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

This is a CareCredit Card..that i used for XXXX XXXX XXXX XXXX XXXX They charged Interest and fees on transactions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and ask them why these charges and they said it was a promotional deferred payment..if i paid within a certain time... i would not be charged ... I was not aware of this at all and was not told ... I told them i can not pay this amount of charges added to my bill and they said i had to pay ... XXXX XXXX XXXX XXXX XXXX retired person and i can not pay with ridiculous amount of charges that i did not know of... please help me ..i told them i cant pay and could i get the charges off or reduced and they said No..I can not pay this amount ... what do i do ... not pay anymore? And let it ruin my credit or what should i do? 
Thank you XXXX
Product: Vehicle loan or lease

Wells Fargo drop the the ball when we asked for COVID relief on my daughters car loan there system when you call will hang up after you hold for 45min It has happened to me MANY times. The bank rep a Mr.XXXX says there no record of it. I asked for proof they wont give me any!
Product: Money transfer, virtual currency, or money service

Payment method : XXXX XXXX date and time : XX/XX/XXXX  XXXX ( XXXX ) Transaction number : XXXX Status : failed You have reached your sending limit. For detailed information, please, contact PaySend Client Support. 

Transfer amount : XXXX USD Transaction is failed, I didnt receive the refund, it has been posted on my bank account, also its approved on XXXX XXXX transaction history, it didnt show its refunded.
Product: Mortgage

I have recently received a communication from Resurgent Capital Servicesin regards to a cancelled debt that was previously serviced by XXXX on behalf of XXXX. My son was given a notification by XXXX varyfying that the debt had been cancelled in XXXX 2015. XXXX is making an attempt to collect on a cancelled debt, and this is a violationof the XXXX Debts Collection act.
Product: Checking or savings account

On XX/XX/XXXX I received an Email from Wise Ltd asking me to provide as US govt issued document. They stated that this could be any of the following ; US driving license US passport US visa Green Card US refugee identity document I do posses a valid US Visa so that would have surfaced. 

I however raised to them my need to change the address to my address in XXXX since that is where I am mostly based. They told me that is fine and all I need to do submit that documentation in their app. Imagine my surprise when my account was closed without explanation because I did what they advised me to do.The account was closed because I submitted a proof of address in XXXX yet they hadn't updated that on their end. 

Iam happy to submit my visa and keep account as USA if that can help them resolve this and restore my account and cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the Consumer financial protection bureau complaint ID XXXX filed on XX/XX/2021. The complaint was against XXXX XXXX XXXX reporting a collection and or charge off of {$97.00} on my Equifax credit report. I have disputed the information twice with Equifax, dispute # XXXX and dispute number XXXX Requesting the collection be removed from my credit report as the account has been paid in full directly to XXXXXXXX XXXX XXXXXXXX who is the original creditor. XXXX XXXX XXXX XXXX responded on XX/XX/2021 to my CFPB complaint with the following response : we have already updated the account information and have placed the instructions to have the account removed from Miss XXXX XXXX credit reports and we will send Miss XXXX  a letter confirming this deletion. I also faxed Equifax supporting documentation on XX/XX/2021 requesting the deletion. They have refused to remove this account off of my credit report. Equifax costed me issues with delaying my closing date of my new home as a result of this issue. I also called and told them that I was going to report them with the attorney general as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights are being violated under 15 U.S. Code 1681c-2 and 15 U.S Code 1681b
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX  : # XXXXXXXX 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 years. 15 U.S.C. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I want the CFPB to publish this description on consumerfinance.gov so that others can learn from me.

The CFPB will take steps to remove my personal information from this description but someone is still able to identify me. Learn how it works. I consent to publishing this description after the has taken these steps.
Product: Credit card

I am complaining for transactions that took place around XXXX XXXX and for which the company ruled several times against me without providing any justifications. The total amount is about {$5000.00}.
Product: Checking or savings account

I'm filling a complaint against wells Fargo mediation program for violating my rights some one stole my wallet with my personal information wells Fargo had a mediation some one pretending to be me so they sent me a form to fill out XX/XX/XXXX and I did the reason is I opened a account at wells Fargo a white female told me u get XXXX own a promotion when u open account up so I did I never got no paper work explained about over draft fees the XXXX said don't go through drive thru because the bank teller hate XXXX so I went to the ATM machine no money came out I got over draft charges for XXXX dollars and some XXXX in they branch open another account in my name I spoke to a mediator XXXX XXXX she gon na tell me all u XXXX sounds a like I'm seeking mediation for XXXX dollars they not right I'm a human like they are
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.
Product: Mortgage

I am extremely and utterly furious in the way TCF Bank has been handling my case! I was trying to work out a plan in order to help me get back on track with my missed payments and they stated they would n't review my file unless it was 37 days prior to the sale date. My sale date was for XXXX XXXX, 2016, and I filed for Bankruptcy Chapter XXXX on XXXX XXXX, 2016 at XXXX XXXX. I submitted the documents to TCF Bank Bankruptcy department and confirmed the sale date was postponed. I then get contacted by a real estate agent that has an offer from a buyer willing to pay cash and he explained the short-sale process and the benefits of it. I was then told on XXXX XXXX, 2016 that I had a new sale date for XXXX XXXX, 2016! At that point I have no other options, but to let my house sell. XXXX XXXX from TCF Bank stated there 's no loss mitigation process that can get started because its less than 37 days that is required. THAT IS SO INFURIATING, because I just found out about this offer and now I cant even get that review because they put up another sale date right after I had filed for Bankruptcy! This is a perfect example of how unjust and lack of faith there is in our banking system. This is the vicious style TCF Bank enjoys to perform in order to keep my home and still make more money at the end. It 's banks like these the reason this country is considered greedy and malice! I had tremendous faith in our banking system and in TCF Bank. I thought these government programs were created to help distressed homeowners, but TCF Bank is only interest in how much more money they can get out of my property!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Product: Credit reporting or other personal consumer reports

XXXX Submit LexisNexis State disclosure report dispute via online portal - Case # XXXX. Reports contain fraudulent and incorrect name, address, phone, business association, email, marketing, property deed, insurance, inquiry, digital idenitty, and ID analytics records. Proof of identity - passport, and proof of address - utility bill, were provided. 

XXXX LexisNexis email response - refuse to process dispute, request ID verification. 

I have previously provided all the ID and address verification documents I am required to. 

California Privacy Act and Fair Credit Reporting Act required LexisNexis to remove fraudulent and incorrect information.
Product: Credit reporting or other personal consumer reports

I have initiated multiple disputes with XXXX, XXXX, and Experian regarding inaccuracies on my credit report, but these errors have not been corrected, despite my repeated efforts to resolve them. The credit bureaus have failed to take the necessary steps to correct the issues. 

Failure to Mark Disputed Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The disputed account has not been marked as " disputed '' on my credit report, which is a requirement under the FCRA. 

Inaccurate Reporting of Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The credit bureaus have failed to ensure that the information on my credit report is accurate and complete, resulting in incorrect reporting that affects my creditworthiness. 

Failure to Provide Documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : No sufficient documentation was provided to verify the disputed account, leaving the information unvalidated and unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

These late payments do not align with my established payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

Have had a credit card wi th Amazon.com for a  while. They pulled an unauthorized credit report and closed my account prior to informing me, based on a medical bill that is currently being resolved. I have always had a good standing account with them. My current orders that are time sensitive will be declined and a negative impact on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting

I submitted a dispute with all three credit bureaus ( XXXX/XXXX/Equifax ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Debt collection

the amount is not correct. the original amount balance was {$140.00} my insurance paid I paid out of pocket due to they did cosmetic dental knowing I did not authorized and knowing my insurance would not cover it, this was addressed before I made the appointment. I disputed the bill. We had an agreement of lesser amount, they were to take off {$90.00} off the bill but there balance of {$140.00} minus {$90.00} came up to a balance of {$82.00} the correct balance was {$57.00}, but it was already in collections when we made the agreement. I have it in writing on the agreement. I will pay what was agreed upon the {$57.00} or I wo n't pay none.
Product: Debt collection

Ras Lavrar filed a lawsuit against me on behalf of XXXX XXXX credit card on XX/XX/XXXX. On a previous complaint, they claim they sent a validation letter on XX/XX/XXXX, which I never received. I never had an opportunity to validate the debt. As they stated in their letter it was sent on XX/XX/XXXX well XXXX  days falls on XX/XX/XXXX to allow someone to validate the date, instead, they went straight into filing a lawsuit on XX/XX/XXXX. Please see the attached documentation.
Product: Checking or savings account

I've been with this Bank as a customer for almost 40 years and I have an Excellent Record with them. What happened is that I used XXXX XXXX to pay for merchandise on XX/XX/XXXX in the amount of {$110.00}. The very next day I canceled the transaction with the company that I was going to purchase the merchandise from. The company then notified me that they acknowledged and received my request and that I will receive a refund. However, as of today XX/XX/XXXX I have not received a Refund or any Merchandise that I originally ordered. 
I called my bank on XX/XX/XXXX to state that I do not want the said transaction to go through my checking ( debit account ). Therefore, the Bank suggested that I put in a dispute with the Bank to dispute the charges and to send in paperwork stating that the company acknowledged the dispute and agreed to reimburse the funds of {$110.00} back to me. After which at their request the Bank canceled the Debt Card that was used for the purchase and started the dispute. I then emailed the Bank the paperwork from the company acknowledging that that the merchandise was canceled and a refund of {$110.00} would be given back to me. The Bank then credited my account back for the funds of {$110.00} approximately two days later after the paperwork was received by the Bank via email. As of today XX/XX/XXXX I received a letter from the Bank stating that the funds that were credited to my account would be reversed because the Merchant sent documentation stating that the transaction was Authorized. I then called the telephone number and used the email address that was provided to me in the letter from the Bank for me to contact the Merchant. However there was no answer on the telephone number and the email gave no response. Therefore I called the Bank and spoke to a supervisor in the Loss Prevention Department. And she was EXTREMELY Rude and condescending at the beginning of the call. She said that the Bank will not help me with this matter because it was a XXXX XXXX situation. She made no attempt to explain further as to why this bank has this policy. She then began speaking very harshly and degraded me several times as I was requesting her help for more understanding. She never considered my history as a customer. She just continued to interrupt me as I tried to explain my concerns, this person made it very very clear that she had no intention of helping with this concern at all. Therefore, because of her behavior and not being able to calm her down I kindly ask for her employee ID in which she refused. I then ask to speak to her supervisor in which she refused this also. I then asked for her supervisor 's name and she staunchly refused this too. I then asked for a different supervisor and she said that I can not speak to any other supervisors because they are going to state the same thing as she did. I have never ever been treated so unfairly by this Institution. Which is why I remained with them for so many years. My complaint is about the treatment that I received from their employee and for the dispute that I needed further investigated but, never got resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the credit reports XXXX is a collection acct that is showing open when I never set up a payment plan nor made a payment to them ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I contacted FTC  and my local police. XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.
Product: Credit card or prepaid card

My card was charged XXXX dollars to XXXX!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX has violated my rights. 

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

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 years. 

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.