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

I went to the nail salon on XX/XX/XXXX  to get a full set of nails and a pedicure. The next day, the nail polished chipped off multiple toenails, and I realized the technician had missed a spot on my nails. I went back on XX/XX/XXXX  to get them repaired. They attempted to give me the same person and I declined, they then gave me another technician. Then on XX/XX/XXXX  the nails chipped AGAIN! I was in Alabama at the time, and had to go to a new nail salon to get a brand new nail set. This resulted in me spending more money and ruining my TRIP! I called the nail salon while in Alabama and there was not an answer. I disputed it with my bank, Navy Federal Credit Union and they temporarily credited my account. I then got an email on XX/XX/XXXX  explaining they favored the nail salon 's side of the dispute because " there is no record of service cancellation. '' This reasoning is illogical and does not make sense. There was not a record of service cancellation agreement that even happened.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Fairway mortgage claim that they funded the loan for my mortgage but i later found out that the promissory note / promise to pay note was monetize to cover the cost of the loan .. { under 12 USC 83 A } Which means fairway mortgage never issue one dime towards my mortgage so to prove the facts i asked fairway mortgage to provide a check or bank transfer to show proof of a loan .. Now what the company did was they photo shop a bank statement trying to prove a loan was issue.. So if the promissory note funded the loan under the Uniform commercial code 7 CFR 1951.15 i can request to have the note return back to me .. Also since the promissory note funded the entire loan i would like to have Fairway Mortgage return my down payment of $ XXXX..
Product: Debt collection

I was called morning and night while being threatened to have my vehicle taken away from me during financial hardship. I was still able to make the payments and get it resolved but was still harassed. I was told all late fees would be removed and they were not removed. I was told I would not be called outside of normal hours and was constantly called outside of regular hours.
Product: Credit card or prepaid card

I am writing to dispute a charge that occurred on my credit card that I have not incurred and neither have I received any item for which I am being charged {$230.00}. 

I filed a dispute with Capital One on XXXX ( Attachment : Capital 1A ) Capital One opened an investigation, but on XX/XX/XXXX informed that they can not reverse the charges and reinstated the charges. ( Attachment : Capital 1B : Capital 2 ; Capital 3 ; Capital 4 ) To the best of my knowledge, I neither ordered this item nor do I recall receiving any item that costs $ {$230.00}. I did not sign any delivery receipts accepting this item. 

I would like Capital One to reverse the charges. 

XXXX XXXX
Product: Credit card

On XX/XX/year> XXXX XXXX. informed me that I am not able to redeem my rewards credit of {$730.00} due to the fact that I have a disputed claim for a part that I have returned. I have provide US Bank with proof of return and they are still charging me for a part I don't have. They are also refusing to contact me back about this dispute. Now in retaliation they have blocked me from being able to use my rewards credit of {$730.00}.
Product: Money transfer, virtual currency, or money service

I am filing a claim against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

ENHANCED RECOVERY XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX. Has been sending me collection notices in the amount of {$8300.00}. The collection has been reported as pasted due balance. I do not know this company, and it says it was opened on XXXX XXXX. This crazy please understand that I have never done any business with company. The Company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Willful Noncompliance with federal credit laws : Failing to Follow Debt Dispute Procedures Reporting a debt as charged off when it was settled or paid off Reporting late payments when your payments were timely Reporting old debts as new ones Inaccurate statement of balance due Experian XXXX. XXXX XXXX XXXX, TX I submitted a dispute on XX/XX/2019 and XX/XX/2019 for the following account : XXXX XXXX, Account Number XXXX date is incorrect, balance is incorrect, original creditor paid and I have not received any correspondence from you or the collection agency that this item has been reinserted on my credit report. 
The representative informed me that a thorough investigation would be conducted. This was obviously not done because the item was immediately validated as accurate. 

XXXX XXXX XXXX, Account XXXX XXXX account details are incorrect. Please provide full details of validation efforts XXXX XXXX XXXX, Account Number- XXXX Account paid under wage garnishment XXXX XXXX XXXX XXXX , Account Number- XXXX Documentation has been previously mailed several times regarding the correct/updated balance after the vehicle was sold. You refused to acknowledge the documentation I submitted. This is old information furnished as new information. This is a clear violation of my rights under federal law. 

XXXX, Account XXXX, XXXX - Unauthorized charges billed to an address that I do not live and have never lived at. 

the agency came back both times in less than 24 hours with the item remaining and claiming to have verified the dispute. Now, they are refusing to reinvesigate any further, deeming it frivolous.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received notice of a late payment from XXXX XXXX XXXX XXXXXXXX being posted to my account. Paid a day late due to me being out of the country.

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 it states, I have a right to privacy. Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Also, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Student loan

I completed what was supposed to be an easy refinance of my current student loan with this company. Another company issued the payoff check of {$13000.00} and Discover confirmed receipt of the check on XX/XX/2017. However, they never credited the check to my account so my account became past due and subsequently reported to the credit agencies. I called in XX/XX/XXXX have this rectified, I was told it would be taken care of. I called again in XX/XX/XXXX once I discovered it had not been taken care of and they escalated my issue and told me they would charge off the unearned interest outstanding of XXXX. Checking again in XX/XX/XXXX, Discover Student Loans STILL had not charged off the amount and I escalated my matter once again. I received written confirmation that the amount of interest had been charged in error and that they had advised the three credit bureaus of the mistake to remove the delinquency. I checked my credit score today and it had dropped 100 points. Upon running my credit report, low and behold, there was the delinquent account from Discover student loans listed on all three reports. I have filed a dispute to all three bureaus, but I want Discover to be  reprimanded for their inability to follow through with basic financial customer service and borderline fraudulent activity.
Product: Mortgage

I sent a rescission notice to the " so called '' lender, WELLS FARGO HOME MORTGAGE CO. effective as of XX/XX/2015 and they acknowledged it and refused to accept it and did not contest the rescission within the XXXX day time limit stated in the XXXX and so have waived all defenses in this matter. I am trying to get them to comply with FEDERAL LAW and comply with XXXX and release all encumberances on my property, return all funds paid by myself on the loan that was rescinded, and return of the promissory note. to date all I have received is stonewalling by WELLS FARGO HOME MORTGAGE and have even received XXXX letters on the same day from different people. I have been receiving harrassing phone calls even though I have a do not call stated on my account, I finally had to block the calls on my Cell. They disguise the calls by calling from numbers listed all over the U.S.. This is also a violation of FEDERAL LAWS and will not be tolerated by me any longer.WELLS FARGO and other Banks think they are above the law when they are now finding out that they will feel the full force of JUSTICE upon them for what they have done to our economy and to the Americans they have hurt so bad! 
XXXX XXXX XXXX
Product: Credit card

I bought XXXX XXXX  figure off mercari  marketplace on XX/XX/15 and made return and seller accepted and I never got the refund from mercari even though the seller refunded me.
Product: Credit reporting or other personal consumer reports

I summited a complaint on XX/XX/2023 to Transunion alerting them there is identity theft information on my consumer report on the CFPB portal. The company responded on XX/XX/2023 stating that the investigation was complete and all of the items will be deleted. They were initially deleted but Transunion put the identity theft information back on my consumer report without my consent and also without even sending me a reinsertion letter like the FCRA states you should do. That is a violation of the FCRA and also they are willfully and knowingly reporting this information which is a defamation of my character to banks. Furthermore i will also file a lawsuit against Transunion for violations of the FCRA.
Product: Debt collection

XXXX XXXX They call repeatedly and say they have an important debt-related issue to discuss with me. I have no debt issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report XXXX XXXX XXXX XXXX XXXX  These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates.

I have not gave anyone written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Scam on : XXXX Hello I would like to make a report on fraud alert. I was trying to Call XXXX @ XXXX to make a fraud alert and I didn't realize that I accidently dialed XXXX instead of XXXX. A lady answer saying she from XXXX and asked me for all my personal information including name, address, and my social security number. Then she says she can offer me a life time social security protection for life time for a one time charge of {$290.00}. Then i heard dog barking and someone laughing and thought it was weird and unprofessional. then when i had them look up info on my XXXX account they were not able to. I looked up the phone number XXXX and there were multiple scam reports stating that this lady was impersonating XXXX to steal money from people. She sent me an fake email and kept insisting to get my credit card number. I would like to report that it is a scam. They made there phone number similar to XXXX to trick people into calling them instead of XXXX. I would like someone to catch these fake scammers impersonating the IRS and XXXX XXXX of advise be careful and double check number to you call before giving personal information. I learned the hard way. Thank You
Product: Checking or savings account

I paid a mobile mechanic {$290.00} on XX/XX/XXXX to purchase parts for my car to repair it with my us bank debit card. The mobile mechanic never returned with parts to fix my car, never returned at allXXXX I filed a dispute with bank. I was given a provisional credit of {$290.00} on XX/XX/XXXX. On XX/XX/XXXX I faxed a form to bank with additional information. On XX/XX/XXXX they reversed the credit saying I did receive services from mechanic, which is untrue. When I called they said they tried to reach me and left voice-mail. On XX/XX/XXXX I spoke to us bank customer service, she said they never called they didn't have number. I have a mortgage with this bank, direct deposit. I feel like I'm being lied to. I tried calling again on XX/XX/XXXX, they said a fraud investigator would reach out within 48 hours. No response again. I called today XX/XX/XXXX and again was told a fraud investigator would reach out with 24 hours. I paid the mechanic with my own money I let them know right away what happened. It was still pending. This is not right.
Product: Credit card

About 30 days ago I received ( 7 ) account breach emails to one of my emails associated with a former Chase business, and personal account. The two emails known to Chase that were compromised in their recent data breach were XXXX, and XXXX. 
In this period someone applied for a Chase credit card in my name, and I received notification from my " Identity Defense '' program, that this information is circulating on the dark web. 
I need this removed from the Chase system, and the credit bureau/s/ in question.
Product: Vehicle loan or lease

On XX/XX/scrub>/25 I was approved for a car loan with Carvana. On that date, I paid {$2000.00} down payment. I was supposed to pick up the car on XX/XX/scrub>/25. A couple hours before picking up the car from Carvana, I received notice that the transaction had been terminated. I inquired as to the reasoning for such termination and was provided with vague and incomplete information. I view this as an adverse credit action without being provided the reasoning for such action. I was also told that I am no longer permitted to do business with Carvana, but they will not tell me why.
Product: Credit reporting or other personal consumer reports

There is an unauthorized credit inquiry from this company with no account attached to it.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, a fraudulent charge appeared on my Wells Fargo credit card account, which had been inactive for an extended period. This fraudulent charge led to a late payment being reported on my credit report. I only discovered the issue after receiving a notification from XXXX on my credit score update.

I promptly disputed the fraudulent charge with Wells Fargo, and they resolved the dispute in my favor, confirming the charge was fraudulent. However, the late payment resulting from the fraudulent charge remains on my credit report, negatively impacting my credit score by XXXX points. 

I contacted Wells Fargo via a written letter to dispute the late payment entry on my credit report, providing all relevant evidence. Despite my efforts, Wells Fargo has refused to remove the late payment from my credit report, even though the underlying charge was determined to be fraudulent and resolved. 

I am requesting the removal of this incorrect late payment from my credit report, as it was caused by a fraudulent charge that Wells Fargo confirmed was invalid. This incorrect entry has unjustly impacted my creditworthiness by significantly lowering my credit score, and I seek resolution through this complaint.
Product: Student loan

I am on the XXXX repayment plan, and an injunction came down preventing the government from implementing the plan. On XX/XX/scrub>, 2024, I submitted an application to change my repayment plan to XXXX. My servicer ( MOHELA ) is supposed to process my request within 30 days, but at this point it has been over 45 days since my application went under review. 

I am seeking loan forgiveness through the Public Student Loan Forgiveness ( PSLF ) Program, and I am very close ( less than a year ) to hitting the 10 year mark. As long as I remain in the XXXX plan ( and thus in an administrative forbearance that I did not request ), I can not make any qualifying payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XX/XX/2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XX/XX/2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for XXXX, and it has been reported it as 2 late payments on Experian -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 U.S. Code 1681 Governs Access to Consumer Credit Report Records And Promotes Accuracy, Fairness, And the Privacy Of Personal information Assembled By Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, RECEIVABLE SOLUTIONS XXXX Account # 1238 has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Belk Rewards Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccuracies in my credit report, which have been reported by various creditors and credit reporting agencies. I am seeking your assistance to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

The credit reporting agencies have reported my name and address inaccurately, which violates Section 607 ( b ) of the FCRA. My correct name is XXXX XXXX XXXX XXXX, but the bureaus are reporting it as XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. Additionally, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, but the bureaus have reported that I have many addresses, such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. These inaccuracies have negatively impacted my ability to obtain credit and have caused me undue stress and hardship. 

I have disputed these inaccuracies with the credit reporting agencies, but they have failed to investigate or correct the errors, which violates Section 605 ( g ) of the FACTA. I have also been discriminated against under Section 202 of the ECOA, as these inaccuracies may be due to errors in identifying my race, sex, or other personal characteristics.

This situation has affected my life in a profound way. Due to these errors, I have been denied credit, employment, and housing opportunities. I have experienced significant emotional distress and financial hardship as a result. I am deeply frustrated and concerned about the impact that these inaccuracies will continue to have on my life in the future. 

Therefore, I am requesting that the creditors remove these unverified accounts from my credit report as soon as possible. I would also appreciate any assistance you can provide in enforcing my legal rights under the FCRA, FACTA, and ECOA. 

Thank you for your attention to this matter. 

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

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/2020