23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I noticed that someone stolen my identity back in XX/XX/XXXX and tried to open the credit card with Home Depot. The credit card was issued by Citi Bank, which is working with Home Depot for their store credit card. I don't know why Home Depot/Citi Bank did not stop this from happening, and this person spent a lot money using this credit card under my name. 

I found out very quickly, and I called Home Depot to get this fixed just a week after this person opened this credit card, also reported to the local police. The police came to my apartment and collected all data I can provide to them. Then Home Depot fraud department confirmed with me over the phone that they have this handles and I am not liable for any of the money spent from that credit card. They told me I do not need to do anything, but just wait. If they need further information, they will contact me. I provided all my contact information to them so that Hope Depot fraud department can find me if they need further details. And I never got any message or follow up from the police or the Home Depot fraud department. 

Then this week in XX/XX/XXXX, a guy from Home Depot credit card department called me and asked me to pay the credit card because their fraud department is showing this case is still 'Pending ', and they do not have a 'Solid proof ' that this credit credit is not applied by myself. I told him that this is identity theft, and I already reported to the police and the Home Depot fraud department about this. But still, this guy from Home Depot still said I am liable for this bill.
Product: Credit card or prepaid card

Company is not fairly or timely addressing my disputed transaction. Specifically, American Express appears to be procedurally biased in favor of the merchant, is not acting on my submitted documentation, and therefore may be in violation of the letter and spirit of the Fair Credit Billing Act.

Please see my detailed explanation of the situation and my concerns, attached with this complaint.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Scottrade provide me with the information I requested on how to file arbitration. It was previously brought to Scottrade 's attention that the arbitration agreements with Scottrade Brokerage and Scottrade Bank are mutually incapable, thus I sought clarification on the specifics, as well as requested instructions on how to file a dispute. Scottrade has refused to respond. Furthermore, Scottrade has alleged that I would be responsible for significant administrative/travel/filing fee costs associated with filing an an arbitration case. I have requested information from Scottrade on how to remedy the prohibitively expensive nature of arbitration and have not received a response. I kindly request Scottrade provide information regarding how to file an arbitration claim against Scottrade, Scottrade Bank, and Scottrade Financial Services and the differences in any arbitration agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to verify an account in collections by XXXX XXXX XXXX directly and through the Credit bureaus. In XXXX and XXXX of 2018 I sent out a debt validation letter which a photo copy will be attached, and recieved basically responses on both occasions that the debt had been verified. But in reality all I got was a itemized list of charges and no proof of ORIGINAL contracts with my name or signatures which does not meet the FTC guidelines that constitutes proper debt validation. Also XXXX was not able to properly verify and were the only ones to delete the account. Also noticed that XXXX is reporting wrong information on said debt collector, which I will also attach proof of when I tried to request information. Letter sent was returned which I had sent out certified. I had also reached out to the ORIGINAL said creditor and they claim to have no information on such account, and if I'm not mistaken how could the credit bureaus or the collector validate such debt if under the FCRA a proper validation has to be done with the original creditor?
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to have this public record bankruptcy removed for many months, have letter from company experian uses to verify this is not on there record, my record, company experian uses XXXX XXXX, when i call XXXX XXXX they do not understand why experian still has this bankruptcy on there report and no record of experian checking with them, i sent experian again, 2 letters, 1 from XXXX XXXX and 1 from stating the same thing as attached, if experian is using XXXX XXXX to verify and not checking with them and experian records do not match XXXX XXXX, then why will experian not remove bankruptcy from there records, in letter experian sent to me, they state they use this company XXXX XXXX,
Product: Credit card

On XXXX XX/XX/year> I purchased a couch set for XXXX plus tax. I got discount for the floor model on the loveseat. I paid XXXX dollars for the delivery fee. I requested interest free store credit. I was told it was 24 months interest free and I got approved for XXXX credit. The salesperson asked what front I wanted for my signature to sign the credit documents. He said I would get a email with the document plus my receipt within XXXX hours. The salesperson said I would get my delivery the next day. Next day no receipt or loan documents plus no couch. I called several times regarding the receipt and loan documents but no answer. I finally got a call about the delivery from the warehouse. They discounted the mess up because it was not put in the system for delivery. I get a payment book in the mail for cost is now over XXXX dollars. 

I called and finally reached someone. I was told theyre going out of business and nobody is going to fix anything because theyre liquidation store. My concern is someone signed my loan documents which is illegal. Now Im being overcharged. I finally get another email about credit protection I signed up for which I didnt sign anything. 

Now my other concern they announced few days after I got my couch theyre going out of business and now both my couch and love seat was sold as is. Meaning if I have any issues with the store warranty. 

The company is XXXX XXXXXXXX XXXX XXXXXXXX Texas
Product: Credit card or prepaid card

SYNCHRONY BANK XXXX XXXX XXXX XXXX BEWARE! 

Back in XXXX, I purchased a new bed with a XXXX XXXX XXXX XXXX credit card from SYNCHRONY Bank. I made ABOVE and beyond the minimum payments, the total financed amount was {$6000.00} I recently looked at my statement and saw that a " promotional '' interest rate had expired which I was NOT made aware of. 

My balance as of XX/XX/XXXX was {$1800.00}. 

In XXXX - I was charged {$3000.00} interest, which brings me back to the beginning of the loan after 3 years. 

I was not made aware of this high-interest rate and feel extremely taken advantage of as a consumer. Customer Service said there was nothing they could do because I was over their " one month '' grace period to dispute the interest. 

This brings my new balance to {$4700.00} after 3 years and FULL ON-TIME PAYMENTS There should be NO REASON a credit card should charge triple the amount owed. 

Beware of this scam to hurt the middle class!
Product: Money transfer, virtual currency, or money service

A third party represented that a used laptop computer was new, but objective forensic battery tests and opened box with scratches on the item demonstrated that it was substantially used. A premium price of {$760.00} USD was paid to buyer via PayPal. Within hours of receipt, I contacted the fraudulent seller and and submitted evidence. On XX/XX/XXXX, PayPal required me to return the non-complying item to the fraudulent seller ( XXXX ), but insisted that it would not supply me with a credit. Proof of receipt of the item by the seller was given to PayPal along with all proof of noncompliance. Without notice to me and for no reason, PayPal has repeatedly switched this case to numerous associates and moved the waiting period for resolution back without my consent ( from XX/XX/XXXX to XXXX, XXXX, to XXXX, etc. ). The industry standard is resolution within 3 days of buyer 's receipt of returned item. ( see XXXX attached ... PayPal and XXXX were formerly subsidiaries of the same company ). It is prolonging the period in which I'm separated from my money and the laptop I bargained for. The fraudulent seller has both my funds and the laptop, and this has been the case for over a month. PayPal 's online complaint resolution format is rife with problems that make submittal of proof by the innocent consumer nearly impossible, and it sends consumers messages that their messages will be discontinued, which I was assured is not actually the case. The associates handling the case indicate that the fraudulent seller " has monopolized '' the dialogue, when in fact I had initiated the dispute resolution process and submitted ample third party evidence, including video, pictures, tests, web page grabs, and receipts to illustrate the obvious fraud. As I needed business equipment, I had to " cover '' by purchasing a new, more expensive item at a cost of over {$1200.00}. Further, having the {$770.00} charge unreimbursed carries the threat of higher credit card interest on unpaid amounts. In sum, PayPal is even now facilitating the fraud on consumers by allowing the unfair merchant to have both the equipment back and my money.
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 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 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 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: Debt collection

I am being contacted by a collection company. I was at home when the call came in today. I answered. They told me who they are and they are trying to collect a debt for over {$3000.00}. They say I took out a loan with XXXX something, I ca n't remember what the XXXX word was. I have never taken a loan out with this company. 

I asked if it could have been through someone else years ago and the contract was bought out. The original caller said I do n't know and transferred me to legal. I again told her that I had never taken a loan out with that company. What company did they buy the contract from. She started telling me they have something from XXXX XXXX?. I said that 's not what I 'm asking. I want to know who I owe. I 'm not just going to send you money. I asked her if they have anything with my signature on it. She started telling me I owe XXXX XXXX. Again, I asked her do you have anything with my signature on it? 

Her response, " Go to court! '' and then she hung up. I 'm not sure what I 'm supposed to be going to court for.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally demand resolution for the inaccurate and violating acts committed by your credit bureau XXXX which have directly infringed upon my consumer rights. Upon reviewing my credit reports, I have discovered numerous instances of inaccurate information that have caused significant harm to my creditworthiness and financial well-being. 

It is my belief that these inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers like myself from the dissemination of false and misleading information. I have diligently attempted to rectify these errors through your dispute resolution process, but have been met with inadequate investigations and insufficient responses from your bureau. 

Therefore, I am formally demanding that you initiate an arbitration process to address and rectify the following issues : XXXX. XXXX XXXX XXXX - This entry is completely false and has unjustly tarnished my credit history. I have provided evidence to support my claim, yet it has not been adequately addressed. 

XXXX. XXXX XXXX XXXXXXXX - Balance - This entry contains incorrect information regarding my payment history, leading to an unfair assessment of my creditworthiness. I have repeatedly contacted your bureau to dispute this entry, but have received no satisfactory resolution. 

XXXX. XXXX XXXX XXXXXXXX - Payment History - This entry reflects a debt that has been CLOSED XX/XX/XXXX, yet CHARGED OFF XX/XX/XXXX as it continues to be reported as outstanding. I have provided documentation proving its resolution, but your bureau has failed to update the information accordingly. 

XXXX. Account XXXX I did not give permission to furnish this this information onto my credit report. This is a violation of the XXXX XXXX XXXX XXXX XXXX ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The unauthorized and fraudulent credit inquiries made by the following companies : I demand you, to produce a contract between you and I, the consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 


I am asserting my right to have these matters resolved through arbitration, as outlined in the FCRA. I trust that you will comply with this request and provide me with the necessary information and instructions to initiate the arbitration process. Failure to do so will leave me no choice but to pursue legal remedies to protect my rights as a consumer. 

I look forward to your prompt attention to this matter and a swift resolution. Please provide me with a written response within [ XXXX  days ] to confirm that you have initiated the arbitration process and are taking the necessary steps to address these violations. 

Thank you for your immediate attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXXXXXX XXXX refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -EQUIFAX : XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX CT XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bottom line is this : XXXX  and XXXX  have my credit scores both at XXXX. Experian  lists my credit score at XXXX. Experian  keeps sending me emails to sign up and pay a membership cost so that they can " fix '' my credit score. I have no mortgage, I have {$50000.00} in available credit card usage which is never over 7 % usage. I earned {$130000.00} last year. I have religiously paid off my credit cards at the end of every month since 2014. I have very old bad credit dating back 10 years or more, but other than that there is no reason why I would have a credit score of XXXX. I think Experian is trying to extort money from me to fix my score.
Product: Checking or savings account

Ive already submitted XXXX complaints about this ( the latest one being XXXX ), and theyre still charging me fees incorrectly. Im getting sick of this. Reimbursing the fee isnt not enough anymore. Something more needs to happen! How many other people are they stealing the {$5.00} fee from?
Product: Mortgage

On  XXXX   XXXX ,  2017  I contacted the company Carrington Mortgage Services to request a payoff notice and also verify we could sell the property. I was informed that I would receive the information via email shortly and that the actual legitimate information woukd come in the mail. The one that came in the mail would be the one used for the title company and otherwise. When I received that paperwork in the mail on the   XX/XX/XXXX   I then passed it on to my realtor and title company so they would know the payoff. I was also told that information was valid for 30 days after I received it in the mail, which would mean it was valid until  XXXX   XXXX ,  2017.  A few days before closing I called to make sure that the information I had was valid and that all the numbers still matched. They refused to speak with me or my wife. Stated that we had the information and that we were n't to bother them again. So the title company did up the interest amount a smidge just to be on the safe side. We sent the payoff amount on  XXXX   XXXX ,  2017 to  the company. When we did n't receive any returns, email, or phone calls we assumed we were done and it was over. We were wrong. Monday the  XXXX ,  2017  they returned the payoff stating that we owed  XXXX  more than what we sent. I spent 3 days trying to speak with the company and they refused to speak to us. Finally, I was able to speak with someone, the woman I spoke to said she would send a new payoff notice and it woukd state we were  XXXX  short. I never received it. So I called back. They informed me that if I continued to contact them they would have me arrested for harrassment, just for calling to find out about our payoff on our mortgage. I received the new payoff yesterday,  XXXX   XXXX ,  2017 , and they have changed the payoff to state that we owed almos t 1800  dollars. I called the company again. They have informed me that they will not speak with me or my wife. They will not tell me what the changes were for and why the added price. They have stated that they wo n't and do n't have to give me any information. My wife is the owner of the house per a probated will and we have shown them these papers proving it at least 4 times. My realtor has proof of it. They still wo n't speak to my wife at all. They have continued to force us to own this house for almost a month now. They wo n't let us pay them because supposedly we are n't paying the right amount, however we have asked for the right amount repeatedly. Please help us. They are continuing to extort more money from us. Everytime it is more but with no explanation.
Product: Payday loan, title loan, personal loan, or advance loan

Me and my daughter were in my vehicle at a XXXX in XXXX XXXX  at the end of XXXX. A wrecker with the company ( XXXXXXXX XXXX XXXX ) backed up to the truck and proceeded to tow us off while we were in the vehicle.I immediately called XXXX and the police came and made him unhook the vehicle. I asked for the information and was not given anything of who or what was going on... Me and my daughter have been traumatized ever since the incident.There is also a hold on my title. Per TMX company located in XXXX XXXX PLEASE HELP ME to get the title release.