23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello the office of CFPB, I am writing for your assistance to please help me to get American Express to do a thorough investigation on the fraud/scam case opened by me in XX/XX/year>. I would like them to reexamine their current outdated policy/guidance and to correct this situation : Refund me the invalid {$11000.00} charge on my account and to report this merchant to the appropriate authorities to prevent them from doing this to others. Scammers are getting smarter, and it is hurting all of us if we don't look at the facts and adapt our policies too. 

1. In XX/XX/year>, I traveled to XXXX XXXX and purchased a single candle for {$11.00} in XXXX XXXX. The merchant took my card and charged it to something else without my knowledge and authorization. I am disputing the invalid and unauthorized {$11000.00} charge to me by XXXX XXXX which American Express is allowing to be posted on my account. 
- American Express allowed the {$11000.00} charge on my card without prior verification with me. This is to date the highest amount charged on my card or any of my credit cards. 
- This also happened internationally so this should have been a major red flag for the AMEX fraud department. 
2. Once I became aware of the situation, I timely reported the finding and provided evidence. There was a lot of back and forth and in the end, American Express gave me back a generic In response to our previous inquiry, the merchant has provided us with itemization and a signed receipt indicating that the charge in question is valid which has been attached for your reference. '' - The merchant targeted me because I used the American Express card and found a loophole in the system. 
- They provided invalid and falsified documentation for a transaction that I did not authorize. I did not receive any of the listed items. Also, the single candle for {$11.00} that I got was not listed on their receipt. 
3. When I spoke to American Express representations, they were not helpful because this situation did not fit perfectly in their defined guidelines. It isnt a fraud because I gave the card over to the merchant even if the merchant switched the charge on me without my authorization. They agreed that this is a scam and I was told that I was not protected with scam cases. 

To date, I have provided evidences of what I purchased : photo and the receipt given to me after the transaction matching what we agreed on and what I actually received, my communication with the merchant about the transaction in which he could not confirm it was me or my transaction but refused to correct his error, my notes on the discrepancies on the merchants documentation, as well as my notifications to the agencies of this fraud/scam case. 

Please help me. Please just read through the facts. This is an awful feeling and I truly hope for this to not happen to anyone else too. 

Thank you!
Product: Mortgage

XX/XX/XXXX, I contacted Wells Fargo about a mortgage modification. Being proactive because my financial situation was changing. They sent me documentation to fill out and this was done by me in a timely fashion. Wells Fargo confirmed that all documentation required was done by me until they denied the modification XX/XX/XXXX because something they did n't ask for was not completed. Month after month the same documents were sent, then I got representation because of the stress this process was taking on me. Finally in XX/XX/XXXX I sent an email to Wells Fargo board of directors and then all of a sudden my modification was approved XX/XX/XXXX. Then XX/XX/XXXX, Wells Fargo sends me a letter trying to cover the fact that they contacted me during the cease and desist period which I dispute in writing. Wells Fargo also purposely dragged out the process of the modification urging a short sell and in the process have given themselves XXXX sitting in a corner of profit at my expense. The desired solution ; explanation of how my request for a modification rewards Wells Fargo a profit of XXXX. And to make others aware of Wells Fargo way of business.
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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXX XXXX ( original creditor:XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ), Account name : XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have a auto loan through XXXX  XXXX XXXX on my credit report that was charged off in XXXX. I paid it off in full in XXXX. On my most recent credit report Equifax innaccurately reported this account 's " Date Major Deliquency 1st Reported '' to XXXX, XXXX. If the account has been closed for 6 years, and paid off for four, it's impossible that the first reporting would be last month. This was done to illegally re-age the account, and my credit score dropped signficantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX that my credit rating took a dip a rather big debt because it was reported I had not paid my mortgage. The email I got from XXXX stated that this was posted in TransUnion. I contacted TransUnion. They told me my mortgage lender XXXX XXXX   notified them delinquent on the payment. I contacted XXXX XXXX. They sent me copies of everything they sent to all of the reporting agencies.. It never showed me is being delinquent on a payment. Trans Union has informed me that I should Contact XXXX XXXX  again. With Trans Union has failed to note was that my bank reported to Trans Union in XXXX that the mortgage was paid. Your Trans Union went public in early XXXX that I was delinquent. XXXX XXXX  they never sent anything in late XXXX or early XXXX to any other reporting agencies. Only Trans Union has reported me delinquent. The bank reports to all for reporting agencies at the exact Same time with the same report. I will ask again for proof from TransUnion that they actually receive something from XXXX XXXX. They have never responded to my request for proof that they receive something from XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I lost my job but I bought the insurance to pay for my payment in case that would happen. I talked to someone when they called and they said they could n't do anything about it. Also when I refinance my loan, they did n't take the principal amount to calculate the new amount but the whole loan ( with all the interest calculated in ) making the payment that much higher. Also it is confusing because on their webpage there is only the " full amount '' loan amount plus all interest. I feel that that is not right and some shady loan practices are afoot.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. 

For Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to authorize the app, " XXXX '' to use my Capital One 360 account but Capital One is blocking this feature. 

I should be able to pay for things with my money wherever and however I choose.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to resolve the incorrect XX/XX/XXXX late payment reporting with XXXXXXXX XXXX but to no avail. I paid my payment in full for XX/XX/XXXX and when I inquired as to evidence of the late payment, XXXXXXXX XXXX provided evidence for a different account than my actual account. 

As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have soken to this company on recorded phone calls and they insured me that this error would be fixed however as ofXX/XX/XXXX, it still remain on my credit report in error.
Product: Consumer Loan

I have a auto loan with Consumer Portfolio Services and after a year of paying my loan my balance has not changed. After investigating it appears they are applying my full payment to interest! 
Item Financed : XXXX BMW 3 SERIES Amount Financed : {$17000.00} Contract Amount : {$17000.00} Contract Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX falsely threatening car repossession ; and deceptively manipulating Caller ID. Because for many of its accounts CPS is a creditor, the complaint charges these practices violated Section 5 of the FTC Act. For those accounts where CPS is a debt collector, the complaint charges these practices violated the FDCPA. Improperly assessing and collecting fees or other amounts on my account. Unilaterally modifying my contracts by increasing principal balances. Making unsubstantiated claims about the amounts I owed. After speaking with customer service they refused to give me a straight answer as to why all of my payments have not been paid to the principal amount for the entire year I have had this loan. I feel they prey on consumers with bad credit and or bankruptcy 's in which they charge the maximum interest rate of 24.99 % and expect the consumer to miraculously pay off this god forsaken interest rate.
Product: Mortgage

XX/XX/XXXXXX/XX/XXXX received a HAMP modification. currently and have always been current with my mortgage.XX/XX/XXXX started receiving bills from another mortgage company, SN Servicing , at first was throwing away thinking was a scam. then received notice of default, so I called them, they claimed to own my second. equity line of credit. told them I had been modified and should no longer have a second. after threatening to foreclose I came to agreement paid {$2000.00}, then started payments of {$320.00}, for about 4 months. whole time thinking something is not right. after speaking with real estate agents, they also said something is not right. second should have been taken care of in MOD. paid lawyer {$600.00} he said same thing, looks fraudulent.

after months of research, the numbers in payments added up to it being taken care of but couldn't find anything in writing. Then got sale date. paid {$3500.00} to another lawyer he said same thing, looks fraudulent. filed chapter XXXX to stop sale. after his research found that the company XXXX XXXX XXXX that handled my MOD was shut down and disbarred for fraud. so 13 fell through due to finances I am back to sale date, from SN Servicing. after not receiving any bills or any kind of notices for 10 years they a foreclosing and asking for {$90000.00}, original loan was {$54000.00}, they are charging for all back bills due and fees, and foreclosure fees. denying to look at any modification. this was not a failure to pay due to financial hard ship but was not paid due to me not knowing the loan was valid. Now they are not wanting to work with me
Product: Debt collection

this was paid to a different collection agency over 4 years ago. I never had a account with this company that was opened in XX/XX/2016 like they are claiming on my reports
Product: Checking or savings account

Ok so I look in my account and I notice that there is about a XXXX difference in what should be there. So I look through the transactions and there is one for XXXX. A withdral slip like I walked into the bank and took funds out of my account. I had already received several letters from the bank advising that my ID and address were updated. I have had the same ID number since I been driving and the same address for 30 years. I call the call center and get the run around, finally someone told me what branch it was done aat and i call the bank mgr. I speak with them and they " oh its a banking error '' and put it back. My daughter tells me, that's a teller or someone who works there because who else can change your address and ID number, you cant even do it. I said all is well and left it at that corrected it. 

Another month goes by and this time its XXXX and i go to the bank, when I do I can see the screen and the person comparing the last time and this current time, as well as they got my signature. They saw that it was not me, I asked for the tape as well, never got it. I am seeing at this point what legal actions I can take. They assured me I would get my money back and the account would be closed I then get a deposit into that account that SSA gave me for XXXX. I call them cause I notice my account info has not been corrected and was told that they can move my money to my new account as a courtesy. Then I was told all of these fees Im going to be charged. I have banked with this bank for yearsssss. Once this is all said and done I will be closing out any and all accounts that I have with them I want my XXXX as well as my XXXX from SSA. I also want an apology and I want the tape that shows me or whomever going in the bank because I want them prosecuted to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had anything to do with Elon Financial for over 20 years. They have changed the dates on this old debt over and over and just keep reporting it as negative to the credit bureau 's as if it's a current dept. I have disputed this debt many times but Elon changes the date of the date of the debt and reports it again. The credit bureau 's just believe them and leave the negative info on my reports. This debt has been settled, written off many, many years ago. It's like they are doing this out of some sort of revenge. I can't believe this is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized credit inquiries listed on my Experian credit report, which I didn't give permission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SHOWING AS OPEN ACCOUNT AND PAST DUE AMOUNT ON CREDIT REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTCY AND CLOSED. PROPERTY HAS SINCE BEEN SOLD AND NO LONGER IN MY NAME.
Product: Checking or savings account

This is additional documentation for my appeal to PNC bank disputing charges posted to my checking account on XX/XX/XXXX, in the amount of {$270.00} and {$500.00}. I was in the barber shop in NC, when a string of thank you for your subscription messages with amounts started comping across my cell phone. I am a student at NC XXXX and XXXX My physical whereabouts can be confirmed at all times, to prove I was in NC and then in MD for the winter break. I was warned not to open messages like that, so I phoned my mother, and she instantly called the bank and had them cancel my bank card ( XXXX XXXX XXXX XXXX ). Immediately as this was happening and while the charges were still pending, my mom asked the bank not to pay then, but the bank paid them. I still have copies of some of the messages on my phone, which I am attaching this complaint ( being filed with the XXXX XXXX XXXX XXXX ). When I returned home to MD, my mom and I went to PNC and told them of the events, and I received a new bank card. I was told by the bank representative that PNC should have contacted me to verify my identify and ask if this was me, making these transactions, when the string of highly unusual activity was taking place. Nevertheless, I assumed that after the dispute was filed on XX/XX/XXXX, the event was behind me. 

On XX/XX/XXXX, I received a letter in the mail from PNC, stating that I was responsible for the transactions. The 2 transactions that actually posted and were paid by PNC were for {$270.00} and {$500.00}. Both were online purchases to Target, and picked up at a Target in CA ( while I was still in NC ). I had my bank card with me the entire time this was going on. I did not make any online purchase for these items, nor did I authorize or pick up these items. No one else is authorized to pick up anything on my XXXX account but myself. XXXX requires that if someone else picks up items on your account, they be named on your online account. No one else is listed on my account. Additionally, ID must be presented when picking up items. I did not pick up any items in CA and I have never been to CA. I do not know how PNC is holding me responsible for these transactions when clearly my bank card was hacked. The string of transactions going across my cell phone did not stop until the card was shut down. 

I filed a police report with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX on XXXX XXXXXX/XX/XXXX, after the unfavorable determination was issued. The Police Report # is XXXX. I filed a complaint with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am including this as written documentation to PNC.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  is the facilitator and contact company for XXXX and all billing was combine and paid through XXXX. When the service was terminated, the last billed posted was paid in full to XXXX. I don't owe a balance for services. I contacted the creditor for more information and the call was disconnected every time I asked for them to send me valid information on the account. Such as, the debt validation letter with the address on file with my signed signature and any supporting documentation on the debt. Each time, the line was disconnected by the representative. Again, I do not owe a balance on this account.
Product: Debt collection

Debt collection notices were placed on my credit report on XX/XX/18, XX/XX/18 and XX/XX/18 by Diversified Consultants for an unpaid balance to XXXX for {$1100.00}. 

This debt is not mine and a likely result of identify theft. I had requested Diversified Consultants to verify this debt via certified mail on XX/XX/18 ( Tracking # XXXX, delivered on XX/XX/18 ) but they have not responded to date, continue to harass me via phone and entered a new collection notice on my credit report on XX/XX/18. I have opened investigations with all CRAs that list this collection notice - they are investigating the debt/account info. 

Diversified Consultants is in breach of FDCPA - they have not verified this debt despite receiving a written request from me, continue to harass me via phone and continue to report/issue new notices to the CRAs.

My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting or other personal consumer reports

I am BEYOND frustrated with Equifax They are reporting XXXX credit cards on my report that are in correct They show I have XXXX credit cards with XXXX XXXX and XXXX Credit cards with XXXX XXXX I only have XXXX credit card with XXXX XXXX and XXXX with XXXX XXXX I even sent a letter from XXXX XXXX stating I only have XXXX credit card and yet Equifax refuses to remove this Duplicate card from my report The duplicate cards show the same open date and credit limit so it should be obvious that this an error There is absolutely no accountability with Equifax when I call them Note the other XXXX credit companies have my information correct I have already sent multiple dispute 's with them
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've had an account with Bank Of America for several years. 

I consistently had tellers give me inconsistent levels of resistance when cashing checks due to my foreign name, " XXXX XXXX '' I recently found out my account was closed and know that it was because of a similar pattern of discrimination that was established over the years of my banking with them
Product: Debt collection

This is a complaint in reference to the Nationwide recovery services. They have been listed on my consumer report fraudulently. I have never received any agreements or documents verifying these accounts belong to me.