23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have XXXX Amex gift cards : XXXX for {$200.00} and XXXX for {$50.00} each. I tried to pay my XXXX XXXX  using these cards, but none of the payments went through. When I checked the balance online, XXXX of the cards showed a declined transaction equal to the cards full balance, which I found unusual. 

I called Amex, and they explained that the payment was declined because XXXX requires a name and address to process the transaction, while my prepaid gift cards are anonymous. This surprised me since XXXX does accept Amex as a payment method. 

Whats even more puzzling is that XXXX sent XXXX small {$0.00} verification transaction holds to XXXX of the cards. Thus, XXXX of my {$50.00} cards now shows a balance of {$49.00} instead of {$50.00}. I was informed by Amexs representative that this hold will be removed on XX/XX/scrub>/2025, and Ill regain access to the full balance.
Product: Money transfer, virtual currency, or money service

To whom it may concern, My name is XXXX XXXX XXXX. I am in the United States XXXX. Im a XXXX in the XXXX. I have been in for 14 years. I recently was scammed by possibly two persons. One person is from the state of Florida. 

I was looking for a house rental here in Hawaii and I reached out to a person by the name of XXXX XXXX XXXX. The listing was located at XXXX XXXX XXXX XXXX. XXXX, XXXX Hawaii. The unit was fully furnished, and the rent was {$1600.00} with a security deposit of {$1500.00}. I was told the unit wasnt available for viewing until the XX/XX/XXXX. I was then told to send over the money via PayPal as a downpayment, but I was able to retrieve my money back in the event I was dissatisfied with the listing. I stupidly sent the money over, via PayPal as instructed ( totally {$3100.00} ). I then began wondering a lot more questions and became suspicious. Unfortunately, the money was already sent to the user. The money was sent to the owners/landlords ( XXXX XXXX XXXX, XXXX ), his daughter, XXXX XXXX. I was able to find information on XXXX. She lives at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I found a number on file as well : XXXX. The email associated with XXXX PayPal account is : XXXX. I wasnt able to find any information on the XXXX XXXX person. However, he has been emailing me constantly since I contacted PayPal to try to retrieve my money back. Unfortunately they said they were unable to assist me as when I sent the money using friends and family it voided the Buyer Protection. I contacted my bank XXXX XXXX XXXX to try to refund my money. The investigation is still pending. I have gathered enough information to go to the local police, however, since the information for XXXX XXXX says shes located in Florida, I wanted to also make a complaint/fraud report on her. 

I believe either XXXX or XXXX may also have a XXXX XX/XX/XXXX account, the information is as followed : Bank Name..XXXX XXXX Account Name..XXXX XXXX, XXXX Account Number..XXXX Routing number ... XXXX Acct type ... CheckingBank Address..XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX I have all the documentation to prove what I am talking about. 

Can someone from your department, please send me a confirmation email you received this notice? If you require any supporting documentation, I wont hesitate to send it over. 

I want this scammer to be stopped. I am currently out of {$3100.00} and have to wait for my next 2 paychecks to save up enough to find a place to rent. This has caused me a great financial hardship. 

If you need to contact me, my information is in the signature block. 

v/r XXXX XXXX XXXX XXXX, SC United States XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB and XXXX, I am writing to formally dispute inaccurate and incomplete information currently being reported on my credit file by XXXX. I have identified the below inaccurate, and I request an immediate investigation and correction of these errors in compliance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( XXXX ). 
Inaccurate Accounts : XXXX ( Account- XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Card ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX Collections : XXXX. XXXX XXXX ( Balance : $ XXXX ) According to the recent lawsuit filed by the CFPB against XXXX ( Case Number : XXXX ), XXXX has been found to violate its obligations under the FCRA and CFPA in multiple ways, including but not limited to : 1. Failing to conduct reasonable reinvestigations of consumer disputes as required by 15 U.S.C. 1681i.

2. Failing to forward all relevant dispute information and documentation to furnishers.

3. Providing consumers with confusing, ambiguous, and inadequate responses regarding dispute outcomes.

4. Failing to ensure maximum possible accuracy of information in consumer reports, as required under 15 U.S.C. 1681e ( b ). 

These systemic failures directly impact consumers like me, as these inaccuracies can result in credit denials, higher interest rates, or other financial harm. 

The inaccurate information I am disputing is as follows : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX XXXX ( Account- XXXX ) XXXX XXXXXXXX, XXXX ( XXXX : $ XXXX ) Under the FCRA, XXXX is required to : - Conduct a reasonable reinvestigation of my dispute within 30 days of receipt. 
- Notify the furnisher of the information and provide them with all relevant dispute documentation. 
- Correct or delete any inaccurate, incomplete, or unverifiable information. 

In addition, I request that XXXX comply with its obligations under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) and ensure that any deleted information is not reinserted into my credit file without proper notice. 

If XXXX fails to meet these obligations or rectify this issue, I will escalate my complaint and may pursue legal remedies under the FCRA and CFPA. 

CFPB, I request that your office investigate XXXX handling of my dispute, as their failure to comply with federal law indicates a pattern of systemic noncompliance. 

Please confirm receipt of this dispute letter and provide updates on your investigation and resolution within the timeline required by law. 

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX Mastercard account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've tried to contact XXXX and they were unable to locate this account.
Product: Mortgage

On XX/XX/2024 I made a payment to Rocket Mortgage, over the phone with a live representative. Unbeknownst to me the representative used the wrong checking number to process the payment. My husband and I only have one checking account number. I called Rocket Mortgage on XX/XX/2024 to see if the payment went through, XXXX they reassured me that the payment would go through. I called my bank on XXXX XXXX, XXXX, they said get the ach trace number from Rocket Mortgage. I called Rocket Mortgage and they could not supply me with that number. Then Rocket Mortgage realized they used the wrong checking number. We do not want to get a late payment because of this.
Product: Credit card or prepaid card

On XX/XX/XXXX, when paying my credit card online I accidentally added a XXXX, paying {$30000.00} rather than the intended {$3000.00}. This was in excess by about {$24000.00} to what I owed and twice my credit limit on the card. I called Bank of America to request a refund on XX/XX/XXXX. They said they would issue a refund within 6-7 days. No refund was issued in that time. On XX/XX/XXXX I called Bank of America again and was assured that the refund of {$27000.00} ( the over payment amount ) would be made by XX/XX/XXXX at the absolute latest. No refund was issued. I called again on XX/XX/XXXX. I was told the refund was not being processed because Bank of America wanted proof from me that the money was taken out of my account ( i.e., they wanted me to provide a bank statement before they would process a refund ). Bank of America made no efforts to contact me in this time with this request for verification and simply did nothing until I called third time and insisted that some thing be done. I was made to fax in my bank account statement to prove that the money was sent to Bank of America and that I was not refunded. I have now been told the request for a refund will be expedited and refund will be issued in 24-48 hours, but they also said it might be 6-7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 XXXX XXXX XXXX  credit card accounts, both were closed by XXXX XXXX and referred to 2 different 3rd party collection agencies in XXXX, even though I had informed company I had been a victim of XXXX employment loss. I am in current repayment status for the account with an original amount of {$1600.00} as a credit line. The company I am in repayment status with is XXXX XXXX XXXX. I have been paying {$50.00} per month since XX/XX/XXXX and have not missed a single payment. In XX/XX/XXXX, I found that an email had been sent to me indicating that another company XXXX had assimilated another account of mine in the amount of {$1000.00}, and XXXX XXXX XXXX  had no further ownership of either accounts. My credit score in XX/XX/XXXX suffered a score loss of XXXX points from all XXXX bureaus and despite repeated disputes, XXXX XXXX is still showing that I have missed 2-3 payments on an account they no longer own. Due to this, my score has dropped so far I am unable to take out a debt consolidation loan to clear my outstanding debts. I have called XXXX XXXX, Experian, submitted disputes to Experian, XXXX, and XXXX, all to no avail.
Product: Mortgage

I started the mortgage process with XXXX and went through the entire process up to closing. During the final stages before closing, we discussed two rate options on XX/XX/XXXX at XXXXXXXX XXXX. : 5.99 % and 6.875 %. After learning that the lower rate increased closing costs, I agreed that 5.99 % was the better option. XXXX then sent me an email at XXXX XXXX. with a price breakdown I assumed was for the 5.99 % rate, as we did not discuss reviewing the other rate as I did not choose it. This breakdown showed an origination fee of {$1800.00}, which we had discussed during our phone call. However, I was confused when the closing costs totaled {$12000.00} on a {$240000.00} loan, about 5.2 %. I thought this was high and noticed some fees that didn't make sense, but reluctantly agreed due to a lack of alternatives. 

On XX/XX/XXXX, I received documents and reviewed them on XX/XX/XXXX. I noticed that the origination fee had increased to {$5100.00} and overall closing costs had risen to {$15000.00}, 6.5 % of the loan. When I questioned XXXX about this increase, he explained it was due to the cost of the lower interest rate. I pointed out that the price breakdown emailed on XX/XX/XXXX at XXXXXXXX XXXX. I assumed only reflected the 5.99 % rate, as that was the rate we agreed upon. I questioned why I received an incorrect price breakdown for the 6.875 % while not receiving the 5.99 % pricing estimate until right at signing. Despite multiple requests to negotiate the fees, XXXX has indicated that this is just the policy and there is nothing that can be done.
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. 
They are fraudulently letting Jefferson Capital SYST XXXX report a fraudulent account on my credit profile. 
I have never heard of this company, nor should they have any information of mines. I was suspicious so I looked this company up on my Secretary of State website and seen that they arent even licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. Im asking you to enforce the laws on XXXX for failure to investigate as Im a federally protected consumer. I will also be reporting both XXXX and Jefferson Capital SYST to the IRS filing out form 3949 -A information referral for unreported income since XXXX gets paid from this company and this company isnt licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that Jefferson Capital SYST isnt allowed to do business in my state. If the account isnt removed in 30 days, XXXX also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lenders and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I havent been able to sleep at night due to the finally and emotional harm these 2 companies has caused. I know that Jefferson Capital SYST pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

The co-owner of an auto loan with Gateway One Lending & Finance filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX to XXXX which is how I found out that Gateway incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor attempted to pull my credit report but was to do so because there a block on my cr edit report placed by Equifax. Additionally, I was unable to pull my credit report through the Equifax Complete Premier Plan to which I subscribe and pay a monthly fee. This is an ongoing problem for me with Equifax . This issue is known to them as I see several.
Product: Debt collection

I was treated a XXXX XXXX XXXX on XXXX. I gave my insurance information, but the hospital billed the wrong insurance plan. I called the hospital on XX/XX/24 and spoke to XXXX at XXXX after XXXX received an EOB from the wrong insurance company. I gave the rep the correct insurance information. I did not receive a bill from XXXX Ever. I got a call from a collection agency XXXX XXXX XXXX XXXX. They would not verify who the bill was from and would not provide who the client was. XXXX XXXX XXXX sent me a bill for {$1200.00}. XXXX sent me to a collection agency without even sending me XXXX single statement. They never called me. I would like XXXX XXXX to send me a proper statement and remove me from this XXXX agency. 

Thank You
Product: Credit reporting or other personal consumer reports

I applied for an XXXX XXXX Credit Card on XX/XX/2024 I got an adverse action letter XX/XX/2024 I responded to XXXX XXXX XXXX XXXX on XX/XX/2024 wondering why I am being denied credit for this consumer transaction under the equal credit opportunity act this is discrimination and under the fair credit reporting act as well the information reported on my credit report was not consented too and was inaccurate and negatively affected my credit report.

15 usc 1602 15 usc 1611
Product: Checking or savings account

On XX/XX/2018 there were multiple transaction occur on my Bank Of Emerica Account. There were two transaction went thru : {$1000.00} cash withdraw at ATM at XXXX XXXX XXXX Illinois {$380.00} purchase at XXXX XXXX ( XXXX XXXX ) I was at work at XXXX Texas at the time. I call the bank and went to bank of America to close and withdraw all money remain on my account. After that I submited claim and file police reports multiple time but got denied. I event submit Police report but still have no money refund to me until now
Product: Money transfers

We have been trying to sell our motorcycle and we had someone respond to the add. They said they would send the money via XXXX, but they needed to have the bike shipped to them. They were paying for shipping. Then they sent us a text saying that the shipper was messing with them and they needed us to send the shipper {$1100.00} for the shipping fee and he would add this amount on the the price of the bike. So we did send a money gram. Then the next day same story, shipper messing with him and now they need {$1600.00} for insurance, and he would send us the money via XXXX. He wanted us to send another money gram. We went and sent the money, and then came home and sent the email from him to our XXXX account rep and asked if this was legit. They sent us an email back saying it was a scam. We promptly went back to Walmart and cancelled the {$1600.00} money gram. So we got our money back from that one. But the {$1100.00} is still gone. Now he is sending us an email stating it is from XXXX saying that he has reported us to the FBI as a scam. He is using XXXX email information and a shipping company called XXXX. We have tried to contact the shipping company via email, and the email comes back as non deliverable.
Product: Student loan

I requested due to Covid-19 and being the only income for my home I couldnt get these late overdue payments removed from my credit. I tried to defer but as the only income MOHELA  wont remove these. Id like them removed so I can improve my credit.
Product: Mortgage

I have submitted an application for hardship concerning my mortgage loan and Midland mortgage will not accept my application.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX agency put a collection account on my credit file without notifying me or anything. I have no idea where this debt came from. It is a phantom account. I wrote this collection agency and asked them to validate this account and where it came from. They have not responded to me and are still reporting it on my credit. it has now been 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I see that many items were erroneous. The 3 credit bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items below : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card

BANK OF AMERICA CORPORATION Has taken an adverse action against me. 
Letter I sent them : Notice to agent is notice to principal Notice to principal is notice to agent Im pursuing to 15 U.S Code 1602 ( l ) The term credit card was used to initiate the consumer credit transaction the term credit card as I mention means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I am the card holder and holder in due course. So in pursuing to 15 U.S Code 1602 ( n ) I am the one who came in with the credit card to initiate the transaction it is not possible to get denied with something that I came in with. The term adverse action never mentions anything to do with a consumer getting denied credit because it is impossible to get denied something in which I am granting to your corporation the right to extend credit. So in pursuing to 15 U.S Code 1602 ( f ) the term credit means the right granted by a creditor to a debtor to defer payments of debt or to incur debt and defer its payments. Credit is my right and i am the one who regularly extends credit in the connection with loans in pursuing to 15 U.S 1602 ( g ) I am the original creditor and I am well aware of my rights. I know that reporting to consumer reporting agencies is voluntary. This is a private transaction and this is an unfavorable situation to me for the consumer no where in the term adverse action defined within the FCRA does it mention that a natural person get can be denied credit. As an original creditor it is not lawful to be denied my right to grant credit. Further more my credit was used and I received no benefit from the use of my credit. An inquiry popped up on my consumer report which is a receivable transaction meaning someone got paid off my credit I received no benefit from it at all. In fact damages were done from the denial of my rights mentally and financially. The term authorized use, as used in section 1643 of this title means a use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority or such use and from which the cardholder receives no benefit. Ive been discriminated against as there is no federal laws that state a credit score can deny me of my right to extend credit. I have in good faith exercise my right and I the natural person have been discriminated against in pursuant to 15 U.S 1691 ( a ). It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. For the damages that have been done to my mental distress and financial reputation as I take my consumer report and life seriously. I will take this to a federal level if my request to open the accounts in which adverse action has taken place. I am aware of my open end credit plan my right to contract unlimited without being denied. I demand your company reinvestigate this matter and abide by federal law and open up the accounts in which I have extended credit and correct any adverse action taken on my consumer report.