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

Long time customer of Zales, Has Zales Credit Card through Commenity bank. History of using the 0 % for 12 / 18 / 36 months. Went to make a payment and the interest was back charged in the amount of XXXX at 30 % interest. Called to ask to settle without the back interest and pay balance in full. I have spoken with their disputes department XXXX which initially relayed they could flip an 18 month no interest into 36 months, then once she saw when we purchased the item she then relayed because it was during the month of XXXX they can not file a dispute against the interest from the purchase date. Transferred to their hardship program who wants to penalize me close the account and still charge $ XXXX on what was down to {$13.00} K balance and keep a 30 % Interest rate. They will not negotiate or offer additional assistance. This is within a 30 day window of them adding the charge, we received no notice via email which statements are paperless and their website does not recgonize user ID which is a fight to even get into our account. We remained on hold over 2 hours between departments with answers of I am very sorry we can't help you. In asking to speak with higher managers who can help being we are a long time customer of the company and paid our last balance of over $ XXXX within the year of purchase we are not receiving any help.
Product: Checking or savings account

I am writing to address Wells Fargo 's denial of my claim regarding fraudulent charges totaling {$590.00} on my account. Despite providing evidence of unauthorized transactions, my claim was rejected without a satisfactory explanation. I believe this decision overlooks the clear signs of fraud, as these charges were made without my knowledge or consent. I respectfully request a review of my case and reconsideration of the evidence I submitted to ensure that my rights as a customer are upheld. 

Thank you for your attention to this matter. 


The Date of Transactions were on XX/XX/2024 Was reported by phone on XX/XX/2024 when I discovered the charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX XXXX, 2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

At PNC Bank, I XXXX a Safe Depot Box at their branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. The first attempt to pay was lost in the mail and they sent a second notice in XXXX. Because it was lost in the mail, I went to the branch on XXXX XX/XX/year> and paid in person with a check. The check was cashed and cleared my bank on XXXX XXXX. PNC Bank sent a notice on XXXX XXXX that they did not receive the money and charged a late fee.
Product: Credit card or prepaid card

I've had a Walmart account since XX/XX/XXXX prior to them selling to Capital One. I always paid them on time. I never had any issues. From one day to the next I noticed that they marked me 30 days late on my account. They changed their payment address and didn't notify me. I had no way of knowing about the change or where to send my payments. 

I called and disputed the late and they said they would look into it but nothing has been done. It doesn't seem fair to punish me as a consumer for making my payments as I always did. If they had notified me of the change I would have not had any issues making this payment. Now, because of their negligence, I have a 30 day late on my credit which dropped my fico score immensely and I may possibly lose my home if I do not get this corrected for my loan. 

Please help me get this resolved as soon as possible. 

Thank you.
Product: Debt collection

For the last several months, I have been receiving 2 calls every single day on each of my contact numbers. The callers either hang up immediately, or refuse to disclose who they are or the name of their company. Today I called back for an agent and was connected to a woman named XXXX. She refused to provide any information regarding the debt, agency, or company, and hung up on me 3 times before I immediately requested a supervisor. This debt has already been paid off, and this agency 's repetitious, harassing phone calls without actual communication is extremely frustrating. I didn't even know this number belonged to a collection agency after MONTHS of their spammy calling.
Product: Vehicle loan or lease

I cosigned for an auto loan with M & T Bank with my brother XXXX XXXX. After he got his statement in the mail, he called in to set up auto bill pay. After that, they did not send any confirmation about scheduled payments so we thought we were all set. A few weeks later, I got a call that the account was past due. My brother called in to make a payment over the phone, they told him the auto payment was having issues because of XXXX. So, my brother made a payment using Routing/Acct # over the phone. He then called XXXX and they said there were no issues on their end as far as auto bill pay goes. Then, weeks later, I got a notice from XXXX XXXX that my score went down due to a late payment on the account. At this point, no payment had posted. The customer service told us the autopay had failed and the phone payment failed and told us to contact XXXX again. They claimed the issue was not on their end. At this point, both myself and my brother had our credit scores drop substantially. That Monday, my brother made a cash payment of {$1000.00} at the branch. A month later, for the next payment, he called in and tried making a phone payment with Account and Routing # 's and once again it did not post. According to the statement from M & T mailed to us, the payments posted but then there was something called a " Payment Reversal. '' I went online to try to pay the bill that way. I created an online portal for M & T and then when I tried to pay the bill, it told me I needed a M & T Bank checking account in order to do online bill pay. I went ahead and created one, but then my only option for transferring funds to it was to make a deposit at a branch or do a debit card deposit which had a limit of {$250.00}. There was no way to transfer funds from one account to the other. This means, my only option would be to deposit a check or cash in person at the branch. In essence, M & T Bank forces you to open a whole new checking account with them to make payments. I looked online and on Consumer Affairs there are many people with the same story as me. M & T Bank purposefully makes it nearly impossible to make payments unless you have a Checking account with them. Even if you do have one, you can only add funds through a branch deposit or debit card with a {$250.00} limit. I strongly believe M & T Bank lied to us about the payments not going through and it was done on purpose to force us into opening another account with them. This led us to ultimately refinancing, however my credit score is now in the low 600 's so I had to have someone else cosign for my brother. M & T Bank did not process our payments correctly numerous times, and now my brother and I have bad credit.
Product: Debt collection

XXXX sent me to collections after I canceled with them and they still went and charged me for the following month. I do not owe them money and I have explained this to the company so many times and now it's on my credit report as a collection account through IC System. I've disputed it on there as well, and I got nowhere. I don't owe this bill. The amount is {$170.00}, I don't have an account number or anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Debt Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX on, XXXX, almost XXXX  and attempted XXXX multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. 

I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.
Product: Consumer Loan

I purchased a car from XXXX in XXXX 2015. Upon purchasing the car, it was unknown to me that the company was not in business in the state of Florida. In XXXX upon trying to renew the decal for the car, I was told the car had no owner. I reached out to XXXX XXXX who was the person I was interacting with upon the purchase. He gave me a number to a XXXX XXXX. Upon speaking to this individual I was advised he did not have any paper work in the car. After not being able to contact XXXX XXXX for some time, I reached out to the finance company which at the time was Western Funding. After speaking with their titles department, I was advised by XXXX XXXX, they have been investigating this company which was also known as XXXX XXXX XXXX for fraud. They had XXXX cars with no titles to them from this company. Their legal department was looking into this, but in the mean time, I still could not renew the decal for the car. After filing a report with the Florida State XXXX, I was able to renew the decal and I was also given the title to the car. The finance company wanted the title to the car, even after all the fraud that was going on with the car dealerships. They repossess the car. I still have the title due to it having no lender on the original title.
Product: Credit reporting or other personal consumer reports

Experian is reporting a fraud address and account the address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, AND ACCOUNT THAT I NEVER HAD WHICH WAS OPEN UP BY FRAUD I FILED AND FTC REPORT XXXX XXXX THE ACCOUNT IS XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

The credit card company sold it off to another lender which is them. I paid the debt in full and have the confirmation. This needs to be removed
Product: Debt collection

This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.
Product: Credit reporting or other personal consumer reports

I asked the all late payments be removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC reports with inquiries I did not authorize and would like to have them deleted as they are affecting my life.
Product: Student loan

I have requested the emergency loan forbearance through FedLoan Serving 's website due to COVID 19. I am unable to make my XXXX payment due to tight financial circumstances and requested the full emergency forbearance. Despite submitting my request and following up on my request, I received two different emails with conflicting information. I indicated I was impacted on XX/XX/20, yet the President 's order indicates that it is effective XX/XX/20. I had a payment due on XX/XX/20 and in both emails they threaten to report me as late to the credit bureaus.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX XX/XX/XXXX # XXXX These accounts have violated my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the proper documentation was submitted on XX/XX/2020 and the bureaus didn't respond within the 30 days allowed by law and therefore every fraudulent account should be removed immediately! I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Product: Credit reporting or other personal consumer reports

Equifax/XX/XX/XXXXXXXX XXXX is using my information unlawfully. I feel that my rights have been violated Under 15 USC 1681i ( a ) ( 5 ) B ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I feel that my rights have been violated, and I demand that this information be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint with both EQUIFAX and XXXX stating that my XXXX XXXX XXXX XXXX Account # XXXX which was an Auto Loan that I had paid off in full and closed was reporting incorrectly. XXXX states that I was 30 days late on XXXX or XX/XX/2019 and EQUIFAX shows I was 30 days late on XXXX or XX/XX/2019 and XXXX is reporting CORRECTLY & shows NO late payments. So both XXXX & XXXX are stating false information twice, one that it was 30 days late, and two they are both showing a different month or time in which they are reporting it being late. They have also now violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors by not doing a fair and accurate investigation to show accurate reporting and have this false information removed.
Product: Student loan

My student loan account was placed into a forebearance I did not request ; I made payments during that time. I was advised by the representative that the forebearance would not negatively impact my PSLF payments. When I applied for my PSLF I see the payments made during the forebearance were not counted resulting in an overpayment of my loans and delaying my PSLF effective date. I have contacted mohela since those finding and have been told they cant retroactively remove a forebearance once PSLF has been processed. I would like my overpayments to be refunded. It is gross negligence that representatives provide false information regarding loan status and eligibility and has significant financial consequences for borrowers.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX 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. 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.
Product: Credit card or prepaid card

A purchase was made with our Discover card for a kit which was advertised by the merchant, XXXX XXXX XXXX, as fitting our XXXX XXXX XXXX XXXX. The kit was delivered by the merchant approximately six months after the purchase was made. We then went to our body shop for the installation of the body kit and other repairs, we were advised that this kit did not fit our vehicle. This was not the first time our shop had attempted to fit kits sold by this merchant, which did not fit. We took our brand new, unused and unusable kit to the merchant to return the defective item and requested a refund on Discover Card. The merchant flatly refused to take the item back ( mind you, the item is still brand new because it could not be used because it did not fit ) ; the item is defective and still new. 

We wrote to Discover on XX/XX/XXXX to dispute this item, we provided them with a narrative of what occurred and provided a copy of the estimate from our body shop wherein they had clearly stated that the kit did not fit. 

Discover states they completed their " investigation '' and are not resolving my dispute with this merchant. They stated that If I " find new information that I have not shared ( proof the Merchant is willing to issue a partial or full credit ) regarding this transaction, '' they will work with me. 

My Dearest CFPB, if I was being offered a partial or full credit, why would I be seeking Discover 's help in this? Does Discover 's request not appear irrational and non-sensical? I reached out to Discover for their help in crediting my purchase as this item is defective, sold not as advertised, which is that it fits the body of our XXXX XXXX XXXX XXXX. It does not. 

The merchant does not want to work with us to credit our card in exchange for the return of the item, which is unused due to it being unusable. Discover is not assisting us with this issue. 

Please help. We want this item credited as it is an defective item which cost {$2200.00} which is a substantial amount. 

Thank you.
Product: Checking or savings account

A company called XXXX XXXX has withdrawn over XXXX from my bank account with out my authorization. Capital one said they investigated it and is denying my claim. I would have never authorized XXXX to come out of my bank account if there was not that much money in there. I had that bank account for almost 30 years and we can pull records and show this has never happened. This company in question has lots of fraud cases against them on the internet and they are easy to find. Capital one say the are going to apply that money back to my account and the money is not there i don't that much money so it will go into collections and against my credit score. I already had to file bankruptcy and the business is closed. Capital one knows this is fraud and refuses to handle this situation after being a loyal customer for so many years .Thank you