23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

DEPT OF EDXXXX : # XXXX XXXXXXXX, 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 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.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on my credit report. I have tried contact them by mail and my mail keeps getting returned.
Product: Credit reporting or other personal consumer reports

I requested for the investigation done when the allegations from Experian stated they verified the accounts. This is a violation of FCRA Conducting sharm investigations that fail to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when responses was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable Experian. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Under, 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have submitted an written request in XX/XX/year> about this matter. I have not received any letters or any updates from Experian. Please remove these accounts immediately from my report. Accounts : 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: Checking or savings account

On XX/XX/2021, while using my XXXX computer I received an Popup firewall alert notification from XXXX that locked my computer with instructions to call XXXX Tech Support @ XXXX. I called the number and spoke with tech support representative XXXX XXXX who created a XXXX # - XXXX. I was informed that this ticket will be forwarded to TCF Bank Fraud Department. 

XXXX minutes later I received a call from XXXX ( TCF ) The person introduced himself as TCF Fraud Department ( XXXX XXXX ). I was told that there were two wire transfers against my savings account. I was sent a document with information on it and was told to take to bank so the wire transfer can be captured by TCF and then place back into a new TCF savings account for me. 

I followed instructions on the two wire transfers and received call back from this person on XX/XX/XXXX saying that TCF was able to recover my money and that they will send through postal mail the new savings account information where the money was returned. 

I waited a few days to receive postal mail from TCF and since I have not received anything, I drove the the TCF Bank location to speak with a manager to check on the status of receiving information on new savings account numbers.

The manager informed me that TCF had not contacted me about my savings account, so I informed the manager what I have experienced on everything that has happened. The manager said they will start an investigation on what happened to my account. I had been mislead by false pretense of someone falsely representing TCF bank.

TCF merged with Huntington Bank, and there has not been any resolution or recovery of my savings. 

This is why I'm filing a complaint.
Product: Credit card or prepaid card

I am a long term Chase customer that was defrauded by a merchant. Chase has sided with the merchant that defrauded me without even asking me for any information or documentation. 

On XXXX I purchased an appliance from XXXX XXXX, an online appliance retailer. The total cost was {$1200.00}. 
On XXXX the item shipped. Upon arrival we immediately knew this would not work for our kitchen and requested instructions on how to return the appliance. 

XXXX ignored us and the return request until I contested the charge over a month later ( XXXX ). Their site requires you to go through them to get RMA details, so without their reply I was unable to do a return. 

After contesting the charge, they replied to our email saying to return it at our expense and they will refund approximately {$900.00}, keeping the rest claiming it was their cost shipping it to us. They refuse to document the shipping cost of over {$300.00} ( about 25 % of the cost of the appliance itself ), saying it's none of my business and I have to pay whatever they say I should pay. I contacted the shipping company and they would not provide documentation but confirmed that the number they were attempting to charge me was above the actual cost of shipping. ( XXXX XXXX, tracking number XXXX, ship date XX/XX/20, Bill of Lading # : XXXX, Purchase Order : XXXX ). 

Additionally, the XXXX 's site clearly states they will help set up a return shipment since appliances are large and typically ship via a freight carrier and not XXXX/etc. They also promise to use their negotiated rates which are less expensive than consumer rates. They have refused, saying it's not their responsibility. As such I don't have any idea how to actually return this item to them. ( Their terms directly state : " If the product you are returning or exchanging is an overweight or oversized item that was shipped via XXXX  carrier and you need assistance, please contact us and we will provide you with a shipping quote* to have your product returned. '' ) I have been defrauded by a merchant who has both tried to make returning a product within their policy difficult to impossible, and Chase took their side in the dispute -- without ever even reaching out to me to ask about the response or if it was even true ( there are several lies in the response from the merchant, which makes sense, they're defrauding me ).
Product: Debt collection

I received a notification about a collection being placed on my account from a debt collection agency on XX/XX/20 in the amount of XXXX. I have not been contacted by anyone nor have I received any information in relation to any debt owed.
Product: Credit card or prepaid card

Wells Fargo Credit card supposedly opened in my name to purchase furniture from XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 5 letters to you and still no response over 180 days later. You are reporting inaccurate and misleading informationmation. FCRA 15 usc 1681 ( i ) states everything must be 100 % accurate in order to post to my account. Date of last activity and date opened are all inaccurate which is breaking the law.
Product: Credit reporting

I have not been with XXXX XXXX XXXX for 7 years. I moved XXXX for a long time and they were told to disconnect before I left. When I moved back XXXX, I tried to get it resolved with XXXX and thought it was .... that was about 5 years ago. The collection companies just keep renewing it. It needs to be exponged from my record ... nothing is due, and I have not had service with them for 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC violations sent the documentation with the affidavit to prove my claim
Product: Money transfer, virtual currency, or money service

Paypal limited/locked my account with a balance of {$3100.00} for over 180 days and then sent an email that I can withdraw the pending balance. I contacted PayPal customer support about the issue and they claim to have lifted the limit, but it's a lie. On XX/XX/2021, I unsuccessfully tried to withdraw the amount, getting an error that my account still has issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 A 2 : It also states a consumer reporting agency can not furnish a 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 as late for any purpose.
Product: Mortgage

I got pre-approved for a FHA loan early XX/XX/XXXX then found a home that I put a contract on in XX/XX/XXXX. My Original closing date was scheduled for XX/XX/XXXX but the lending company ( CIBC ) had a delay in Accepting the appraisal So the original Contract closing Date passed. While waiting for the clear to close, on XX/XX/XXXX my business had to shut down because of COVID-19. So after that the loan process stalled and eventually failed by XX/XX/XXXX due to Covid-19 and FHA changing minimum qualifications because of the pandemic. My earnest money was returned to me and the house went back on the market. I went back to work XX/XX/XXXX and my realtor informed me the house I wanted was still on the market. During the shutdown I was able to pay off more of my CC bills and I brought my credit score up 30 pts. My agent asked the seller if he would be willing to go under contract with me again, he replied that he would do it if we could close in 1 month because the home inspection, Completed repairs, and appraisal were already completed. We asked the mortgage company if This was possible, they said yes and so I went back under contract in XXXX. This process from this point was crazy. I was required to get prefit and loss statement for XXXX, XXXX, XXXX, and XXXX. Each request was made at the beginning of every month and was returned to them within 48 hrs. That type of rush from my XXXX was an additional {$270.00} each month requested. I was required to pay my XXXX taxes in full that I had a payment plan on, so that was {$4600.00} that I had to pay ( fulfilled that request same day ). My loan officer tried her hardest to find out what the delay was but there only response was internal compliance issues. Not sure what that means but its sounds like a lot of nothing. I am a self employed business owner with a profitable business for 9 years, my business is not in debt. I truly believe my loan contract was discriminated against because of my self employed business. They couldnt deny my contract because they had no basis. I had the credit score, I had the income, I had the money saved. But every request CIBC made was fulfilled and then responded with delay after delay. It went on so long that the original appraisal that I paid for in XXXX expired in XXXX. Not only did the process take 5 months but the seller refused the 5th extension request because it was taking so long. So he canceled the contract on XX/XX/XXXX and conveniently CIBC gave my loan agent my clear to close on XX/XX/XXXX. The seller rented the house because of the long delay. I have lost my dream house because of the mortgage company lack of transparency and the deceptive practices they created while processing my contract. I feel violated by this process. CIBC purposely held the contract in limbo until either myself or the seller back out of the deal. And after 5 months the seller pulled out and they got their wish. It should be illegal for these kinds of practices to go on and if its not illegal then I would strongly suggest that NO ONE perform any business with CIBC mortgage company.
Product: Credit card or prepaid card

Over XXXX/XXXX/201 and XX/XX/2021, someone used my Amazon credit account with Synchrony Bank to make 10 unauthorized purchases totaling {$270.00} in charges. These items were shipped to my home. Under my Amazon account order history, there is no record for these items being purchased by me. I contacted Amazon and after explaining and they reviewed, they told me they could not help as there was no order history and Synchrony would have to open a fraud investigation. 

I contacted Synchrony and they opened an investigation on XX/XX/2021. Their website and investigation letters state, " We understand experiencing fraud can be upsetting and we want to assure you the Synchrony Fraud Team is here to help. With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges ''. 

On XXXX, Synchrony closed the investigation and bill me stating that because the items shipped to me I am liable, even though I did not make the purchase or authorize the use of my store credit for this. I have provided them my Amazon order history and repeated this investigation cycle with them now 4 times. 

The second investigation was started on XX/XX/2021 and closed on XX/XX/2021 with the same results. A third investigation was opened on XX/XX/2021 and closed on XX/XX/2021 with the same results. A fourth investigation was opened on XX/XX/2021. I received a letter while on vacation on XX/XX/2021 that they wanted returned within 15 days where I indicate the charges were unauthorized. I faxed this to them on XX/XX/2021. They closed this fourth investigation on XX/XX/2021 and again bill me as liable for the purchase because they were shipped to me. 

They claim also that I should have shipped the items back. When I first contacted Amazon in XXXX and they said they could not help me, I threw the items in the trash several days later after opening the investigation with Syncrony. 

Through out all of this I have not been given any email that I can reach out to them, they claim they don't have one. I ask to speak to a director or manager and am told they do not have one. I have been bumped around from person to person on the calls with no progress and have had some even argue with me. So much for being " the Synchrony Fraud Team is here to help. With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges ''.

I have spent hours and hours going rounds with them to get this resolved and it continues to go now where. I have provided clear evidence of fraud in both the history of the charge being erratic and odd and proof that these items are not in my Amazon order history. Synchrony Bank needs to clear this from my account and be held accountable for not clearing the fraud as they claim with their " {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges ''. These charges were unauthorized.
Product: Credit card or prepaid card

Sometime before XX/XX/XXXX, I purchased a {$50.00} Vanilla Visa Card from XXXX. When I went to use my card, the money was already taken off the card by somebody else ( fraudulently ). I contacted the company that issues the card ( XXXX Payments ) on XX/XX/XXXX ( Dispute Case # XXXX ). On XX/XX/XXXX, I was told that i would be receiving a replacement card within XXXX days. It is now XX/XX/XXXX, I have called the Company several times, and I have still not received a replacement card. When I called the customer service line, I was put on hold for 1.5 hours. I would like the Company to send me my {$50.00} immediately with tracked shipping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continue to experience incorrect information that is being reported on my credit report by Experian. This has been an ongoing issue for years. I submitted my credit report and have disputed the results ; as it shows ( XXXX ) account closed of which the company went out of business. However, I still had a balance which is paid faithfully every month. Experian has the account in a " Negative '' Account Activity status. I have also attached the Credit Report from Experian. I would like Experian to update the status to a Positive Account Activity. # XXXX Experian also has on my Credit Report five ( 5 ) Student Loans from ( XXXX  ) there is only XXXX main account # XXXX ; although, they show all XXXX on the report as " Open '' and they should be closed and removed as the school ( XXXX ) that I was attending closed due a loss of accreditation. Prior to the school closing I had applied for numerous loan forgiveness ; only to be charged higher interest rates and fees. I also completed and submitted the government school closure application, and ( XXXX  ) responded and the representatives also confirmed that I qualified for the student loan discharge. I have also filed a Consumer Complaint Against ( XXXX  ) with the Attorney General Office with the Department of Justice for their un-law practices and harassment. I would receive 7 to 10 calls daily, and the calls never stopped during the onset of the COVID Pandemic, they just increased. I would like to have Experian remove ( XXXXXXXX ) as negative and from the report. email : XXXX  Experian reports XXXX on my credit report and this account should be removed as this account was transferred to another lender XXXX. XXXX was sued by the former Attorney General XXXX XXXX for their unethical mortgage financing practices for fraudulent foreclosures and fees. I have filed a XXXX XXXX XXXX XXXX XXXX XXXX with the Attorney General XXXX Department of Justice to investigate XXXX and Experian as they have the ( XXXX ) XXXX Mortgage XXXX which is the new lender in a Negative Account Activity and the payments are current. See attachment Experian Credit Report. XXXX XXXX
Product: Debt collection

Diversified consultants/collection company reported false information about a debt they were trying to collect for a phone bill. I repeatedly told them it was not mines. I disputed with credit bureau and even asked to have this removed without proper documentation, no contracts no signatures. company threatened me so i agreed to pay the debt letting them know still it wasnt mines and that they would agree to take it off my credit report by paying for a pay to delete option. i paid the balance of {$300.00} and did not receive no receipt or documentation to delete the file. they have still been reporting me to the credit bureaus. they will not speak to me about this matter. Ive made call and disputes for months with them hanging up in my face or not responding to me claims.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

We had phone and internet service with XXXX XXXX XXXX XXXX, WI. They were an adequate service for several years. Then one year they decided to jack our rate up with out proper notification. We went several months without paying the jacked up rate during the dispute. They refused to make things right. Finally they cut off service and submitted the inflated debt to a collection agency. I continued to refuse to pay this inflated debt when contacted by the collection agency. I disputed the debt by paying for an attorney to send them a warning letter. They STILL REFUSED to make things right. 

If XXXX had made things right in the first place, not only would they have retained us as a customer, but also they would not owe me XXXX dollars in attorney fees. 

I will be sending a copy of the attorney 's letter when i can find it in my files. 

The service address was to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX
Product: Debt collection

A judgement for a past owed medical debt that I incurred on a credit card was entered due to me not fully understanding the court process. I have been attempting to make payments via phone or electronically as the attorney stated I could in court however when I attempted to do so, it says I am not authorized to make electronic payments. I then attempted to call in and make the payments however I am repeatedly placed on hold and no one ever returns to the call. I believe this company is intentionally attempting g to make me default on the judgement so that they can garnish my wages unfairly.
Product: Debt collection

Years ago my daughter belonged to XXXX XXXX. 
She incorrectly gave them my home phone #. 
( she 's XXXX yrs old now XXXX She is no longer a member.. has n't been for a few years from what I understand. 
She does n't owe them any money anymore XXXX again, from what I understand XXXX. 
All of this is irrelevant,, she 's XXXX years old, not a child, I have my home phone, she would n't pick it up if it was ringing and she was standing next to it.. 
She has asked XXXX XXXX repeatedly to remove her parents home phone # from her name in their records. 
Now she is n't a member and owes them no money and I recently had XXXX and they 're calling here waking me in the morning. 
I think it 's a collection agency of theirs. 
When I call them they could n't care less. 
Would you please call them on my behalf.. 
Thank you, ,XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have been diligent in making my monthly payments and find it unacceptable that a late payment has been recorded on my account. I can verify that I have never been late with this account, and therefore request that this late payment be removed.