23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I paid {$240.00} for a merchant to buy a product for me in XXXX. The product cost XXXX {$180.00}, which is about USD {$200.00}. The mechant ( XXXX XXXX XXXX XXXX  ) charged additional fee as their for shipping and commission. However, they are unable to order the product. Then they cancelled my order, but refused to refund. I then filed dispute with credit card company. The credit card company decision is in favor of the merchant saying they provide their non-refundable policy. I agreed their non-refundable policy when I place the order as I believe once they can order and deliver the product to me. I won't return or request for refund if the product has any issue. But the problem is that they never order the product at all.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX D.O.B is XX/XX/XXXX. I have recently sent a complaint regarding my credit report. I have been told i was late in XX/XX/XXXX but then i saw on my credit report, XXXX marked me late in XXXX. I know i was not late & XXXX advised me as well that the XXXX late payment was marked wrong & will be taken off my credit report. I disputed the late payment with Experian & was told that XXXX XXXX told them the info is correct. I was told multiple times that the payment marked late in XXXX was incorrect.
Product: Checking or savings account

I was banking with Truist Bank with a checking account. In the beginning of XXXX I noticed when sending money to someone it kept declining. When I got off work I went to the local branch to understand what the issue was. The branch XXXX looked up my account a discovered that my account was under investigation for fraudulent activity. Thats all the branch XXXX disclosed to me. Advised me to call the fraudulent activity number. Which I have several times. I received a letter around the middle of the month of XXXX stating the same thing the branch XXXX said. My balance still remains as when they closed my account. I havent had any communication from Truist bank on this matter. Ive been calling and nothing has changed. The bank hasnt released my funds and it has been XXXX months now. This issue has put me behind on bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On behalf of my account please challenge the follow incorrect reporting tradeline I am requesting a full validation letter and prof of the original signed loan and reporting delinquent months.
Product: Mortgage

At the end of XXXX I got XXXX and had to miss XXXX  days of work so missed a full paycheck. I signed up for the forbearance plan and missed XXXX payment. I started making payments again and contacted the company every week for three months to get the payment moved to the end of the loan like I had been told would happen. After three months I was informed I only missed XXXX payment so I did not qualify and was instructed to go back on the plan and miss XXXX more payments in order to get the payments placed to the end of the loan. So I did what I was instructed to do. That was up at the end of XXXX. I called and thought I got the process started to move the payments, they told me they had submitted the paperwork. In XXXX I called to make the monthly payment and they refused to allow me to pay my regular payment. They say I have to pay a lump sum to catch it up. I sent in all of the paperwork and check stubs that they requested and still they have not done the modification to move the payments to the end of the loan and continue to refuse to allow me to resume payments. I need help to get this resolved before we lose our home.
Product: Mortgage

Our Mortgage Loan Servicing company Ditech has been illegally deducting fees that we do n't owe. We have tried since XXXX to get this issue resolved and continue to be given the run around. We have paid an additional {$44.00} each month for over a year for a home warranty. This payment has been included in our monthly mortgage payment and we have never been late nor missed a payment. Ditech took extra money from our escrow stating that they advanced payment on our behalf to the warranty company. This does not make any sense because we pay the warranty every month and there was no need for them to charge additional fees along with our regular monthly payment. Ditech has received many complaints concerning this practice. They have numerous lawsuits against them as formerly Greentree Servicing. They continue to do the same practices under the new name of Ditech. We have spent countless hours on the phone to no avail. We have never been late paying our mortgage in the 12 years we have lived in this house.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 48 hours or less than 30 days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Futhermore, XXXX 's actions has also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take immediate action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Reported accounts XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX
Product: Debt collection

According to the IRS a charge off is considered income. XXXX should not be reported on a credit report. For any charge off that is above {$600.00} a creditor should mail out a XXXX. This is a violation of the truth and lending act in FDCPA. This account was charged off in XX/XX/year>. According to 15 USC 1681 2 AI no transactions or experiences can be reported on my credit. XXXX should not be reporting to the credit bureaus. All 3 credit Bureaus need to remove the charged off account. The IRS is expecting me to file the XXXX on my tax return as income. This is a violation in reporting!
Product: Credit card or prepaid card

I originally applied for a Sam 's Club Synchrony bank credit card online through a link from www.samsclub.com to Synchrony bank on XX/XX/2021. I received an email with a link to an explanation of my credit request. When putting in my SSN and zip code, I got the pop up information return that my information was incorrect. I ended up calling Synchrony for Sam 's Club credit on the phone and they told me that they could not release any information of my credit denial over the phone, but could mail me the information to my home. I requested the information. When I received the letter the letter informed me " Your credit request was denied for the following reason ( s ) : Credit bureau reports that the applicant is deceased ''. The letter further informed me that if I questioned the credit bureau 's determination, then to call the credit bureau XXXX. When I called them, they could not explain the determination and that I should call Synchrony for further detail. When I called XXXX, their resolution was to reapply for a credit card for Sam 's Club. I have a XXXX XXXX score, I am not deceased and can not determine why I was denied. I decided to physically go to my local Sam 's Club and apply. I got a friendly customer service representative ( on XX/XX/2021 ), that admitted I was not deceased, but did want to see my photo drivers license. After she entered the detail, my credit card was still not approved so she called Synchrony Bank. They requested that I get on the phone and recite my name, address and last 4 of my SSN. They also asked for my phone number and if that was my only immediate contact for that instance. They then put me on hold and said to please be patient. I waited and the Synchrony Bank representative came back on and said she was going to recite me a url web access. I was to write the address down and go to the web site and video 5 minutes of my displaying verification of my identity. It sounded like holding up my pictured license to the camera and maybe a passport. I was flabbergasted to say the least and said " you want me to go to a website and video tape myself? ". I explained to her that I did not need the Credit Card that bad and would not be preforming for any audience and she could have a good day. I have never heard of anyone being requested to go to a website and video themselves. Is that legal? Thank you for your time. Respectfully, embarrassed.
Product: Credit reporting or other personal consumer reports

According to the laws : 15 USC 1681 c ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 s there are numerous accounts on my credit reports with different and inaccurate dates, being date opened, dates of last activity, and last reported dates. Dates are inaccurate and different on each credit bureau reports XXXX, equifax and XXXX Credit reports should be 100 % accurate and correct by the laws of the FCRA
Product: Credit card

I recently applied for credit after my complaint ( case number XXXX ) was closed a few weeks ago. The Bank of America ( BOA ) agent informed me that my revocation had been removed and corrected. However, when I reapplied, I was denied for the same reason. This situation has led me to believe that BOA may have acted appropriately, but it also appears to be in violation of the abovementioned complaint.
Product: Money transfer, virtual currency, or money service

I opened a dispute due to three fraudulent charges on ( XX/XX/18 ) in three separate amounts of ( {$28.00} ), ( {$1000.00} ) and ( {$850.00} ). I was charge by PayPal for three different amounts in the same day. This is not a normal pattern. My account was not flagged to alert me about these charges, so when I saw them on my statement I filed a charge back and was denied. I do not use PayPal nor do I have one that I set up. I have mailed and email the executives for XXXX  and following up with PayPal now. 

This charge was fraudulent and not authorized by me. There are a ton of complaints about the same issue and paypal fraud online. 

Thanks Charges below on XX/XX/18 to paypal. 
{$1000.00} {$850.00} {$28.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter To TransUnion Credit Bureau as well as several times before asking for specific information such as names of persons and exact details on how a bankruptcy is being verified, According to FCRA I have the right to this information However I received letters back that says its being verified through the court. So I reached out to the court that supposedly verified the bankruptcy to obtain in writing as to how they verified the bankruptcy or if they report to any of the credit bureaus. They responded in writing that they DO NOT report anything to credit bureaus. And that its probably being gathered through the XXXX system. So I reached out to XXXX as well and they also DONT contact credit reporting agencies. Im well aware of the FCRA Laws and know that this is a violation of rights. XXXX   and XXXX  has already removed the bankruptcy from my credit file because they were also in violation I would like for TransUnion to follow suit.. I have sent the letter that I received from the court to TransUnion and they still refuse to remove the bankruptcy.
Product: Credit reporting or other personal consumer reports

This account was paid in full by the previous owners XXXX XXXX XXXX by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the 30+ days late to be removed from my co borrower and my credit report immediately. We never been 30 days or more late why would we be 30 days late at pay off time? I lost XXXX on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that XXXX XXXXXXXX remove the 30 days late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this 30days late on my credit report stops me for doing anything with this blemish from XXXX XXXX. I cant see how they were able to put a 30 days late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed now we see 30 days late on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am a chase mortgage customer and current customer with the bank for my savings account and credit cards. On XX/XX/XXXX I called in to make my mortgage payment and spoke with a lady on the phone that asked for all my account information in order to process. She took the info and processed the request. My mortgage lender then pulled a credit supplement and that proved that my mortgage payment was paid on XX/XX/XXXX and we moved on in processing. Later it was found out that they had rejected my payment as they said they took the incorrect account number information. They said they called multiple times to reach me, but they never had left a voice mail and I have been getting multiple solicitations from car insurance companies so I was not picking up any calls that I wasn't aware of the numbers. When I found out that the funds were never taken out of my account I called in to figure out what was going on. They explained the situation and I made the payment again. Now they are reporting a 30 day late on my credit and this has killed my refinance. I attempted to make the payment on time. I got no written correspondence of the issue. I received no voice mail of the payment issue. My asset accounts are all with Chase currently. They mentioned that the call was recorded and they pulled the call, but I want to hear the call as well as I know I just gave the lady the information that she requested. They are claiming that the last 3 check numbers were on the account number, but the lady had asked for the entire number. please help as if the covid pandemic wasnt enough now I am being held up on a refinance that can definitely help my situation. Please help in removing this late on my credit, thank you!
Product: Credit reporting

Tranunion has been reporting incorrectly on my credit report and when I disputed the mattes the investigations have taken excessive amounts of time to complete. I tried to get a new investigation started and was denied by transunion I explained to them that the accounts did not belong to me but another person living at my home with the same name. The investigation took to long was was not through enough because the results were the same.
Product: Credit reporting

XXXX XXXX ( Arizona XXXX ) recorded a deregatory item on my credit report acount # XXXX. I called XXXX XXXX at XXXX XXXX and he has the detail that the item was paid off back in XXXX XXXX, 2014 but yet the item still remain on my credit report. Please help me remove this item from my credit report. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I created an account with Equifax on XXXX of 2024 and placed both a Security Freeze as well as a fraud alert. Now that I no longer need the Security Freeze or the Fraud Alert, I have tried numerous times to remove both of them through Equifax 's website. Every time I click to remove the security freeze and fraud alert I am met with an error message saying " Please give us a call. We can't complete your request at this time. Please call the Customer Care team ''. I finally got through to their customer care team today and was asked to provide my Social Security Number, Phone Number, Home Address, and everything. After a lengthy process, the team member says that there is nothing they can do as they couldn't verify my address and told me to go back on the website and see if I could manage everything from there. I then had to explain again that the website told me to call them. Finally the customer care employee told me I would have to mail in copies of my SSN, driver 's license, etc.. for them to verify and that they aren't even sure if I actually have a security freeze or not. Apparently my information that they have is " incomplete '' like my home address even though I provided it when I made my account.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Zelle because they didnt fully investigate my claim again wrongfully not flagging or going after a false account in which funds were used from my account!
Product: Checking or savings account

I placed an order online using my cashapp card on XXXX XX/XX/XXXX for an item that cost {$60.00}. After placing the order I determined that the website was fraudulent, posing as XXXX. The charge was pendinf and I relaized the name on the charge was not the same as the name on the website and that there was a international fee. The fraudulent website did not list a contact number or address. The only contact option listed was via email. On XXXX XX/XX/XXXX sent an email requesting the order be canceled and money returned to my account. I never recieved a response. 

After the transaction posted to my account on XXXX XX/XX/year> I contacted cashapp and filed a dispute, providing them with all necessary information. Cashapp denied my dispute XXXX days later on XXXX XX/XX/year>. On that same day I responded to the dispute asking for documentation for the denial. On XXXX XX/XX/XXXX cashapp sent an email with a attached form that did not outline why the dispute was denied. That same email said there would be no further communication on the case. 

I didnt not recieve the product I ordered because the website was fraudulent and cash app denied my dispute so I am out of the money that was spent to no fault of my own. Cashapp has violated consumer protections outlined in the EFTA.
Product: Credit reporting or other personal consumer reports

I am writing to report a concern regarding unrecognized inquiries listed on my credit report. Upon reviewing my credit history, I noticed several inquiries that I do not recall authorizing. These unauthorized or unrecognized inquiries may be impacting my credit score and could be the result of fraud or a clerical error.

I have already taken steps to investigate the matter by contacting the relevant credit bureaus and reviewing my recent financial transactions. However, the issue persists, and I am seeking assistance from the CFPB to ensure these inquiries are thoroughly investigated and removed from my credit report if they are determined to be unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, verifying that I, XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over XXXX DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Checking or savings account

Ever since I started banking with BMO Bank last year, they have always put a hold on my deposits without ever notifying me, I only find out about the holds when I call in, and they never give a reasonable reason for the holds, and the deposits always clear with no problems after their XXXX business days hold or XXXX weeks hold not including weekends. Most recent incident was today XX/XX/24 I deposited at a branch and the BMO app messaged me saying the check was credit to my available balance, then I proceeded to pay my sub XXXX and received a error message and email telling me to call in to BMO to remove error and restriction. As I call in and explained the associate kept cutting me of and putting me on hold, then she says I don't understand what the situation is, then I say she's the ones that doesn't understand because she keeps cutting me off. I asked her why is it I called in to remove error and restriction on XXXX because of BMO email but she is telling me my deposit just got put on hold until XX/XX/24 and why was there a message in the BMO app saying I was credited and my available balance is XXXX something, she say she doesn't have an answer and will transfer me to a supervisor but never did and XXXX ded annoyed because I would not except her unreasonable answer for the hold and notices recieved via BMO mobile app. Mind you this deposit is from dame issuer and they have many of the same issuer in deposit history that cleared without a problem. She got annoyed that I didn't understand the situation and I told her she would understand my situation and if she stopped cutting me off everytime I tried to explain and I asked them to look at the record of how many times I called amd messaged about this issues and why it keeps happening, she kept going on about stuff that I did not ask then hung up on me when I say I hope BMO reviews this call recording to better train staff on not cutting clients off and fully understanding the clients problems to better solve. No transfer to supervisor no clear answers, and hung up.
Product: Mortgage

The lender quoted me the estimated settlement or " closing costs '' and their " credit '' that they would apply to those costs, and sent me a Good Faith Estimate. They quoted an interest rate of 3.875 and credits of {$2100.00}. They did tell me that until my Home Equity Line of Credit lender signed their Subordination Agreement, that they could not lock in the interest rate that they quoted me. They said nothing, however, about doing away with or changing the credits against the closing costs. I checked the document that I signed and see no language about the credits against the closing costs being subject to change. Here is the language : and agreed to on XXXX that the rates and PF credit could change also indicated in the subordination agreement you acknowledged before getting started. " Once the Subordination Agreement is received and approved by Provident Funding, I can lock an interest rate, subject to current market rates and pricing ''. Nothing is stated about the closing cost credits being subject to change. First off, I see no reason for the lender being unwilling to lock in the rate while waiting for the Subordination Agreement, and making the rates conditional upon the receipt of that Agreement, but they were unwilling to do that. I was unaware, however, that the credits against the settlement charges were subject to change as well -- that seems unfair to the consumer. Here 's why -- if the credits go away or are substantially changed when the lender is finally willing to lock in the rates, the borrower is stuck with the out of pocket expense of the Appraisal -- which in my case was {$470.00}. That 's a lot of money to the average consumer! So now, if I 'm not happy with the new " bait and switch '' rates and credits that the company is now quoting, I have no choice but to be stuck with the out of pocket expense of {$470.00} -- which I have been informed by several mortgage lenders is not transferrable to another lender! I have to pay that money all over again. They have me backed up against the wall and seem to be able to quote anything they want at this point! How is this legal and fair?