23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

They're trying to collect {$610.00} from me but this debt is not with them it's with XXXX XXXX in XXXX XXXX has sold it to them and they have no proof that I owe the debt with them thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent dispute for inaccurate information by a furnisher XXXX XXXX results stated it was certified as accurate and remains unchanged on my consumer report. I have disputed this account with you and the furnisher multiple time and yet it remains unchanged and inaccurate. I have provide documentation that shows the information been furnished is in fact inaccurate, such as the payment history, actual balance, date of account closure and account status. I DEMAND THIS ACCOUNT BE REMOVED FROM MY CONSUMER REPORT as I have dispute this account multiple time to correct the inaccuracy and and you have failed to do so. PLEASE REMOVED THIS ACCOUNT FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them.

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I filed a complaint with the CFPB on XX/XX/2022, in regards of my account being closed for " high risk '' purposes. On XX/XX/2022, Fifth Third Bank responded to my CFPB complaint stating that " Fifth Third has determined that the activity in your account did not fall within our underlying acceptance of risk ; therefore, the decision was made to close the account. '' As detailed in my original CFPB complaint dated for XX/XX/2022, I requested for Fifth Third Bank to provide me detailed reasoning on why my account was closed, Fifth Third Bank has failed to provide me the detailed explanation on why my account was closed. Fifth Third Bank states that the activity in my account did not fall within their underlying acceptance of risk, so my question and concern still stand- WHAT ACTIVITY IN MY ACCOUNT FELL WITHIN THE UNDERLYING ACCEPTANCE OF RISK? Please be detailed of the specific transactions, dates and amounts regarding the activity that has been referenced to regarding the closure of my account. My original complaint concern has not been addressed nor answered- CFPB please help assist in resolving this issue soon. Thank you.
Product: Credit card

When I made my purchases with best buy the customer service representatives never said anything about having a deferred interest promotion all they said was 12 months interest free ... NOTHING WAS EXPLAINED OR SHOWN TO ME ABOUT DEFERRED INTEREST!! I feel completely taken advantage of and abused by this bank because I have large payments I ca n't afford and did n't plan on having on my account. I want at least some of the interest waived and a payment plan that will help me get this account paid down or I will continue complaining to every agency I can find
Product: Credit reporting or other personal consumer reports

XXXX  XXXX shouldn't be reporting verified if the debt has been paid. I'm also seeing that XXXX XXXX is reporting on my credit report that I didn't give any consent to anyone to open. I would like for the accounts to be removed from my file.
Product: Debt collection

I do not owe this place a dime its a scam do not call me again
Product: Credit reporting, credit repair services, or other personal consumer reports

at XX/XX/2021 in went town then floor and decor to buy some stuff I needed for mine new house I bought about 1 month ago and the employer of the store told me to apply for a credit cart with them, I asked him I don't want hit mine credit score and he told me we don't hit your credit score and then I applied and after few seconds I had notification on my phone from XXXX  and says new hard inquiry, so the guy gave me wrong informations or he lie to me, then I got mail from the COMENITY CAPITAL BANK and says mine application decline, is not fair because mine credit score profile is almost perfect with XXXX XXXX score and 100 percent payments on time etc. 
I would like to dispute thank you
Product: Credit card

Formal Request for Reinvestigation ATM Dispute with Citi ( # XXXX ) I am formally requesting a reinvestigation and regulatory intervention regarding my unresolved ATM dispute with Citibank, XXXX # XXXX. Citi has failed to conduct a proper and transparent investigation and has not provided any substantive evidence supporting their claim that my {$380.00} was not retained by their ATM. 

Key Issues with XXXX  Investigation : Failure to Provide ATM Balancing Records : Citi has refused to furnish ATM balancing records for the date and location of my transaction, which are critical in determining whether an overage existed in the machine. 
These records are industry-standard documentation used to confirm whether excess cash was present at the end of the business day. 
XXXX XXXX on Receipt Requirement : Citi has denied my claim solely based on the absence of a receipt, despite my repeated statements that the ATM failed to issue XXXX during the transaction. 
A receipt is not the only means of verifying an ATM malfunction or missing deposit. The bank has alternative verification methods, including machine logs, internal reports, and security footage. 
Failure to Review Security Footage and Transaction Logs : Citi has not demonstrated that they conducted a review of ATM security footage or internal machine logs, both of which would provide clear evidence regarding whether the machine retained my funds. 
It is standard practice for financial institutions to maintain ATM surveillance footage for a period of time and log all transaction errors within their internal banking systems. 
Requested Action from CFPB : Due to XXXX  failure to provide supporting documentation and their dismissal of critical evidence, I am formally requesting the CFPB to : Require Citi to provide ATM balancing records from the date of my transaction, proving whether an overage was present. 
Demand Citi produce internal ATM logs and security footage related to the disputed transaction. 
Hold Citi accountable for conducting a thorough and transparent investigation rather than relying on procedural denials. 
This case remains unresolved due to XXXX lack of due diligence and refusal to provide supporting documentation. I request the CFPBs intervention to ensure that Citi is held accountable for properly handling consumer disputes and adhering to banking industry standards. 

I appreciate your prompt attention to this matter. Please confirm receipt of this request and provide any next steps for review. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX {$3100.00} PERFECTION COLLECTION LL XX/XX/XXXX {$400.00} PROFESSIONAL COLLECTION XX/XX/XXXX {$340.00} PROFESSIONAL COLLECTION XX/XX/XXXX {$920.00} XXXX XXXX XXXX I XX/XX/XXXX {$1100.00} XXXX XXXX XXXX I I have sent letters multiple times even file dispute cases with each credit company and nothing has happen
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious issue regarding incorrect information reported by Equifax, which has adversely affected my credit score and, consequently, my ability to obtain necessary medical procedures. 

On XX/XX/scrub> 2025, I submitted a dispute through Equifax 's website regarding an incorrect balance reported on my XXXX account. This account was paid in full on XX/XX/year>2025. However, on the same day I filed my dispute, I received a statement from Equifax confirming that the balance was correct. This response was shocking, as it directly contradicted my records and the fact that the account had been settled. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a thorough investigation into disputes and ensure that the information they report is accurate. By failing to investigate adequately and confirming incorrect information, Equifax has violated my rights as a consumer. This failure not only resulted in an inaccurate credit report but also led to a significant drop in my credit score. As a result, I was denied a critical medical procedure that I needed. 

I urge the Consumer Financial Protection Bureau to take action regarding this violation of my rights and to ensure that credit reporting agencies adhere to their obligations under the FCRA. I am also seeking guidance on how I can rectify my credit report and recover from this situation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I went into Experian dispute center to remove 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 old/outdated personal information relating to credit report # XXXX that I do not want on my personal credit report there are U.S codes in place that allow me to update my consumer report. Experian is not letting me remove old information. I feel as if Experian is profiting off my personal information. I should be able to dispute old addresses that I do not even reside at. It is causing me emotional distress to not be able to remove information that they did not have my permission to make public. They are abandoning their grave responsibilities for greed and profits. They had no permission from me to furnish anything on my credit report but they continue to do it anyway.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Late/closed
Product: Debt collection

Paid debt owed as a settled in full, letter is attached. Capital One refuses to update my credit report accurately and is damaging my reputation, credit and score. I was told once paid this collection and incorrect late payment history will be removed. 

I spoke with Capital One on XX/XX/2019 they are refusing to update my credit report even though I have evidence proving its paid. Also, I have inaccurate late payments reporting that need to be removed. 

In a prior conversation with Capital One they said they would report my paid off debt within 22 days. I pulled my report after the 22 days and seen they reported new but a remaining balance still and late payments which are both not correct.
Product: Credit card or prepaid card

Summary : I am a holder of the American Express XXXX XXXX XXXX credit card. The card comes with one free night award valid for 12 months after issuance, good for participating XXXX hotels for redemption level at or under XXXX XXXX XXXX points. This free night award certificate was deleted from my account before expiration date. I had been given the runaround when I tried to call to follow up and not going anywhere. 

What happened : XX/XX/XXXX American Express charged me {$450.00} annual fee for the American Express XXXX XXXX XXXX credit card. I paid this fee on my card. 


XX/XX/XXXX The XXXX XXXX XXXX points free night certificate was deposited into my XXXX XXXX account, expiration date XX/XX/XXXX. Please see attached email in complaint. 


XX/XX/XXXX I called into XXXX XXXX to have the free night certificate extended as I was not able to travel last year due to all the covid travel restrictions. XXXX XXXX customer representative told me that I would get the XXXX year extension as a one time courtesy. However, she ran into a system error, and the cert was deleted from my account. A case was opened on my behalf to have a cert with one year extension reinstated in my account. Case # is XXXX. 


XX/XX/XXXX I got an email from XXXX XXXX from XXXX XXXX Customer Care, saying the he was not able to extend the expiration of the cert. This contradicts what we were told from the customer rep. There was also no mention of the cert that has disappeared from my XXXX XXXX account. 



XX/XX/XXXX I called into XXXX XXXX to follow up on my missing certificate. A different customer representation reopened my case ( Case # XXXX ) and told me I have to wait for someone to resolve the case. Meanwhile I can not use the cert still since it is missing from my account. 

How I would like the matter to be resolved : There are two options for American Express to go from here : 1 - Please refund my {$450.00} fee that was charged on my American Express XXXX XXXX XXXX credit card on XX/XX/XXXX as the promised free night award certificate is not available for me to use 2 - Please reinstate the free night award certificate in my XXXX XXXX account with the one year extension promised by the customer representative. I had gone on trips while the certificate was missing and I had to pay out of pocket for my hotel stays as I was prevented from using the certificate as it was not available to me. I would like to have the one year extension as promised to be made whole since the certificate was unjustifiably deleted from my account.
Product: Money transfer, virtual currency, or money service

I was selling an item on XXXX marketplace. The buyer wanted to Zelle me the money. He said he Zelles the money but it came from a fraudulent email. He is a scam artist and should be arrested. His email is XXXX He Zelle me from XXXX Here is the Zelle email PAYMENT RECEIVED FROM A BUSINESS ACCOUNT Status : ( ON HOLD ) Dear customer, You received a payment of {$420.00} from account XXXX the payment as been deducted from the payers account but pending to be credited into your account because this amount exceeds the limit of your PERSONAL account can receive from BUSINESS accounts. 

XXXX ; Contact the payer immediately to send an additional payment of {$200.00} into your account to upgrade and expand your account limit. Soon as this is done, we will credit your account with the total sum of {$620.00} We have also sent a notification to the payer regarding the {$200.00} additional payment he/she has to send to you, we will secure this transaction with high priority that neither the buyer or the seller will lose a dime in this transaction. 

PLEASE NOTE Transaction cant be reversed or canceled until this process is completed. 

All transactions are being monitored by our agents and also insured with a XXXX XXXX. 

XXXX Early Warning Services , LLC.

Zelle and the Zelle related marks and logos are property of Early Warning Services, For Assistance, contact the support number below ; XXXX ( XXXX ) XXXX Thanks For Using Zelle
Product: Checking or savings account

In the month of XX/XX/XXXX I was debited {$50.00} bc supposedly in XXXX they changed my account to an XXXX Account without my permission. The rule with this type of account is you can not go below an average of {$50000.00} a month. Weve been banking with them since XXXX. I have never been charged an account fee. 
So they should not have changed my account type without my permission. I never received a phone call or an email asking me permission. They switched me over without my permission. Thats wrong. I asked them to switch it back but they need me to go to a branch location. So they need my permission to switch the account back to the original account but they dont need my permission to change the account.
Product: Mortgage

I purchased my home in  XXXX  for {$110000.00}. We had a second mortgage of {$10000.00}. I filed Chapter  XXXX  Bankruptcy in  XXXX . My payments were made on time during the bankruptcy. I was paying two payments to the company. One payment for the arrears and  one  payment for the current payment. My bankruptcy was successfully discharged in  XXXX . After my bankruptcy, my mortgage company proceeds to tell me that my balance on my first mortgage is {$99000.00} and the balance for my second mortgage is {$10000.00}. I have written letters, called the mortgage company and was told someone would call me back. I have reached out to my attorney who asked me to contact the mortgage company. I 've tried contacting the Trustee who sent the payments with no response.  <P/> I was willing to work with everyone but now that I have paid over {$70000.00} throughout the plan to the mortgage company, my attorney AND the trustee -- everyone seems to not know anything and are n't trying to rectify the situation. The balance should not be the same as it was 12 years ago, when I have been making continuous payments.
Product: Checking or savings account

My checking account seemed odd. Not handled properly it seems. Loyal and proud member of Wells Fargo.
Product: Credit reporting or other personal consumer reports

It as been so long, I don`t have any recollection accept for, XXXX-tire that is all.
Product: Credit card or prepaid card

Name : XXXX XXXX Phone : XXXX e-mail : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I booked an award flight with capital one on XX/XX/XXXX redeeming XXXX capital one reward points ( Trip ID # XXXX with capital one, and Agency Reference Number is XXXX ) for 4 passengers flying one-way on XX/XX/XXXX from XXXX XXXX, CA to XXXX XXXX. The flights were reserved using capital one reward points to fly with XXXX airlines. The airlines ended up canceling the flight for what seems to be based on covid-19 concerns, but they were never reachable since before then. On the other hand, I tried communicating my request for a refund or flight credit with capital one, but they also indicated they are not able to reach out to XXXX airlines. I reached capital one via the following numbers XXXX and XXXX ( for their travel department ) since XX/XX/XXXX and throughout almost every month after ( more than 14 times and wasting many hours of being on hold and getting no where with them ), and they finally opened case # XXXX with their travel center in XX/XX/XXXX acknowledging that this is something they would be able to resolve. Capital 's initial claim back then was they would keep on trying to reach to the company for issuing me the refund, and they would give me monthly updates. The fulfilled that promise for 2 months only and then never called after, at which point I started calling them back myself again. On XX/XX/XXXX, I called capital one again, and they told me the company XXXX is out of business, and capital will be therefore refusing to refund the points back to me given that the company is not responding to them. 

My request is to at least refund me the XXXX capital one points back to my account given that the booking was fulfilled with capital one and I was never able to be even given that flight or a replacement.
Product: Mortgage

Back in XXXX XX/XX/XXXX My Mortgage Lender *XXXX* Turn My Mortgage Over To [ Fay Servicing ] ... I Attempted After Making 1st. Payment In XX/XX/XXXX To Get The Mortgage Set Up In A First Of The Month Status! So Payment Would Be On Time! I Was Told By [ Fay Servicing ] To Submit A *Loan Mitigation Application* I Was Not Delinquent At That Time! I Submitted All Documents Requested In XX/XX/XXXX Since Then I Submitted Documents 4* Times Total! Fay Servicing Keeps Making Excuses And XXXX To Me About My Application! They No Longer Return My Calls Or Emails And I Have Attempted Numerous Times! I Need Resolution In Order To Get Mortgage In Proper On Time Status! With No Response Other Then To Continue To Ask For The Same *Documents Over And Over*!? My Delinquent Amount Is Sinking Further! I Am Prepare And Had Been Over The Last 60 Days To Make Payments! I Did Make A " '' Partial Payment '' '' XXXX XXXX Only To Have That Return To Me!? Fay Servicing Is " '' Forcing Foreclosure " '' On Me! And Now That I Am Aware Of Them Involved In " '' Dual Tracking '' '' Behaviors I Know Now That They Have Been *Back Tracking* My Mitigation Application On Purpose!? ... I Need Imediate Resolve To My Application I Will Again Attempt Submitting Loan Application Documents On XX/XX/XXXX Only In Good Faith On My Part That I Am Trying! ... This Frustration And Stress On Me Was Not Neccessary And Should Have Been Resolve At Minimum 60 Days Ago!? ... I Ask Request " '' Urgent Attention '' '' And HELP ASAP! FOR [ URGENT RESOLUTION ] SINCERELY ... XXXX XXXX ... PLEASE HELP!!!
Product: Debt collection

XXXX XXXX XXXX Account Number XXXX According to my credit report, XXXX XXXXXXXX XXXX has filed a charge-off in the amount of {$5200.00}. In light of this, I am writing to express my concern about the lack of proper documentation associated with this charge-off and to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ). 

As per my understanding of IRS regulations, when a creditor charges off an amount owed by a customer, it is required to issue a Form 1099-C to the debtor. This form is crucial for accurate reporting of income and compliance with tax regulations. To date, I have not received any such form from XXXX XXXX XXXX, and I am concerned about the potential repercussions of not having the necessary documentation for tax purposes. 

Moreover, I believe that the lack of documentation from XXXX XXXX XXXX may constitute a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate and complete information be reported by creditors, and failure to provide essential documentation may result in inaccurate reporting on my credit file. 

In light of the above, I kindly request that you investigate the matter and ensure that XXXX XXXX XXXX provides the necessary documentation, including a Form 1099-C, related to the charge-off on my credit report. I am seeking clarity on the validity of this charge-off and require the proper documentation to fulfill my tax obligations. 

Please provide me with updates on the status of your investigation and any steps taken to rectify this matter. Your prompt attention to this request is greatly appreciated, and I trust that you will take the necessary measures to ensure compliance with the FCRA.