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

During 2021 I received a monthly statement for my Comenity Bank VISA card that showed a {$290.00} charge I did not authorize. I called the bank to report this unknown charge and was told to send a written dispute. I wrote a dispute letter and received a letter saying that a merchant who had my card number submitted the charge for a recurring membership fee. I don't want or need this membership and I called the merchant. They cancelled my membership, but prorated their refund because it took the bank 3 months to respond to my dispute. I again wrote to the bank saying that I raised the issue of an unauthorized charge as soon as I first saw it on my statement and I am not paying for it. Now, a year later, the bank is still sending me daily phone messages asking for payment. I have written them saying that I am not obligated to pay since they ignored my initial report of this charge not authorized by me and instead they paid the merchant.
Product: Credit reporting or other personal consumer reports

Credit reporting traunion Exsperian Has made it harder for people to get ahead my credit scores also reports .notice problems XXXX relocated 4 years ago to area we're everyone must have, Credit score ratein XXXX and above all my nieborhood homes owners business owners nor veterans. I have paid accounts l not bein late and reported using Attached my bank to credit XXXX XXXX notice my scores don't change.whenever l get close nor my husband l notice always reason for credit scores drop, my score hasn't reached. No higher XXXX then notice any reason it dropped. .. which has made it harder to get a head ito XXXX any credit XXXX  have sent in all information for updates. Disputes for over XXXX XXXX XXXX. stil No change ... Showing on credit scores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid for changes credit scores. Requested companies be
Product: Checking or savings account

I sold my house ( using a law firm ) on XX/XX/year> and received my payment same day via wire transfer to my Truist checking account. I immediately started spending a lot of my money on debts and goods online using my Truist debit card and bank account. I got a fraud notification which I expected and got in contact with the Truist fraud department and told them what was happening, proved my identity, and everything was cleared. The fallowing day I tried to spend my money again and was again flagged. I spoke to another representative and proved my identity and was once again cleared. Later I went to use my Truist debit card at a store and it was declined. I called Truist again and they said they unfroze my card, but they did not. I called again and was told my debit card and bank was frozen and they have to investigate. I asked many times what the time frame was and what I could do. They said they can not tell me a time frame and they can not help me. I called again, they said it was clear, it was not. I called one more time and was told they can not tell me anything and to go to my local branch, which I did. I gave them my ID, Social Security card, birth certificate, and half a dozen more forms of ID. The gentleman was very helpful and said I have plenty of ID to know it's not fraudulent. Unfortunately, he was given the same runaround as me. No mention of time frame of resolution. No contact given. Nothing. I have no access to my money. No one can help me figure out when and is offering me no solution. I can not get gas, food, or pay bills. I can not get cash or anything. I'm left in the dark with no explanation and locked out of 100 % of my money.
Product: Credit card

Without fail, I've maintained punctual payments on this account, preventing any instances of lateness. The origin of reports regarding late payment remarks on my accounts remains unclear to me. Reference to 15 USC 1666b - Billing Error suggests the need for correction.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancias my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

This matter is regarding a fraud we had on our account. A total purchases of {$4500.00} for XXXX. XXXX confirms it is a fraud. During COVID-19,  we noticed immediately that our account had non stop purchases, we tried calling Chase over and over again and were waiting on the line for more than 2 hours every time while trying to call simultaneously to XXXX to check those charges. XXXX was closed and we could not get a hold on anyone and to get a hold on the bank was impossible, after 10 straight days of trying, we got a hold on XXXX that confirmed it was indeed a fraud and got a hold on chase too to report a claim, XXXX our debit card and issue a refund. Chase gave us a refund in the beginning but than after 30 days they charged us again claiming : lack of care! We can submit all paper work you need, we will also file a police report too. It seems like Chase does not intend to cover this matter, and its their obligation to do so, thats the basis on banking that no one card use our account wrongfully and we will be the ones to pay for something that was under their responsibility. They should protect our money, otherwise why would I have my money in a bank account if everyone case use it and its not protected. Please help us. 
The amount and the date of the transactions as they occurred : XXXX 6 Transaction XXXX 4 Transaction XX/XX/2020 - 2 Transaction XXXX 11 Transaction XXXX 4 Transaction XXXX 9 Transaction XXXX 10 Transaction XXXX 20 Transaction It seems like Chase had a glitch or something had occurred that revealed our account information. How could they allow for something like that to happen without blocking the account immediately? The amount of transactions is beyond normal. And after all of that, no customer care, that needs to protect our money and keep it save. This is a disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX XXXX 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Product: Credit card or prepaid card

My wife and I have a credit card account with Citibank. In fact there are two accounts with them. This month my wife and I both submitted payments in the amount of {$370.00}. She made a payment on the XX/XX/XXXX and I made one on the XX/XX/XXXX. It is quite obvious that this is a mistake since both payments were in the exact same amount and also made one day apart. There was no notification that a payment had previously been scheduled. When I tried to have this corrected by Citibank I was given the run around. Transferred to numerous different people in different departments. They informed me that they needed to speak to my bank and I was not able complete what they needed because I am currently out of town on business and do not have access to all of the information I needed to allow my bank to give them the information they needed. This is a very simple mistake and they should simply correct it. They are purposefully making this difficult for no reason.
Product: Money transfer, virtual currency, or money service

Cash app wrongfully restricted my account. Charged me fees and did not have phone support for me to contact which is required.
Product: Checking or savings account

I purchased some fireworks from XXXX XXXX on XX/XX/2019. 
Their was an issue with the mailing my order to my home due to the fact that they were hazardous, so I tried to change the address. After waiting several week, calling multiple times and emailing the company just to get bo response and no answers, the mailing Company told me that my order was sent back to XXXX XXXX!!! I called XXXX XXXX and finally got an answer, I asked " why hasn't anyone called me or emailed me about my order being sent back " and their response was " we thought you forgot ''!!! After all the frustration I had built up inside I still maintained my professionalism. I asked first if I could get my refund and they replied that " they don't think they can, because they don't keep their history of payments from customers ". Then I asked if they could send it back ... ..A year later I still haven't received ANYTHING!!!!! O just want my {$530.00} back!!!! I would like my {$530.00}, I spoke to the receptionist and the manager, and nothing has happened. I called multiple times, emailed yall multiple times and haven't got any response!!! I need my money back!!! The fireworks haven't been sent ... I haven't touched the box ... nothing!!! I don't want the fireworks just give me my money, THAT'S IT!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX And XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Request for Investigation of inaccurate information stating that I had late payments. 

To whom it may concern : I am writing to dispute the erroneous reporting of a late payment on my credit report. 
I contacted the following creditor as listed on my report 1XXXX is reporting that I made a late payment to XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX is reporting that I made a late payment to XXXX XXXX XXXX on XX/XX/XXXX. XXXX is reporting that I made a late payment to XXXX XXXX XXXX on If you find that my claim is true and that I did not make a late payment in the months stated above. I am requesting that those late payments be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 
This is a request for you to investigate the following " Unverified '' account listed above and below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 in accordance with the federal protection act these companys and creditors violated my rights. your company is required by federal law to verify this inaccurate once I notified them that credit report was in error to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original bank check with my Signature and date on it ) that you used to verify that the the late payment after I contacted you about this error. My payment was never late as I explain to you was I contacted you. Your failure to properly verify these reported late payments has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
If you find that the late payments are valid please send me proof, along with the description of your investigation procedures within 15 days of the closure of this dispute. Thank you in advance for your assistance with this matter. 

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

I sent certified letter to validate a debt with XXXX XXXX on XX/XX/2020. After 30 days I didnt receive an response from them so I dispute it with Experian on XX/XX/XXXX and sent proof of my receipt! They after a few weeks said it was verified as correct and would stay on my. I called today and got the runaround with getting hung up on acting as if cant hear me transfers then I spoke with an agent who was professional yet rude and unhelpful and in so many words said they wouldnt take it off my credit report and cant provide me with information they verified as correct to keep on report! Im at a lost I followed protocol but neither will do anything to help! Ive had full financial assistance from hospital stays so I need proof of where and the debt is???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX, and XXXX XXXX XXXX   XXXX  XXXX accounts for months. Equifax also 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 erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit card or prepaid card

Cash app is not disputing a charge of {$200.00} dollars from freeway insurance that was fraudulent I have the California department of insurance going after freeway insurance for ripping me off the case number is XXXX, basically I was charged XXXX dollars for a policy that was canceled unbeknownst to me I wasnt told the day I called to pay the money it wasnt till the next day when I callled again that I was told it was canceled and that I would I have to pay another XXXX dollars for a new policy and when I asked to talk to the management I was hung up on or forwarded to a survey and could XXXX get anybody to talk to me cash app is denying the dispute XXXX dollars is a lot of mo XXXX for me right now and now I cant afford to get my truck registered so I can drive to work this is t right what freeway insurance did and cash app is allowing g it happen, and I have no documents just screen shots from cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate information on my credit report, which I brought to the attention of Experian on XX/XX/XXXX. Despite the considerable time that has passed, Experian has failed to respond or rectify the following discrepancies. I kindly request your intervention in addressing this matter. 


XXXX XXXX XXXX  Account Date Opened : XX/XX/XXXX Balance : {$1500.00} Experian is reporting inaccurate information for the XXXX XXXX XXXX account. The original creditor for this account is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX. I have never had any contractual relationship with XXXX XXXX XXXX nor been contacted by them. Furthermore, the reported balance of {$1500.00} is different from the amount I believe I owe. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 

XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$3800.00} The information presented for the XXXX XXXX XXXX account is also incorrect. The original creditor for this account is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX. Experian provides erroneous information about the balance, reporting it as {$3800.00}, which is different from the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 

XXXX Account Date Opened : XX/XX/XXXX Balance : {$4000.00} Experian inaccurately reports data for the XXXX account. I am uncertain about the accuracy of the reported balance of {$4000.00}, as it exceeds the amount I recall owing. The account is indicated as closed and charged-off, and therefore the Past Due amount should not be provided. I will clarify this matter with the creditor. Meanwhile, I request that Experian mark this account as disputed to prevent further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 

XXXX XXXX  XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} The XXXX XXXX XXXX account listed on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} The XXXX account indicated on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} The XXXX account listed on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$240.00} The XXXX account indicated on my credit report has never been late. Please correct and update this inaccurate information accordingly.
Product: Credit card

* On XX/XX/XXXX a new address appeared on my credit report * On XX/XX/XXXX a new name appeared on my credit report * On XX/XX/XXXX there was a credit inquiry reported by Cbna/thd ( the home depot XXXX XXXX On XX/XX/XXXX, XXXX new account was officially reported, credit line of {$6000.00} * On XX/XX/XXXX a delinquent account was reported in the amount of {$2900.00} * On XX/XX/XXXX a delinquent account was reported by The Home Depot/CBNA * XXXX XXXX XXXX  XX/XX/XXXX I checked my Lifelock account and disputed XXXX new account * On XX/XX/XXXX we called The Home Depot to dispute XXXX account * On XX/XX/XXXX The Home Depot began an XXXX XXXX On XX/XX/XXXX The Home Depot sent me a letter saying the account was closed * On XX/XX/XXXX a credit amount decrease of {$6000.00} was reported * On XX/XX/XXXX a fraud alert was reported by XXXX * On XX/XX/XXXX The Home Depot sent me a letter saying the account is still under investigation * On XX/XX/XXXX I filed a police report with XXXX XXXX Police Department
Product: Debt collection

Bank of America started increasing my interest rates drastically after I closed my account in XXXX of 2020. The reason I closed my account was due to the interest over XXXX and the payment was XXXX I ask them why did they increase the interest rate that was already at XXXX and I was paying on time and they gave me no answer. The lady that spoke to me said, just increase your payment. I told her I am unable to increase my payment due to me being on Social security. Because I wasn't able to pay that amount with an additional XXXX in fees, they have started harassing me everyday in the morning and in the evening after XXXX. With that amount I was paying for interest and fees only. Nothing going to the principal. Now they are saying, I will sue you. For what? just because I am unable to pay their high interest rates and fees? Nothing going to the principal? 
Another credit card company that I have quickly put me into a program where they lowered the payment and didn't charge any fees. They understand my situation and they take the payment out monthly. Now I am almost finish paying for that card.
Product: Money transfer, virtual currency, or money service

The fraudulent seller XXXX  *never* sent me my ticket after I paid the {$77.00} through PayPal. Due to Paypal 's consistent lack of intention to resolve the case of a fraud. PayPal explained that this was money sent to a friend, so I could not refund this even though I didn't receive the ticket. But, this transaction through the phone app at the time I was told by the scammer XXXX  - on the PayPal app, it was the only option I could- to check the box to send it the way the seller instructed verbatim. Even after wards, I felt uncomfortable and immediately called PayPal within the same minute, which PayPal has on file. PayPal never considered that this was fraud even though I explained the entire situation and text, numerous times. I called twice within the hour, and after called PayPal to at least 4-5 different times plus sent two letters sent to PayPal headquarters. 
I contacted them about on XX/XX/2019 but they didn't follow up on my response and promise that I would get my refund. Instead, they never refunded me. On the PayPal Resolution Center, the case was deemed closed. 
My PayPal account is under email XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I submitted XXXX disputes through Experian to XXXX different companies ( XXXX XXXX XXXX  ), ( XXXX XXXX ), ( XXXX ). These accounts have been written off, I never received a tax form for either companies and they still have not remove nor deleted these accounts. The investigation did not take 30 days. Ive been trying for years to get XXXX XXXX XXXX and XXXX XXXX off of my credit report through all 3 credit agencies due to accounts being written off on taxes but are still having an amount owed.
Product: Mortgage

XX/XX/XXXX, I had emergency surgery, I was out of work for weeks. My mortgage is with HSBC. I applied for a loan mod and was denied. my interest rate is 9.8 %. I refinanced with HSBC in XX/XX/XXXX and they told me to make my payments on time for a year and then they would refinance me. One year later I called them to refinance and their response was, that in XX/XX/XXXX they closed all of their offices except the main office, and they were not doing any loans. They knew this, when I refinanced with them in XX/XX/XXXX, in other words they told me a bare faced lie! Now i 'm XXXX and am self-employed and I do n't want to lose my home, but am strapped tight. When I had my surgery, I lost a customer and have n't been able to replace them. My payment with HSBC is {$140000.00} a month. I need help and I could afford a lower payment and meet all my other bills and needs. I have called every finance company possible and they all tell me the same thing my debt ratio is too low. My credit score is fair. I feel that something needs to be done about HSBC. It seems like they would n't want me to foreclose and work with me and their other customers, instead of losing money. I checked on HSBC and their are a lot of scams that they have done to many of their customers. I just do n't understand how they can continue to get by with this. I cant apply for the HARP program because my loan is n't owned by XXXX or XXXX. The economy is going up all the time and I need help! Thanks, XXXX XXXX