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

I ordered shirt from XXXX XXXX {$95.00} They sent me the wrong size. I returned the item to XXXX and paid additional {$35.00} for mail. 

The company kept the returned item and never reimbursed me. 
Discover card did not accept my 8 pages of proof and documents showing that I did return the item and that the XXXX  initially sent me the wrong size. Discover card decided to side with the fraudulent XXXX company which has a history of reaping customers like me. I spoke at least 3 times with Discover agents who denied receiving my faxes and uploaded documents and finally decided to reward the fraudulent company instead of loyal customer like me that holds Discover card for 15 years and never missed a payment or rarely disputes.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I was an actual victim of credit card theft. The Amount owed is nearly XXXX dollars. I disputed with the credit card company but they refused to grant me the money back dispute the fact that Ive had to file a police report and even go to court and the guy even admitted to doing it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 report of Bankruptcy by XXXX XXXX XXXX Lexis Nexis and XX/XX/XXXX of discharge. This was not reported by the bankruptcy courts, my information was looked up illegally and was reported to the credit bureaus by Lexis Nexis which needs to be removed from my XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- I sent my money into a savings acct. They essentially " SELL '' credit reporting. I tried calling several times to ask about cancelling, sent messages, etc, and then notified them that I wanted to cancel -- -- they do not respond, they never answer the phone, they never return messages or call back. A month later, I stopped the autopay. They reported me XXXX days late -- and I told them " I cancelled ''. So they said " we have no record '' and I said " you don't even acknowledge or respond '' So now I have a closed account, XXXX days late, on my equifax and XXXX. I really think self/lead bank need to be shut down- because they are selling credit reporting.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/year> - {$00.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 vears.

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

They have reopened the account under many new numbers and I have been disputed it since. The documents they provided show the account that was closed under the Fair Credit Act. All merchandise was returned or NOT received. There is a credit on original account. 
I have disputed with the same information over and over and they never submit any documentation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, XXXX, and XXXX regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureaus in question. 

The disputed items on my credit report include the following : TransUnion : 1. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department XXXX XXXX XXXX. 
AZ XXXX CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

XXXX : XXXX. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department XXXX XXXX XXXX. 
AZ XXXX CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

XXXX : XXXX. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department XXXX XXXX XXXX. 
AZ XXXX CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

I have made two attempts to request the credit bureaus to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureaus to rectify these inaccuracies.
Product: Credit card or prepaid card

I was charged late fees for XXXX and XX/XX/XXXX when I made timely payments. I was also charged a finance charge even though it's supposed to be 0 %. Total fees were {$82.00}. 

I'll admit that I was really angry on the phone after about the one hour point. They were deliberately giving me the run around and I reached a breaking point. 

This is the text of the email I sent to the Synchrony Bank CEO XXXX XXXX : In XX/XX/XXXX, I purchased a XXXX sewing machine and financed through Synchrony back. In XXXX, I was charged two late fees when I had consistently paid my bills every month without fail. I called, they saw I made my payments and waived the fees. 

Now, this has happened again. I was charged a {$40.00} late fee for XXXX even though I had paid my bill in XXXX. When I saw the late fee on my XXXX bill, I tried to call twice. I was on hold for over an hour on those two calls and never spoke to a person. I assumed it was because of the COVID-19 lockdowns, paid my normal payment and Synchrony Bank would be reasonable out working it out in the next billing cycle. Now Ive gotten my XXXX bill and there are {$80.00} in late fees and a {$2.00} finance charge. 

Again I tried calling. Ive been on the phone with four different people for two and a half hours today, two of whom hung up on me and two of whom directly called me a liar. I repeatedly asked for a supervisor and wasnt given one. I asked for a name of a specific person I could write to and was told they could only give out a general inquiries address. I am understandably very angry at this point. This is starting to feel like a scam. 

Every month, I wait until I get my billing statement and I make my payment IMMEDIATELY. I told the representatives this and two of them called me a liar. Im not lying. I have made my payments without fail as soon as I get my statement. Furthermore, I should not be held accountable for late fees when I tried to call to resolve the problem in XXXX and you did not answer the phone, especially since your staff were probably not available due to COVID-19 issues. I'm astonished that your bank is so unreasonable about this. 

I want the {$80.00} in late fees and the {$2.00} finance charge waived. It's a reasonable request. Even if we disagree on on timing ( and I'm not lying ), my record clearly shows that I make monthly payments and you should exhibit some basic human decency, recognize that, and waive these fees. 

I have always enjoyed an excellent credit history. Now, my score is going down because of you reporting late payments that are not actually late. If this is the way you treat your customers who make their payments, I would hate to see what you do to those that truly are late. 

I am copying this to Billing Inquiries Address, XXXX. XXXX XXXX, XXXX, FL XXXX via US Mail. I will also be filing a complaint with the Consumer Complaint Protection Bureau.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 purchased {$1000.00} in goods from XXXX XXXX, using PayPal. XXXX refunded {$410.00} XX/XX/XXXX and {$280.00} XX/XX/XXXX. The remaining funds of {$380.00} were supposed to be credited to PayPal within 4-6 weeks. In has been 8 weeks. I have an mail from XXXX dated XX/XX/XXXX stating that my missing refund of {$380.00} has been processed. I spoke with XXXX and PayPal XX/XX/XXXX, XXXX stated that the refund has be sent in XXXX parts : {$370.00} and {$9.00}. XXXX gave me transaction identification numbers for these transfers : XXXX and XXXX. PayPal was opening a case to find the missing money. PayPal sent me a note stating a refund was was received for {$410.00}. This is not the disputed amount. It seems that PayPal and XXXX are treating me like a ping pong ball with neither one taking responsibility for the missing {$380.00} due me. They hope that I will get frustrated and disappear, but this is nearly {$400.00} dollars of my hard earned money. These companies, especially PayPal, have been giving be the runaround for XXXX months. Please, Please, help me.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : SOC SEC ADMIN OFFICE O XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. SOC SEC ADMIN OFFICE O must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report SOC SEC ADMIN OFFICE O to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a XXXX form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding SOC SEC ADMIN OFFICE O accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Checking or savings account

I want to report that I have been a victim of fraud. With my name, social security number, and address, someone opened a bank account in my name, on XX/XX/year>, which was immediately canceled. We received a check from the bank for the amount that the person opened the account with, which we have in our possession. I would like to know if I need to do anything else besides sending this email to protect my identity. Thank you for your help and attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Checking or savings account

I've been driving  XXXX  and XXXX since XXXX. I received an XXXX loan from the XXXX on XX/XX/XXXX. When I went to the bank on XX/XX/XXXX, to withdraw a certified check for {$12000.00} to buy a car to work, they froze my account, citing that there has been fraudulent activities on my account and that it needs to be reviewed. They asked me to send my XXXX and XXXX tax return. I immediately sent it in. That same evening they emailed asking for my XXXX tax return and a bank statement showing proof that I either paid money to the irs or that I received a refund. I again immediately sent in the tax return and the bank statement. I have been calling them every day because I need access to the loan that I must repay with interest. I can't get the car I was getting and it's affecting my livelihood. Each time I call, I'm told that an investigator will review the documents and if they need anything more from me, they will let me know. However, they have no way of getting in touch with the investigator and there's nothing else they can do to clear my funds. It's been over a week and no one has reviewed the XXXX  simple documents I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : ACC NO : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX/XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Hello Consumer Finance. 

Tried to purchase some cigars from XXXX XXXX XXXX for {$520.00}, and some shirts from XXXX XXXX for {$450.00} last Saturday XXXX and pay for them with our Capital One BUY POWER CARD Master Card. 

Both Transactions were declined for payment. Was rather embarrassing as both my wife and I have excellent FICO Scores, and, always try to pay off all balances monthly. 

Called the XXXX and spoke to the robot, admitted to making both purchases, and went back to purchase both carts as the fraud alert had been removed. 

Tried XXXX again, and was declined. XXXX XXXX  transactions had went through but, most of the items that had been on sale had magically returned to their non sale pricing. 

Called XXXX again, and spoke with a XXXX, who was in the XXXX and asked, Why did you block my purchases due to suspected fraud activity? He indicated that he would try and get the block removed and if he could place me on hold for 2 minutes, to which told him no, and hung up. 

Tried again unsuccessfully to purchase my cart items at XXXX and called back and spoke with a Supervisor XXXX who ended up stating that they could not identify me and that I needed to prove my identity, would need to provide a mobile cell phone number that they could send a 6 digit pin to that I would respond with. 
Was so agitated and frustrated. 

Tried to use my wife 's credit card to purchase my cigars, which are only on sale for XXXX 's Day, and, whoever, blocked her card, or, the transaction as well. 

Thought it might have been dollar amount related, so tried to purchase a smaller amount of cigars at XXXX, with my card, and was denied also. 

Sent a complaint to MasterCard, and would like to enclose their response, as well as the XXXX 's response regarding this issue to you. 

Again, so frustrating that they feel that they have a right to prohibit a purchase for a lousey +_ {$500.00} dollars. Why? This is what we would like resolved if you are able. 

The experience has forced us to seek another credit card company, and hopefully, one that treats us with appreciation instead of oppression. 

Thank you for your time, Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased a product from an online retailer XXXX XXXX XXXX ( XXXX ). I used the Pay in 4 payment option ( XXXX ) to buy the product. Unfortunately I never received the product that was advertised. I made several attempts to contact the retailer so I could return the product for a FULL refund and did not receive any information. I contacted PayPal , Inc. for assistance in this matter. I requested that they contact the seller on their platform so they can issue a return label so I could return the counterfeit product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not approved by me, some inquiries were removed and put back by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage was closed and paid in full to XXXX during a refinance. XXXX is reporting the XXXX Payment Late and the Account still remaining open with a late payment history in XX/XX/2019. It needs to show closed in XX/XX/2019, and paid as agreed with a {$0.00} balance as of XX/XX/2019.They refused to make any corrections -despite the numerous calls to customer service. They also refuse to transfer me to the department in charge of credit reporting, and also the legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Mortgage extended me three months of forbearance on their own and also under the CARES Act of 2020, during the COVID-19 lockdowns, for XXXX, XXXX, and XXXX of 2020. Even though they promised not to report this forbearance as delinquency, and even though their doing so is supposed to be illegal, they reported the payments as delinquent, negatively affecting my credit report and score. I made the proper request of PNC. Ive tried to get them to fix this. I filed a dispute with XXXX, but PNC wont budge. This is illegal and immoral. They promised they would not do exactly this, and theyve been evil about it.