23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recieved a American Express gift card on my birthday, in XX/XX/year>. The gift card does not expire until XXXX. I tried using it everywhere. But it doesn't work, while American Express states it can be used on almost anything, especially main shopping sites like XXXX and XXXX. So it's now just sitting there collecting dust basically. It's making me think the gift cards are a waste of money. I don't know how I can use this gift card. I need help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I have disputed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX buyer reported my sold item and ebay charged my account XXXX for an XXXX  i sold in perfect conditions to buyer and he recieved it at right address.I never got my XXXX  back and they want to make me oay for something i sold correctly it isnt fair and i dont think this charge is correct. Please help. Thanks.
Product: Credit card or prepaid card

I opened a credit card account with Citi a few weeks ago. I recently attempted to make a large purchase, which was declined without explanation and my card was immediately locked. Citi representatives on the phone refused to unlock the card, claiming they could not verify my identity without sending a letter. I received the letter and called again to unlock the card. Despite being told that it was done, my card continued to be declined. I called Citi again and was told that they could not verify my identity to proceed since it was a " new call. '' ( I had disposed of the letter, having been told that the matter was settled. ) Being unsatisfied with the service, I asked to be transferred to cancellation. The cancellation department then refused to even talk with me since I could not be verified.
Product: Debt collection

I disputed fraudulent charges on my XXXX XXXX XXXX card in XXXX or XXXX of XXXX XXXX XXXX XXXX   stated that the charges were correct and were charged overseas and I had to pay them. Despite the fact that the charges were not mine, I paid them and I instructed XXXX XXXX XXXX to close my account. 

The account statement issued by XXXX XXXX XXXX for the period from XX/XX/2018 to XX/XX/2018, showed a credit balance on said account of ( $ XXXX ). As of the last day of such reported period, the account was permanently closed, XXXX XXXX XXXX had no right or authorization to accept any charges on my behalf on the account. 

The charges on my card clearly show that they have been made for services in the name of other people that are different from my name. I did not receive any product or service using XXXX XXXX XXXX card. XXXX XXXX XXXX should not have accepted any charges on a closed account. 

XXXX XXXX XXXX sold my account to XXXX XXXX XXXX. I complained to such entity. Thereafter, the account was sold to Sherman Originator III, and then sold to LVNV Funding LLC. Then, it was lastly sold to Resurgent Capital Services. 

I register my complaint against all such entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE this INACCURATE information from my credit report. 

ACCOUNT : XXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting Act, They have 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 instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I contacted Experian, XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XX/XX/XXXX I received updates from Experian in regards to the account XXXX XXXX XXXXXXXX XXXX Account # XXXX showing that it was REMOVED from my file. I also received letters from the other XXXX XXXX XXXX and XXXX along with a letter from the Creditor XXXX XXXXXXXX XXXX stating that the Fraudulent Accounts was REMOVED. Moving forward on XX/XX/XXXX while updating my information while receiving resources from the Human Trafficking Division in my state upon pulling my updated credit report I received from Experian we notice the account was added back to my file. Along with several other accounts that were previously REMOVED from my file. I have the PROOF that these accounts were REMOVED because I have the evidence of my results from Experian. Experian did not notify me that these accounts were reinserted back on my file nor did they send me a updated credit report. Upon seeing the information I immediately contacted Experian in which they started a new dispute. Now they are stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the account when Experian REMOVED the account at the Creditors Request as Fraud. I have since tried to contact Experian back in regards to the issues I'm having, but I have not been successful at a fair resolution. Experian is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX refuse to remove fraudulent acct from my profile when they have my supporting documents that I was a victim of Id theif
Product: Debt collection

I originally submitted a XXXX  complaint and did not know how to respond to Diversified 's response. I submitted the following complaint : " This was purportedly an unpaid gas bill from the XXXX XXXX XXXX. A notice of which was never sent to me. Regardless of the amount, XXXX was paid on XX/XX/XXXX. Diversified has updated the collection status to unpaid on my XXXX report greatly reducing my score and affecting my ability to get credit. 

Diversified then responded on XX/XX/XXXX below : " Dear XXXX XXXX XXXX : Thank you for the inquiry regarding the above-referenced consumer. Our office values the feedback of the consumers we serve and hope to reach an amicable resolution with the consumer and your office. 
I have reviewed our notes and the documentation provided by the consumer. The account was placed in our office for collection on XX/XX/XXXX with a balance of {$300.00} owing to **************** XXXX. On XX/XX/XXXX, we mailed the model validation notice to the consumer and said notice was not returned as undeliverable. The consumer made payment on this account on XX/XX/XXXX. 
We have correctly notified the credit bureaus that this account is paid. We have complied with all state and federal laws. '' However, the account remains on my XXXX credit report in violation of the FCRA. I recently submitted a dispute with XXXX about this account, ending in XXXX, and as of XX/XX/XXXX XXXX still reports the account as XXXX. 
Diversified is in violation of numerous federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company 's fraud department several times to report inaccurate information on my consumer report. According to 15USC CODE 1681C2 this is all I need to do when informing the credit reporting agencies of fraudulent accounts. XXXX, Transunion, and XXXX has VIOLATED my consumer rights by continuing to report this information. They have also broken the law, Under 15 U.S. Code 1681e ( b ) ( b ) the credit reporting agencies are supposed to report maximum accuracy on consumer reports. they are not following ensuring maximum accuracy at all. I am demanding deletion of all inaccurate accounts listed in my report as soon as the credit reporting agencies receive this notice. According to the Fact act these items shall be blocked within 4 days of receiving this notice, I, the consumer have notified XXXX, Transunion, and XXXX multiple times. I expect the items included in my identity theft report to be blocked asap or I will seek monetary damages for violating my rights as a consumer.. THIS IS A IDENITY THEFT PERSUANT TO FCRA 15 USC 1681 ( 3 ). I understand under 15 USC 1681 c 1 you have the authority to decline or rescind the information I am presenting to you was not blocked in error. The information I request is an affidavit in fact so there is no material misrepresentation of the fact this has been completed if you believe I have obtained goods and services I need a senior executive member of this company to put it on an affidavit signed under penalty and perjury notarized. I have included a copy of my id to prove my identity and act as proof of residency. I have also included a copy of my social security card for proof of my identity as well.
Product: Credit card or prepaid card

On XX/XX/2020 I booked an XXXX for XXXX. I agreed to make two payments on my Chase card, one on XX/XX/2020 and one on XX/XX/2020 ( a few weeks before check in ). On XX/XX/XXXX my card was charged XXXX. On XX/XX/XXXX, I got a notification that there was a price drop so I would be getting the difference of XXXX dollars. Instead of processing a refund, XXXX charged me XXXX dollars on XX/XX/2020. Months before I was supposed to be charged. XXXX is claiming they arent sure what happened. I think this is very convenient considering the fact that they just laid off 30 % of their workforce and are clearly strapped for cash. I did not offer to give XXXX an interest free loan but they are not processing any sort of refund on the fraudulent charge. Clearly this is a system error that they refuse to acknowledge! Please help. I have all the receipts and documentation you need!
Product: Credit reporting or other personal consumer reports

EXPERIAN CREDIT SERVICES is reporting Inquiries on my report dated XX/XX/XXXX that has not been authorized by me. Have tried numerous times to resolve this matter without any success. Contacted the Companies that are reporting and they have no record of the inquiry. 

INQUIRY from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I rented a car with Chase Travel forXX/XX/XXXX, in XXXX XXXX XXXX on XX/XX/2021, for {$360.00}. The dropoff time was changed, and a new reservation was issued, with a cost of {$410.00}, though this was never reflected in my credit card statement. On XX/XX/2021, the reservation was canceled ( with an official email from Chase Travel stating that the car reservation has been canceled ), and by Chase policy, since the reservation was canceled at least 24 hours before arrival, this should have resulted in a full refund. However, as of XX/XX/XXXX, the refund ( in this case, for {$360.00}, not {$410.00} ) has not been processed, despite multiple calls, multiple " reference numbers '' regarding the status of the investigation into the refund, etc. None of the people who I have called have been helpful in advancing or showing any progress in this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions. 

XXXX XXXX XXXX ACCOUNT # : XXXXXXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXXXXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # : XXXX
Product: Credit card or prepaid card

I had a trip planned and paid for with XXXX, which due to the COVID19 pandemic had to be cancelled. XXXX was having issues processing refunds ( up to 8 weeks ) so I filed dispute with Citi band as I did not feel I should be on the hook for this dollar amount for that long simply due to a billing issue. Citi reversed all but one charge. Citi has told me they received no push back from XXXX on this charge, that it " aged out '' without me responding. My issue : 1 ) letter was NOT issued on date it was dated and 2 ) I have called multiple times without resolution. Backdating documents is NOT ok, especially when you'll use them to then say an item has " aged out. '' Citi needs to reinstate the reversal.
Product: Checking or savings account

Chase Bank has been taking a long time to communicate with my payroll company. It is very frustrating that they are way behind on syncing my actual funds to other apps.
Product: Checking or savings account

I received an email from Wells Fargo on XX/XX/XXXX of XXXX informing me that they had decided to end their banking relationship with me for business reasons. I questioned what I had done wrong and felt bewildered and heartbroken. I phoned customer support right away, but no one there was willing to assist me or provide me any information about the circumstance. Later, I learned that my account was being closed by loss prevention, who had taken control of it and was terminating it later. 

Having remained a devoted Wells Fargo client since XXXX I wasnt expecting to be treated this way and certainly not without cause or prior notice. Although I recognize that banks are for-profit organizations and have the right to end their connections with customers at any time, I would have appreciated an explanation or perhaps some assistance. Sincerely believing that a mistake was made, I would like to request additional investigation on my behalf. 

I just read an article that indicated that some Well Fargo banking customers had their accounts closed without prior notice, despite some of them having been with the bank for 25 years or more. Another article stated that XXXX XXXX, a former fraud investigator for Wells Fargo, said the banks response to reports of some fraudulent activity was to simply close customers accounts instead of investigating what had happened. Instead of looking into fraud claims, the bank would instead save money by simply closing accounts under the pretext of a business decision. I firmly believe that I belong to the group of people who Wells Fargo has wronged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers 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 instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S. Code 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Product: Debt collection

They left 2 voicemails stating they had called from a debt collection agency without confirming any information of mine, which is a HIPPA violation. They also called me 2 times in 4 days.
Product: Debt collection

Subject : Formal Consumer Dispute Letter to the CFPD Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX, and I am writing to bring to your attention several violations of consumer protection laws by a collection agency, which have adversely affected my financial standing and consumer rights. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency in question has placed a collection on my consumer report without providing the necessary validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). This omission has caused significant distress and has a direct impact on my creditworthiness. 

Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process violates my rights as a consumer and undermines the fairness and accuracy of the information on my credit report.

Violation of Consumer Rights through Deceptive Means : The collection agency is engaging in practices that violate my consumer rights by employing false, misleading, and deceptive means. Such actions undermine the integrity of the credit reporting system and create an unfair advantage for the collection agency at the expense of my financial well-being.

Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) ) : The collection agency has furnished my account information to consumer reporting agencies without providing the necessary disclosures mandated by law. This clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further underscores the agency 's disregard for legal obligations and my rights as a consumer.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates these violations and takes appropriate action to rectify the situation. I believe that by addressing these issues, we can uphold the principles of fairness and consumer protection that are integral to a just financial system.

Thank you for your prompt attention to this matter. I am confident that your intervention will contribute to the resolution of these issues and the restoration of my consumer rights. 

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

n accordance with the fair credit reporting act XXXX XXXX account # XXXX amer XXXX account # XXXX XXXX account # 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 a account without my written instructions
Product: Credit card or prepaid card

OnXX/XX/2019 I had my First National Bank of Omaha bill in hand ( due XX/XX/19 ) and logged in to my account to get a current balance to pay off my account. The balance online was slightly higher than my statement balance, and I paid that balance in full. 8 days later I received a statement from First National Bank of Omaha stating I had a balance of {$110.00}. I called and asked what this amount was, and was told it was interest. I told the Rep I paid my " current balance '' as of the day I paid it off, so I asked the interest to be waived. The rep I spoke to told me First National Bank of Omaha bills interest 2 months behind, and that what was on my bill was legitimate and owed. I asked why and how they billed in that manner, she said they " just did. '' She offered to reverse any late fees I'd ever accrued, to which I replied, " I've NEVER been late! My account is in excellent standing! '' To which she replied " Then I can't help you. '' Every other credit card I have ever paid off has had the current balance available online, or has reversed any interest that hit after payoff. 
I paid the amount shown online as my total balance due. If I paid that balance, represented as " current '' ( which was higher than my statement ), there shouldn't be any high dollar surprise 8 days later. I feel First National Bank of Omaha has found a way to rip off customers by doing this " late '' billing of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

This debt was paid off and this was suppose to be remove from my credit and the national loan database.