23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I received a voicemail from Home Depot Citi Card Fraud regarding a suspicious charge of {$490.00} on my Citi card ending in XXXX. I promptly called them back and confirmed that I did not make this purchase as I was at work at the time. The representative assured me that the transaction would be removed and a new card would be issued, which they followed through with. 

However, in XX/XX/XXXX, I noticed that the disputed transaction reappeared on my statement. I contacted Home Depot customer service and was informed that their investigation concluded that the card was physically used at the Home Depot in XXXX XXXX, located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Time of Purchase : XX/XX/XXXX, at XXXX am Despite my report, Home Depot reinstated the charge. 

To resolve this, I personally visited the Home Depot store in XXXX XXXX and spoke with a manager, providing my ID for verification. The manager informed me that they no longer had the camera footage from the date of the transaction but provided me with a receipt for the purchase. 

Item Purchased : Item : Dewalt Framing Wall Item Number : XXXX Amount : {$490.00} I took the following steps to dispute this charge further : XX/XX/XXXX : I visited the XXXX XXXX XXXX at XXXX XXXX  to attempt to file a report again. 
XX/XX/XXXX : I visited the XXXXXXXX XXXX XXXX at XXXX XXXX  to obtain a copy of the report. 
XX/XX/XXXX : I received a call from the detective stating that the report was ready. The detective mentioned that they were unable to investigate further because Home Depots camera footage is only retained for XXXX months. 
Throughout this process, I have filed disputes with Home Depot on XXXX separate occasions. This situation has caused me a significant amount of stress and concern. The amount of time I have spent with customer service, visiting the police department, and attempting to resolve this issue has been substantial. 

Despite my efforts to prove that I did not make this purchase, including filing a police report and submitting a copy of the receipt and my ID, Home Depot has refused to remove the charge. 

Supporting Documents : Police report ( attached ) Copy of the receipt from the transaction ( attached ) Copy of my ID ( attached ) Correspondence with Home Depot regarding the dispute ( attached ) Desired Resolution : I am requesting the CFPB to assist in having Home Depot Citi Card permanently remove the unauthorized charge of {$490.00} from my account and ensure no further actions are taken against me for this fraudulent transaction.
Product: Vehicle loan or lease

Moved to XXXX on XXXX and notified Ally Auto about move, Ally then improperly applied 10.25 % taxes to our bill even though the lease was initiated in XXXX and per the definition of a " retail sale '' the tax does not apply to : " Sales of tangible personal property which property was purchased or acquired by a nonresident prior to coming into the District and establishing or maintaining a temporary or permanent residence in the District. As used in this subsection, the word residence means a place in which to reside and does not mean domicile. '' The sale is determined when initial possession took place at the beginning of the lease : " Sale and selling mean any transaction whereby title or possession, or both, of tangible personal property is or is to be transferred by any means whatsoever, including rental, lease, license, or right to reproduce or use, for a consideration, by a vendor to a purchaser, or any transaction whereby services subject to tax under this chapter are rendered for consideration or are sold to any purchaser by any vendor, and shall include, but not be limited to, any sale at retail as defined in this chapter. Such consideration may be either in the form of a price in money, rights, or property, or by exchange or barter, and may be payable immediately, in the future, or by installments. ''
Product: Debt collection

I have received more than 70 calls from Wells Fargo since XXXX XXXX they call on Sunday through Saturday all hours of the day it is very annoying and interrupting. I do understand that i am late on my house payment but this is in clear violation of FDCPA regulation please see FDCPA 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. If needed I can send my phone bill as a supporting document to show how many times this happens in one day 7 days a week
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

There is a fraudulent collection account reporting on my credit. Despite attempts to contact the collection company ( harvard collection ) and informing them that this is NOT MY ACCOUNT, they continue to report on XXXX. Please suspend any further reporting and collections on this account
Product: Credit reporting

I have written Transunion for help but to no avail. XXXX XXXX # XXXX is showing in the payment history as a recurring chargeoff/collection. This is inaccurate, it was a repossession.
Product: Mortgage

I Have contacted NationStar Home Mortgage XXXX XXXX XXXX Mortgage ( NMLS # XXXX ) at least 7 times over the past 6 months to request 1098 interest info for 2016. I requested copied of these docs over and over. They acknowledge the request but nothing is ever sent. My Address is verified and is correct. Escalated complaint to manager, XXXX, XXXX, who apologized profusely for the the situation. I left her two more messages. My Calls were never returned and nothing was ever sent.
Product: Debt collection

This is my third complaint against Commonwealth. Their response to the most recent complaint about this alleged debt is not satisfactory for me. They have not proven solid validation of this alleged debt. I told you guys this alleged debt was reporting with XXXX XXXXXXXX XXXX XXXX  back in XX/XX/XXXX along with reporting as a debt for Commonwealth on my credit report. You claimed that your client XXXX XXXX  verified that you were the only company with this alleged debt. However, I reached out to XXXX XXXX in XXXX, and they responded with written notification to remove the debt from the bureau because it was actually reassigned to XXXX XXXX which is their " sister company ''. XXXX XXXX is a " XXXX XXXX XXXX XXXX '. XXXX XXXX is not a " CREDITOR ''! And has not ever been in any type of business with me. According to title 15 USC 1692a ( 4 ) The term " CREDITOR '' means any person who offers or extends credit creating a debt or to whom the debt is owed, but such terms DOES NOT INCLUDE ANY PERSON TO THE EXTENT THAT HE RECEIVES AN ASSIGNMENT OR " TRANSFER '' OF A DEBT IN DEFAULT SOLELY FOR THE PURPOSE OF FACILITATING COLLECTION OF A DEBT! XXXX XXXX bought this alleged debt from XXXXXXXX XXXX XXXXXXXX XXXX who was the XXXX XXXX Agency who bought this alleged debt from THE TRUE ORIGINAL CREDITOR " XXXX XXXX XXXX XXXX ''. The original account number for XXXX was XXXX. Then when XXXX XXXX  XXXX obtained it the account number for them was XXXX. And now the account number with Commonwealth and XXXX XXXX through XXXX XXXX is XXXX. This alleged debt has been floating around from one collections agency or debt buying agency to the next since XXXX! I asked for the ORIGINAL contract and bill for services rendered from the Original Creditor. And what I received from Commonwealth was fraudulent documentation from XXXX XXXX as the current creditor when it should say current " debt buyer '' or " collection agency ''. Commonwealth stated and I quote " We obtained Verification of this Debt ''. They claimed to have met the standard of verification of the debt and that they are in full compliance with the FDCPA and the FCRA. Commonwealth claimed they sent me an itemized billing statement but what I received was XXXX printed up by XXXX XXXX. This bill is not from the original creditor. This alleged debt has not been Validated. In the attempt to collect this alleged debt Commonwealth has violated my consumer rights and is in violation of the FDCPA. You will find an invoice of every violation committed by Commonwealth per FDCPA. pay for I want this alleged debt to be removed immediately off all my reports and it should not be sold or transferred to another collection agency. And please make check payable to XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fax number to reach XXXX either directly or though Factor Trust ( a wholly owned subsidiary of XXXX  ) is no longer working. 

I called and was unable to get through to a live rep at XXXX however I have spoken to a representative at Factor Trust and they state the no longer accept information by fax as it states on their submission page here : https : //www.factortrust.com/Consumer/ReportRequest.aspx They have stated that the only way to provide documentation now is by mail. 

I'm a member of a large consumer advocacy group and we are seeing 100 's of complaints by consumers whose letters and disputes to the bureaus are going unanswered. 

Faxing a letter is the best way to hold the bureaus accountable next to mailing the letter certified mail which costs upwards of {$5.00} that many of us don't have to squander. 

The Credit Bureaus should be required to maintain all viable means of communication. 

And when nearly a quarter of the population does not have access to reliable internet, fax is the only reliable means to send information quickly with proof of confirmation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of multiple laws set forth by Congress in regard to two ( 2 ) following account # 1575. 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, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX XXXX for the cancelled debt of { { {$23000.00} } } in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXX XXXX XXXX XXXX writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with nonaffiliates. XXXX, Equifax, and XXXX not an affiliate of XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

This is an email I sent to Kohl 's Manager, who responded via letter that she wouldn't change the mistake. 

I'm reaching out today with great disappointment as I've had to close my XXXXyear-long Kohl 's account due to an unfortunate misunderstanding that I received no assistance with. In XXXX, I set up autopay for my recurring bills through my bank, which was successful. Encouraged by this, I added my credit cards in XXXX, given my father 's illness and my frequent hospital visits to care for him, making bill payments a challenge. 

However, in XXXX, my bank account experienced a bounce, prompting me to investigate unauthorized transactions. My bank promptly closed the account, requiring a two-week wait to reinstate everything. Consequently, my Kohl 's payment scheduled for autopay via XXXX didn't go through. While I typically trust this system and didn't manually verify the payment, I've had no previous issues and other bill payments went through without a hitch. I never anticipated this glitch with Kohl 's. 

Surprisingly, Kohl 's didn't reach out until my payment was 30 days overdue. I immediately settled the payment and attempted to dispute the credit reporting. Despite my longstanding positive history with Kohl 's, the representatives and managers stated that the bank fraud incident wasn't their concern and that the credit report would stand as is. 

My diligent efforts to maintain good credit have been tarnished by a situation beyond my control. I was vigilant in making the payment as soon as I realized it hadn't been processed by the bank. Since then, I've been proactive in making timely payments. Given my consistent record of timely payments, it's disheartening to think that this isolated incident could impact my credit report for the next decade. I'm kindly requesting a thorough review of this matter. Please advise on any further steps necessary.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] HIGHEST BALANCE {$810.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ___________________________________________________________________________ [ XXXX XXXX XXXX XXXX ] Highest Balance {$130.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ____________________________________________________________________________ [ XXXX XXXX XXXX ] Other {$760.00} Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ______________________________________________________________________________ I request that you provide me with validation of this debt as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Additionally, I want to bring to your attention potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ). Medical collections are subject to strict privacy regulations, and I believe that this collection may have been reported in violation of my rights under HIPAA.

As required by law, you must provide me with the following : Proof of Debt : I demand a complete validation of this alleged debt, including a copy of the original contract or agreement that shows I am legally obligated to pay this amount.

Account History : Provide a detailed account history, including all payments made and any documentation that substantiates the validity of this claim.

Creditor Information : Identify the original creditor and provide their contact information.

HIPAA Compliance : Explain how you obtained my medical information and confirm that my rights under HIPAA have been upheld in this reporting.

You have 30 days from the receipt of this letter to respond with the requested documentation. If you fail to provide this validation within that timeframe, I expect the immediate removal of this collection account from my credit report, as it will be considered unverified.

Please be aware that any further reporting of this collection without proper validation, or any disclosure of my medical information in violation of HIPAA, will be seen as a violation of my rights and may result in legal action.

I expect your prompt attention to this matter. All correspondence should be sent to my address listed above.
Product: Money transfer, virtual currency, or money service

On Saturday i was using cash app and my transaction was canceled for security purposes. As of today the money is still not in the bank and the transaction is still pending. This would not have been such a big deal if i had disposable income but unfortunately this left me not able to buy groceries or do anything over the last 5 days. So I'm not really sure if this is a cash app issue, a bank issue or? But if money can be taken from a consumers account immediately then why is the reverse an issue? And if this was a security issue then maybe the money should not have been taken in the first place.
Product: Credit card or prepaid card

Fraud complaint on XX/XX/XXXX first unauthorized payment was XX/XX/XXXX my claim was denied appealed it on the XXXX and just got information it was denied again XXXX I think but definitely XXXX
Product: Student loan

I have student loans through Mohela. Under this company I placed an application for the save plan about 6 months ago. Secondary to the injunction placed, the application has been put on hold and they have begun requesting payments. With that they have a temporary way to place accounts in forbearance for 60 days to give time for application processing. I had done this twice but when further questioning the process I was told that I did not have to call and this would automatically be placed. This was concerning because after 60 days went buy mohela emailed me again saying my payments are due. So I took the time to call and I notice in the recording of the customer service call line it clearly states to ignore these bills as they are false. That being said I waited, trusting that when the due date came it would automatically be placed in forbearance. At the due day however that did not happen, my account went into past due. Based on this, I started calling the customer service starting with the call back option that is offered which never occurred. The next day I called again with an estimated wait time of 84 minutes and waited for about 3 hours in which I got connected to a customer service rep that agreed my account should be in forebearance but they had to transfer me. They transferred me to and I stayed on the phone another 4-5 hours until it was late at night when the call disconnected. I attempted a few other times between there where I could never even get to talk to the first person because the wait time were so long. I finally was able to get through the process in which I talked to 4 different reps, who were able to place my account in forbearance. I finally asked for a supervisor to talk about the poor quality and concerns about collections. The supervisor said that yea there recording says ignore your bills but she advised against that because if I would have listened to that recording and 90 days passed that I would have been at that time reported to credit companies and it would have impacted my credit. She also told me that there is nothing she can do to fix my account because this isnt a perfect world and that many other people are also not properly getting placed in forbearance. She also said there is nothing she can do about being on hold for 15+ hours yet again its not a perfect world. All this being said, this is worrisome and questionable collection practices. I am very worried by the fact that I would have had a ding on my credit if I would have listened to my lenders customer service line to ignore my bill. I am also highly concerned that my ability to get my questions answered about what is going on and fix it took me 15+ hours. A collection agency such as Mohela needs to be held to higher standards.
Product: Checking or savings account

I've been trying to get Chime to unsuspend my account for weeks, they said my social security was not the same as on the IRS, I had atleast XXXX dollars in my savings that I can not access, I sent them the W-9 Form and my valid ID like they asked and still nothing!
Product: Money transfer, virtual currency, or money service

At the beginning of XX/XX/2022 I received a check from XXXX XXXX which is a XXXX XXXX XXXX XXXX. They went out of business so they sent me a {$21.00} check and I deposited it at XXXX bank and when Bank of America went to cash the check Because they are the issue were of the {$21.00} check account for XXXX XXXX XXXX they bounced the check to XXXX and falsely claimed the check had been altered, I have proven to them through statements from the bank saying that I would get {$21.00} back along with emails from the bank showing my statement of {$21.00} owed to me so I have proven that the check is in fact valid XXXX intern closed my account the day my XXXX was deposited and I have no way to get my entire month salary because I live three hours away from the nearest XXXX bank and they wont give me back my money theyve locked up every cent I have and I have locked up my Social Security as well because Bank of America made an error or lied about a {$21.00} check so Bank of America also owes me {$31.00} for the amount of the original check plus {$10.00} and XXXX fees. They also are liable for any late charges that I may incurred due to my Social Security just being missing now because XXXX decided to close my account based on Bank of Americas word that I altered a check. So this complaint is actually against both XXXX bank and Bank of America