23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

During the pandemic I was laid off. I contacted XXXX XXXX in which I have auto contract with and requested accommodation due to the pandemic. I explained that I was laid off and I was assured that my account would not be placed in any default status. I recently pulled a copy of my credit report in XXXX and noticed a series of late payment posted during the pandemic dates. I contacted XXXX XXXX and the CRA 's in XXXX to get this rectified and was assured the late payments occurred due to an automated billing error and would be removed. Furnishing the late payments to my account is in violation of 15 USC 1681 S-2 ( F ), as those periods were covered during the CARES Act. Furnishing those payments to my account as it stated as a billing error, further violates 15 USC 1666B. 
Posting those inaccurate late payments to my account are affecting my payment history and ability to obtain credit.
Product: Credit card or prepaid card

In XXXX of XXXX I noticed two fraudulent charges on my Citibank Visa card by a company called XXXX XXXX. The charges were made on XX/XX/XXXX for the amount of {$2400.00} and XX/XX/XXXX for {$2400.00}. 

The following month ( XXXX ) there were two more charges : one on XX/XX/XXXX for {$1400.00} and another on XX/XX/XXXX for {$1400.00}. 

When I initially disputed these charges in XXXX I was told there would be an investigation of the disputed charges, and soon after I received an email that the dispute was corrected and the charges were rectified. 

In XXXX these charges seemed to be resolved and I was issued a credit for them by Citibank. 

In XXXX there were two more charges in the amounts of {$2400.00} on XX/XX/XXXX and {$1400.00} on XX/XX/XXXX, these charges were categorized as " Reverse " from XXXX XXXX. I immediately contacted Citibank and they very rudely explained that I had been credited twice once by XXXX and again by Citibank Visa and that is why I was being charged again. I have no dealings with XXXX and never received credit from them, maybe Citibank was credited but I was not. This explanation was explained rudely and condescendingly by a woman named XXXX and a man named XXXX in Customer Service. After what seemed like hours I was directed to the fraud department where I requested an audit of my account. I was told someone would be contacting me soon to let me know my current balance. As of today, I have not been contacted by anyone in the fraud office.When I went online to view my current statement there was another " reverse '' charge to my account. 

I was not credited by XXXX and these charges should be permanently removed. I now have a substantial bill and have been rudely dismissed by XXXX, XXXX, XXXX and other Citibank representatives. My feeling is that if a merchant has billed someone in error, the fraudulent charges in dispute should not be my concern, the resolution should be Citibank 's. My concern is I don't want these charges on my card and I don't want my credit disrupted by incompetence and fraud. 

Please tell me how I can correct this situation and not pay any interest or fees relating to this dispute.
Product: Debt collection

Scheduled XXXX  appts w/an Dr that took my insurance in Nevada.A few days later I fled a XXXX XXXX XXXX ( police involved ) did not think to cancel appts. Drove from XXXX to XXXX with my XXXX, 2 dogs and the clothes on our backs. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX.Spoke to them and mailed correspondence disputing the collection on XX/XX/XXXX. They closed account and said they would not seek further action on XX/XX/XXXX. The following year I requested a credit report from XXXX. Found a Plus Four Collection for the same acct. I called XXXX XXXX and they said they could do nothing about it as it was not them reporting to the credit agencies, it was Plus Four Inc who had forwarded the acct to them for collection. I called Plus Four and they refused to discuss it with me AT ALL as they were not licensed to collect in NYS. I disputed w/ XXXX - they removed from credit report. A few weeks ago I was told by my bank that XXXX was reporting the debt from PLus Four. Filed a dispute. They contacted Plus Four and were told that it was an active collection so it is not being removed from my XXXX report. This has affected the interest rate on home equity and auto loans. I again contacted Plus Four today, XX/XX/XXXX, and they again refused to talk to me. So I am stuck with XXXX XXXX saying it's a closed file but they can not assist in removing from credit reports as it is Plus Four that is reporting it and Plus Four is refusing any communication. They would not even provide me with an email or fax #.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am requesting that XXXX and Transunion follow suit and remove the account XXXX XXXX XXXX XXXX. XXXX has since removed the account due to inaccurate reporting. This account was last reported in XXXX, yet you are reporting XXXX. Please provide relevant documentation for your claim. Your inaccuracy is causing stress and many lost opportunities. The account is over 7 years old and should have been deleted in XXXX. The company has also failed to send a form 1099c for the alleged charged off account. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report without a 1099c present. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. If you did not receive this from the company remove this account immediately.
Product: Credit card

On XXXX XXXX XXXX a charge of {$1800.00} was made to my credit card ending in XXXX by a company named XXXX XXXX XXXX XXXX. I did not authorize this transaction, nor did I request or receive any services or products from this company. The listed products and services are inconsistent with my living situation, as I reside in an apartment and have no need for roofing services. 

I contacted my bank, Apple Card issued by Goldman Sachs Bank USA, and filed a dispute, requesting proof that I had authorized this transaction. The bank provided a transaction summary that included an authorization code, but this does not constitute proof that I personally approved the charge. No OTP, PIN, or other form of consent from me was provided. 

Additionally, during the time of the transaction, I received a significant number of spam emails and text messages, which appears to have been an intentional distraction to prevent me from noticing the fraudulent transaction. The companys website is no longer operational, further indicating fraudulent activity. 

Despite my attempts to resolve this issue, the bank has denied my disputes multiple times, claiming the charge is valid without providing sufficient proof of my authorization. I am requesting the CFPBs assistance to resolve this matter and have the unauthorized charge refunded. 

*** I realized that I provided on CFPB account the wrong phone number in my complaint. Please update my contact information to the correct phone number : XXXX. Thank you for your assistance.
Product: Debt collection

Columbia collection company has cancelled my payment arrangement twice and then immediately garnished my bank account for debt repayment. They took my boyfriends workers compensation money out of our account in XXXX 2014. Now they sent me a letter saying I defaulted on my new payment arrangement because it closes every six months. I 'm apparently supposed to re start it or they consider it a default and garnish my bank account again. What can I do?!!
Product: Debt collection

This company is trying to collect a debt that the VA has already paid. This is in additon to XXXX others they are trying to collect that the VA paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX XXXX-XXXX-XXXX-XXXX Made a " Hard Inquiry '' to Equifax that I did not authorize. 

I contacted XXXX XXXX. They do not know who did it. 

I have set up a Fraud Alert and initiated a security Freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has previously removed this account for identity theft and allowed it to be furnished again under a new company without any validation of debt. I would like this account blocked and removed as soon as possible. Its a violation of my consumer rights and defamation of character. Account number XXXX XXXXXXXX XXXX
Product: Credit card

The credit card I had was for XXXX, which has since filed bankruptcy. I returned merchandise and a refund was never credited to my store card which is issued by Comenity Bank. XXXX sent emails saying they are no longer processing any returns or refunds and to dispute any charges with the credit card company, which I have done. Comenity Bank is now refusing to credit me and passing the buck back to XXXX even though they are unresponsive. I made my purchase on XX/XX/2016 and it was for XXXX. My account number with Comenity for my XXXX card was XXXX.
Product: Prepaid card

I opened a dispute for an unauthorized charge around XX/XX/year>. I was then asked in XX/XX/year> to send documents confirming I purchase it and my identity. Things still show processing after another phone call today about it. They keep says 45-90 but we are way over that now.
Product: Debt collection

Dear MIDLAND CREDIT MANAGEMENT  Account # XXXX ; XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

My complaint was for the debt collectors COLUMBIA DEBT RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX They said i owe a debt of over XXXX for apartment damages but this amount is way too much. Theres no way anything XXXX worth of damage was done. I did have a dog so there was carpet damage and a few things were left behind, but that it
Product: Checking or savings account

I received a call from who I thought was a Wellsfargo representative named XXXX XX/XX/24. She told me there was fraudulent activity on my card and someone had access to my online banking account. She claimed in order to protect my account I need to close my old checking account and wire transfer my funds into a new checking account. She sent me verification codes through text messages, and directed me on the wire transfer. She then told me a Wellsfargo representative will call me within XXXX hours to confirm this transaction. 

On XX/XX/XXXX, I did not receive a phone call so I called Wellsfargo and they confirmed no new checking account existed but that the wire transfer happened and was sent to a XXXX XXXX to a person named XXXX XXXX. I then filed a fraudulent claim that I did not know this person and sent it under false pretenses. In addition, I filed a theft police report. 

I called Claims dept on XX/XX/24 to check the status and the representative said they contacted XXXX XXXX. XXXX XXXX reported no return of funds that were stolen. Therefore, Wellsfargo will not refund me the stolen amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED A DISPUTE ON XX/XX/XXXX CREDIT AGENCY STILL HAS NOT FINISHED THEIR INVESTIGATION WHICH PER THE FAIR CREDIT REPORTING ACT, SECTION 611 ( A ) ( 5 ) IF YOU CAN NOT VERIFY THE INFORMATION WITHIN THE 30 DAY TIME FRAME YOU MUST DELETE ALL THE DISPUTED AND UNVERIFIED ACCOUNTS.
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear [ cex.io/Compliance TeaXXXX ], Thank you for your recent communication regarding the closure of my account. I understand that this decision has been made based on your compliance procedures. 

However, I would like to urgently address the matter of the assets currently held within my account. I made a deposit of XXXX with my XXXXXXXX XXXX XXXX and XXXXXXXX XXXX with my XXXX account wish I bought XXXX  and my account was lock for 5 days after my account was close and my asset with cex .io they refuse refund of the money back to my account saying all sort of things not related. 
Since the decision is not open to appeal and details can not be disclosed, I am requesting clear instructions on how I can retrieve my funds or transfer them to an alternative account before the closure is finalized. 

Please advise on the necessary steps I need to take or the documentation required to facilitate the release or transfer of my assets. I would appreciate a prompt response to ensure this matter is resolved without unnecessary delay. 

Thank you for your assistance and understanding.
Product: Mortgage

This is updated evidence documents for previous filed complaint. Cant attach more to it so adding the information and sent to Bank of America
Product: Credit card

Hello, I scheduled a flight for my fiance through Chase Visa Travel for XX/XX/2023. He was supposed to get his XXXX on time to make the flight, but the US government had issues distributing XXXX XXXX on time as they were very backlogged. Our wedding was scheduled for XX/XX/2023. He had 2 weeks to get here and a lot of legal prep work to do before we could get married. I called Chase Travel to cancel the flight and to reschedule for a different day, but XXXX did not have any reasonable flights during that time frame. I asked for a refund but they would not refund my money as he did not " qualify '' to bypass the cancellation. I did let them know that it was not his fault that he had to cancel the flight, it was an issue with the US government issue. They gave me a voucher for my husband to use in his name only with that same airline sometime in the next year. In order for him to get here before the wedding I had to book another flight with a different airline. 

We no longer need a voucher, and would just like our money back. I've called twice on this and unfortunately they are not budging. Any help or assistance that you could give would be greatly appreciated! Thank you so much! 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am very frustrated with how wells fargo has treated me in this situation. My online account was XXXX on XX/XX/2015 I called wells fargo but they told me to go to a local branch to open a new one. I did but on the last day of me finishing opening up the new checking account, XXXX XXXX was in the branch, which I had no idea she was there. Then a few minutes later the police showed up but they didn't do anything to me as I wasn't harassing anyone & the banker I was working with can verify I wasn't harassing XXXX XXXX. But she complained to XXXX XXXX who sent me an ugly hostile letter, saying wells fargo is exercising its rights to close my checking account. I called XXXX XXXX but he told me in an ugly tone that I knew what this was about. This was why my new checking account was closed so XXXX XXXX could do this evil dirty trick to have me arrested at the wells fargo branch. But wells fargo has refuses to do anything to make it right. This is real frustrated XXXX XXXX harassed me falsely calling XXXX on me trying to humiliate me. I never wanted a checking account to begin with, but I was pressured into opening one. When I wanted to cash my insurance check but I was approached by XXXXXXXX XXXX XXXXXXXX for me to open a checking account to deposit into my checking account. This was criminal what XXXX XXXX and those employees did to me, at the XXXX XXXX location. Why did they allow me to open a new checking account which wasn't in the negative if I was going to be treated this way? But wells fargo refuses to take action on these employees.
Product: Checking or savings account

i opened my account with wells fargo initially XX/XX/XXXX XXXX i forgot that i opened it and had lost the account long ago. so recently i tried to opening an account with them. XX/XX/2023 i called them to see if someone could help me open one. they already have me in their system from the account i opened in XXXX but i cant open a new one due cant verify identity despite having one opened 3 years ago as well as having the same exact email address. knowing the address i had on file which was XXXXXXXX XXXX XXXX XXXX ny XXXX the phone number being XXXX and they cant still verify my info from the account but cant open a new one. so i get told to go to a branch even though my zip code is XXXX and they even acknowledged there isnt a branch for 100 miles. i tried getting in contact with the branch located in new york XXXX to try to get help to open it over the phone no one ever even got on the line. i received a secured email message the same thing i asked them if i could use to send in my id and ssn to open the account since i cant get to a branch in person. they too never get back to me. i have tried numerous times to get help opening this account again and getting a debit card sent to me but i guess what they say about wells fargo and them constantly scamming and wronging their customers/ not caring about them at all is entirely true.
Product: Credit card

I got an amazon credit card issued by Synchrony bank over 3 years ago, they gave a credit line XXXX, i've been paying XXXX dlls every month instrad of of the minimum amount of XXXX dlls. Is been more than 2 years and a half paying this amount and my a balance never change, still shows XXXX dlls balance, how is that possible?
Product: Credit reporting or other personal consumer reports

I have been having problems with this issue. No one knows why my information is incorrect frequently or why I can not receive my credit report that I paid for. I also tried to get this first with the annual credit report, but I was unable to obtain it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i got a fraud alert on my XXXX XXXX transunion consumer reports. i immediately gave both agencies a call about this fraudulent hard inquiry. they informed me that the fraudulent hard inquiry would be removed within 24-72 hours. i provided both companies with an FTC report, CFPB report original copy from XX/XX/XXXX, XXXX i also made reports with the XXXX & Attorney General of Oregon complaint center.
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 told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX 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. 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.