23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I placed an online order, the funds were debited from my account to the vendor, and now the vendor has my funds and has canceled the order on their end, and now my bank is saying there is nothing they can do. I've called my bank, I've called the vendor, both are saying sorry but there's nothing they can do. 

Vendor has my funds and will not release them. Wells Fargo has refused to assist, I even got a certified letter to that end. 

XXXX order # XXXX : XXXX XXXX Wells Fargo claim # : XXXX You can't just take money from someone and not render services. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report and express my concern that my disputes are not being properly reviewed or reinvestigated, as required under the Fair Credit Reporting Act ( FCRA ). My personal information is as follows Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have submitted disputes regarding incorrect information showing up on my credit report .However, my investigations have shown that Experian is not adequately addressing these issues by failing to : 1. Conduct a reasonable reinvestigation.

2. Forward all relevant information to furnishers.

3. Clearly communicate the outcome of the dispute resolution.

This neglect to comply with the provisions of the FCRA directly impacts my ability to secure fair financial opportunities. I request that Experian thoroughly review my disputes and provide : Confirmation of a comprehensive reinvestigation.

A clear and detailed written response outlining the results of the reinvestigation. 
Assurance that inaccurate or unverifiable information will be removed promptly.

I expect a response within the 30-day timeframe required by law and a resolution that ensures the accuracy of my consumer report. If Experian continues to disregard these obligations, I will explore further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Ok also having Issues with Inconsistent Reporting : I have noticed discrepancies between the information reported by Experian, XXXX, and XXXX on my credit report. These differences have raised significant concerns about the accuracy of the information reported. I am formally requesting that any inaccurate, unverifiable, or outdated information be removed or corrected across all three credit reporting agencies to ensure consistency and accuracy.

Failure to Conduct Proper Investigations : Additionally, I am concerned that previous disputes submitted to your agency have not been properly reviewed. It appears that : 1. Reasonable reinvestigations were not conducted.

2. Relevant information was not forwarded to furnishers for further verification.

3. Inconsistent data remains unaddressed across all agencies.

These issues significantly affect my financial opportunities and violate the rights afforded to me under the FCRA. 

Requested Actions : 1. Conduct a thorough and reasonable reinvestigation of the disputed information.

2. Communicate with the furnishers of the disputed items to verify their accuracy.

3. Remove or correct any inaccurate, unverifiable, or outdated information.

4. Ensure that consistent and accurate information is reflected across all three credit reporting agencies.

5. Provide a detailed written response outlining the results of the investigation.

I expect a response within the legally required 30-day timeframe. If these issues remain unresolved, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or consider further legal action. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, I XXXX, I entered Vectra Bank at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX with a check drawn on the Vectra Account Holder - XXXX XXXX for {$4100.00} in hopes of cashing the check for cash. I was denied the service. 

The teller, followed by the manager, XXXX, attempted to tell me they didn't have to give me cash for their check. I believe this is incorrect. After several exchanges, they backed away from their hard " no '' to a maybe but only if their account holder could be reached and verified the check. After several more attempts to deny me the right cash a check drawn on a Vectra account, they reached the Account Holder who verified the check was legitimate and that he had written it to me and my company. 

The manager, XXXX, then proceeded to once again deny me " cash '' because the check was written to my company, despite the fact that XXXX  had just verified the legitimacy of the check. She then offered a cashier 's check in lieu of cash and forced me to pay an {$8.00} fee for th

at service. 2 Concerns : 1. 20 Year Teller was adamant they didn't have to cash their own check. When I showed her
the language from the CFPB website, she didn't appear to know what the CFPB was. 2. Manager refusing to issue cash on a check drawn/verified by her phone call as legitimate.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX texas. XX/XX/2016 I went there and got treated, XXXX paid there part, I just received a letter stating I owe {$6200.00} for the visit, I NEVER received any thing up until now. It went to collections and now its on my credit report, what can be done about this rip off.
Product: Credit reporting or other personal consumer reports

Penfed # XXXX Credit Card XX/XX/year> I never authorize this credit card to be closed at all. I called several times to unlock the card for an authorized charge, and no one could assist with my request.
Product: Credit reporting or other personal consumer reports

I discovered an incorrect address, on my credit report that does not belong to me. Despite my continuous efforts, including multiple phone calls over a period of 3-4 months, and speaking with different agents, the company informed me that they couldn't remove the address because it's linked to an account. I want to emphasize that I have never lived at that address, and the account associated with it is not mine. To address this issue, I began sending dispute letters for the accounts that do not belong to me. In my attempts to resolve this matter, I have also attached my identification documents, clearly indicating my correct address, in an effort to provide the necessary information for verification purposes. Despite these efforts, the incorrect address continues to be associated with my credit report, causing ongoing issues. I have taken these actions to rectify the situation, but unfortunately, the problem persists, and I have not received any resolution from the company.
Product: Mortgage

We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. The last notice we received was XXXX 2015 with an Amended Complaint For Deed of Trust Foreclosure. We have not received {$3500.00} in dues and fines to date. This home is also becoming an eyesore in the community with landscaping issues, break ins to the home and fencing falling down.
Product: Credit card

Capital One has once again charged me even more of a fine. I can not pay these fines they have now charged me XXXX dollars in fines and its a slap in the face to credit consumer protection and me. Last time was XXXX now its XXXX. The exact dates : XX/XX/XXXX past due fee of {$40.00} XX/XX/XXXX past due fee of {$30.00} Capital One is an awful company How am I supposed to afford these because I had an overwhelming bill now I cant afford rent. How come your not doing anything about this! While I was waiting on you to talk to credit one they got me again WHERE ARE YOU CONSUMER CREDIT BUREAUS They had the chance to correct both of these and they are delaying on purpose with you. When I called them they wouldnt even let me have XXXX correction this company is disgusting and this should be illegal. The government is supposed to protect me and doesnt really care. How much is the government making off these fees I wonder? This is so bad
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account number : XXXX Account Name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This is a complaint against all 3 credit bureaus. For the month of XXXX, I received Fico 8 scores XXXX, XXXX, XXXX. For XXXX, these scores have dropped to XXXX, XXXX and XXXX. My mortgage scores went from XXXX XXXX, XXXX- XXXX and Experian- XXXX. With my mortgage scores alone, you can see that at least 2 dropped by 72 points and the other near a XXXX points. I checked to see the reason behind this and 1 payment was reported 30 days past due for 1 account which Im in the process of disputing as inaccurate. There are balance increases on some accounts but nothing that shouldve dropped my score this far below average in the manner that it was dropped. I have reached out to the credit bureaus complaining about the conflicting data that makes no sense to consumers. Myfico will specifically report whats helping my score as excellent payment history and right underneath will put the exact same thing as whats hurting my score. I worked very hard to get my scores up to nearly a XXXX only to watch them drop in a 30 days time so drastically and while I understand it can drop heavily for a late payment, once that remark is removed and it will be as its incorrect, am I going to gain back to points I lost and most likely not. Payment history accounts for 35 % of your score and it seems the bureaus are more focused and still heavily penalize for details on the report that are well over 5 years old but are telling consumers they dont do this. They are specifically stating that you are not impacted as much for accounts that old. The credit bureaus need to be heavily looked into and evaluated on scoring habits and the reasons they use for why they score they way they do as it is seriously starting to look like a system that is meaning to purposely keep a certain class of people from obtaining mortgages etc. And I say this because I was paying to receive my mortgage scores every 3 months and just last month I paid more to receive them once a month instead as Im prepping for buying a house and oddly my scores dropped so heavily, you would think I filed a bankruptcy. Something is definitely not right and its not adding up. I would greatly appreciate someone investigating all 3 major credit bureaus and their habits. I have copies of my constant fluctuating scores. Even when Im hardly using my credit cards, Im dinged. I have even been dinged for paying balances down which I will never understand that one and when I spoke to the bureaus about it, their response was it will go down first and then come back up. So we as consumers lose points that we wouldve otherwise had because the score is not raised by as many points as they take away obviously. The credit bureaus need to be heavily looked into and evaluated and I hope this can happen. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN PUT BACK A STUDENT LOAN UNDER ANOTHER NAME FTC REPORTED 1 YEAR AGO ALL FTC VIOLATIONS FTC DEEMED TO BE IN VIOLATIONS AS LISTED : XXXX XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute
Product: Credit card or prepaid card

My credit card account was originally with XXXX ( XXXX XXXX ) XXXX XXXX. Then Goldman Sachs took them over. 
I had a {$14.00} balance on the account. On XX/XX/2022, I attempted to pay off the balance. I made a phone payment and the agent said that they payment had been received. On XX/XX/XXXX, I got an email saying the the payment had NOT been received. 
On XX/XX/XXXX, I attempted again to make the payment, with the same result : The agent told me that the payment had bee received but a few days later, on XX/XX/XXXX, I got an email saying the payment had NOT gone through. 
Now I am being charged overdue fines because in Goldman 's eyes, I did not make the payment. I have spoken with their customer service department a couple of times and during one of theses conversations, the agent told me that they could not waive the late fees, and that somebody would call me about it. However, I live overseas, so getting through to me can be a bit of a challenge, so perhaps they DID try to reach me and couldn't get through ; I acknowledge that that is a possibility. 
In my last conversation with an agent ( Wednesday, XX/XX/XXXX ), they told me that they would try to dispute the late fees ( which is kind of odd, since this is an intra-agency dispute ) and that it would take time, so much time that ANOTHER late payment fee would probably be added in the meantime. I asked how much of a payment I would need to make to avoid this and was given a figure of at least {$80.00} ( I don't remember the precise number ). I told the agent that I didn't think this was fair at all, and that I thought Goldman was engaging in predatory practices, and that I would NOT pay.
Product: Debt collection

My mother had a credit card with Bank of America and it was with my checking account with Bank of America. Two years ago, when my mother became ill, they charged off her card and took {$3500.00} from my checking account, affecting adversely my business operations. I agreed to pay them {$100.00} per month to pay for this. The monthly {$100.00} installments then stopped in late XX/XX/XXXX, so I assumed it was all paid off. Then on Friday, XX/XX/XXXX, Bank of America took {$5100.00} from my account, claiming it was for my mother 's card. This money was about to be wired to my business partner and I had already made the transfer request and without any notice, Bank of America took the money and the transfer did not go through. I just finished fixing the damage from the last time Bank of America did this and now they set me back again. I feel some action needs to be taken against Bank of America. They are way out of line and I want my money back! This is affecting a good partnership I've had for many years. I also plan to report them to the Board of Governors of  the Federal Reserve, and I would like to get the news media involved if possible.
Product: Debt collection

I feel scammed by Student Debt Service. XXXX. The woman asked me several questions regarding my student loan. I realized later she was asking these questions to access my Federal Student loan account.. In accessing my account, she changed my password. She also asked ( and I gave her ) my social security number. I have googled the site, Student Debt Center and the number is XXXX. She was going to charge me {$600.00} for her services.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress 11 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

I was given XXXX ( XXXX ) XXXX gift cards ( {$50.00} each ). The front of the packaging indicates that the cards were valid through XX/XX/2020. On the back of the card there is verbiage that " U.S. Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 consecutive months of inactivity ... '' What I did not realize and which I believe is intentionally unclear is that the cards were " ticking '' from the time the person who gifted me bought them. I do not know how long my donor had them ; I tucked them away to use for some future special purchase, confident in the 2020 expiration date. Recently I was ready to make that " special purchase '' and was surprised to find that the cards could not be used because their value had been whittled away to {$8.00} each because of inactivity fees! I was able to get only {$24.00} restored to each card by working with U.S. Bank ( their records supposedly only go back one year ( XXXX x {$2.00} = {$24.00} ). I truly believe that the packaging of these particular gift cards is intended to be vague so that neither the donor or the recipient is aware that " time is of the essence ''. I truly thought that the $ XXXX monthly deduction would begin after the first time I used the card at a retail register. I have other gift cards that I have received, and none of them have these harsh conditions ( you can be sure I looked closely at that after this event ). It is fine with me if MC and U.S. Bank want to run their business by eroding the value of a gift card ( for which they have received their money ), but I do think that they should have to make it clear ( and abundantly so ) that their gift cards are diminishing in value second by second, minute by minute. " Use your card NOW or it could be worth very little or nothing in the near future '' should be emblazoned on the packaging.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

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

I have been trying to dispute this matter since XX/XX/XXXX, and restarted another dispute with all parties again back in XX/XX/XXXX, and every month after. And we have not been able to reach out to any kind of solutions.
Product: Credit card or prepaid card

wells fargo bank offered a rewards credit card but they will not let you redeem your earned rewards unless they are in {$25.00} increments. There is no way a customer can figure out how to earn exactly {$25.00} in order to redeem everything they earned. I asked wells fargo to redeem my {$7.00} but they refused. I ask them if I close my card would they send me my {$7.00} and they told me if I close the card I forfeit my earned rewards. So wells fargo is actually stealing the money a customer earns because it is not in their required {$25.00} increment. XXXX XXXX XXXX, XXXX, XXXX do not do that ... no matter what you earn you can redeem it. This is just another example of wells fargo cheating their customers by keeping their earned nickels and dimes.
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my XXXX consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to XXXX or XXXX the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Checking or savings account

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-wells-fargo-to-pay-37-billion-for-widespread-mismanagement-of-auto-loans-mortgages-and-deposit-accounts/ Referencing this article, Wells Fargo incorrectly managed Deposit accounts ( e.g. Checking and Savings ) and is due to pay back money but I have not been contacted regarding a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent 3 letters to all 3 credit bureaus ( XXXX, XXXX and TransUnion ) by certified mail, to remove the account that was reporting inaccuratly three different amounts and three different dates amongst all 3 and should be remove from my credit report due to USC 15 sec 1681 i ( 5 ) and those actions have not been done.
Product: Debt collection

My work was contacted by a XXXX XXXX from XXXX. My-co-worker answered the call and was told by this person that they were filing a civil suit against me for a debt. She gave my co-worker, XXXX XXXX, the case # XXXX. None of this information should have been shared and I suspect that this is even not a legitimate debt. After I called them back, I spoke to a man that claimed they were calling to tell me they are filing a civil suit for XXXX credit card which I have n't used in close to ten years. I advised this man of this, and he claimed he had 7 years to collect. I again re-iterated that I had not used this card in almost 10 years and began to tell him that I also took out a consumer loan to pay off the balance and other credit cards ... he interrupted me and yelled " If you shut your mouth ... XXXX '' I then stopped him right there and quit talking and hung up ''. I do believe this is also the same company that has called me before at work and would not even tell me who they were collecting a debt for. I also advised this place to not contact me at work since I work XXXX. ... and they are holding up the line. These people do everything against the law and need to be stopped!