23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I filed. Disputed which was denied because someone linked my card to their cash app and stole {$4900.00} from me. The bank stated they they believe I authorized the charges. After only XXXX  days. I have requested them to reconsider XXXX  times now and they have all been denied. I contacted cash app and sent them copy of my id and card to show the card was mine. They located a cash app the my card was linked to and told me the cash app obviously wasn't in my name so they couldn't give me any further information. Cash app also stated that bank of america never contacted them regarding these transactions. I have had an issue like this with bofa in the past and it turned into a lawsuit. It's looking like that's where this might be headed. Card number that was fraudulently used is XXXX XXXX XXXX XXXX. My name is XXXX XXXX my SS is XXXX best way to reach me is email XXXX or telephone XXXX
Product: Credit reporting or other personal consumer reports

Equifax is violating my rights under the Fair Credit Reporting Act ( FCRA ) in multiple ways : Equifax is preventing me from exercising my legal right to add a 100-word consumer statement to my credit report. The FCRA ( 15 U.S.C. 1681i ( b ) ) mandates that credit bureaus allow consumers to add a statement to disputed accounts. However, Equifaxs online system does not provide this option, which is deceptive and predatory. I have searched extensively, and no clear method exists to submit my statement electronically. This is an unfair practice that denies consumers the ability to provide context for disputed items. 

Equifax failed to conduct a reasonable reinvestigation of my dispute as required by FCRA 1681i ( a ). Instead of verifying the accuracy of the account with legitimate documentation, Equifax merely parroted the furnishers response without obtaining or reviewing original account records, such as a signed contract or full itemized accounting. This is a blatant violation of consumer rights, as credit bureaus have a duty to ensure reported information is accurate and substantiated.

I demand the following actions : Equifax must immediately allow me to add a 100-word consumer statement online, as required by law. 
Equifax must provide proof of its reinvestigation process, including how it verified the disputed account and what documentation was reviewed. 
If Equifax can not prove that a legitimate reinvestigation took place, the disputed account should be deleted immediately. 
This failure to follow federal consumer protection laws is unacceptable. If not resolved, I will escalate this complaint to the FTC, my states Attorney General, and consider legal action for FCRA violations.
Product: Mortgage

PHH Mortgage claims to be the current holder of the first mortgage that is on my property, with a company known as XXXX. PHH Mortgage offered a loan modification program that includes " forced placed insurance '' and property taxes. The issue is I have had insurance the entire time I've owned the property and have supplied both PHH Mortgage and their attorney, XXXX XXXX, a copy of the insurance that is more coverage than their costly " force placed '' version of insurance. They refuse to remove it from the payment amount, instead claiming they would " deny '' another modification and would " review it '' at the end of the trial period. 

The next issue, I am an XXXX XXXX and have an active property tax exemption. PHH Mortgage is literally requiring payment for something I have went to court about and dealt directly with the treasurers office. There is no " escrow '' for taxes I do not even have to pay.
Product: Credit card

in XX/XX/XXXX I received a notice from alaska airlines visa signature credit card that I owed {$170.00}. this was {$100.00} purchases on the card and {$75.00} renewal fee for the card. 
on XXXX I paid them {$100.00} and cancelled the card. 
each subsequent month, I have received a higher bill from bank of XXXX. 
I have attempted to negotiate with the a number of times, they have subtracted a late fee once or twice but still keep billing me for increasing amounts, even though the card has not been used since XX/XX/XXXX and was cancelled in XX/XX/XXXX I even paid them a late fee after the latest negotiation on XX/XX/XXXX of {$27.00}. 
however, they continue billing me and the total due XX/XX/XXXX is {$230.00}. 
can you please help?
Product: Checking or savings account

I have a business checking with Bank of America. My account was overdrawn for the first time, and I made a deposit the same day. But I just found out that it was overdrawn and I got charged a fee of {$35.00}. I contacted them and they told me they can't fix it. 

I know that there is a rule where you don't get charged any overdraft fee if you make a deposit the same day. You can see this thru my transaction. I deposited {$1400.00} on XX/XX/XXXX, and the payroll was withdrawn. At that point my account is positive and then the overdraft fee was withdrawn making my account negative.

The overdraft fee was charged on XX/XX/XXXX and the amount is {$35.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a HIPAA Validation letter to XXXX XXXX on XX/XX/XXXX it was certified mail and it was received on XX/XX/XXXX this agency has reported a medical debt of {$800.00} for a service date of XX/XX/XXXX this is what is reported on my Experian credit report. I waited 30 days for a response from this creditor and I never received one. On XX/XX/XXXX I sent a dispute letter to Experian informing them that I had sent a HIPAA Validation letter to the above creditor. In this letter I questioned Experian 's reporting of this medical bill on my report as verified since I reached out to the creditor and I have never received a medical bill from them. I requested that Experian remove the negative reporting as proper validation, verification or a bill was ever received by me, I still do not and have not received a medical bill from this creditor. I received a letter from Experian dated XX/XX/XXXX in regards to this medical debt stating that they have processed my dispute and the credit grantor has verified its accuracy. However, Experian did not provide me with proof of such verification. Please find attached below a copy of the certified mail receipt as well as the original letter I sent the credit grantor in regards to this debt
Product: Debt collection

See attached letter, Midland Credit did not validate the debt, nor show proof. They are not a reputable business as they have had numerous lawsuits brought against them for their illegal debt collection actions. Their prior XXXX poor attempt at validating a debt is rejected, as it did not prove anything.
Product: Checking or savings account

current bANK has stolen {$4.00}, XXXX  from me i have proof attached is conversations between ; current bank and i as well as XXXX XXXX and i. i will be seeking a lawyer to prosecute all parties named will be held personally accountable for their role in this debacle of my livelyhood. THE MESSAGES MAKE IT VERY CLEAR THAT THEY HAVE TAKEN MY MONEY THIS IS A RECORD THAT WILL BE HELD AS PRIMA FACIE EVIDENCE IN COURT!
Product: Student loan

Prior to covid my student loans were affordable now with the new repayment plan they tripled to the point they are unaffordable.
Product: Credit card

Chase bank has aided and abetted XXXX to defraud my credit card account, which money was lender to me by Chase on a high interest rate, by refusing to investigate a fraudulent transaction on my Chase credit card. I have filed a dispute to Chase about the transaction and I spoke with XXXX XXXX XXXX whom we have explained what happened and shown evidence of the court docket and declaration of our lawyer as a proof that the transaction was fraudulent and the contract with XXXX was breached. I have requested Chase to get back my stolen money from the merchant, but Chase refused to protect me and took the merchant 's side, just because of their unlawful interest is to make more money by collecting the high interest rates over the {$3500.00} that was defrauded from me. Background : On XXXX XXXX XXXX I have paid XXXX the sum of {$3500.00} with my Chase Credit Card to bail my husband, XXXX court. The case was XXXX on XXXX XXXX, XXXX. After that my husband has contacted XXXX company to inform them that the charges have been dropped to a XXXX and ask them about the new condition of the bail. But due to this was the XXXX my husband has been arrested, XXXX took advantage of his lack of experience ( XXXX ) and refused to tell my husband the truth that he has been OR-d ( Own Recognizance ) from bail and also refused to inform him that XXXX XXXX XXXX XXXX has failed to post his bail bond to the court, as agreed, which is totally a violation of the contract and of my husband 's freedom by not informing my husband that his bail is no more required by the court. Due to this their fraudulent intention, we assumed that my husband is still on bail and for that reason he could not travel for business oversees or out of state. On XXXX XXXX, XXXX court date, my husband 's lawyer, XXXX XXXX requested the court to waive the bail on my husband, and that 's when we found out that my husband has not been on bail. The court had no information about XXXX posting any bond on behalf of my husband as XXXX have claimed. Due to this reasons XXXX breached and violated our contract with them and took the {$3500.00} without earning it. We have tried to contact them several times asking for a refund but they refused to cooperate and hanged the phone on us.
Product: Debt collection

XXXX XXXX American Accounts and Advisers Date : XX/XX/18 XXXX : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number XXXX on XX/XX/18 Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 5 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via-cfpb that you did receive my letter on XX/XX/18. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XX/XX/year>
Product: Checking or savings account

To date, BBVA Bank has failed or refused to investigate, provisionally credit, and/or ultimately reverse all unauthorized charges that compose my dispute which BBVA assigned XXXX XXXX. XXXX. 

FURTHERMORE, BBVA BANK REFUSES TO COMPLY WITH MY REQUEST TO PRODUCE ALL DOCUMENTS AND RECORDS UPON WHICH IT PURPORTS TO HAVE BASED ITS FAILURE AND/OR REFUSAL DISCUSSED IN THE PRECEDING PARAGRAPH. I REQUESTED THESE DOCUMENTS AND? OR RECORDS FROM BBVA BANK THREE TIMES XXXX ONCE VIA TELEPHONE ON XX/XX/2020 at XXXX hrs ). THE FIRST REQUEST WAS : From : XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX : XX/XX/2020 at XXXX XXXX PDT To : XXXX XXXX
Product: Mortgage

XXXX I refinanced my home loan. New loan of {$320000.00}. There was another loan of {$170000.00} but they did not pay this loan off. Thus from the first day we refinanced the property it was upside down. House then was worth {$360000.00}. With a loan of {$320000.00} plus another of {$170000.00} = {$490000.00} XXXX to Wachovia to Wells Fargo. 
In XXXX. the second which was {$320000.00} was falsly suboridated making it the first place loan. Thus we have never had a house worth less than our original loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX  XXXX OF : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  - XXXX  XXXX  : XX/XX/2021 XXXX  : XX/XX/2021 XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX  XXXX  : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX  XXXX XXXX XXXX  : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX  XXXX NA  : XX/XX/2021
Product: Debt collection

I was contacted by a company named IQ Data for a " debt '' they say I owed them. I checked the Texas Collections database to see if they are registered to collect debt in the state of Texas and they are not. This company states I started out a balance of XXXX and now I owe them XXXX. This company is hurting my credit and they are saying I have to pay them. I sent them a cease and desist letter to remove the debt off from my credit. My current lease is coming to an end and with this on my credit we can not move anywhere. I have a XXXX old and we are basically going to be homeless due to this.
Product: Credit reporting or other personal consumer reports

My account with ( EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  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: Credit reporting or other personal consumer reports

I have inquiries that I do not recognize on my report.
Product: Credit reporting or other personal consumer reports

I received XXXX Hard Inquiries from XXXX XXXX XXXX XXXX, XXXX, OH XXXX on my Equifax report XXXX XX/XX/year> which i did not apply for. Due to these inquiries it also changed credit reporting address to XXXX I have not resided in for over many years. I filed a dispute for the pull with Equifax and they closed it in less than XXXX hours reporting ( INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> CR XXXXXXXX XXXX  ). I tried getting ahold of Comenity capital and I was hung up on XXXX time to find out who requested this credit pull. Equifax told me to get a hold of the creditor and I did not apply for this credit nor to I have an account them. I currently have a dispute to have my credit address changed to my correct address. I don't know what else to do to get this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account dispute letter was mailed to Experian via Certified mail on XX/XX/2021. In that letter, it was requested that Experian verify the account with a copy of the following items : 1. Original contract 2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance Experian decided the account was verified and did not send me proof of verification. Experian also has not responded to me via mail. I received my status via Experian App. It is approaching 30 days with no proper response or verification that the account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed collection accounts : # XXXX # XXXX directly with XXXX XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX company, but in any case these accounts should not be reported by XXXX  XXXX now so please delete these false accounts asap.
Product: Checking or savings account

I received an offer letter from Wells Fargo to receive a bonus under the following terms : 1. Meet with a premier banker by XX/XX/2019 to earn a {$200.00} bonus 2. Enroll in portfolio premier by opening a new portfolio checking account or converting an existing Wells Fargo consumer checking account by XX/XX/2019 3. For an additional {$1500.00} bonus open a 3-month CD by XX/XX/2019 with {$150000.00} or more in new money 4. Have {$250000.00} in qualifying relationship balances at the end of the month in which your CD matures 5. Any earned bonus will be deposited into your checking account within 45 days after the requirements are met 6. Offer XXXX I met with a premier banker and converted my checking account on XX/XX/2019. 

On XX/XX/2019 I met with the premier banker and opened a 3-month CD with the {$150000.00} of new money wired into Wells Fargo. 

XXXX XXXX Wells Fargo Bank, N.A., Nebraska ( Member FDIC ) Original value {$150000.00} Current value {$150000.00} Original issue dateXX/XX/19 Current issue date XX/XX/19 Maturity date XX/XX/19 Term 3 months On XX/XX/2019 - the end of the month in which my CD matured - I had a qualifying balance of {$400000.00}. 

I met all of the requirements and it has been 60 days and I have not received the {$1500.00} bonus.
Product: Money transfer, virtual currency, or money service

I made a purchase via Paypal and purchased item from a online vendor at XX/XX/2023 where the vendor portend to be an US vendor ( paid shipping cost XXXX ). Then, the item came after 2 weeks which is completely different from description. I tried to solve issue with the vendor directly but the vendor refused to provide a feasible solution. The vendor want me to either ship the item back to XXXX at my own cost or get a refund for 10-20 %. Then, I have no choice but to escalate to paypal on XX/XX/2023. The response I received from Paypal is that I need to ship the item to XXXX at my own cost which is close to the amount of my total purchase. Either way, I will loose the total amount. To seek help, I also called paypal to explain the situation and seek help on paypal online community and I write my story there. 
XXXX XXXX XXXXXXXX # XXXX Surprisingly, after I posted my story on community, paypal banned my community account the very next day. 
But if you check the paypal buyer protection policy listed on their website. Paypal protects buyer if the item received is completely different.
Product: Debt collection

While back I had XXXX XXXX but my husband lost his job so I had to take care of the bills. I got harassed over and over again after the debt was sold to Midland Funding LLC.When they called the caller ID said Unknown.So I didn't answer.So now as of XX/XX/2019 I got serve with a lawsuit against me by them .For unpay debt The process server said just pay it and I said I will give them a called.I called them I said I would like a payment arrangement Midland Quoted we cant help you it's to late for that
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and 1 inquiry on my credit report that are not mine I have been disputing these for many months and nothing is being done!!! This is clearly identity theft and this is my last hope XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2020 on Transunion
Product: Credit card or prepaid card

Please refer to previously closed complaint : XXXX. 

More fraudulent charges have been attached to my B of A account. My current statement includes these fraudulent charges amounting to {$150.00}. This has now been happening continually for over two and a half years since the credit card was reported stolen.
Product: Mortgage

The letter received contradicts the law to date the interest rate back to the active duty start date. Freedom only applied the 6 % to the next billing cycle. I have called several times, was told the request was escalated and have still not been notified as to why they refuse to date the 6 % on the XXXX billing cycle. Payments aren't being applied correctly. This is one of several issues with this servicer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked inaccurate, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX