23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I paid XXXX for a fraud account because they kept saying I owed money. I then disputed the account as fraud and submitted a fraud package to their agency. Later, via this process with the XXXX  XXXX verified that the account was fraud and discharged the debt claiming that they notified their debt collectors WAYPOINT RESOURCE GROUP to cease and desist. However, yesterday on XX/XX/XXXX, XXXX put that same account back into collections and dropped my credit score ( despite me paying for the fraudulent account already ). This is an unscrupulous and shady practice to keep adding my name to collections when theyve received payment AND deemed the account as fraud.
Product: Credit card

I am writing to file a formal complaint against Discover Financial Services regarding serious discrepancies and mishandling of my account. 

I have requested that Discover stop reporting to the credit bureaus due to an inaccurate balance they claim I owe. This inaccuracy stems from multiple fraudulent charges on my account, which were not appropriately managed. When I reported being a victim of identity theft and a data breach, Discover failed to file a fraud claim instead, they incorrectly classified my situation as a billing dispute. 

Despite providing police reports and evidence of the data breach, no one has reviewed the over 140 fraudulent charges that were logged. My credit card account is now closed and pending charge-off, which is significantly harming my credit score. 

Moreover, Discover has charged me for transactions I had already paid, leading to a further inaccurate balance. This situation forced me to cease payments, as I can no longer trust the integrity of my account. 

I have previously submitted a complaint to the CFPB, but my concerns have continually been closed without resolution. I urgently need assistance in addressing these issues. I request that a representative from Discover contact me directly to review my transactions and rectify the inaccuracies so that I can reopen my account. 

Throughout my time with Discover, I have always made timely payments and have never missed any obligations. As a victim of a data breach, I am concerned about the numerous digital fraudulent charges that were not handled properly. 

Thank you for your attention to this pressing matter. I look forward to a timely resolution.
Product: Consumer Loan

My auto loan company took out a double payment from my checking account, and was authorized for XXXX payment. this has caused multiple overdraft issues and they continue to give me a run around in getting the error corrected and my payment refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXXXXXX XXXX XXXX   XXXX Inquiry  from XX/XX/XXXX XXXX Banks XXXX XXXXXXXXXXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )
Product: Prepaid card

I received three, XXXX XXXX  American Express prepaid cards as gifts. Over the last 60 days, I have attempted to used them at more than a dozen online and XXXX XXXX XXXX XXXX  that accept American Express, and they are uniformly declined. Several retailers have bent over backwards and tried processing them in all variety of ways, and the result is the same. I have repeatedly verified the balances, and all three have a {$25.00} balance. Even a cursory internet search demonstrates that this experience is nearly universal, and neither American Express nor their third-party administrator are of any help whatsoever. Indeed, I'm confident the CFPB has received numerous complaints of this sort. The only advice I was able to get from the American Express website is to purchase only items less than the available card balance. Not only did this not work, but even if it did, this strategy would guarantee I would be unable to use my entire balance. I've even tried to sell the gift cards on a third-party site, only to find they no longer accept AMEX cards for sale because of so many complaints. At the very least, the cards are merely useless -- -and at most they're a deliberate scam.
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 and privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXXt XXXX 15 U.S.C 1681c. section 602 A. States I have the right to privacy.

15 U.S.C 168 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) 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.
Product: Debt collection

On XX/XX/2021 I contacted R. A. Rogers, Inc in XXXX, MD to request documentation about the monthly payment plan I am on to pay off an auto debit from XXXX XXXX. I was told by the representative on XX/XX/2021 that because of the COVID pandemic I could not request this information from their company. Also, I was told that the company does not have an email address and can not send me documentation. I checked their company website and they do have an email address. Their statement regarding not being able to provide me with documentation because of COVID is false. I have contacted several debit collectors on XX/XX/2021 and was able to get documentation stating my payment plans. My credit has been effected because I am not able to provide proof that I am in a payment plan. I have reached to XXXX on XX/XX/2021 to get this resolved so my credit can be improved. I've noticed from R.A. Rogers ' reviews online that they have a habit of lying to their clients. Several people stated they R.A. Rogers said they did not buy off the debit from their original creditor ; I was told the same on XX/XX/2021. I contacted my original creditor, XXXX XXXX, and they said R.A. Rogers did buy the debit since they are a debit collector. I do not understand the unethical and false nature of R.A. Rogers. They respond to messages to these complaints in a rude manner as if the person trying to get information about what they are paying to them is the problem. I plan to seek legel action against R.A. Rogers if I do not receive the requested documents to improve my credit within 30 days or less.
Product: Debt collection

It started with this voicemail on XXXX/XXXX/2021 : They said I was being sued by Bank of America for a credit card I had canceled over 10 years ago. The amount was {$9000.00} but would settle for {$3900.00}. They said they sent multiple letters of collection intent but never heard back from me. 

The name of the company is XXXX XXXX XXXX. But it's confusing because when I called they also said they were a law firm : XXXX XXXX. 

Their phone number is : XXXX What was so concerning about this is they had my full social security number. 

I contacted Bank of America, but they couldn't find anything. I called the XXXX XXXX XXXX a few more times trying to figure out if it was a real company but they got progressively more impatient with me and eventually hung up on me. 

I would like to know how I can protect myself.
Product: Debt collection

When I moved out I never received an itemized receipt from XXXX XXXX. I never received proof of any of the extra charges they charged after I moved out. As a matter of fact I never heard from them after moving out at all. Next thing I know I have a collection account on my credit which severely affected my credit. The credit collector also did not send me anything about the alleged debt. Both parties are in violation of Texas law. Its well past the 30 day mark in which the property was to send an itemized list along with actual proof. And beyond the 30 days for the credit collector to send me anything.
Product: Checking or savings account

I was charged twice for a particular product at {$95.00} in which I did not authorize. The duplicate charge was a grand total of {$190.00}. Through an ad in XXXX in XX/XX/2019, I paid {$4.00} to XXXX XXXX in regards to a trial run for XXXX XXXX purposes. There was no indication in the trial offer that I would eventually be charged a subsequent amount of {$95.00}. This was a trial run only at {$4.00} with no other indication of additional costs. Approximately 3 months later on XX/XX/2019, a charge of {$95.00} hit my bank account. I then immediately called XXXX XXXX to inquire why was I being charged this amount when it was clearly indicated that the initial cost was a trial run cost only at {$4.00}. Their explanation to me was the first payment of {$4.00} was the cost of shipping only, whereas the actual cost of the product was waived to a later date. This explanation and scenario was not indicated in the trial run offer. In the meantime, three days later on XX/XX/2019, the full charge of {$95.00} hit my account again. So not only was I charged the full amount of {$95.00}, I was charged for that amount twice within 3 days. 
From that point, I called my bank, US Bank to dispute both subsequent charges of {$95.00}. On XX/XX/2019, I faxed to them the explanation of the occurrences, but the bank claimed after two attempts that they never received my faxes. They did however receive my 3rd fax on XX/XX/2019. This brings me to where I am today. My request to the bank is to have the duplicate charges reversed and refunded to my bank account, and also impose a reprimand on XXXX XXXX for their dishonesty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is my lendor for my vehicle loan. Last year I requested and paid additional dollars to place my account on deferrment on XXXX. They told me that this would not show negative on my credit reporting since I was on deferrment, however they listed me as being 30 days late on XXXX and XXXX of XXXX. I disputed this reporting. Then they came back and reposted my 30 days late for those months. I began a loan process for a home and had to remove the disputes so I could get the loan to go through without penalities or downgrading of my loan. I sent XXXX a registered letter to remove the dispute, after 45 days they sent me a letter stating the dispute was removed but it was not. I reached out to the credit bureaus to remove the dispute, both XXXX  and XXXX removed the dispute immediately. Equifax stated it would take 30 days, they would not escallate the removal of the comments. My lender is having to downgrade my loan, which increases my interest rate and my cost for the property. I would like for both Equifax and XXXX XXXX XXXX to be investigated and for them to be penalized for their LACK of actions as it is impacting my ability for this mortagage.
Product: Checking or savings account

I opened an account online with Marcus Goldman Sachs and my credit union would not transfer the large amount of money so Marcus Goldman Sachs suggested I mail them a check and it would just be deposited into my new account. 2 days After mailing my check that states my account number that funds were to be depositied into XXXX contacted me to inform me that they closed my account due to inactivity. I then was told the check would be mailed back to me and they confirmed my mailing address to mail back. A couple days after that I was shocked to find out they had cashed that check and I had no access to my money nor have I had any luck getting that money back or where they have put it. It is not in my account and I have called multiple times to ask if they can wire the money back but am told over and over again someone will call me back and nobody has yet called me back nor has the problem been resolved. They fraudulently cashed the check that stated clearly to be deposited into the account number on the check and have held my money somewhere?? I have lost out on investments and now will be unable to bid on a real estate deal that the money was to be used for and was ALWAYS intended to be kept LIQUID. It has been two weeks since they cashed the check and used for their own benefits as funds and I have had the loss of financial gain from it and time wasted trying to get anyone compatent from XXXX to resolve the issue. This was all my savings!
Product: Debt collection

After looking at my credit report, I found late payments that are not accurate. Please remove these errors as it is impeding my ability to do business and grow. I address this in the past with a rep regarding the billing cycle.
Product: Debt collection

On XX/XX/2021 I sent a letter to CREDIT COLLECTION SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Checking or savings account

I tried to transfer {$300.00} out of my chase savings account to a XXXX savings account. I had requested to close the Chase savings account after I tried to transfer. When the transfer happened a little bit before XX/XX/XXXX, the chase account closed around XX/XX/XXXX and then my transfer stopped to my XXXX savings account. The money was reversed and bounced back to Chase, but now I dont know where the money is. Ive been trying to open the account so I can see if the money will show up in the account.
Product: Credit reporting 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. 

Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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.
Product: Debt collection

Portfolio RC is reporting me as a chargeoff to the XXXX major bureaus. This was not a chargeoff, we entered into a settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXXXXXX Balance Owed : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the Equifax breech, I have had lots of problem with them. Last summer they had 5 mixed files with mine. By the first of the year they had the report fixed until last month when again I was not able to get a copy and creditors have claimed that they can not get a copy either. I have spent endless hours ( over 60 ) on the phone with Equifax to no avail. They keep asking for my identification and social security card. I have sent it to them by fax, upload and US Mail several times. I just sent it to them this week twice. 

They also keep charging me {$14.00} per month for a monitoring service and I can not use it because I can not access my report. I have been issued 11 reference numbers this year alone for fixing the report and it is still not fixed or accessible to verify this. 

REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Enclosed is supporting information, id, letters, social card, etc. 

Also when getting my 3-in one report from other providers, either the Equifax report is blank or won't work. 

I also can not dispute anything online because I can not get the report nor can I update anything like locking or unlocking the report again because I can not access the report online.
Product: Credit reporting, credit repair services, or other personal consumer reports

My twin sister and my information has been incorrectly reported on both our credit reports resulting in credit score decreases. I had contacted transunion to fix this issue in which is was but only until today when again something of my sisters credit card account from XXXX XXXX, is being reported delinquent on my credit. I do not even have a credit card through that same company. I closed my account with them last XXXX. My score decreased significantly due to this issue
Product: Credit reporting or other personal consumer reports

BACKGROUND FACTS : I took out a lease of a XXXX XXXX XXXX XXXX with a term of 24 months on XX/XX/XXXX. ( see attached documentation ) My first lease payment was XXXX XX/XX/XXXX and was followed by 23 payments of {$190.00} due on the XXXX day of every month for 24 months. 

My final lease payment originally would have been on XX/XX/XXXX. 

I extended my lease with the intent to purchase which would have made my next due date for the XXXX payment due on XX/XX/XXXX and my XXXX payment due on XX/XX/XXXX, but I exited my lease on XX/XX/XXXX by purchasing the vehicle. 

My credit report shows that my last lease payment was made on XX/XX/XXXX. 

My credit report also shows that XXXX last reported on XX/XX/XXXX. 

My credit report also shows that my payment due XX/XX/XXXX was greater than 30 days late. This is not possible. Here 's why : Even if I had not exited my lease on XX/XX/XXXX, and even IF XXXX didn't actually receive my XXXX lease payment until XX/XX/XXXX because of some bank error or bak delayed processing - as they are erroneously, and possibly fraudulently reporting - XX/XX/XXXX is STILL not greater than 30 days late. It would not have been over 30 days late until after XX/XX/XXXX. 

DETAILS OF THE TRANSFER FROM LEASE TO PURCHASE : The transfer from lease to purchase of the same vehicle was done at the XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX, MI XXXX. Their phone number is XXXX. The vin number is XXXX. The vehicle is a XXXX XXXX XXXX XXXX. 

When I purchased my previously leased vehicle on XX/XX/XXXX, my loan was through XXXX XXXX XXXX  XXXX. 

DETAILS OF MY COMPLAINT My credit report from XXXX of XXXX shows that on XX/XX/XXXX, XXXX XXXX reported that all my payments were made on time. ( See attached photo. ) XX/XX/XXXX, my credit report changed suddenly. Now, it shows that I was greater than 30 days late on my XX/XX/XXXX payment which was due XX/XX/XXXX. This is after they had already reported that my payments were all made on time. This is also despite their own claim that I paid my XX/XX/XXXX payment on XX/XX/XXXX ( less than 30 days late ) and despite transfering my lease to a purchase on XX/XX/XXXX. 

Essentially, XX/XX/XXXX, XXXX XXXX suddenly and erroneously reported that I had a late payment on a leased car from XXXX of XXXX. That was five years ago. XXXX XXXX never made this claim in over FIVE years. 

Then, this month, they changed the report and claim that I was late on my XX/XX/XXXX payment. This is after they had already reported that my payments were all made on time. 

I have attempted to contact XXXX by email and phone, but they will not discuss it with me. They even acted like they couldn't find my lease agreement in their records until I provided them with the vin number. I have attempted to dispute it on my credit report as well. 

What's even worse is that after I complained, they even changed my " last payment date '' from XX/XX/XXXX to XX/XX/XXXX. ( See attached )