23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ditech Financial has misapplied payments we have made. The assigned representative will not return repeated phone calls. They are now showing us like 4 months past due and I do not find that to be true due to the fact we have made payments, they have just applied them incorrectly.
Product: Credit reporting or other personal consumer reports

After reviewing my consumers report, i noticed that there were a few accounts listed that do not belong to me. Here are the accounts listed below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In regard to my complaint with CFPB XXXX, the XXXX XXXX XXXX provided an inaccurate and incomplete documentation Validating the debt they claim that I owe on behalf of XXXX. They failed to provide the details of either items or services or any other proofs like delivery receipts with my signatures. Therefore, the documental evidence they submitted is incomplete or inaccurate. I do not recall to the best of my knowledge, that I purchased any items or services from XXXX that i have not fully paid. Furthermore, I am not present at the address since XX/XX/2019, as I am out of XXXX for my XXXX XXXX. I am enclosing their submitted validation document which is incomplete and in accurate.
Product: Credit card or prepaid card

This is the 4th time in the past year that someone has attempted to open an AMAZON.COM Visa Signature Card in my name with my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Each time I get a letter from Chase back with their letterhead. I contacted Chase and they said without a credit card or account they can not help me. I also contacted Amazon and they said they do not handle credit cards. Each time the letter says that they need more information to process the card. Since it has happened 4 times, I am very worried. The most recent Chase letter has the reference number : 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPARTMENT OF LABOR FC Account Number : XXXX and 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: Credit card or prepaid card

I made my original purchase from XXXX XXXX  XX/XX/XXXX for the amount of XXXX. I had returned to the store XX/XX/XXXX due the item had not been delivered. The second purchase was made for the amount of XXXX, but the XXXX was not properly credit. I upgraded the next purchase to another mattress with a base for the amount of XXXX minus the XXXX cost for the second purchase, that was returned. The third purchase was delivered adding a charge of XXXX. In XX/XX/XXXX I realize there was a over charge on my bill. I made a dispute with Synchrony, I also made contact with XXXX XXXX with no success of getting this properly taken care of. I should have been charged the cost of XXXX for my purchase. In XX/XX/XXXX I had a balance of XXXX. Thanks to the spreadsheet Synchrony provided I was able to locate the error.
Product: Student loan

Sale promises about expectations and promises of jobs and none flexible options to repay loans. Learn was being serviced with XXXX XXXX and they refused to give me any options even when government was giving relief to borrowers.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To whom it may concern, I am writing to formally dispute certain items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( XXXX ), I am requesting that you reinvestigate these disputed items. According to the statute, you are required to conduct a reasonable reinvestigation and correct or delete any inaccurate or incomplete information. 
These items are inaccurate, and I am requesting that they be reviewed and appropriately corrected or removed from my credit report. Please provide me with the results of your investigation as required under FCRA guidelines. 
In accordance with 15 USC 1681i ( XXXX ), I remind you that you must complete the reinvestigation within XXXX  days and provide me with a report detailing the results, including any corrections made. Should you fail to meet this deadline or fail to conduct a proper investigation, the following court precedents support my position : XXXX. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) The court ruled that a consumer reporting agency ( CRA ) has a statutory duty to conduct a reasonable reinvestigation of a disputed item, and failure to do so can result in liability. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) The court emphasized that CRAs must conduct an independent review and can not rely solely on the information provided by the data furnishers. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) This case underscores that a CRA is liable under the FCRA for failing to reinvestigate disputed information that is reported inaccurately. 
Additionally, should you fail to conduct a thorough and reasonable investigation, as mandated by the FCRA, I would expect the items to be deleted expeditiously. 
I look forward to receiving your response in a timely manner.
Product: Checking or savings account

Citizens online bank advertises a savings account rate of 4.5 %. When I applied to open an account, I got an error message saying they weren't able to process my application and to try again the next business day. I did and received the same message and it gave a phone number. I called them and was told they couldn't open an account for me and would not give me any reason why. It's not clear to me what their end game is, but it feels fraudulent.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXXXXXX XXXX XXXXXXXX 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 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. 

DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX 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 1002 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: Prepaid card

VanillaGift.com - VISA gift card - {$50.00} Card number XXXX XXXX XXXX XXXX Vanilla Gift Card was declined as method of payment everywhere I attempted to use it except on XXXX where the card was initially accepted and items were purchased, transaction was complete. Later however, XXXX sends notice that payment was declined and a new method of payment must be provided. I canceled the orders but both XXXX and Vanilla charged the card anyway refusing to ship order, refusing to cancel order, leaving buyer with no product, no recourse for unauthorized transactions. XXXX and Vanilla offer no customer service for this issue. Despite payment declined, XXXX and Vanillla will not allow cancelling order or disputing charge. Vanilla gift card now has reduced/depleted balance while no transactions are completed and no product was purchased.
Product: Debt collection

XXXX XXXX withdrew over {$1100.00} from my XXXX XXXX XXXX account to satisfy 2 credit card debts, under false pretenses. They claim I authorized, verbally, and instructed them to do so. I did not have these funds available, and this caused my account, overdrafts included, to plummet to $ XXXX. 

These verbal conversations never happened at all. I did not speak to anyone from XXXX, much less instruct them to do so. Who would instruct someone to withdraw money that they knew wasn't there? It was an absolute lie and I am attaching these letters. My phone records show that no call took place on XX/XX/XXXX, as they claim happened. I received letters thanking me for my verbal consent and instruction to pay in full. 

XXXX did reverse the charges for my account, but it's frightening that collections departments at a bank think they can create a consent that didn't happen. I did consult an attorney when this happened, and he advised me to work with my bank, XXXX, and file a complaint with the Attorney General 's office about XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Collections Services are attempting to collect a debt from consumers and Credit Reporting Services without a license to do so in the state of Tennessee.

This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. 
15 USC 1692XXXX XXXX XXXX XXXX XXXX ID : XXXX Address : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the XXXX end the following : XXXX ( F ) REPORTING INFORMATION DURING XXXX COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exactly the same issue as reported in a CFPB complaint # XXXX in XX/XX/XXXX ( see the attach ). Chase Bank delete all the unauthorized inquiries at that moment to my credit file. And now access to my XXXX file on : XX/XX/XXXX / XX/XX/XXXX / and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Absolutely no disputes are to be entered from this complaint. This is just me providing my documentation to you once again. Tbe issue isnt the lender not reporting like XXXX lead to believe. Absolutely not possible when month after month other CRA reports never have this problem yet repeatedly this report does. 

Absolutely no disputes are to be entered My credit file has been messed up dating back to my knowledge at least around XX/XX/XXXX. 

Ive exhausted myself in every possible way to explain what I see vers what ultimately gets reported out etc. Ive tried mailing documents showing everything with no follow up action or results. Ive spent countless hours on tbe phone with this agency seeking help. Repeatly told a XXXX would call. To this date that has never happened. Ive repeated requested a file review of everything from top to bottom given massive time frame itll take to only learn once that window comes and goes that there isnt a time frame on this. Ultimately its never been done. I last requested such on XX/XX/XXXX here we are a month out and truthfully the issue today is by far the worse its ever been.
Product: Student loan

I went to XXXX XXXX. I took out federal loans. When I got out of school consolidated the federal loans. I kept getting a bill from Sallie Mae. I called them and asked them why and they told me the bill was for my private loans. I never signed any agreement for private loans. I refused to pay on them. They kept telling me they had a truth in lending agreement for the private loans but never produced one. It was XXXX loans in all. The only thing I signed was an application for the federal loans. I was told by a lawyer that these private loans are not legal without a contract. At one point a Sallie Mae collector told me that it was a verbal agreement that the private loans were taken out on. I can not afford a lawyer to get rid of these loans and they are keeping my credit down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this.

XXXX XXXX XXXX   CARDXX/XX/XXXX {$5300.00} XXXXXX/XX/XXXX {$620.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Purchased XXXX XXXX XXXX  XX/XX/XXXX using XXXX XXXX Upgrade Program which is underwritten by Citizen 's One Bank. Paid off loan associated with this XXXX in XX/XX/XXXX and traded in the device in XX/XX/XXXX. XXXX refunded a prorated amount of {$86.00} to my loan account for the remaining time left of XXXX extended warranty. Requested Citizen 's One to send this refunded balance to me via check or to my card on file and have yet to receive it. I've contacted the bank via phone XXXX on multiple occasions and they claim it is due to an overabundance of refunds being processed. I want my refund sent immediately, which is no different than the bank wanting to be paid promptly when my bill is due.
Product: Credit card or prepaid card

I received a new credit card from Synchrony Car Care ( Synchrony Bank VISA credit card ) when I made a purchase of {$930.00} from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX.I was promised to receive a {$100.00} prepaid card because I had made that purchase of more than {$590.00} with the new Synchrony Credit Card. That original transaction was done on XX/XX/XXXX. Since that time I have contacted the company 's rebate center many times because I have not received my prepaid card. The first few times they claimed to have made a mistake on my address ( not including my Apt number ) and they would correct the error and resend my prepaid card. To date I have not received the prepaid card. The last time I contacted the rebate center, I asked to speak to a supervisor. I was told that one was not available at the time but I would be contacted by phone in a day or two. That did not happen either! I feel like I am getting the 'run around ' by the company and they have no intention of sending me the {$100.00} prepaid card.
Product: Money transfer, virtual currency, or money service

I sent {$100.00} to my nephew 's bank account in XXXX, XXXX, via TransferWise on XX/XX/2021. The money has not arrived into his account as of today. TransferWise pulled {$100.00} out from my XXXX XXXX account on XX/XX/2021. I contacted the Transferwise via email and informed them about the situation. I had some correspondence with one of TransferWise representatives. I am not pleased with his responses. Here is what he wrote : " Just to summarize, are two options available. We can either wait 1-3 weeks until we receive back the payment, or we can try to recall the payment, but it might not be successful. ".
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax or falsely reporting the wrong information on my reports.   i have not applied nor do i fill out any applications for the cards listed here,   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   These are not my applications and these were not made by me. I have asked several times for them to remove these inquiry 's and they have refused. i have sent proof that these are not my applications.   The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of cred it b ) insurance c ) employmen t or d ) a court order.   The following credit inquiries are related to none of the aforementioned permissible purposes :
Product: Money transfer, virtual currency, or money service

I visited BofA office on XXXX XXXX ( Saturday ) to make the international wire transfer ( XXXX XXXX $ ). The money was withdrawn from my account on XXXX XXXX ( Monday ), but the recipient still hasnt got the funds ( today is XXXX XXXX ). The wire transfer details are correct.
Product: Vehicle loan or lease

Negative, This Company and the dealerships are in business to ruin hard working ppl lives. I brought a vehicle for {$16000.00} and I put {$10.00}, XXXX down. Nothing was wrong with my credit. I wanted to pay the whole amount but was convenience by the dealer to go with Whitestone Financial to help with my credit. Which nothing was wrong with my credit. Instead I'm paying close to {$14000.00} in loans for a {$7000.00} balance. How can the government allow these loans to do this to someone, when clearly I did not know my interest goes up daily no I did not read that, at least I did not get the understanding of it. These loans should be in simple form for all reader regardless if they believe we understand what they are reading. Still should not give them the right to make double the money on loans. I was not aware until my sister read the interest rates on one of the pink forms I believe. Dealer also added on extra insurance because he stated Whitestone would not Finance me without it the gap insurance and a gps installed in my vehicle. All lies to make money. I would never recommend Whitestone to anyone. So I'm paying {$24000.00} for a vehicle that wasn't even worth {$10000.00} at the time of purchase.
Product: Credit card or prepaid card

Just started off with charges I didn't make. Undisputed is it was taken off told me to wait 30 days it will be complete. Initially they hit me it by XXXX they originally took the charges off. had made my balance correct what is the end of you waiting for it to be settled Last minute they charged back a payment to my cellphone company this very first charge I have made that was right around the amount they has overcharged me. Put my account in collections with the cell phone company had to repay p in 4 days that's how they fix me everything they took off my balance they said to make it right for the fraudulent charges and they had added made it right until last minutes they didn't charge back to my cell phone company for the amount that would have made it right.Said it was settled because I didn't know they had did that this is a plan that put me back in XXXX in the first month been downhill. Pull up in about another claim. It was about putting money from my bank account destroy employees two or three payments at a time it even tried to pull to pay off for a maxed out card. I felt was still wrong then turn around a week later and pulled off another {$42.00} payment and was trying to pull more of my account but it has grain my account in the bank will not pay any more overdraft I had not otherwise you probably didn't know isn't about them until the first watching my credit report it showed it paid off and completely just stopped and went on to pull more payments. I still feel like I'm in dispute. There's always going to be at the bank to it was closed and now they just keep getting my credit rating I don't have any trouble with my other card just this one this all happen in threes or 4 months after you open it. Go talk to the credit card company can was under the impression XXXX XXXX XXXX has bought Continental app but not the credit card division they're working on their own taking every dime they can can from their customers