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

I made over {$4000.00} worth of purchases from Home Depot in XX/XX/XXXX and was told we qualified for zero interest for 24 months. My wife and I planned the payment schedule so that we could pay off everything with the same monthly payment amount for 24 months. I checked the statements for the first few months and didn't see interest accruing. I didn't check back for a while and in XX/XX/XXXX found that well over {$1000.00} in interest had been accrued. I spoke to the Home Depot credit card management and they said the interest-free offer was only for 6 months, but when we signed up for the card we were told it was for 24 months. I spoke to a manager at Home Depot on Sunday, XX/XX/XXXX, who spoke to a customer service manager for the Home Depot Credit Card, who both agreed that this was wrong and that they would get all of the interest reversed. On Saturday, XX/XX/XXXX, I noticed none of the interest on my card had been reversed, so I called Home Depot and they told me that the interest wouldn't be reversed because I didn't communicate about the promotional offer lapsing in enough time for them to reverse it this despite a customer service manager previously telling me it would be reversed. So in order to avoid further interest being charged, I paid off the card in full on XX/XX/XXXX and called them back immediately to cancel my credit card and let them know I will never be a Home Depot customer again. If there is anything I can do to try to recoup some of that money and get refunded the interest, that would be appreciated, if not I understand. In any case, I feel it's important for Home Depot to be recognized as having clearly deceptive advertising practices that prey on average consumers who did nothing wrong and was paying more than the minimum amount on time every month.
Product: Credit card or prepaid card

I was approved for the NYS Excluded Worker 's Fund after being denied regular and Pandemic Unemployment. This comes after being out of work for over 14 months. XXXX Bank XXXX XXXX XXXX XXXX ) sent me a prepaid debit card and I used this card for several transactions related to work including paying overdue bills. I was reviewing my transactions online and noticed that over {$9000.00} was stolen off of my card from merchants in Illinois when I was in New York at the time each and every XXXX of the identity theft charges was made. I sent in the proper forms to XXXX Bank XXXX XXXX XXXX XXXX ) and was assigned Case Number XXXX. I was asked to file an Identity Theft Report which I did and sent in a copy to the XXXX. I also sent in additional evidence explicitly proving that my identity was stolen previously and numerous credit cards were opened in my name with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 

On XX/XX/2021, I received an email from the XXXX stating that my case was resolved and that I would receive another email with the status of the resolution. I was only credited back close to {$900.00} of the over {$9000.00} of fraudulent charges. I did not receive an additional email regarding the resolution. 

Since I was out of work for over 14 months and denied any XXXX related unemployment, approval from the NYS Excluded Worker 's Fund came as a much needed relief to My Family as well as myself. The funds that were stolen off of my card were going to be used to pay our late credit card and other monthly bills including our past due rent. 

I reported all of the fraudulent transactions within the time frame as set forth by applicable law including but not limited to reporting the identity theft charges on the card within 60 days. 

Under applicable law, I request that the XXXX provide me true copies of the documents which were used to investigate these matters.
Product: Checking or savings account

I requested a reasonable settlement offer from Wells Fargo for accounts opened in my name which I did not need or want, did not request. To date, Wells Fargo has made remedy offers which do not cover damages caused by said accounts. The remedy offers, which payment was not received, include amounts of {$3700.00} and subsequently, {$500.00}. Both amounts do not cover damages sustained to credit, ability to open accounts with other institutions. I've filled out several meditation request forms, sent in, no reasonable offer made to me. Failing to make reasonable offer and honor their prior remedy offers, I request Wells Fargo stop sending mediation request forms and provide an address to mail notice of lawsuit to. Most recently, I refused a XXXX package from Wells Fargo Mediation, tracking ID is XXXX. Package was sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX I suspect reason for non-receipt of payments prior is due to address change, payments may have gone to old address which I no longer live at. Further, I suspect Wells Fargo sent yet another mediation request form, in which case if filled out, will be denied as with prior ones. I have refused XXXX package as again, it appears to be yet another mediation request form.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see unauthorized inquiries on my credit report without any explanation. I regularly monitor my credit report, but this time there were discrepancies that seemed to appear out of nowhere. I tried refreshing the browser, hoping it was just a technical error, but the inquiries remained. I'm deeply disturbed by this and request that the documents I've provided be thoroughly checked so that I can avoid this kind of issue in the future.
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. 
XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Trans Union credit report XXXX XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC. 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I went to XXXX located at XXXX XXXX XXXX, XXXX, Florida XXXX to wire a {$320.00} payments money through Western Union to XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2024. Wester Union XXXX # XXXX XXXX XXXX alleged they never received payment from Wester Union and failed to post payment to my account. 

Western Union charges and was paid for a timely service that was not rendered. For almost two weeks XXXX XXXX alleged they did not receive my payment from Western Union. XXXX XXXX did not post the payment to my account until XX/XX/2024 ; After I reported both, XXXX  XXXX and Western Union to the Florida Attorney Generals office. 
. 
I do not know which company caused this UNFAIR AND DECEPTIVE DILEMA, FINANCIAL HARDSHIP, DENIAL IF ACCESS TO MEDICAL CARE/MEDICATION, DISAPPOINTMENT, STRESS, XXXX, AND VICTIMIZATION upon my family, but an investigation, exposure, and audit is needed. IT APPEARS BUSINESSES PRACTICING IN THE STATE OF FLORIDA HAVE BEEN GIVEN A PASS TO COMMIT BUSINESS CRIMES AGAINST CONSUMERS BLATANTLY, CONTINUOUSLY, AND WITHOUT ACCOUNTABILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, Equifax, TransUnion, and XXXXXXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported that I was 30-59 days late on my account. This is impossible because I set up auto-pay through their website. In XXXX of 2019, their system made a mistake and withdrew two payments from my bank account. One on the XX/XX/XXXX and the other on the XX/XX/XXXX. I only authorized one payment. When I called, the rep told me that their system made a mistake and they would credit my account. In XXXX of 2019, their system made the same mistake and withdrew two payments again from my bank account. One on theXX/XX/XXXX and the other on the XXXX of XXXX. I only authorized one payment. I called and the rep apologized again and said they would credit my account. This time the rep said they were going to cancel the autopay and asked me to set it up again. So later that day I set up the autopay. I noticed earlier this month that my account was late when checking my credit report. I called XXXX and they told me I needed to make a payment because I was late. I asked them how if I set up autopay. They told me to visit a branch. I went into a branch and made two payments, which they said I was late. Once again I asked how if I set up autopay. They told me I entered the wrong bank account number. This is impossible because I entered the same bank account that they withdrew the 4 payments out of ( 2 of which were unauthorized ). I explained to them that their system must have a made a mistake, since I experienced issues in the past. They said no I was wrong and that their system doesn't make mistakes, even though it did in the past. I never received a phone call, voicemail, or letter in the mail notifying of an issue with my account. When I asked them why, they said they did call. I asked them which number did they call and they gave me a number that has never been associated with me. I explained to them that this wasn't fair and I shouldn't be punished because of their system error. They told me oh well and their is nothing I can do about it.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute against TRANSUNION, EXPERIAN, AND EQUIFAX regarding multiple inaccurate and inconsistent reports of a closed account XXXX that is being reported differently across the three major credit bureaus. These errors are violating the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to my credit profile at a time when I am in the process of securing home financing. This account is closed, yet the three credit bureaus report different statuses : Equifax reports it as open, which is inaccurate. Experian correctly reports it as paid. TransUnion reports it as closed. The same account is being reported under different account numbers across the three credit bureaus, which is misleading and violates FCRA accuracy requirements. Equifax is reporting a XXXX XXXX monthly payment and a {$920.00} balance on a closed account, which is inaccurate. A closed account should reflect a {$0.00} balance and no monthly payment. The payment history for this account is inconsistent across the credit bureaus, further confirming data integrity issues in reporting. The multiple inaccuracies in this accounts reporting violate several provisions of federal consumer protection laws, including : 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Accuracy, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681c ( a ) ( 5 ) Improper Reporting of Closed Accounts,15 U.S.C . 1681i. Due to these multiple reporting errors, legal violations, and the financial harm this is causing,
Product: Debt collection

***I have just received this letter in the mail on XX/XX/2021 from Halsted Financial Services XXXX -It is strange to me they don't have my first name but has Home XXXX which is dated XX/XX/2021. This seems to be another fictious attempt to collect funds from me that is not valid.I am very Thankful to your company the Consumer Financial Protection Bureau for assistance in another case that was solved with your help. This company is claiming I owe {$690.00}. There are several account numbers listed.Their reference number for me is ( XXXX ) Original Creditor Account Number is ( XXXX ) and Current Creditor Account Number ( XXXX ) I don't understand how companies can get away with things like this. Thank You once again for taking the time to help consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, an account/credit card was fraudulently opened in my name at XXXX XXXX. I filed a dispute to have the account removed from my credit bureau. A few days later, after apparently little to no actual investigation into the matter, I was notified that Syncrony had reported back to the bureau that the account was valid. I have now read accounts on the internet from many other people saying that their disputes were treated with the same careless attitude by XXXX XXXX. I refuse to stand for having an account that I did not open showing on my bureau. If they needed more time to " investigate '', that's fine, but to come back so quickly claiming they validated the account that I know is fraudulent almost makes them complicit in the fraud.
Product: Debt collection

I received a notification in the mail from a company claiming they are collecting an unpaid bill of {$57.00}. I did not contact them directly b/c it seems so suspicious. This seems suspicious to me for several reasons.  ( 1 ) They seem to have my correct name and address, and yet no one has tried to contact me regarding paying this amount in the past. It " all of a sudden '' showed up as " delinquent. '' ( 2 ) I do  not recognize the name of the vendor with whom I supposedly did business and owe money  (   XXXX   XXXX   XXXX ? ) nor were there any dates or services provided . ( 3 )  There are three different names and addresses provided on the statement : "  Central Credit Services  '' out of   XXXX   XXXX  , Missouri and "  XXXX  '' out of Florida and a   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , PA  XXXX .
Product: Prepaid card

In late 2023, I purchased eight Vanilla Visa gift cards from different retailers and they were all compromised. In six cases, the funds were drained before I was able to use the cards. In two cases, the three digit code on the back of the card was removed. I was unable to get a balance. Incomm sent me eight new cards but at this point, I no longer need the cards and would prefer a refund of the card value plus activation fee. It's been months since I purchased the cards and I no longer need them. The cards involved were Incomm case numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. Equifax shows XX/XX/XXXX, and XXXX has XX/XX/XXXX and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : DEPTEDXX/XX/XXXXAccount # XXXX Account Name : US DEPT ED Account # : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX  # XXXX and XXXX XXXX # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. XXXX XXXX XXXX/XXXX
Product: Student loan

Federal loans for the XXXX XXXX  are in forbearance, but my loan balance with Advantage increases when I check the balance. I want the accrued interest to be re-evaluated because I was advised that no payments are due and no interest will accrue on my loans under forbearance.
Product: Money transfer, virtual currency, or money service

On, XX/XX/2021, a client of mine paid me via an ACH transfer via Square. They put a 4-day hold on it which is their normal operating procedure. On XX/XX/2021, I was informed via email that they deactivated my account and informed me they would hold any money in the account 90 days before they would release it. The amount they received from my client was {$120.00}. The only way they would let me resolve the issue was to issue the client a refund, which I did, and arrange for payment differently. Fortunately, my client paid me in a different method. I attempted on contacting Square.Com on the phone to no avail. When I finally did get through, I was not able to talk to a person, instead, I was inputting information into their phone system. I was informed that because they deactivated my account they would not put me through to anybody and that no other information was available. In short, I am a very dissatisfied customer and they delayed my ability to work for an entire day. This is unfair to me, my clients, and extremely unprofessional. I requested they contact me via email regarding this issue which they have refused to do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX -Has violated my rights XXXX-Account # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXX-Account # XXXX Has violated my rights XXXX-Account # XXXX Has violated my rights XXXX-Account # XXXX violated my rightXXXX XXXXAccount # 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 states a consumer reporting agency can not furnish an account without my written instruction.
Product: Student loan

I took out loans for a large sum to put XXXX children through college. Total loan amount was just under {$200000.00}. One day after paying on the loans for over a year, I noticed the balance at {$200000.00} and when I called they said that I was late on XXXX or XXXX payments. I challenged that fact and they said it was only a couple days each time, but it caused my interest rate to go up .25 % from the inception of the loan.
Product: Money transfer, virtual currency, or money service

My identity was stolen, after I learned of this I contacted all my financial institutions including PayPal. It was very hard to get a hold of someone to on the phone. Then because my account was stolen it was even harder to contact you guys over the internet. I left many messages to you all but never heard back. At one point I got ahold of someone and we went through all the money that had been taken unlawfully or fraudulently. A case was opened and in a short time after closed, not by me but Im assuming you all or the person who stole my account. At that same time I went in and verified some things for you all. I was let back into my account and I updated everything. At this time my bank account had already blocked this account from spending my money. I believe that should have been a red flag for you all. However it wasnt. My biggest concern now is that theres another bank account in my name thats being used on my account. If that is the truth then those are both fraudulent accounts. You guys have not talk to me since you will not return any of my phone calls you will not return any of my emails Im guessing you think I am the identity theft thief, but you couldnt be further from the truth. I am in fact XXXX XXXX. I have had this account for years like over 15 yrs, and Im so surprised you all didnt see the big change in the characteristics of spending money. I never had a small business as well, it was added by the person who stole my identity. I want to see my accounts spending for the past 8 years, as Ive been told it is about that long if not longer that this has been going on. Im needing your help to solve this, I cant do it alone. Thanks for reading Im hoping to hear back from you. The stolen account email is still being used, I begged yall to delete it in our one and only conversation, you said it would be done immediately but this was back in XXXX of last year 2020. I need answers and help with my account. There is not a good telephone number that you all can be reached at, as well as there is not a good way to get in touch with you unless you have a PayPal account. Im wondering if there is a number or a better way of communication that you all could give me. I have tried everything and you guys are just so hard so very hard to get a hold of by phone or email or any communication means. Thank you again for reading and I hope to hear from someone soon,
Product: Credit reporting or other personal consumer reports

THERE ARE BANKRUPTCY ACCOUNTS ON MY XXXX, EQUIFAX AND XXXX CREDIT RERPORT. THE SOURCE SAYS THAT THIS INFORMATION WAS OBTAINED FROM THE CLERK OF COURTS OFFICE. 
THAT IS NOT TRUE IM THAT THE CLERK OF COURTS DOES NOT PROVIDE INFORMATION TO ANYONE. 
THIS IS MISLEADING AND MISGUIDING AND INACCURATE INFORMATION AND NEEDS TO BE REMOVED FROM MY CREDIT RERPORTS ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX