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

Wayfair Credit through Commenity Bank conducted deceitful services by applying for my monthly payments incrementally to both balances instead of the balance that would end proportionally first. The website does not outwardly state the breakdowns of the payments. I have paid off my card in full but due to the deceitful breakdowns, I was unlawfully charged all interest fees. Attempted to resolve this with 3 representatives and was escalated to the highest level ( XXXX ) ID number XXXX ) who refused to work with me on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.
Product: Credit card or prepaid card

Hi I applied for a Arvest gold credit card and I was approved on the XX/XX/XXXX and the card was sent out on the XX/XX/XXXX and I never received my credit card and I waited and waited and I have a business to run and I dont Have time to be on the phone and talking to customer service agent and I try to see if they can XXXX it to my address it been over 10 business days but the lady told me there system is broken and she has to mail it regular mail ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm not sure what 's going on. I 've been submitting disputes to the credit bureaus for the past eight months. They do not respond to me and are obviously not initiating my disputes. I 'm not sure what 's going on. I KNOW these accounts that are reporting are inaccurate. I 'm just trying to express my rights as a protected consumer and ask the credit bureaus to investigate. Why are you not investigating my disputes? Can you legally just ignore my request like that? I 've also tried disputing with the collection agencies asking them to send me a medical release form because i 'm more than 100 % sure i 've never given them permission or access to my personal medical information. I 've spoken to a consumer right 's attorney and he 's telling me that i have a case, do i? I 'm asking the credit bureaus to please investigate these inaccuracies. This is causing me major stress. These collection agencies do not have my permission to have my medical information, PLEASE remove!!! 



XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$850.00} Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Rec Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Rec Opened XXXX XXXX, XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Rec Opened XX/XX/XXXX + {$310.00} Original creditor : XXXX XXXX XXXX XXXX Tele Rec Opened XX/XX/XXXX + {$290.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the millions of people whose information was leaked by Equifax due to a failure to use a software patch. 

Despite contacting them many, many times, I have been unable to get my credit frozen. 

Today, as per their instructions in response to my complaint XXXX, I called the automated system. AFTER I gave them my social security number, the automated system told me they could n't process my information. 

Why did they wait until I gave them my social security number? Are they stealing more information from me? Have they been hacked again? How am I supposed to get my credit frozen? 

I have tried and tried to contact Equifax, but the only numbers they provide are for robot-like representatives who just tell you how to freeze your credit, which does n't seem to work.
Product: Credit card or prepaid card

I had two blue cards in my wallet. Used wrong card today thinking it was a debit card. Instead, it was XXXX 's XXXX credit card issued by XXXX XXXX. When I placed the card in self check out at Walmart, I asked for a {$40.00} cash back, thinking it was my debit card with XXXX. Instead, it kicked out {$100.00} cash to me and paid for the small grocery item. 

When contacting XXXX XXXX today asking to reverse the pending charge on my credit card, by paying the {$100.00} back and manually replacing the mistaken withdrawn cash with an instant payback. They refused to do so and said the only way to pay any cash withdrawal was to first pay off the entire balance. Thus, this {$100.00} cash withdrawal will charge an additional 3 % interest until paid, based on their refusing to manually accept the mistaken cash back within the same hour the transaction took place. I then immediately closed my account with them. 

This isn't my first problem with them. They mistakenly opened multiple accounts and closed accounts in my name over the years, failed to report actual payoff balances after numerous complaints that wrongly showed a balance over my credit limit which has never happened in the life of my account with them. 

Their phone systems are also flawed. Both verbal and type in account information was never recognized. Their online chat also was worthless and misleading. No live person was there and she was in XXXX most likely not understanding a word if she was live. 

I have had enough. I also closed my other account with XXXX XXXX. The abuse by this company has been long and against credit card/consumer laws. A full investigation of their flawed systems should be done immediately. I have lots of debit and credit cards. None abuse me or have abused me like XXXX XXXX. Perhaps the last part of their name tells it all ... .chroney ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received notification that a dispute I sent for two accounts that were previously removed in XXXX of XXXX due to identity theft were researched and now verified stating that they now all of a sudden belong to me. I have not once received any information on how the accounts were researched and what information could possibly be used to identify a fraudulent account. How is it possible for your company to complete an investigation and determine that my claim was valid before and and now months later your stance has changed. I have provided all required documents such as a valid police report identifying the accounts as well as the account numbers and the FTC report identifying that the two acconts you have listed were a result of theft, my valid ID and SS Card.
Product: Student loan

My 1st problem is I wasn't able to attend my graduation ceremony and the school which was The XXXX XXXX XXXX XXXX. At the time and I never received my diploma or anything showing I completed my XXXX XXXX course I was told they would mail it but it never came I also was struggling with addiction so I wasn't making payments they took it from my taxes at the end of the year and it was almost paid off now I'm receiving a bill saying I still owe but I know I only had about {$300.00} left to pay off also where is the grant money that was left after paying the school tuition because there was money left over I am going to dispute this because something is not right and most importantly I NEVER EVEN RECEIVED MY DIPLOMA OR A CERTIFICATE SO I COULDN'T GET A JOB IN XXXX IF I WANTED TO
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numbers of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.
Product: Debt collection

I received a notification that my credit score has dropped 50 points from a debt collector XX/XX/XXXX. The debt is showing for XXXX XXXX, the original debt was added over 7 years ago. The debt was sold twice since then and removed twice to be added back on XX/XX/XXXX. The debt is {$520.00} added by NCA, National Credit Adjustors. I reached out in form of a letter requiring proof of debt and is still awaiting a response. This has caused inconvenience by dropping my credit in the times of a pandemic. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX and XX/XX/XXXX sent to Equifax regarding an inaccuracy in your credit reporting. I just received a letter from Equifax describing what inquiries are with no proof of my authorization of these inquiries, Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.  XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX 3. XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX 4. XXXX- XX/XX/XXXX 5.  XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX 10. XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 13. XXXX XXXX/XXXX- XX/XX/XXXX 14. XXXX XXXX/XXXX- XX/XX/XXXX 15. XXXX XXXX XXXX XXXX- XX/XX/XXXX 16. XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX- XX/XX/XXXX 18. XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX- XX/XX/XXXX 20. XXXX XXXX XXXX XXXX- XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I have a loan with XXXXXXXX XXXX XXXX XXXX and XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information and I need you to correct them as soon as possible : XXXX XXXX Opened XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$270.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$450.00}
Product: Checking or savings account

I only recently discovered that CapitalOne effectively sunset my formerly high yield savings account, and opened a different high yield savings product, and didnt automatically convert my account, or even notify me that I was no longer earning high interest so that I could switch. As described here : XXXX XXXX XXXX
Product: Debt collection

received messages from my BOSS telling me that they were contacted by XXXX of this company. and that i would get reprimanded if they continue to receive personal calls regarding me. They have contacted my supervisors telling them they are attys looking for me and that i need to call them.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Incorrect Name : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Previous Address : - XXXX XXXX  XXXX, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX Your agency is XXXX breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( XXXX ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

XXXX American Express called asking for someone that is NOT ME to collect a debt. I told them they have the wrong information and hung up. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 American Express left a voicemail requiring a call back from the same individual, whom is NOT ME. 
XX/XX/18 I called American Express using the number they called from XXXX, I informed them again that they have the wrong phone number and person listed and I have not had any contact or connection with the person they are asking about in years. They said that we would need to contact the person because they listed our phone number a year and a half ago. I told them that I have no connection to them and they need to stop harassing me for a debt that does not belong to me. I am a loyal customer of American Express myself, and I am very upset that they are continuing to harass me when I pay off my balance every month, so they need to remove my # from this other person 's account. Also told him that it is fraud and illegal for them to take down my information and place it on another person 's account in the first place! The person on the phone told me there was nothing he could do and hung up on me.
Product: Debt collection

This account has been placed on my credit report after speaking to a lawyer I found its illegal to share any and all medical information to anyone. Medical Data Systems is in violation of my rights I intend to let my lawyer handle this matter if this account is not deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ) ( XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ) There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX, XXXX XXXX, ). 


Please remove inaccurate employers as well because I'm currently not employed XXXX. XXXX XXXX  Also, I only have 1 current name which is XXXX XXXX Once you have deleted the addresses from my credit report, please send me a copy of my updated report. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I haved a mixed file on my transunion credit report  XXXX  bankruptcy
Product: Credit reporting or other personal consumer reports

I am writing to provide a formal statement regarding certain accounts listed on my credit report that I believe to be fraudulent. I wish to make it clear that I have no knowledge of, nor have I authorized, any of the accounts in question. 

The accounts in dispute are as follows : XXXX XXXX XXXX Account Number : XXXX I assert that this account was opened without my consent or knowledge. I have not received any correspondence or notifications related to this account, nor have I engaged in any transactions or agreements with the entity associated with it. 

I take my financial responsibilities very seriously and have always been diligent in managing my credit. The presence of this fraudulent account on my credit report is distressing, as it does not reflect my financial behavior or obligations. 

Responsibilities of Credit Bureaus When Identity Theft Is Reported Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have specific responsibilities when identity theft is reported : Investigate Disputes Promptly : Upon receiving a dispute regarding fraudulent accounts, the credit bureau must conduct a prompt and thorough investigation into the accuracy of the disputed information ( 15 U.S.C. 1681i ).

Block Fraudulent Information : If the dispute is substantiated, the credit bureau is required to block the fraudulent information from the credit report within 4 business days of receiving notice of the fraud ( 15 U.S.C. 1681c-2 ).

Provide Written Confirmation : The credit bureau must provide written confirmation once the fraudulent information has been removed from the credit report and inform me of the outcome of their investigation.

I have already taken steps to address this issue by disputing this account with the credit reporting agencies and providing necessary documentation to substantiate my claim of fraud. I respectfully request that this account be investigated thoroughly and removed from my credit report as per the legal obligations of the credit bureaus.
Product: Mortgage

Mr. Cooper on XXXX through their computer system is claiming we do not have homeowner insurance coverage. This is incorrect. After waiting on the phone for a long time we we dropped once the first agent transferred us to the insurance team. We do have coverage and Mr. Cooper is in possession of policy documents.
Product: Credit card or prepaid card

On XX/XX/2018 there was a fraudulent transaction on my account for the amount of {$140.00}. I filled out a fraudulent transaction form and sent to the company as per their policy. The company later responded with the following : Dear Valued Customer, The Fraud Investigation team has completed the review of your claim related to unauthorized charges for Case Number : XXXX involving card ( s ) ending in : XXXX. 

All fraud claims are reviewed in compliance with federal regulations, Cardholder Agreements, and MasterCard rules ( when applicable ).

Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim.

Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards.

While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.

For questions regarding your Cardholder Agreement, please call the Customer Service number on the back of your card.

Thank you for your patience in allowing us to complete a full investigation of your claim. We appreciate your business and look forward to serving you in the future.

Respectfully, Fraud Operations, Investigations Unit While the information in their response maybe true, it does not apply to my complaint. This was not an unauthorized use of a card. The card in question was in my possession at the time the fraudulent transaction was made and therefor meaning the card wasn't actually used at all. I would assume this was a electronic credit card fraud but either way the company is unwilling to answer me and don't seem to care.
Product: Credit reporting or other personal consumer reports

I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX ACCOUNT NUMBER XXXX AND XXXX. XXXX XXXX ACCOUNT NUMBER XXXX.