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

As a XXXX year American Express customer, I was recently dismayed at an attempt by your company to charge me almost {$600.00} in interest fees on my personal American Express card. I sent full payment for my XXXX statement on XX/XX/2022, and it arrived, on time, at American Express on XX/XX/2022, which was the due date for the payment. American Express sat on my funds and didnt process the funds until the XXXX and charged me ~ {$600.00} interest. I called today and was only offered a {$100.00} credit ( after remaining on the line for almost an hour ). 
When I made the payment on the XXXX, I immediately called American Express and spoke to an Agent who told me that I would not be charged any fees and made a note on my account. 
XXXX XXXX XXXX ( the bank I used to send the payment ) certified for me that American Express had the money on the XXXX of XXXX. 
Please note that as the AMEX customer representative told me, in 25 years as a customer, I have never asked for a credit for interest on my account. This is extremely disappointing behavior on American Express part. 
I ask for a full refund for the interest charged to my account ( ~ {$500.00} ).
Product: Credit reporting or other personal consumer reports

After a thorough review of my credit profile its multiple outdated information on my credit profile. 
My address should only be XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All others need to be deleted.
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 that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This is related to Complaint #  XXXX  Th e collection has been removed from my credit reports, but Portfolio Recovery Associates has begun to harass me both via phone and mail. I do not accept the phone calls and do not respond to the mail.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have received notices from a Dept collector company in attempt to collect a debt. The company placed a debt on my credit report I have never received a notice from them, not one. I called the agency to inquire about a negative activity report by them on my credit report the original date XX/XX/2014. I was told by the agency they placed a lien and a judgement on me for a debt. I asked her if there was a charge off she stated no. I explained to her the card had been stolen and there were unauthorized charges made to the account she preceded to tell me that she knew that and sent me another collection notice a week later. I did ask them not to contact me again cease all communications and the still contacted me via mail.
Product: Checking or savings account

on XX/XX/2023 Wells Fargo closed my CD account which had {$250000.00} and it and failed to notify me that they closed the CD. When I called customer service on the XXXX of XXXX, I spoke to three different representatives who all said that they were not able to help me including two different members at the executive office. Both of these calls were recorded. The last rep ended up hanging up on me when I didn't except that they couldn't help me. I then went to the local Wells Fargo branch in XXXX XXXX in XXXX XXXX, where I had originally opened the account. The gentleman who opened my account was no longer employed by Wells Fargo, but I spoke to the branch manager. After four hours sitting with the branch manager and him explaining that my account was closed due to an invalid address, he refused to release my funds and they are still holding all of my money since XX/XX/XXXX. Since I was very vocal about this inside the branch, to other customers came up to me and provided me their contact information and wanted to find out the resolution to the issue of Wells Fargo not releasing my funds to me. Upon telling one of these customers that my funds are still being held hostage by Wells Fargo and they have no clue where my money is and won't do anything to help me retrieve my money, this customer decided to close their bank account with Wells Fargo. Upon her attempting to do so, one of the employees named XXXX ( XXXX ) mentioned to her that my account had illegal activity it and that's why my account was closed. This is a gross violation of the Gramm-Leach-Bliley Act ( https : //www.ftc.govXXXX ) too disclose any information about my account whatsoever to a non-related party let alone a complete stranger, and to blatantly make up a lie to slander me in an attempt to save another customers account. This customer has told me they're willing to provide a sworn statement and affidavit of the facts and what that teller said to her about my account. I have contacted several attorneys in relation to this as today is the XXXX and I still don't have my funds released to me and my local small business needs to make a large purchase, I am without liquidity because my money was stolen from me by wells fargo, I'm not earning any interest on the phantom funds that have disappeared, and no one has any sense of urgency to attempt to get my money back. I plan on visiting the bank today again to attempt to get my funds and file a police report if they deny me. Audio and Call recordings available as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing as I have reinvestigated the false, fraudualent information that XXXX XXXX and Corelogic, is reporting on my credit profiles, claiming they are receiving their information from XXXX, where in fact, XXXX has denied and proven they are not reporting any of the information XXXX XXXX and Corelogic is providing to creditors. 
In my further review and investigation, I found XXXX XXXX, Corelogoc and their client is reporting false, fraudulent information under three ( 3 ) different company names, XXXX XXXX XXXX, XXXX and XXXX Management for the same property address and filing with the courts three different cases for the same case. 
I have attached my original lease agreement with XXXX XXXX XXXX and not the other companies they claim I had a lease, as well as court documents/records pulled from the Justice Court records XXXX : XXXX? XXXX on XX/XX/XXXX and again on XX/XX/XXXX. 
Both documents clearly show a timeline from XX/XX/XXXX XX/XX/XXXX where clearly the Summary Eviction was DENIED. XXXX XXXX and Corelogic is showing a JUDGMENT as of present day XX/XX/XXXX, and nowhere on any of the court documents/records state a JUDGMENT. 
Not only is XXXX XXXX and Corelogic refusing to delete/remove these inaccuracies as well as stop reporting fraudulent information that they claim they are receiving from their client and Experian but also from the XXXX XXXX, are violating my rights as a Consumer as well as violating all ethical and fair practices of the FCRA. 
Clearly the facts are in front of you, and this company continues to disregard the law not to mention disregards any ethical practices by making me the consumer a XXXX single mother, suffer to continue to not afford us of XXXX and XXXX descent a fair opportunity to secure housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}
Product: Debt collection

I had rental agreement with XXXX XXXX XXXX XXXX from XX/XX/XXXXXXXX  to XX/XX/XXXX. I rented the car as pictured ( with scratches and loose trim ) in the claim and conveniently the lot attendant noted the damage during my stay. I took photos of the damage upon receipt of the car and showed them to the lot attendant and was told they would make a note on my agreement. After a couple months went by and I did not hear anything about the damages, I deleted the photos. 
On XX/XX/XXXXXXXX more than 3 months after I rented the car I only received notification from Viking Client Services that this was being charged to me by XXXX. I received no communication from XXXX. I contacted Viking Client Services to dispute this claim and received a packet of claim information which I had never seen before. However, there were no instructions on how to further dispute the claim without my own photos of the rental car. On XX/XX/XXXXXXXX I attempted to contact XXXX XXXX XXXX XXXX in XXXX, HI where I had rented the car and was told I could leave a message and someone would call back. I did not hear back a week later, so I called both Viking & XXXX back on XX/XX/XXXX and could only leave voicemails. I called XXXX again on XX/XX/XXXX and was told I could email my dispute to XXXX. I never received a response to my email nor my previous messages. I called XXXX again on XX/XX/XXXX and could not get through. After trying for more than a month, I couldnt get anyone on the phone at XXXX XXXX Viking to get further instructions on how to dispute this. 
Had I been contacted earlier than XX/XX/XXXX, I could have possibly provided photo proof OR could have given my insurance information to cover these costs. Now, Im having to pay out of pocket for damages that Im not responsible for. Im paying for the damages so as not to incur any legal action against me, but I will also be lodging a formal complaint to the Consumer Financial Protection Bureau as I feel this entire process was a scam and am concerned that this is happening to other innocent consumers.
Product: Checking or savings account

I twice tried to open a {$5000.00} CD ( 4.1 % interest, 5 months ) with Wells Fargo ( first application on XX/XX/2023 ; second on XX/XX/2023 ), each time directly from my on-line account. Both times, my application was rejected because Wells Fargo could not " verify your identity. '' This is, literally, impossible to believe. First, I made application through my on-line account, funding the CDs from money already on deposit. Second, the CDs were to be set up in my name, the name on my accounts.
Product: Checking or savings account

On XX/XX/2019 I saw a {$140.00} overdraft fee PENDING, so I deposited enough money to make it positive without the overdraft fee. I immediately called customer service and her answer was that I had a {$74.00} overdraft refund last XX/XX/XXXX, so she could not reverse the current {$140.00} fee. I told her that was due to XXXX XXXX charging me twice in the same month for the same service. Management admitted to the problem and I had them on speakerphone with a witness. They later tried to rebuke the statement and said Florida does not allow a witness to overhear conversations. Since I had a XXXX area code he must have thought I was in Florida and I told him I was in North Carolina and they do allow such action. He was taken back. So without the {$74.00} fee she would have reversed the {$140.00}. I also sent an email in explaining that 3 of the charges were from XXXX, a 5/3 product meant to save you money, not cost you money. The PENDING charge of the fee should have allowed me to cover it as I did and that works at all other banks. This is unwise to hide the transaction for a day and then not be able to do anything with it. I took out a cash advance to cover it and that cost me another fee plus high interest. Customer Service just wants to send out some legalize letter to me explaining what happened ; I am not interested. I have worked as a Vice-President of XXXX and know that a policy can be overridden if it is in the interest of customer satisfaction. I am being taken advantage of here and these banking laws are iffy.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 Days today since Ive sent documentation on XXXX regarding to those unknown and inaccurate accounts on my credit report but I haven't received any reply. I was a victim of Equifax Data Breach. I want all those account will be remove to my credit report or I will file a litigation.
Product: Credit card

I am seeking your help to investigate accounts from companies incorrectly reporting late payments. I lost my job and requested that these payments be forgiven, which they agreed to, but they are still reported as late. Ive reached out to them with no response, leaving this as my final option.
Product: Student loan

My problem is simple. I 've started out with a XXXX balance and after paying my monthly payment on time for about 3-4 years my balance have n't budged.
Product: Credit reporting or other personal consumer reports

I had looked look on my Experian report and noticed an unauthorized inquiry that was from XXXX XXXX XXXX XXXX XXXX. And also XXXX XXXX XXXX on my Experian is given me a hard time removing the item off. Which was remove from my other reports. I had file a report with the FTC and got back a report number for all three items
Product: Checking or savings account

My account was locked and I wasnt aware about it until after I tried to put money on my card. Ive been going back and forth with American Express and they keep telling me to send a letter to a address. In which, Ive sent the letter multiple times and never received a call or a email from them. I want this problem to be solve because they are withholding my money from me and when I called them they said that my account was in the negative. I dont understand how my account is in the negative when the last time I checked I had over {$500.00} in my account and they dont want to do anything about it except give me the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, XXXX XXXX XXXX XXXX. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to Bridgecrest and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Product: Credit reporting or other personal consumer reports

I am writing to request a re-investigation based on new evidence of updates regarding a XXXX XXXX XXXXXXXX XXXX  account reported on my TransUnion credit report with a balance of {$1200.00}. The account is listed as closed and reported as a charge-off, and the recent updates to this account raise concerns about its accuracy. Specifically, I am concerned about the inconsistency of reporting a charge-off status while still reflecting an outstanding balance. If the account has been charged off, it raises questions about why a balance is still being reported. Additionally, I am challenging the accuracy of other details, such as the payment history, payment status, last payment date, and monthly payment amount. These discrepancies introduced by the recent updates are negatively impacting my credit score, and I am requesting a thorough re-investigation to ensure all details are accurate and complete. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a re-investigation of any disputed information. I ask that TransUnion conduct a thorough re-investigation of this XXXX XXXX XXXX XXXX account to verify the accuracy of all details. If TransUnion decides to maintain this account on my credit report, I request a detailed explanation of the procedures used to verify the accounts accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and include any supporting documentation from XXXX XXXX XXXX XXXX, such as payment history and account statements. If the information can not be verified or corrected to accurately reflect my account history, I request that the account be removed entirely from my credit report. Thank you for your prompt attention to this matter, and I look forward to your response within the 30-day period as required by the FCRA.
Product: Bank account or service

Went to office Wachovia Bank. Set up a account for my parents where I had power of attorney. Bank officer did not tell me power of attorney ends with death of my parents. There is {$2500.00}. which I can not het my hands on because to probate would cost me {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a problem reporting on my student loan. I am currently in the income based repayment plan and have been been since XX/XX/2020. There should not be any late payments reporting on Experian, XXXX and XXXX on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account type : Installment XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX XXXX XXXX Account type : Installment I also noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from XXXX, Experian and XXXX as well.

XXXX  XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process. Credit report is attached. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Venture XXXX charge back for account ending in XXXX LVNV Funding LCC {$1500.00} Opened XXXX XXXX, XXXX. At that time I was incarcerated. 

COLLECTIONS : XXXX XXXX {$9000.00} Opened XX/XX/XXXX. At that time I was incarcerated. 

CORRECTIONS OFFENDER NETWORK INMATE RELEASE INFORMATION DETAIL ( This information was current as of XX/XX/XXXX ) DC Number : XXXX Name : XXXX, XXXX XXXX Race : XXXX XXXX : MALE Birth Date : XX/XX/XXXX Custody : MINIMUM Release Date : XX/XX/XXXX Stated Residence Upon Release : Available to Law Enforcement Aliases : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Current Prison Sentence History : Offense Date Offense Sentence XXXX XXXX Case No. Prison Sentence Length XX/XX/XXXX POSS.CONTROL.SUBS/OTHER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX POSS.CONTROL.SUBS/OTHER XX/XX/XXXX XXXX XXXX Sentence Concluded Conviction Overturned Note : The offense descriptions are truncated and do not necessarily reflect the crime of conviction. Please refer to the court documents or the Florida Statutes for further information or definition. 
Incarceration History : Date In-Custody Date Out-Custody XX/XX/XXXX XX/XX/XXXX Hard Inquiries : XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX  XXXX BANK XX/XX/XXXX, XXXX XXXX. XXXX BANK XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX BANK XX/XX/XXXX XXXX. SERVICE FINANCE XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

please remove these accounts you are violating my rights as a person the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ) XXXX XXXX XXXX, XXXX XXXX XXXX They are delaying me from purchasing a home for my family
Product: Debt collection

I recently tried getting it removed with XXXX because these account are also reporting wrong on my account. 
they ignored me and said there was nothing they could do because the account was in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I received a notification from my credit monitoring service stating a formal credit inquiry from XXXX XXXX XXXX was made showing that I applied for a credit card with a company called XXXX XXXX. 

Apparently, XXXX XXXX is a company that provides credit information which is used by retail organizations to issue credit cards. In my case, someone fraudulently used my credit information to apply for a credit card. 

I was never contacted by XXXX XXXX regarding this transaction. Further, they do not provide contact information to the credit reporting agencies so it has been very difficult to file a formal complaint directly to this company regarding their fraudulent activity. It is no wonder that XXXX XXXX has an " F '' rating with the XXXX 

I never applied for a credit card with XXXX XXXX, but a card was still opened without my knowledge or consent based on information that a was provided by XXXX XXXX. This is a fraudulent transaction. As a result of XXXX 's incompetence, my credit score was adversely affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires on my XXXX report, Many I don.t know about the inquires. 

XXXX XXXX 4 times on report from XX/XX/XXXX to XX/XX/XXXX, XXXX 2 times, XXXX   unknown XXXX  unknown XX/XX/XXXX don't know if somebody is trying to use info