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

While reviewing my AMEX SERVE account, I noticed some charges that I did not make. I called customer service who put me in touch with their fraud protection division. I asked for a review of the {$160.00} charge to XXXX, a company Inever heard of, and they suggested I close the account and get a new card. The next day XX/XX/XXXX, I received an e-mail saying my dispute was declined. 1 minute later I received another e-mail saying my account had been locked and suspended for violation of the card agreement. I sent a letter asking for proof of the charge but have not yet heard back. OnXX/XX/XXXXI called to find out the status of my new card but was told only that my account was suspended for improper use. AMEX suspended my account at their suggestion since we thought the account was compromised. Yes the card was used in violation but NOT BY ME. AMEX has not provided documentation of the charge in question and decided to not send me a new card without informing me.
Product: Credit reporting or other personal consumer reports

CFPB : PLEASE SEND THIS COMPLAINT TO THE US DEPARTMENT OF EDUCATION. THE COMPANY INVOLVED, XXXX, A LOAN SERVICER FOR THE DEPARTMENT, IS THE PROBLEM. THEY HAVE THUS FAR REFUSED TO RECOGNIZE THEIR ERRORS AND I SEE NO HOPE IN CORRECTION. I WOULD LIKE THE DEPT OF EDUCATION ITSELF AND ITS LOAN REVIEWERS TO MAKE A DECISION ON RESOLUTION. 

Problem : XXXX is reporting my account as 90-120 days delinquent to the credit bureaus even as I pay as required under the terms of a recent loan recasting that it had itself calculated. 

XX/XX/XXXX XXXX recasts my loan, including outstanding principal of XXXX, interest due of {$690.00}, fees due of {$47.00} at an interest rate of 4.25 % over a term of 228 months with a graduated payment schedule. The new payment, effective XX/XX/XXXX, is {$290.00}. See Attachment 1 for Loan Recasting terms and calculations. 

XX/XX/XXXX Payment made {$400.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Auto debit fails/payment is not made XX/XX/XXXX Loan is 24 days delinquent XX/XX/XXXX XXXX reports loan as 90 days delinquent with delinquent interest to Equifax, XXXX, and XXXX XX/XX/XXXX Payment made {$290.00} - this is the XX/XX/XXXX payment XX/XX/XXXX Payment made {$1100.00} - this is the XX/XX/XXXX payment with extra for principal reduction XX/XX/XXXX XXXX continues to report loan as 90-120 days delinquent with delinquent interest to Equifax, XXXX, and XXXX XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX XXXX continues to report loan as 90-120 days delinquent with delinquent interest to Equifax, XXXX, and XXXX See Attachment 2 for payment history . 

Throughout XXXX - XX/XX/XXXX, I have emailed, called, contacted XXXX repeatedly. They have repeatedly refused to review and correct their erroneous and destructive credit reporting. My credit score has gone down by XXXX points because of all this, existing credit lines have been restricted if not closed altogether, and higher interest rates applied to existing credit card accounts.
Product: Debt collection

I am writing to dispute the following information that your company provided. I have circled the items I dispute on the attached copy of my credit reports Enclosed is a copy of supporting document. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete for correct the disputed items as soon as possible. 

Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did a investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681e ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I found a seller named XXXX on Offer Up, I purchased an dining table at {$170.00} from her that she claimed it is BRAND NEW. I specifically asked if its new before I purchase. Table is wrapped in an taped open boxed and unassembled. When I got home from picking up the table, I noticed the corner of the table are worn and one of the legs are falling apart that makes the entire table unsteady, the table will fall apart anytime. I then texted the seller was trying to see if I can return and get my money back and she insist that the table is new. I then told her from the open box & partial wear and tear this is definitely a return product from the store. She has text back since and I believe I was blocked by her. I called my bank, XXXX    XXXX XXXX, to frozen or dispute the XXXX transaction at ( XXXX transfer is how I paid her ) but they told me there is nothing they can do if its a XXXX transaction since I initiated the payment. I know {$170.00} isn't a huge amount but I am unemployed from the pandemic and I needed that money for a dining table that actually works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian after seeing that a collection was placed back on my credit file after it was removed due to it being inaccurate. They informed me that sometimes their website removes accounts then place them back when updating. i told the rep not after 60 days there is no way you delete an account and place it back, then he agreed with me. He then said he couldn't think of any other reason this would happen and that he did see that it was deleted but he could not give me a copy of that deletion The rep then said that I could dispute the account again if I wanted to. I then disputed the account again letting them know that they reinserted a account that was once removed due to my disputing the account as inaccurate. 

ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2019 I had an automatic payment scheduled for my mortgage for {$1400.00}. Also on the XXXX, I accidentally paid a second mortgage payment for approx {$1400.00}. I called Wells Fargo to inform them of the problem. They put in a work order to stop the second payment of {$1400.00}. Two days later I went to my bank to close the account and move to a new bank. This was completely unrelated to the mortgage issue. Before I was allowed to close my XXXX account they informed me that all Pending transactions had to post. When they looked it up I didnt have any as Wells Fargo had cleared XXXX days prior. Now Wells Fargo has reversed not only the XXXX payment but also the first XXXX as well. They told me to call XXXX and when i did XXXX informs me that the {$1400.00} cleared my account and was posted to Wells Fargo. I FINALLY got a person at Wells Fargo to admit they had the money but were attempting threXXXX times to send it back to XXXX. I told them to stop because I didnt want it sent back to XXXX but to no avail. Now Wells Fargo is holding my {$1400.00} while at the same time claiming I havent made a payment for XX/XX/2019?!?!?!? HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Product: Checking or savings account

On Sunday, XXXX XXXX I Noticed some charges on on my Debit card for XXXX XXXX in the amount of XXXX, XXXX XXXX for XXXX, & XXXX  XXXX XXXX XXXX for XXXX. I disputed this with Navy Federal Checking and they denied not telling me why and not providing me the information they used to come up with their decision. I appealed it and again they denied it is refusing to give what they used to come to up with their decision and still not giving me a reason on denial.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I noticed that Equifax is alleging that the following accounts are negative without furnishing any proof of verification of these debt or that they followed all laws and regulations to report. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark ( XXXX ). The FCRA also has recently banned medical bills on credit reports yet its are still reporting on my report. 
I have sent numerous letter to the follow debt collectors requesting proof that I am indeed the party they are asking to pay this debt, contractual obligation which is binding on me to pay these debts. I have yet to receive proof. Equifax can no longer report If they are unable to provide the full reports of how they validated, verified, and how they are in compliance then these accounts needs to be removed IMMEDIATELY via FCRA section 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 or other personal consumer reports

In XXXX I was informed that my personal files had been lost/stolen during my tax preparer relocating. I was advised to monitor my credit report going forward. I recently pulled a copy of my credit report and noticed accounts from XXXX, XXXX, and XXXX XXXX. I have no knowledge of these accounts, nor have I applied for any account with these creditors. I informed the credit bureaus of the incident in XXXX, and recently contacted each bureau in XX/XX/XXXX and XX/XX/XXXX. I requested verification of these accounts. Furnishing accounts to my profile without my knowledge or written consent is in violation of 15 USC 1681B. 

I researched each account and they have been opened due to identity theft. Furnishing these accounts to my profile further violates 15 USC 1681c-2. No accounts that I have no knowledge and are due to identity theft should be furnished to my profile. 

I also noticed inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX. I have not authorized these inquiries or given any permission for them to be furnished to my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 ( Original creditor : XXXX  ) XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX.
Product: Debt collection

I send evidence not debt being out of time for collection but keep harassment with collection procedure, I inform them that time was out for them and ask to stop with approach toward me and my family. They didn't answer. they treated very rude and respectable manner
Product: Student loan

I have been a federal employee of the Internal Revenue Service from XX/XX/XXXX to the present ( 21 years ). I signed up for the public service loan forgiveness program in XXXX, filed my employee certifications annually, made 120 payments, submitted the PSLF loan forgiveness form in XXXX, and was denied PSLF. Subsequently, the servicer incorrectly required me to consolidate my loans in XXXX and failed to inform me that all of my PSLF pre-consolidation payments would be eliminated. The 120-payment count was restarted to XXXX, requiring me to pay another 120 payments. 

I applied for the PSLF Limited Waiver ( XXXX ) in XX/XX/XXXX and was told it would take months to review my account to get the XXXX. Seven months later, Fed loan finally reviewed my account and sent me PSLF qualifying updates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without updating my pre-consolidation payments before XXXX. I submitted another PSLF form in XX/XX/XXXX requesting my account to be reviewed for the XXXX giving credit for my pre-consolidation payments, and requesting a refund. In XX/XX/XXXX, I received another PSLF qualifying update, and once again, Fedloan failed to review and credit my account back to XXXX. 

I was not given credit back to XXXX, which is what should happen under the PSLF limited waiver. My loans are consolidated as required by the XXXX. All of my employee certifications from the IRS show my hire date as XX/XX/XXXX and show that I have been a continuous federal employee. My account should be the easiest type of account to review and have the proper credit issued back to XXXX. I am filing a complaint because my PSLF count is wrong. I should be given credit back to XXXX and a refund issued for overpayments with interest. 

I have contacted Fedloan servicing and filed a complaint with the DOE ombudsman but have received no response. The White House is forgiving all of these student loans but not living up to the promise of the limited waiver for people who have been lifetime federal employees. I have had 1 public service job for 21 years. Fed loan has reviewed my account not once but several times and still has not correctly counted my payments back to XXXX and issued me a refund for the overpayment with interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that Equifax conduct an investigation and remove the charge-off from my credit report.

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Complaint Requesting Full Refund and Closure of XXXX Account Linked to XXXX I am writing to file a formal complaint regarding a transaction dispute involving purchases made through XXXX  and paid via XXXX on XX/XX/year>. This complaint pertains to a failure to receive the product as promised, the mishandling of my refund request, and the resulting ongoing charges for a product I never received. 

Details of the Transaction : On XX/XX/year>, I purchased two sets of clothes hangers ( totaling {$34.00} plus tax ) and a framed XXXX XXXX XXXX from XXXX via its mobile app. For added security, I used XXXX installment payment option. While I received the hangers, I did not receive the framed XXXXXXXX XXXX 

Following XXXX refund and dispute guidelines, I first attempted to resolve the matter directly with XXXX but was unsuccessful. Subsequently, I raised the dispute with XXXX, providing extensive supporting documentation, including over XXXX pieces of evidence, photos of the package showing only the hangers, and proof of XXXX acknowledgment of the issue. Despite this, XXXX denied my refund request through what appears to be an automated system rather than a thorough review by a human representative. 

Policy Violations and Request for Resolution : XXXX policy indicates that disputes for non-delivery should be raised with the merchant first, followed by XXXX if the issue remains XXXX. Additionally, XXXX consumer protection policies obligate them to review disputes fairly and provide refunds for undelivered items in accordance with their guidelines89. 

In this case : XXXX. I have demonstrated compliance with the policy by attempting resolution with XXXX before escalating to XXXX. 
XXXX. I have provided comprehensive evidence supporting my claim. 
XXXX. XXXX failed to adhere to its policy of investigating disputes adequately and ensuring consumer protection. 

I am now being unfairly charged for a product I never received. This situation constitutes a breach of XXXX commitment to uphold consumer protection and a violation of basic principles of fairness. 

Resolution Sought : 1. A full refund for the undelivered XXXX painting as per XXXX XXXXefund policy for non-delivered goods. 
2. ClosurXXXX of my XXXX account linked to XXXX to prevent future transactions with this merchant. 

Next Steps : If this matter is not resolved promptly, I will escalate it further, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, as well as pursuing legal action if necessary. 

I urge you to act swiftly to rectify this matter. Please confirm receipt of this complaint and provide a timeline for resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Therefore I would like my privacy to be respected. ) 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. ( At no time at all did I give ANY type of instructions, written or verbal.

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 ) states 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. I went ahead and highlighted the inaccuracies in the attached documents from the three consumer reporting agencies.

Examples of these inaccuracies are, ( 1 ) In Trans Union credit history XXXX XXXX payment history is showing as Unknown, and in XXXX the payment history is showing as 44 potentially negative months. ( XXXX ) XXXX is showing XXXX and XX/XX/2023 payments for XXXX XXXX as being on time even though it should have been documented as CO for that period. These are just some inconsistencies, please see the attached documents for a full comparison. 

These inaccuracies are impacting my ability to purchase a house for my family. It's also preventing me from being able to apply for and attain employment in various fields.
Product: Credit card or prepaid card

I disputed a transaction with Capital One. I requested the accommodation under the ADA Title III that Capital One provide me with assistance, allow me additional time to respond if needed, and respond affirmatively to my accommodation request. Capital one did not respond, and unfairly denied me my rights under the Fair Credit Billing Act regarding my dispute. Capital One has NEVER responded to any of my accommodation requests under the ADA Title III, has repeatedly denied me my rights under the Fair Credit Billing Act due to their blatant refusal to respond to accommodation requests under the ADA Title III. In addition, I have had capital one customer service representatives hang up on me with I request an accommodation, or mention the ADA Title III. Capital One has denied me my rights under the Fair Credit Billing Act regarding my dispute with Case Number : XXXX XXXX  billed on XX/XX/2021 for {$790.00}. The did not give me enough time to respond ; they did not explain what they needed, and why they need it ; and they refused to respond my accommodation requests.