23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed an insurance claim ( # XXXX ) with XXXX  XXXX XXXX through XXXX. XXXX operates as the processes for the credit card benefits provided by my BILT card from Wells Fargo. Ultimately, XXXX  XXXX XXXX denied my claim despite it meeting all of the requirements under the " XXXX XXXX XXXX '' product. The date of loss was XX/XX/2024. The quote I received from XXXX for repairing the device is {$490.00}. The reason provided for denying the claim was " The monthly wireless bill for the month immediately preceding your date of loss was not paid using your covered card. '' However, this is false. Reviewing the XXXX Bill from XXXX, it clearly indicates the monthly charge for this device 's mobile line was {$85.00}. There is a corresponding payment to XXXX in that amount for XXXX and XXXX. I also received confirmation that the amount was paid for those months which included the last 4 digits of the payment method. I've attached all of these items to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/year> SSN : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Checking or savings account

Multiple times I have address Wells Fargo concerning overdraft fees when there are insufficient funds in the account. Ive even tried to get them to disallow the overdraft coverages they offer and have received information from them that they recognize me doing both. Yet overdrafts continue to come through at their discretion. Unfortunately this has no cost me over XXXX $ in overdraft fees when the account is already overdrawn and allowing charges, debits, and transactions to occur. IF THERE IS NO MONEY IN AN ACCOUNT, NO TRANSACTIONS IN ANY FORM SHOULD BE ALLOWED. They are using my future funds to cover for a charge that should not be accepted, and then charging me extra for them doing it. This is not a service I want or desire from any company let alone my Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report from XXXX, XXXX, and XXXX  and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The Bank of America fraudulent account ( Acc no : XXXX ) was disputed and deleted in XX/XX/XXXX. However, XXXX, XXXX, and XXXX  reinserted the fraudulent account after seven months without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent. I attempted to contact the companies and no response. I never authorized these. These are negatively impacting me and need to be removed asap before I take legal action. 
XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date :   XXXX /2016 {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.
Product: Credit card

When I try to pay my Amazon Synchrony Card, there are numerous problems with website. Each month, I have had to attempt to make the payment 3 or 4 times and can not tell if it has gone through. They reverse/reject payments for no reason. In XXXX, i paid my balance in full and set up autopay. Then I got a notice that they hadn't received a payment. I never miss credit card payments! They were able to waive the late fees but changed me interest over 20 % when I had paid the full balance. They would not waive or reverse the interest I paid. I think they are intentionally making the website defective so they can collect interest from people. I have had credit cards for over 20 years and have had more problems paying this bill the last 3 months than I have had with all other credit cards combined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete and repair some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be discarded as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously disputed this account for the account reporting this information to my credit report without my consent and yet its still on my report. They are now reporting this account as an open account which it is affecting my credit when its closed.
Product: Debt collection

on XX/XX/XXXX so called debtcollector XXXX XXXX the agent is XXXX XXXX called me threatened me said i owe {$11000.00} to XXXX XXXX. 
i know nothing of this threatened to freeze my accounts and take assets by today. put phone down on me, very rude, trying scare tactics. said i know of this. i havnt had any emails nothing no post totally innocent of what hes trying to say. 
yes i did have insurance last year. from XX/XX/XXXXto XX/XX/XXXX, XXXX XXXX   were my agent XXXX  XXXX was theres. 
they uped my policy without asking me or my knowledge they canceled my policy XX/XX/XXXX. i told them its not worth me keeping policy not profitable if you asked me that you were going to put policy up i would of told to cancel. 
someone in the company didnt do there job and tell me by the end off XX/XX/XXXX i was owed back money i paid out. based on bank statements. but no they increased my insurance plus more so i owed more? 
without my consent havnt heard nothing until now. 
with threats to freeze and take assets. 
by today. 
please advise, is this a scam. 
they left voicemail from anumber XXXX XXXX XXXX. 

thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

I accidentally mailed in a check to the wrong bank for my XXXX  credit card. It was mailed to Citibank and knowing I do not have an account with them they cashed my check and placed it somewhere. I have provided proof where they cashed it, I have provided the amount the check number and have spoken to many representatives the first ones were very helpful. They actually located my check and the account it was placed in, they called it a special merch account. They said they would be mailing me a check with the amount on XX/XX/XXXX but I have not received anything. Now I try to call in and they are stating there is no way the check wad cashed if I have no account with Citi and I need to go through XXXX  and they transfer me without my knowledge. The last supervisor I spoke with was XXXX XXXX st XXXX ( central ) and he was rude cutting me off and then transferred me without listening to me situation. They check amount is over {$1500.00} and it is a loan check to pay off our credit cards. I haved faxed proof as they requested of the check cashed. Check # XXXX about {$1500.00} on XX/XX/XXXX.
Product: Mortgage

we have been paying our mortgage on time and all the money is going on the interest and nothing on the principle, we tried to talk to them about this with no results. we have been paying for 15 years and there is total of {$1600.00} is the only principle on the house. The. loan is for {$170000.00} and the house is valued at {$84000.00}. We filed for a deed in lieu of they took all the info, and then sent us a subpoena, they never called back about the paper work nothing we had to call them after receiving the subpoena.
Product: Credit card or prepaid card

Hello, I have a problem with XXXX XXXX Comenity Bank. I had a balance of {$1000.00} due on XX/XX/2021. I paid the amount in full on the date and four days later they charged me interest of {$17.00} on the amount I had already paid full amount. I believe they are double cycle billing me. I thought if you pay the full amount on or before the due date they would not charge you interest but they have. I called customer service on XX/XX/2021 discussing the issue but they stated the interest was charged on the the amount of {$1000.00} of the last month but if the amount was paid in full why am I being charged interest on it for the next month ( XXXX ).
Product: Credit reporting or other personal consumer reports

I saw these enquiries on my reports that are not permitted by me or verified by me nor does it have my signature for it to be placed on their platform. These include ; XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - Equifax, XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX - XX/XX/XXXX - Equifax, XXXXXXXX XXXX  XX/XX/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

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Product: Credit reporting or other personal consumer reports

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

I demand that the late payment reported in the specified months be removed.

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

Please remove the late payments from my consumer reports.
Product: Checking or savings account

On XX/XX/2022, I opened a new checking and savings account. I created a customer log in, paid the credit union membership fee immediately, and began to set up deposits from my other financial institutions to fund my new checking and savings account. 
Suddenly, without warning, I was logged out and unable to access my new accounts. I immediately contacted my new bank and I was informed that I was accused of not having served in the United States armed forces. I was also accused of not being who I am ( identity ). I provided personal information to the phone banker in the security department. She began to attempt to persuade me to move on stating the Navy Federal Credit Union only accepts members who where XXXX XXXX! The website does not state anything of that alleged policy! She did not provide me my application ID, account number, or access number that is required on the security appeal form. 

I emailed the security department all requested documents. 
-appeal form -XXXX XXXX ( reason of my discharge are not required even though she demanded that ) -Drivers license copy -Proof of address ( county property tax bill ) I call to follow up and continue to be blow off and avoided
Product: Money transfer, virtual currency, or money service

I have almost {$6000.00} on my cash apo card I have deposits made and I sold a car and the person sent payment via cash app now my card will not work my money is stuck on my card and nobody will respond to me
Product: Credit card or prepaid card

On XX/XX/XXXX, my Apple Credit Card issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, was charged {$1500.00} for services rendered by " XXXX XXXX XXXX '' on that date. I notified Apple and Goldman Sachs Bank by telephone call to their disputed transactions numbers that I did not make this charge, that I was not on a XXXX XXXX flight on or anytime close to XX/XX/XXXX, and that the transaction was either an erroneous billing or fraudulent. Goldman Sachs Bank issued a temporary credit to the account and undertook to investigate. Approximately 90 days later I received an email saying that the matter had been investigated and the merchant charge will remain on my account. No information was provided as to the basis for the charge, whether XXXX had provided billing details or whether or how my card number had been used. I protested this result by telephone call to an Apple Card Specialist, who referred me to Goldman Sachs Bank and Goldman Sachs Bank said they would reinvestigate the matter and let me know the outcome within 90 days. Approximately 90 days later ( XX/XX/XXXX ), I received an email from Goldman Sachs Bank saying the transaction dispute had been re-investigated and that " based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' A Dispute Case Number was given as XXXX and the full disputed amount was charged back to my account. The email also stated that I have the right to see " the information we gathered to make this decision '' and " to request a copy, please contact an Apple Card Specialist. " On XX/XX/XXXX, I contacted by telephone an Apple Card Specialist at Goldman Sachs Bank ( XXXX ) and requested the information and she said she does not have it and transferred me to another person ( XXXX XXXX, who said she would mail the XXXX information to me. On XX/XX/XXXX, I spoke by telephone with another Goldman Sachs Bank representative about the status of the expected information, who said they have received no information from XXXX about the charge and she would file an internal complaint and the investigation team may contact me. In the meantime an interim credit to the account would again be issued and the matter would be resolved within 90 days. To date I have received no information from Goldman Sachs Bank supporting this charge by XXXX and no one from Goldman Sachs Bank has contacted me. In sum, this charge appears to be fraudulent and Goldman Sachs Bank does not appear to have any records that support a charge for " wifi services '' aboard a XXXX XXXX flight or any other charge. There is also no evidence that any investigation was in fact made, and I believe the bank simply issued a temporary credit and, at the end of 90 days, the bank reversed it and and reinstated the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report.If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX ( Inquiry Date : XXXX ) XXXX XXXXXXXX ( Inquiry Date : XXXX ) XXXX  ( Inquiry Date : XXXX ) XXXX XXXX XXXX ( Inquiry Date : XXXX ) AN XXXX ( Inquiry Date : XXXX ) XXXX ( Inquiry Date : XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Checking or savings account

I transferred {$170000.00} from my XXXX XXXX account to discover bank account on XX/XX/2020. I received an email from discover saying the funds have been transferred successfully and will be available on XX/XX/2020. When I checked the discover account, the money had been reversed for some reason but the money never made it back to my XXXX XXXX account. I have spoken to multiple people at both XXXX  and discover without any results. All I know is that the money left my XXXX XXXX  account and was electronically transferred to discover bank account on XX/XX/XXXX. Discover bank is telling me they never received the money. XXXX XXXX never received a notification that the money was being sent back. It has already been two weeks and discover has not settled this matter to my satisfaction. Either discover has stolen the money or it has been grossly mishandled. Either way, it is not acceptable. I need the money returned to my XXXX XXXX account without delay. Thank you.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. This information listed XXXX XXXX XXXX XXXX which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A Copy of my Drivers License A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with XXXX but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. I have tried to explain to the XXXX representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. I tried calling XXXX XXXX XXXX myself but I have not been able to have them help me because this account has information that does not match mine. XXXX continues to report this account on my credit report.