23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been sick with XXXX XXXX for 2 aND 1/2 years. I was forced to leave my job ( I was terminated when I applied for another leave ... ). I needed more XXXX. 
My mortgage is serviced by Ditech Financial and I am being harassed and threatened by the account rep working on my account. 
" XXXX XXXX '' aka XXXX is that account rep. 
She calls everyday and tells me that I am refusing to talk to them. In the same conversation she will ask the same questions. " But you wo n't tell us what your intentions are. '' I called customer service, explained the situation and requested a new account rep. I was told that, " i'Ve never seen that happen since I 've been here. '' No change was made and I continue to be subjected to these rude and abusive collection techniques. I am waiting for Soc Security XXXX and a XXXX XXXX payment which will be monthly, but XXXX tells me that " I just need to graciously exit the house because I ca n't pay for it. '' I am behind in my payments - I was unable to make my XX/XX/XXXX and XX/XX/XXXX payment and I am less than 60 days late. 
When i'Ve spoken to XXXX , she says that I refuse to give them information ( as I answer their questions ). I refuse to take her calls - she called today and left a message, " XXXX XXXX - we have n't heard anything from you ... '' I'Ve been in this house for 13 years. I never paid late. I have a serious illness - I am not a dead beat. 
There are so many complaints i 'm reading about this company and XXXX talks to me as if I deserve to be treated like a XXXX. I do n't! I need help - now. I 'm asking to be treated according to the boundaries set up as acceptable collection practices. Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter dtd XX/XX/2018, to Equifax disputing a particular account on my credit report. Equifax responded on XXXX, XX/XX/2018, stating that they researched the account and verified it belonged to me. I sent another certified letter on XX/XX/2018, requesting their method of verification by ways of copies of a legally binding contractual obligation to pay this account bearing my legal and valid signature, as per the FCRA 611 ( a ) ( 7 ). On XX/XX/XXXX, I received a letter from Equifax, again stating that this account was verified, without any of the artifacts, I requested.
Product: Debt collection

Collect company keep sending letters to get money, bill was already pay by my lawyers, collect company still put me in collection and ruined my credit score for no reason. I receive call treating my work pay check and or my personal property.
Product: Credit card or prepaid card

Discover bank has falsely held me liable for two ATM cash advance transactions that were done using my Discover credit card pin number. The first transaction occurred on Sunday, XX/XX/XXXX, at XXXX ET ( XXXX PT ) for {$500.00} at XXXX XXXX , XXXX XXXX , California. The second transaction took place Monday, XX/XX/XXXX, at XXXX, ET ( XXXX PT ) at XXXX XXXX , XXXX XXXX , California for {$480.00}. The total amount of fraudulent transactions is {$980.00} plus interest that has been accumulating since the transactions. 

I took action the day after I received a call from Discover warning me about the fraudulent charges. Mistakingly, I had misunderstood the Discover representative at the time of the initial call and thought the transactions he was talking about were cash advances I had recently made in XXXX, Oregon a few days before and in XX/XX/XXXX while in XXXX, XXXX. The next day I called Discover to let them know that I did NOT perform the recent transactions. Since this call, Discover has relentlessly tried to find me guilty and liable for these charges by manipulating any information I have tried to give them over the phone. I followed through with a police report as requested by Discover. Unfortunately, the police did not want to look into the situation. The banks where these cash advances occurred also could not provide me with video footage unless the police had requested it themselves. After complying with Discover 's wishes, Thursday, XX/XX/XXXX, Discover called to tell me I was being held liable. I then proved to Discover that I was not in XXXX XXXX, California, or XXXX XXXX, California at the time of the transaction. I called XXXX XXXX and they provided me confirmation of my flight on the XX/XX/XXXX, from XXXX, Oregon to XXXX, California which I faxed to Discover on Friday, XX/XX/XXXX. My university has signed documentation that I was in class on XX/XX/XXXX, and I provided that documentation to Discover on Friday, XX/XX/XXXX, as well. Both of these documents have shown that I could not have been in the area where these charges occurred. 

Monday, XX/XX/XXXX, I reached out to Discover after I received yet another letter addressed XX/XX/XXXX, that they were still holding me liable for the charges after reviewing the documentation that I provided them. After talking to the Discover representative, the reason they are holding me liable is that they believe I could have given my Discover credit card pin number to someone. The representative also said I could have written my pin number down and someone could have seen it. Any person could have been looking over my shoulder when I may have used my pin number. Any person could have been watching video footage of me inputting my pin number. It CAN NOT be disproven that my pin was not compromised when I last used it. There is no way Discover can legally hold me liable for fraudulent charges after I told them many times that the charges were not done by me or under my authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX  XXXX XXXX -XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX in XX/XX/XXXX. I made a payment of {$180.00} in XX/XX/XXXX. I can not afford {$180.00} every 2 weeks for 8 months. I stopped payment on my checking account. My desire was for the company to send me a letter and we could work out a payment plan. I have learned to not make agreements via phone calls as there is no written record. I started receiving emails and phone calls to my cell phone and my work phone. I told the caller that I could not receive calls at work. She kept calling. I replied to an email stating not to contact me by phone or by email. I requested contact by mail only. This was on XX/XX/XXXX. I am continuing to get emails and phone calls. I have kept these voicemails on my phone. Now the messages are threatening me with wage garnishment and legal action. To date I not received anything in the mail. They have listed this as a charge off on my credit report. I have disputed the balance. I borrowed {$1000.00} and the balance shows over {$2500.00} due in less than 5 months. I want this corrected. I also want them to stop calling me and emailing me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX**** Collector : XXXX Original Creditor : XXXXXXXX Status : Unpaid Balance Amount : {$460.00}
Product: Credit card

I have been a XXXX XXXX card holder since 1995. As of this year, they gave control of the card to Synchrony Bank. Unbeknowst to us, they transferred control in early XXXX shortly after we made a {$1600.00} payment to XXXX. We were told it would take 30 days for XXXX to transfer this payment to Synchrony Bank. In the meantime, we have faxed proof from our bank that these funds were indeed taken out of our account via billpay to XXXX. It has been 45 days now. After multiple calls to Synchrony, we ( myself and a representative from Synchrony ) contacted XXXX and were told that these funds had been transferred by XXXX XXXX. Now, they are telling us to get a " transmittal form '' from our bank to prove again that this transaction did indeed happen. Unfortunately, we have been charged a " late fee '' and the card was put on " hold '' while my wife and kids were out of town. Needless to say, she needed to use the card for gas to get home and was shocked it was declined. The representative from Synchrony Bank is still unable to locate this missing payment, and it seems to me that they are asking me to find it in their system for them. Additionally, they tell me that they will continue to charge late fees ( as well as affecting my credit ) until they can find it in their own system and apply it to our " new '' card.
Product: Checking or savings account

On XX/XX/2022 I received a wire into my business checking account with Bank of America for {$120000.00}. Th money is a loan from a real great friend and being used a funeral for a family member. I went inside my local Bank of America branch at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was dealing with the branch manager there his name is XXXX. I went inside asked to do a withdrawal and also a transfer to pay the funeral bill and XXXX stated I couldnt take any of my money out I asked why because it was sent to my account and it shows available. He begin to ask me well who is sending you money, like why is someone sending me money. I explained to him thats none of his business he then blocked my account and now I have no access to my funds at all or to pay the funeral! I cant withdraw any money so now means I cant run my business, feed myself or my children or even pay my bills. This is racial discrimination because Im XXXX  and what he feels like XXXX XXXX cant have money. I want my money this is crazy!! I called Bank of America customer service and they basically isnt any help either. So basically the bank is just going to take my money. I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to retrieve my credit report or credit score due to wrong personal information being reported.
Product: Credit card or prepaid card

A credit card was provided to me in XXXX as a result of misleading, confusing and ultimately deceptive practices. I am an elderly woman caring for a handicapped husband who is XXXX years old. We continue to live in our mortgage free home, and we keep it well maintained. During the estimate process for new gutter guards for our roof the salesperson informed me that I could pay for the work in installments with no interest for 18 months. We had recently agreed to a similar arrangement with our oil company when we replaced the boiler last year. We are now paying the oil company in installments. I agreed to installment payments to XXXX XXXX but at no time was it explained to me that I would be required to open a credit card account with Synchrony Bank in order to make those payments. When I learned of this fact I immediately paid the merchant in full by check. We neither need nor want another credit card. I sent the check in the amount of {$2.00}, XXXX on XX/XX/2020 to XXXX XXXX. Note, I did not sign anything consenting to the opening of an account with Synchrony. I subsequently called Synchrony and explained that I did not want an account with them When I requested that Synchrony reflect on their system that I had never had an account with them they explained that they would close my account. I questioned how an account can be reported as closed when it was never opened in the the first place. On a follow up call with Synchrony they said that they could not delete the credit inquiry but could close the account. I believe they are in the process of closing the account this month. It has always had a XXXX balance. At this point I want the account deleted from my credit report. In sum, I never consented to a credit card. I have fully paid the merchant and now I want my credit report to reflect what actually occurred, not what was offered to me by means of a deceptive practice.
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 XXXX # XXXX DPEDXXXX XXXX # XXXX DPEDXXXX : # XXXX DPEDXXXX XXXX # XXXX DPEDXXXX : # XXXX DPEDXXXX : # XXXX DPEDXXXX  : # XXXX DPEDXXXX : # XXXX DPEDXXXX : # XXXX DPEDXXXX  : # XXXX DPEDXXXX : # XXXX DPEDXXXX : # XXXX DPEDXXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

this complaint is on Transunion and their unfair procedures that they hav been doing for months now on account XXXX XXXX XXXX XXXX XX/XX/2022 I sent Transunion a dispute based on the fact that transunion XXXX and equifax are all reporting a different running of reporting expiration period. by all 3 agencies reporting a different expiration date it is manipulating this account to be legally removed on 3 different dates. to my undestanding there is only one runnning of reporting expiration period under the FCRA 15 U.S.C 1681c ( c ) Running of Reporting Period.

transunion has sent me 2 different updated dispute results with two different dates but with the same file number. to my understanding if Transunion sent me two different dispute results then they completed two different investigations. if there were two different investigations then why are the file numbers the same? there is still inaccurate reporting on these results too. the estimated month and year this item will be removed still does not prove to be accurate when it comes to the payment history. the inconsistent information reporting is causing this account to be proven to be inaccurate and transunion keeps playing games. where are they getting this information from when I have never received correspondence from the creditor verifying they have disputed with the consumer reporting agencies based on my dispute. 

I took it upon myself to check all my transunion dispute results and I noticed that Transunion has been using the same file number since XX/XX/2022 when it comes to them sending me correspondences. this is not fair procedures that Transunion is committing against me. transunion is violating 15 U.S.C 1681 ( b ) Reasonable Procedure and also violating the respect for my right to privacy under 15 U.S.C 1681 ( a ) ( 4 ) I included copies of my reports they sent me. 

file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022 file number XXXX date issued XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report per XXXX.
Product: Checking or savings account

I opened a Citi checking account at the beginning of XX/XX/2018 using a coupon code provided. The terms were {$500.00} bonus cash after depositing {$15000.00} within 30 days and maintaining the balance for 3 months. I never received the bonus cash - its been more than 3 months. I reached out to Citi multiple times, keep getting shuffled around to different people, in most cases the call disconnects after a while.
Product: Debt collection

On X/X/17 I called National Credit Systems and spoke with a XXXX XXXX. I made payment of {$250.00} to close the account. On X/X/17 I received notification in the mail from National Credit Systems , Inc. dated XXXX/XXXX/XXXX that NCS had been authorized to accept a payment of 50 % of the balance owed to close the account. This information was not provided to me by XXXX XXXX and she did not offer the 50 % reduction despite the offer being dated X/XX/17. I called XXXX on X/X/17 and spoke with XXXX, Collections Supervisor, asking that the a refund be issued for the difference. He declined the request.
Product: Credit card or prepaid card

On XX/XX/2022 I booked a one-night stay at a hotel at American Express Travel website . I paid with my American Express points. The total cost was {$150.00}, and it cost me XXXX points. Then in my XXXX statement of the American Express card XXXX it showed a debit of {$150.00} and then {$150.00} for credit. 

On XX/XX/2022, I canceled this reservation. I used online chat to contact American Express, asking to get back my XXXX points. The representative told me that I will get those XXXX points but my card will also be later debited the corresponding dollar amount of {$150.00}. 

It was not completely solved after more than 30 minutes online message chat. The representative told me that I should pay attention to my card transaction and contact them again if I see a debit of {$150.00}. I also contacted American Express 's twitter account @ XXXX. They confirmed that American Express will debit the credit account with the dollar amount. 

I am complaining because : I was charged {$150.00} and credited {$150.00} when making the reservation and will be charged again for {$150.00} after canceling the trip. I didn't get any service but my card is to be charged for {$150.00}. Af for my points, I used XXXX when making the reservation and will get those XXXX, ( keep even ), after canceling the reservation. 

What has surprised me the most is that it seems that American Express has been operating this regarding canceling reservations previously paid via points for some time. I don't know how many customers, when they request to get their points back after canceling the reservations, have been debited for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted XXXX and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.
Product: Money transfer, virtual currency, or money service

I contacted PayPal in an effort to get a valid explanation as to why I am unable to transfer any amount from my own bank account, which is linked to PayPal. I have screenshots attached showing the error message. I made an attempt to send a minimum amount of {$100.00} ant their system is rejecting my request. Perhaps the CFPB needs to investigate the practices of PayPal. I have made other similar types of complaints. It is not good if a customer has to make numerous complaints about mistreatment by a company, perhaps there is some sort of bias that I will need to have investigated. I have to pay for services rendered, goods and services. PayPal will need to be called to court if I am sued for the money owed to the merchant. I was told their ( back-end department is preventing me from transferring my own funds into my PayPal account XXXX This is a problem! There is nothing suspicious since I am the one using my own account and funds from my own bank account. I have not gotten a valid explanation when I have spoken to their representatives. This is bad/poor customer service and perhaps the company policies, practices and process need to seriously be examined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank USA ran a hard inquiry on my credit and I did not authorize this inquiry. I have not applied for any loans or credits with this institution or any other institution at this time.