23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$590.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$590.00} Times 30/60/90 Days Late 3/4/4 Remarks Charged off account Account previously in dispute - Now resolved by data furnisher XXXX XXXX XXXX   XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$200.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 4/1/12 Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnishe Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$2600.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$2200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$22.00} XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1600.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$4100.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Creditor Name XXXX XXXX  XXXX XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$43.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$170.00} Remarks -- XXXX XXXX XXXX {$2200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$2200.00} High Balance {$2200.00} Remarks Consumer disputes this account information Collection account all ftc violations that were filed 45 days ago
Product: Credit reporting or other personal consumer reports

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt-Balance claimed including all fees, interest and penalties-Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Money transfer, virtual currency, or money service

on XXXX XXXX XXXX  i was scammed by asking to wire {$35000.00} from my XXXX XXXX account to a Bank of America N.A. NY account, i asked XXXX XXXX to recall the funds they did and after several attempts Bank of America did not respond XXXX XXXXave up ( Bank voucher is attached ). 

i am a victim of a XXXX XXXX XXXX where i was to invest into a crypto trading platform named XXXX for short term trades which was a bogus website i end up sending {$140000.00} in total {$35000.00} was sent in form of a wire transfer and the rest by sending in form of cryptos, thru XXXX and XXXX i was also asked by email ( XXXX ) by the same people to pay for taxes.
Product: Debt collection

Agency Call me two time, First time I was at work Lunch time, He mention that My debt from Old Navy is around the amount of {$1700.00} which is not correct. I ask for a verification of amount of the debt in writing but they refuse. Then, I told them that I ca n't continue the phone conversation since I was at Lunch in my work. Again, they call me on XXXX at XXXX threatened that I own over {$1700.00} and again I indicated that is not the correct amount. He offer a discount so I could agree in that momment to paid the amount of XXXX XXXX something. ( Ca n't remember the correct amount do to his improper way of talking and threatened ). And again I said that I ca n't agree to nothing before the debt amount is verified. They he turn mad and threatened me to sue me and talking to someone in the background that to pass over the file to the Attorney ... 

I never refuse to paid. I also ask for clarification of the amount of the debt and was refuse to me in both phone calls. I 'm a resposible person and I understand that there is a debt that need to be verify the amount because is not the correct amount. I feel dishonor, disrespectfull and since then I ca n't XXXX all the time thinking of the situation of this Collection Agency. I once back on XXXX when I enlisted to the XXXX XXXX XXXX XXXX, I sent a letter asking to settle the outstanding debt but never receive a response back from the Original Agency ( Old Navy ). Now I have this collection agency calling me and threatening me like if I didnt do my part before to resolve the outstanding debt. Back at XXXX If the agency will call or respond me this will not be happening at this moment, not the calling and not the amount that they say I own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo auto has violated my rights 15 USC 1681 sections 602 state I have the right to privacy.

15 USC 1681 sections 604 A section 2 : it Als states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit Card account under an open end consumer credit plan as late for And propose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did get behind on finances due to having XXXX which put me out of work long term then led to my company closing due to Covid. At same time my wife filed for divorce and my whole world came to a crash. 

Now. Back on my feet. I reviewed my credit report. Some items left by my ex. Some did get behind due to no income coming in. 

Now. I am working two jobs and trying to rebuild my life and my credit in order to buy a home. Thankful my storm is over. 

I contacted each and every account on my XXXX credit report. Disputing and then redisputong items. Multiple times and still not being reported correctly. Recently. I paid in settlement XXXX outstanding accounts. All verifiable. And confirmed. Ive reported these payments. Its reviewed. Then I get a motive dispute is complete and its still listed as potentially negative or paid in settlement. But still says. Potentially negative or collection. 
Only if you look at small print it may say paid in settlement. Then remains. Collection or paid in settlement. Its like they update 1 part but not others that show creditors negative. 

I am back on mr feet and earn XXXX per year. And a secure future ahead but am held back by inaccurate listing on all 3 bureaus. Can you help expedite this process as Im trying everything.
Product: Credit card or prepaid card

I applied for a XXXX XXXX  XXXX  card and was approved for a XXXX credit limit I ordered a recliner two weeks ago and I called symphony and i was told a second review was done and I was denied. I believe this was due to my age. This is discrimination
Product: Credit card or prepaid card

Went into Chase Bank my branch 3mos approx ago. 
Spoke to XXXX XXXX to find out interest on a Sapphire credit card. 
If it's too high I didn't want it. 
She said I have to apply to see. 
I did and she said it shows in the 12 % range and showed me the screen. 
Still seemed high as I have good credit but I accepted. 
When I received the card it showed 17.9 %!!!! I have been to the branch many times spoke with XXXX and Mgr. 
She agreed she said this.I got a call from Chase they said that's the way it's is.I said I need a call from her boss. 
Never got a call.I went back to the Bank mgr she said can't do anything.Is this right a bait & switch with customers????? Aren't times hard enough for the public??
Product: Debt collection

I received 2 emails from FCS Advance Loans, the first email was sent on XX/XX/XXXX and XX/XX/XXXX. The first letter I received on XX/XX/XXXX it was sent to my personal gmail account and in the letter they claimed I owed a debt of {$840.00} and threaten legal action, credit reporting, and garnish wages. After I received this letter I ignored it because I knew I did not apply to this loan and I am not familiar with this company. 

Fast Forward to XX/XX/XXXX, I received another email from the same company claiming that I owed {$840.00} and threatening legal action, credit reporting, and garnish wages. This time I responded to the email stating that I did not apply for this loan and that I did not appreciate the threats. A person name XXXX XXXX respond to my email stating he wants to settle thie balance of {$840.00} or else. 

The first email from FCS INCORP on XX/XX/XXXX ( the file number is XXXX and balance is {$840.00}. The email address is XXXXXXXXXXXX and phone number is XXXX The second email from FCS INCORP ON XX/XX/XXXX the file number is XXXX and amount is {$320.00} Initial Loan and Total Out Standing Balance is {$840.00}. The email address is XXXXXXXXXXXX and person number and phone number is XXXX XXXX XXXX
Product: Vehicle loan or lease

The vehicle was repossessed on XXXX XXXX, at that time the loan balance & repo fees was {$16000.00} ( based on my online account ) and was sold at auction on XX/XX/2020 for {$19000.00}. 
The amounts on the " Explanation of Calculation of Surplus or Deficiency '' letter dated XX/XX/2020 stated the aggregate balance as {$17000.00} ( which is incorrect ). I brought this to the attention of numerous customer service representatives until I finally spoke with XXXX in the Executive office of Santander Consumer USA on XX/XX/2020 she agreed the amount was incorrect and she was requesting a check to be issued in the amount of {$350.00} the difference owed to me. I do not understand how a large company can make such accounting mistakes, unless they do it intentionally. As of today I still have not received a check. I called Monday and requested a manager in the Executive Office and was told I would get a call back. Today I received a call from one of the representatives from the Executive Office her name is XXXX stating a manager approved a refund in the amount of {$260.00}??? She said the sale amount was incorrect on the original letter it should have been {$19000.00}. I can not believe they run a company like this, they are so dishonest. I should have received a letter this was the first mention of it. So, I advised her that was not acceptable. Her response was she would speak to a manager and see if they would approve the {$350.00} but she could not guarantee anything. 
I have been calling every other week requesting the initial refund check, then the Warranty refund, they do not like to give you back what is owed you, now, here we are in XXXX and I am still dealing with this situation with no resolution. They are thieves!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX bankruptcy was discharged in XX/XX/XXXX, Transunion listed my bankrupt as filed. I disputed this information after my discharge and Transunion came back saying the information on my report is correct. Again in XX/XX/XXXX I disputed my bankruptcy with Transunion as reporting incorrectly and again they came back with the information on my report is accurate. Both XXXX and XXXX   within days of my chapter XXXX discharge reported my bankruptcy correctly.
Product: Credit reporting or other personal consumer reports

These accounts have been reported late when it has never been late and the accounts are all closed. These are also closed accounts thag have all been settled. This incorrect information it is affecting my XXXX XXXX. This INCORRECT late payment, and account information needs to be removed immediately per the XXXX reporting laws stating correct reporting is mandatory. These are the incorrectly reported accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I logged into my XXXX XXXX mobile app and found three unauthorized transactions pending on my account. All pending from today ( XX/XX/23 ) of {$200.00}, {$200.00} and {$50.00} all from MoneyGram. They were sent through my MoneyGram app to XXXX and to a person I never heard of. It was funded directly from my checking account. Typically, I only send funds to my family in XXXX using my debit card but these transactions were done to a different country, using a different funding source and to a brand new recipient. Even with numerous failed attempts ( confirmed in the transaction history on the money gram app ) MoneyGram did nothing to alert me of these suspicious transactions. They failed me as a consumer. Instead of protecting their customers, they allowed the transactions to be processed but then cancelled my Mobile Banking account and not offer me a reimbursement after I filed a fraud claim. They have restricted my access to my transaction history to document this fraudulent activity. All they did was log my complaint. Im left being responsible for these unauthorized transactions. In order for me to obtain any more information on this matter from MoneyGram, I need to have law enforcement make the request through a subpoena, making it difficult for any consumer to resolve. We know how difficult it is for law enforcement to obtain a subpoena, especially when there isnt a suspect involved. Essentially, they are keeping all information, perpetuated by the fraudster, from me, the victim, while leaving to absorb the loss. All I was able to do was file a claim with my bank and with Money Gram to dispute the transactions.
Product: Checking or savings account

On XX/XX/XXXX I made an order using my wells fargo debit card. 
PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CARD XXXX I opened a claim on the XXXX, did not received the provisional credit and doesn't look that they even reviewed it. I learned that the store which I bought the product ( never recieved ) it was a scam at all. Well fargo denied my claim and right now I never got the product and the money are on them.
Product: Credit reporting or other personal consumer reports

This line of credit is not mine and my identity was stolen and was previously reported. This credit line is fraudulent and I want it removed from my credit file.
Product: Credit reporting or other personal consumer reports

I took notice to inaccurate information on my credit report. The accounts goes as follows ; [ 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  ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. 

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. 

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX Bankruptcy that was filed in XX/XX/XXXX. I called Equifax because they are one of the only companies reporting this on my credit file. I called on XX/XX/XXXX and requested a deletion due to the fact that it is 9 years old and I'm trying to purchase a home. On XX/XX/XXXX I called equifax again because on my XXXX XXXX and My Fico Score app. I received a XXXX point decrease in score and message stating that a new Bankruptcy was added to my profile. I request that it be removed and my XXXX points returned.
Product: Prepaid card

I, XXXX XXXX XXXX, really need help to receive a provisional credit adjustment to my Bank of America EDD card account that should have been standard issue for all transaction disputes that are really transactions in the history. I really did not authorize these transactions to XXXX XXXX in the past XXXX claim and XXXX transaction already went through and that resolved with the provisional credit and economic hardship explanation it was resolved I got the adjustment of credit of {$800.00} already. I have an active claim with Bank of America prepaid EDD card service center claims department disputing to transactions. I need help with to receive a provisional credit that should have been given with economic hardship escalation and it was denied the provisional credit and the economic hardship especially during this time period of urgent proclamations for support in the United States and I'm in XXXX. I would like you to promote provisional credits for a distribute transaction claims if a Bank of America throughout the United States.
Product: Mortgage

I would like to place a complaint against CHASE bank. Our house has been in default since XX/XX/XXXX. We initially owed only {$5000.00} and the bank started to refuse taking our payments each mortgage payment which were sent were returned. We have tried since that time to work out a loan modification with Chase Bank who is our loan provider and we are now in XX/XX/XXXX we have been battling for the past 7 years with the bank for a loan modification and have spent money on various types of agencies and have gone to also various non paying agencies as well in trying to come up with a loan modification solution. We still yet are waiting for a positive response toward a modification offer by the bank. Each agencies that have tried to help us after a year have given up and we are here still fighting. Each year there is a crisis that erupts in the family when the bank establishes a sale date for foreclosure and we go round and round trying to get it postponed and start again the same process all over again. Our family XXXX suffers from chronic XXXX XXXX XXXX, I ca n't even explain the impact of this situation on our family. We do n't know what to do, we have gone even at one point tried to declare bankruptcy to avoid loosing the house. We see others that have faced the same type of issues like us and have gone ahead toward a modification with their bank and us for whatsoever the reasons we still have not yet obtain an answer from the bank after all these years. All my mother 's savings all her life 's work have gone into purchasing this home. She is now retired and should be at peace but it is not possible because of this situation. Her work situation of course is not the same since she has now retired but she has support from us her daughters and renters in the house she is able to pay if the bank would finally come up with a modification for us. We need help because we do not know where to turn at this point of time.
Product: Credit card or prepaid card

I disputed a charge with a merchant that sold me counterfeit and defective goods.  Chase i nstructed me to contact  XXXX  to get their opinion that the goods in questions were counterfeit. Specifically, I was told that all I needed was a representative to confirm that the goods appeared fake. I contacted  XXXX  and was told by their representative that the merchant was not an authorized retailer and that the goods in questions looked counterfeit. I submitted this to  Chase, but Chase then closed the dispute in the merchant 's favor because they had not received the requested documentation ... which I had provided. In their rejection letter, they also claim they are not able to identify that the merchandise is counterfeit. I contacted Chase  and was tol d I would have to submit a request to have the dispute reopened in writing. I did so and included all information that Chase had requested from me since Day 1 of the dispute. Chase then told me I needed to submit proof that the merchant would not accept a return. I contacted the merchant and the merchant confirmed in writing they would not accept a return. I submitted this confirmation to Chase through their online portal. A month later Chase sent me a letter saying they would not protect me in this case because too much time had passed, and they could not recoup the money from the merchant.   <P/> I   disputed this charge last year, and Chase has dragged it out for months and months by requiring additional arbitrary information from me on an incremental basis.
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Additionally, Chase has not communicated with me in any way other than regular mail. No information is available through their online dispute portal or online communications portal other than automated responses along the lines of " We have received your message and are investigating your dispute '' ... Mail from Chase looks like any other piece of spam mail. Further, Chase never makes me aware that    they are sending me any correspondence via regular mail, thus I do not know to look out for it. I am a digital customer ; why encourage me to go paperless if your dispute process is entirely paper-based?  <P/> 
This is infuriating. Chase had every opportunity to side with the customer from Day 1 of this dispute. I have provided everything requested.