23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was sold a puppy by XXXX. I was promised a Labrador named XXXX shipped to me for {$500.00}. The seller said he wanted me to use XXXX to transfer the money, and since my bank, Wells Fargo, offered this service, I felt it was reputable and would be a protected payment as if I used another service. After sending the payment, the seller said that I needed to buy a thermal crate ( between {$900.00} and {$1600.00} ) to have the puppy shipped in since the regular crate wasnt sufficient for the weather and the size of the puppy. I started asking questions and realized that this wasnt as advertised. I didnt send any more money but then asked the seller to refund my {$500.00} payment as I told him that I couldnt afford to buy a different crate. He said he would refund the money and then blocked my number. When I call him now, it doesnt ring and says call rejected. I am upset that XXXX isnt backed by Wells Fargo to recover fraudulent charges and that this site continues to operate.
Product: Credit reporting or other personal consumer reports

The following account was to be removed from my credit report XX/XX/XXXX, yet Experian and XXXX are still reporting this account a year later. XXXX has since removed the account XXXX XXXX XXXX XXXX XXXX Experian and XXXX are also in violation of reporting incorrect information. The date last active was XX/XX/XXXX, yet you are reporting XXXX which is a violation of the FCRA. Furthermore, an account is to be deleted after 7 years. This account has been closed since XXXX XXXX, and it has since been 8 years. Please remove this account from my credit report or I will have no choice but to take your company to court due to FCRA violations. I will attach my credit report for your reference. I am expecting this account to be removed within 14 days due to the 7-year period.
Product: Mortgage

The title, deed, and note was requested. I asked to redress the securities section of the agreement. I asked for the notice to rescind and the Tila agreement because it was not included in the contract. I have sent a POA and informed Deephaven mortgage. I am not a minor and I have capacity to contract. I have requested to name of the trustee and all owners of the contract. I have requested to see the original noted with signature. I have requested all the documents I signed and all the owners of the loan. I have requested the copy of my application but never got a response. I requested a down payment back since you can not mix cash and credit transactions. I requested a loan modification and it was denied and I was told they do not do loan modifications. I asked was the note traded for a security and never got a honest response. I have sent in a POA and tender of payment and it has not been honored and the account is now about to foreclose. The company foreclosed my account without proper legal notification or jurisdiction. The company shared my information and I opted our of sharing my information. The company reported negative information to my credit report which caused me distress, my childs private school now thinks we can not pay our bills. The home owners association was notified and now the neighbors think I can not pay my bills. This is defamation. The remedy is to stop all attorney communication. The remedy is to stop foreclosure and set off account to a XXXX balance and give me title to home XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received our computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on XX/XX/2023 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me-not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2023 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is absurd! I was never late but was now like this.
Product: Debt collection

XXXX XXXX sent my account into collections despite the fact that I never received notification that a bill was due. Despite attempt to contact them regarding my account, no response to my inquiry will be made for at 24-48 hours. I need this resolved immediately. 
Also, the doctor 's office where the services had been rendered had no knowledge of this when I inquired about the medical bill in the {$490.00}. 

A collection notice came from a group named Synergetic Communication , Inc. in the amount of {$500.00}, which is the medical bill amount plus an interest charge of {$7.00}. Synergetic sent verification of the original bill, but that does not explain why the bill was placed in collection without being sent to me first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the unable to provide certification and official documents to validate accuracy to the XXXX Bankruptcy XXXX XXXX # XXXX shows on my Public Records from TransUnion and XXXX credit reports. They stated that XXXX is the furnisher of this date but XXXX states that they don't guarantee the information is 100 % accurate on there file. Multiple individuals, under my name shows on records, and XXXX XXXX or LCI are reporting unverifiable and inaccurate information. 
In addition, they are furnishing inaccurate information without written permission, violating my rights.
Product: Debt collection

I recently pulled my credit and found several account that did not belong to me.
Product: Credit card or prepaid card

Hello The problem is that vendor sent me return info, after Visa discussed it with them, and then they sent me two different addresses { copy provided in docs }, i was not able to figure out which address to use, so I sent them an email so that they could tell me which place was the appropriate address. 

I have included all the documents that I thinks reflects that I have earnestly tried to find out what address I should send this product back too, a clarification on their part could have easily resolved this matter, by updating a correct address. It is hard for me to guess where I should send the product too All docs have been provided to Visa, I also sent a letter recently to the Maryland Attorney General Consumer Affairs, and they have advised me to contact you folks. Copy of letter provided below. 

In Conclusion, we believe that Chase did not follow up with us nor take our problem serious, in order to see that we have tried to follow up for months on end, and get nothing about a run around from the Vendor and then even from Chase themselves, it was like our documented case was nothing of value to them, but we work hard to get the money to have purchased this item, which we had properly asked to return. 

thanks from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. 

Let 's be clear : your decision to dismiss my legitimate claims is not only infuriating but also a grave injustice. I have suffered greatly from identity theft, and the impact on my life, financial stability, and emotional well-being has been immeasurable. 

I demand that you immediately correct this injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing these accounts from my file, but a disregard for the suffering I have endured. 
XXXX and XXXX have already removed these accounts from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete these from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

If my please for justice continue to be ignored, rest assured that I am prepared to take decisive action to protect my rights. I will not hesitate to seek legal counsel to ensure that your bureau is held accountable for its negligence, the damage to my financial standing, and the immense emotional distress this situation has caused me. 

I expect a written acknowledgment of this dispute letter and an immediate commitment to investigate my identity theft claims with the urgency and seriousness they deserve. The law requires a swift resolution, and I insist that your bureau adhere to these legal obligations. 


Regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have confirmed I have not provided authorization for Navient to auto-dial or robo-call my cell phone. Despite this being noted in my profile information I have received numerous phone calls from Navient, which upon answering, a followed by long pauses before the representative responds to me answering the phone. These calls have occurred from XXXX and were received on XX/XX/XXXX at XXXX, XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX in recent call history from my cell phone. I consider the frequency of these calls to be harrassment considering my account was less than 30 days late and would like their business practices investigated.
Product: Payday loan, title loan, or personal loan

Aquired a loan from Fortiva. I made a payment by phone on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$300.00} for the XX/XX/XXXX and XX/XX/XXXX payment. It was withdrawn from my account on XX/XX/XXXX. I made another payment of {$150.00} on XX/XX/XXXX ( confirmation number XXXX ). It was withdrawn from my account on XX/XX/XXXX.
I was then contacted on XX/XX/XXXX - XX/XX/XXXX for failure to pay in XX/XX/XXXX. I am now facing interest charges. The customer service department stated that since " I did not process my payment during the correct billing cycle '', both payments were applied to XX/XX/XXXX, and none applied to XX/XX/XXXX. Therefore, my XX/XX/XXXX bill was considered late.
They could not apply the money to the correct billing cycle since " it is an automated system '' and they had no way of applying the payment to the correct billing cycle.
Furthermore, since I had paid a 2nd XX/XX/XXXX payment and my XX/XX/XXXX payment today ( XX/XX/XXXX in the amount of XXXX ) they could not cancel the payment since it was paid through the " automated system '', of which they can not change.
Product: Checking or savings account

I called Chase bank before I went to XXXX and told them I would be there in XXXX and to allow purchases and to be allowed to use my debit card at ATM machines in XXXX. ( I am sure that phone call I made was recorded ). I also told them that if they ever needed to verify me or my charges in XXXX that I would not have my American cell phone or access to that phone number with me in XXXX so that wouldn't be an option if they needed to verify me. I told them they would have to verify me through my email and or to ask me my security questions that I set up when I opened my online account. That only I would know the answers to. My laptop broke after being in XXXX for 2 months. I had already made probably XXXX purchases and or ATM withdraws in XXXX. So they knew it was me there using my debit card and there were no issues until my laptop broke and I went to an XXXXXXXX store to buy a new XXXX XXXX XXXX for around {$1100.00} USD. My card was declined at the XXXXXXXX store. Before I had a chance to call Chase customer service from my XXXX phone I went to get cash out of an ATM machine since I was out of cash to live on. My ATM cash withdraws that I tried to do were also declined. I was out of money and no way to pay for anything online including my hotel room bill or my plane ticket home, etc. etc and I had no cash to live on. I spent the next 3 days on my XXXX phone calling Chase fraud dept to have them unlock my account. I asked to speak to the supervisor and higher and higher up the Chase fraud dept I went from supervisor to supervisor until I reached the highest person in charge of the security dept. They never would unlock my account. They said the ONLY way they would be able to verify me and unlock my account was by my American cell phone number. I begged them to do it by my email and or my personal security questions but they wouldn't. I had no other credit cards or debit cards. They made me homeless in XXXX with no money for food or anyway to pay for a hotel or plane ticket home. Please help me get these evil doers. 

P.S. 

I have been to XXXX probably 20 times in my life and when this happened before I would just call them up and fix the problem in one call and they would unlock my account via my email and my personal security questions. The date this happened was around XX/XX/2022 give or take a day or 2 since XXXX is 15 hours ahead of California time.
Product: Credit reporting or other personal consumer reports

I have previously sued your company for negligence and non compliance, which we came to a settlement agreement, just a few days ago.These accounts wasn't included in the lawsuit so i am now disputing these inaccurate accounts. i assure you its in your company best interest to take my disputes seriously. This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated or deleted. So please investigate these accounts due to the inaccuracies that are being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are ( 6 ) student loans being reported under XXXX  XXXX XXXX reporting inaccurate late payments. It clearly indicated on my credit report XXXX  PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE XXXX. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE XXXX  PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.
Product: Debt collection

XXXX XXXX XXXX, XXXX is using extremely harassing tactics to collect allegedly unpaid toll on behalf of XXXX XXXX XXXX. I opened a XXXX XXXX XXXX account shortly after those were instituted. I have a payment card on their file since that time. Last year, my bank account got hacked and I had to get it closed. For a few business days, the card on file was not working. I updated my payment information on the account soon after receiving the new debit card. Unfortunately, during this brief period, my card ran out of {$35.00} required balance. Their attempt to charge the card failed. Shortly after I received a delinquency letter from the above mention collection agency mentioning that I have unpaid tolls and I have to pay fine. They sent the case to a collection agency without asking for any explanation or attempt to collect from a customer who has a payment method on file. I contacted XXXX XXXX and informed them with my situation. I was told to contact the collection agency. The agency does not provide any website address, email address or fax number. So, I called them. They offered me a discount on fine. I asked what fine? I did not do anything wrong and by having a payment method on file I am showing that I do not want to avoid tolls. I offer them to charge my card on file for the amount equal to the charge for missed tolls. They refused and gave me an option to challenge. Challenge can only be done via mail. I mailed the challenge. Later on, I got the letter mentioning that they could not process my petition because they do not have the necessary documentation. So, I printed my record from XXXX XXXX XXXX website and mailed them. I was waiting for a decision. In the meantime, I got another letter asking for payment, as if there was no challenge in the process at all. I request you to please, stop this harassment, as soon as possible.
Product: Debt collection

After a car accident due to the car hydroplaning in late XX/XX/2020. I spoke to XXXX and let her know i was coming to get my things out of the car. They were in such a rush to sell they got rid of the car before i could get my things when i areived they were remorseful and told me there is normally a cost of {$500.00} after a total loss but they would waive it because they got rid of the car with high value items inside. After complaining to them about my irreplaceable items they were upset and when i left they decided to put that charge as well as other chafges on my credit eventhough i do not owe a single dollar. I had gap insurance through that company who i bought the car through them. l can provide proof that this has affected my credit and my ability to get future loans and I have been dealing with homelessness due to this hardship. I reached out to this company and they werent empathetic.
Product: Credit card

I've had my Barclay carnival card for years. 
XXXX weeks ago I got an alert so I called them and someone was trying to use my card. 
I told it wasn't me. They closed that account and told me to reapply which I did. 
They denied me credit due to previous account activity not due to my credit.I contacted them today after they sent me a new card and they canceled it too with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

remove : FCRA violations XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$210.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$210.00} - Payment Info Original loan amount - Balance {$210.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved ; customer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX XXXX XXXX, XXXX, PA XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$320.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$320.00} - Payment Info Original loan amount - Balance {$320.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved ; customer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX
Product: Checking or savings account

I WENT TO THE BRANCH TO GET A CARD REPLACMENT AND WAS TOLD THAT WAS MAILD BUT NEVER RECIVED THE CARD WAS TOLD THAT THE POST OFFICE WAS THE REASON OF NOT RECIVING MY CARD. ACCORDING TO THE BANKER THEY WAS GOING TO OVERNIGTH BY XXXX .. AND NEVER HAPPEND THIS SITUATION ITS BEING GOING OVER MOTHS THEY AREADY GAVE ME 3 TIMES TEMPORARY CARD BUT NEVER ISSUE A PERMANET CARD I BEEN WITH THIS BANK FOR YEARS DO NOT APRECIATED THAT I HAVE TO GO TO THE BANK FOR HOURS AND THEY HAVE DIFERENTS STORIES I WILL APRECIATED IF SOMEONE WILL LISENT TO THE RECORED LINE AND SEE THE ON ACURED EXPLANATION AND FALSE STATEMENT TODAY THEY TOLD ME TO WAIT THAT I WILL RECIVED MY DEBET CARD BY XXXX LEFT WORK EARLY TO BE HOME LOST A DAY FROM WORK AND NEVER RECIVED MY CARD
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I received a letter from XXXX  XXXX XXXX and noticed charges for transactions that I did not authorize. I did not have my card in my possession and did not permit anyone else to use it. The last time I had my card was in XX/XX/XXXX, and I suspect it was stolen in XX/XX/XXXX. My card was used for multiple fraudulent charges since XX/XX/XXXX, totaling {$430.00}. After my account was closed, I was not provided with bank statements, leaving me unable to properly address the issue. Despite filing disputes with XXXX  XXXX XXXX, XXXX, Equifax, and XXXX several times, none of them resolved the issue or corrected my credit report. I am a victim of both fraud and identity theft, as well as the negligent handling of my case by XXXX  XXXX XXXX, XXXX, Equifax, and XXXX.