23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased skincare products from XXXX XXXX XXXX The transaction was completed on XX/XX/23 in the amount of {$56.00}. On the same day, I was charged a foreign transaction fee of {$1.00}. When I noticed the foreign transaction fee I called US Bank and asked why I was charged this because it was a XXXX XXXX website and all products are listed in U.S. dollars. US Bank told me it was their policy to do so because XXXX is a XXXX  company. US Bank said if I had used my other credit card they would not have charged me the foreign transaction fee. I asked if they would refund this fee. They declined. Are consumers expected to research what country a company is based in when shopping online in order to avoid foreign transaction fees?
Product: Debt collection

i have disputed this debt from services they claim were done on XX/XX/2015 this account has been disputed with several companies due to identity theft. Today i saw on my creditkarma that an account for Mid West Recovery was on my credit reports and I called them and spoke to XXXX at Ext # XXXX and he told me that they did not have to notify me before placing the account on my credit report. I told him that the previous companies that have contacted me have been given all the information and could not believe that they did not send them all the disputed documentation. 

I feel this company is using the credit reporting companies as a weapon without falling the FDCPA guidelines.
Product: Mortgage

I applied for a home mortgage with wells fargo bank 3 months ago. they demanded more and more pieces of information, waited a week or two and then demanded even more. so far i think they demanded the same bank statements XXXX times. XXXX wells fargo mortgage guy XXXX XXXX, dropped out and did n't return calls. the rate is about to go up due to its expiring, and i believe this is a bait and switch technique, where they postpone and postpone and postpone until oh well, you need to pay much much more because time has run out. also the sellers of the house are beginning to pull out and can do so on XXXX XXXX the rate lock in expires XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Vehicle was broken into - briefcase with identification and credit cards taken. XX/XX/XXXX. ALERTED Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  FROZE ACCTS AND CORRECTED ACCTS CAPITAL ONE, AND XXXX  XXXX ISSUED NEW CARDS BASED ON FRAUDULENT ACTIVITIES THEN WHEN XXXX XXXX  REFUSED FRAUDULENT ACTIVITIES USED THEIR DENIALS TO CANCELLED MY CREDIT CARDS
Product: Debt collection

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : VW CREDIT INC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or VW CREDIT INC customer service representative. 


I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Product: Checking or savings account

Citibank Savings and Checking fees of nearly XXXX dollars I want back. 
Hi, I had a withdrawal problem with another bank where I was quickly forced to move my funds from Citi Checking to Citi Savings. Citi Checking originally provided a " bank credit '' on those fees and then after a few days later pulled a quick one and charge the same fees on my Citi Savings account. 

I like my fees returned. They keep creating opportunities to assess high fees that were not really disclosed clearly. I really don't like their products and services and told all my business friends to tell their other business friends to just remove their funds from Citibank and I will continue to promote Citibank avoidance on social media if they don't stop these fees and return actual fees of nearly XXXX dollars back to me. 

Thx.
Product: Credit card or prepaid card

A few weeks back I had called to speak with a Capital One representative to shut down may account in which was on a secured XXXX that I had initially secured with {$99.00}. 
A week or two had passed after not being sent the money that I was owed and I on the XXXX on XXXX about XXXX -- of this year spoke with a representative whose first name was XXXX ( employee ID XXXX ) who had confirmed with me that the prior representative that I had spoken to did not shut down my account ; and, stated that I would be receiving a check of my total credit of {$180.00} in 7-10 days. So, I wanted to make sure I understood her correctly so clarified weather it would be 7-10 calendar days or business after which point she told me it would be 7-10 business days. 
Then on the XXXX I got a call at about XXXX XXXX from a representative ( employee ID XXXX ) that was trying to make me agree on a recorded line that I was due only a check for a pennywhich I did NOT concur with as I was due {$180.00} as XXXX had stated to me on the XXXX. 
Before this occurrence I had logged into my Capital One account online and did see that in fact I was due a credit of {$180.00}. 
I later that day called and spoke with XXXX ( employee ID XXXX ) who had confirmed with me that in fact I was due that credit via check of {$180.00}. 
I has been almost a month since I originally requested that my account be closed and that the money that was due be reimbursed back to me. 
Also, any time I had requested a copy of my last statement I couldnt get a representative to do so I didnt get any where which I believe they are not letting me have because it would clearly show that I was due that credit of {$180.00} at the time of requesting the closure of this account. 
I hereby affirm that I am owed {$180.00} and demand payment of this amount.
Product: Student loan

I have been dealing with XXXX and PNC for my loan used to attend The XXXX XXXX XXXX XXXX XXXX XXXX which belongs to a chain of schools that have been found to have committed Institutional Misconduct. For whatever reason XXXX and PNC refuses to adhere to the Refund Policy regarding The Loan and the Holder Rule. PNC claims they have no business ties to the XXXX which doesn't matter. The XXXX was used to purchase a service that wasn't delivered upon by the XXXX. PNC gave me a representative that I had to play phone tag with who didn't give me any new information or accurate information. 

Statements from several joint investigations into The XXXX XXXX XXXX XXXX show that borrowers were ripped off by this school. PNC expects to continue to profit off my loan despite this information. 

" This group discharge is based on XXXX finding that The XXXX XXXX and its parent company, XXXX XXXX XXXX ( XXXX ), made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. XXXX relied heavily on evidence provided by the attorneys general offices of Pennsylvania, Massachusetts, and Iowa, which conducted multi-year investigations into, and brought lawsuits against, The Art Institutes and XXXX. As discussed in more detail below, EDs independent review of this evidence resulted in EDs finding that, between at least XXXX and XXXX, The XXXX XXXX engaged in substantial misrepresentations related to employment rates, salaries, and career services. '' The evidence I have sent to XXXX and PNC clearly states what Misconduct Occurred and why they should refund the amount under the Holder Rule. They ( XXXX and PNC ) seem to misunderstand exactly how the Holder Rule operates because they believe they can just say it isn't their problem because they aren't affiliated with the College which is behavior that the Holder Rule was originally established to combat. 

I would like like to speak to someone that actually asks questions about what happened with the college and the loan instead of just having a glorified secretary play phone tag and waste my time. 

PNC owes me {$19000.00} which I paid to them on a loan that is eligible for a school misconduct discharge. 

I have given XXXX / PNC several notices of the Misconduct from the seller ( XXXX XXXX / XXXX ). It is time for them to fulfill their end of the contract and for them to stop trying to XXXX out of refunding the amount they collected while I receieved none of the services that I paid for.
Product: Mortgage

I applied for a refinance with my existing mortgage company. I asked for a loan of {$250000.00}. The representative XXXX reviewed information I provided and said he could do a loan for {$220000.00}. I said I did n't want a loan for that amount but the {$250000.00} so I could pay off debts and have a small cushion for home repairs. I told him I was planning to get a job and hoped to be starting soon. He said that we should start the process and when I started working he could re-evaluate the loan amount. Soon after I was transferred to another representative XXXX. I reiterated to her that I was seeking a loan for {$250000.00}. I have emails supporting these exchanges. I sent her more documents and when I started working I sent her evidence of the same. Finally I was told we were ready to do the final signing but she wanted to know how I would be paying my property taxes. I said she should just take them out of the new mortgage settlement. That 's when I discovered they approved a mortgage for {$220000.00} only. I was so angry. Nowhere along the way did they bring this up. None of the documents they sent me to initial or sign included the loan amount. They had plenty of opportunities to clarify this. They even misled me about employment. They now said they could n't consider my employment income until I had worked six months! They were playing me all along thinking I would just accept the final loan approval. I declined the loan after wasting so much of my time and money in sending faxes to them. This is deception in lending.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies I have identified in my credit report regarding the XXXX XXXX XXXX account. Upon reviewing my credit report, I noticed significant discrepancies between the information reported by the credit bureaus. These inconsistencies appear to violate the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information be accurate and verifiable. 

Below are the details of the discrepancies : XXXX. Account Status Discrepancy : XXXX reports the account as Closed, while Equifax lists it as Open. The account status must be corrected for consistency and accuracy. 
XXXX. Payment Status Conflict : XXXX lists the payment status as Collection/Chargeoff, whereas Equifax lists it as Late 120 Days. This conflict requires clarification to reflect the correct payment status. 
XXXX. Creditor Remarks : XXXX notes : Account seriously past due and assigned to attorney, collection agency, or credit grantors internal collection department. 
Equifax lists : Collection account.

These remarks are inconsistent and need to be verified and corrected.

4. Payment Amount and Last Payment Date Discrepancy : Both bureaus report a payment amount of {$0.00}, but XXXX lists a last payment date of XX/XX/year>, while Equifax omits this information. If a payment was made, it should be consistently reported across all bureaus. 
XXXX. Term Length and Account Type Mismatch : XXXX reports a term length of 1 Month ( XXXX ) and identifies the account type as Bulk Purchase Finance, while Equifax lists it under Factoring Companies with no term length. This needs to be clarified and corrected. 
XXXX. XXXX XXXX XXXX XXXX : XXXX and Equifax report a past due amount of {$930.00}, while XXXX provides no information regarding this account. This omission suggests incomplete reporting that must be addressed. 

These discrepancies create confusion and could negatively impact my creditworthiness. I respectfully request a thorough investigation into this matter and that the incorrect or unverifiable information be corrected or removed from my credit report.

Please respond to this dispute within the 30-day period, as required under the Fair Credit Reporting Act. If necessary, I am willing to provide additional documentation to assist with your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the resolution of these discrepancies. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inquiry was not authorized XXXXXXXX XXXX XXXXXX/XX/year> and XX/XX/year>, The inquiry was not authorized XXXXXXXX XXXX XXXX XX/XX/year> The inquiry was not authorized XXXX XXXX XXXX XX/XX/year> The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

A fair resolution to the issue would be for EXPERIAN to delete the Bankruptcy as well as all XXXX ( XXXX ) accounts stated on the opt-out notice sent to them. I would also like initial compensation for damages in the amount of {$10000.00} which is a small amount for the emotional suffering that has been caused and the defamation of character carried out by EXPERIAN in the furnishing of this information without my written consent and without adequately verifying said data to ensure it was accurate.
Product: Mortgage

XXXX XXXX XXXX sold my loan to Planet Home Loan. I set everything up online to pay by XX/XX/2021 for my payment date. The withdrawal was supposed to take place XXXX. It has not initiated from my account and it's now the afternoon of the XXXX. I have called at least 5 times to Planet Home Loans. The phone line system is TERRIBLE. I can't get through to anyone, can't get a call back, and just get hung up on after waiting on hold over 10 minutes repeatedly. I can see that my payment is 'pending ', but nothing has happened yet. I do NOT want to risk a late payment, but I can't reach anyone. This is terrible customer service.
Product: Debt collection

I sent capital one a letter regarding the validation of a debt. In that letter I requested that they send me a copy of the contract and all statements that proves what I allegedly owe and they did not provide me with it
Product: Checking or savings account

I received a Cashapp XXXX card in the mail. I have never created an account with them. I have never downloaded their app. I called to close the account, they asked me to verify more information, at which I have already given them my legal name, my phone #, my mailing address, my email. They still will not close the fraudulent account. They have disconnected the call 3 times stating they have done everything they can for me.
Product: Money transfer, virtual currency, or money service

I reported the following incident to cash app : I've had a theft. I had to file a Police report. A " so called '' XXXX  XXXX siphoned out about $ XXXX and l left me with {$0.00}. I question and find Cash App negligent in not catching this as I DONT have a history with this person, and why send her money in small batches within seconds of each other????? 

Their answer : XXXX XXXX, This is XXXX with Cash App Disputes. Let me give you more details about it. 

Based on the information available, our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. 

Date Status Amount Sender Recipient XX/XX/23 at XXXX XXXX Paid Out {$190.00} XXXX XXXX XXXX XXXX XXXX XX/XX/23 at XXXX XXXX Paid Out {$200.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$100.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$100.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX Paid Out {$50.00} XXXX A XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX Out {$50.00} XXXX A XXXX XXXX XXXX Additionally , you are entitled to request the documents upon which our denial was based. To initiate this request, please click here ( XXXX XXXX XXXX ). Note : You must click this link on your phone and have the app downloaded to launch this link. 

If you would like to open a new claim with additional information for the investigation, you may create a new case using that information here XXXX XXXX XXXX XXXX XXXX 

For your reference, the case number associated with this claim decision is XXXX. 

Now that weve closed this investigation, youll need to open a new case if you need further assistance for a different issue from Support. Heres how : a. In your app here ( XXXX XXXX XXXX  ) b. Call us at XXXX. 

For more ways to contact Cash App Support, check out XXXX XXXX XXXX 

We also recommend securing your account by following Cash Apps Security Best Practices ( XXXX XXXX XXXXXXXX ). 

We appreciate your patience and cooperation throughout the dispute claim process. 

XXXX Cash App Dispute Team ref : XXXX : ref
Product: Credit reporting or other personal consumer reports

I received my most recent consumer report on XXXX the consumer report is clear and is not reporting all the things that XXXX XXXX is saying. I received a letter stating that I was declined a bank account for numberous reasons. And these reasons that they say are being reported isnt on my Chex system report. So my question to Chex system is, why are all of this negative information still being reported. I also have an inquiry from XXXX XXXX XXXX and georgias own credit union that doesnt belong to me.i will attach the documentation to the complaint
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for failing to respond to my dispute letters concerning errors on my credit report. Despite my diligent efforts to address these inaccuracies, I have yet to receive any acknowledgment or resolution from Experian.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy, credit reporting agencies are required to investigate disputed items within 30 days of receiving a dispute. Additionally, if the disputed information is found to be inaccurate or can not be verified, it must be corrected or deleted promptly. 

XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Please delete it if there is no proper verification given for this account. 

XXXX XXXX  XXXX : Account number : XXXX, Unauthorized account reporting. Delete the account. 

XXXX XXXX XXXX : Account number : XXXX, Unauthorized account reporting. Erase the account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, This account was not authorized by me. It is automatically unverifiable because I have to give purpose for any account reporting. As a result I believe this is reporting in error. Erase the account from my credit report. 

XXXX XXXX : Account number : XXXX, If the credit limit is a fixed amount, why is it showing a higher limit in highest balance if i only have access to a specified credit limit. This is clearly an error. Delete the account. 

XXXX  XXXX : Account number : XXXX, The highest credit limit is reporting inconsistently and inaccurately to each bureau. This is clearly an error that has not been addressed. Delete the account. 

XXXX  : Account number : XXXX, There shouldnt be any late payment on a paid account. Update this on my report. 

XXXXXXXX XXXX XXXX : Account number : XXXX, The balance owed is inaccurate. I believe this account to be unverifiable due to me not having an agreement with this agency. Please delete from my credit report.
Product: Student loan

I am trying to find out why I have paid {$9700.00} on {$21000.00} and my interest is only XXXX  %. My calculations show this differential to equate to a XXXX  % interest rate!
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 XXXX XXXXXXXX XXXX  XX/XX/2022 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. these accounts listed are fraud i did not make these inquiries i spoke to the reporting agency and they have violated my rights by not removing these inquires ASAP