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

I am writing to file a formal complaint against Discover Bank concerning their handling of fraudulent charges on my debit card. My account was charged {$170.00} for gasoline on XX/XX/XXXX, an amount that is not only incorrect but also implausible given the circumstances I will detail below. Despite my efforts to resolve this issue with Discover, their investigation was inadequate, and I believe they did not perform a thorough review, including failing to contact the merchant involved. 

On XX/XX/XXXX, I spoke with a night supervisor named XXXX XXXX in the XXXX call center. She informed me that Discover had completed their investigation on XX/XX/XXXX and decided against my favor. However, she could not confirm whether the investigator had contacted the merchant. She also mentioned that the debit card had a chip and was in my possession at the time of the fraudulent activity. This detail is irrelevant to the dispute 's substance, yet Discover used it as a basis to deny my claim. 

To provide context, my car was being repaired at the XXXX XXXX XXXX, and I was using a XXXX XXXX from XXXX an XXXX XXXX. Needing to fill up the gas before returning it, I went to a XXXX gas station in XXXX where the following occurred : 1-I initially entered my debit card and PIN at a pump but later realized it was a diesel pump, which my rental car can not use. 
2-Moving to another pump, I entered my debit card and PIN again and pumped {$8.00} worth of regular gas, but the fuel gauge did not move. 
3-Attempting a third transaction, my card was declined, and I was instructed to see the cashier. Inside, I requested {$15.00} worth of gas and entered my PIN once more. 

Later that day, I noticed a hold for a large amount on my card, which I assumed would be corrected. Instead, Discover processed a charge of {$170.00}. It is inconceivable that the XXXX XXXX, a vehicle with a moderate fuel tank, could take such a large amount of gas. I explained this to XXXX XXXX, but Discover still refused to issue a credit for the disputed amount. 

I believe that Discover 's investigation was flawed and did not include proper communication with the merchant. The resolution provided is unsatisfactory, and I seek your assistance to rectify this matter. I request that CFPB intervenes to ensure that Discover Bank conducts a thorough investigation, contacts the merchant, and credits my account for the disputed {$170.00}. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting or other personal consumer reports

XXXX {$0.00} XXXX  {$0.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which these accounts goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS FOR MIDLAND CREDIT MANAGEMENT. THIS COMPANY HAS BOUGHT AND STOLEN MY NONPUBLIC INFORMATION IN THE ATTEMPT TO COLLECT A DEBT THAT HAS BEEN DISPUTED AND REMOVED FROM MY CREDIT REPORT MONTHS AGO. I DONT HAVE AN ACCT # FOR THIS COMPANY BECAUSE I NEVER CONTRACTED WITH THEM OR GAVE CONSENT TO CONTACT ME ON THE MATTER WHICH IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. I ALSO KNOW THAT THIS IS DECEPTIVE CREDIT PRACTICE, DEFAMATION OF CHARACTER, EXTORTION, AGGRAVATED FRAUD AND THEFT. I HAVE FILED A FTC REPORT AND IM GIVING MIDLAND CREDIT MANAGEMENT 4 DAYS TO REMOVE ALL FRAUDULENT ACCOUNTS FORM MY CREDIT REPORT. THIS IS A NOTICE TO CEASE AND DESIST. MIDLAND CREDIT MANAGEMENT BUYING DEBT AND ATTEMPTING TO COLLECT ON IT IS A VIOLATION OF FDCPA AND IF NOT CORRECTED I WILL BE AGGRESSIVELY SEEKING JUSTICE AND FILING FEDERAL SUIT FOR EVERY VIOLATION APPLICABLE FOR VIOLATING MY CONSUMER AND PRIVATE RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX XXXX XXXX  and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these accounts.
Product: Mortgage

We applied for a 3.75 % fixed rate mortgage loan to refinance our current mortgage loan with TD Bank. We qualified with our income. The home appraisal showed we had 28 % equity in our home. The loan was for a {$550000.00} and the house appraised for {$XXXX}. The rate was locked until XXXX/XXXX/2015 but when we were going to close TD Bank changed the terms to increase the interest rate and lower the loan balance. This is a classic bait and switch scam to take our {$450.00} application fees and not honor the loan we applied and qualified for.
Product: Debt collection

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

XXXX XXXX XXXX XXXX  XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  XXXX customer service XXXX XXXX XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service. 

XXXX XXXX XXXX XXXX  XXXX - This account was NEVER late. 
The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX  XXXX - I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX  XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX - The late payments on XX/XX/2023 and XX/XX/2023 are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX
Product: Debt collection

First Credit Services XXXX  This company calls me multiple times a day and it's always a foreigner making the call which leads me to believe it's a scam even though the number is out of XXXX, TX.
Product: Credit card or prepaid card

On XX/XX/2022, booked a round-trip flight with XXXX ( Through Capital One rewards ) I used about XXXX miles or around {$950.00} for the flight. 

A week later, I needed the date changed on the flight. I only needed the date moved a few days. Both XXXX and Capital One gave some ridiculous reason as to the " class '' of flight not matching, and that the new flight would cost about {$3000.00} MORE. 

I explained that simply rebooking the flight would only cost me another {$950.00}, and this policy is not only non-sense but clearly fraudulent and specifically destroying any optionality on the side of the consumer. 

Neither XXXX nor Capital One cared, and because they pinned me down for an extra {$3000.00}, I had no choice but to leave it inactive, thereby NOT being able to do anything with the original flight, and losing my original cost. 

Not only is it price-gouging, but it's unethical, immoral, and likely illegal that companies can operate under these shadowy rules they create themselves to gimp money out of unsuspecting consumers. 

I have a XXXX XXXX XXXX  complaint as well, which Capital One refused for reasons they say were " explained '' to me. It's disgusting that I have to go this far to get money which is my own back into my hands. 

Absolutely disgusting. Will not stop until every single enforcement agency knows and does something about these nasty companies.
Product: Mortgage

We sold a home in GA and the lender was located in TX. The closing was set for XXXX XXXX, XXXX and the closing attorney in GA contacted the Mortgage company in TX to get the final payoff and to get instructions for payoff check. The company received the payoff check on XXXX XXXX and then proceeded to report a XXXX late payment for XXXX XXXX. Prior to this, there had not been any late payments on the account for over 16 months. 

This single practice has caused my XXXX XXXX to drop below the required minimum to secure another loan to purchase a home. It has caused a grave hardship to myself and my family. This practice is not fair and is being done to punish me for paying off the loan earlier than expected, thus allowing the company not to collect the full investment on interest from the loan.
Product: Debt collection

Unsure of where this collections originated from. Never received any form of commutation from this company. The only reason I know of it is because it is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 I contacted XXXX XXXX about their reporting on an auto loan that was included in my bankruptcy. They told me that they had reported it to Experian and XXXX as Chapter XXXX  bankruptcy. Experian 's response to the creditor was because of a lawsuit that the discharge paper work that was sent to them ( creditor ) from the court was not sufficient enough and that I would have to personally provide them with the the schedule of the items I included in the bankruptcy to them ( Experian ). When did this new practice come into play that the discharge paperwork that was sent to to creditor from the courts was n't sufficient enough? When did the policy change when a credit submits information to the bureaus to update account information they choose not to? I have contacted Experian personally and they told me I would have to either provide a copy of all my paperwork I filed to the courts almost 3 years ago for their review. I ', m not going to submit my personal information to them especially with the situation that just happend at Equifax. XXXX has reponded that the creditor has verified they are reporting correctly which is untrue. Experian and XXXX are giving me a hard time as well as the creditor. I stated to both bureaus if they are not able to report correctly they need to remove from my report which they have not done. They are in violation of my consumer right and I need the CFPB to step in and help.
Product: Credit card or prepaid card

Between XXXX I purchased multiple concert tickets. This included a charge of {$820.00} to my Discover credit card ending in XXXX paid to Merchant : XXXX XXXX XXXX XXXX XXXX XXXX. However, I never received the tickets. I contacted Discover customer service dept. approximately four weeks ago, and I was told by the person I spoke to, that I would get my account credited for that amount. However, I received correspondence from Discover dated XX/XX/22 informing me that reversed their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

*Attached is debt validation letter that I sent to the company and my XXXX I do not have a contract or any obligation to pay this company nor know how they got my personal information. This account is fraudulent and they stole my personal information which is identity theft. 

PRO COLLECT ACCOUNT # XXXX *PLEASE SEE ATTACHED DOCUMENTATION
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX, XXXX  I contacted the following credit Bureaus XXXX, TRANSUNION, AND XXXX, I filed several disputes, it has been over 30 days and I have received no answers to my disputes, pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES, once a consumer has filed a dispute the credit bureaus have 30 days to respond, they have not done so this is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Bank of America all funds owed in a lump sum single payment. I owe no funds to this creditor. I am still being pulled as unpaid and denied accounts because of Bank of America even after receiving documents verifying From BOFA I am marked as paid. This is one of many issues I have with this report. They have reported a account that was under my name to XXXX and XXXX XXXX  both for fraud. I have not committed any fraud, this information is not accurate the account was closed due to over draft which was paid back when I could afford to do so. I was told by BOFA I would be removed out XXXX once paid but i gave neither permission to share or send my information any where at any point. After they received funds I was told they did not have to remove me it was by choice and they had the right to report me. XXXXXXXX XXXX stated only Bank Of America could remove me when i reached out to XXXX XXXX to verify it was marked as paid and stated it was showing unpaid by other banks. I should have obtained agreement for removal in writing but I believed BOFA had good ethics at one point. My rights as a consumer have been violated. this creditor 's risk department closed the account and sent MY information to a furnisher with out my knowledge and when i called I was mislead and provided false information by individuals who work for BANK OF AMERICA -in my opinion to get a payment out of me. Employees are the responsibility of the business and liabilities which is why proper training is required when working with clients personal information as my livelihood has been damaged by BOFA misinformation to me, lack of training their employees and it shows in what is being reported about me. XXXX is a consumer report. I am a consumer I should not be marked as fraud account if they are trying to be " strict '' they need to change the status to something that fits the situation such as account abuse which is a option with XXXX XXXX. if it can not be done then 15 usc 1681e ( b ) needs to be enforced as the reported information is not accurate for my case. Previous documents show it was closed by risk due to over draft but over draft is account abuse not fraud if it was marked as fraud and funds were obtained it should be changed to abuse as clearly it was not fraud. It is not fair to punish me for something I took care of. It reflects as if i commit fraud and that is not accurate. If my XXXX  and XXXX XXXX status as fraud can not be changed it needs to be removed. As 15 usc 1681e ( b ) and per 15 usc 161a ( 2 ) 9 ( B ) but i am trying to be fair even if BOFA has not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 

Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 

As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 

Furthermore, I request that you investigate the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 

I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

credit discrimination. submitted secured credit application to initiate a consumer credit transaction on XX/XX/XXXX as natural person applicant, 5 USC 551 ( 11 ) Social Security Administration cardholder, beneficiary, 15 USC 1692a ( 3 ) ( 4 ) consumer and creditor. US Bank discriminated my right to extend credit creating a debt, to incur debt and defer payment per 12 CFR 226.2 ( 12 ) ( 14 ) in violation of prohibited basis good faith reliance of Truth in Lending secured right despite request for reconsideration of my unrestricted right of incur debt. US Bank alleges that reason for denial is due to unverified ( unsworn ) claim of serious delinquency too few accounts currently paid as agreed. This is deceptive and unfair practice to discriminate inherent secured right of credit on unverifiable hearsay information. US Bank has used communication means the conveying of information regarding a debt ... indirectly to any person through any medium to state that such consumer owes any debt in violation of FDCPA 15 USC 1692a2 and 15 USC 1692b2. 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is " obtained '' through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific " factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency '' when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX is not neighbors, friends, or associates of the consumer. US Bank discriminated my right to a consumer credit account illegally per 15 USC 1 for 15 USC 1692a3 alleged ( unverified/unsworn ) obligations. US Bank has induced a disability in depriving right to credit despite collateral secured credit application obtained from consumer. see exhibits and bill of particulars for violations of US Bank to assume the role of debt collector. 15 USC 1681 ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers.15 U.S. Code 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I have a right to credit per 15 USC 1602 open end credit plan. US Bank has unlawfully converted this right to credit under color of custom 42 USC 1983 into a privilege subject to a 3rd parties unverified information and credit score.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting an account as well as the address in my personal information. That account was supposed to stop reporting for all three credit bureaus Per NATIONAL CREDIT SYSTEM. I've taken a substantial hit on my credit from this account constantly being reported as a verified item when this account wasn't mine. Now even after it's revealed that it doesn't belong to me it's still reporting and harming my credit. I've attached the previous CFPB claim that I submitted for this account. Attached I've included the XXXX credit reports. ( XX/XX/XXXX to show the fraud account and address reporting with my score of XXXX, XXXX showing my score of XXXX without the fraud account but with the fraud address, XX/XX/XXXX showing my score of XXXX with a reinserted fraud account reporting on my credit report without the name of NATIONAL CREDIT SYSTEM showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions