceived me as a consumer and are refusing to refund my money for goods not provided and PayPal is trying to collect my money from them
Product: Credit card or prepaid card

XX/XX/2018 there is a 30 day report late company auto-paid and didnt inform payment was returned. Not notification or communication of late payment prior to showing on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

In XX/XX/XXXX, I applied for a Home Depot credit card while shopping at the XXXX XXXX XXXX. I never received the credit card in the mail but one month later I got three fraudulent charges on the statement. 

Three Fraudulent charges are : 1. XX/XX/XXXX Hardware purchase {$250.00} 2. XX/XX/XXXX Hardware purchase {$500.00} 3. XX/XX/XXXX Electrical and Lighting {$110.00} The XXXX Home Depot store was not even able to find the three transactions in its system. 

On XX/XX/XXXX after receiving the first statement showing the fraudulent charges, I called the Home Depot Credit Card Customer Services immediately and filed a dispute. XXXX, the customer service, canceled the credit card and provided a case number for this claim. 

In XX/XX/XXXX I received a statement for a different credit card account for the same three fraudulent charges. I called the Credit Card Service again. XXXX, the service representative told me Home Depot transferred the charges from the closed credit card account to this credit card. I do not even have that credit card. XXXX reopened the case for further investigation and asked me to call back. 

On XX/XX/XXXX, I called the Home Depot Security Operations and talked to XXXX who said the second account is still active but I told her I do not even have a credit card with Home Depot for that account. XXXX also informed me that one more account under my name is still active. I don't have those three Home Depot credit cards at all. XXXX closed the second and the third credit card account and gave me a confirmation number # XXXX. 

On XX/XX/XXXX, I received another statement with the same three fraudulent charges {$860.00}, plus fees {$29.00} and interest charge {$5.00} totaling {$900.00}. These charges showed up on the account I had closed with the confirmation number of # XXXX. 

How could Home DepoXXXX transfer the fraudulent charges to accounts that had been closed? 

In summary, the credit card I applied but never received had fraudulent purchases that I did not authorize in XX/XX/XXXX. The three fraudulent charges were transferred to a different credit card in late XXXX and then transferred to another credit card. 

All the facts shown above are proofs of serious identity theft and credit card frauds. I have tried to resolve this matter for over 6 months, but XXXX XXXX still claims I am responsible for the fraudulent charges. 

Your help on resolving this issue would be highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.