23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Requesting honor of chargebacks. I was misled and not told about " provisional '' credits when I was credited for successfully disputed charges. I was told at the time of reporting that I was made whole of fraudulent charges and formally and finally given the credits. Retroactively 2 months later I was called by a " case manager '' and told " those were provisional credits '' and now those charges back on my account. I was never told they were " provisional '', rather, I was told by the rep that my case was closed and resolved. Even if these were originally supposed to be " provisional credits '', I was never informed and I lived my life under the finality of what I was told -- that the credits were formally given and my case was resolved. I was either negligently misrepresented at the time of receiving the credits OR negligently misrepresented upon receiving the charges back on my account. 

Charges spanned from XX/XX/XXXX to XX/XX/XXXX for a merchant named XXXX XXXX, whom I purchased many digital passes for live events that never came to fruition, and then they went backrupt and they deprecated their platform as per an email XX/XX/XXXX, attached titled " XXXX - An update from XXXX ''. These charges, plus the interest accrued, are rightfully shown in my attached statement as credits titled " XXXX XXXX. View the charges now retroactively added back in the attached doc, XXXX XXXX XXXX XXXX XXXX 

I've tried every avenue available through the relevant departments. The fraud department points to the disputes department as responsible, and the disputes department points to the fraud departmenr as responsible. The disputes department said there was no further action I could take except to send a secure message through Chase online portal addressed to Chase Executive Offices. I did that and haven't heard back. Also, in order to further escalate I was told by the disputes department that a manager would call me within 24-48hr. This was two weeks ago and never heard back so yesterday I called again to followup and they apologized and said someone would call me withint 24-48hr again, I don't have confidence there, and nor did the rep on any resolution from whatever that call would be.
Product: Credit card

I filed a complaint XX/XX/XXXX with Wells Fargo benefits administration who works with XXXX surety company for a car rental damage claim that happened mid XXXX. I supplied all the necessary documentation ( see acknowledgement letter ) and it says I XXXX be asked to provide XXXX photos of the damage if available. I did not take any photos ( I was on my honeymoon ) and didnt know this was needed. I notified the card benefits company via email XX/XX/XXXX and XXXX, and called on XX/XX/XXXX and XXXX. Virginia surety was apparently in contact with XXXX of XXXX the rental car company and they also stated they have no photos to XXXX multiple times as well. There are no photos, and it says if available, so my claim should be approved. 

Please also note that my name changed this summer ( previously fisher, now XXXX )
Product: Vehicle loan or lease

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  days late.
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was in Wells Fargo XXXX modification program due to XXXX XXXX. I was approved in XX/XX/XXXX for repayment plan. Wells fargo delayed getting the documents to me but I received notification in XX/XX/XXXX and I started making payments of {$1000.00} and have not missed a payment or been late. Wells fargo later sent documents for me to have notarized and returned, I dont have the exact dates but I did, they sent another set of documents to sign and have notarized but it had my husband 's name included for signature. I objected because this loan was secured before we were married. They sent another set of documents with his name but it stated there was no liability on his part but Ohio is a state that requires the spouse be aware. My husband and I went to the bank and signed and notarized this set of documents and returned them via their XXXX  envelope. I informed Wells Fargo I was traveling out of the country in XXXX and to the best of my knowledge everything was signed sealed and delivered. I received a call in XX/XX/XXXX that they were cancelling my modification agreement because XXXX of my signatures was not legible so the redid my modification amount and my monthly payments are now {$1300.00}. I asked them to just let me resubmit that XXXX page, I have a tremor in my right hand to it was and error additionally the whole packet was notarized with was a witness that my husband and I had indeed signed. I explained I a a XXXX XXXX XXXX XXXX XXXX  on a fixed income and the increase was more that I can afford so please honor my original signed and notarized documents. I was told my time had expired so I either pay this additional amount or face foreclousure. Most of the delay was on Wells fargo 's part in originially sending the documents. I said this is totally inhumane and possibly illegal. I am asking for the right to honor the original signed and notarized documents so I won't be forced from my home at age XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified all three bureaus of inaccurate data reporting for the payment history on my credit file For XXXX  XXXX XXXX Account # XXXX. XXXX  saw they were reporting inconsistently and removed the error. Experian and XXXX  failed to do an actual investigation into the matter since they are still reporting data which isn't consistent which makes it inaccurate because they get the data from the furnisher. Experian is reporting a 30 day late in XX/XX/2020 and XXXX  is reporting a 30 day late in XXXX they both can't be accurate. While I am writing I should include the other inconsistencies as well The last payment reported for Experian is XX/XX/2020 with XXXX  saying XX/XX/2020.
Product: Debt collection

I have Sent several letter 's asking for GLA Collections to provide me with proof that the debt they are trying to collect is in fact mine, Made pursuant to the ( Fair Debt Collection Act and the ( Fair credit reporting Act ) First Letter 's were sent Certified Mail onXX/XX/XXXX allowing them 30 days to provide proof.. On the 31st day following no proof i preceded to send a second set of letters Certified as well Mailed on XX/XX/XXXX to be exact .. I have followed the Law as provided by ( FDCA, & FCRA ) I  have never done business with XXXX XXXX XXXX and the Fact remains they have not provided me proof and as far i can see Such as my signature .. The HIPPA Law has been broken as this company should not now or ever have any medical information on any test i may or may not have done. I would like for them to remove any negative / derogatory comments they have submitted to the collection agencies  as they are in violation of the FDCA/FCRA acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$47.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$1300.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$700.00} Open Date XX/XX/XXXX inquiries XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection, I am filling this complaint against Monthly Financing Company, Klarna and Debt Collector, XXXX XXXX XXXX for violating The Fair Credit Reporting Act, 15 U.S.C. 1681. In XX/XX/year>2022, I purchased a clothing item totaling {$220.00} from XXXX through Klarna. A month after, I contacted XXXX via telephone and requested information on the process to mail back the clothing item I purchased. I returned the item via mail and received a refund via store credit. My Klarna account was never properly updated or adjusted to the item being refunded. My debt card was still being processed through Klarna for months for an item that was not in my possession and retuned to the store. Months later, Klarna sold my account to a debt collector, XXXX XXXX XXXX for a debt that is non-existence or that was never in placed. I have attempted to resolve this matter with Klarna via telephone by contacting the Customer Service Department by the Klarna app and via email. I have been advised multiple times to to contact XXXX XXXX XXXX and pay off the debt to update my Klarna account. I am demanding for Klarna to be reported and shut down for violating the law and for fraudulent selling an account to a debt collector with no debt in place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Acct # XXXX Subject : Notice of Dispute and Intent to Pursue Civil Liability under 15 U.S.C. 1685 ( i ) and 15 U.S.C. 1681 Dear XXXX, XXXX, XXXX I am writing to formally dispute certain information in my credit report under 15 U.S.C. 1685 ( i ) and 15 U.S.C. 1681i, I have the right to dispute any information that I believe is inaccurate or incomplete. and notify you of potential civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). 


I found inaccuracies that I believe are in violation of the FCRA. The items in question are as follows : 1. The last activity reported is not consistent throughout the credit bureaus.

2. Vehicle was sold, no updated balance, is not consistent throughout the credit bureaus.

3. Times late not consistent throughout the credit bureaus.

Under the FCRA, This is grounds for removal. I am entitled to an accurate and complete credit report. Your failure to address and rectify these inaccuracies may constitute willful noncompliance, exposing you to civil liability as outlined in the Act.

I request that you conduct a thorough investigation into this matter and provide me with the results of your investigation within 30 days, as required by law. If you determine that the disputed information is inaccurate, please ensure that it is corrected or removed from my credit report.

Please confirm receipt of this letter, and I look forward to your prompt response to resolve this matter amicably. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I would like these collections removed from my credit report because I was never informed of them or billed for them in the first place. Also, the rule that CFPB has in place says that medical debts should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out several disputes to the credit bureaus and have yet to receive any correspondence or results. I do understand that with the pandemic there would be a delay in results but I didn't expect to receive none? Regardless of Covid they are lawfully still obliged to respond to my disputes. I have inaccurate items reporting on my credit that need to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to get through by phone, unable to find an email address even after extensive searching
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$40.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX  XX/XX/2021. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Rushmore my mortgage servicer mailed me a Proprietary Modification saying 1st trial payment due XX/XX/2019 amount XXXX. The escrows are incorrect because my Homeowner insurance monthly payment is incorrect. 
XXXX XXXX the relationship manager was contacted of the payment being incorrect because my homeowner insurance premium was reduced. per XXXX XXXX she was going to provide this information to the processor so my mortgage payment could be reduced and adjusted for the correct payment. 

See Attachments
Product: Mortgage

On XX/XX/XXXX, I submitted a Carrington Mortgage Assistance Application. On XX/XX/XXXX, Carrington Mortgage Services ( hereafter CMS ) sent me a letter indicating the application was COMPLETE. On XX/XX/XXXX, CMS asked for additional documentation via letter ( specifically 3 documents ). On XX/XX/XXXX, I supplied that documentation via email. On XX/XX/XXXX, CMS notified me via letter the application was INCOMPLETE ( although did not indicate what was lacking ). On XX/XX/XXXX, CMS cancelled the application via letter stating, Carrington did not receive all documents to complete loss mitigation review. You were sent a notification ( s ) outlining the specific timeframe you were required to send them to us. On XX/XX/XXXX, having sent all documentation requested by CMS, I asked via email for clarification on what documents were missing in order to complete the application. I also attached a copy of FHAs announcement of third foreclosure moratorium. I received no response to my inquiry. 

During this time period, I received Notice of Intent to Foreclose letters monthly, although I continued to pay my Principal and Interest timely. I did not pay the additional amounts listed on my Monthly Mortgage Statement because I disputed the escrow calculations and outstanding amount claimed when Carrington Mortgage inherited/took over my loan servicing. I believe I was only late on one Principal and Interest payment in XX/XX/XXXX. CMS accepted my Principal and Interest payments throughout XXXX. Though, reporting my account as late to the credit bureau. On XX/XX/XXXX, CMS sent me a letter returning my XX/XX/XXXX Principal and Interest check # XXXX, stating I must pay Total Amount Due and the funds must be CERTIFIED FUNDS ONLY. On XX/XX/XXXX, I sent my XXXX Principal and Interest payment to CMS. 

CMS insists I contact their office to make next payment arrangements. I dont want to be threatened, given ultimatums, or argue with customer service agents that have NO Property Interest in my home. CMS representatives WILL NOT HELP homeowners. Any interaction with CMS should be conducted in writing providing both parties documentation. Here, I assert my Mortgage Assistance Application was COMPLETE as of XX/XX/XXXX. The irrelevant and duplicative yet provided information CMS requested after-the-fact was not needed to process my application but instead required for purposes to stall/deny my timely request. ( I have the documents but I'm sure CMS has the same documentation. If CFPB needs any aforementioned documents please let me know )
Product: Debt collection

There have been several accounts that have been opened in my name fraudulently. The first account is as follows :  XXXX . The account number is  XXXX . The date the account was opened in  XX/XX/XXXX  in the amount of {$1200.00}. The next account is a   XXXX   account, which was opened in  XX/XX/XXXX  in the amount of {$300.00}. The account number is  XXXX . The last account that was fraudulently opened is  XXXX  account opened in  XX/XX/XXXX  in the amount of {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit and Reporting act XXXX account XXXX has violated my rights. This account has consistently reported several inaccuracies on reporting payments imcorrectly and account balances also being incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is reporting wrong and incorrect information. Unfortunately, and too much dismay, I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account is from XXXX XXXX with the account number XXXX is reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX is BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account immediately. 1. XXXX XXXX with the account number XXXX
Product: Credit card

I received a debt collector letter states I own them money from XXXX mastercard. However, I never apply and use this credit card before. I called debt collector, XXXX XXXX and XXXX XXXX and they do n't have any detail since they bought this debt. I called XXXX mastercard and they said they do n't have any detail either since they sold the debt.
Product: Checking or savings account

I had three fraudulent ATM withdrawals in another state totaling around XXXX $ upon filing the dispute on the last day when I was supposed to be refunded the representative told me my account will be closed in 35 days and my dispute is denied. How do atm withdrawls hours away from where I live mean I didnt safeguard my information this is insane!! I filed a police report and even went the extra mile to have it added to my disputes information
Product: Checking or savings account

In XXXX I noticed some charges to my account from a XXXX I do not use. We went through every expense and weeded out what was not mine. They refunded me the expenses while they investigated. XXXX weeks letter the money is all drafter again. I was told all charges were mins. This is a lie. I copied all transactions made from XXXX and none matched the charges made in my account. I purchased from a local XXXX that delivered food to my home. I have never purchased anything else but food. I want the money to be put back in my account. This is not the first time USAA does not do a through review before making a decision on behalf of a loyal customer
Product: Credit reporting or other personal consumer reports

Ive also contacted XXXX, Trans Union and XXXX regarding unauthorized inquiries due to identity theft. I have reporting documents, stating these facts all financial XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, merchant, credit bureau, XXXX, XXXX and etc. are all on authorized inquiries ive also called and sending information regarding updating my personal information and no respond back.