23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received statement in the mail about collection, I called asking for validation and was dealing with a very rude collection agent who then got her supervisor XXXX on the line! I asked XXXX for wet signature of the contract for which they are collection on, I asked for a company letterhead to include employee and managers name, the amount this collection company paid for this account and a copy of the companies XXXX and ein number. XXXX stated she would have to contact the original creditor for thisinformation so I wonder how are they reporting this debt without any information but the amount! XXXX aso stated she did not have to provide me with any XXXX or ein unless a 3rd party was making a payment, which I do n't understand! because they requesting payment from me and want all my information to makeup this debt! yet I do n't know who these people are! bottom line I is not my debt and they have not given me anything proving its mine yet they report it to XXXX XXXX XXXX! this is very illegal ... stop reporting or send me all documents I asked u for!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Error Description : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

Furthermore, under 15 U.S.C. 6802, financial institutions have a duty to protect consumer privacy, ensuring that personal information is not disclosed without proper authorization. Under 15 U.S.C. 1681s-2, furnishers of credit information are responsible for reporting accurate data and correcting errors upon notification. Lastly, under 18 U.S.C. 1028A, any willful misrepresentation or identity theft in connection with these inaccuracies may be subject to severe legal consequences.

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim.

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law.

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 



Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint and received information back on XX/XX/XXXX that possibly a third party is involved, so the case was closed. I find that was extremely unfair that I must resubmit the complaint again. I am competent to submit this claim for myself and to explain what is going on with my account myself without the need of a third party. I do expect to get results this time since Im clarifying that I AM XXXX XXXX. I spoke with XXXX at CFPB, who told me to just submit a new complaint. 

Several accounts show that the dispute I submitted as updated, but nothing ever happens on the actual account. I dispute all of the accounts each time, but its not documented as such. These accounts arent being investigated or they would have been corrected or deleted by now. I never received a letter about the disputes, as Im sure youre aware, this itself is a violation of the FCRA. I got this information from the Experian app under alerts. XXXX Open : XX/XX/XXXX Balance updated : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Open : XX/XX/XXXX Status : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  Open date and status dates are the same : XX/XX/XXXX Balance updated : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Status : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  Open date and status dates are the same : XX/XX/XXXX Updated balance : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit card or prepaid card

We are writing to complain that the Goldman Sachs Apple Card refuses to issue a credit for returned merhandise in the amount of {$840.00} despite receiving these funds from the XXXX XXXX after we returned the merchandise. The details are as follows : On XX/XX/2021, we purchased a drone from the XXXX XXXX via the Goldman Sachs Apple Card and were charged {$840.00}. This was Order Number XXXX. The shipment was never delivered. 

On XX/XX/XXXX, the XXXX XXXX issued a refund. Subsequently, a neighbor called that she had received the delivery and we picked it up from her, noting that the delivery label had our name but her address ( which has the same street number but a different street several miles away ). We reported it to Apple and were re-charged the amount again on XX/XX/XXXX. 

On XX/XX/XXXX, we return the item unopened to the XXXX XXXX where they refused to accept the return. Instead, we were sent a shipping label and shipped it back on this date. 

On XX/XX/XXXX, the shipment was received by Apple and we were told we would receive a refund in 3-5 business days. That never appeared. Subsequently, we inquired and were told to wait 7 - 10 business days. Still, no refund. 

On XX/XX/XXXX, we disputed the charge with Goldman Sachs Apple Card and were told it would be resolved in 90 days, but the dispute was resolved in favor of the XXXX XXXX just an hour later. We contacted the Apple Store again, received a copy of the credit invoice generated on XX/XX/XXXX showing we were due the refund, and then contacted Goldman Sachs Apple Card who opened a new claim but could not provide an ID for this claim. They also told us there was no evidence we were due a refund and they could not review the credit invoice we provided because that would be " two way communication ''. ( Apparently, they do not take any information from customers during their dispute process before resolving in their own favor. ) So we attempted to provide the invoice via the XXXX chat but were told to contact a specialist and start over again. Having spent many days and hours on this process we declined to start over again. 

At present, there remains a charge of {$840.00} on the Goldman Sachs Apple Card account despite the credit that was issued to Goldman Sachs Apple Card by the Apple Store for this amount on XX/XX/XXXX. In essence, XXXX XXXX is keeping our refund amount rather than returning it to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act Convergent AccountS.. # XXXX XXXX  ( OPENED XX/XX/XXXX ) # XXXX XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX  ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX ( OPENED. XX/XX/XXXX ) HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions misleading inaccurant accounts holding me back in life i been consistent with my certified mail goin on a year for future court records please some one -.please respect my rights.
Product: Checking or savings account

I responded to an offer from Capital One to open a savings account in XXXX. The offer was for a {$150.00} bonus if you held {$20000.00} in the new account for 90 days, which I did ( XX/XX/XXXX- XX/XX/XXXX ). The bank is refusing to pay the bonus saying the 90 day period started after an initial 15-day funding period. I spoke with a customer service representative and his manager on Friday, XX/XX/XXXX without being offered a resolution to the issue. The advertisement I am attaching clearly states that the funds need to be on deposit for 90 days. I did just recently notice that the fine print below mentions the initial 15-day funding period but this is contradictory to what is displayed in the top part of the e-mail. I find this dishonest and deceptive. There also may be a large number of other customers in the same situation. Thank you for your attention to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a vendor charge with my credit card company First National Bank of Omaha ( FNOB ) in XX/XX/XXXX. The issue was resolved quickly before the next billing cycle, however FNOB erroneously posted a comment on my credit report, I contacted them they said they would remove the comment. They then claimed they did, I ordered my credit report from XXXX via the annual credit report process. The remark is still on my credit report, I called FNOB they said it shouldn't be and suggest I file a compliant with XXXX to get it investigated. XXXX  did not make the changes, because they did not receive documentation from FNOB regarding this issue. I'm done messing around with this, I'm filing CFPB complaints against both companies and on Monday, XX/XX/XXXX I'm going to start looking for leaders of both XXXX and FNOB on XXXX over this issue. I also obtained the email address of FNOB 's CEO who I'm going to reach out too about how this was handled. I want this inaccuracy corrected on my credit report from all 3 bureaus.
Product: Checking or savings account

Wells Fargo garnished my STIMULUS THATS IRS SAID WAS ILLEGAL TO garnish regardless of how late I received my stimulus! For a overdraft that was on my account by error of WELLS FARGO! No matter how many times you tell Wells Fargo that money was stolen out your account they will not care! Wells Fargo are thieves they need to be investigated!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17, Equifax had a huge IT security breech and hackers obtained the personal SSN and credit card numbers and histories of many people. I am one of them. Due to Equifax 's lackadaisical approach to IT and computer security, I now need to monitor my reports for any fraud, place a freeze on my credit, and need to monitor my tax filing closely. There was no way on my end to avoid the security breech, however Equifax had the money and resources to prevent it.
Product: Checking or savings account

On Sunday XX/XX/year> at XXXX I received a notice that an ATM withdrawal was made with my debit card for {$100.00}, however I was home at that time with my debit card in my possession. 

Upon the discovery I immediately locked my card, called Chase, and disputed the transaction. I was refunded and an investigation took place. 

On XX/XX/XXXX, I noticed another fraudulent transaction on my XXXX account and called Chase to stop it and follow up on my previous dispute. I was then informed the previous XX/XX/XXXX dispute was denied because it was in my " geographical location '', a chip was used and there is no way to clone a chip, and no duplicate debit cards were sent out. 

Upon investigation there is in fact new technology to clone a chip and the same thing has been reported by other chase customers. Furthermore, I was physically at home with my debit card so I am proof that there banking is not secure. 

In the past, I have also had my card skimmed and a {$10000.00} cash advance on my credit card to a random person due to Chase 's lack of security measures. In return, I do not trust the protections they have in place for their customers. It is also common knowledge that Chase has many data breaches both internal and external so I request more information on that matter. 

I would like a further investigation into the issue by Chase including subpoenaing for ATM security footage, further protections into card skimming, chip & apple wallet cloning, and more information into how possible my card information & pin number were stolen and used at an ATM.
Product: Debt collection

In XX/XX/XXXX, I sent a certified leter to Choice Recovery requesting validation of a {$1500.00} medical debt. As of XX/XX/XXXX, the company neither responded or removed account from my credit report.
Product: Credit card

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account i am asking to verify as accurate : XXXX XXXX XXXX
Product: Vehicle loan or lease

I recently received a XXXX from Toyota. I am trying to figure out what this is in regards to. I spoke with my tax advisor and he said to call the number on the XXXX. I did this but the woman on the phone was not able to provide me too much information. She said this was for money I owed for a car I had owned. I was a little confused. I do not believe I had owed Toyota any money. I have had Toyotas in the past but i have had loans and paid them as agreed and paid them off. When I asked my tax advisor he said there would have to be some identifiable event that would have caused this XXXX to be issued. On the phone there is no explanation of the event but i was to the account was charged off XX/XX/XXXX But I havent dealt with Toyota in a few years since I paid off my XXXX. Could you please provide me with some additional information as I really dont understand this and it is causing me issues in filing my taxes with the IRS? I guess I need to understand what this is for, how much it is, ( the woman on the phone at Toyota had a different amount than what was on my XXXX ). Why am I receiving this now in XXXX? ( my tax advisor said there would be some required identifiable event, what event occurred? ) How have you come up with this balance? ( again the woman on the phone said I owed over {$7000.00} ). I have not received any notices about owing Toyota money. My credit report does not show me owing Toyota any money. This is quite confusing. The XXXX was mailed to an address I havent lived at in over 15 years. Can you please provide some additional information about this, it is currently causing me to have my tax returns on extension, delaying a large refund that I am entitled to. I am pretty upset to be honest as this does not seem to be a good way to conduct business, it is distressing that even on the XXXX paperwork I was given a phone number and the woman said she didnt have any information. Please respond in a timely manner as I need to file my taxes and figure this out.
Product: Checking or savings account

i mailed out my mortgage payment check early XXXX and saw it was cashed on XX/XX/2022 but didn't realize it was made to my lender until they called me and said i'm overdue. I checked the image of the check on my app and saw that whomever stole it altered the check to show the payee as XXXX XXXX and not my lender, XXXX XXXXXXXX XXXX and they erased the memo where i enter my account number. This is the same check i made every month and all my carbon copies show the same amount, same hand writing and all the same details everything. I filled a claim with my bank, XXXX on XX/XX/2022, where they opened up a claim with XXXX XXXX. XXXX XXXX has yet to respond to XXXX regarding my claim. Every month that i call i get a run around on what i can do and what i can't do in regards to the claim. I was told it would take 60-90 days now 120 days and if XXXX XXXX doesn't respond to the claim that then chase will have to close it out and i will never get my money back which is devastating. I need some resolution as i am an older lady, my body is giving out and i can't work as a nurse like i used to. I feel as though my bank that i've been with for over 10 years does not have my back and will just brush their hands clean like this nothing happened. Both chase and XXXX XXXX  are at fault with being able to cash an altered check. I am unable to get any credit from my bank and they do not understand this is my mortgage payment. I love my home that i work morning and night for and i am exhausted trying to get my money back.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Internal reference number XXXX XXXX. 

Contacted me via letter to inform me of a PayPal credit card debt. 
XXXX previously known as XXXX Opened on or around XX/XX/XXXX. 
Last Payment XX/XX/XXXX. 
Charged off XX/XX/XXXX, and been transferred to them from Synchrony Bank located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. 

I contacted them via telephone to inquire about a collection account on my credit report for this PayPal credit card I had never requested or applied for. Upon speaking with the representative I learned the address used to apply for this credit card was one I had occupied in XXXX. I have lived in Florida since XX/XX/XXXX. 

The only help offered by them was to send me a Synchrony Bank Fraud Investigation Form. I filled it out and submitted it back to them. I also filed a police report for ID theft with my local police department and submitted the name of the detective and gave my permission for them to communicate with the detective about my credit. 

Their " investigation '' consisted of a form letter with the same information I received in their initial correspondence informing me of the debt owed. 

I then disputed the debt owed and requested copies of proof I owed the debt, a copy of the original contract I signed with Synchrony Bank. I also requested that they remove this invalidated debt from my credit report. 

They never responded to any of my letters but they did remove the item from my credit report. 

The complaint is now they have knowingly transferred ( sold ) or hired another credit collection company that has been disputed and removed from my credit report. 
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

I will submit copies of the letters sent to XXXX XXXX XXXX as well as the tracking numbers for all correspondence I had with them in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I, a consumer and natural person, was denied credit by XXXX Bank when I applied for Application Number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX Bank due to the response I received. XXXX Bank is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX Bank according to law.
Product: Credit card or prepaid card

The company is Synchrony Bank, and the card is the Amazon Store Card. The statement closing date was XX/XX/XXXX, which included a new balance of {$4100.00}. The balance included one non-promotional balance of {$79.00} and the remainder of the balance being promotional balances with {$300.00} expiring on XX/XX/XXXX, {$900.00} expiring on XX/XX/XXXX and all other parts of the balance expiring between XX/XX/XXXX to XX/XX/XXXX. I called the customer service number upon receiving the statement that closed on XX/XX/XXXX, and asked if the next payment could be allocated first to the non-promotional balance and the to the normal allocation, which is to the first expiring balance down the line to latest expiring balance. I was told I would need to call the customer service number [ ( XXXX ) XXXX ] on the day the payment was to post in order to set up the allocation. I called on the XXXX of XXXX, XXXX, the day my payment of {$600.00} was to post, and asked the representative to allocate as described above. The representative told me he could not perform the allocation since the payment had not posted yet. I went to the contact by " chat '', and arranged for the allocation. 
The next statement I received was for closing date XX/XX/XXXX. This statement showed no part of the {$600.00} on XX/XX/XXXX allocated to the promotional balance on XX/XX/XXXX, and a {$65.00} interest charge had been levied against the balance expired on XX/XX/XXXX. I called the customer service number and explained the steps outlined above, and the representative told me that while he understood, the only way I could avert the interest charges was to pay {$300.00} at that instant we were talking. 
I have arranged for the entire balance to be paid as of XX/XX/XXXX, but I refused to pay another {$300.00} on top of the {$600.00} that I paid on the XXXX of XXXX. Synchrony Bank or Amazon owes me {$65.00} that I was wrongfully charged in interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
Product: Mortgage

STATUTE OF LIMITATIONS The last payment we made to Wells Fargo was on XXXX/XXXX/XXXX. Payments/adjustments made to the account after this date were made by Wells Fargo. Hawaii has a six-year statute of limitations. It will expire on XXXX/XXXX/XXXX. This will bring to an end any possible and all legal/ foreclosure proceedings. 
Please confirm that the mortgage/ loan # XXXX has been withdrawn.
Product: Credit card

I believe the account is invalid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX