23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>. I filed a dispute with Dasher Direct for unauthorized transactions because i lost my mobile device recently. I provided a police report with case number to prove the incident was real. Once i saw the unauthorized transactions, i contacted the merchant because i used the merchant in the past but only a few times. The merchant was able to give me the email and phone number of the account which initiated those unauthorized transactions. I told the merchant that was not my email abd phone number. I asked them to reverse the money but they told me to contact card issuer. Then i called Dasher Direct support to file dispute. I submitted a wrtitten request by email like they told me to. A few hours later, i got the reply from Dasher Direct special investigation team saying that they declined the claim because i did not take good care of my device. I asked them how did they come up with that assumption and i requested an explanation in details included the documents they use for the investigation. They ignored my request and not answer to any of my email. I called in Dasher customer support, they put me on hold for a long time then transferred me around and said the decision is final. Until now theres no reply from them at all. DasherDirect canceled my cards and i still did not receive my new card. 
The lost money in the dispute were my hard earned money and saving put together that i save up to fix my car which is more than XXXX miles and it had all the engine lights pop up. Dasher Direct not only did not do any investigation but also took away my rights of request an detail explainations the investigation decision. I sent emails and calls multiple times a day since XXXX till now. No one bother to answer my question. I asked to talk to Dasher Direct manager and they told me manager will never be available instantly. I have to fill out request they manager will call me later. It has been more than XXXX weeks and they dont care to call me, no even XXXX time. 
I enclosed the pictures of the conversation between me and Dasher investigation team. They reply me 2 times and the rest they just resend me the same message i sent them like this is a joke to them.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXXXXXX XX/XX/2021 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Money transfer, virtual currency, or money service

Extortion, racketeering and fraud Here is an example what happens when you borrow money from a bank LOAN ACCOUNT Assets $ XXXX Liabilities $ XXXX Lets say we borrow $ XXXX for a house loan. 

MORTGAGE $ XXXX H0USE Buyer Seller The buyer signs a Promissory Note with the above amount as a deposit in a bank for a house loan The bank writes a check from the Liability account and pays the seller out. In a perfect world, the seller got paid and the buyer takes over his house. 
BANK The Bank deposits the Note into the demand account with entry of equal liability amount out of thin air!

BANK ACCOUNT DEPOSIT Asset Liability $ XXXX $ XXXX The bank uses your signature + sells your Promissory Note To the Clearing Houses. 
Assuming the clearing houses will take a cut of 10 % XXXX XXXX TOTAL $ XXXX Now the bank still collects your mortgage payments with interest, having sold your Promissory Note! 
XXXX XXXX XXXX book ( underground ), and or negotiate a deal with the Bank. 


















For sale The Bank is still in possession of the $ XXXX asset, your XXXX Note Sales profit
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian XX/XX/XXXX to dispute three accounts after checking my credit report. 

I do not recognize XXXX XXXX XXXX  as someone I owe and they have not been able to furnish a contract or a HIPAA agreement that gives the creditor permission to report to EXPERIAN or any credit reporting agencies, or that this debt was purchased by XXXX XXXX XXXX XXXX or that they are acting on their behalf through an assignment. 

With XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the account is paid in full XX/XX/XXXX and they continued to mark the account as CHARGED-OFF XX/XX/XXXX and XX/XX/XXXX which is not only inaccurate but furthers the First Date of Deliquency to XX/XX/XXXX. So this debt has been re-aged. CDIA states that a CHARGE-OFF is an " unpaid balance reported as loss '' even though the account has been satisfied. 

XXXX XXXX reported after my dispute that the account on XX/XX/XXXX is also CHARGE-OFF which by the CDIA means that there is an " unpaid balance reported as a loss '' however the ccount was written off for {$0.00}, no prior late payment between XX/XX/XXXX and XX/XX/XXXX, and the account was satisfied XX/XX/XXXX through XXXX. This account also been re-aged. Please note that this account was also removed in XX/XX/XXXX by Experian due to the account being inaccurate or unverified. 

EXPERIAN did receive the receipts I have provided and through my case manager Ms. XXXX XXXX have acknowledged that the information I have provided matches what XXXX and XXXX XXXX provided. Attached to this compliant is call made to Experian and my case manager Ms. XXXX, where I asked about Experian 's policies and determination of the results given to me. These actions are in violation of 611 ( a ) ( 5 ) ( A ) and reinserations in FCRA 611 ( a ) ( 5 ) ( B ). 

Yet the reporting these companies have made are incorrect also violate of FCRA 623 ( a ) ( 8 ) ( E ) and I have yet to receive the documentation as stated in FCRA 609 ( a ) of my consumer file for further examination.
Product: Credit reporting, credit repair services, or other personal consumer reports

It indicates that my credit report has been corrupted. I was looking over my records once more when I discovered many items that did not belong to me. Since I'm a stickler for details, I discovered that under section 605b of the FCRA, you are required by law to remove and prohibit any things that are discovered to have been opened as a result of identity theft. I do not own the objects in the dispute. I have sent the FTC Report that you need ( found through additional research that both parties requested ). Please block or delete these files. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over XXXX hard inquiries on my report. I have spoken to Experian, XXXX and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX  to see why they reported an increase to.my balance when I pay on time and extra. They claimed that the problem was Equifax that they didnt report that amount. When my dispute was completed with Equifax it said account was accurate.When I looked at the payment reports it doesn't show where I paid extra. I feel like i am getting the run around. This increase made my score drop. They need to fix this.
Product: Credit card

I checked my statements one day to find out that i had a XXXX XXXX subscription being charged to my chase freedom credit card. Im not sure how i missed it but i looked back and saw it was almost a full years worth i was being charged. I did not sign up for any XXXX XXXX and they're saying my email approved the subscription but i checked my email and there is nothing for XXXX XXXX there. It was clear fraud they did not provide any paperwork to me to prove that it wasn't fraud. I was being charged on the XXXX of every month for a year. the monthly amount was {$88.00}. they credited the charges and then seemed to apply them back onto my account. like i stated they did not provide any proof that it was me. i know for a 100 % fact i did not buy a XXXX XXXX subscription. it was clear fraud.
Product: Debt collection

Calling four times a day EVERY DAY after I told them not to and that it was excessive. I have spoken to them more than once about this.
Product: Consumer Loan

My payment is on ACH but Cash Central debits my account before I actually receive my direct deposit check and outside the agreement. So every month I have to be on the phone with their customer support. I am pro active and call them instead of waiting for them to contact me. I have tried almost every month to get the problem corrected but to no avail. Their reps do n't want to hear the problem. Cash Central should stick to the agreement of when they would debit my account, same day that I get paid, not the day before. Also, they should have reps that actually care when I am calling them, not returning a call. I was transferred 5 times tonight but that does n't concern me as much as the fact that you sit on hold in between calls because they do n't know where to transfer the call. I pressed the right # s initially to get to the correct dept. it took over 25 mins to handle this tonight. If it could be fixed without another 30 -45 mins. Thanks.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Equifax received a letter from me demanding inaccurate information be removed. I did not give permission, written, unwritten, verbal or non-verbal, to Equifax to share the information provided in my letter. To prove my identity I sent a copy of my passport card issued by the department of State, and a Letter from the department of state sent to my address. I do not have a paystub with my complete U.S. social security number, or a W-2 from with complete U.S. Social security number. I also DO NOT have a Driver 's license, rental/lease agreement or house deed, paystub with address, or any utility bills. 
Equifax responded with a letter demanding my full social security number which is a violation of the privacy act of 1974. I have also tried to change my name with Equifax which have gone ignored.
Product: Debt collection

I waas first contacted by FirstPoint Resources via phone in XX/XX/XXXX. They told me it was an attempt to collect a debt for XXXX XXXX. I asked what it was in reference to and they said a ( XXXX  XXXX ). I have never had a XXXX done so i asked they provide supporting documentation of what they were referring to. 
On XXXX - they sent me a secure message with a ledger from XXXX XXXX showing my name as the patient for a XXXX   XXXX XXXX on XX/XX/XXXX. 
Again, I have never had a XXXX  XXXX  so I contacted XXXX XXXX and they stated that they did generate the ledge but would not know any more and I would need to contact the hospital who would be responsible for any billing. I have no idea who to contact or how my name is listed as Patient. My main concern is having any damage to my credit, but also that this agency is trying to collect money that is not owed.
Product: Credit reporting or other personal consumer reports

My information was data breached by three different companies and want everything removed of my credit to start fresh to make sure nothing was add by anyone else.
Product: Credit card

After I filed a complaint against them ( Stuuell, Hammer & White ) again took me to court without inviting me to participate. According to my payroll dept, a courtr order allowing them to garnish me was signed on XX/XX/2015. I was ( again as usual ) not served. Additionally, I learned that I Shoud have been served with documentation inviting me to participate in the court process, again, this did not happen. This represents a pattren of abuse and fraud by this company that Must be haulted.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX indicates that TransUnion XXXX and XXXX are reporting inaccurate and incorrect items on my credit account. 

After me successfully removing these items the 3 credit bureaus continue to add more incorrect items/accounts on my credit file which does not belong to me. 

I XXXX XXXX XXXX indicates that this problem has been occuring for the past 4 and plus years. I XXXX XXXX XXXX indicates that after me successfully disputing these items with 3 reporting agencies inaccurate items that the accounts somehow reappear and other incorrect items/ accounts are open in my name. 

I also state that the XXXX reporting agencies make me wait again after I successfully disputed these items. 
I ask that you Please reach out to me if you may have any questions or concerns in regards to Serious federal Consumer fraud I ask that you Please see attachment below please and Thank you, Thank you, Best and kind regards XXXX ( XXXX ) XXXX Trans Union and subsidiary violated the FCRA by failing to remove inaccurate or incomplete eviction records from consumer reports, harming ability of people to obtain housing
Product: Debt collection

IC SYTEMS INC. CLAIMS I OWE AN UTILITY COMPANY {$140.00} SINCE 2014. I DO NOT OWE ANY MONEY TO ANY UTILITIES COMPANY. I HAVE NEVER BEEN INFORMED ( VIA PHONE NOR IN WRITING THAT I OWE THIS AMOUNT. ) THEY HAVE REPORTED THIS INCORRECTLY AND IS AFFECTING MY CREDIT REPORT.
Product: Money transfers

We have attempted to wire money to a escrow account for two days without success. 
The first transfer attempt failed because the account number was improperly submitted, the second attempt we were told was a failure to initiate the transfer after the account numbers were corrected. We have traveled more than XXXX XXXX miles in an effort to correct the problem, plus have made several phone calls without the problem being corrected, just promises that were that were not kept.
Product: Debt collection

XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 10 % Balance {$50.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$500.00} 0 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00} {$500.00} 10 % Revolving Negative XX/XX/XXXX These two accounts are the same and are being reported inaccurately in the fact they are the same company and are trying to appear as the same debt is 3 deliquent accounts instead of just the one original one. In addition to this, the terms and amounts of debts are all incorrect and being reported inaccurate. I asked for this account to be validated in writing from the original creditor once I saw it being reported on my XXXX Credit Report. I was not even sure I owned this debt to begin with. The company told me they would not mail me a validation, but would mail me the current bill not including the intrest as that could not be calculated until the final bill was paid. I was unsure how this made no sense but still said I needed a validation letter as well. Regardless, I received neither. In addition I was never notified in writing that the debt had been sold to a new collection company so that they could at least provide me with the deatils of this account that I still am not sure it is mine. I know XXXX XXXX has been involved in law suits with consumers recently and came to court unprepared to show proof of ownership and have had many complaints filed against them regarding their unscrupulos and fradulent debt collection practices.
Product: Debt collection

I am writing to dispute the collection account associated with my name and reported on my credit report by your agency. I recently received the documentation you provided, including what you claim to be a contract between your agency and the original creditor. However, after careful review, I find that the provided contract does not validate the legitimacy of your claim to collect the alleged debt on behalf of the creditor.
Product: Credit card

Purchased appliances from Home Depot purchasing appox {$5300.00} on XX/XX/2014. I qualified for a Home Depot credit card, which I used to purchase the appliances. Appliances were bought on a 24 month promotion, interest deferred@26.99 rate. Appliances were held at Home Depot warehouse until I was ready to start my kitchen project and I was unable to go forward with my kitchen project so asked them to return the appliances except for the dishwasher, to just deliver the dishwasher. Home Depot said they would apply it to my home depot credit card and it showed up on my home depot credit card statement as a payment of approx {$4700.00}, even though I never made a payment, but actually goods amounting to {$4700.00} were kept my Home Depot and not delivered. In my mind the promotional amount is now for just {$530.00}, the price of the dishwasher that was delivered to me. I also made XXXX separate purchases later on for approx {$230.00} and {$530.00} on my Home Depot credit card over the 24 month promotion period. Any payments I made were applied to the later purchases first and so the XXXX bal never got paid in time and they based the interest accrued on the original promotional amount of {$5300.00}, so I got stuck with a deferred interest charge of {$1100.00} for the purchase of a {$530.00} dishwasher. I contacted Home Depot credit services ( which I believe is actually Citibank ) and they said that it was reported incorrectly, that they can only go by the info they are given. When I spoke to a manager at the Home Depot store, I was told that I should have cancelled the whole order including the dishwasher and purchased a dishwasher on a new order from scratch. Of course I can not foresee how this is going to play out and believed that Home Depot is operating in my best interest. I opted not to have paper statements and when I went online I am seeing minimum payment due, a small balance, almost {$5000.00} available credit, so am in no way contemplating that I have all this interest accruing on what I consider an unrealistic, fictitious promotional amount of {$5300.00}, you do n't see if you are going online to make a payment. To apply the returned goods and show it as a payment of {$4700.00} is actually fraudulent because that did n't happen, I did n't make a payment, so they can not have their cake and eat it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my credit report. Per FCRA, reporting must be 100 % accurate or the information must be corrected. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections from my personal file. Hence, I am asking for your help to correct the account : XXXX XXXX XXXXXXXX Balance : {$0.00}.