23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Incorrectly charged by vendor on XX/XX/18, submitted dispute to Discover on XX/XX/18, no reply for weeks, submit follow-up message to Discover XX/XX/18, finally receive reply XX/XX/18 stating investigation initiated. Charge reposted by Discover to my card apparently on XX/XX/18, I notice and message on XX/XX/18 requesting details. Apparently charge was upheld by vendor, so I assume the complete details not passed on to vendor. On XX/XX/18, Discover replies and informs me vendor upheld, but they will continue dispute. Repost of provisional credit was once again not applied until XX/XX/18. Apparently vendor upheld a second time ( despite vendor themselves investigating and admitting equipment malfunctioned and their accounting dept tells me to dispute the charge ) at which point Discover reposts twice on XX/XX/18, and they state it's because my credit card number changed mid-dispute. I explain they already reposted to the old card on XX/XX/18, and I can clearly see four debits and two credits on my account, resulting in me paying for the vendor 's charge and also paying Discover for it as well. Dispute escalation manager replied and indicated I must be confused because some were on my old card number and some on my new. I message a couple times to explain she is not accounting for all transactions in her summary of debits and credits, and they repeatedly argued, even though there is clear evidence in my transaction history. It is poor customer service to take weeks to reply to messages when it's stated at the bottom of the screen the customer can expect a reply within 24 hours. But it's absolutely inexcusable for the disputes department to manually adjust an account and not take seriously a customer 's complaint despite evidence to the contrary. They eventually credited back twice, which resulted in eight total debits and credits. They never explained why they credited twice, if the vendor eventually validated my dispute or if Discover credited due to my complaint. However, my balance does not reflect that as it should be a net XXXX. Once the credits were posted on XX/XX/18, it should have resulted in a wash. I will attach documentation to that effect.
Product: Credit card or prepaid card

My Paypal credit account was closed due to insufficient funds and late fees ; I was informed via telephone that if I submitted my bank statement showing my account balance, they would reopen my account. Now I am being told that they won't reopen my account, and I have to apply for a new one.
Product: Credit reporting or other personal consumer reports

( See attached for complaint ) Subject : Urgent : Unrecognized Collection Account Reporting Dear CFCB, I am writing to formally address the ongoing issue regarding the continued reporting of an unrecognized collection account from Pro Collect on my credit report Account number # XXXX Despite multiple good faith attempts to resolve this matter, including my request for a debt validation letter from Pro Collect, they have failed to properly validate the account. The company has supplies a move out statement when I requested documentation showing my signature! 

I have enclosed copies of all relevant correspondence for your reference. Given that the debt has not been properly validated, I am concerned as to why this account continues to be reported each month. 

I respectfully request that you investigate this issue and remove the account from my credit report until proper validation can be provided. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is inaccuracies on this account. XX/XX/year> till now payment on the account is wrong. XXXX bureau is reporting on XXXX XXXX XXXX is reporting charge off.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged successfully on XX/XX/XXXX ( Case No. XXXX : XXXX ). I had a truck loan from USAA which was also included in the chapter XXXX BK. However, USAA bank currently has a lien on my title stating that I owe over {$5000.00}. The employee I spoke with from USAA 's Bankruptcy Department stated that he has information that the loan has been discharged but also states that I owe over {$5000.00} and needs to review it with his team. I stated that my ch.XXXX BK has been discharged since XX/XX/XXXX and it even shows on my credit that my XXXX XXXX XXXX has been paid off in the bankruptcy and I owe nothing. I was a member of USAA for over 20 years because they used to be a great company. Nevertheless, as time went on they became very corporate and their customer service and policies became very poor and dissapointing by putting lifelong members at a disadvantage with no incentive to keep using their services, even as a veteran. I no longer use USAA for any service and this experience is just another example of why I am no longer a member with USAA. 

Attached is my " Discharge of Debtor After Completion of Chapter XXXX Plan '' showing proof of all USAA loans being discharged.
Product: Checking or savings account

I opened my account at about XXXX MST on XX/XX/2019. There was a welcome bonus offer on their website for new customers offering {$200.00}. The bonus is being offered through XX/XX/2019. 

On the website there are 2 options presented. Open now and the coupon code is automatically applied or email me a coupon to take to a branch before XX/XX/2019. I clicked the open now button, completed my application and opened my Chase Total Checking account. 

I deposited {$30.00} into my account the same day and signed up for direct deposit. My first paycheck was deposited on XX/XX/2019. 

I never received a bonus. I called Chase Customer Service on XX/XX/2019 at XXXX. The representative didn't see a coupon applied to my account. He escalated my request to the research department. On XX/XX/2019 I received a call from XXXX XXXX. He left me a message and asked me to call him back at XXXX ext XXXX. 

I returned his call at XXXX MST on XX/XX/2019. He told me that the coupon team reviewed my online session and did not see a coupon applied to that session so he couldn't do anything. I asked what would cause it to not be automatically applied as stated on the website and he said " I don't know what you did during your online session but there was no coupon applied. '' I asked if I was ineligible for some reason or declined for the coupon. And he just kept repeating that there wasn't a coupon applied to my online session so he couldn't honor the bonus. I was never provided a coupon code when I applied online. The website says coupon code automatically applied and it wasn't for some random reason that no one can seem to tell me.
Product: Checking or savings account

I noticed a charged on my checking account I contacted my bank to dispute the charges the XXXX XXXX XXXX I requested a new debit card and disputing the charges. I was informed my new card will be received within 10 days. And the charges on my account will be refunded. Again, I called the XXXXXXXX XXXX XXXXXXXX I was informed the dispute takes 10 day and made sure they have started the process to send me my new card. I was told that process started the XXXXXXXX XXXX XXXX. The charges are still on my account {$44.00} Its the XXXXXXXX XXXX XXXXXXXX and the issue have yet to be resolved.
Product: Credit reporting or other personal consumer reports

The information they did not provide any verification of this debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to have the bogus accounts and information that are being reported on my credit file deleted as quickly as possible, I am filing this CFPB complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00}. Please send me copies of any documentation you have that shows you are the rightful owner of the disputed objects if you think I own them. These fraudulent accounts will be instantly deleted in the absence of these documentation.
Product: Credit card or prepaid card

I applied for Amazon credit card, at their offering, and received said card in due course. 
Upon receipt of the monthly statement, I had a charge of {$12.00} on the statement. Upon contacting the bank to determine the source of the charge, I was advised that it was from Amazon for the issuance of the card. They went on to say that there was annual charge of approximately {$140.00} for the card. I immediately cancelled the card and contacted the Amazon company to advise of same. They charged me {$12.00} for the initial month despite the fact that it was never used. They then reported the delinquent monthly nonpayment to the credit bureau, which I was forced to pay. However, despite making that payment and cancelling the card, they continue to use the information on my credit report, which was excellent for several years, before being lowered to good where it now sits. How many months should they be allowed to punish me for this matter? I never used the card for a purchase and did not need to pay for the honor of their credit card.
Product: Debt collection

XXXX XXXX calls me frequently demanding to speak to a relative regarding medical debt. I have told them repeatedly that this is not his phone number and we do not even live in the same area. I have asked them to stop calling on numerous occasions. They continue to call. This began on XX/XX/XXXX. They called me XXXX times on XX/XX/XXXX and XXXX times on XX/XX/XXXX. I have no legal responsibility to pay my relative 's bills that I know nothing about and I would like them to stop harassing me.
Product: Money transfer, virtual currency, or money service

Chase Bank wire transfer and XXXX products : Description of what happened : On XX/XX/XXXX, I was a victim of a phone scam where I called what turned out to be a fake customer service number for XXXX that came up via a XXXX search. It turned out to be a set up to lure people into being scammed by saying they needed to access financial accounts to verify their identity and provide help. The imposter coached me into providing access to my account through XXXX on my phone and XXXX on my laptop. I was instructed to initiate XXXX XXXX transfers and a wire transfer totaling {$16000.00} to test my identity, assuring me that no money would be transferred from my account. When I realized it was a scam, I immediately hung up and called Chase to report the fraud. A full breakdown of my communication, including message documentation and a detailed timeline, as well as FBI, XXXX Police, and FTC reports, were provided to Chase. 
All of this can be found in the following XXXX attachments. 
Although they dismissed me at the time, I have learned that XXXX is addressing this issue via legislation, noting that Chase 's denial of these claims betrayed its most loyal and vulnerable customers, who are highly suspectable to this type of fraud. 
Further, I reached out to Chase in XXXX of XXXX to ask for records of their attempts to resolve my claim and got the brush off again when after a week of " research '' they could not produce any record of their actions to help me. 
Thank you for your advocacy!!
Product: Credit reporting or other personal consumer reports

I did not authorize any of the inquiries below. 

XXXX XXXX file NOWCOM/XXXX XXXX XXXX- ( inquiry ) XX/XX/year> PLEASE REMOVE IMMEDIATELY!!!
Product: Student loan

I AM TRYING TO LOCATE MY DEFAULTED STUDENT LOANS TO MAKE ARRANGEMENTS AND NO ONE HAS BEEN ABLE TO TELL ME WHERE THEY ARE LOCATED PLEASE HELP. 

I CONTACTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

HELLO, RE ; CARRINGTON MORTGAGE - LOAN # XXXXI AM SEEKING YOUR HELP DUE TO THE FACT THAT IT IS OVER 3 YEARS TRYING TO GET HELP TO MODIFY MY MORTGAGE IN ORDER FOR ME TO AVOID FORECLOSURE. IN XX/XX/XXXX I WAS PLACED UNDER REVIEW FOR THE FHA HAMP PROGRAM, IT TOOK 1.5 YEARS TO FINALLY GET APPROVED. AFTER I WAS SET ON A 3 MONTH TRIAL PAYMENT OF A REDUCED MMONTHLY PAYMENT. MY LOAN WAS SOLD TO CARRINGTON MORTGAGE, NOW AS OF XX/XX/XXXX CARRINGTON MORTGAGE REFUSE TO CONTINUE HONOR THE PREVIOUS LOAN MODIFICATION AGREEMENT AND THEY MADE ME RE APPLY ALL OVER AGAIN. 

AFTER 10 MONTHS UNDER REVIEW REQUESTING FOR THE SAME DOCUMENTS OVER AND OVER AGAIN, I FINALLY GOT ASSIGNED TO A NEGOTIATOR. NOW THE CURRENT NEGOTIATOR TOLD ME THAT IT IS NOT ON THE BEST INTEREST OF THE INVESTOR TO HELP ME KEEP MY HOME AND BECAUSE I AM CURRENTLY SEPARATED THE INVESTOR HAS THE RIGHT TO REFUSE TO MODIFY MY LOAN. 

PLEASE HELP SINCE MY LOAN WAS PREVIOUSLY APPROVED FOR A TRIAL PAYMENT UNDER A GOVERNMENT LOAN MODIFICATION AND IT IS NOT FAIR THAT BECAUSE CARRINGTON DOESNT LIKE MY HARDSHIP I WILL HAVE LOOSE MY PROPERTY. 

PLEASE HELP, MY FAMILY AND I WILL NOT HAVE NO PLACE TO LIVE IF CARRINGTON TAKES AWAY OUR HOME. 


XXXX XXXX
Product: Student loan

They provide statement show loan payoff according to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 
Case No. XXXX ( XXXX. XXXX XXXX XXXX XXXX ) But not an itemized statement of the refund amount. There conflicting payments on the website and on the statement Refund amount XXXX ( not received ) XXXX ( Not received ) Check by the treasury was sent for {$16000.00} They told that where in the process entering the refund amounts manually. 
Could not get a date as to when the amount be updated And all refunds issued. 
I also received a letter of fraud alert on account while could not access for several months. 
As after conflicting information, They told me, it was dismissed but stayed on my credit for several months until I request from credit to debute. 
I had to request that credit agency debut and remove from my credit after over 180 dismissed of loans. 
I Asked should I be concerned You have no itemized of the amount to refund other then payment toward loans And total loans cleared It should bec noted as to the amount of the refund Overpayment was agree as payment amount paid dismissed in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
Case No. XXXX ( XXXX. XXXX XXXX XXXX XXXX ) Edfinancials is not my server where the loans were paid to it was paid to XXXX XXXX XXXX, was my server at time Edfinancial said you should get the money from dept of education or treasury department.we have nothing do with a refund. Dept of education said server responsibility Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer. 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 ' 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. The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. You never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under Subsection ( b ), 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. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 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. 15 U.S. Code 1681 e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR Subsection 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Mortgage

Shellpoint Mortgage paid someone else 's taxes through our escrow account. Each time we contact the company they say that they are looking into this concern. However, in the meantime we have a significant escrow shortage due to their error and Shellpoint has raised our mortgage payment. They are making us pay the shortage that was formed due to their error. Our mortgage has doubled and they are not providing any answers other than they are aware of the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX Account Number : XXXX  o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account Number : XXXX  o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$690.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account Number  : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$950.00} Unauthorized Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} Fraudulent Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX have been reporting information to my credit files, XXXX, Equifax, and XXXX. 
In accordance in the fair credit act. These creditors have violated my rights under 15 USC 1681 section XXXX. It states I have a right to privacy. Also 15USC1681 section XXXX section XXXX states consumer reporting agencies can not furnish an account without my written instruction. 

Thank you, XXXX XXXX