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

Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX TV was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XX/XX/XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. 

Attachment communications with Discover discover statements from XX/XX/XXXX copies of the credit reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX and XX/XX/23
Product: Debt collection

I discontinued services and closed my account with XXXX  on XX/XX/XXXX. I received an email confirmation from XXXX on XX/XX/XXXX confirming that they received my request to cancel services. My last payment in the amount of {$170.00} was made on XX/XX/XXXX which brought my balance to {$0.00} owed. 

I called XXXX customer service on XX/XX/XXXX to confirm that my services had been, in fact, canceled and to ensure my account balance was still {$0.00}. The customer service agent said there must have been a mix up at XXXX as it was still showing that the account was open on her end. The support agent " canceled the service again '', gave me a cancellation # and confirmed my account was showing a credit of {$220.00}. 

On XX/XX/XXXX at XXXX I went to my local XXXX  store to return my equipment. My customer support sales person was XXXX XXXX. He opened my account details and it was still showing that my account was NOT canceled! Because I had the supporting documents that showed I had canceled my services on XX/XX/XXXX, XXXX was able to backdate the account to reflect the cancellation date of XX/XX/XXXX. He took my equipment to send back to XXXX, printed out my receipt and made copies of the shipping labels and advised me to " keep copies of the receipt and shipping labels as XXXX has a tendency to claim they did not receive the equipment ''. I have all receipts, labels, and correspondence on file. 

I thought everything was fine and issue was resolved until I received my first notice of debt collection on XX/XX/XXXX for {$180.00} from XXXX XXXX on behalf of XXXX. I immediately disputed the claim in writing and sent copies and supporting documents to XXXX XXXX, XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. 

I didn't not receive any response back and again assumed issue was resloved. 

I just received a second debt collection notice from a different company, Convergent Outsourcing Inc, on behalf of XXXX for the amount of {$180.00} on XX/XX/XXXX. I have written to Convergent, again disputing the claim and asking for proof of what debt XXXX  claims I still owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these reports to go to all three credit bureaus. XXXX, XXXX, and Transunion. The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and date last reported is not accurate. This is grounds for removal also violated my rights under 1581.

15 USC 1581 Section 694 A It so states the right to privacy.

15 USC 1581 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Collection on My Credit Report Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute a collection account XXXX XXXXXXXX amount : {$1700.00} date opened : XX/XX/2023 that appears on my credit report, which I believe is inaccurate and does not belong to me. 

Upon reviewing my credit report, I noticed an entry for a collection account under my name. However, I have no knowledge of this account, and I believe it has been mistakenly associated with my credit profile. 

I kindly request that you investigate this matter promptly and remove the inaccurate collection entry from my credit report. I have attached relevant documentation supporting my claim, including evidence of payments and any other pertinent information. 

I understand the importance of maintaining accurate credit information, and I appreciate your attention to this matter. Please inform me of the results of your investigation and the actions taken to rectify this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am being overcharged interest every month. I am being double charged. I called my card company twice and spoke to XXXX people who said that my rate is XXXX and that is fact. Deal with it. I tried explaining that my purchases were all made under INTRP1 and that I should only be charged that rate, XXXX every month. I was told no, that rate just expired. My rate is XXXX and it just changed. I said that is not correct. I am being charged 2 rates every month. My statements show 2 rates every month with charges All the purchases that I have made per my statements come under the INTRP1 plan. That rate is XXXX. 
My last purchase was made on XX/XX/27 and came under INTRP1 plan. 
In XXXX, fraud transactions were put on my card that were not mine. All the fraud transactions were put on the XXXX. I told my card that these are not my transactions and I disputed them. I did not make those transactions. My card was credited back for the transactions but now I am being billed for the XXXX rate every month since the fraud transactions. The XXXX has a variable rate. On my XXXX statement the rate for this plan was XXXX have been billed interest for this plan since XXXX, right after the fraud transactions were billed under this plan. I asked my card to stop billing me interest for the fraud transactions and I was told that is not what is happening. My rate is XXXX. Again, I said that is not right.
Product: Money transfer, virtual currency, or money service

I was scammed by XXXX on XX/XX/. I supposed to purchase a XXXX  puppy but I didn't receive a puppy. 

I paid {$820.00} to XXXX XXXX ( XXXX  ), I used XXXX to send my payment for the puppy ( XXXX to XXXX XXXX - XXXX - REF # XXXX - XXXX XXXX XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. 

I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX XXXX ( thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. 

Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXX XXXX  to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. 

It's too late for me that my relatives and friends told me that XXXX is a SCAM and it is included in the list of Pet Scams at the websites. 

Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs Vaccination and Rabies Shot at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. 

I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. 

I tried to contact my bank, Wells Fargo to dispute or reverse my payments thru XXXX and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. 

Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX belongs to XXXX XXXXXXXX XXXX XXXX XXXX. 

I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. 

I hope that you can help me to arrest the scammers and help the victims of XXXX
Product: Credit reporting or other personal consumer reports

The account was open fraudently.I was XXXX.I never open nor gave consent to open using my name.The account been reporting on my bureau after contacting XXXX and Bmw financial.I would ask respectfully that the last page of the documents.That not my signature on the contract for BMW.I signs the XXXX behind my name see id and social.If this cant be investigated properly and what procedure taken be forwarded to me via mail or email, I personally would ask for the legal address to serve suit. The name of BMW is on the face of the report as well as XXXX dates and a letter of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A CREDIT INQUIRY/REVIEW PULLED YNDER MY TRANSUNION CREDIT PROFILE # XXXX GEBERATED XX/XX/2020 THAT DISPLAYED A ACCOUNT REVIEW INQUIRY BY XXXX XXXX ON XXXX WAS NOT DOING BUSINESS WITH XXXX AT THAT TIME ..THE PROBLEM IS IT WAS NOT A PROMOTIONAL REVIEW IT WAS UNDER " ACCOUNT REVIEW '' /YOU CAN ONLY ACCOUNT REVIEW WITH EXISTING ACCOUN WHICH I DID NOT HAVE AT THAT TIME, NO MATTER A SOFTORT HARD IT WAS AND " ILLEGAL NON PERMISSABLE " REVIEW FOR I DID NOT HAVE AND ACCOUNT.I WANT TO KNOW FOR WHAT PURPOSE IT WAS [ PULLED.YPUR REPRESENATIVE TONITE SHOULD HAVE ROPENED A DISPUTE AND SENT TO XXXX AND HE JUST SAID CONTACT XXXX.I HAVE AND THEY DENY THE PROOF I HAVE PROVIDED WHICH I SENT TO TRANSUNION AND THEY SENT ME A LETTER BACK SAYING COULD NOT FIND IT.THERE WAS NO EXISTING ACCOUNT WITH XXXX TO REVIEW THAT IS THE POINT, XXXX XXXX XXXX @ XXXX  CUSTOMER ADVOCACY HAS RECEIVED THE PROOF AND HAS WRITTEN TO CPFB NOTHING EXISTS ..XXXX  IT DOES .I AM SUBMITTING AGAIN TODAY DENIED IT EXISTS IT DOES
Product: Credit reporting or other personal consumer reports

I never received privacy notice before they furnish any information to my credit report. I also didnt receive opt out notice for any of the companies listed. 
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 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 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: Prepaid card

I was issued an American Express gift card as a refund for shipping damages. I bought a large toolbox for my husband and purchased shipping protection through XXXX XXXX XXXX to guarantee that it arrived safely and undamaged. The toolbox arrived in bad shape and XXXX sent me a refund in the form of a virtual American Express gift card in the amount of {$1000.00}. The card was issued on XX/XX/year>. I used the card on various online purchases throughout the next several months for a total of {$490.00}. This was frustrating enough as the AMEX gift card would not work with commonly used online shopping places such as XXXX and XXXX. Then in the beginning of XXXX I checked my gift card balance and experienced great shock when I saw the balance was now {$0.00}. I checked the transaction history and there were 7 different transactions at a website called XXXX that were not me. The total money stolen from me is {$560.00}. I promptly called the number on the back of the card ( XXXX ) and was given the run around. AMEX will not refund me any money for the stolen/fraudulent transactions. I have called at least 8 times in the last few months and am given the same couple options : contact the vendor which is impossible since XXXX has no contact info and XXXX says they do not handle this kind of problem. AMEX customer service also keeps making promises of escalating the case and calling me back within 24-48 hours which they have never done. They did send me an email that says they have denied the case because they say I must have let another person have access to my card- which I have not done.
Product: Vehicle loan or lease

I have a Received letter in the mail for a car loan becoming repo that I never owned. Im reporting identity theft. I only have one car on my credit report which is my XXXX XXXXXXXX XXXX I pay my monthly bill every month with that car. I dont own anything else. I would like this negative inquiry removed off my credit report.
Product: Credit reporting or other personal consumer reports

Filed several complaints before for the unauthorized and misue of private information without resolution. 
Under 15 U.S.C. 1681 ( 4 ) ( Consumers Right to Privacy ) and 15 U.S.C. 1681 ( B ) ( Permissible Purpose of Consumer Reports ), I have the right to dispute and challenge the use of my personal information, particularly when no consent has been given for such use. The disclosure of personal, non-public information to nonaffiliated third-party agencies ( such as credit reporting agencies like XXXX, XXXX, and Experian ) without giving me the opportunity to opt-out, as described under 15 U.S.C. 16802 ( B ), violates my rights.

Using my personal information without my express written consent which can also be considered Identity Theft under 18 U.S.C. 1028 ( A ) ( Aggravated Identity Theft ).
Product: Credit reporting or other personal consumer reports

Company has information on my credit report that is not mine vitamin ID theft in! 998I never applied for a loan with them and they sent me a statement that is XXXX yrs old. STATUE OF LIMITION HAS RAN OUT. I WANT TO SEE ORINGAL LOAN DOCUMENTS WITH MY SIGNATURE ETC THEY NEVER SENT TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Product: Student loan

XXXXDear Citizen 's Bank : These are instructions given to me by XXXX XXXX XXXX for Citizen 's Bank:1. Citizen 's Bank need to file a claim in order for XXXX XXXX XXXX to investigate the students loans that Citizen 's Bank are alleging that me and my mother 's cashed or deposited at XXXX XXXX XXXX in XXXX and XXXX. 
2. XXXX XXXX XXXX has checked both : my mother 's account and mine and did not find any cashed or deposited checks from Citizen 's Bank. I, XXXX XXXX, did n't have an account with XXXX XXXX XXXX until XXXX and I closed my account in XXXX because of fraud happening to my checking account that I was cleared of the charges at a later date by XXXX XXXX XXXX. I can get XXXX XXXX XXXX to confirm this in number XXXX and they did check my mother 's account and they did n't find anything on her account relating to Citizen 's Bank student loans. 
3. This one student loan that Citizen 's Bank sent to me and my mother in the amount of {$15000.00} is fraud and the account number is not the same for me or mother 's accounts with XXXX XXXX XXXX. The Backsplash says XXXX XXXX XXXX and I highly doubt that in 2 or 3 days that a check can get to XXXX, XXXX from XXXX XXXX. Did Citizen Bank send the checks overnite through a shipping company? The check was disbursed XXXX/XXXX/XXXX and according to the date of cashed or deposited it was on XXXX/XXXX/XXXX and then below it says XXXX/XXXX/XXXX. 
4. XXXX XXXX XXXX will give Citizen 's Bank a reference number once the claim is filed. 
5. Please mail me the reference number, so that we can keep up with XXXX XXXX XXXX 's investigation. 
6. We are innocent and once that is proven, please write the {$35000.00} check to me and mother and have the check mailed to : XXXX XXXX - XXXX XXXX, XXXX XXXX ( we have been wrongfully punished for so long. ) I do not understand why Citizens Bank is not following the proper steps to dispute this claim with XXXX XXXX XXXX, we have repeatedly expressed orally and written to Citizen Bank that we did not cash or deposit these checks at XXXX XXXX XXXX. We have filed police reports and filled out ID theft affidavits and Citizen 's Bank still have not filed a claim with XXXX XXXX XXXX so that XXXX XXXX XXXX can find out where these checks were deposited or cashed within their Bank. What Citizen 's Bank gave to us, is a copy of XXXX check in the amount of {$15000.00} and it is fraud. This money did not go into my mother 's account or mine. 
Thank you and I look forward to communicating with you. 
CC : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXXXXXXXXXX {$3500.00} DEPTEDXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} XXXX {$160.00} XXXX {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HSBC has had authorization for Direct Debit of my mortgage for the past 13 years. 

HSBC made me a change of terms offer with unlawful terms, the details of which it failed to provide. 

I repeatedly and over a four-month period asked specific questions about those terms. HSBC refused to provide answers, directly or in response to CFPB filing. 

HSBC, however, stopped the Direct Debit on its own and then reported me as late, ruining my credit. This is unfair and unethical. My credit score fell by XXXX points as a result and it has remained low. HSBC, a {$200.00} billion-dollar company with record fines for financial abuse has apologized but this is not acceptable to this citizen of limited means who has been harmed by this corporation. HSBC has caused me considerable pain and anguish. HSBC must compensate me. CFPB must investigate this wrongdoing as it is consistent with its mandate and let me know the results. I am ready to provide any additional information needed for this investigation. 

I have repeatedly informed HSBC that the money that it failed to withdraw from my account has been in the account all along for HSBC, and it can withdraw it anytime it wants ; it does not need any additional authorization. If it needs me to take actions to fix HSBC error, HSBC must compensate me first. 

CFPB should be aware that HSBC knows of CFPB indifference to consumer complaint, and will play the game ( 1 ) will ask repeatedly for time to 'research ' the complaint, and then ( 2 ) respond with a meaningless and unresponsive letter which it knows CFPB website will forward to the consumer automatically and close the case.
Product: Debt collection

Please see previous complaints related to this account. 
In addition to the previous, they were allowed to garnish me even after the debt was Paid in Full. They have sent a Pif letter but they did not mention or send anything regarding my refund check from overpayment. It was paid XX/XX/year> but obtained a court date of XXXX to collect the funds. They owe me XXXX. My dispute was not investigated properly and I have submitted feedback on that already through this portal. Only one partial call was reviewed and the description of the call was not accurate. I want every incoming and out call from my number reviewed. I want the notes on the account reviewed. 
I WILL PROCEED WILL LEGAL ACTION AMD DEMAND FOR SOMEONE TO GET THIS REFUND TAKEN CARE OF IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries on my credit report are incorrect and do not belong to me. please have them removed from my credit report immediately XXXX Inquired onXXXX On record untilXXXX XXXX XXXX Inquired onXXXX On record untilXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, with an address of XXXX XXXX XXXX XXXX XXXX, Colorado began contacting me on XX/XX/2021 regarding debt that a company I am part of owes, and has been making payments on for 9 months. 
On XX/XX/XXXX, during the first phone call they made to us they were informed that we already had an payment arrangement with American Express, and had paid off more than {$45000.00} of an original {$60000.00} balance in a span of 9 months. 
The gentleman representing himself as a lawyer, stated multiple times that he was a lawyer, that we were lying, and our only option was to work with him. 
He was instructed not to call us again, then we disconnected the line. 
Between XX/XX/XXXX, and Today XX/XX/2021, XXXX XXXX XXXX has called us 17 times that we are aware of. 
Today, we answered the call, essentially had the same dictation that was had during his first phone call. 
Again, We instructed him not to call us anymore, and that we were paying American Express Directly. We also informed him that we would be reporting his harassment. 
We possess a signed agreement from American Express clearly stating our payment arrangement, and have been making payments toward the debt owed long before anyone from this office contacted me.