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

I live in XXXX, and went to a restaurant to purchase drinks. I paid for drinks using my debit card and it totaled about {$32.00}. I gave the waiter my card to charge but did not get a receipt. I didn't think anything about it because I have never had any fraud issues on my account. The next day I checked my account and noticed to large charges from the same place for {$350.00} and {$1100.00}. I Immediately called bank and they froze my account and sent out a new card. 
The bank sent me a letter on three separate occasions stating that the charges were not fraud, but I explained to them that I did not authorize the charge.

-For the first charge, the bank supposedly got a receipt from the restaurant stating that I was charged an entrance and drinks for a total of {$350.00}. I explained again that I did not make those charges. Their excuse was that I gave the merchant the card, then it must have been valid. I also asked for a copy of the receipt, but to date they have not sent it to me.

-I also asked about the 2nd charge of {$1100.00} and they stated that they did not have a receipt, but since i filed it as fraud and they determined it wasn't, they closed the case!

I think it is totally disrespectful how they treat a retired XXXX XXXX XXXX and a member of USAA for over 40 years. This vendor stole my money and my bank is blatantly accusing me of lying. PLEASE HELP OR ADVISE ME ON FOLLOW ON ACTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To date I have not received satisfaction from the complaint I filed about XXXX XXXX XXXX XXXXXXXX, Equifax, and XXXX. Although I have filed disputes with all prior to filing a complaint with the CFPB. I have also filed twice with the CFPB complaint about the situation. The problem is that my mortgage is not being reported by the credit bureaus. XXXX assured me they were reporting to the credit bureaus monthly. XXXX XXXX assures me they are reporting what the credit bureaus report to them. The credit bureaus don't even list my current mortgage! Equifax had it on their report but the amount owed was incorrect and they had not updated the information in over a year. The only result I got from all my disputes and complaints was that Equifax completely dropped my mortgage debt from their report. Even though it was the incorrect information at least it was showing on their report. When they dropped my mortgage from their report my credit score dropped! I have since written letters to all concerned and mailed them return receipt requested registered mail. I asked that the mortgage lender send written notification to the credit bureaus and send me a copy. My next complaint will have a copy of my most recent mortgage statement and hopefully the copy of the letter provided by my lender advising the credit bureaus of my mortgage debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mishandled personal information about me and 134 Million other Americans. Now, in order to protect ourselves, we 're forced to pay these credit score firms to freeze our credit. This should not cost any money to us, the victims. They make money off of our information and when they risk our financial safety, we have to do all the work and pay them. This is absurd!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card

I have multiple accounts through Synchrony and today ( XX/XX/23 ) I needed them to apply the payment I made yesterday sooner than usual since one of my pets was having an unexpected medical procedure ; I needed the payment applied to my Care Credit account. I contacted Synchrony through the chat feature and when I spoke to one rep they said the funds would be available. When I went to pick up my pet the funds were not available and Synchrony would not make them available even though the funds had been transferred from my bank to Synchrony already. With other Synchrony accounts ( Sam 's Club ) they apply the payment IMMEDIATELY so I'm not sure why Synchrony would not do the same in this instance especially after I asked if the funds would be available and was told yes they would be.
Product: Checking or savings account

I opened up checking and saving accounts with Citi bank a year ago with a {$400.00} USD account opening sign-up bonus. But I have never received such bonus in my account. I have submitted my XXXX and W-9 forms more than 4 times in the past year according to their instructions including where it should be sent to, what fields should be filled out, what supporting documents should be included etc. The last W-9 form I submitted was mailed out on XX/XX/2019 with USPS tracking, and it was received on XX/XX/2019. As I called the customer service on XX/XX/2019, they claimed that my tax status is still not certified and asked me to send a W-9 form once again. Now I am doubting that the Citi bank just mainly does not want to redeem the account opening bonuses as promised, and all the back and forth of the form submission and review are not transparent and are very suspicious.
Product: Credit reporting or other personal consumer reports

I received a loan on XX/XX/XXXX I had a payment due on XX/XX/XXXX I was less than 2 weeks late and they repoed my car. I called them to make the payment that was due and asked what I needed to do in order to get the car back they told me I would need to pay the whole loan balance off to get it back. I had just gave them {$390.00} down my payment was due less than 39 days later but was less than 2 weeks late. These are unfair and should be considered illegal practices. I had just got an oil change on the car 2 days before they repoed it also which was another {$75.00} dollars. They are currently reporting negatively on my credit that I am 30 days past due and that I owe them money. I received a letter from them and spoke with someone that said this would be removed. Right now it is hurting my character and my family. It has left me and my kids with no car. I recently had a name change due to a divorce so the name on my loan is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? Additionally, I contacted the bank and they agreed to remove the account from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I have already disputed this account several times and stated that I am an identity theft victim. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this accounr from my file like the other bureaus have done. 

XXXX XXXX
Product: Debt collection

I never lived at this address I never apply for service with this company I dont know who they are and I want this nightmare to end please
Product: Debt collection

I opened up my   XXXX   XXXX   and I saw a derogatory mark fro m ARC  opened  XXXX   XXXX   2017  for {$150.00} .I do n't have a clue where this came from.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent {$75.00} from my XXXX  account to another account that will not release the funds to the recipient. I contacted XXXX XX/XX/XXXX and was informed that if the recipient called XXXX and requested that the money be reverse transferred back into my account, the situation would be handled. However when the recipient called XXXX  they informed her that her account was frozen and the money was non-transferable at that point. The only option the recipient has is reimbursing XXXX from a previous charge that was mishandled. I believe XXXX is committing fraud. Her bank never froze her transactions, but XXXX   claims it did and has locked her out of her account with a {$160.00} fee for reinstatement since XX/XX/XXXX.
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 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 Has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy 15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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: Checking or savings account

There is three transactions I did not authorize. I was only able to complain about one. And not the other two. But even for the first one I barely got any information back on whats going to be done. 
On XX/XX/XXXX I was charged {$51.00} and {$20.00} from XXXX. And XXXX from XXXX. I did not authorize these charges.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credit Acceptance for inaccurately reporting a repossession on my XXXX, XXXX, and XXXX credit reports. The vehicle in question was never repossessed. I am still the full owner of the vehicle, which has been paid in full and the account closed. 

Account Details : - Creditor : Credit Acceptance Corp - Account Number : XXXX I hereby request that Credit Acceptance provide me with : 1. Copies of the legal notices pertaining to the alleged repossession.

2. Evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold.

Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved. 

I expect a prompt response to this matter, and I thank you for your attention to this concern. 

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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 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, credit repair services, or other personal consumer reports

U.S BANK FAILED TO REMOVE THIS ACCOUNT NO # XXXX AS PROMISED in several LETTER. PLEASE RE-DELETE XXXX XXXX XXXX ACCOUNT FROM her XXXX CREDIT REPORT TODAY. THANK YOU.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified or deleted : XXXXXXXX XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX, and a charge-off for {$5600.00} with a {$7100.00} past due balance. Please verify the payment history and charge-off status. XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX, and a charge-off of {$7600.00} with a {$7600.00} past due balance. Please verify the payment history and charge-off status. XXXX XXXX ( Account # XXXX ) Late payments reported in XXXX XXXX, and a Charge-off of {$8000.00} with a balance of {$8000.00} past due. Please verify the accuracy of this information. XXXX XXXX ( Account # XXXX ) Late payments reported in XXXXXXXX XXXX and a Charge off of {$3700.00}. Please confirm the accuracy of the collection status and details. XXXX XXXXXXXX ( Account # XXXX  ) Late payments reported in XXXXXXXX XXXX, and a Charge-off of {$3200.00} with a balance of {$3200.00} past due. Please verify the accuracy of this information. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Supporting Documentation
Product: Mortgage

I am writing to file a formal complaint against Shellpoint Mortgage Servicing regarding their failure to disburse the remaining balance of my insurance proceeds following hurricane damage to my home. 

On XX/XX/year>, Shellpoint Mortgage Servicing confirmed that all required repairs have been completed and all necessary paperwork has been submitted. Despite acknowledging that they are ready to issue the insurance funds, they have repeatedly stated that they are unable to do so because they can not locate my insurance proceed funds. Shellpoint Mortgage Servicing purchased my mortgage from XXXX XXXX XXXX, who previously serviced my loan. Despite my requests, Shellpoint Mortgage Servicing has not made any effort to contact XXXX XXXX XXXX to retrieve the balance of my insurance proceeds. 

I have contacted Shellpoint Mortgage Servicing multiple times via phone and email, but have received no satisfactory response. They have insisted that it is not their responsibility to retrieve the funds from XXXX XXXX XXXX, despite my explanations that I did not refinance and Shellpoint Mortgage Servicing assumed responsibility for my mortgage on XX/XX/year>. 

I have also contacted my insurance company, who confirmed that it is Shellpoint Mortgage Servicing 's responsibility to disburse the funds, as they purchased my mortgage with full knowledge of its terms and conditions. 

As a result of their inaction, I am facing undue financial strain and uncertainty regarding reimbursement for necessary repairs to my home following hurricane damage. I am entitled to these funds under the terms of my insurance policy and expect Shellpoint Mortgage Servicing to fulfill their obligations without further delay. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that Shellpoint Mortgage Servicing complies with all applicable consumer protection laws and regulations. I also request that Shellpoint Mortgage Servicing provide me with documentation showing their efforts to retrieve the balance of my insurance proceeds from XXXX XXXX XXXX. 

I can provide relevant documentation including correspondence with Shellpoint Mortgage Servicing and my insurance company, to support my complaint. I have a letter from Shellpoint dated XX/XX/year>. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/15 Balance : {$270000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 Experian has : 1 ) Reported 20 Hard Inquires on my credit that I never authorized.

2 ) I literally paid off my car with XXXX XXXX XXXX XXXX XXXX was never later, but Experian is still reports it owing and late.

3 ) I NEVER had any account for XXXX XXXX but Experian reports me owing them.

4 ) XXXX XXXX XXXX sent me and CFPB an acknowledgment of error in reporting that I owe them anything. They admitted that I dont owe them. Experian consistently & fraudulently puts them on and off of my report as a charge off.
Product: Mortgage

I have been getting a modification done on my mortgage with this company for over a year. It was finally resolved last month but they reported the account being late when it was not. It just took them forever to get the paperwork complete. Nothing was late and my credit score/report should not have been impacted. They already fixed this issue once, but now it is running into the same issue. I have been dealing with this place and it has been terrible. I will be putting in a complaint with my XXXX XXXX  office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/19 - I went to annualcreditreport.com to obtain my credit reports from all 3 credit bureau 's. I was able to see my XXXX report, but not XXXX or TransUnion
Product: Credit reporting or other personal consumer reports

Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX TD Bank, I never authorized a hard credit inquiry nor an application for a TD Bank Business Credit Card nor opening new cards.

Please cancel these cards and remove from all credit bureaus.

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.
Product: Credit card or prepaid card

Bloomingdales offered an interest free 12 month special event account, in addition to the normal revolving ( or regular account ) that I initially opened. I made a special event purchase in XXXX of this year, with the intent of paying it down over the course of the next 10 months. It is my practice to pay my entire balance every month on the regular account to avoid interest charges. I have had to call the customer service line to correctly allocate my payments every month since XXXX. It has never been done correctly. Each time they try to correct their error it got worse. 
I stopped shopping at Bloomingdale 's in XXXX, so that I have only the special event account ( interest free ) with a remaining balance, and yet every single month I get a statement showing an open balance on my regular account, and an interest charge. 
I have spoken to numerous credit manager at Bloomingdales. Each has been embarrassed by the mismanagement of my account. Each time, the interest is reversed.

I want to report Bloomingdale 's for their fraudulent practice of charging interest on a special account set up to be interest free.
Product: Mortgage

XX/XX/2019 Wells Fargo sent me a letter saying my mortgage was being transferred to XXXX XXXX XXXX. This letter had instructions for the XX/XX/2019 payment. 

XX/XX/2019 my bank notified me the payment was returned, no account found. 

I logged in to my Wells Fargo online account. It said my mortgage was transferred, no other information available. 

XXXX XXXX XX/XX/2019 I called XXXX and spoke to XXXX XXXX at Wells Fargo. She confirmed the website information and said the new servicer may not have completed the transition. She said they would contact me and suggested I contact them. She also said there was a 60 day moratorium on late fees and adverse credit reporting, but offered nothing but verbal assurances. 

I then contacted XXXX XXXX XXXX on line at XXXX XXXX XX/XX/2019. 

Their website said Our records indicate there are no active XXXX XXXX XXXX Account Numbers matching what you supplied. The information supplied was taken from the XX/XX/2019 letter from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Account XXXX Reporting incorrect account balance. I reported this information with proof to the credit report agency and filed disputes. They failed to remove the incorrect information being reported.