23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I called the gift card company late XXXX before I went on vacation to verify that it was activated and the amount was all there. They said that it was active and verified the amount. I tried to use the card at several places while on vacation and it never worked. 
Today, I called the card company to inquire why the card didn't work and the person ( XXXX ) told me that since the card didn't have any numbers on the front I would have to open a complaint and needed me to send them a picture of my Driver 's License. I told them this is a gift card and I have the original pkg it came in & the receipt stub. I didn't buy it and I would not be giving them my DL. He proceeded to tell me I'd have to get in touch with the buyer and have them call in. I asked to speak to his supervisor/mgr, he put me on hold and no one ever came on the line. I hung up. I also went on the website to try and get the balance & they site said system error. Very frustrating.
Product: Debt collection

Every day for last two weeks Conns Furniture calls me looking for my ex-wife, I provide them with her number yet they call me repeatedly.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan out from this company to repay credit card debts and other bills that were immediately due. I had EVERY INTENTION OF PAYING THIS LOAN BACK, BUT I HAD MULTIPLE JOB LOSSES ALONG WITH LOSING EVERYTHING I OWN INCLUDING MY HOME, I WAS GIVEN THE RUN AROUND BY MULTIPLE COLLECTION AGENCIES INCLUDING XXXX XXXX XXXX, STRUCTURED SETTLEMENT AND THE XXXX XXXX XXXX IN WHICH HARASSED ME DAILY FOR MONEY IN WHICH THEY REFUSED TO ACKNOWLEDGE. REGARDLESS OF THE DEBT STATUS, THIS SHOULD HAVE BEEN FORGIVEN AND I AM ASKING THAT THIS IS REMOVED FROM XXXX XXXX AND ANY AND ALL RECORDS OTHERWISE I WILL SUE FOR {$25000.00} ALONG WITH CONTINUANCE TO COMPLAIN AND SUE THE PANTS OFF OF THIS COMPANY!!! I AM ALSO REQUESTING ANY MONIES THAT WERE REPAID TOWARDS MY DEBTS THAT I AM RECOUPED THOSE AMOUNTS ASAP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX acct # XXXX, has violated my rights. 

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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reached out to a company I XXXX  in search for a XXXX XXXX XXXX I put in my information to be reached out to about a kitten named XXXX and in response to the email. I was conversing with the owner of the website and we were talking about ownership of this cat so we emailed back-and-forth about my qualifications of owning a XXXX and if Id be a good fit and I met the qualifications so we exchanged information and the cat was XXXX $ and she told me it would be XXXX $ total cause she was located in Oklahoma and she needed to transfer the cat out for extra {$200.00} and to XXXX her the payment and then we will get my paperwork started, so I XXXX her the money and she sent me over to a cat courier to deliver the cat to me within XXXX hours and when I was emailing this courier back XXXX is the companys name they initiated that I needed to send an extra {$850.00} through XXXX that way they can get the cat out to me in a safer environment for the cage thats what I noticed that I was being scammed because the lady before told me it will only be a set price and that was it so I emailed her back and I asked her to send me back my money because I no longer wanted parts of this and I wanted to get my money back that way, I can go further into get my cat and she blocked me on all communications and I follow dispute with my bank three times and each time I was denied because yes I agreed to the transaction but I didnt know her website and she was fraud until after the fact, so Im basically just trying to get my {$700.00} back from my bank and they are not helping with the investigation I sent phone numbers and website information of this company that they are fraud and scamming I also sent information to the XXXX XXXX XXXX and report them as well. I dont know if I need to file a police report or what do I need to do next but I need my money back. I have emails. I have phone numbers from both businesses that are scamming and fraud, but no ones asking me for my information I bank with PNC bank XXXX is the scam website XXXX XXXX is the scammers name
Product: Student loan

On XX/XX/XXXX, EdFinancial added a loan to my account with a balance of {$540.00} and a " PAST DUE '' status for {$15.00}. This loan was paid off on XX/XX/XXXX - my XXXX  account shows that it was paid in full on this date. On XX/XX/XXXX, I sent a message to Edfinancial requesting that this loan be removed from my account as it was obviously erroneously added and deeply concerning that a canceled loan suddenly has a balance and a past due status. 

On XX/XX/XXXX I received an email from EdFinancial stating that this was due to the reapplication of a payment on XX/XX/XXXX I had requested. The payment had been applied across multiple loans when I requested it to only be applied to one loan. The loans were serviced by XXXX at the time, they did not fix the error, and then transferred to loans to EdFinancial in XX/XX/XXXX. EdFinancial stated that the payment readjustment added a balance back to this loan. 

On XX/XX/XXXX I emailed EdFinancial to request documentation that the loan payment from XX/XX/XXXX was originally applied to the loan in question ( XXXX ), as this can not be possible, considering the loan was already paid off in XX/XX/XXXX, 4 months before the payment in question. 

On XX/XX/XXXX, I spoke on the phone with EdFinancial. The customer service representative said that they would fix this error and send me the documentation requested. 

On XX/XX/XXXX EdFinancial sent me an email with documentation that they claimed fulfilled my request. However, all it shows is that a payment was made to my account on XX/XX/XXXX - it does not show which loans it was applied to. 

On XX/XX/XXXX I emailed EdFinancial to again request the documentation that has still not be delivered. 

Without any such documentation ( which I suspect does not exist ), it is evident that EdFinancial erroneously added a CANCELED loan to my account with a balance and past due status which is actively harming my credit score and causing me stress. They have not fixed their error for nearly a month.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light in the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


XXXX XXXX XXXXXXXX & XXXX XXXX
Product: Vehicle loan or lease

navy federal, denied me credit for a loan when im always in good standings plus XXXX XXXX XXXX XXXX ran my credit as well i need those inquires removed time frame was XXXX of XXXX till now
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX violations that Experian are furnishing with the accounts. Every marking is a federal consumer rights violation, and each violates Privacy Act of XXXX 15 USC 1681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n and 15 USC 1681a. I have previously attempted to fix this problem with Experian, but I see that they are continuing to violate my federal consumer rights that they agreed to uphold. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX  reporting 's. I will pursue Arbitration as my next step if we can't come to a resolution for the consumer rights violations and also monetary relief/civil liabilities.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX REMOVE THE INCORRECT ADDRESS OFF MY XXXX XXXX EQUIFAX XXXX XXXX XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX # XXXX XXXX, OH XXXX
Product: Debt collection

I ATTENDED XXXX XXXX XXXX FOR A WHILE THEN COULD NOT CONTINUE DUE TO HEALTH REASONS. THEY ARE TRYING TO COLLECT ON SERVICES NEVER RECIVED
Product: Credit reporting

CONSUMER : XXXX XXXXCOMPLAINT : TRANSUNION AND ALL CREDIT AGENCIES1. I AM TRYING TO BUY A HOUSE2. I TRIED TO GET MY FREE CREDIT REPORT AND WHAT MY FICOSCORE ISA : THEY CHARGED ME $ XXXX : THEY BILLED MY XXXX XXXX CREDIT CARD ANOTHER {$29.00} JUSTTO GET MY INFORMATION FREEITEM1. I THOUGHT ALL CONSUMERS RECEIVED A FREE CREDIT REPORT2. I THOUGHT TRANSUNION COULD NOT STEAL ANY MONEY FROM US. 
THEY STOLE FROM ME AND SAID, XXXX XXXX SO WHAT, YOU HAVE NO CONUMER RIGHTS WITH TRANSUNION. WE CANSTEAL ANY AMOUNT FROM YOU, IS THIS TRUEITRM1. I CANCELLED MYSERVICE TODAYAND SPOKE TO XXXX, EMPLOYEE NUMBER # XXXX AT TRANSUNIONXXXX-XXXXORDER # XXXX
Product: Checking or savings account

Wells Fargo would freeze my account for 15 day+ that would make my payments late. Now my credit report shows I have late payments
Product: Checking or savings account

Wells Fargo denied a {$5000.00} claim.. Will not help me get my money back from a dead end merchant that I can not get ahold of. I filed police reports and closed my accounts, changed my online banking info $ & got a new debit card. They state that I made no attempt to drain my account, when I specially told them to close it and lock it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


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

I reviewed my consumer reports and noticed that I had multiple late payments on accounts that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX Account Name : XXXX XXXX Account Number : XXXXXXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing in response to your inquiry regarding the disputed items on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have provided evidence that I properly disputed these items with the credit reporting agencies ( CRAs ) and/or data furnishers. Last attempt was mailed on XX/XX/year>. The FCRA establishes specific obligations for CRAs and data furnishers when a consumer disputes information in their credit report, including : Section 611 ( a ) ( 1 ) ( A ) : CRAs must conduct a reasonable investigation into disputed information upon notification of the dispute.

Section 623 ( b ) ( 1 ) : Data furnishers are required to investigate disputed information promptly and report the results of the investigation to the CRA and, if inaccurate, correct or delete the information. I will attach what I received below and this information will include documentation that demonstrate : The dates on which I initiated disputes with the CRAs and/or data furnishers. 
The disputed items in question, including the details provided to the CRAs. 
Confirmation of receipt of my disputes by the CRAs and/or data furnishers, where applicable. Given the evidence provided : I request that the CFPB ensures the CRAs and/or data furnishers comply with their obligations under the FCRA. 
If the disputed items remain unverified or unresolved, I request that the inaccurate or unverifiable information be removed from my credit report as required under Section 611 ( a ) ( 5 ) ( A ). 
Thank you so much for your time XXXX XXXX XXXX XXXX ) XXXX XXXX
Product: Debt collection

In XXXX I used the credit card for the first time in a few years and after being charged {$75.00} I payed off the amount in full on the XXXX of XXXX right before my payment due date. After receiving my mail months later, due to a delay for enlisting in the United States XXXX XXXX, I finally found out that the company has been charging me small {$1.00} payments or less for some reason undisclosed and after 6 months, the late fees and interest charges have piled up until now when I am finally able to pay off my debt. 

I am more than happy to pay off my debt but I don't even know why these charges have been made every month and why I was not made aware of these charges before I left for XXXX XXXX XXXX. 

I am willing to pay the debt amount but not the interest or late fees. 
I can provide orders concerning dates of enlistment as well as my payment statements made on time. Thank you very much!
Product: Student loan

I submitted an application for loan forgiveness to Granite State Management & Resources, who holds my loan, and although I met all the requirements, they denied my request stating that I had another loan in default but I do not. XXXX can attest to the fact that all my loans are in excellent standing and that I am not in default of any loan. I owe approximately {$600.00} for the XXXX XXXX XXXX loan that Granite State Management and Resources holds, and have made payments for over 10 years without fail. I have also worked at a XXXX and am a XXXX ( 13 years ).
Product: Mortgage

We have our mortgage with XXXX. They were amazing during the loan application process, but their payment and billing management is terrible and detrimental to our finances. We closed on our house in XX/XX/XXXX. Sometime a few months later we realized that, despite on-time ( and even early ) payments, our online was consistently showing " past due. '' We had to call several times to get things figured out. Finally, we found a helpful individual ( XXXX, XXXX ) who said he knew the issue and would walk the relevant department through fixing it. He even created a case number ( XXXX ) for us so that we did not have to re-explain the issue every time we called. He explained what happened : Our XX/XX/XXXX, payment was applied to XXXX when it should have been used to XXXX. Our XX/XX/XXXX, revenue was devoted to XXXX and should have been applied to XXXX. Soon after talking to XXXX, this particular issue was fixed ; however, I was not monitoring my credit very much back then. In XXXX at some point, I started to check my credit reports with the agencies. I noticed that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments were listed as XXXX/XXXX days past due. I disputed this with all of the credit reporting agencies. This resulted in an update to my credit report that listed those months as paid on time but added a new ( and inaccurate ) late payment ( XXXX ). I can't remember the details, but we were trying to refinance the house with XXXX in XXXX XXXX, and I brought up the inaccuracy with the loan agent. He was able to get it corrected in about a week. A few months later, I noticed a new inaccuracy ; this time, XX/XX/XXXX was listed as late. We have since then been trying to dispute this with the credit agencies, and Axos keeps verifying the accuracy. We have called and emailed Axos repeatedly to no avail. I typically get confirmation on each phone call that the account has no late payments. I am told to email customer support or that the agent will contact the relevant department and that the issue should be fixed within the week. And then it never gets fixed. Today, I got the experience dispute results back, for the 3rd time, saying that Axos verified the late payment as accurate. I immediately Axos and talked to an agent. She confirmed that there were no late payments in our account and that she saw that we had been calling/emailing/requesting investigation and rectification for over a month. She said she would note this in our files and contact the relevant department to get this fixed within 48 hours. Regardless of if this gets fixed, at this point, our credit has been essentially detrimentally impacted for the last 2.5 years. This has important implications for every aspect of financial life ( insurance rates, car loans, refinancing options, etc. ). I am also concerned that they may not have accurately assessed late fees and interest. I can't tell for sure, and XXXX checked all of this in XXXX. I am including details and evidence in a PowerPoint for your reference.