23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My account was compromised, and Paypal Synchrony bank did nothing to stop this. Instead, they closed the account and a month later sent out a balance due. 

This started as my login information was compromised. This first fraud transactions were attempts to pay 3x more than my balance in full from my bank account. I caught those transactions and my bank prevented them. I spoke with PayPal and was told everything was fine and to let the charges go through. I said absolutely not. Once that situation was resolved the same fraudster tried to make XXXX purchases from XXXX and 1 purchase that was to be shipped to an address near the airport in XXXX. I live in MA. 

Instead of protecting me, PayPal SB, closed my account because I stopped payments on the XXXX fraudulent payments from my bank account. I then received a letter stating my account was closed and to make payments but no explanation why or how they determined the balance. 

Since that time, I received telephone calls almost daily. I have the times of the calls recorded and saved the messages.
Product: Payday loan, title loan, or personal loan

I have sent letters and affidavits to the CEO of OneMain Financial ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 15 USC 1692 et seq. to give knowledge of the facts regarding OneMain Financial Accounts.Including the personal loan agreement, account ledgers and bookkeeping entries. I have requested if OneMain Financial used its own money, money equivalent, credit or capital, or that of other depositors, as adequate consideration to purchase the loan agreement and notes from the borrower. I have requested validation that OneMain Financial does not follow Generally Accepted Accounting Principles ( GAAP ) or the Federal Reserve Banks policies and procedures, and did not create credits from the Borrower holders signed receipts, promises to pay, notes, or other instruments.I have sent a certified letter and affidavit to be notarize of this information twice. OneMain Financial did not do so instead they gave me verification of the loan not validation. OneMain Financial is requesting payment on a fraudulent loan.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of XXXX I bought a rug from XXXX XXXX on my XXXX XXXX credit card - a card that incidently has a 12 month no interest plan. The rug was to be delivered in a couple of weeks. I continually received emails that the delivery was delayed. Finally in XXXX of XXXX I bought a different rug and cancelled the XXXX XXXX order. However an attempted delivery was made and I refused delivery of the rug. I did not realize that the company sent a charge for the delivery of the rug and I spent a great deal of time working with the credit card company to have the charge reversed which they did in XX/XX/XXXX. 

I am now in the process of refinancing my mortgage and my credit score has dropped significantly so I checked my credit report and found that I am showing a 30 day late payment for XX/XX/XXXX. The report also shows no payment made to the account after XXXX of XXXX - the month I paid off my prior purchase which I paid off in 12 months without incurring interest. It also shows a XXXX balance for XX/XX/XXXX - proof that the charge was reversed without me making a payment. This item should not have appeared on my credit report. 

I have disputed this item with all three credti reporting agencies and have disputed it twice with XXXX already. XXXX has responded to both disputes stating that I was indeed 30 days late - aparently because that is what is showing up in the public record. 

The customer service repersentative for XXXX stated that I should dispute directly with the credit card company which I attempted to do. The company ( XXXX XXXX ) acquired the XXXX XXXX card a few months ago and the representative says that they have no record of the charges or the history of the account prior to the acquisition. They say that I need to contact the original company that provided the XXXX XXXX card. I called the back of my credit card and it sends me to XXXX XXXX so I have no way of knowing who to contact and how to contact them. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/22 I disputed incorrectly reported information on my credit report and this is in violation of my rights. I further Request the original contractor that I signed with be required to provide " proof of the debt as well as billing statements for the last several months and the ORIGINAL CONTRACT that was signed by ME to open the account '' as no such documentation exists. Therefore the accounts MUST be deleted pursuant to the law under : 15 U.S. Code 1681. 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  All Banks XXXX XXXX XXXX XXXX All Banks XXXX XXXX Auto Financing XXXX XXXX  Auto Financing XXXX XXXX  Auto Financing 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: Credit card

I have a credit card with my ex-wife that is seven years old. I did n't realize it was never taken care of and was never contacted of this debt. Come to find out that the credit card is at a law firm and they increased the balance over {$2000.00} on top of capital one increase for late fees and interest. The credit card started out with a {$3000.00} limit. Now the balance is at XXXX. I 'm willing to take care of the debt but nobody 's willing to contact me back to discuss pay off or payments. Please let me know what to do I ca n't afford a lawyer. and they wo n't talk to me?
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statement and payment confirmation. 
I have confirmed with my creditor that the payment was processed on time, and there was no delinquency on the account. 
There may have been a clerical error in reporting the payment, leading to the incorrect late payment entry.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have a auto debt reposesion since 2010 in my credit report. Is more than 7 yrs.
Product: Debt collection

National Credit is in violation of the FDCPA. The are also in violation of the Fair Credit Reporting Act. Under 609 Section of the Fair Credit Reporting Act I disputed this debt against XXXX XXXX  and the validation proof of debt owed and they had to remove from my credit report due insufficient evidence of debt. XXXX now has sold the debt to National Credit who is reporting falsifying information on date account opened, never has notified me nor can reopen a debt already sufficed has false. National Credit can be sued under FDCPA in State and Federal Court for damages and false reporting. Delete immediately from my credit report of all three credit bureaus.
Product: Student loan

I took out a XXXX improvement loan from XXXX which now has split into XXXX companies XXXX and Navient. My loan was moved over to Navient. As per their instructions I use the new loan number supplied to pay my loan monthly through my online bill pay. On the last three months I get statement that have late fee penalties stating that my loan is delinquent when the loan was paid before it was due. My bank statements show that Navient withdrew the funds, but when I go online and look at my account it still shows delinquent. I tried speaking with their customer service and they stated that they did not receive the payment when my bank shows a payment to them for {$60.00} on XXXX/XXXX/15 the loan was not due until XXXX/XXXX/15. The same thing happened the previous month and it took repeated phone calls to get the matter cleared up and the late fees refunded.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXX CXXXXe XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and for that reason I placed a fraud alert on my credit report with all 3 bureaus while I fix inaccuracies and unauthorized accounts and inquiries. I was able to get most information removed thru written disputes, which I notarized and sent certified mail to each collection agency and then to each bureau. XXXX, Equifax and XXXX. I was successfully able to remove information from XXXX and XXXX. However, Equifax and the collection agency XXXX XXXX has given me a very hard time. I sent a certified letter to XXXX XXXX asking them to validate a medical collection, that I have no knowledge of. They NEVER responsded to my letter. According to my return receipt, it was signed for by XXXX XXXX on XX/XX/18. I then sent disputes of these medical collections to Equifax. My first letter was received and signed for on XX/XX/XXXX. I'm not able to make out the name from the signature. They sent me dispute results dated XXXX stating the the accounts had been " verified ''. I immediately sent them another dispute requesting proof of how this debt was verified or any type of supporting documentation since the creditor refuses to furnish any documents. My second dispute was received by Equifax on XX/XX/XXXX and on XX/XX/XXXX they sent me an email stating my reinvestigation had been started. As of today, XX/XX/18 Equifax has again stated that these accounts have been " verified '' but have not done ANY investigation or provided proof of how this account was verified to be mine. I have no knowledge of this debt and I am concerned that this may be a service that was obtained fraudulently with my information. I demand that these account be verified by either Equifax or the original creditor and if they can not be, then i demand they be deleted as they are affecting my creditworthiness.
Product: Mortgage

I took out a mortgage with XXXX Mortgage in XX/XX/XXXX. The monthly payment is {$1300.00}. I have been paying $ XXXX monthly since the start of the loan with no issues. XXXX  sold the loan to Flagstar Bank in XX/XX/XXXX. I continued to make $ XXXX  monthly payments. The first payment on XX/XX/XXXX the split to make a {$1300.00} payment for XXXX and a {$1300.00} for XXXX. The residual was applied {$230.00} was applied to principal in XXXX. I made a {$3000.00} payment on the XX/XX/XXXX for XXXX and all of it was applied to the loan principle. I called XXXXlagstar when I noticed this and asked that they apply all of the {$3000.00} to the first of the month payment. I was told the interest worked out the same as if the entire {$3000.00} was applied the the current month payment. In fact, by breaking up the payment as they did, I paid an additional {$4.00} in interest. This pattern continued with the {$3000.00} payment made on XX/XX/XXXX with the payment split to pay XXXX and XXXX. Another call and request to apply the entire {$3000.00} to the current month payment and to reimburse me the interest over charge. The issue has not been resolved with 2 more calls. I have been given a list of reasons why they can't seem to fix this problem. On or about XX/XX/XXXX, on a call with a loan representative, she recommended I split the payment in XXXX and make a payment at the XXXX of the month and an equal payment in the middle of the month. I did that and sent a letter to the Flagstar corporate headquarters. Since then, they have tried to partially correct the problem an in doing so, They took the XXXX payment to resolve the XXXX issue and sent me a leeter stating I was in arrears on my XXXX payment and charged me a {$69.00} late fee on XX/XX/XXXX. I was told this was reversed on XX/XX/XXXX, but I see no evidence of that in my current account transaction summary. They have my total payments so far correct, the interest is about {$8.00} high and the mortgage principle relfect the additional {$69.00}. I have attached a copy of the letter I sent to Flagstar Corporate headquarters. It includes a spread sheet with what I expected the bank to do with my payments and how they actually applied my payments. My most recent call XXXX XX/XX/XXXX ) ended with a statement that they have trouble with bill pay from other banks and a promise to " try '' to fix the problem even though they generally can only go back 2 months XXXX not acceptable ).
Product: Checking or savings account

A few months ago I started receiving emails from PNC stating that I had an account that was low on funds. I immediately contacted them by telephone to explain that I had no account with them and to please remove my email from the account in question, as these alerts were clearly not applicable to me. Despite repeated attempts to call and email them to stop this practice it has continued on a daily basis. I do not know if someone has stolen my identity and is using my email for a fraudulent account, I really have no idea what is happening here, but PNC is clearly non-responsive to my concerns.
Product: Checking or savings account

We have an XXXX with UMB.over $ XXXX was fraudulently spent at XXXX XXXX in odd increments of like XXXX over and over again in an obvious fraud manner until they cleaned out the account, UMB changed their statement mailing frequency to quarterly, so as this started in early XX/XX/year>, we didnt catch it til they mailed the statement in early XXXXwe immediately called them and claimed the fraudulent activitythey said they would immediately get back to usthey did notthis pattern has happened almost every week, no one gets back to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I believe I have been a victim of identity fraud. My information must have been compromised during the XXXX hack or elsewhere because I have accounts showing on my credit report that have no connection to me nor did I ever do business with. Please help me get this issue resolved and get my credit report back to normal before these accounts showed up. They are a credit center company and its reporting 3 times which is super suspicious and also a receivables outsourcing looks like another collection company also and a eastern account system which is also reporting twice. I would appreciate your professional help in this matter. Thank you.
Product: Debt collection

i bought a laptop to dell using dell credit card. i bought it online. i returned the item due defective item issues. I received a mail to make a payment from Comenidy back which is the financial company that dell use it. Dell thorough XXXX sent me a confirmation that the laptop was received, including the credit back to my account. I made several courtesy calls to both Dell and comenidy bank. Both companies told me that i should talk to the other party when i call them. Comenidy told me that they still not receive from Dell the conformation that i got credit back to my account when i returned the laptop.

i still receiving mails of payment and now my credit score is going down because i am not paying the mails. 

The last call I made was to XXXX that is in the XXXX  file.
Product: Credit card

On XX/XX/XXXX I Called XXXX Credit Card Company About All The Extra Fees On My Account, {$15.00} Insurance fee, {$12.00} acct maintenance Fee EVERY MONTH! The {$15.00} Fee may not have been cancelled which is draining the card I Rarely Use & The Balance goes down $ XXXX after all the interest fees. Then XXXX the Annual Fee with many others the payment went up $ XXXX. To {$76.00} now. On XX/XX/XXXX I called XXXX- I Told Them To Close My Account Adamantly -THEY WOULD NOT! They repeatedly, for 5 minutes, insisted They would Refund the Annual Fee as Credit & Another fee I thought was taken care of months ago Now They Recharge The Annual Fee as if I'm going to keep standing by getting my money taken by a company that won't let me settle anything because I Really Really Hate this Credit Card Company which is why i RARELY USE THE CARD ANYMORE! THEY RAISED THE CREDIT LIMIT LAST YEAR SO THEY COULD MAX IT OUT WITH MORE INTEREST & MORE FEES LIKE I DON'T NOTICE THEY XXXX ROBBING ME SOMEHWERE SOMEHOW EVERY MONTH XXXX XXXX CREDIT HAS TO STOP I AM CLOSING MY ACCOUNT NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I notice several inconsistencies regarding the account DEPT. OF EDUCATION/NELNET # XXXX in the amount of {$56000.00} and {$66000.00} and DEPT. OF EDU/XXXX XXXX XXXX XXXX XXXX and XXXX reported closed {$0.00} balance on XXXX XXXX and is only reporting these accounts on TransUnion Report, XXXX is reporting Unfound Data. I have tried to obtain my XXXX credit report that has a freeze I did not authorize. XXXX is reporting a balance of {$66000.00} a current payment status and TransUnion is reporting a balance of {$66000.00} and {$56000.00}. Now all three of these balances cant be accurate. In addition, These accounts appear to be furnished by the same creditor so why is all the provided data differently? It is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so. Please INVESTIGATE, REMOVE/DELETE THIS ERRONEOUS ITEMS IMMEDIATELY. Let this be a formal complaint against Trans Union, XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

I was tricked into thinking I was sending {$2500.00} to my friend but his account was hacked. I thought I was talking to my friend but it was the scammer. I was trying to buy his used car but it was a scam thru XXXX. I filed a police report and 2 inquiries with PNC Bank and they wont return my money or cancel the transfer to the fraudster. Its all I have and I was tricked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just read about the Equifax security breach. I went to their website and followed the steps to see if I was affected. It stated that I am affected. I went to place a freeze on my credit and all 3 credit bureaus sites did n't work.
Equifax 's response and notification about this breach is completely pathetic. Thry have failed on every level. It is their duty to notify people about the breach and offer a free credit report and monitoring for more than 90 days.
Product: Credit card or prepaid card

Wells Fargo has credited my charge card for a cash advance of {$500.00} on XX/XX/2019, at a Wells Fargo Bank ( WF ) located on XXXX XXXX XXXX. XXXX, GA XXXX. I did not conduct this transaction. I have been in dispute with WF since this time through written request. WF argument is that because the card was in my possession and contains a chip, I conducted the transaction. I have asked WF for additional proof, i.e., video, documentation, and any other proof available which has been denied. WF has requested that I file a police report, of which I have complied and have now forwarded a copy to WF. 

WF case # XXXX