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

There was a purchase made on my visa credit card for {$8400.00} on XX/XX/XXXX, but not posted to my account until XX/XX/XXXX. The merchant name listed for this supposed purchase is " XXXX XXXXXXXX XXXX '' in XXXX, XXXX ( XXXX ). 

On XX/XX/XXXX, I was in XXXX, and made purchases with that same ( and only ) XXXX  card in the XXXX airport ( all documented on my monthly credit card statement and attached ). I was NOT in XXXX and did not make such a purchase. I have my passport that proves where I was on XXXX XXXX, XXXX, and that was in XXXX ( entry/exit stamps also attached ). 

I filed a fraud complaint with my bank ( Bank of America ). They replaced my card, but have denied my claim 3 times now ( all within one day of submitting/resubmitting the fraud claim, so they apparently did not even look at the information I provided/faxed to them ). 

I have repeatedly asked for documentation of what was purchased, who was the merchant and for a copy of my signature ( which is required for use of my credit card ). I have not received any of these requested documents and the {$8.00}, XXXX has been removed from my banking account ( which I had to withdraw from my IRA account to cover, as I am XXXX XXXX XXXX and living on my social security/IRA ). 

It is bank policy that if such a large purchase is attempted, that some type of contact is made with the card holder to verify the purchase. That was not done and again, the charge was posted 7 months after the supposed purchase. 

Please look into this claim and the refusal of my bank to return my money for this clearly fraudulent charge. Thank you!
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to correct or remove inaccurate information from my credit report. Despite multiple disputes, they continue to report my co-signed account ( Account # XXXX, XXXX  XXXX XXXX XXXX ) as an individual account, which is false and misleading. 

This ongoing inaccurate reporting violates : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) : Obligation to ensure accurate reporting.

15 U.S. Code 1681i : Requirement to investigate and correct errors.

15 U.S. Code 1681e ( b ) : Duty to maintain maximum possible accuracy.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX Title Max gave me a loam on my XXXX XXXX XXXX. After they gave me the loan they raised so many fees and interest on me it was impossible to pay back the XXXX dollars they loaned because the interest was over XXXX percent I think. They came to my house the tow guy damaged the back of the car by just picking it up and dragging it without being fully latched to it. The car had a blue book value of around {$6400.00} and they never gave me a dime when they sold it at auction. I've paid enough payments to them to pay back the XXXX dollars twice as I recall and it just kept going up and going on the interest and loan it was impossible. They stole a {$6400.00} dollar car from me and got paid back around double what they loaned me I think it came out to.
Product: Debt collection

For at least 6 months a company calling themeselves Portfolio Recovery have called me at least XXXX times from various telephone numbers ( recently on XXXX/XXXX/2015 from XXXX ) at my telephone number using robocall. They leave a telephone # to for me to call. I have called this telephone # and instead of they telling me the name of who they are looking to collect from, they insist that I give them my name. I told them that for privacy reasons I do not give my name to any caller that calls me and do not give the name of who they are calling. I have told them several times not to call me back as I have I do not owe anybody. I have even run a credit report on me and on my wife and there is nobody trying to collect from us nor are there any overdue accounts. They have no right to demand that I give them my name. They should only ask for who they are looking to collect from, at which time I would tell them whether I am that person or not. I consider this harrassment and an attempt by them to invade my privacy. They must be harassing a lot of innocent people, most of which do not know how to complain. The company can use my telephone # to match me against their records ; but I will not give them my name. I am also in the National Do Not Call registry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax revealed that they were affected by a data breach in which criminals gained access to 143 million Social Security numbers, birth dates, addresses, names, and some driver 's licenses. 

According to Equifax 's website at XXXX XXXX XXXXXXXX  my information was taken. 

Equifax exhibited extreme negligence in allowing this breach to happen since my personal information was not properly stored, secured or encrypted. 

Equifax has provided a free fraud protection service, however in order to obtain these services, you must waive your right to participate in any class action lawsuits against the company, according to this clause in their terms of service : AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. 

This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near XXXX effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations 8 )  Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX  information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.
Product: Mortgage

I am launching a second complaint against Nationstar/champion mortgage of Texas. My initial complaint was placed XX/XX/XXXX and their response XX/XX/XXXX. This company has claimed all along that the discrepancies in the letter of intent - XXXX I, was what led them to filing the foreclosure proceedings against the property. I repeatedly faxed the information that was asked for beginning XX/XX/XXXX. If this matter could have been resolved with the letter of intent the pending Sheriff sale or possible discrepancies that have arise from this matter could have been avoided. I am requesting an as the mortgage company has claimed that I am entitled to the documents that they based their denial of the letter of intent upon. In the past 15 months illegal proceedings with the Court XXXX in XXXX XXXX Ohio have de-evolved from the actions of the plaintiffs law firm. There was not adequate notification and on further investigation a person name XXXX XXXX, was supposedly notified or was the person that stopped the short sale process from the mortgage company on the property that is in question. I am still trying to determine who is XXXX XXXX and how would he have the authority or the rights XX/XX/XXXX to disrupt the short sale? Champion mortgage claims that they notified XXXX XXXX XX/XX/XXXX that short sale proceedings could occur if myself as the defendant would comply. Through the law firm that was representing me and my person I never received any such notifications. This was also pointed out to and confirmed by XXXX XXXX XXXX, management analyst for the national servicing center of housing and urban development XX/XX/XXXX. This matter has now been from that timeframe referred to a Sheriff sale XXXX in question is scheduled XX/XX/XXXX This is wholly unfair and patently unethical as to the actions of Nationstar/champion mortgage. 
They also sent occupant conveyance HUD forms in XX/XX/XXXX which XXXX XXXX confirmed that these forms should not have been used or the scare tactics that the mortgage company was implying was false and incorrect. They also sent court documents to their residence and property in question to " occupant ''. How is it after 17 months the mortgage company could send an official document to an address the listed as occupant and expect a tangible reply? The law firm that was representing me has now withdrawn from the case either because of their knowledge of similar types of cases and that it is headed towards either the short sale or the unfortunate reality of a Sheriff sale with in 30 days time. The fact remains that I had the ability to discharge this debt over 14 months ago. The subsequent court dealings and extreme levels of subterfuge and misunderstanding has been from the plaintiff 's law firm and in response the law firm representing me attempted to offer the HUDXXXX forms and offers of short sale only to be rebuffed by the mortgage company and its law firm. As I am patently stating that the XXXX notifications for offers of a short sale process were never received. I am filing this complaint in hopes that your Bureau can resolve this as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you are in violation of the FCRA for reporting an inaccurate account on my credit report. You are reporting that the account XXXX XXXX XXXXXXXX was charged off in XX/XX/XXXX  which is not true. This account was paid and closed. There should not be a delinquent reporting on this account. XXXX and XXXX has this account closed without any delinquent or payment history listed so how is it that Experian is reporting adverse information when all data furnished should be the same? I am requesting that this account is updated due to violation of 15 US Code 1681a ( 4 ) by reporting mis-information. I will upload the incorrect credit report and my proof of identity. This account should be updated within 15 days or I will be forced to take legal action becuase this incorrect information has hurt my credit profile far too long.
Product: Money transfer, virtual currency, or money service

XXXX user “XXXX XXXX XXXX XXXX” asking for donations for XXXX year olds XXXX Treatment. XXXX  diagnosed with XXXX XXXX. Not been to hospital for treatment according to inquiry. “She’s with her grandma right now. She isn’t in the hospital yet  We need to raise more money for her to get her treatment“Asking for donations on cash app XXXXTried to contact Cash app but no way to contact without setting up account on cash app. This should be illegal. There should be customer support phone and an email. Only To receive automated instructions over the phone, please call XXXX. To reach us by mail:Cash AppXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXI don’t use cash app and do not intend to ever!
Product: Credit reporting or other personal consumer reports

I have recieved your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Would zelle someone thinking they received it and I would spend the money then when it didn't go through I was charged overdraft fees
Product: Mortgage

On XX/XX/XXXX  I reached out to XXXX to ask why my new mortgage holder was not reporting that they are servicing my loan. I asked this because it is not showing on my credit report and shows that the loan has been paid in full. This is negatively affecting my credit score. They told me the new bank ( RoundPoint Mortgage Servicing, LLC ) would need to report this to the credit bureaus. I called the new bank and they informed they will not report it for 60 days and did not explained why they wouldnt report it earlier. In the mean time my credit score has been negatively affected by XXXX points without me doing anything at all.
Product: Payday loan, title loan, or personal loan

Heights Finance XXXX IL did not even reach out to me or offer me help with mt payment after running behind this month, before they threw a 30 day late onto my credit reports on XX/XX/2021 which dropped my credit score XXXX pts and it was already low at XXXX not because I do not pay well, had excellent pay history but because of my student loan debt! They are already gouging me for almost 40 percent interest and I had a perfect pay history and work for the XXXX XXXX XXXX XXXX!!! I want them to help me get current, lower my interest and remove that 30 day late!! I am a XXXX widowed mother doing all on my own and need some help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 NEGATIVE ACCOUNTS : XXXX  XXXX -XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I was scammed on XX/XX/XXXX I reported to the Federal trade commission and followed the steps about calling my banks, I called capital one and they told me they were going to open a case and ask me for more information if needed I told them I did the charges myself but was being scammed, I received an email on XX/XX/XXXX saying they closed the case and it was not considered a fraud so I called them and the agent told me not to worry about the charges because the case was closed and it was considered a fraud, when I received my card on XX/XX/XXXX the charges where there even thought they had already removed the charges back on XX/XX/XXXX and told me not to worry, so I called them again on the XXXX and said that they couldn't do anything.
Product: Credit card or prepaid card

Synchrony Bank has selectively acted in bad faith with me. First, Synchrony Bank closes my Care Credit when I had paid the total balance to zero. I made all the payments on time. XXXX, I applied for Sam 's Club Credit card and Synchrony Bank issued me a Sam 's Club Master Card for {$2500.00}, when my credit score was the lowest due to XXXX XXXX XXXX in 2019 illegally, 3 months later they restored my payments and benefits for myself as my son as his caregiver. This was at a time when my credit score was XXXX. I don't know how to explain to them that It's not something I did or am doing. Then they give me a story that I have to many inquiries or that I didn't ' pay on time, but it's not true! Just today I get an email Synchrony saying Thank you for your dispute. But when I logged onto my account, to my shock and disbelief Synchrony once again reduced my limit from {$760.00} to {$250.00}, without any valid reasons. The thing is that my checking account 's number change to a different number due to fraud. So then XXXX XXXX  servicer when I pay with my new bank account, the payments get returned even though my bank account is valid, it's just a new number, same bank. I've explained to them, but it does not matter, since their dictatorship says that I have a bad score, but don't verify with me the validity. And next month my credit score is going to be fixed because so many without my authorization keep inquiring the credit bureaus. In other words, Synchrony is acting as it's own jury and judge without due process nor notifying me if what they reviewed is true, but it's not. I do have a XXXX XXXX XXXX by Synchrony that I've had for over 20 years, but fortunately, Synchrony leaves it alone and my credit limit is {$4000.00}. So, they discriminate against me, picking and choosing what credit to approve and which XXXX Synchrony don't scrutinize. Therefore, I beg Synchrony not to hurt me this way, I'm still the same person that I was when my score was XXXX. I plead to Synchrony to be fair for my best interest not for some records that contain a great deal of misinformation. I think the length of time I have been making payments on time should suffice. Please Synchrony, I changed a bank account number only, and I'm not the one that returned the payments. It's just that XXXX has not done it's job. Please help me. Thank you, so very much and XXXX XXXX XXXX. Please make my XXXX XXXX XXXX.
Product: Debt collection

I have sent several letters to the company asking to send me the below information. The company has changed the amount that is owed and dates several times. to have this to stay on my report trying to force me to pay for a debt that is not mines Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation.

Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing your response to my dispute letter of account : Creditor : Account : Reason : Experian didnt do a proper information I have received additional relevant information for you to fix this inaccurate account here. So how is it that you already verified the accuracy of the account when the lender told me that I made my payments on time? I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting. 

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 

Im carefully tracking all correspondence with your company. 

I think 30 days should be long enough for your company to complete this investigation. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX bill payment services processes the bill payment services for my credit union. On XX/XX/2018 XXXX issued 2 checks for XXXX XXXX XXXX XXXX XXXX  Check 1 Payee : XXXX XXXX XXXX XXXX XXXX Amount : {$260.00} Cleared : XX/XX/18 XXXX Case # XXXX Check 2 Payee : XXXX XXXX XXXX XXXX XXXX Amount : {$230.00} Cleared : XX/XX/18 XXXX Case # XXXX The checks were delivered to wrong person and cashed by the wrong person at a Bank of America branch. The canceled check images show that the following endorsement stamp information : Wrong Payee : XXXX XXXX XXXX XXXX confirmed the that correct payee did not receive the checks. They attempted to contact XXXX XXXX XXXX but were only able to leave voice mails with no response. XXXX submitted a request to Bank of America for a credit return in XXXX XXXX. 

During monthly updates from XXXX, I have been told that Bank of America just doesn't see the charge return request of {$500.00} big enough to bother with. 

I need Bank of America to recover the funds deposited into the wrong payee and return the funds.