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

i made an online purchase from XXXX, XXXX BLUE BAG {$1900.00}. I never recieved the item. I called XXXX and they insist that it was delievered by XXXX. I did not recieve anything. I was at work at the time that XXXX website says it was delievered and signed for by XXXX. XXXX would not open up a dispute or investigation for the matter. When tried to view the signature on the XXXX website for proof of delivery, it would not show me anything. When I asked XXXX to show me proof, all they said was not possible sir. Ok, so i contacted Chase Credit Card services, explained the situation and filed a dispute. Chase gave me a temporary credit for the charges. Couple weeks later, chase re-charges me the full amount and sends me a letter saying that XXXX provided following documents that proves you recieved the item. Chase closed the case and recharged me. Chase sent me a document that was sent by XXXX. It is the purchase order along with a screenshot from XXXX. XXXX provided what they consider " proof '' of delivery. It shows a signature box and that is all. In the signature box it says XXXX all over it and a thick dark circle line. XXXX claims it is signed for by XXXX. There is no other documentation or record of this individual. In the signature box it does not say XXXX and you can not make out what it says. It has XXXX written all over the signture section, does that mean that the FedEx courier signed it? Also, it says " Indirect Signature Required '' on the XXXX section which means that someone else outside my residence can sign but why?? Why would XXXX allow anyone else to sign?? There is no doorman or mailroom in my building. ALSO, on the XXXX XXXX purchase or it says " Delivery Signature Required ''. So XXXX did not recieve a DELIVERY SIGNATURE as they indicated a " Indirect Signature ''. I have attached the document sent by XXXX. Also, when i called chase to ask how in the world did they side with XXXX, all they said was i had to write this in a letter and send it back. I did that and Chase denied by request to investigate further. Just doesnt make sense, there is no individual called XXXX, the signature does NOT say XXXX, there is no record if an ID was taken, and the delivery requirements differ from the merchant XXXX & XXXX. As XXXX requested a " Delivery Signature '' & XXXX showing " Indirect Signature ''. If an indirect signature is recived than that means the item was never actually delivered to the intended. Please help me, how am i to pay for a {$1900.00} charge and have no product??!? thats insane!!!
Product: Vehicle loan or lease

The lender settled a 34 state lawsuit for unfair lending practices. 

I've tried several times calling and speaking to representative with the company with no help at all. No answers at all. 

When I got my loan I was under extreme pressure by the car dealer to take the loan from Santander to purchase my vehicle. I was never notified that Santander didn't use my credit score they used an Unknown Internal Score to give me the loan. 

I believe that was unfair because I was never actually given the opportunity to know if other lenders would offer me a better interest rate. I was also told by the dealer that I had already committed to the loan and that I couldn't stop the process.
Product: Student loan

I am in the process of buying a home and the lender, XXXX XXXX, notified me that there was an issue with an item on my credit report involving Navient/XXXX XXXX. In the explanation to XXXX, I advised that I co-signed for a loan for my son back in XXXX with XXXX XXXX. My son graduated in XXXX. 
At that time, he began sending XXXX XXXX money, even though XXXX XXXX had not sent him any paperwork or statement regarding the payback amount. He called and called and called and kept being referred to different people who would say they ca n't find the account, you need to talk to so and so, and would get this same response with each person he talked to. 
He has continued to send them money since XXXX, of which we can produce copies of his bank statements showing the payments. Navient/XXXX XXXX charged off this loan in XXXX, which is now on my credit report and his. 
At no time did NavientXXXX XXXX contact him or me. They have not verbally or in any written form inquired/requested payments, inquired about no payments being received, nor did they notify either one of us by any verbal or written documentation that the loan was being charged off back in XXXX, however they continue to accept his payments. Additionally, after looking at the credit report from XXXX, I see that they have continued to add interest to the loan. If the loan has been charged off, how can they continue to accrue the interest. This is definitely bad faith practice. Because of this being on my report, and where I am trying to get a USDA loan for the purchase of a home, this issue very well may prevent that.
Product: Debt collection

I have made several attempts, to National Credit Adjuster to have there agency to Delete from all 3 Credit Reports. On XX/XX/2021, I received a letter from XXXX, stating that they had Deleted National Credit Adjuster off my Credit Report. Come to find out that NCA continues to report to XXXX on the XXXX and The XXXX of the month, That's FRAUD! When speaking to someone there, they first reported that they report to XXXX, not XXXX not XXXX. Next thing I Know, All three are reported. NCA, also said that It's up to the Credit Bureau to delete not NCA, because of there Policy. I emailed the CEO XXXX XXXX many times he never contacted me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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Product: Money transfer, virtual currency, or money service

XX/XX/2022 received a text from my bank ( Chase ). Chase Bank alert. Did you attempt {$2000.00} ( pending ) XXXX payment. Reply YES or NO. I did not even have a XXXX account so of course I replied XXXX. Soon after I received a call from what I believed to be a Chase employee. He had me open a XXXX account and transfer {$2000.00} to myself. Then he had me wire {$8000.00} to a women he claimed was the case manager.I have all of the information. Name, transaction numbers. I have all the texts as well. I filed a fraud claim with Chase the same day. Today I received a letter stating that because the transactions were authorized they were not going to update my account at this time. I can email all of this information to you. I'm very upset as you can guess. I will not give up until I am compensated. Chase failed to warn me of these scammers. In doing so I believe they are responsible. Please help. Thankyou. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure that you get a lot of unsubstantiated vague allegations, and I apologize for adding to the pile. However, as a matter of justice, equity, and transparency, I must complain about the how the credit bureaus act arbitrarily, unfairly, and I suspect in discriminatory ways. 

I recently have had the good fortune of being able to pay down {$10000.00} of my credit card balances. My score had dropped because I had high credit utilization ( which makes sense ). In an effort to reduce my credit utilization, I made extraordinary efforts to find a way to reduce my debt by {$10000.00} in less than 3 months. As I result, I have seen a significant drop in my credit score, which is illogical. When I researched why this could happen, I found an abundance of credit industry crafted marketing material masquerading as informal opinion about why a drop could occur. 

1. I ask that the CFPB investigate the credit bureaus to inquire as to why and how they drop credit scores when revolving debt is paid down ( since the information is proprietary ).

2. Require credit bureaus, financial, credit, or lending industry assn 's, and others to disclose that they are providing advertising information and not objective information when they seek to provide credit information and often suggests that the way to improve your credit score is to seek additional credit, which is very convenient for them. ( there are 1000s of industry written opinion pieces that conceal a clear conflict of interest ).

3. I also ask that you investigate how the 3 bureaus use an individual 's gender, race, or information that can be used as a proxy for race ( e.g, zipcodes ) to determine credit scores and to what extent they account for documented XXXX bias in the financial services industry In general, I think the credit bureaus essentially act like a government actor in that they have the ability to prevent your access to finances, educations, homes, and jobs, yet they don't seem to be regulated and they are not required to provide consumers with any transparency about their decision making. In addition, consumers subject to their determinations, without ever formally opting in with the credit bureaus, so consumers have no standing or recourse to get any information from the credit bureaus. They are also notoriously hard to get basic customer service information from as many will not even take phone calls from consumers. 

Americans should not be subject to an all-powerful, private entity without any safeguards against overreach, or any formal public oversight that regular demands that the bureaus provide transparency. Also, I have grave concerns about bureaus funded by the financial service industries and wonder what measures for independence are in place. 

Apologies for any typographical errors. I appreciate your consideration although I understand that this is the type of case that you willl likely dismiss on its face. I want the historical record to show that Americans complained and sought assistance. 

Thanks for your hard work.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX   have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Money transfer, virtual currency, or money service

I found on    XXXX    that  3  payments of  255  were sent to the wrong account. I orignaly setup online payments to go to account nick named   XXXX   XXXX  . I was informed that only  2  payments were sent to this account before the account changed to a  XXXX   XXXX  nick name and the money was going to a different account. The amount is for  XXXX  and I received a credit on  XXXX / XXXX /  XXXX  .  XXXX   XXXX  did not keep me updated on this case and I had to call weekly to get an update. I finally called again on Sunday to find they denied my claim. I was told that they denied it because the issue occurred in the same geographical location I live in and the same  XXXX  address. This is not a valid explanation and I let them know this. I work with IT and know that people can spoof networks and  XXXX  addresses with ease. I asked to be escalated once the agent I was talking to refused to provide me additional details about this case, give me access to my online account ( so I could see the transactions and research my self ) and they refused to help me further. I was escalated to an agent who called himself "  XXXX  ''. "  XXXX  '' refused to give me a last name and claimed it was Chase  XXXX , however every other agent up to that point gave me their full name ... This agent was abusive and rude the entire call.  XXXX  told me it is my fault and that i need to see what my money is doing at all times. This is an interesting statement as I am limited in what I can see. This agent, after berating me for  XXXX  minutes and refusing to help, hung up on me. I have been reasonable and tried to work with  JP   Morgan  Chase but they are refusing to work with me. I spoke to wells fargo who the money went to and they told me the only thing I could do was ask the account holder to look into this on their end with the reference numbers seen below. They did suggest however that I ask Chase to do a  XXXX  on the transfer and that this is somthing  XXXX  does all the time with Chase. When I asked Chase to do this they refused. When I asked to speak to another agent, Chase refused and hung up on me. I fell completely helpless and taken advantage of by this bank. I do not have a lot of money and  XXXX  is a LOT of money to me. Please let me know any information you need that I  may  have forgotten. The claim number for this with  Chase  is :  XXXX .   My name :  XXXX   XXXX   XXXX  Phone :  XXXX  Email :  XXXX  XXXX  XXXX  Below are the transaction dates, amounts, transaction number and reference number for  XXXX   XXXX .    XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX  To  XXXX   XXXX  :  XXXX   XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX  To  XXXX   XXXX  :  XXXX   XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX    XXXX   XXXX   :  XXXX
Product: Debt collection

XX/XX/year> was told by I.Q data that I owed XXXX for move out fees. I reached out to XXXX and they sent me a copy of the ledger showing the breakdown owed and it was XXXX on XX/XX/XXXX. I explained to them I.Q data was requesting a different amount. They sent a copy to I.Q data again XXXX of 2023. I made several phone calls to I.Q data and they would not give me any information about my account. I asked to get copies mailed to my XXXX XXXX XXXX they said they don't send paperwork to XXXX XXXX XXXX. I disputed this with XXXX and XXXX and won. It was changed to the XXXX for XXXX weeks then I got a notice I.Q data submitted the same balance owed of XXXX and the bureaus changed it back to that amount. I went by XXXX again in XXXX and they told me on XX/XX/XXXX they sent I.Q data an email asking them to work with me or give them the account back but I.Q data never responded until XXXX of 2023 when I threatened them with a letter of intent and cease and desist all collection activity. After I threatened them with legal action they threatened me and told me they were going to go after me once the balance was corrected.
Product: Debt collection

Mother informed today XX/XX/2019 that the company PDM located in Florida called her regarding a debt for me. This company has previously called leaving messages sometimes or just calling with no message as to who they are and the matter. 

I called the company today to inform them to stop the calls to me and my mother and I would only like mail correspondence. The rep, XXXX XXXX, said okay and gave the explanation of how it would effect my credit which is fine and I told him I understand and to mail the statement. He continued to go on about taking care of it now and I told him AGAIN to mail it to which he responded " That's stupid I don't understand how that makes any sense, good luck. '' I don't care what he thinks but professionally that is not how you speak to anyone.
Product: Credit card or prepaid card

I've been banking with Netspend for several years. I called in on XX/XX/18 to dispute a charge. Next thing I know my account is closed and funds have not been issued to me. This has caused many bills in my household to go unpaid and accumulate late charges. Called in to check the status of my refund only to be advised that it was not complete and need 10 days to complete. NOT ACCEPTABLE. This is altering my livelihood and causing more damages than one person can handle.
Product: Credit card

On XX/XX/XXXX I paid off my statement balance completely. The company is currently charging interest on the balance that is charges in the current statement period. They said they are charging interest because I havent paid off my statement balance for 2 months in a row. Prior to recently I have always paid my balance in full each month, but because in XXXX I had a balance that didnt get paid in full even though I paid off the entire balance by the XXXX statement close date they are now charging interest on the purchases made after XX/XX/XXXX, computing charges based on an average amount of balance from the prior month. I called them to request that they waive the interest on this and told them that I was not aware of this policy and that I find it unacceptable to be charged interest for a balance that was already paid in full. This is crazy. Please take action to stop this abusive predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account Name XXXX 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 card

the subsect used to work for me he hade accesses to all my financial information also to my personal and businesses information like my he stole old drivers licenses and SSN card also all my locations XXXX numbers I Have a restraining order against him because he vernalized my cars sending my XXXX threats and broke in to my store I Believe he applied for the 11 accounts for business XXXX XXXX cards using my information without my knowledge Last 4 digits of the accounts XXXX its showing on my XXXX business report for the location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I owe over XXXX they charge a high interest rate and won't allow for a lower rate and they only allow a minimum of XXXX which I paid before the due date of the XXXX. This time I sent XXXX today Saturday the XXXX. it seems my interest is the problem and they won't lower it.
Product: Debt collection

This is a XXXX XXXX account for about {$3000.00} taken out in my husband 's name by his ex wife for her ( not his ) son after they were separated. We finally got XXXX to investigate and verify that he had signed nothing, had n't used the account for himself/was n't on the account, and actually has never even been to the place where the credit was issued and used. So they sent us a letter saying yes they investigated and that it was found in his favor, he no longer owed the debt it was going to be taken out of his name/off his credit report. That 's good, but Midland Credit Management, the collection agency handling it, even with that letter from the credit issuer is refusing to stop trying to collect this from us or to take it out of his name and has it on his credit report and wo n't take it off. I have sent them a copy of the letter from the creditor and they said they just wo n't recognize that letter as valid proof and they do n't care what XXXX says because they are " no longer in the picture '' on this debt, that it belongs to MCM now. Can they do that? They know it 's been released by the original creditor as not being valid and taken off the credit report by them but they just do n't want to acknowledge that so they are n't going to do the same??? They said there is n't a police report about it so it does n't matter if the original creditor says it 's fraud. That does n't seem right. I have tons of this stuff to deal with and I am not filing a police report on his ex. They have kids together, she 'll lose her job. I 'm just not doing that, they signed her up for it let them get it from her. I should n't have to. You should n't be able to issue XXXX in credit without someone 's permission. The proof MCM kept sending us and 'verifying ' this debt to the credit reporting companies was XXXX statements showing the card had been used for that total. Well of course it was used. Who would take a credit card out in someone else 's name and NOT use it. In other words they can verify a debt with any random paper they feel like. Is n't that just totally in the favor of the debt collectors? They need to start making these things have a signature, like they use to do. They should n't be able to issue credit /loans in just anybody 's name with no due diligence at all about whom they have issued thousands of dollars of credit and then it 's your problem to find a way to get it taken out of your name or pay it. How about they have to make sure it 's YOU to begin with or they ca n't collect it from YOU since they are the one 's passing out money willy nilly? How about that?
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX