23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, while on vacation in XXXX XXXX, I purchased a vacation club membership from XXXX XXXX XXXX XXXX. For the purchase I used four different credit cards and the rest was put on a new credit account ( {$4000.00} ) through Barclays Bank in XXXX DE. 
After doing some research on the vacation club I decided that this was not a good purchase for me and under XXXX consumer protection act I had five business days to return the club membership. 
I returned to the office XXXX XX/XX/XXXX and had everything credited back to my accounts. However at the time Barclays Bank had not processed the account yet. 
XXXX XXXX XXXX XXXX XXXX up a letter stating that I had terminated the purchase agreement and returned all of my charges. 
After returning back home I called all of my credit lenders stating that I had terminated the agreement and that they should be removed. After the investigation all charges were removed except for Barclays Bank. 
After receiving my account information I called them ( Fraud dept. ) immediately to let them know that this account should not have been created. At the time I did not realize it was going to be an issue so I did not write down the actual date. I called again about three weeks later and they said it was still under investigation. I waited another three weeks and made another call and the representative suggested I speak to the charge dispute dept. 
Upon speaking with them they requested any information that supported my claim. I faxed them the letter stating that I had terminated the agreement that was written by XXXX XXXX. 
About 2 months later I received a letter stating that my claim was declined because it was past their 90 day policy. They suggested I reopen the claim and fax any relevant information to support my claim. I did as requested and received the same letter about a month later. 
I called them back again and they refused to help me any further because the company policy states they can not support a claim past 90 days. I informed them that I did call before that 90 day window, I was just put in the wrong dept. For claims processing. The representative said they can see that I filed a fraud claim on my account but was not able to help me any further and suggested I take them to court despite sending them receipts and a letter from the actual company making the initial charge.
Product: Mortgage

After I was divorced, my ex Wife XXXX XXXX XXXX, applied for a Government back refinance of our old home, Bank Of America approved her application. At the time Bank of America sent me via XXXX documents to sign, which I DID NOT SIGN OR RETURN TO THEM. I still have the documents. 
They still approved her loan and she has been paying it on time and in full for XXXX years now. 
My complaint is that Bank of America lists loan number XXXX on my Credit Report, and despite multiple letters, refuses to remove this mortgage from my credit report. Making it look as if I already have a mortgage. And preventing me from buying my own VA financed home. Again today I was almost pre-approved for a home loan, but that house pops up. Paid on time and in full every month. But I DID NOT sign the loan app and it is not mine. And does not belong on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my bank account was compromised which included multiple account modifications like adding mobile banking, wire transfers, and attempted use at XXXX XXXX, and adding the Zelle service. Because the {$1500.00} Zelle transaction was last, I received a fraud call in regards to a plane tick

et/travel notice I had not made. Everything was resolved swiftly on my bank but I was not aware what Zelle was til this occurred. After probing it was added to my account and in use within a few minutes of me inquiring about it. While I was contacting my bank I saw multiple attempts at transactions so I hopped to Zelle 's support to stop the transfers or find a way to report it, which their support " Please contact your
bank or credit unions support team directly for help. '' I was lucky that my fraud prevention team cause this quickly, and stop the transaction before it was processed as otherwise, it would have been a bigger headache to dispute as the charges appeared to have me " initiating it ''. I'd like the report the lack of security on their behalf because I'm not sure how to close the account I never made, and have seen other customers reporting similar behavior except they were not reimbursed or had any resolution.

-Not filing a complaint with XXXX, but only have their notification of when it initiated Zelle service . ( I have not been able to resolve or determine anything from Zelle 's support after 2 days, may take more time )
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

It would seem as though my loan was bought out by a third servicing company in just under 4 months. My payment is due today XX/XX/XXXX, but my new servicing company has yet to send me a welcome package, information on how to issue payments or any sort of communication, which alone is unbelievable and i wonder if even legal? After finding out who the new servicing company is through the old one, i have contacted them several times now to make a payment and sign up to auto-pay, but have yet to be able to. Aside from having to waste my precious time with long waits and transfers to different departments, i called just now XX/XX/XXXX to make a payment, but they said my loan has yet to be on-boarded and will have to wait leading me to believe that i am receiving interest accrual while they " onboard my loan. '' How is this not better regulated or made easier to the consumer? Why must i have to change auto-pay and jump through all these hoops every single month? How can they charge interest for their lack of timeliness or incompetence in on-boarding newly bought loans? 

New servicing company is " Specialized Loan Servicing, LLC. '' contact : XXXX
Product: Debt collection

My doctors office is charging me for a lab report that I never got the results of. I called the office and asked for official written results of lab but they sent it to me.
Product: Checking or savings account

I was not receiving regular communication about my account from my bank. I was not getting quarterly statements like I was supposed to. I also was never informed that they were starting to charge fees for their savings account. When I finally did get a statement I saw the fees and called customer service. I requested that the fees be reversed because I was never told about the fees and I requested a supervisor call me and explain why I was never told and to have the fees reversed. My final request was that the account be closed to prevent this from happening again. I was never called back, the account was never closed, and the fees were not reversed. I asked that the account be closed at least 5 times. And I made the request e to 2 diff erent reps. BofA is defrauding their customers by charging fees without informing them, not sending regular statements, and when requests are made on the accounts, those requests are not fulfilled. I want ALL of my money back, I want ALL fees reversed and I want the account closed. This " bank '' is a joke.
Product: Bank account or service

Bank of America has now stolen 2 times from my family in 2 months. We were told that the accounts that we opened would never have any fees for any reason ever, but now I am seeing XXXX withdrawals for {$12.00} each. 

Postdate : XXXX/XXXX/2016 Amount : XXXX Type : Bankcharge Description : MonthlyMaintenanceFee Merchantname : MonthlyMaintenanceFee Transaction category : Finance : ServiceCharges/Fees
Product: Student loan

I believe my consolidation loans have been manipulated to the benefit of the banks by approximately {$20000.00} over the life of the loan, contrary to what I would have agreed to. 
I consolidated my loans XX/XX/XXXX. Originally serviced by XXXX XXXX XXXX, now Great Lakes. I honestly do n't know what the exact terms of the loan were at the time, I am trying to obtain documents but keep getting denied. I 'm guessing I would have set-up a 15 maybe 20 year loan. I started paying as soon as I could, I always paid as much if not more than they asked of me, but what I did n't realize is that I was barely covering interest each month : from XX/XX/XXXX - XX/XX/XXXX an average of about {$65.00} towards principal vs {$300.00} interest. Using the interest rate and the payments I was being charged the duration of the loan would have been over 27 years. When Great Lakes bought the loan in XX/XX/XXXX they did n't change anything and in fact the first XXXX payments had a grand total of {$22.00} applied towards interest. XX/XX/XXXX I had a late payment ( my wife forgot to pay ) and at that point someone from Great Lakes contacted me and told me that my loan " would n't ever get paid off at that rate. '' I was just so shocked I said yes, change it and even made double payment the following month. At that point they structured the loan right at 20 years. This leads me to think that my original agreement would have been at 20 years. 
So, more than 5 years into the loan I 've only paid down the principal by {$4300.00} ( excluding {$800.00} in extra payments I 've made since XX/XX/XXXX ). A simple loan calculator shows that a 20 year loan with these interest rates and no extra payments should have {$9700.00} of principal paid. Seems like this situation should be illegal ... I would n't have agreed to it and Great Lakes would have continued to benefit at my expense had I not decided to double check their work.
Product: Credit reporting or other personal consumer reports

Disputed a Debt Collection, requesting a signed contract with my signature on it to dispute legality, XXXX didnt provide me this information, closed the dispute. Its illegal to buy my debt without my permission and signature and Im disputing it as I did not sign for a collection company to buy my debt, I wish for a signed contract provided to verify legality from Jefferson Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter out disputing 2 accounts that were reporting inaccurate information. One account was still reporting activity each month even though the account was closed, and the balance was wrong on the account. The other account was missing information for XXXX XXXX XXXX and reporting late payments when it was a billing error back in XXXX XXXX XXXX. I was never late pursuant to 15 USC 1666B Timing of Payments. They came back on XX/XX/XXXX, updated and verified with the problem unchanged. Nothing was updated and it still reported inaccurate information. 15 USC 1681eb speaks on Credit bureaus assuming a role and has an obligation to make sure that every piece of information on each account is Maximumly accurate. They did not do that for me.
Product: Debt collection

I disputed online with TransUnion Account XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was listed on my Transunion report this is not my account. I have had a problem with identity theft so I have alerts set up when something is added to my credit report. I want Transunion to verify this information to which they can not. I want this item deleted from my credit report immediately. I will also be mailing Transunion a dispute letter from my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of The Transunion hard inquiry scandal. All inquiries were manually removed from my account via financial consultant ( paid service ) then later added a few days later causing my credit score to drop tremendously. Even lower than previously. It was if all the inquiries were all inquired at once. I spoke to a Transunion representative to see if they could clear my inquiries but they claim that I was not effected by their scandal when it was obvious that I was. Transunion has not been any help. The following inquiries were previously removed from my account before re-added by Transunion : XXXX XXXX  Delaware. 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 XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the numerous attempts I have made to rectify fraudulent items on my credit report with 3 Credit Bureaus. Despite my continued efforts to have these fraudulent entries removed, they persist, and they are causing significant damage to my financial well-being. 

Over the past several months, I have made multiple attempts to dispute and remove these fraudulent items from my credit report. These fraudulent entries are not only inaccurate but are also severely affecting my credit score and my ability to access favorable financial opportunities. Despite providing the necessary documentation, I have received several responses from your bureau indicating that these fraudulent items have been verified as accurate. 

I want to emphasize that these fraudulent items are indeed inaccurate. I have attached the relevant documentation supporting my claim. It is crucial that these discrepancies are resolved urgently to prevent further harm to my financial reputation. 

Enclosed, please find the following documents : A copy of my credit report with the fraudulent items highlighted. 
Copies of documents proving the fraudulent nature of the entries. 
Any previous correspondence I have received from your bureau related to my disputes. 
I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent items from my credit report. Doing so will help restore my creditworthiness and prevent me from being unfairly penalized for fraudulent entries that are not my responsibility. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, confirming the removal of the fraudulent items, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to remove the following fraudulent items in mycredit file : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am requesting with this notice that the following account be DELETED from my credit report. PNC CREDIT CARD ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against XXXX if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX XXXX XXXX XXXX XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security card was stolen and i reported it and some things was placed on my credit and it was then told they can not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had 2 capital one credit cards opened in my name in a case of fraud. Capitol one removed one of the cards from my credit report and not the other one. They both were opened within months of each other using the same information. I have tried to resolve this with them multiple times with no luck. This is a serious problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN A DISPUTE LETTER ( TO LEXISNEXIS ) UNDER SECTION 609 TO REMOVE A FRAUDULENT Bankruptcy.

LEXISNEXIS FAILED TO RESPOOND TO ME DISPUTE LETTER WITHIN 45 DAYS.

Failing to respond to your written disputes within 40 days.

This is a direct federal violation of The FCRA LEGAL JURISDICTION : FCRA Section 611 Part ( A ) ( 1 )
Product: Money transfer, virtual currency, or money service

XXXX BRL were contracted to be sent. But according to the result of Western Union 's investigation ( Western Union Reference # : XXXX ), only XXXX BRL were dispersed by XXXX XXXX XXXX before taxes and fees were taken out by XXXX. ) Leaving a difference of XXXX BRL that had failed to be sent by Western Union, per the contract. 

This transaction was contracted as a direct bank deposited. The rate at the point of contract was XXXX BRL per dollar. The following day, the day of payout, the rate was XXXX BRL per dollar for direct bank deposit. There was a lower rate, below XXXX BRL per dollar, for a cash pickup, but I did not contract for cash pickup. I contracted for a direct bank deposit at the aforementioned rate of XXXX. 

Western Union made an error dispersing at the lower cash pickup rate, when what I contracted was for a direct bank deposit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying for the past two years to get Experian on top of my credit and help repair. XXXX & XXXX  are both up to date shower over 750 credit score and Experian is the only one not working with me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

On XX/XX/XXXX I entered into an agreement with University XXXX XXXX/co XXXX XXXX for debt rehabilitation. 

In the agreement they state if I make 9 consecutive on time payments of XXXX with the last payment due on XX/XX/XXXX and my credit report will be returned to current status. 
Have all the credit bureaus histories regarding the defaulted loan removed. 

By this date XXXX XXXX has not updated my credit report per their promise
Product: Credit reporting or other personal consumer reports

CAPITAL ONE XXXX is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. CAPITAL ONE XXXX does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.