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

Originally victim of a scam where I was double charged for my purchases. There were XXXX legitimate transactions. I signed a receipt for both. Merchant told me they had to rerun the transactions because there wad an issue with running my card so they reran both transactions again. 

I disputed transaction with Wells but they said since I signed the receipt I need to call merchant. I called the merchant. After a XXXX XXXX of talking to random people I got a hold of the manager. Instead of reversing the transaction he just lied and said the prices were all doubled. Which is absolutely ridiculous and an obvious scam. 

I reached out to wells and explained what was going on. XXXX of their people literally said to me she knows this is a scam but there's nothing they will do. This double charge is {$3600.00} mind you. So wells was totally fine letting me just get robbed of {$3600.00} and letting me figure it out. This after XXXX XXXX  of perfect pay on multiple trade lines with them. They told me unless I come up with new info they wouldn't help me. 

I got copies of the receipts and documents from transactions and pointed out an obviously forged signature on XXXX of them. I sent them copies of my uber receipts showing time I left. I've sent screenshots showing people verifying in XXXX reviews the pricing me and merchant agreed upon. They have ignored this info. I've asked for the person investigating my issue to call me each time I was promised a phone call but they never do. 

I reached out to the XXXX XXXX  to try and get a referral for a lawyer to sue the merchant. I've called multiple lawyers myself to try and get this handled. After a time I decided I will just pay as much as I can so my perfect credit stops getting damaged and because I had spent over XXXX XXXX XXXX stressing about this. 

When I called wf and asked for settlement options the person I spoke to ran me through a calculator. After I had answered literally just the XXXXXXXX question she influenced me to change my answer. Ultimately I was declined a settlement. When I asked why they would rather me just charge the card off she said it's because they can write the loss off in their taxes. 

I had to liquidate my IRA so I could pay off the transaction and it still was not enough to cover the late fees and interest accrued while I was fighting the transaction. 

Wells is the ultimate example of apredatory and irresponsible lender They gave the merchant an opportunity to scam me. They're allowing me to be victimized by the merchant by not reversing the double transaction. They're also profiting off of the scam by trying to collect interest and late fees accrued while trying to resolve this. On top of that the customer service has been horrible. I never get the calls I've been promised and their responses are delayed allowing more fees and interest to accrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of credit fraud in which someone tried using my identity to open credit cards. I filed all paperwork with FTC and all legal action is completed, copies sent to all the Bureaus. I need these unauthorized inquiries removed immediately!! 
The Unauthorized Inquiries on my XXXX and TRANSUNION Credit Reports : XXXX : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Transunion : 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 XX/XX/2022
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the false, erroneous, and misleading entries on my consumer report have been unsuccessful. These inaccurate records have severely disrupted my life, resulting in considerable anxiety and distress. As a victim of identity theft, I must emphasize that I never sanctioned or agreed to have this information linked to my identity.
Product: Credit reporting or other personal consumer reports

Warranty have expired overpayment wanted to trade in my car identification stolen car false statements
Product: Checking or savings account

I closed my JP Morgan Chase checking account on XX/XX/2022 and was told to wait 10 days for the funds in my account to be issued in check form, I called cust. service 10 days later and was told the check was issued on XX/XX/XXXX, than XX/XX/XXXX than XX/XX/XXXX than XX/XX/XXXX than XX/XX/XXXX than XX/XX/XXXX fonally on XX/XX/XXXX I was told to call back on XX/XX/XXXX to check the status, the bank is refusing to return money, there is no fees or loans or cause for NOT returning the money, when I call they transfer me multiple times than hang up
Product: Mortgage

I am veteran who aplyed for a VA house loan with Veterans First mortgage in XXXX XXXX, ca. After working with them for 8 mos. doing all the paper work and paying {$60000.00} for a " appraisal '' the manage asked what other also was needed to complete the loan process. She was told they did not known! I then call and informed Veterans First Mortgage we were dropping them to go to go with another lender and and could we get our {$600.00} back for the appraisal that was never completed. I was told they doubted they could get the money back. They said they wondered why it took us so long to drop them. I do not want some other veteran to go through this process. Our new lender had us well on way within hour phone call! We would like to get our money back?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I spoke with a XXXX 'XXXX representative to pay off may account in full and close my account. I received a letter from XXXX XXXX confirming my account had been closed, per my request. Months later I received a bill for interest on the account and was told by a representative that it was an error and would be removed. For several months I received the same bill and each time was told that it was a mistake and it would be handled with no affect on my credit. Several months later I again contacted them but by e-mail to get their response in writing. I was informed in writing that their mistakes would be removed from my credit report. I still have a mistake on my credit report, showing a late payment occurring in XX/XX/XXXX, which is six months after my account was closed. After at least 6 phone calls and e-mails XXXX XXXX has not removed this from my credit report and this appears to be a malicious act on their part. Please see all attached documentation from XXXX XXXX, including their written promise to clear my credit report. This is negatively affecting my credit.
Product: Debt collection

I am not an attorney. This is regarding my personal consumer file and my federally protected rights as a consumer according to the FCRA and FDCPA. I assumed the vital role of my life/consumer file and opted to request a debt validation from Toyota Motor Credit sent on XX/XX/XXXX and received by them on XX/XX/XXXX. Not only have they actively ignored my request for validation and exceeded the 30 days I gave them to provide validating documents, but they've also disregarded my Cease And Desist letter and continue to communicate with me by furnishing negative items on my consumer report as well as through other mediums. I still haven't received a response and as of today XX/XX/XXXX it has been 159 days later. I gave them more than enough time to find what they could muster up. I expressed in both pieces of documentation that if they were not going to validate the alleged debt ( rather than verify it ), then they were to delete all references regarding the alleged account and completely remove them from my credit file. I expressed that during the validation period, pursuant to 15 USC 1692c ( c ), that all collection activity must cease and desist. They have continued to demand money from me and threaten me with negative/false consumer reports even though I never gave them permission to use my personal private information to report anything to any consumer reporting agencies. My Social Security Card is considered a credit card according to 15 USC 1602 ( l ). My consumer credit transaction with them involved my credit card. As stated in 15 USC 1681 a ( b ), any authorization or approval deriving directly or indirectly from a credit card should be excluded from a consumer report. Also, any obligation authorized through a credit card is an obligation assumed by, and deferred to, the United States according to 18 USC 8. Further evidence that the alleged debt does not belong to me. 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Toyota Motor Credit has violated me in many more ways and are ruining life opportunities for me by consistently reporting fraudulent and inaccurate information. You will see in the pictures that I include that they quite literally report the same monthly payments as both on time to some agencies and late to others- clearly inaccurate and false. I am demanding that they either reflect positively on my consumer files or completely remove themselves from any and all files associated with the characterization of my credit. As well as monetary relief as outlined in my documentation, and the title to my vehicle lien-free .
Product: Credit reporting or other personal consumer reports

Over the course of the past 2 years, I have been diligently recovering from identity theft by removing fraudulent information from my credit reports. 
XXXX respected my rights under the FCRA and removed the fraudulent accounts, inquiries, and information but Equifax and XXXX refused to and continue to further violate me and my rights. 

I am a victim of identity theft and have supplied my FTC and APPROVED police reports countless times. 
The only correspondence I have received was that " my signature was on documents so therefore its validated '' but this is frivolous because my information was fraudulently used. 

I am now left with no choice but to file this complaint and consider seeking litigation from both of these bureaus. 

I have attached my police report and dispute letters that I have sent.
Product: Credit card or prepaid card

I have an Amazon Visa card. It is through Chase. Purchases are coded with a number that is not mentioned anywhere on the Amazon site attached to any particular purchase. The only way to have an inkling of an idea of what has been purchased is to check the price on the visa bill against the orders on your Amazon page. On regular credit cards, the item purchased is described as well as the price paid. I find the strategy unreasonable, illogical and rife for abuse as one can not know for sure what the charge on the card is attached to at Amazon. Can the Amazon Visa people be forced to indicate the item purchased and the charge?
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasb ehind on my payments and Avio credit took the money ( several payments ) out of my checking account without my permission.AND, I had to stop payment because I was in the hospital and not working. I don't want this to happen again. What should I do?
Product: Credit reporting or other personal consumer reports

tried to change phone number on online account profile three times, never worked. Reported problem to experian. Got auto emails an no assistance with correcting incorrect information on my " credit account ''. The online account management is not working. The experian customer service is just an auto reply garbage collector. It is a crime that the credit reporting agencies ( experian ) can XXXX up all information about you, but can not manage or protect it. Oversight and regulation and penalties for mismanaging critical personally identifiable information is sorely needed. Credit information these vampires collect directly affects your ability to get credit, your job, and your insurance.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I sent a dispute letter via the consumer reporting agencies because I can not verify the information reporting on this account. On XX/XX/XXXX I received a response from you via XXXX. 

On XX/XX/XXXX I sent a dispute directly to you at the address specified on my credit report which is XXXX XXXX XXXX, XXXX, MN XXXX. I have confirmation that The letter was delivered to that address on XX/XX/XXXX at XXXX. I have received no response back from you. I am challenging the accuracy of the accounts You are reporting on my consumer report. 

The first challenge Im disputing is the fact that this account is failing to reflect a closed status in the payment history section on my consumer report in the appropriate month the account was closed. 

I understand that this account did charge off, I am not disputing the account status, but the payment history status. A charged off account is a closed account in which no future payments are scheduled to be made. But unfortunately, the payment history on this account is not reflecting a closed status at all. I want to stress the fact that if you look at the remarks on this account, it clearly says closed by credit grantor so where is my closed status in the month the account was closed? 

Another thing I am unable to verify is the payment history on this account from XX/XX/XXXX to XX/XX/XXXX because there is no data being reported for any of these months on my XXXX report, none of my positive payment history is being reflected on this account, which makes it incomplete. 
Please take a look at this supporting documentation that I have included in this letter, which includes a copy of my XXXX report and The investigation results that I received from the consumer reporting agencies of you verifying that this account is indeed reporting accurately. 

I dont agree with that conclusion at all this account is definitely incomplete, and unverifiable. I am demanding the immediate compliance of this account to meet the FCRA standards. If you can not bring this account up to compliance with the FCRA. You need to remove this account immediately.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES was removed from my credit report in 2023 for inaccurate information and put back on my credit report causing my credit score to drop
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate entry being reported under Experian. I have repeatedly asked for evidence to support your reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX  which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

The account has not been updated since XXXX 2019 ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

synocary bank continually denies any credit applications i file, my credit score has gone up and its almost three years since my medical bankruptcy i do not think their making a fair assement of my credit report especially since i received 2 unsecured credit cards form XXXX XXXX and both are in good standing
Product: Credit card

I ordered a pair of XXXX XXXX XXXX XXXX XXXX from XXXX back in XXXX for {$240.00}. They were marked as delivered and signed for but I wasn't home and never received them. Weeks later, they finally arrive but I received the wrong sizes. I ordered a size XXXX and received XXXX size XXXX and XXXX size XXXX. I reached out to XXXX and kept getting told I would be sent a return label. I have still not gotten XXXX and it's been XXXX weeks. I disputed the transaction with Discover with documentation showing how I was right but my dispute was denied and I was recharged {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by Equifax on XX/XX/2022 that account number XXXX with XXXXXXXX XXXX  was no longer reporting on my credit report. 

I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the Requirements of the FCRA section 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such of Notification, this is a serious violation of the FCRA, and I know I have the right to pursue legal action for this clear violation of the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an auto loan being reported on my credit as a repossession/charge off and that information is incorrect. I spoke to numerous representatives to resolve this matter but they keep trying to negotiate a balance that is incorrect. I spoke to representatives from ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX )
Product: Payday loan, title loan, or personal loan

I have tried numerous times since XX/XX/XXXX to get a loan ( using my XXXX XXXX XXXX XXXX as collateral ). All 3-4 times were initiated by XXXX XXXX stating that my loan was guaranteed Pre-Approved and even 100 % approved for even more than I had requested. Each time I went through the entire application process being told by One Main that my loan was guaranteed and each time I was denied at the last minute including this week! I am completely baffled and dumbfounded by the false advertisement and lack of professionalism & competency of this business and how they continue to exercise business this way!! I have proof of each time of going through this process including email communications and screenshots of guaranteed approval.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries from Capital One have appeared on my report ( 4 total ) unknowingly. I did not authorize anything from Capital One and I know nothing about these inquiries and would like to have them removed immediately. I disputed the 4 hard inquiries over the telephone with XXXX and will like to have these items deleted immediately.
Product: Checking or savings account

I received an amount of XXXX on Monday, XXXX XX/XX/2023 at XXXXXXXX XXXX from XXXX XXXXXXXX XXXX with a message go XXXX yourself. I am offended. This person send money through XXXX I tried calling Bank of America, they said they are not responsible for those messages. Please contact me and take necessary action to avoid these kind of issues for fellow Americans.
Product: Debt collection

On XX/XX/XXXX, I received a cell phone bill from XXXX for the amount of {$540.00}. The amount is 5 times my normal bill amount. 
In XXXX, I called XXXX to have them switch XXXX of my lines to unlimited. This never occurred and they are stating they do not have a record of my request. In XXXX our lines were disconnected. My husband and I attempted to port our numbers from XXXX and they are holding our numbers XXXX. These numbers were originally ported to XXXX and we have had the same numbers since XXXX. 
Every time I called to resolve the issue, I would get transferred to different departments, often the wrong ones. Many times I would be disconnected while on hold. The language barrier with the representatives makes communication next to impossible. I was promised callbacks both from customer service and my local Xfinity store, which never happened. 
I have XXXX paid-off phones and they are also holding them XXXX and will not allow me to port them to another company. My XXXX XXXX XXXX XXXX is listed on my account as paid off, but XXXX states this is false despite my documentation. 
I was sent to a collections company 3 times in XXXX just to be told my debt was not with them. I received a collection letter in XXXX, yet XXXX continues to charge my account despite disconnecting my lines 3 months ago.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.XXXX XXXX also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-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.