23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a purchase in XXXX at XXXX. I split the purchase in 3 different ways as it was a large purchase, I paid by cash, XXXX Mastercard ( {$4800.00} ), and Capital one Mastercard ( {$2000.00} ). In this purchase I paid for an extended warranty. I opened up a dispute against this purchase on XX/XX/XXXX with both Mastercards. I won the dispute with XXXX Mastercard and received the full amount back by check. Capital One NEVER sent me any paperwork to fill out, I called the dispute center and they never mentioned it as well and when 90 days had passed I assumed the matter was resolved in my favor. On XX/XX/XXXX I was rebilled. Which is way past 90 days. I called Capital One after noticing a rebill and they said there was nothing to be done because it was past the 90 day dispute timeframe. 
I didn't receive a letter or communication from Capital One about this case until the end of XXXX ( dated back on XX/XX/XXXX. XXXX ) stating that they received my response ( how can they receive my response when I didn't get anything from them and didn't send anything in? The only info they had was the info from opening the dispute on XX/XX/XXXX. ). I involved my lawyers and they wrote a letter to Capital One asking them to refund the {$2000.00} but Capital One never reached out to me or my lawyer. I called XX/XX/XXXX and talked to XXXX, a manager in the dispute department who confirmed they received my letter from my attorney and said they are not going to refund/ return my money. 
They didn't handle this case correctly and didn't follow the laws and timeframe. I should not be punished for Capital One 's mistake. 
https : XXXX The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. 

Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late or takes more than two billing cycles to resolve a dispute, the penalty applies. The penalty also applies if a creditor threatens to report or improperly reports your failure to pay during the dispute period.

The Federal Trade Commission ( FTC ) enforces the FCBA for most creditors except banks. If you think a creditor has violated the FCBA, file a complaint with the FTC. 

You also can sue a creditor who violates the FCBA. If you win, you may be awarded damages, plus twice the amount of any finance charge as long as it's between {$500.00} and {$5000.00}, or higher amounts if a pattern or practice of violations is established. The court also may order the creditor to pay your attorney 's fees and costs.
Product: Money transfer, virtual currency, or money service

I am following a complaint against cash app ( Block , Inc. ) due to inadequate customer service and the fair practice is which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable in unprotected. Furthermore, they're dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and and I seek appropriate redress for these violations.
Product: Mortgage

I AM TRYING TO COMPLETE A SHORT SALE TRANSACTION IN ORDER TO AVOID FORECLOSURE. MY SERVICER, NATIONSTAR, HAS A WELL KNOWN REPUTATION FOR CREATING OBSTACLES IN THE SHORT SALE PROCESS. THEY REQUIRE BUYERS TO PLACE OFFERS ON A WEBSITE KNOWN AS XXXX OR XXXX. I HAVE A BUYER WHO PRESENTED ME A BONA FIDE OFFER PRIOR TO THE AUCTION DATE AND I ACCEPTED THE OFFER. NATIONSTAR MADE THE UNLAWFUL DEMAND THAT MY BUYER PLACE THE SAME OFFER ON XXXX OF THE AFOREMENTIONED WEBSITES AND PAY AN ADDITIONAL 5 % PREMIUM - INCREASING THE ACCEPTED PURCHASE PRICE BY 5 %. PRIOR TO THE AUCTION ON XXXX XXXX, 2015, NATIONSTAR INFORMED MY REAL ESTATE AGENT THAT " THE FILE IS BEING REFERRED TO XXXX... '' A FEW DAYS LATER NATIONSTAR ANNOUNCED " THIS FILE IS NOT WITH XXXX... THEY ARE IN THE PROCESS OF GETTING THE PROPERTY READY FOR THEIR SITE. '' NATIONSTAR CREATED DELAYS AND OBSTACLES WITH THIS BACK AND FORTH. FURTHERMORE, ON XXXX XXXX, 2015 NATIONSTAR INFORMED MY REAL ESTATE AGENT THAT THE BUYER THAT THE AGENT MARKETED AND FOUND WAS THE WINNING BUYER OR BIDDER. A FEW DAYS LATER THEY CHANGED THEIR MINDS. PLEASE SEE ATTACHED COPIES OF EMAILS TO DOCUMENT THE CLOWN-LIKE BEHAVIOR AT NATIONSTAR.
Product: Credit card

On XX/XX/23 I inadvertently purchased counterfeit silver coins. The XXXX merchant used a fictitious U.S. address to infer creditably. Upon determining said coins were fake I contacted FBI who referred me to local police dept. & I filed a report ( XXXX XXXX, Fl. XXXX. Synchrony Bank, dba PayPal Credit refuses to secure said report & accordingly isnt attempting to recoup {$220.00} from their banking contact, as per Consumer Credit Act. Theyve disputed charge only to bill me again ; please help! Thank you
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX a victim of identity theft DOB is XX/XX/1989 last XXXX of XXXX is XXXX I have mailed a identity theft dispute for fraudulent personal information and inquiries to be removed from my credit report and file according to XXXX XXXX XXXX within XXXX  days, the companies have not provided this information i have requested and have neglected my disputes as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Penn Credit is reporting a fraudulent account on my credit. I dont know what this account is nor did I authorize anyone to open it on my behalf. I am requesting the immediated removal of Penn Credit from my credit. Please see the attached FTC report and my driver license.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX back in XX/XX/XXXX of XX/XX/XXXX, the car was running fine and I was making payments up until about XX/XX/XXXX of that same year and I was involved in a car accident which resulted in the car being a total loss per the insurance company after they took the car in for inspection. I was told the debt would be settled by my insurance company and the loan company XXXX XXXX XXXX is still asking me for a settlement or a balance to pay to remove all negative inquiries.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer file. They are several name variations and address that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

There was a an improper debt reported to my Credit report. XXXX XXXX XXXX  incorrectly charged me for service day after I scheduled shut off for XX/XX/XXXX. They did not close my account until XX/XX/XXXX. Therefore I was charged {$100.00} incorrectly. I spoke to XXXX XX/XX/XXXX at XXXX at XXXXXXXX XXXX XXXX. She explained to me the error on their part and they credited me {$50.00}. XXXX said they would remove the collection under I.C. Systems from my credit report with a payment of {$52.00}. I submitted that payment immediately in order to clear this matter up and get it removed from my report. She said it will take 4-6 weeks to remove from my credit report. 

This is unacceptable. I took care of the payment immediately because of their improper billing, therefore this collection account under I.C. Systems for the amount of {$100.00} should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 


XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}
Product: Credit card or prepaid card

Bloomingdales signed me up for their American Express card without my consent. When I called to tell them I had never signed up for the card ( assuming it was fraud ) they informed me that they had sent me a letter informing me that I would need to opt out of being signed up and that since I hadnt replied they took it as positive confirmation I wanted the card. I never received that letter ( or maybe it just looked like junk mail ) but regardless how is it possible that I would need to opt out of signing up for a credit card? Sounds like they have ex-XXXX XXXX employees running things over there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

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

I was an authorized user on the Citibank CBNA credit card of my father XXXX XXXX XXXX. My father has not had the credit card in years. I am about to purchase a condo and that credit card appears on my credit report as open. It has a {$49.00} balance and an {$8400.00} credit limit. 

My broker suggested that I correct it since it may affect my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two Bankruptcies on my report that I will continue to dispute that are not mine. Please remove immediately. I have not filed Bankruptcy.
Product: Money transfer, virtual currency, or money service

I called them on XX/XX/2023, the day that the issue came up, and I've called them and, as directed by the company, reached out through the app for support almost daily ... I know it was for XXXX or XXXX days in a roll, then off and on again till again today, XX/XX/2023. The company said they couldn't verify my ID and wouldn't help with any questions regarding that situation but offered to help with any other issues but not the one at hand ... Plus, the next time I went to log into my account, it said I couldn't be verified, and it made me make a new account using the email that was already assigned to my already existing account, so now I'm not sure where or how to get access to it and my funds that are in it. On XX/XX/2023, XXXX XXXX sent me {$230.00} to pay for fireworks bought from the Fireworks stand I was in charge of as a XXXX So, with that said, at the end of the season, I had to pay out of my pocket {$230.00} for the fireworks that were purchased that weren't mine because I couldn't access the funds sent for them. The account is a ghost account. It was never officially set up or activated. This has also been brought to the company 's attention, yet they are not budging on granting access to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian in last 12 months but they refused to address and resolve the problem. I sent another notice on XX/XX/2023 that also went unsolved. Experian is in clear violation of USC 1681b and 1681 ( 2 ) ( a ) ( i ).
Product: Credit reporting or other personal consumer reports

XXXX I filled a dispute on this account through all 3 Credit Bureau 's as well as with CFPB I did get a response in regards to the issue and was told to report the issue to IdentityTheft.gov so I have just completed my report with Identity Theft XXXX  and I and uploading a copy of the report / XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 a scammer disguised as an interested buyer on XXXX marketplace became interested in the product and he said he can only use XXXX to transfer money to buy the product. He pretended to send the money, sent a fake screenshot of the transfer, and then sent a series of fraudulent emails replicating a real bank XXXX email. The first email stated : " We have a problem crediting your funds {$300.00} because the account status is not a business user which makes your account have limits. This amount seems to be above your limits so you have to take this urgent step to expand your limit To fully expand your account into a business account, contact the buyer of your item to send in an additional payment of {$300.00} into your XXXX account to expand your limit. Soon as this is done, we will credit your account with the total sum of {$600.00} and free {$50.00} bonus from XXXX user administration. '' The second email stated : " We congratulate you for successfully upgrading your account to a Business User which gives you Unlimited Access to receive any amount of money from now on. For your account to be credited fully with the sum of {$650.00} USD. You are required to contact the sender to refund back the sum of {$300.00} USD so as to secure the additional payment sent to expand your account. Below Is The Instructions : Contact the sender for information to refund back the {$300.00} USD Take a picture of the {$300.00} USD payment and reply to this email. Instant {$650.00} USD into your XXXX account. " Additional emails were sent by the fraudulent bank emails to send additional money. At this point, I finally realized this was a scam but still ended up losing {$300.00} via XXXX XXXX in the Chase App.
Product: Credit card or prepaid card

Credit Card - Costco Anywhere Visa Card by Citi XX/XX/XXXX XXXX - Received via email a fraud alert for my card for {$6700.00} to XXXX, location : XXXX XXXX Status : Declined XX/XX/XXXX XXXX - Called Citi to inquire about alert and request card be changed. Original card deactivated at this point, and new card issued. Disputed above charges with the agent on the phone. 
XX/XX/XXXX - Logged into online account for CC and noticed 2 other charges : {$1800.00} - XXXX - date - XX/XX/XXXX {$1900.00} - XXXX - date - XX/XX/XXXX Contacted Citi again via phone to dispute these charges. 

XX/XX/XXXX - Noticed that online dispute status listed the dispute was closed and I am found responsible. Called Citi again and was told the dispute may have been entered incorrectly, and that it would be resubmitted. Agent recommended checking every few days. 
XX/XX/XXXX - Called citi and had the dispute again submitted/reclassified from a " billing dispute '' to a fraud claim. ( Honestly I am unsure what is correct here. ) - Received letter in mail detailing that the original claim was denied as I have used this card with the merchant XXXX XXXX XXXX previously and that this should be directed to them. ( This doesn't sound correct per what I have read about the FCBE ( Fair Credit Billing Act ) ) Per advice posted on the FTC 's website, I am going to write a letter to Citi detailing my claim.
Product: Mortgage

Wells Fargo purchased our mortgage soon after we purchased the home. Then, the pandemic hit. We opted to take advantage of the mortgage payment deferment and deferred a few payments. These payments were supposed to be tacked on to the end of our existing loan. We tried to refinance the house to take advantage of lower interest rates and to do some home improvements. Our new lender told us we couldn't do a home improvement loan because we already had 2 mortgages. We never signed anything about a second mortgage and knew nothing about it. Upon further investigation, we noticed that in the online tool for our mortgage account with Wells Fargo, we only saw 1 balance and 1 loan number. But for some reason the new mortgage company saw 2 balances showing with Wells Fargo. Because of this, 2 mortgage companies told us that they couldn't legally offer a home improvement loan to us due to Texas State law. Our only option to clear this up was to do a simple refinance of the house so that we end up a simple, single loan again. In a few months, we will try to get a home improvement loan. This additional refinancing step cost us well over $ 20k that we should never have had to spend. But, we went ahead and did it to get away from Wells Fargo 's misleading practices. Hopefully, they won't buy our new loan from our new mortgage company.
Product: Debt collection

ACCOUNT RECOVERY SERVICE KEPT CALLING MY HOME AND CELL NUMBERS REPEATLY, I SENT CEASE AND DESIST LETTERS BACK IN XX/XX/XXXX. XX/XX/XXXX I PAID XXXX XXXX IN FULL FOR THIS XXXX XXXX DEBT AND THEIR ACTIONS ARE IN VIOLATION OF FTC, CFPB-FCRA, FDCPA AND TCPA.
Product: Student loan

I graduated from the University of Illinois in 2011. In total I borrowed {$20000.00} in private student loans with Navient. Since 2011, I have paid a total of about {$16000.00} but my principal balance is still {$19000.00}. How can this be legal? How could only {$800.00} be applied to my principle balance? 

Aside from this, it is ridiculous that Navient refuses to give you any accurate or helpful information about your account. 

I called to find out how much I have paid so far, and I was told something would have to be mailed out because they dont have access to that information. It seems odd that anyone could give me accurate information about my account if they cant see my payment history. 

When I inquired about making an additional {$50.00} payment through a round up app ( an app that helps you pay off your student loans by rounding up your purchases to the nearest dollar ), I was told that making additional payments would cause my minimum payment to go up {$200.00} because my rate reduction program would be cancelled. But when I asked how I can get my loans paid off faster I was told to make extra payments. Then I was told that I could make a payment for the entire balance. Navient does not care about their borrowers and has bankrupted my generation. As others have called it, this is financial terrorism.
Product: Credit reporting 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. 

I have informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX and XXXX, XXXX  XXXX account # XXXX and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX XXXX account XXXX XXXX, XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I had auto pay set up to pay my account in full every month. My due date is the XXXX. On XX/XX/2023 paid {$1000.00} through my XXXX XXXX account online and the other remaining {$2500.00} was set up to be paid through my XXXX account automatically in XX/XX/2023 Synchrony only withdrew {$1500.00} and then charged me XXXX in interest! I called and attempted to make phone payments on XX/XX/2023 and XX/XX/2023 for some reason they were not able to put the payments through so I went online and just did it that way with no issues. I tried to get the finance charge reversed and they refused to do it so at this time I have closed all cards associated with their bank resolution I'm looking for is a credit of {$42.00} in finance charge that should not have been charged because of their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX