23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had made several big purchases from XXXX XXXX totalling around $ XXXX. I did not receive these items. I tried numerous times to dispute it directly with XXXX and they refused to refund me despite not receiving my items. I went ahead and opened a dispute with discover and they ended up closing the dispute not in my favor and reposted the charges to my account. I do not believe I should have to pay for items I never received.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX I XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX MO 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, 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: Payday loan, title loan, personal loan, or advance loan

I was offered a loan from the Avant company and ended up signing a document after speaking with an individual named XXXX XXXX XXXX XXXX XXXX ) XXXX After assuming that it was something legitimate initially because of the conversation and that the reason for requesting my bank account information was to prevent sending money to a fake account. I did not think things through as I was under stress because of my financial situation due to another issue. They had deposited fake checks into my account which got my bank account closed later since I did not know it was a fake check. Furthermore, XXXX requested that I send the money back by buying XXXX gift cards for the same amount deposited. Which I had thought it was {$150.00} initially but because it was actually {$300.00} due to them depositing XXXX different fake checks ( later found ) into XXXX of my accounts they denied sending me the supposed loan because the money returned in XXXX gift card did not match according to their " finance department '' and that XXXX had passed so despite sending in {$300.00} in XXXX gift cards I had to do it again to send the full amount. Then I was later told I needed to send in {$1200.00} because the " loan deposit '' through ACH failed and that I needed to send them the transfer fee in order to process the loan and will add it back to the money loaned. I didn't have the money, but later on, a supposed agent of theirs sent me {$1000.00} through XXXX and that I was supposed to use that to send money back to them through a 3rd party payment platform but it needed to be an additional {$200.00} from me before the transfer can begin. I did the {$1000.00} transfer by XXXX  on XXXX XXXX, but I didn't have the {$200.00} to send and eventually everything was all for naught since I the final amount wasn't complete and was told I had to send another {$400.00} to process the ACH transfer. I was under severe mental stress due to this situation and another one that also caused me to be deeper in financial debt and losing even more money now.
Product: Debt collection

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ) .All forms of communication should be stopped and ceased through all mediums mail, electronic, phone calls and credit reporting.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XX/XX/XXXX XXXX  XXXX Balance : {$23000.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

I have an amazon chase visa card. 

The card is through Chase and the card has a promotional relationship with Amazon. 

On the website 's reporting online of accounts, there are the following issues : ( 1 ) Chase does not report your statement balance with each transaction, so it is nearly impossible to go back and look at the previous transaction history and determine the balance or to determine reporting errors from a given start date. 

( 2 ) When downloading your transaction history in csv from Chase 's website, you can't download the full history. The downloaded transaction history also does not list the statement balance with each transaction. Together, this makes it nearly impossible to reconcile your transaction history. 

( 3 ) Chase has " posted transactions '' and " pending transactions ''. They then show the " Current Balance '' at the top of the screen. However, it is possible for transactions not be in either " posted '' or " pending '' but reflected in the " Current Balance ''. Obviously, this can create a large ( and disconcerting ) disconnect between the current balance and the posted/pending transactions. 

These three issues seem rather simple to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 180 days late on my XXXX credit report. This account has been paid off however they are reporting 180 days delinquent on mine report and that should be on my Ex husbands report not mine. I have a court signed judgement dated XX/XX/XXXX that states my Ex husband XXXX XXXX is responsible for all the debts of the martial home at XXXX XXXX XXXX XXXX, La. this Judgement was signed prior to the home going into late status XX/XX/XXXX. I have called Pennyman numerous times to ask them to remove this off my Credit. XXXX XXXX XXXX has sent numerous correspondence to them, and i have filed several disputes with the judgement attached and they are refusing to remove it. XXXX has removed this account and it is not showing on XXXX, it is only reporting on XXXX. However this is stopping me from purchasing another home for seven years. This account is pain in full and closed. I am asking for it to be removed off my credit. I was not responsible for the home when it went into late status.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan with a balance of about {$1200.00} is being reported incorrectly. It is currently held though XXXX XXXX XXXX. They have held the loan since XXXX and have not reported the loan as current or any of the payments that I have made. The loan is still listed as held by a prior servicer and in default. This is causing continued damage to my credit and affecting my ability to refinance other loans.
Product: Debt collection

As of XX/XX/year> it is illegal to post medical debts on all credit reports, XXXX, XXXX, XXXX XXXX and XXXX collectively. Recently Wakefield & Associates posted a collection against me on all credit bureaus after they were notified of the recent regulations change. Accordingly, I respectfully request the permanent removal of this collection for {$800.00}. The federal regulations are on my side and they were updated by the Consumer Financial Protection Bureau. AA
Product: Credit card

bank closed my account and is reporting inaccurate information on my credit profile with bureaus.
Product: Debt collection

I received a letter from Dynamic Recovery Solutions a LLC address XXXX XXXX   XXXX, XXXX SC XXXX, Phone number XXXX, Email XXXX. Their Claim for {$710.00} dollars is a Fraud. They say they represent XXXX XXXX XXXX XXXX and Current creditor XXXX XXXX XXXX XXXX, XXXX. They gave me a Reference Number : XXXX. 

This matter is over 6 to 8 years old. I brought a suit against XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and retained an attorney in XXXX Florida to represent me in the State Court in Tampa FL about 6 to 8 years ago. This case was discharged and settled. Why is it these people are trying to collect on a matter that was closed? I have received many calls from these people demanding to pay {$700.00}. In their last letter they stated if I paid them {$170.00} they would close the case. I stated again this is a Fraud Case.  Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I am XXXX XXXX and LVNV Funding LLC is reporting on all three of my credit reports and they should not be. This account is paid and closed and should reported as such and then removed. 

I have paid this account.
Product: Mortgage

My wife and I have an FHA home mortgage through Roundpoint Mortgage Servicing Corporation. We currently owe about {$270000.00}. Our home was just appraised for {$530000.00}. We want to refinance to take advantage of a better interest rate as well as getting rid of our PMI. This would save us over {$200.00} each month. We applied to refinance with Roundpoint Mortgage Servicing Corporation. The refinance was for a conventional loan that came out to about {$280000.00} after refinancing costs. My wife and I both make more money than we did when we first got the loan. It was originally a loan for {$250000.00} to purchase the home as a short sale, and {$50000.00} cash to make improvements. We have had this loan since XX/XX/XXXXand never have missed a payment or been late. We submitted our tax returns for two years. XX/XX/XXXXwe showed an income of {$96000.00} and XX/XX/XXXX we showed an income of {$100000.00}. I am an XXXX   XXXX  at a local XXXX XXXX XXXX and my wife owns  a XXXX XXXX. She has been in XXXX for 8 years and has shown a steady profit each year. She owned the XXXX when we got our original loan and we were approved based on her income and my income. Her XXXX  is seasonal. She earns most of her total annual income in the second half of the year and really makes most of it in the fourth quarter. We can prove this and have offered income statements from XX/XX/XXXXshowing the majority of the income coming in the latter part of the year. We have offered up evidence to show this is a trend year after year. Roundpoint Mortgage Servicing Corporation refuses to acknowledge her income on an annual basis and only will look at her current year income. Currently, she shows a net income of about {$13000.00}. She actually has earned more so far this year than last year to date. As someone that is on salary, Roundpoint is willing to acknowledge my annual income, but refuses to acknowledge my wife 's income as a XXXX  XXXX  owner. I feel their practice is discriminatory against XX/XX/XXXXXX/XX/XXXXowners   and I feel that they are discriminating against her specifically as a female XXXX owner. She deserves to be given credit for the success of her XXXX  after 8 years of proven financial success. Roundpoint Mortgage Servicing Corporation will not even give her a chance to show this track record. They have shut us down. I also am concerned that Roundpoint Mortgage Servicing Corporation is unfairly stopping us from gaining a better interest rate and allowing us to drop our PMI. It seems that they stand to lose money in the long run if we refinance, so they are using poor and discriminatory lending practices in order to stop us from saving money in order to keep their own financial standing. The simple fact is, my wife and I make more money now than when we first got our loan. This loan will decrease our monthly spending by more than {$200.00}. It makes no fiscal sense for Roundpoint to prevent us from refinancing.
Product: Debt collection

The charge is for XXXX equipment that was returned in a box with a tracking number that was provided by comcast. I have talked several times explaining this to them. I think it is settled and they put it back on my credit report again
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I would like the items removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> an individual was at my residence and while I was sleeping he went into my phone and transferred money out of my account and into his account. Me and this individual were the only to people in my residence at the time. When I woke up I noticed the individual was gone along with all of his belongings. His sudden disappearance made me check my accounts where I noticed money was missing. There was an unauthorized with if {$1700.00} from my cash app account. Then there was a withdrawal from my dollar bank account to my cash app account of {$500.00}. Then that {$500.00} was moved into the unauthorized account. I contacted the individual he denied taking the money. I informed him i was going to the police and filing charges. At the police station I informed them of everything that is going on. And I showed them all the evidence that I have. The officer called the individual and again he denied taking money from me. The police then stated he had his body camera on and asked him if he was ever at my residence at any point of the day and the individual said no. I was able to show ring camera footage with dates and times of the individual being at my house during the hours the money went missing. I finish my report and I called cash app the next morning. I told them everything that happened and file a claim with them to get the money refunded. I informed them I have a police report, text messages and XXXX  XXXX footage. They said they did not need the police report. I have called multiple times for a update and offering police report. I havent gotten any updates or they have no ask me for no documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Inconsistencies such as incorrect spelling if middle name, fraud accounts, and previously used residency that was not obtained by me at the time of the opening of this fraudulent account. Experians fraud department has been helpful through the entirety of resolving my disputes EXCEPT with XXXX by allowing a reinsertion of a previously disputed fraud account and its collection account attached ( XXXX XXXX ) has already been removed also. WHICH IS ALSO PROOF EXPERIAN VERIFICATION PROCESS NEEDS TO BE IN QUESTION I ALSO UPLOADED COURT DOCUMENTATION OF RESIDENCY AT THE TIME OF THE ACCOUNT STATES IT WAS OPEN ALONG WITH FTC REPORTS AND UTILITY STATEMENTS THE VERIFICATION PROCESS OF MY DOCUMENTATION PROVIDED PROVING I AM A VICTIM TRYING TO SEEK HELP. The MAJOR INCONVENIENCE of all of this is that EXPERIAN allowed for this fraud account to be reinserted FURNISHING MY CREDIT REPORT WITH ADDRESSES AND NAMES CONNECTED TO THE FRAUDULENT ACCOUNTS. I spent countless hours with different reps to get this resolved and Ive been a victim of identity theft since XXXX  I have multiple FTC reports on file between the years of XXXX-now and all accounts included into the FTC report INCLUDING XXXX NEEDS TO BE REMOVED IMMEDIATELY!! There has been a reinsertion of a XXXX CONSUMER account, a company who practices are definitely questionable in a court of law from public previous lawsuits, an account that has been previously removed along with their collection account XXXX XXXX due to fraud and has been included in all my previous FTC reports and the lender is constantly reinserting and furnishing INACCURATE INFORMATION TO MY CREDIT REPORT INCLUDING THE ADDRESS ATTACHED TO THE ACCOUNT AND REINSERTED THE FRAUDULENT ACCOUNT THAT HAS ALREADY WENT THROUGH A VERIFICATION PROCESS IN MY FAVOR OF BEING THE VICTIM!!!!! THE REINSERTION OF XXXX REPORTING NEEDS TO END ITS BEEN CAUSING ALOT OF STRESS. I will be attaching Missouri court documents and utility statements that can verify my ACCURATE address at the time of the account being open and validate my current address.
Product: Vehicle loan or lease

This company is using XXXX  in order to try steal from me. I never agreed to a loan with lentegrity, I never signed anything I purchased outright. They keep stealing from me.
Product: Consumer Loan

I first took out a loan with Consumer Financial Services. I unfortunately was going through financial difficulties and was unable to make payments. Consumer Financial Services then sued me, which I understood. Once the garnishments went through, I realized I was unable to afford any day to day expenses and my other bills, so I had went to Consumer Financial Services to work out an arrangement. The owner, XXXX, agreed to refinance my loan including my collection costs and put my payment at XXXX. He advised my employer that we had worked out an agreement and to stop the wage garnishment. My employer was unable to comply, so he then took advantage of the situation. XXXX first told me that he would apply the payment that was due towards my new refinanced loan from the garnishment checks and he would reimburse me of the remainder if I was current on my loan. When it came time to reimburse me, he decided that he still did n't trust me and kept the garnishment and told me he was going to keep me two payments ahead even though the agreement in writing did n't state that. I went into Consumer Financial Services to speak with XXXX directly and advised him that I was unable to afford making twice the payment on a monthly basis and that 's the whole reason I made arrangements with him. XXXX then told me that he did n't care, he does n't trust me, and I do n't deserve the funds back to me. I have a written contract with him refinancing my loan and that did n't matter. He then used foul language and was extremely unprofessional. I then started crying, being so disrespected and frustrated and he told me to stop XXXX crying and I 'm annoying him and if I say another word he would n't give me any of my money back and just put it towards the loan. I have never been so disrespected in my entire life.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO LEARN I WAS A VICTOM OF IDENITY THEFT. I FOUND NUMEROUS CLOSED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM TRYING BUY A HOUSE FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT CLOSED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE XXXX XXXX XX/XX/year> ACCOUNT NUMBER XXXX BALANCE {$4400.00}, XXXX XXXX XX/XX/year> XXXX XXXX {$760.00}, XXXX XXXX XX/XX/year> ACCOUNT NUMBER XXXX BALANCE {$10000.00}, XXXX XXXXXXXX XXXX XXXX XX/XX/year> ACCOUNT NUMBER XXXX BALANCE {$3700.00}. I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY TEFT REPORT AND UTILITY BILL.

THANK YOU
Product: Credit reporting or other personal consumer reports

Info used improperly and with out consent or knowledge of such
Product: Checking or savings account

This is this is a continuation of COMPLAINT ID XXXX ..Yesterday XX/XX/XXXX I received a letter from Huntington Bank with the date i.e. XX/XX/XXXX, which is still not specific to me.. there is no documentation or history of the transaction that I asked for from XXXX XXXX I do not think that this letter proves anything because it does not present no evidence that huntington bank did anything in my case.. I believe that this is a desperate and inept defense by them.. I didnt get the documentation and the course of the transaction, starting from the transfer, i.e. the time and date, then my report, then their report to XXXX to the ban

k ( what is the name of this bank??? ) which, according to them, rejected their request ( WHICH BANK REJECTS THE RETURN OF STOLEN MONEY???? ) date when the BANK STOPPED ( or tried to ) RESTRICTED TRANSACTIONS BY THE OWNER, .. date and the hour when these transactions were processed.. I also want to know on what basis they concluded that the money was sent from my phone and l also want proof of this.. I am attaching attachments to my complaint with photos of the transactions that the bank passed on to the thief and a photo showing that both transactions were still in progress when I called the bank to notify about the crime.. and a photo showing a call to Huntington Bank on the same day the transactions were made and the police report number and also a piece of paper that I received
from Huntington Bank, dated XX/XX/XXXX, without a signature, without any specific justification, without documentation ( the investigation- dispute should last 90 days not 4 ) I would like to remind you that I reported the crime on XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

We where place in a loan modification by Gregory funding, we gave them XXXX dollars in XXXX and then XXXX dollars a month for 6 months XX/XX/XXXX to XX/XX/XXXX. During this time we are still receiving late payment charges and threats of foreclosure while in our loan modification. I have tried to contact them and settle this issue with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.