23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX cell phones were ordered on my credit card by someone other than myself the phones were to be sent to XXXX, XXXX XXXX Phone XXXX He is connected to a group of people that scams the elderly out money .the number for this group is XXXXperson affiliated with this group is XXXX, another address XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, Another phone number XXXX, XXXX XXXX XXXX. i do not know these people personally but i was scammed out of XXXX dollars by them if you need more information please get in touch with me.
Product: Credit reporting or other personal consumer reports

I requested this information from the various companies with errors on my report. I then submitted a dispute on the Equifax account and they stated they were " verified ''. I then asked Equifax to provide the same information they used to verify it as the companies were unable to verify the accounts when I requested the information. They never responded to my request. I was fair and waited over 60 days to file this complaint to you.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered {$900.00} worth of products from Saks Fifth Avenue to be delivered to my home where I have been working for the past year. I have been saving this amount since XX/XX/XXXX so that I could splurge and treat my ravaged complexion [ I am XXXX XXXX XXXX ] to the products I ordered. I received an email from Saks that I would receive delivery of my order on Sunday, XX/XX/XXXX at which time I was working on my laptop at the window that looks down at the street and the entrance to my house. I rent an apartment in a brownstone there are two other apartments in the main part of the building. On XX/XX/XXXX, I believe that I was the only one in the main part of the house. I am not sure whether anyone was home in the garden apartment. I looked out the window every so often to see if the XXXX delivery person was approaching the house no. When I received an email that the package was delivered, I again looked out the window and saw no delivery truck or person. Nobody rang my bell. I ran downstairs and there was no package in sight and in looking up and down the street, no delivery person or truck in sight. I immediately called the customer service line at Saks and spoke to several people about my not having received delivery. I was told that they would investigate the matter and would contact me. 

I subsequently received a letter dated XX/XX/XXXX with the Saks Fifth Avenue logo at the top left-hand side of the page and signed by Capital One Card Services, Customer Service Department stating that they would investigate the matter and let me know the results. 

I then received a letter dated XX/XX/XXXX that had the Saks Fifth Avenue logo on the top right side of the stationery and Capital One printed on the bottom left side of the page. The letter said that they determined that the package had been delivered. They enclosed with their letter the travel history of the package, a notice that no signature was required and that they therefore determined that delivery was made and that I have to pay {$900.00} with nothing to show for it. 

I subsequently called the customer service line again and spoke to a Ms. XXXX who transferred me to a Mr. XXXX who transferred me to a Ms. XXXX who transferred me to a Ms. XXXX. Ms. XXXX said that I would receive a credit and gave me a case number. To date, I have heard nothing further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit a dispute online for an incorrect account reporting on my credit from XXXX XXXX. I keep getting error message when I try to submit disputes at each credit bureau
Product: Debt collection

I received a credit collection letter from XXXX for {$640.00} with creditor Wells Fargo account ending in XXXX. I contacted Wells Fargo regarding the amount due for the account ending in XXXX. The representative stated that the account ending in XXXX had a balance of {$450.00} and he not sure were the collection agency got the amount of {$640.00}. The account is being disputed as fraud with the original creditor Wells Fargo for fraudulent activity on account ending in XXXX for the amount of {$450.00} reference # XXXX DATE : XX/XX/2017 @ XXXX. The credit collection agency has sent a letter for a debt collection from a creditor for an amount that I do not owe. This debt is not valid for collections. The is a fraud account/identity theft. This credit collections agency is trying to collect on a made up amount.
Product: Payday loan, title loan, or personal loan

I have a PayPal Credit line of credit, which provides promotional financing for purchases of more than {$99.00}. My most recent billing cycle ended on XX/XX/XXXX and I have still not received a billing statement ( set up for electronic delivery ). My account indicates that I have a payment due on XX/XX/XXXX, but I have no way to verify that payment amount since I have not received a billing statement. I contacted PayPal and they admitted ( in multiple emails ) that there is an error with their electronic billing system and that they are working on a resolution, but have no timeline for when I might receive a billing statement. How is it legal for them to set a payment amount and due date ( and presumably charge interest and fees if the payment amount is not received by the due date ) when they are unable to provide a billing statement for documentation purposes? Do I not have the right to review my monthly statements to verify that all included transactions are appropriate?
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity on my consumer credit report
Product: Vehicle loan or lease

Turned in leased vehicle to XXXX XXXX XXXX XXXX, MA on XX/XX/XXXX. Upon returning home, cancelled vehicle registration and destroyed plates. After cancelling registration, advised XXXX and Honda Financial of cancelled registration. Both looked up XXXX XXXX to confirm. Received multiple correspondence from Honda advising of Final Statement of Debt, proof of Registration Cancellation. Upon receipt of Final Statement, payment was made. Also, when proof was submitted, a pro-rated bill for Property Tax for XX/XX/XXXX would be sent. Received Property Tax bill for whole year ( {$110.00} ), instead of a pro-rated bill. Sent letter with check for {$9.00} ( one-twelfth pf {$110.00} ) with " PAID IN FULL '' written on memo line. Received various calls from Honda 's collection department threatening if total payment was not received, they would ruin our credit. Both joint parties had reductions of credit scores from 800 's to low 600 's over XXXX and XXXX of XXXX. Please keep in mind that Honda filed for an abatement with the city of XXXX, MA. This means that they will not receive a financial loss, but the joint parties will and have received poor credit scores as a result of Honda statements to the big three credit companies. Letter was sent to you, but an incorrect address was on line. See attachments of letters and exhibits sent to XXXX, XXXX, XXXX, Honda, and yourselves.
Product: Money transfer, virtual currency, or money service

I am filing a complain against cashapp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has charged me more then XXXX dollars for a credit report I've never been able to see everytime I call the 800 number I get a automated message, and then they hang up my credit card company can't seem to block them and they keep forcing there payment through.
Product: Credit card

Since the FEDS INCREASED THE INTEREST RATES, I can no longer pay my credit cards! up until recently, all of my payments just doubled and high fees were added on causing a mess in my finances and ruining my credit! which I know a majority of people are in the same situation... I'm now reported to the credit bureaus for missed payments, non payments etc.. the fees added on are absurd ranging from XXXX - XXXX dollars on top of the min. payment that is due and the high interest rates... I have spoken to several of my credit card companies to work things out... XXXX is one of the cards- which did work out a program for me that makes it more manageable to pay for the next year, with a low payment and interest rate .. however, that will change in one year from now, as the rate will increase again .. Capital one/ Walmart has increased dramatically! Walmart- charges 30 percent interest when you use their card, which adds another XXXX - XXXX dollars to a purchase, for example gas of XXXX dollars- they add another XXXX bucks to that! all in interest rates... Capital One- just doubled my payments, which includes XXXX - XXXX dollars fees on top of it, especially if I go past their cutoff hour for payment due... In the past they have adjusted that, when I asked.. but they now say they can't do it anymore .. causing my min. payments due to triple! which they just reported it to the bureaus - ruining my good credit!.. XXXX XXXX- I have XXXX cards with them which I was paying down the balances and was manageable, until recently when the interest increased! and their late fees of XXXX bucks for each card! my payments doubled and now I cant pay them... XXXX XXXX did work out a better interest rate with me when I asked for one of the cards, due to having good standing with them - however, the min. due doubled.. I can't manage the payments now ... both cards.. I use these cards for necessities, not luxury... I maintained and built my credit up to a good score, after XXXX financial crash... I feel we are now going back to the era... I read that the President of the US is lowering fees to XXXX  dollars for late fees, when is that happening??? At this point, I can no longer manage these cards all due to the feds increasing the rates .. Bankruptcy is not an option.. I feel the feds should be held responsible for this and help the average consumer figure a way to fix this mess!
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was filed with XXXX and XXXX informing them they are furnishing inaccurate and incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge-off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. The charge-off accounts on my report are as follows : REPUBLIC FINANCE Account # XXXX
Product: Payday loan, title loan, or personal loan

World Finance in XXXX Oklahoma will not quit contacting my employer I've asked several times for them to not contact my job and there still continuing to do so
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I am requesting your assistance in investigating and correcting this information.

Accor

ding to 15 U.S.C. 1681 SECTION 602 A : STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 602 A 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 ADVERS
E ITEM OF INFORMATION, OTHER THAT CONVICTIONS OF OF CRIMES WHICH ANTEDATES THE REPORT MORE 2 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. 


Below is the personal information that needs to be reviewed and potentially removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am reporting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. Enclosed with the letter are copies of documents that verify my correct personal information, including government-issued identification. 

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information the creditor can not verify. I understand under U.S.C. Sec 1681i ( a ). You must complete this investigation within 30 days of receipt of this letter. Please send and updated copy my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Product: Mortgage

Freedom HO Insurance, Policy Number XXXX, Freedom Mortgage Loan number XXXX, Phone Number XXXX XXXX XXXX Received letter from Freedom Mortgage XX/XX/XXXX requesting proof of Home Owner 's Insurance. Emailed XXXX the current policy that covers XX/XX/XXXX to XX/XX/XXXX. Explained to them I will provide the XX/XX/XXXX to XX/XX/XXXX when the Insurance Agent forwards it to me. Over the course of XXXX months I have emailed and called several times. Nobody claims to have received my emails with the policy. I received a notice XX/XX/XXXX saying they are going to purchase insurance for {$2500.00}! I am uploading the email history, current Home Owner 's Insurance Policy, Insurance Agent letter, Freedom notices.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I froze my credit with Experian on the advice of legal counsel assigned to me through my company as a result of identity theft. I froze my credit with Experian online and was told I would receive a PIN via the mail. I never received a PIN via the mail. I attempted to unfreeze my credit on XX/XX/year> in order to open up a bank account for my own small business. I called the XXXX where an automated service agent fielded my call and did not allow me to speak to a human representative to unfreeze my credit. This was a repetitive cycle and did not offer resolution. I then called XXXX where a human answered the call and was unable to help me unlock my credit. I was then transferred back to the automated center without human support despite requesting a representative to the machine. I then submitted credentials via their online portal to identify myself to unlock my frozen account so that I could go in an manually unfreeze my credit. My credit has not been unfrozen and I can not access an alternative method to unlock my report with Experian.
Product: Checking or savings account

A false charge of {$680.00} appeared on my Ally Bank checking account on X/XX/17. The merchant was listed as XXXX XXXX XXXX CA US. I contacted Ally teh following day to open a dispute. They in turn contacted XXXX. XXXX stated that the transaction was authorized and refused to provide a reversal. XXXX listed the Merchant Number as XXXX. The Seller was XXXX XXXX, email address XXXX. They also provided shipment tracking information showing that the merchandise ( whatever it was ) was delivered to XXXX XXXX XXXX, XXXX, NY XXXX. ( I live in Colorado ). Ally refused to provide a refund.
Product: Credit reporting

I am filling this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
Product: Credit card

In XXXX, I purchased a TV from BestBuy and the experience from beginning to end has bene terrible. When I purchased the TV, the BB agent told me about their Citibank credit card which was XXXX % APR for a year, so I signed up. I checked my account today and noticed that BB has been charging me interest on purchases so I called and the person that I spoke with said that the XXXX % APR only applies to certain promotional purchases. 

This is extremely sneaky and deceptive. This is not what I was told and if they told the truth from the beginning, I would have never signed up. I want the {$96.00} interest they have taken from me.
Product: Mortgage

I apply for a refinance loan, and after the make me wait over 2 month, had me do An Appraisal that can higher than expected the changed the application process, they desided no to count my rental income ( reason unknown ) so my application was denied but they didnt even send me a letter or nothing. So after 2 weeks trying to get and answer they just said I have to re apply so they block me from getting a loan fron a deferent lender with the offer they did not honor, and help lower my score by summitting multiple applications
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company precise information regarding my disputes. This company has failed to research the information that I have provided them. This company has not did an accurate investigation. As a consumer I think that I was treated unfairly which has affected my credit score. Each dispute I have been very detailed in providing information to the investigation. This company has failed to research and investigate properly. I also requested a XXXX verification and this company has failed to provide me with the XXXX verification. This company is not even reading the disputes that I sent in. There has not been a thorough investigation therefore all of my actions have been in vain. I asked for the XXXX verification and they have failed to provide me that information. During the investigation they have not been verified any written information they only have did everything through email but nothing through the request of information that I have sent them. I have one company that I do n't have their own information from they refused to investigate that. The companies that I have a dispute on they have not provided me any verifications even though some of them are charged off I do n't know if they 're accurate or correct but they 're hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report. 

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy
Product: Credit reporting or other personal consumer reports

Recently, did an investigation on my credit report and found several items on there to be Under 15 U.S. Code 1681e ( b ) Accuracy ei report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be updated or repaired ASAP. Thank you. 
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