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

I received a letter in the mail in  XX/XX/XXXX . It stated I was one of the lucky winners selected by VISA, MASTERCARD, and   XXXX   XXXX  . My share of the winnings would be 3,500,000.00. It asked me to contact my agent   XXXX   XXXX   XXXX   at  XXXX  for my method of payment, Once I contacted the agent he would advise me how to claim my winnings. When I talked to him he said take {$10000.00} on my credit card with my checking account at Bank of America. I told him I had to pay {$140.00} which he said forget that and to go to the   XXXX   XXXX   and buy laptops with the number  XXXX /  XXXX   XXXX   XXXX  r,   XXXX   XXXX  .
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He told me that the IRS would be sending me papers for tax purposes but I never did receive any. He called me on Saturday and said I would get my money by Monday. I never got the money and he said he would call and never did. He put wire money on  XX/XX/XXXX  for {$9900.00} and on 09/09/16 for {$9900.00} and on XX/XX/XXXX for {$9900.00}. On  XX/XX/XXXX  all three amounts bounced and returned unpaid according to Bank of America.
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I have a Lawyer at LegalShield and his name is   XXXX   XXXX   Phone #   XXXX  .
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I have to pay back {$30000.00} and I am making {$530.00} a month payments which I ca n't afford. I feel they should have gone after the person who did this to me. Also it seems I should have been coverd by fraud insurance through Bank of America. I did not realized at the time I was being scammed and the Bank of slow at letting me know a month and a half later. My   XXXX   XXXX   Credit Card was closed and checking account closed at the bank and I started a new Checking Account with Bank of America.
I feel I was ripped off all the way around by the Bank as well as credit card companies and everyone was slow at keeping me informed. I would call the bank and go over things but I do n't believe I should owe {$30000.00}. I am retired and on a fixed income and if I can not afford to pay all this may have to declare Bankruptcy.
Product: Bank account or service

I was automatically signed up for a mileage account when I opened a HELOC. Since I did n't want to pay the {$30.00} fee, I closed out my XXXX account in 2008. I was refunded the {$30.00} fee. My account was charged the fee again the following year. I wrote letters, called my loan officer and customer service 800 numbers. No one listened. As a result my overdraft account has snow balled as fees and penalties keep being added to a fee that should have NEVER been there. My overdraft protection should be at zero, and I should have a positive balance in my bank account, because I pay {$97.00} a month, while my bill is {$96.00}. 

Bureau of CFP, please do n't reward Key Bank 's customer no service for failing to listen to me, then stealing my $ by adding fees and interest due to their incompetence. 

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

Despite being notified by XXXX and mailing my official identification, Equifax continues and is happy to report a fraudulent hard inquiry on my credit report.
Product: Credit card or prepaid card

I have had multiple personal and business accounts with american express for nearly ten years. I have never once not paid the balance in full before the due date. Given my flawless account history I have over a {$300000.00} line of credit with them. They have recently locked my accounts to do a risk review. I provided my tax returns showing healthy income and offered to submit my business returns which show 10 million plus in revenue. They said they only want the personal returns. 12 days later they permanently canceled all of my cards. They did not give me a suitable explanation besides that I was linked to another card holder who had a delinquent account. This additional card holder works for me a few hours a week, and I got him a card to purchase some basic office supplies once a week. I was not aware this account holder ever had financial issues with american express. As a result of this all of my accounts were shut down. American express refused to issue my points that were on the most recent statements which totaled over 200,000 points, in addition they refused to refund all of my membership fees totaling over {$1000.00}, and they demanded I transfer all of my points out of my account same day with resulted in a major financial loss. In addition I relied on this card for all of my business spending and now my business is crippled and can not be repaired for many months. I believe this level of bullying from corporate America is unjust and unfair to a small business owner. All assistance it appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. 

These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022XXXX XXXX XXXX Inquired on XX/XX/2022, US SM BUS ADMIN XXXX  Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX on XX/XX/2022.
Product: Credit card or prepaid card

A call was received by my daughter XX/XX/XXXX to confirm the opening of a credit card. My daughter stated she knew nothing about this and was given a phone number to give to me to call and confirm that I was applying for the credit card. I received the call from my daughter and was given a 1800 number to call. Upon calling them I stated that I did not request a credit card to be opened in my name. The lady attending my call stated that the card could not be cancelled at that time. They needed to wait 14 days to cancel the card. 

An invoice is sent to my ex-wife 's house for this card, that was supposed to be cancelled. I call the company and advise that I did not request this credit card. I was told the card would be cancelled. 

In XX/XX/XXXX I received a court summon for the default of the account and a pretrial was. At the pretrial I attended with my son for translation purposes. I advised the person for the bank that the account was opened fraudulently and a disposition was provided a voluntary dismissal CPI for 60 days. Not understanding what this meant. 

I wanted to fraudulent transaction removed this from my credit report and believing that the case was dismissed, I had my daughter file a dispute with XXXX  XX/XX/XXXX to have it removed. 

I receive a new court summon for mediation with CitiBank regarding the same fraudulent account. I attend mediation on XX/XX/XXXX with my son for translation purposes. The attorney for CitiBank states that an investigation was done and I am the person that opened the account. That I never responded to any of the invoices or called them to let them know that it was fraudulent activity. I advised the man that I called when the number was given to me by my daughter to confirm the opening of the account and stated it was not me. I called when the invoice reached my ex-wife 's house and states the account was not opened by me. I had to provide CitiBank at that time my correct phone number and address, that they did not have for me. Yet, the person says the account was opened by me with this wrong information. The person for Citibank would not let us know if the account was opened in person or online? What documents were used to prove identity? Why did they call my daughter to verify opening the account? 

The CitiBank person did not want to verify any of my information at the mediation to confirm my identity. I had my passport, my driver 's license, and social security card available for review in this matter. 

The account has a balance of {$3800.00} used at a tractor supply company according to the invoice in the court documents. A trial date is pending. I can not afford an attorney and would like to resolve this matter. I would like to have my identity flagged for fraudulent activity.
Product: Debt collection

I have received multiple attempts to collect a debt that I do not know is mine. I have disputed with the credit agencies and the debt collector has failed to provide the original purchase agreement, given me a 1099 C form for taxes or verified this debt is mine. The debt is from XXXX and the debt collector is Portfolio Recovery Associates. They have called repeatedly and I have asked them to stop calling and to please provide everything via written communication. They have not shown me how they verified this debt and did not have my permission to get any of my personal information.
Product: Credit card or prepaid card

My Payments are due on the XXXX of the month, and on XX/XX/XXXX I noticed I was charged a late fee in XXXX even though I paid on the XXXX of the month. On XX/XX/XXXX I logged on to make a payment and I noticed that in XXXX, again I was charged a late fee. I called TJX Rewards  @ XXXX and I asked why I was charged a late fee again when I make my payments early NOT late. I was told they can not reimburse my or credit my account as they can only do that ONCE per year. I shared that their automated attendant suggests you make your payment 7 days early and I make them about XXXX to make sure they are posted and they are posted, so WHY do they keep charging me a late fee? 

I would like an audit of my account and for TJ-Maxx to realize they are erroneously charging me and to credit my account. I can not see XXXX statements, and I don't ' know how long this has been going on. I don't know if they are reporting me to the credit agencies. I will check my credit. Thank you for your assistance.
Product: Student loan

I always try to be conscientious about my payments. In XXXX I made my XXXX payment. A few days later I made my XXXX payment. Because it was before the bank statement cutoff they applied my second XXXX payment to principal. Now that it is XXXX I received a delinquency letter. I pulled my payment history and took it to Wells Fargo and went over it with a personal banker. She called the student loan division and they told her because I made my payment before the statement cutoff they applied it to principal. Since I made this through Wells Fargo there was no way to indicate where to post the payment so they used their judgement. They refuse to fix this problem and wo n't apply the payment correctly. In the mean time I have had to make an extra payment. Now I show a delinquent payment when in fact I did not have XXXX. They should not be allowed to charge delinquent fees nor report to a reporting agency when in fact they are at fault not the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card or prepaid card

I purchased a service from a fraudulent company. Capital One finally issued a partial credit for misrepresented services that were never delivered. I received no receipts from XXXX XXXX, an affiliate of XXXX XXXX. I worked with Capital One for several months. Most of the time the representatives were in the XXXX. Initially, they claimed they did not receive the info and docs needed. Then after delivering said docs via fax and email several duplicated times, they then said too much time had passed to help me. These poorly trained 'out-sourced ' contractors seem to always have an alibi for not performing in my best interest. They did, however, credit my account for 2 of the 3 fraudulent transactions : merchant misrepresentation and delivering no useable results. Why not credit my account for all three fraudulent charges? Good question. To make matters worse they had the gaul to say, even at the supervisor 's level, to put the blame on XXXX XXXX, even furnishing me with their XXXX #. I have both employee name and ID #, as well as the supervisor 's. When I called XXXXXXXX XXXX I was informed by another person in the XXXX that Capital One 'does their own thing ' and XXXX XXXXXXXX has absolutely nothing to do with Capital One disputes. 

Hoping to finally get some help with the 3rd dispute, having been a loyal card holder for at least a decade, I now find myself searching for a more reliable XXXX XXXX or XXXX provider. Over the past several years I have never had such a long drawn-out hassle getting monies credited back to my account after falling for scams seen online. Please help me get my lousy {$35.00} back. Capital One used to be much more card holder friendly. You may refer to Capital One Case : XXXX. XXXX XXXX with account number ending in ... XXXX. I am so glad we consumers can still find help when others try to 'step out of line. ' Glad to see tax dollars go to good use. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my XXXX credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my equifax shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my transunion report showed a late payment on XXXX of XXXX. 

I have the same situation on my XXXX report with XXXX  Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my equifax report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my report.
Product: Credit reporting or other personal consumer reports

Hi- Campus Partners are showing that I have several late payments for a studnet loan on my credit report in XXXX, but I have no idea who they are, they do not have a webiste that I can find and any contact phone number I did find ( on other university websites ) are out of service so I can not even contact them to find out what this is supposed to be about. I do not have oustanding loans and have not- my tuition at XXXX XXXX  Oregon was paid through a graduate teaching fellowship. I do not know what to do or how to get this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you about items on my credit that is not mine. My family is in a situation and needs my help and I cant because of this stuff on my credtt that is not mine. Please remove these items so I can move on with my life. XXXX, XXXX XXXX and XXXX XXXX. There are also alot of inquiries on here that I know nothing about XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AXXXX 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 TRANS UNION XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX . I have contacted the FTC and local police.
Product: Vehicle loan or lease

TRUIST Item Processing Center XXXX XXXX XXXX XXXX NC XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX They are in violation of 15 U.S.C 1605, 15 U.S.C1635, and 15 U.SC 1692h and 15 U.S.C 1666b. I am requesting the return of my moneys due to fraud. The contract is now null and void failure to disclose right of rescission. Automatic violation in the truth and lending act ( TILA ).
Product: Mortgage

The condo at XXXX, XXXX, FL XXXX was abandoned by the owner in XX/XX/XXXX, and has sat empty since. XXXX held the mortgage, and repeated attempts to get them to foreclose failed. In XX/XX/XXXX the mortgage was sold to XXXX. 

After nine years the condo fees for this unit now total more than {$100000.00} ... an expense that has had to be shared by our 39 other owners. This particular condo was bought at the height of the real estate boom, and it is unlikely the property value will ever return to that level, especially considering a new subdivision next door will soon block our view of the water and lower the property values. 

Bottom line, the likelihood of the bank making a profit on this mortgage would seem to be very slim. 

Our 39 other owners have had to pick up the fees and expenses on this unit. Since several are XXXX, this has been a hard financial burden. 

It has been nine years since the owner abandoned the condo, and several legal attempts to get the foreclosure process started have failed. It makes no sense for any bank to continue paying property tax while our owners assume the expenses of this unit, with no end in sight. A foreclosure will at least end what is a money losing proposition for all parties. 

We respectfully request that those with the power to start the foreclosure process do so in order for the unit to be sold. We realize we will lose most of the fees, but this will at least put a new owner in the unit, one who will assume their fair share of the complex expenses.
Product: Student loan

XXXX XXXX XXXX I have submitted income information for forebearance only work part time they keep declining to process my appluication saying uts a private lender which is a lie its federal loans XXXX subsizided and unsubsidizedloans this is my contact information XXXX XXXX this is negatively affecting my credit report and after 10 yrs my loan would be forgiven. Acct XXXX XXXX XXXX XXXX XXXX XXXX iowa XXXX I have several class action lawsuits I havent heard anything or compensation XXXX email XXXX yet I keep having my wallet and personal documents stolen every few months
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Corp. Reporting inaccurate information. Duplicate account information, different opening dates. I am a victim of Identity Theft World Finance Corp, need to REMOVE FRAUDULENT INFORMATION ASAP. Here is a copy of the Police Report Requested. Please remove within 5 business days of this complaint date. Also, All three credit bureaus XXXX, XXXX, & XXXX- Please remove asap. 

WORLD FINANCE COXXXX XXXX XXXX Account Status Closed Account Dates Date Opened XX/XX/XXXX Account name WORLD FINANCE CORPORAT IDENTITY THEFT / FRAUD ACCOUNT Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$490.00} Balance updated XXXX XXXX, XXXX Original amount $ 316 Monthly payment- Past due amount {$490.00} Account name WORLD FINANCE Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed I am attaching FTC Report, Police Report, Driver 's license
Product: Payday loan, title loan, or personal loan

I took out a personal loan with XXXX/One Main in 2008. I was not informed by the company that a " refinance '' started the entire loan amount from the beginning of the loan. I have requested complete pay history from the company. I have paid a considerable amount of money on this loan and deem it paid in full due to the company 's misleading their terms of contract, pressure to refinance, and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to tell you to verify the misleading report of this account : XXXX  XXXX XXXX .... Balance : {$56.00} The account should be verified since I sent a complaint last XXXX XXXX, This time verify the aforementioned account for its errors in reporting.
Product: Credit reporting or other personal consumer reports

To \A/hom lt May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation underthe Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the NPDData breach, my personal information has been compromised, including 6 criticalfindings tied to my identity within the breach. This aceount andlor inquiries were made without my knowledge or consent. Under the FCRA ( S 6058 ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code $ { 681c- { ( protection of personally identifiable information ) and 15 U.S. Code $ f 68 { e ( b } ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Vehicle loan or lease

American acceptance credit Reported late payments after accident in which my insurance company sent confirmation they would pay settlement. Applied 3 late payments to my credit while in payoff process. Sent letter would be corrected when I reported to XXXX yet no changes made.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i have fraudulent reports on my account and would like them removed. They are hurting my ability to open new credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle 's handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.