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

I want to report them for their incredibly poor customer service and the number of months I've tried to resolve fraudulent charges. 
Fraudulent charges appeared on this card in early XXXX. I have never used the card so every purchase ever made was fraudulent. I disputed all charges which were credited back to my account over a few months. A new card was reissued in XX/XX/XXXX and new fraudulent charges appeared. They allowed a XXXX subscription to renew on the new card. 
Again, called to dispute the new charges and requested they close the account. I was told they could not close the account until the charges were settled. And, that it may take up to 60 days to investigate. 
In the meantime, late fees and interest charges occurred each month and they were threatening to report to a collection agency. 
I have spent hours and hours each month to get these resolved. As of today, they still reported disputes under investigation since XX/XX/XXXX. 
After 1+ hours today and speaking with three representatives who I could barely understand, I'm told they will have reversed all charges but I won't be able to see that for 3-5 days.

I have to assume their systems are live and that these reversals should be visible online immediately. 
Something needs to be done. This has to fall under some kind of law which protects XXXX  ( XXXX XXXX XXXX  ). I was very close to just paying the balance to make it go away. Instead, I spend hours each month getting passed around. I was told today that I couldn't speak with a manager because they couldn't help me. 
The last agent ( work ID XXXX ) assured me the account would be credited to a zero balance and it would be closed.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$35000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

The credit card company sent me an annual fee for my card. I paid it and now they are showing i'm 30 days late paying the fee.
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

In 2020 I used PayPal small business to process my transactions for my business. In XXXX I found that there were unauthorized transactions being made. I talked to PayPal small business and they assured me the transaction that was being repeated would stop and I had nothing to worry about. they continued to let the transactions to go through to the sum of approx XXXX and after a employee stole and used the card for approx XXXX more we. Disputed and lost PayPal closed out my account and has since suffered data breach which of course affected my account docs so I can not verify income for my business and PayPal charged me another fee which went to my credit report for the account in question
Product: Credit card or prepaid card

I had contacted the XXXX credit card ( XXXX XXXX ) about 2 items over the last 3-4 weeks. First, I was promised that the interest charge of {$18.00} from XX/XX/XXXX would br credited back to me, by reps of their company and now they are saying they won't do it. Next, I had a payment set up to process on XX/XX/XXXX, my due date and it did not go through on their end, then I was charged a late fee for this and I asked for this to be reversed. They responded that " Thank you for your recent inquiry regarding your XXXX and XXXX credit card, and the opportunity to be of service to you. We have completed your inquiry and have provided you with the resolution. We are not able to wave the late fee or Interest. We have no choice but to consider this issue resolved '' which is patently FALSE and they know it! I had just asked the question and they responded as if they had not even read the email, they just denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report through various means- XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc., and all of them show two inquiries from companies that I don't recall applying for credit with- XXXX XXXX in XX/XX/2021 and XXXX in XX/XX/2021. I contacted XXXX when I discovered the inquiry, because my credit score had not been high enough for me to even remotely consider trying to get a credit card through them. They were supposed to investigate and have the inquiry removed, but it still shows up on XXXX XXXX XXXX " copy '' of my TransUnion report. I haven't contacted XXXX XXXX about this issue. 
Another problem with XXXX XXXX is that I have contacted XXXX and XXXX regarding an address out in California that I have NEVER lived at or operated a business at ( I googled it and found out it's in an industrial location ), but XXXX XXXX still shows the outdated information. XXXX and XXXX have also claimed to have removed this inaccurate address, but it's still there on XXXX and XXXX XXXXXXXX XXXX copies of my credit reports. How can I get these incorrect information removed, permanently? 
I also noticed that further than 2 weeks back, they do not show the personal information section on the credit report! So, all names and addresses " reported '', that appear on any other credit report site, from all dates, are not appearing on XXXX XXXX.
Product: Debt collection

XX/XX/year> - XXXXXXXX XXXX This is the first phone call I have picked up from this debt collection company who has called me every morning around XXXX for the past couple of days. I spoke with an agent over the phone, name was not saved, who mentioned I had an outstanding balance with XXXX XXXX XXXX XXXX for around {$100.00}. When I spoke with Spectrum last, an agent waived the final due balance and said I would not owed anything else and that I was good to close my account ( conversation happened about XXXX months back ). 

I told the agent that information and said that since I do not know how my account got there, I would be filing a dispute against that debt. Two things were mentioned by this representative : " I'm trying to help you before we report this to your credit '' and " If you do not have any proof that the XXXX representative stated that, you will not be able to open a dispute. ''
Product: Debt collection

I an reciecing calls from " XXXX XXXX '' on my cell phone. They are leaving messages for my deceased nephew. He lived in XXXX and I am in XXXX. When I call and advise that he committed suicide two years ago, then demand to know who they are and their company address, they say their information in protected by privacy laws then hang up on me. 

Because of this, I can not get further information.
Product: Credit reporting 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 XXXXXXXX and list of Inquiries. 

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: Mortgage

I am having major problems with the mortgage company SPS. they have stolen my XX/XX/XXXX Mortgage payment. I have proof that SPS Mortgage company cashed my payment on XX/XX/XXXX and they are refusing to credit my and are charging me interest on that missed payment. 
2. they have disclosed personal information and have invaded my privacy by discussing my mortgage with my insurance company, when I specifically told them in writing only discuss the insurance payment release only, I have proof of that I received a voice message from my insurance agent that SPS said I have filed bankrupty and that why the delay and that was none of there business to discussed my personal information. My house caught a fire XX/XX/XXXX and they are holding the balance of my funds that they received from my insurance company to fix my house. SPS is creating hardship for my husband and myself who are disable, we need are money now to continue fixing our house they are holding it so they can collect interest on it as long as they can. they took two month to release the first draw, when all obligations had been met. I have made numerous calls and they refuse to let me speak to anybody other then who answers the phone. Please help me resolve this matters
Product: Payday loan

Somebody calling me they said took a payday loan out and they went and my account Last year of XXXX and they could not get the funds they said they taking me to court if these the same people who calling me I pay them already and they saying they never receive anything and I been trick to many time already what should I do they keep calling me they said the name representing is castle payment but they never said the name of they company then every time they call they always put a recorder on
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I sent a debt validation request to Portfolio Recovery on XX/XX/2022. Portfolio Recovery responded but did not provide sufficient information to adequately validate the debt in question. This is a violation of my rights under the FDCPA. This account needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account is in charge off status, Amount has been updated and higher monthly, balances are wrong, Date of last activity is also wrong. No method of verification was given. Yesterday I notice that it posted a {$120.00} increase on this closed account. This is damaging to my report.
Product: Debt collection

For account XXXX for {$2200.00} from XXXX XXXX. XXXX shows account was obtained illegally and still refusing to provide XXXX XXXX XXXX and/or Full Purchase Agreement. 
On my most recent review, it was brought to my attention the name for the owner of the account do not match my legal name. Please stop all collection and delete trademark. Litigation in process. Attached the piece of document showing the name and my blurred Driver Licensed showing name.
Product: Debt collection

The amount that the company says that I owe is incorrect. The amount owed is {$4200.00}. I requested that Santandar come to get the vehicle as I was not able to continue paying for it. This company have fraudulently represented themselves and refused to send over the agreed-upon original contract for me to review, in fear of a legal proceeding. Additionally, the company charged the vehicle off, therefore, I can not be behind in any car payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating " They do not report any bankruptcies to anybody. ''So if that is the case, how did the credit bureas edify my bankruptcy as XXXX XXXX accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States THE term " investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's charcter, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under USC 1681. According to USC 1681 section 602 A States I have the right to privacy. On or about XX/XX/2022 regarding report number XXXX the correspondance state that XXXX conducted a reinvestigation but failed to provide me the result of this alledged investigation when XXXX XXXX staes in thers correspondance that they are able to verify the information on the bankruptcy in attemted to get consent when I have the right to privacy under USC 1681 section 102a states I have the right to privacy in both XXXX and XXXX XXXX both continue to violat 15 USC 1681 section ( 3 ) ( e ) I am requesting that the cfpb hold them accountable for the violations that are continuing as of this date XXXX.
Product: Credit card

I filed for chapter XXXX bankruptcy and had all of my debts discharged at the hearing. Capital one creditor did not discharge my debt, they are saying I still have a revolving account open with them for the full balance.
Product: Debt collection

The account was disputed, documented and removed. I continue to receive calls from XXXX even after requesting writing not to be contacted by phone.
Product: Debt collection

am filing a formal complaint against XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) due to their inaccurate and misleading reporting of my credit account ( # XXXX ). Their false reporting practices are damaging my creditworthiness and financial stability.

Violations and Legal References 1. Knowingly Reporting False Information ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ) This account contains contradictory last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which is false and misleading information in violation of FCRA accuracy standards. 
The account incorrectly reports an unpaid balance of {$160.00} despite being charged off. A charge-off should not reflect an ongoing balance unless payments were made, which this account does not show accurately. 
The FCRA strictly prohibits creditors from furnishing inaccurate or knowingly false information. 
2. Inconsistent Late Payment Reporting ( FCRA Violation 15 U.S.C. 1681e ( b ) ) The reported XXXX late payments are inaccurate and contradict the payment history section, which states 43 % of payments were on time. This inconsistency violates FCRAs requirement for maximum possible accuracy. 
The payment history contains conflicting records, damaging my credit profile with inaccurate data. 
3. False Representation of Debt & Account Status ( FDCPA Violation 15 U.S.C. 1692e ( 8 ) ) The remarks section falsely states : Unpaid Balance Reported as a Loss by Credit Grantor while still listing an outstanding balance ( {$160.00} ) which is misleading and unlawful under credit reporting laws.

FDCPA 1692e ( 8 ) prohibits debt collectors from misrepresenting the status of a debt or furnishing false credit information. 
4. Failure to Correct Errors After Dispute ( FCRA Violation 15 U.S.C. 1681i ( a ) ) I previously disputed this account, yet XXXX failed to conduct a proper investigation and continues to report false and misleading information.

Under 15 U.S.C. 1681i ( a ), credit furnishers must investigate disputes within 30 days and correct inaccuracies immediately.

5. Debt Collection Law Violations Attempting to Collect an Invalid Debt ( FDCPA Violation 15 U.S.C. 1692f ( 1 ) ) XXXX is engaging in unfair and deceptive practices by reporting an outstanding balance ( {$160.00} ) on a charged-off account, contradicting FCRA reporting standards. 
FDCPA 1692f ( 1 ) prohibits any attempt to collect a debt that is not legally owed or accurately reported.

Requested Resolution : I demand immediate deletion of this account from my credit report due to multiple violations of federal law listed above. Any delay, stall tactics, or refusal to correct these errors will be considered willful noncompliance.

Furthermore, under 15 U.S.C. 1681n and 1681o, I am entitled to statutory damages of up to {$1000.00} per violation, along with actual damages and attorneys fees. This is my final warning before I escalate this matter to legal proceedings. 

Please resolve this complaint immediately.
Product: Student loan

Good Morning, On XX/XX/XXXX I filed to have my loan payment recalculated down from $ XXXX/month.  My documents sat there in the uploads with one part missing and no one told me. It was part of the application that is done through the federal student aid website. When I checked in on XX/XX/XXXX, I was told it was missing, so I added it. I was notified on XX/XX/XXXX that the loan recalculated, but it went up to $ XXXX/month, when it should have went down, as my family size changed and my alimony payments have been cut in half. I called immediately to ask that it be looked at again and am presently waiting on that. 

I do n't believe they are looking closely at the documents I have sent. I sent my paycheck, and my divorce documents. There is information that needs to be teased out when looking at these, like the dates of my alimony payments, which were to be $ XXXX/month starting last XX/XX/XXXX, and then go to $ XXXX/month nine months later. So as it stands, my alimony payments will be {$500.00} each month for the next 5 months, and then they will stop. This will add {$2500.00} to whatever they use as my base salary. I make {$32000.00} annually at my job, and I have started to work some overtime. This means that My base income will be {$34000.00} base pay until I re-certify a year from now. 

Travel reimbursement somehow gets lumped in to my gross on my check, so that needs to be scrutinized by someone who knows how to read a paycheck. I do n't know if they take into consideration what I would make after standard deductions on a tax form, as I am not using a tax form to recalculate, and they would n't tell me the numbers or formula they use to recalculate. If they tease out travel, and add a standard deduction of {$6300.00}, and 150 % poverty for a family of XXXX {$24000.00} ( which is the number I suspect they use to calculate though they will not confirm ), my discretionary income comes down to {$4100.00}. % 15 of  {$4100.00} divided by 12 brings me closer to $ XXXX/month. 

I need them to recalculate this correctly and be a little more transparent about how they calculate. I need to know they are using the correct numbers and looking at the documents I send. If they are not using the numbers I have used in the previous paragraph, I need to understand why. 

Thanks, XXXX XXXX
Product: Mortgage

My home was reposessed on XXXX/XXXX/2013, by M & T bank out of XXXX NY.XXXX after years of stalling. by M & T Bank non help on refinancing my loan, they kept asking for the some old paperwork over and over till they foreclosed.can you look into this Company for lapse in judgement, to help struggling home owner
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account incorrectly the account in question is DEPT OF ED Account Number XXXX XXXXXXXX the account has several late payments. The payment is for the month between XXXX XXXX. This is not correct and Equifax has provided no evidence that they conducted a reasonable investigation into this account. First one my financial information is not allowed to be shared without my consent because it is a violation of my consumer rights to privacy. Equifax is also required to send a disclosure 30 days prior to adding any negative information they have to send me an opt out notice. I have never received any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Product: Debt collection

They used a local attorney to sue me and they received a judgement for {$3300.00}. 
I started making payments in XXXX of XXXX, I made 2 {$50.00} payments ( XXXX and XX/XX/XXXX ). I received notice in XX/XX/XXXX they would be garnishing my wages. They ended up taking {$50.00} more than the judgement awarded. In addition it was PAID IN FULL on XX/XX/XXXX. I disputed with the credit bureaus in the first week of XXXX. They replied back with documents indicating I still owed {$420.00} which is blatantly false as it was not only PAID IN FULL on XX/XX/XXXX, but they had taken {$50.00} more than they were legally allowed.