23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I inquired about a XXXX add for XXXX XXXX XXXX tickets. The " seller '' and I negotiated a price of {$500.00} for four tickets. I have a lengthy email correspondence documenting the exchange - to include screen shots of XXXX tickets as " proof '' the seller had them. On XXXX, the " seller '' and I moved forward with the transaction as to which I regrettably transferred the money via XXXX to an XXXX XXXX. Shortly thereafter it became clear that the " seller '' was never going to send me the tickets as I still have never received the four tickets. First, I immediately filed a dispute with my bank, USAA, as to which I was told I would receive some sort of response within 1 to 10 business days. I then made a XXXX request from the recipient of my XXXX transfer for the amount of {$500.00}, as to which the " seller '' has not accepted. Next, I filed a complaint with the internet criminal complaint center ( IC3 ). Today, XX/XX/2019, I received an email from USAA stating that the decision has been made that an error did NOT occur with this XXXX transaction. During the dispute analysis by USAA, USAA did not contact me wishing to see my email correspondence outlining and detailing this unlawful scam of consumer goods. USAA did not contact me during this process for ANY additional information whatsoever, for that matter, to aid in the decision-making of this fraudulent financial transaction. Nor did they contact me regarding any further steps that I may have taken on my own accord, nor did they offer any advice regarding my next steps financially. Subsequently, I filed a complaint with the Federal Trade Commission, which regulates XXXX and other online auction sites. I have since called USAA requesting any and all documentation regarding the dispute. The representative on the line claimed he would need to put in a request for such documents and is unable to see any steps outlining the decision process/conclusion. It was only after I threatened to contact the CFPB did the USAA representative offer to verbally disclose the documentation of my dispute analysis. I was told a copy of the document would be available in my banking profile online upon my request.
Product: Debt collection

XXXX has been trying to collect a sum of money from me that they state is outstanding as a result of a three-year service contract. I never engaged in a contract with XXXX. They have tried to shift a possible service contract that my deceased father may or may not have had with them into my name. My father died on XX/XX/2019. His estate has been settled for more than one year. This is the second credit bureau to contact me. There was one previous one contacting me. My attorney communicated with them directly and explained to them that I do not have any debt to XXXX whatsoever, and explained that they must stop contacting me. They did, for many months. Then, this new agency began to write to my father. The mail was returned to them indicating that he is deceased. About a month later, they, too, began writing to me. I am in receipt of a letter to me today indicating that I owe them money for an outstanding balance. Nothing has changed : I don't owe them money. I never entered into a contract with XXXX. My father 's estate has been settled for more than a year, and there is no evidence that he ever entered in a contract with them. There is no money going to XXXX -- EVER! They, and all collection agencies -- including the current one ( APELLES ), must stop harassing me, or I will take further legal action.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). This incorrect information includes wrong addresses, names, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. Inaccurate Information : XXXX : XXXX XXXX XXXX XXXX XXXX Address : 8 XXXX XXXX XXXX XXXX KY XXXX Equifax : XXXX XXXX XXXX XXXX Address : 8 XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address : 8 XXXX XXXX XXXXXXXX, KY XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit card or prepaid card

I opened a Credit Card with XXXX XXXX ( XXXX XXXX Credit Card ). The account was only opened for a few weeks before XXXX XXXX closed my account with no reason at all. This company should not approve customers if they are going to close the account weeks.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681 c-2 ) that you the TRANS UNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

When I asked about them needing my car title as collateral, I was told clearly that they would release the car title once the value of the car was paid off. 
The loan that I was approved for is a personal loan- $ XXXX above the value of the car, in order to pay off credit cards. I accepted the extra money in order to pay off my other debts. 
Now I am told that the full loan amount must be paid back before they will release my car title. 
So I was led to believe, and was reassured, that I can use my car which they have title of, to trade in for a nee car. 
Now Im told by OneMain that the $ XXXX loan must be paid in its entirety before I can get title for my car to do a trade-in. 
I have struggled and sacrificed to save XXXX to pay OneMain and went car shopping Only to find out that I cant use it as a trade in. 
The car is a manual and I have wrist and now XXXX XXXX  and need to buy an automatic transmission. I feel trapped in a vice and cry almost every day. I need help getting my car title and get these crooks exposed. Thank you for your time.
Product: Checking or savings account

i would like to formally file a complaint regarding the service I received at the Chase branch in XXXX, Massachusetts. I was extremely distracted and, while attempting to resolve a fraud issue on my account, I was surprised to be asked to leave the branch by the branch manager. The manager claimed that the branch is complicit in a fraud occurring on my account involving a company.

The manager refused to properly investigate the situation and instead asserted that the company involved was correct, completely disregarding my concern about the fraud on my account. This attitude left me feeling unsafe and unsupported as a customer, as the bank appeared complicit in the situation. 

I emphasize that the lack of an appropriate investigation puts customer information and funds at risk, creating an environment where it is impossible to trust the banks services. The response from the branch was unacceptable and made it clear that there is no concern for consumer protection. 

In light of this, I request that the situation be investigated immediately and that appropriate measures be taken to ensure that this type of incident does not occur with other customers. I also expect clarification on the branchs stance regarding this fraud case. 

I look forward to a formal response and resolution of the matter as soon as possible.

There is a camera recording of the way this manager treated me and the only employee who tried to help me works at the cash register but was stopped by the manager.

The same manager, instead of helping me solve the problem, left me alone, saying that she had a meeting and shouted at me. I just didn't call the police because I hate scandals. 

I would like the problem of fraud in my account to be resolved and especially that this manager with no attitude does not mistreat any more customers because I will notify the entire community of XXXX where I work about what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 deposited a paycheck that didnt have the signature from employer by accident the bank didnt notice and cleared the check, when they saw there was no signature they took the money back out of the account and it returned to normal balance. They claim they gave me a {$530.00} credit for check which is false because my account balance returned to normal after they took the {$530.00} back, they then claimed I overdrew at XXXX  but my account is set up for no overdraft protection so it would have been declined. Then they asked me when I was issued credit, I told them thats why Im calling because I never received a credit nor did i need one. Then they told me they're system shows different then what I can see on my transaction history and I am actually negative {$530.00} because of a system that they can see and I cant. That is no way to do business or help someone keep track of they're balance to have a different system that only they can see and not you Ive never heard anything like this in my life. I just want the money returned so I can have my account back to normal and no fees incurred because of they're negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SPOKE XXXX ON XXXX AND SHE INSISTED THAT I NEVER SENT MY ID OR OTHER VERIFICATION. I ATTACHED ALL THAT INFORMATION HERE AND ACCORDING TO THE LAW AS WELL AS HER THOSE ACCOUNTS WILL BE DELETED IN 4 DAYS AND XXXX AND XXXX XXXX XXXX REVERT TO NEVER LATE PAID CURRENT.Pursuant to 15 USC 1681 ( a ) Consumer reporting agencies have a vital role in reporting verifiable accurate information and must delete all inaccurate, incomplete information immediately upon notice from the consumer. Equifax has deleted and fraudulent without warning reinserted the following deletion is admission violating the 15 USC 1681c-1 pursuant to a direct request with supporting documentation FTC Police report evidence of fraud and are willingly violating 15USC1681c-1 and I am seeking damages for defamation and lost of creditability. XXXX, XXXX XXXX, XXXX XXXX  all have been reinserted and should be permanently removed. XXXX XXXX  XXXX confirmation of forbearance past XXXX where sent certified and confirmed receipt however pursuant to 15 USC 1681 ( d ) investigative report the profound evidence provided was unnoticed and deceptively never updated evoking Pursuant to 15USC 1692E False or misleading Representation and ( f ) unfair practices and defamation
Product: Mortgage

I applied and was preapproved for a mortgage with American Pacific Mortgage group in XXXX or XXXX. They provided misinformation advising that my XXXX money was never and would never be in jeopardy as long as they issue a denial letter. We scheduled closing more than 4 times and completed XXXX amendments with the sellers keeping the home off the market for over XXXX months. We terminated the contract as of XX/XX/2022 due to their underwriting issues and the seller not being willing to wait any longer. At which time the mortgage company advises that I will not get any of my money back even though the denial was no fault of my own. I requested to pull out of the contract several times through the process due to their underwriters getting upset with me for contacting their offices. They knew I am a first time home buyer. I wasn't aware I am not allowed to contact their office. Instead of telling me they decided to punish me by drawing out the process. There is no reason it should take them over XXXX months to underwrite a loan when are being provided all requested documents in real time. The broker later advised my realestate agent that the initial loan officer was taken off the loan processing due to him accidentally leaking the underwriters information and the underwriters decided to " punish '' me this way and probably in causing me to lose the home I was under contract for also. This was a nightmare of an experience for a first time home buyer. I attached the communication between myself and the broker as proof of my complaint.
Product: Mortgage

PHH Mortgage charged us via escrow account a monthly amount for unneeded forced place insurance. Upon review of the documents provided by the previous lender, it clearly shows that notification for insurance declaration pages did not arrive to us and instead were returned undeliverable to the lender. Had we known that those pages were required we would have sent them immediately. We have now provided PHH documents that prove that we did indeed have our own insurance during the period in question, but they still refuse to refund us our money. I am requesting to escalate this right away as this misunderstanding was not our fault but PHH fault for not reviewing documents when they bought this loan from XXXX.
Product: Credit card

I had a Discover credit card that was charged off XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX from the IRS saying I owe taxes on this credit card that was supposedly a XXXX Cancellation of Debt '' from XX/XX/XXXX. I now am having to fight the IRS on a problem that is way beyond what I have read to be the statutue of limitations on a debt. I did not ever receive a XXXX from Discover Card, so I would have no way of knowing to put that on my taxes even if it was not too old.
Product: Mortgage

In XXXX I entered into a loan agreement whereon the interest was 16 %. Due to the fact that I was a victim of the downfall real estate market - this was the only loan I could obtain. It was essential I hold onto my home. In XXXX I attempted to obtain loan modification which took 3 years to effectuate. Now in my senior years I have attempted 3 times to lower my interest rate to no avail. I live on social security : my mortgage is {$1000.00} ; my coop fee is {$660.00}. ONCE AGAIN XXXX TURNED ME DOWN. XXXX TOLD MY MORTGAGE CO. I HAVE TOO MANY RATIOS. I AM CLOSE TO XXXX ; NOT IN THE BEST OF HEALTH AND I AM SAD THAT THIS COMPANY DOES NOT LIKE SENIORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank has reported inquiries in my credit report ; but I have not applied for a credit card with them recently. A few years ago, they suddenly closed my Southwest Card ( for no given reason ), so I do not see a circumstance that I'd be willing to open a Chase credit card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCT XXXX XXXXXXXX  I'm writing to you regarding discrepancies I found on my credit report. 
Why is this account being report with 2 different dates of last activity on the 3 major credit reporting companies also different dates of opening the account XXXX reporting open account and 120 days late, XXXX and Experian reporting past due amounts this is a violation of FCRA and also in violation of requisite METRO 2 complaint reporting standards. 
by the provisions of the FAIR CREDIT REPORTING ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 compliance regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted Experian, XXXX, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX  on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please confirm with IRS this is my last XXXX for employment. I was laid off on X/XX/2009. The Social Security Administration have this information on file with my social security number. My employer was XXXX XXXX XXXX XXXX XXXX. Their ein number is on the 2009 XXXX I sent in the attachment.
Product: Mortgage

I purchase my house on XX/XX/XXXX, my first payment was due XX/XX/XXXX I signed up for the auto pay for the XXXX of every month, XX/XX/XXXX pass the money was still in my account I had to mail in my payment they charge me a late fee, before closing I chose XXXX XXXX XXXX and someone switch my company I complained about that and I got a refund my mortgage payment is set up all included house {$560.00}, mortgage insurance {$73.00}, escrow {$210.00}, {$850.00}, monthly so when I got my refund from the insurance company I purchased XXXX XXXX homeowners insurance out of my pocket not included in the mortgage payment my mortgage payment should be {$700.00}, LOANCARE LLC, is  charging me {$850.00}, and taking my money out of my escrow account every month and I get threatening letters, falsely accused like I 'm two months behind on my mortgage payment delinquent notice every month and they charge me late fees and Its on my credit report {$110000.00}, I have contacted them by phone numerous of times they say one thing on the phone and then here comes the mean letters my mortgage was sold to this company and they said they 're taking my escrow money for homeowners insurance I have insurance.