23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 XXXXXX/XX/year>
Product: Debt collection

1. This Complaint is filed pursuant to 15 U.S. Code 1692f - Unfair Practices and FDCPA 15 U.S. Code 1692e, and is directed specifically at continued non-compliance by XXXX XXXX, XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to CFPB, complaints # XXXX and # XXXX previous filed by me on XXXX XXXX, 2016 and XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX XXXX, XXXX. and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX XXXX, XXXX. and SPS Inc. are continue their non-comply with the FDCPA statute requiring them to stop all collection actions as required by the cease and disease. 

3. Select Portfolio Servicing Inc. has falsely asserted that we made a request for information on XXXX XXXX, 2016. The false assertions are made in written documents and can be consumed and relied upon by government agencies/authorities and judicial bodies when making decisions on certain issues. See EXHIBIT-XXXX. The statement below made by SPS Inc. is completely false. It is fabricated by SPS Inc., and it is the intentional misrepresentation of material facts to facilitate the continuation of SPS Inc. illegal collection efforts. The false assertion are as follows : " ( Select Portfolio Servicing, lnc. ( SPS ) acknowledges your request for information regarding the name of the " owner '', sometimes also referred to as the " investor '', " creditor '', and/or " note holder '', of the above referenced account. ) '' 4. SPS Inc. are using document that contain assertion they devised to by-pass FDCPA regulations. SPS Inc. are answering request that were never made and sending XXXX to XXXX document in response to their fake REQUEST thy themselves concocted and claimed it was a request we made. SPS Inc. is in fact intentionally fabrication what could become material facts. Thus, they are in violation of FDCPA. 

5. There is an ongoing unlawful effort by SPS Inc. and XXXX XXXX, XXXX to intimidate, harass, and coerce us into giving them a secured interest in our property. 

6. SPS Inc., after receiving affirmative communications from the CFPB that a cease and desist had been filed they are continuing to communicating with us regarding a debt and urging us to modify a purported loan. 

7. SPS Inc. and XXXX XXXX, XXXX, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through U S Mail to take action that can not legally be taken. 

FOR THE RECORD 8. As to the non-judicial foreclosure advertisement of a SALE UNDER POWER of our property at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Georgia, SPS Inc., on XXXX XXXX, 2016 sent by way U. S. Mail, written notice stating that the SALE UNDER POWER schedule for XXXX XXXX has been CANCELLED, See XXXX. The cancellation was also confirmed with XXXX XXXX XXXX XXXX XXXX ( Daily Report Public Notice paper ) customer service.
Product: Checking or savings account

Wells Fargo deposited several checks from a company I did work for into the wrong account. The account the money was deposited into was in no way linked to me or my business nor did it match the name on the checks being deposited. There are roughly {$200000.00} worth of checks that I was paid by a company that the money is now missing. I contacted Wells Fargo and they said to contact the company that I did the work for. The company supplied the checks showing they had paid. But I never received the funds. Wells Fargo deposited these checks into an account with out a signature on the checks. There is only a printed name on the check. Also Wells Fargo did tell me over the phone that the account the money went into was not my account and did not have my name on it. I have attached the referenced checks. Yet Wells Fargo claims they have now responsibility for the money going into the wrong account and have not been helpful in anyway to correct the issue. Wells Fargo is the only one with access to both accounts and I do not know who 's account this money went into.
Product: Credit reporting or other personal consumer reports

I feel that I was negatively impacted, hurting mychances at credit after receiving a response to myearlier dispute that the accounts were verified.Please provide proper and true proof or deletethese accounts. Thank you.
Product: Credit reporting or other personal consumer reports

Agreed to cosign on a car loan for my sister through XXXX universal acceptance. We made a payment on XX/XX/2023 and another payment on XX/XX/2023, which is a 14 day difference, however, XXXX is reporting that XXXX payment was more than 30 days late. 

XXXX is reporting that from XX/XX/2023 to XX/XX/2023 is a 39 day difference. My issue is that I have disputed this with all three credit bureaus, XXXX, Experian, and XXXX XXXX, but because XXXX is verifying that the payment is more than 30 days late, the credit bureaus will not remove the derogatory remark. I have provided XXXX, Experian and XXXX proof that the payment was not more than 30 days late by providing bank statements and screenshots of payment history from XXXX. 

I have provided clear evidence that XXXX is not providing or verifying accurate information yet Experian, XXXX and XXXX are still honoring the inaccuracy as I have disputed the derogatory remarks multiple times and provided proof. 

The proof that I have provided should Trump whatever XXXX is verifying via word of mouth. If I have the evidence and I can prove that there is a discrepancy, that should be enough for Experian, XXXX and XXXX XXXX to remove the derogatory remark for my credit report but because Experian, XXXX and XXXX will not remove the inaccuracy even after I have disputed the inaccuracy and provided proof, I have decided to file this complaint with the consumer, financial protection agency.
Product: Debt collection

I file a complaint against this company on XX/XX/year> demanding a signed contract between myself and the original creditor- they uploaded a blank contract with no signatures ... doesn't prove a thing. I also demanded the agreement between XXXX XXXX and the original creditor - also not provided. XXXX uploaded a computer generated ledger with numbers and dates that don't mean a thing. At this point if they do not cease collection efforts and provided the demand documentary evidence as previously requested I will file suit to obtain it and recover for them violating my rights and violating the FDCPA. They have XXXX XXXX
Product: Credit card or prepaid card

I contacted Paypal Extras Mastercard about the personalized merchandise I purchased from XXXX  on XX/XX/2018, that when I got home and noticed the receipt amount was overcharged I was shocked ( my bad was I signed the receipt at the counter without looking the exact the amount because I was on an important call and I trusted XXXX because they're a big name ). It was supposedly {$2000.00} something but the receipt that charged to me was a whooping {$2800.00}. I called the XXXX the next day and spoke with the manager named XXXX and she said it was an honest mistake. I am so mad and want my full refund back but she said they can only give " full store credit ''. And I said no! You guys overcharged me and you expect me to trust you? The item actually is not with me because it supposedly personalized and they will deliver it to my house in one-week which is XX/XX/2018. 

I told Paypal Extras Mastercard the whole story but after two-week Paypal charge-back the amount to me with a whooping {$2800.00}. I kept explaining them that the item is not even delivered to me, I felt like my Credit Card which is Paypal not protecting their customer because I told them- I am DISSATISFIED with the XXXX XXXX, OVERCHARGED me, and the item is not in my hand. I don't wan na pay it because how do you expect someone to pay the OVERCHARGED? DISSATISFIED of their service? 
Please help me because this is really so stressful, I am suffering emotional stress, anxiety and sleep less at night. 

Thank you so much.
Product: Consumer Loan

WELLS FARGO AUTO LOAN ( Dealer Services ) Ran into a bumpy month and the payment declined. ONLY problem we have had paying in about two years on the loan with them. Normal monthly payment {$360.00}. Called to tell them I would pay the XX/XX/XXXX. Go to pay it two days later, on the XX/XX/XXXX - the overdue and the current month- totaling {$720.00}. Am informed they wo n't allow me to pay online or accept my bank check. I can only pay over the phone and the only amount they will accept is the full amount with fees which is now {$980.00}. I said I do n't have that the woman on the phone became nasty. " Why, why ca n't you pay what are you doing with your money what is more important than paying for your car? '' Seemed to enjoy it, smile through the phone. Refused to accept any payment from me and also told me " I do n't care what you was told yesterday, today I am not taking that payment over the phone. '' So they wo n't accept my money after charging more than I owe and can afford after almost two years of perfect pay history and treated like a scum bucket for trying? So what can you do?
Product: Checking or savings account

HSBC Bank provided misleading bonus advertisement. It sent me an email on XX/XX/2020 saying that I would receive {$15.00} per month for 6 months if I made 10 debit transactions. From XXXX  to XXXX  I made at least 10 debit PURCHASE transactions each month, but HSBC refused to pay out the {$15.00} per month bonus, claiming that these didn't qualify. All of the transactions I am referencing coded as Purchase on my statements. They did not code as cash advance, ATM withdrawal, or balance transfer as HSBC claimed. They can see the statements themselves.

email from HSBC To qualify for the Card Transaction Offer ( " Card Offer '' ), up to {$90.00} ( {$15.00} max
per month ), you must have an Eligible HSBC Mastercard Card ( " Eligible Card ( s ) '' ) issued to you by HSBC Bank USA N.A. and complete at least 10 eligible new purchases per calendar month using your Eligible Card ( s ) during the Promotional Period. Eligible Card ( s ) includes HSBC Debit Mastercard card ( s ) linked to your HSB XXXX checking account and/or HSBC Mastercard credit card ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Trans Union LLC on XX/XX/2019 to request their company remove 13 inquiries that were re-inserted to my report by their company. I called them to inform them of their error, but they unfortunately refused to help me resolve this issue despite the fact that this error originated with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting incorrect balances for XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX All have XXXX balances. Equifax still reporting old balances.
Product: Money transfers

I was the victim of a wire transfer scam involving a business 's Wells Fargo Bank account. It was demanded of me that I wire, no other method was provided, {$67000.00} to the following Wells Fargo Bank Account on XXXX XXXX, 2016 : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. The Bank Wiring Instructions were as follows : Bank Information : Wells Fargo - XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Name on Account : XXXX, LLC Account Number : XXXX Routing Number : XXXX. This was a 'scam ' and a fraudulent wire transfer and there are numerous complaints against this business for these wire transfer 'scams '. Wells Fargo has a fiduciary duty to prevent and address such abuses by their business clients upon consumers. In addition, I am learning that transfers of these magnitude trigger many Financial Institution and IRS investigations. Per FTC Reference # XXXX, I was instructed to contact my own Bank to try to have this Wire transfer reversed and the Wells Fargo business client refused. My Bank has now opened a Financial Crimes Investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last reported XX/XX/XXXX {$400.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$650.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original creditor name XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The XXXX XXXX Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.
Product: Credit card

I have had a first digital credit card for many years always paid on time ( auto-pay } more than the minimum payment due. I disputed unauthorized XXXX charges. 

I received a letter XX/XX/year> stating I received credit for all unauthorized charges that were charged by XXXX. That I was not liable for these charges. Then the investigation was finished, and I was not at fault. XXXX did not have authorization to do this. 

Then on XX/XX/year>, First digital card, Synovus bank put those unauthorized charges back on my account. I called them, and they were very unprofessional and very condescending, and their reason, the letter was a mistake. A mistake, no other reason, just they wanted to put more charges on my card, and they were laughing about the situation. Very, very unprofessional CSR. 

This conversation took place on XX/XX/year>, XXXX, XXXX. XXXX $ and XXXX XXXX This is a company that is corrupt. They charge high interest rates, monthly fees, and huge annual fees. 

Then on top of all that they put back on unauthorized charges so you can not use your card. They even refuse a XXXX  after years of auto payments and never being late. This is a very corrupt company and should not allow stealing from their clients. I am a XXXXXXXX XXXX XXXX { I worked for 42 years ) and on a fixed income. 

Just because they are a corporation, they can steal from you? The point is that they knew they were in the wrong, and they thought it was humorous. 

According to them, it was a pleasure to make you upset and that they had power to steal from you, and you can not do anything about it. Really XXXX  people work for this corrupt company. 

Why would XXXX XXXXXXXX XXXX XXXX Synovus Bank, refuse to honor the disputed charges that were not authorized. Find me not liable, and credit me accordingly. Then XXXX weeks later reverse the results of the investigation and put those unauthorized charges on my account. Then proceed to converse with you in an inappropriate, unprofessional way? 

It is so ironic that a company would go out of their way to make their customer upset, and cause distress. To do it in such a way that was humorous to them. The grief and stress it caused me was entertainment, humorous entertainment to the CSR. It was so ludicrous and unbelievable. 

A legitimate Credit Card, Bank, would honor the results of the disputed transaction investigation. Finding me not liable ( send me a letter stating as such ), but XXXX XXXXXXXX XXXX XXXX Synovus Bank, decided to put unauthorized charges ( that were deemed UNAUTHORIZED, ) back on my account, and proceed to refuse to honor the letter stating just that. Then to converse with me in a joking, humorous, condescending way. What kind of company does this? XXXX XXXXXXXX XXXX XXXX Synovus Bank. 



Best Regards ;
Product: Checking or savings account

I am writing to formally lodge a complaint regarding a frustrating and unresolved issue with TD Bank concerning a disputed charge. 

In XXXX, I visited a restaurant and made a purchase that should have been between {$25.00} and {$35.00}. However, within a day or two, I noticed a charge on my account for $ XXXXa gross overcharge. I immediately contacted TD Bank to dispute the transaction, explaining that while I recognized the venue, the amount was clearly an error. TD Bank issued a temporary credit while they investigated. 

Months later, I was shocked to find that the charge had been reapplied to my account. When I contacted TD Bank for clarification, they asked if I could provide a receipt for my purchase to prove the correct amount. I explained that I did not have the receipt and argued that the merchant, not the consumer, should be responsible for providing proof of a valid chargeespecially for an amount this large. 

To date, I have received no receipt, documentation, or evidence from the merchant or TD Bank that justifies this charge. It feels incredibly unfairand perhaps even predatorythat a bank would side with a merchant in the absence of proof while placing the burden of evidence on the customer. 

This situation raises a broader concern about how banks handle disputes. If a consumer were to purchase something small, such as fast food, its unreasonable to expect that they could provide a receipt days, let alone months, later. Yet, banks like TD seem comfortable holding consumers accountable for errors without requiring the same accountability from merchants. This is why I want to close all of my accounts. 

I believe this practice is not only unfair but also reflective of a systemic imbalance that prioritizes the interests of merchants and banks over those of their customers. I am seeking CFPBs assistance in ensuring that TD Bank addresses this dispute appropriately and that such practices are scrutinized to prevent further harm to consumers. 

Thank you for your attention to this matter.
Product: Checking or savings account

Well from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX took {$10.00} {$80.00} {$100.00} from my account. And XXXX XXXX  took {$130.00}, {$42.00}, {$110.00}, {$36.00}. not only do I not know what XXXX XXXX  is when I tried to dispute these charges with credit karma they said disputes need made within 60 days of the statement month. However credit karma does not issue account statements. Furthermore no where in any of the things they send you about the account does it tell you about the alleged 60 day rule. They call questioning transactions at your local gas stations, but never about online transactions such as XXXX XXXX  and XXXX XXXXXXXX as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that World Finance delete this account immediately and not ever repost it on my consumer report. 

Loan XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.
Product: Debt collection

Dear Self/South State Bank It has come to our attention that you have been using our copyrighted material without authorization. As the owner of the copyright, we take this matter very seriously and demand that you cease and desist all unauthorized use of our copyrighted material immediately. 

We understand that errors or misunderstandings can occur, but we must insist that you rectify this situation promptly. Failure to do so may result in further legal action being taken against you.

We are willing to discuss a resolution to this matter, but it is imperative that you contact us as soon as possible to address this issue. We value our intellectual property rights and will take all necessary steps to protect them. 

Please respond to this letter in writing within 30 days to confirm that you have ceased using our copyrighted material and to discuss a potential resolution. 

Thank you for your prompt attention to this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ SYNCHRONY BANK/VENMO CREDIT CARD ] [ XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX XXXX IN REGARDS TO Account number XXXX I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). It has recently come to my attention that your institution has erroneously included information regarding my line of credit utilization which depicts my experience with your Financial Institution in my consumer report with all consumer reporting agencies including [ XXXX, XXXX, XXXX ]. 
In accordance with 15 U.S. Code 1681a, The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As per the FCRA regulations, transaction and experience information related to a line of credit with a financial institution should not be reported to consumer reporting agencies. However, I have discovered that my utilization of the line of credit with your institution has been reported adversely affecting my consumer report. 

I demand that you take immediate action to rectify this violation by updating the utilization reported to consumer reporting agencies to reflect 5 % or below, or alternatively, delete the utilization information altogether. Failure to comply with this demand within [ 10 Business days ] will result in legal action to enforce my rights under the FCRA. 

Please be advised that under the FCRA, consumers have the right to accurate and fair credit reporting. Any failure on your part to correct this matter may result in severe consequences, including but not limited to statutory damages, punitive damages, attorney fees, and injunctive relief as provided for under the law. 

I trust that you will take immediate action to rectify this violation, prevent any further harm to my credit standing, and continue our nonpublic transaction and experience. I expect a response from your institution confirming the corrective measures taken within the specified timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX