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

On XXXX XXXX, 2023 I sent an email to XXXX XXXX, corporate office of Bank Of America about charges that was made to my account to We are XXXX XXXX XXXX located in XXXX XXXX in the amount of XXXX. The company XXXX XXXX XXXXXXXX close the doors did not refund our money back for the trips that was suppose to happen XXXX now since XX/XX/2023 the company are in liquidation and the trips never happen. I contacted my back several times not once did they offer a refund or looked at the documents I submitted via emailed. On XX/XX/2023 I received a letter from Bank of America denial stated I cancel the trip which is not true. I did not cancel the trip I had my heart set on going to the places I paid for. I paid for service that was promise to me and it didn't happen. Bank of America didn't look into the matter at all just sent me a notice with in days of me trying to explain what happen.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint regarding the repossession of my vehicle on Saturday, XX/XX/year>. I am deeply distressed by the manner in which this repossession was conducted, as it was done without any prior notice, which is a clear violation of XXXX XXXX  state law. 

I have been making my auto loan payments regularly from my bank account. When I was notified that the payments were not received, I promptly sent out another payment. On XX/XX/year>, I spoke to a representative from your company who informed me that attempts were made to contact me regarding the missed payments. However, I did not receive any such communication, and the funds were indeed withdrawn from my account. 

Despite my efforts to rectify the situation, I was informed that I still owe {$2400.00}. According to XXXX XXXX XXXX law, a written notice of intent to repossess must be provided, which was not done in this case.
Product: Checking or savings account

I have not received my check deposit into my account. Usually the bank releases on Wednesdays every 2 weeks but I did not receive. I waited u til Friday which is XXXX XXXX workers official pay date and I still have not received my funds. Thursday night an email was sent to me stating they are having technical issues
Product: Credit card or prepaid card

Once again Amex tries to XXXX XXXX  theyre paying customers. I opened my AMEX XXXX  card XXXX XXXX XXXX The card had a welcome bonus of XXXX points after {$6000.00} spend in 6 months, and 10x the points for restaurant and small business purchases. Ive been tracking all of my points every month because I was scammed out of points before for my gold card. I even track the bonus spend by multiplying my purchases to check in the bonus points rewarded. I discovered that none of my XXXX orders which qualifies for restaurant bonus ( confirmed with 2 membership rewards customer service reps, and 2 membership rewards supervisors ) were being rewarded to my card. I called in early XXXX to file a claim and provided the agent with every XXXX transaction date and amount. The claim was closed without my points rewarded and no one can tell me why since it qualifies and I wasnt rewarded it. Ive been going back and fourth promised numerous callbacks I never received. I then tried calling back today to check on the status to be ran around in circles blindly transferred. Im owed over XXXX bonus points for my XXXX transactions since I got the card and Amex is refusing to honor their welcome bonus that was confirmed on numerous occasions I shouldve gotten my bonus points for.
Product: Mortgage

Hi- I attempted twice to resolve New Rez inappropriately reporting past due information to my credit report. I was advised that nothing would be reported for 60 days following my account being transferred to New Rez from my previous mortgage company ( SLS ). I was advised by a Rep when contacting that nothing was supposed to be reported and this would be corrected. He also asked that I send a message to customer service which I did twice. New Rez has ongoing issues making payments online and thru the app ( also confirmed by Rep ). I have attempted multiple times making payments as recently as yesterday online/ thru app and the issues is ongoing for several months now. These issues collided for me leading to a ding on my credit report. I would appreciate any help your organization can provide. The lack of response and correction has led to my being unable to utilize credit and a reduction of XXXX points on my credit. Thank you
Product: Debt collection

I owed a debt to XXXX XXXX. On XX/XX/XXXX of this year I received a letter stating that I paid them through Radius Global Solutions the agreed a pun amount to settle the debt. They then reported to the credit bureaus I still owed a high amount of debt. I called them back and asked why, they sent me a letter dated XX/XX/2022 stating that they sent the credit bureau`s an update and it may take up to 60 days to reflect. On XX/XX/2022 They reported to the credit bureaus I still owed a high amount. I have the letters they sent.
Product: Debt collection

I recently received an alert of a collection on my credit report. From Enhanced Recovery. I never received a letter from ERC stating that they were attempting to collect a debt from nor have I received any phone calls. I have no knowledge of a XXXX account nor did I have a XXXX on the dates listed on my credit report.
Product: Credit card or prepaid card

A payment was mailed to Home Depot with a 3rd party check. The statement was included with the account number highlighted. The check was deposited by Home Depot/Citibank XX/XX/XXXX. Proof was sent to Home Depot XX/XX/XXXX, they would not accept the written description in the " secure email '' so I had to use snail mail. I have been on the phone with XXXX ( not very nice ) she initiated the dispute, XXXX, XXXX and may other names I did not write down since XX/XX/XXXX trying to get my {$340.00} returned. They did not credit it to my account but someone else account. I have a dispute #, I have received an emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX & XXXX stating I must call to resole this refund. I call ( calls take 45-1 hour ), they refused to call me which I have requested via " secure email '' The last call I made was with XXXX XX/XX/XXXX during which he told me the check was returned electronically to the bank. I ask for the date and bank, he could not provide that information. Then stated during the same call oh wait it was mailed to you XX/XX/XXXX. I really do not feel I will ever receive my money back. Also to avoid late/finance fees to continue overpaying my Home Depot charge card bill even though they had proof they cashed the check because they could not find my money they lost. I have been told so many different stories that I am not sure what to do at this point. DO NOT USE HOME DEPOT CHARGE, EVER. Also they do not apply your payment to the 6 mos promo unless you specifically ask them to every month you make a payment. It is only applied to your general statement balance, what a scam
Product: Mortgage

I am in the process of purchasing a home, and during the loan approval process have reached out to my prior mortgage company, Seterus Inc., to gather necessary documentation. Specifically I need a payment history for the past 12 months, along with a coy of modification paperwork for the modification done XX/XX/2015. I have spoken with them on 3 separate occasions, and have yet to receive the requested information. My earnest money of {$1000.00} is now at risk and I am also at risk of losing the homebuying opportunity. They refuse to let me speak with a manager after multiple requests s well. Also, every time I call they give various reasons as to why the former request was not processed, stating the prior rep did not process correctly. I now have only 10 days left and am seeking escalated assistance in getting this resolved so that I do n't lose my home buying opportunity and all of the funds invested to date. I am requesting your kind assistance. Thank you!
Product: Debt collection

I signed up for a XXXX 'hotspot ' for my business. After a few months I attempted to cancel the service ; however, despite confirmation via phone, the service was not cancelled and I continued to receive bills. Then, via XXXX 's chat feature online, I cancelled again. This time the service was cancelled ; however, I continued to receive bills. I contacted XXXX again via chat to confirm there was no outstanding balance and that the account was closed. This was confirmed, but I continued to receive bills. Finally, I received a letter from a collections agency ( Convergent ) attempting to collect the alleged outstanding balance. I contacted XXXX XXXX more times and they confirmed the debt was not correct ; however, I continue to receive bills. I contacted Convergent and forwarded them my correspondence with XXXX to prove I don't owe anything, but they never responded. Please help me resolve this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian with a companies ilegal reporting of an account that is 14 years old, the company has illegally re-aged the debt to reflect current activity reflecting the last 6 months as the debt being past due. The account has been resold various times and each time the company fraudulently reports outdated information as new to damage my credit And experian fails to properly investigate or block the information according to FCRA law. 

Company is XXXX XXXX XXXX XXXX which is not the collection agency legal name, and the address is XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Opened XXXX I have been denied credit and had to pay a higher interest rate on car purchase because of this ilegal reported item. 

Experian Fails yo remove the item
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, a regular monthly {$3000.00} ACH transfer was executed from my checking account at XXXX XXXX to Wells Fargo. 

The transfer was completed ( Trace ID # XXXX ) but the funds were not credited to my Wells Fargo account before the account was closed on XX/XX/XXXX. When the account proceeds were sent to me by check, the {$3000.00} was not included. 

I have filed multiple claims with Wells Fargo ( most recent claim # XXXX XXXX for the return of the funds. In response, Wells Fargo first recurrently denied the transfer was completed, then claimed to have returned the funds to XXXX XXXX. Finally, in a letter dated XX/XX/2021, Wells Fargo acknowledged the completion of the transfer : Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. However, they said nothing about returning it. 

In a fax on XX/XX/2021, I again provided Wells Fargo with the Trace ID number, a copy of my XXXX XXXX statement for XX/XX/2021 showing the transfer, and even a copy of its own letter to me confirming the transfer. 

However, Wells Fargo has been nonresponsive, now claiming that XXXX XXXX is responsible for requesting the return of the money -- but not responding to XXXX XXXX 's request that they do so ( that according to XXXX XXXX, Business Reporting and Customer Advocacy Manager at XXXX XXXX ). In its most recent letter to me, Wells Fargo says " We consider this matter closed. '' There is no mention of where the funds are or why they have not been returned. 

Wells Fargo is clearly committed to keeping my {$3000.00}. I request your assistance.
Product: Credit card

I disputed a charge of {$87.00} ( merchant : XXXX ) which was charged on my American Express card. This charge was disputed twice but American Express continued to deny the dispute. I had explained several times to American Express that the package was delivered to the wrong place ( it was delivered to the complex club house which was several minutes walk from my apartment ). I had provided photos as proof that it was delivered to the club house and not my individual apartment but American Express keeps siding with the merchant and claims that it was delivered. There is even a sign at the clubhouse stating not to leave packages there and the delivery driver failed to read the sign. Another concern is that I feel I may be a victim of delivery brushing and/or fraud but American Express didnt care to investigate. The merchant, XXXX, does not list a company address on their website and does not list a telephone number for customers. Despite explaining the lack of contact information to American Express, the dispute continued to be denied. I attempted to email XXXX several times with proof attached that it was delivered to the wrong place but I never received the results of their investigation. Please note that I am a loyal American Express customer who has a 100 % on time payment history and excellent XXXX XXXX. However I have had tremendous difficulty with this dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> RE : Correction to my personal information Dear Equifax XXXX I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

For a year and a half, I have disputed an alleged outstanding balance from XXXX XXXX XXXX from service on XX/XX/2021. During my visit with my provider on XX/XX/2021, I was asked if I was interested in genetic testing. I made it clear that I was not interested and this statement was marked clearly in my medical chart. The alleged outstanding balance is directly connected with a service ( XXXX XXXX XXXX XXXX XXXX XXXX Includes XXXXXXXX XXXX  ) that I declined verbally and said declination was clearly documented in my medical record. The continued claim that this balance is outstanding is inappropriate as I did not consent to this service to begin with. 

I have sent dispute letters to XXXX, to XXXX  XXXX XXXX, to the first collection agency State Collection Service , Inc., and to the second collection agency XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Product: Debt collection

I have a collection account from PROCOLLECT , INC on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously filed a complaint regarding Equifax not sending my credit report, they responded indicating that it was sent ( they didnt prove that it was mailed ). I still havent received the report and it is well over 30 days from when I requested it on XX/XX/XXXX. It is my belief that they lied to me and the CFPB about sending it so that they could have the previous complaint ( XXXX ) closed. When I was able to check my report about a year ago, Equifax was reporting my old name and address from roughly 10 years ago. It is my belief that Equifax is intentionally reporting this false information, and then in turn are not sending me reports so that I cant dispute the false information. All the credit bureaus were notified of my name change in XXXX, and they have been updated on my addresses since. There is absolutely no reason why Equifax should be doing this, unless they just have blatant disregard for their responsibilities under FCRA! At this point I want compensation from Equifax for this violation.
Product: Money transfer, virtual currency, or money service

I'm reaching out to address my concern regarding zelle handling of disputes similar to the current CFPB lawsuit bringing up issues with the platform. Aside of using zelle multiple times and reporting discrepancies, my financial institution has failed to investigate my claims adequately. They reached out and told me that recovering my lost funds were impossible and tracking these transactions are unfeasible. The CFPB 's findings indicates that zelle has not only neglected myself and other consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Checking or savings account

I a writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are very unfair and unethical and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for dispute with the consumer report agency I got from XXXX XXXX XXXX that the record still has that record, I am very afraid because the record will ruin my future. I feel like there will be an obstacle in my job, and I am very scared, last time I tried on my name house leasing I did not qualify for house leasing, onXX/XX/XXXXI tried to open a bank account from XXXX XXXX they did not allow to me open account reason consumer report agency, Then I realized that. Please support me for that record consumer report agency. What should I do about this?
Product: Debt collection

I was contacted by Central Financial Control about a medical bill, I explained I needed proof of the charges, I was told if I did n't pay the bill in full it would be reported to my credit. I paid it in full but they still put it on all XXXX credit companies. I have explained to them that I never visited XXXX XXXX XXXX but they insisted I pay {$300.00} or risk hurting my credit. I have disputed this claim with them and they refuse to correct my credit. I was told it was a crime to have services preformed and that I was refusing to pay my debt. they made me feel like a dead beat, I paid the {$300.00} to avoid issues.
Product: Money transfer, virtual currency, or money service

I am formally writing you regarding Zelles mishandling of disputes, 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 recovering lost funds would be impossible and that tracking these transactions were 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.