23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Square Up allowed for legitimate disputes to be charged back for contractual lease agreement payments that were legitimated and sent over during the dispute process signed by the leasees. These leasees paid for commercial rental units to be set up as short term rental and they fraudulently went in and disputed these charges for rent that was paid and are actually still occupying the units for their short term rental business. The charges are legitimate and contractual. Below are 3 charges that they have bank ruled in their favor. 

XX/XX/XXXX XXXX XXXX XXXX in customers favor {$700.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX in customers favor {$670.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX in customers favor {$6800.00} Below are additional charges that were disputed and actual contractual lease agreements are the in place for these legitimate charges. This has left my account in a large sum of negative balance that I should not owe. 

Date Disputed Date of Payment Location Dispute Status Respond By Expected Resolution Date Disputed Amount XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My amazon store card by Synchrony Bank has charged security fee without my permission/authorization. I never late to do payment and when I decided to cancel the protection there is no refund fee to my account. Thank you
Product: Debt collection

Hello, I have purchased XXXX XXXX for my car and had it for 2 years. I completed the insurance in XX/XX/2022 and had a phone conversation with XXXX stating that my insurance needs terminated and I was told I have no money due. I purchased XXXX insurance from XX/XX/2022 and have been with them ever since I moved from my uncle house to my own while they charged me for an extra XXXX XXXX and have been sending receipts to my uncle address but I was never emailed or given a phone call about it. After 3 months they apparently had the information sent to a debt collector who did the same by sending couple mails to my uncle address. 

I recently saw that my credit score was affected and then started to find out what has happened. I spoke with XXXX folks who said that they passed it on to a debt collector so they are not responsible and the debt collector asked me to submit proof 's of the XXXX insurance which I did but they now state that they received an email but want a different letter of proof. I obtained it and wanted to email to them but they now locked my account and told me the only way is by fax or mail. I had XXXX fax to the number which they provided and I was told it was denied. 

I need some help as this has been time consuming while I have proof and want to take care of it immediately but they continue to not listen and give me a hard time Regards
Product: Vehicle loan or lease

On XX/XX/XXXX we had purchased XXXX XXXX XXXX and myself XXXX and XXXX XXXX XXXX V wagon XXXX XXXX XXXX XXXX volts wagon did not go through and give me the paperwork at the time and when financing was being done my credit score was XXXX. My ex fianc was XXXX I do not have any source of income or any job, they asked me XXXX XXXX the sales person at Volkswagen of XXXX Indiana if I had a job and I said no and he said we will make it work, so XXXX XXXX XXXX was the cosigner. We went into the financial room, was led onto tactics of paint jobs extra charges that was not needed and so we both declined anything they did not give us any financial work, but had to sign papers. I was not aware of Predatory Lending and this is what has happened. I contacted volts wagon for, a copy of the financial records that we were not given the time of the sale after we left with the Volkswagen I am very disturbed that my credit score has dropped and that this is a part of Predatory Lending. I did return the XXXX  to volts wagon, but I would like my credit score to be back where it was since this is illegal. I am very concerned that I was taken advantage of this is not right to do to someone and I was not told what was going on when I went to return the XXXX XXXX XXXX XXXX is going to put it into his name or his business name supposedly and he had a negative balance on his trade-in of a XXXX  that I was unaware about of XXXX dollars when I return the XXXX XXXX had gotten smart with me and also lied and said that I filled out paperwork for a job which I did not because I do not have a job, I would like my credit score back to XXXX and my name removed off this. I had to actually text and call volts wagon several times to even get the financial paperwork that was signed off on because they did not give it to us the day of the sale.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute an incorrect late payment reported on my account with XXXXXXXX XXXX for XX/XX/year>. Ive always been on time with my payments for this account, and I have never missed or been late with a payment. The report of a late payment is simply not accurate. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the information they report is accurate ( 15 USC 1681e ( b ) ). Reporting this late payment is a clear mistake and a violation of this standard. Additionally, the FCRA ( 15 USC 1681i ) requires credit bureaus to investigate disputes like mine and correct or remove inaccurate information promptly. I request that this account be updated to reflect the correct status as " PAID '' or " PAID AS AGREED '', which is consistent with my payment history. I also ask that you provide an explanation of how the late payment was verified and why it was reported as 30 days past due. If it can not be verified, please remove it from my report immediately. 

This mistake impacts my credit unfairly and does not reflect my actual payment history. I trust you will address this issue promptly and ensure my report is updated to represent my account accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Charged OFF my credit card account on XX/XX/XXXX after I had negotiated a settlement. XXXX XXXX XXXX Continues to Report the account delinquent on my credit reports 7 + Years after I settled this account for less than full balance.XXXX XXXX XXXX Refuses to discuss this account and referred me to XXXX XXXX. After Contacting XXXX XXXX I was advised that they had referred this account to an attorney in XX/XX/XXXX ( 6 years and 11 months after the initial charge off ). The Attorney returned the account to XXXX XXXX and XXXX XXXX has No knowledge of the status but they will reassign the account to someone else in the next 5 to 10 days. XXXX XXXX XXXX Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was XX/XX/XXXX/ We attempted to resolve this account years ago but XXXX XXXX XXXX  was Not interested. The Original dispute Involved XXXX XXXX XXXX Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away
Product: Credit reporting or other personal consumer reports

Chexsystems failed to block the fraudulent items I reported within 4 days of receipt. To resolve this matter fairly and expeditiously, I request that Chexsystems take the following actions : block the fraudulent items from my credit report as mandated by FCRA 605B ; conduct a comprehensive reinvestigation of all disputed accounts in accordance with FCRA 611 ; provide detailed documentation of the verification process, including the identity of all furnishers or third-party entities consulted ; and confirm whether the Federal Trade Commission ( FTC ) was contacted regarding my submitted identity theft affidavit. Please provide a written response confirming compliance with these requests within 4 days of receipt of this letter. These fraudulent accounts include an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I demand that these items be removed from my consumer credit report within 4 days of reciept pursuant to my rights within the FCRA and FDCPA laws. The unauthorized inquiries include 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: Credit card or prepaid card

I was out of state on vacation and attempted to use my Capital One card. The transaction was denied. then I tried to use another one and it was denied too. I called Capital One and they told me that they closed my accounts but could not tell me any information of why my accounts was close. I was stuck in New York with no way of paying for my hotel or rental car. I had to have family send me money. I was so embarrassed and humiliated that my cards were declined right in the middle of vacation. Then when I call capital one the rep was rude and could not give me a reason why. I later received letters for the 3 closed accounts but still no real information was provided. I need my Capital One card. They are the only company I have a credit card with. I worked hard for my credit and I do n't fill like its right for them to tell me to reapply.
Product: Debt collection

Requested debt validation from collection agency ; validation not provided. Collection agency proceeded to report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of inquiry issue by TransUnion Credit Bureau, section 611 of the Fair Credit act failed to inform me re-recording credit breach negative inquiry.. TransUnion customer service would not help and take care of negative inquires reporting to my credit report. File no. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING. This series of misreporting seems to me clearly involves a universal and complete failure by this credit company to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report and i noticed payments posted on my credit report : JPMCB CARD under the account number XXXX. You company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term : consumer report does not include- ( A ) Subject to section 1681s-of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX Balance : {$4200.00}
Product: Credit reporting 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 a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal Goldman Sachs Bank USA 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. '' Goldman Sachs Bank USA the financial institution and the Consumer reporting agencies XXXX XXXX, 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, XXXX, Goldman Sachs Bank USA 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 nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Goldman Sachs Bank USA 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 1681s2 ( A ) ( 1 ) A states " 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 1681e 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 XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 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: Credit card or prepaid card

Bank of America promised to reward XXXX dollars to customer who spend XXXX dollars within 3 months after opening their credit card. I have not received this such reward, and the bank representative denied the existence of this offer.
Product: Mortgage

XXXX XXXX, XXXX Consumer Financial Protection Bureau Re : Wells Fargo Home Mortgage Consumer Financial Protection Bureau Case Number : XXXX Borrower : XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX Loan Number : XXXX Dear Representative, I am in the process of selling my home and need an extension of the foreclosure sale date, currently scheduled for tomorrow XXXX XXXX, XXXX. I 'm writing today to ask for your assistance. 
I am working with Wells Fargo to sell the property to avoid foreclosure. The property has been sold and the new Buyer has taken possession as a renter waiting for the Bankruptcy Court to approval removal of the final lien before escrow can close. 
The Court is requesting information from Wells Fargo as evidenced by the attached document. I forwarded the Court 's request to Wells Fargo on XXXX XXXX, XXXX via fax. Wells Fargo does not have record of receiving the fax, although they do have record of the phone call. 
Wells Fargo is now requesting information from escrow and the Buyer 's Lender before they will stop the foreclosure, which again is scheduled for tomorrow.. I am working to get that information to Wells Fargo ( a signed extension of the escrow period and a copy of the Buyer 's loan approval ), but Wells Fargo has stated they can not guarantee the foreclosure will be postponement. 
The sale of the property is a standard sale ; Wells Fargo will receive 100 % of the original loan balance, plus late fees, plus foreclosure fees. There were several liens on the property which have prevented the sale from closing, all but one of those liens have been removed, and once Wells Fargo provides the Court with the information requested, the final lien will be removed and the home sold.. 
I 'm asking Wells Fargo to allow us to the end of XXXX to close the sell and avoid foreclosure. Any help you can provide on this matter is greatly appreciated. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and I noticed some things were reporting incorrectly. I sent a letter to Equifax on XX/XX/year> asking them to reinvestigate the completeness and accuracy of my accounts. Here is my tracking number:XXXX. However, I waited the required amount time, They said everything was 100 % correct. I asked them how and to send me the description of the investigation based on 15 USC 1681 ( 7 ). they did not provide that, which is a violation 15 USC 1681 ( 7 ). They also violated 15USC 681 ( 5 ). They also violated 15 USC 1681e ( b ), this does not make any sense to me.
Product: Mortgage

Please note I could not upload all the attachments on your website. I received an error. 

I received an Annual Escrow Disclosure, but BSI Financial did not account for the correct home insurance premium on their annual escrow account disclosure statement which was dated XX/XX/XXXX, and sent to me. I am very concerned because I prefer things to be reflected accurately, and BSI financial did not reflect my home premium accurately on that disclosure. They also refuse to help make the change and send me a revised disclosure. 

BSI Financial 's escrow disclosure reflects an incorrect amount which was my original policy renewal amount before any changes were made by me. They printed and mailed this disclosure to me approximately XX/XX/XXXX BSI financial refuses to redo the disclosure because it doesn't meet their threshold to do so. They said something that it had to be over {$670.00} for it to be re-evaluated or something like that and my shortage was only {$620.00}. 

I was told that my request to have it reevaluated would likely be denied even though their error causes me additional hardship, and it's not accounted for the way it should be. 

I was told by XXXX at the company that the Insurer never notified them of the change with new premium but later XXXX at BSI Financial retracted that comment and said the insurer did send a new Declarations page the new amount of {$1900.00} but would not give the date they received. However, that still did not prompt them to correct my account they just said it would be an overage next year. 

My renewal was XX/XX/XXXX but I made changes to my policy on XX/XX/XXXX and XX/XX/XXXX. 

My premium went from {$2300.00} to {$1900.00} as a result of those changes. 

XXXX sent a copy of the declarations page to the mortgage company approximately XXXX the XXXX notifying them of these changes with the declarations page. 

There was a refund check issued in amount of {$340.00} for difference in premium. It was issued by XXXX on XX/XX/XXXX. I forwarded the refund payment to the mortgage company immediately after I received it as per my Insurance company instruction to do so. The Check # is XXXX issued on XX/XX/XXXX for {$340.00} BSI Financial had approximately 121 days from the time my insurer sent them the new declarations page showing the correct premium, but even after this amount of time they have failed to report it accurately. They seem to resist wanting to make this right, and do not care how these increased costs affect my family. 

It is not fair to us to have to pay for something additional when it was not accounted for properly by BSI Financial. They had plenty of time to send a correct disclosure to me. 
I hope you can get them to change their stance on correcting their Escrow Disclosure because it was entirely their mistake.