23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an AMEX gift card worth XXXX as a gift. While checking the balance of the card it said it was activated and loaded. Every store I have tried to use it at, in person and online, it gets declined at. I called customer service and they told me to try different merchants which has netted me the same result.
Product: Mortgage

I have been in my home for 17 years and my statement is saying my loan is due until XXXX. Shellpoint has increased my payment and my mortgage continues to increase. I attempted numerous times to contact someone, and information I received is not enough.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING INCORRECT INFORMATION ON MY CONSUMER FILE. MY XXXX XXXX XXXX CREDIT CARD AND XXXX CREDIT CARD BOTH SHOW INCORRECT BALANCES AS WELL AS CREDIT USAGE. THE BALANCE ON THE XXXXXXXX XXXXXXXX XXXX CREDIT CARD IS {$3.00} AND THE BALANCE ON THE XXXX CREDIT CARD IS {$3.00}. THE USAGE IS SHOWING XXXX XXXX. THIS INFORMATION IS INACCURATE AND I AM UPLOADING DOCUMENTS AS PROOF.
Product: Money transfer, virtual currency, or money service

XXXX XXXX refunded a Zelle transaction on XX/XX/2024 but the funds has not shown up on my account. The reference number for the Zelle transaction is XXXX. I've spoken with my bank, XXXX XXXX, and they informed me that as of today, there is no record of any pending refunded Zelle transaction.
Product: Money transfer, virtual currency, or money service

Transaction authorized XX/XX/2021 for XXXX to XXXX XXXX through Paypal for a transaction on XXXX. Messages to XXXX XXXX through the website have gone unanswered. Although the website indicated it is housed in Ohio, the time stamps for the messages are for the XXXX XXXX time zone. I fear the site is a shell for fraud and wished to cancel my payment before any further exposure occurred. Paypal indicated that it could not cancel a payment once authorized despite the potential fraud and risk. Please see transcript in attached document. Paypal did not provide a copy of the transcript upon my request. The document was copied and pasted from the online exchange that spanned approximately 14 hours.
Product: Mortgage

I contacted Wells Fargo Home Mortgage in XX/XX/XXXX ( Copies of emails/correspondence will be attached ) regarding a goodwill request to remove late payments from me and my husbands credit file. My husband and I had experienced a financial hardship as a result of health problems and periods of unemployment in XX/XX/XXXX in which we were forced to refinance our home resulting in an extremely high APR of 11 % with Wells Fargo Financial ; however, we managed to keep up with our payments until we had another setback in XX/XX/XXXX-XX/XX/XXXX. Eventually, our loan transferred back to Wells Fargo Home Mortgage after all Wells Fargo Financial branches were closed. My husband and I would like to refinance our home at a lower APR but having the late payments and inaccurate lates and amounts reporting on our credit reports has been detrimental barriers to refinancing our home. This, I contacted Wells Fargo Home Mortgage asking for their help in removing the late payments as a goodwill gesture. I have also spoken with XXXX XXXX, Executive Resolution Specialist, Customer Care & Recovery Group by phone on XXXX XXXX and was informed that Wells Fargo could not do a goodwill gesture of removing negative reporting because they are bound by the federal government laws to report accurately. A few days later I sent an email to the XXXX XXXX XXXX, CEO, the Board Communications, and XXXX XXXX, Senior Executive Vice President of Payments, Virtual Somutions & Innovation. I spoke with Mr. XXXX several times by phone in XX/XX/XXXX, and he assured me he would look into my request to see what they could do. After  several days, Mr. XXXX called me back and said there was nothing they could do regarding my goodwill gesture request because they we bound by federal laws to report accurately and unless I found a mistake in their reporting. There is a mistake in their reporting regarding the amount of the late payments and number of late payments as I recently discovered when we received our current credit reports. Email and letter correspondences will be attached regarding this matter.
Product: Checking or savings account

My phone and wallet were stolen and used in the same city I was visiting at the time. In XXXX XXXX I reported the theft and unauthorized charges right away to Chase Bank. Despite the timely report, Chase ruled that the unauthorized charges were legitimate and the funds were withdrawn. Chase stated that I needed to provide evidence but despite giving the police report, they still ruled against me stating the charges were legitimate. Police report # XXXX
Product: Debt collection

Ally Financial calls daily on a truck loan I consigned for my son. He is delinquent on his payments and will not tell me his address or make contact with Ally to ask for help.

My issue with Ally is they are now calling my husband whom is not on the loan and has no role in this loan. I specifically told Ally not to call him as this is a privacy violation.
Product: Debt collection

This complaint has to do with the one I have related to XXXX  XXXX  XXXX, I contacted PRA to alert them of the situation with XX/XX/XXXXand told them to contact me directly for either payment or payoff. The company chose to close my accounts and say I was delinquent adding more comments to my credit report, I have sent them a second email and If I have to send a 3. I will be taking them to court to settle it there. The amount that was negotiated still stands or I'll go lower. I am attaching their said amount to what was negotiated. If I find out they have a special dealing with XX/XX/XXXX, then I will proceed with a class-action suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

The company offered a credit card with a {$49.00} annual fee. I accepted the terms and then received a credit card. I paid the {$49.00} on XX/XX/XXXX and then today XX/XX/XXXX I received a letter stating that was an error really the annual fee is {$150.00} and when I called them they said it was " just a little mistake ''. 

They refused to honor the {$49.00} then when I ask for it to be refunded they said I had to call them back again. 

First I'm not sure how they can change the terms after they already accepted the annual fee. Secondly I hadn't even activated the card they should be giving me my money back at the minimum. 


There appears to be something wrong with the business practices here.
Product: Student loan

In 2006 my XXXX daughter took out student loans and put me in as a consigner without my KNOWLEDGE, AUTHORIZATION or SIGNATURE. She LEFT home since she was XXXX years old and lived with a family member in a different state at that time. I have since asked for proof of my acknowledgedment of cosigning. Such as an email, phone call or a letter asking for my approval. I was told they used electronic signature and they do n't need my authorization. How can they do this? Now they want payment from me. This girl is a professional and has a job, why are they after me?
Product: Credit card

I had ordered a riding lawn mower and I had cancelled my order from Lowe 's home center. 
This order was purchased via Lowe 's Advantage card. 
Upon completing my cancelation, Lowe 's wanted to force me to take 2 Lowe 's store gift cards which I never agreed to. 
I did call Lowe 's telling them that I don't want any gift cards and just want my account credited for the mower. 
Also Lowe 's customer service employees tried to convince me that I could just take the gift cards to the store and they will give me the money. The problem according to their website you are not able to get cash or pay any amount to your account.
Product: Debt collection

I discontinued insurance with XXXX XXXX and ended my policy. I was told by XXXX XXXX that the policy amount was prorated due to the XXXX and circumstances involved with XXXX and not driving and I paid for the amount of service i retained before cancelling. Due to serious XXXX related instances I was not able to drive. My family is still feeling the effects. I told this XXXX  company that this was settled and please stop sending harassing letters because I don't owe XXXX XXXX. All they sent me for validation and verification was a XXXX page bill. I asked for them to send me documents with the vehicles involved, even though I lost my vehicles, and the dates of the kind of insurance that was not claimed to be settled. Company has not responded to the requests I have made for proof and I would ask please to close and remove from my credit reports. After all that I have had to deal with during the past XXXX years, it is disheartening to have to go through this. I have no accounts with XXXX and please show me documents or policies I signed that claim I do. I also contacted the XXXX credit bureaus for a dispute investigation.
Product: Mortgage

I applied for mortgage assistance with PennyMac, their program to determine yiur eligibility for forebearance, modification, etc, in XXXX and made a partial payment. I submitted what I felt was all of the relevant documentation on multiple occasions but was continually asked for more or different information. 
Finally, in XXXX, we were coming to a close on the process, however, even though I was undergoing an asistance application, my loan was reported as delinquent. 
To prevent further damage, I paid the loan fully current on XXXX. I asked the company to remove the delinquent status and late payment and they insisted it was impossible, even though I was undergoing an assistance process at the time. They said this process was explained that loan modification or assistance may effect credit score or have tax implications so I have no reason to be surprised.

However, during my initial consultation in the process I explained my hardship, that I was planning to sell the house, and asked about possible impacts to credit or taxes and was told those should not apply to me in this case due to my detailed explanation of my situation.
Product: Credit card or prepaid card

XX/XX/22 Ordered XXXX XXXXXXXX XXXX on XXXX. 
XXXX Order # XXXX. 
XX/XX/22 XXXX charged {$280.00} to my Capitol One account. 
XX/XX/22 Seller placed springs  ( 34 lbs of steel ) into a single layer cardboard box for shipping. 
XXXX XXXX # XXXX. 
XX/XX/22 XXXX XXXX placed an empty torn up box near my front door. 
XXXX was contacted, representative was in another country and very difficult to communicate with. 
XXXX  Claim # XXXX. 
XXXX was contacted. They said they will contact seller. 
XX/XX/22 left on a trip for 18 days, I had limited access to email and phone. 
Contact to Seller is only through XXXX, Seller said they would refund the purchase when I return the item, I never received the item. 
XXXX said they lost the item and closed the claim, they said the shipper would need to file a claim, they provided no written information, only verbal. 
XX/XX/22 XXXX was contacted again they opened a case. 
XXXX XXXX # XXXX. 
XX/XX/22 Capitol One credited the {$270.00} charge. 
XX/XX/22 returned home after being away for 18 days. 
XX/XX/22 XXXX closed the case because I did not return the item, I never received the item. 
XX/XX/22 Capitol One Reinstated the {$280.00} charge. 
XX/XX/22 Copies of all the information I have was submitted to Capitol One. 
Capitol One XXXX # XXXX. 
XX/XX/22 Capitol One credited the {$280.00} charge. 
XX/XX/22 Capitol One reinstated the {$280.00} charge, they said XXXX told them that I received the items in good condition. 
Please note the screenshot from XXXX stating that I received an empty box and the seller should reply. 
XX/XX/22 Capitol One was contacted, they said I need to resubmit the letter that I already sent on XX/XX/22 and I did. 
XX/XX/22 Capitol One Denied the claim. 
XX/XX/22 Contacted Overseas Capitol One Customer support and was told I had not supplied the necessary documents. They could not stay what was missing. I asked to speak to someone else and a Supervisor said that since there was no written proof that XXXX lost the parts, Capitol One could not do anything. 
XX/XX/22 Contacted XXXX and was told that since I filed a claim with Capitol One, XXXX could not do anything. 
XX/XX/22 Contacted Overseas Capitol One Customer Support and asked to speak with American Customer Support. American said to re-submit everything and American support would take a look. 
XX/XX/22 Capitol One Denied claim again because it was more than 60 days past the transaction. 
I have given up on getting any help from XXXX. 
I have given up on getting any help from XXXX. 
I have given up on getting any help from Capitol One. 
I do not understand why I am being charged for something I did not receive. 
Thank You.
Product: Credit card or prepaid card

Purchased a {$580.00} laptop from XXXX on XXXX XX/XX/2020 due to Covid 19 work from home and purchase another one  from XXXX with cheaper price because of urgency and return this one. XXXX has refunded {$580.00} on XX/XX/2020 but citi bank never refunded the money to my credit card. Now citi is saying they are not able to help because it is too late. I have called citi and web chat numerous time and provided XXXX 's feedback properly but never received the money. Citi indicated they are not able to help and directly work with merchant XXXX. XXXX indicated that they are not able to send a check directly to me rather only can send to the original payment method. And XXXX also indicated that they have refunded to the original payment method which is citi credit card. Citi dispute team has never refunded the money. All the communications to XXXX and citi attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX XXXX XXXX   XXXX Unverified Account Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Debt collection

To Whomever This May Concern : First and foremost. I put in my first complaint that this is me, XXXX XXXX XXXX submitting this complaint. That is the same case with this complaint. No one has my login information but myself. You are going to find yourself hit with a lawsuit if you do not block the information that I have requested you to block and if you do not take my complaint seriously. I have submitted a dispute via certified mail as well. My attorney is on standby. You should take this complaint very seriously. If this item hasn't been removed or blocked from this bureau within the next 30 days, we will sue. The company XXXX XXXX XXXX showed up on my credit report for 1920 for a debt that does not belong to me and that is due to identity theft. I did not receive any notification from this company at all. This same fraudulent debt was held by XXXX XXXX earlier this year and I disputed and it was blocked. I appreciate you handling this immediately. 

Stop saying that this is not me submitting this dispute. This is me handling this dispute and complaint. I need this acted on immediately.
Product: Debt collection

Consistently calling me at work even though I told them that I can not take calls at work
Product: Credit card or prepaid card

One of my Citi divident card XXXX has a quarterly 4 % cashback bonus offer for XXXX when I spend on XXXX. I activated this offer, and spent {$5900.00} in XX/XX/2023. But XXXX of the transaction of {$1000.00} on XX/XX/XXXX did not give me that 4 % promised bonus. 
I spent hours contacting Citi and in first week of XXXX and they said they would research why the bonus was not issued. But today I received a letter saying this transaction does not qualify. The letter did not state the reason. And all my other transactions in the same month ( the rest of {$4900.00} spending on XXXX ) all qualified for the bonus. I don't understand why this single transaction did not. I felt Citi is not doing the right thing, just cheat the customer to use their low-reward card and deny based on no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX has reported on checksystems ID # that they suspected me of fraud in XX/XX/17 for an amount of XXXX $ rtn XXXX XXXX. They have impacted me from getting any other accounts for my new business and personal accounts at any other banks. This information is wrong there was no fraud. I did own the account and I never did anything that should be reported as fraud. I demanded XXXX XXXX XXXX to remove this or show proof through check systems but nothing has come out of it. I do know that I left the account in a negative balance but was going to pay it off as soon as I had the money. Also, I suspected XXXX XXXX XXXXXXXX of adding more fees and changing the dates on the closed date with the intent to keep it on my report for a longer time. I tried opening a business account but with no success due to this reporting. XXXX is acting like a vigorish loan shark and borders on the side of illegal.
Product: Debt collection

nationwide Recovery services was removed from my XXXX report because i disputed it now they have added XXXX accounts back on my report which were the same ones i disputed.
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 confidentialty under 15 USC 1681. 

XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX SYXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681S-2 ( A ) ( 1 ) : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't really know what section my issue goes under. I attended XXXX XXXX XXXX online in XX/XX/XXXX into some of XX/XX/XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.
Product: Debt collection

The debt collector, Caine and Weiner ( https : //www.caine-weiner.com/ ) has continuously made telephone calls from proxy phone numbers to my phone as early as XXXX and as late as XXXX at night. I have receive phone calls on the following dates and times over the last week alone, and have repeatedly asked them to not call me regarding this matter : XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX The frequency and number of calls is staggering and annoying in every sense. Calling to collect a debt as little as ten minutes apart is interfering with my work and my ability to function at my job.
Product: Credit reporting or other personal consumer reports

can you please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ga XXXX my name is XXXX XXXX