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

I wanted to purchase a TV from XXXX for the XXXX sale, and saw the financing option which sounded pretty good. I applied to get financing, but at first my application was rejected, since my credit history was locked. I called the merchant bank ( TD Bank ) and unlocked my credit history and they retried the request and it succeeded. So now I had a hard inquiry on my credit report and was approved for XXXX . I got my welcome kit in the mail a few days later and I set up my account online as well. 

After this, I went to purchase my TV from XXXX, but I couldn't use the financing option anymore, it was still stuck on the old error of my credit being declined. I called XXXX and asked to be helped but they kept sending me from one department to the other, and finally to TD bank. I called TD bank to resolve this issue, and they said its XXXX who needs to fix it. It has been over 3 weeks now, and I am still unable to make any purchase, and despite repeated calls to both companies I haven't received any resolution. 

Now, I really don't want to do business with a company with such bad service, so I want to close my XXXX credit account, but that will put another remark on my credit history. I don't want to keep the financing open, since I know in the future in 2 - 3 years, they will come back with some fine and charge me for not using the financing option.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to revalidate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$60.00}
Product: Checking or savings account

I scheduled two payments to be made by Wells Fargo to my accountant. The bills were for the same amount to be paid on the same day. When I scheduled the payments I inserted different invoice numbers in the memo line, ensuring that they were not duplicate payments. 

However, the day before the payments were to be sent Wells Fargo - ON ITS OWN - sent me an email telling me it had cancelled one of the two payments. The email was titled " Wells Fargo Bill Pay : Duplicate Payment Not Sent '' and it said : " We did not send the following payment because you had already scheduled another payment to this payee for the same amount on the same date, and the two payments appear to be duplicate payments. '' So I then had to RESCHEDULE the payment that I had PROPERLY scheduled, making me late paying my accountant. I contacted Wells Fargo to complain, and they responded : " In your email, you indicated that these two payments were not duplicates since you had provided information on the memo line about two different invoice numbers that were being paid. Please be advised that we do not review the information provided in the memo line when determining whether or not a payment is a duplicate as the cancellation is done systematically and is only based on the fact that two payments were scheduled for the same dollar amount on the same day. '' THAT IS CRAZY. Their system reads : Bill Pay Bill Pay : Duplicate Payment Not Sent It was OBVIOUSLY not a duplicate payment because I had included different invoice items. Wells Fargo has NO RIGHT to cancel payments I schedule without advising me, especially with no notice except on the date the payment was to be sent. If they thought it was a duplicate they could have asked me, rather than taking UNILATERAL ACTION AGAINST MY EXPRESS INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I notice XXXX XXXX reporting on my credit report on XX/XX/2024. After noticing this account is a result of identity theft, I filed a dispute with XXXX as well as Experian, including my identity theft report. Ive allowed these companies over XXXX business days to investigate this but I have yet to receive a response. I included my identity theft report with this complaint. 15 US code 1681c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than XXXX business days after the date of receipt. According to the FCRA, if a credit reporting agency fails to remove an identity theft account after you have disputed it, they may be violating the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates how consumer reporting agencies handle your credit information, including investigating disputes and correcting errors.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit card

I opened a Lowe 's store credit card. After I made my first purchase, Synchrony closed my Lowe 's card and my XXXX credit account, which was also serviced by Synchrony. While the Lowe 's account hurt my credit from doing a hard pull and opening and immediately closing the account, the XXXX credit account was my oldest account and will have an even bigger impact on my credit score. Synchrony claims it closed both accounts as it believed there was a high likelihood I would not pay them off. If this was the case, they should never have opened the Lowe 's account in the first place. I have also never missed or been late on a payment with the XXXX account which was by far my oldest account being opened more than 12 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I made the decision to take a look in my report. later in XX/XX/2022 I asked Experian to send me a copy of the investigation by mail, and a copy of the verification method Experian have used, in a way that is easy for me to understand. Because to my knowledge those alleged account should not be on my consumer report. Experian never honor my request. But instead Experian gave me the whole run-around and I never got any resolution. Ultimately failing to comply under the FCRA regulation. In general, the law state that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or deleted within 30 days. However, a consumer reporting agency may continue to report information it has verified accurate. Well since Experian claimed that the information as accurate. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand under my rights that an investigation letter be mailed to me from Experian. Or simply comply with the FCRA regulation by deleting unverifiable information.
Product: Money transfer, virtual currency, or money service

I was persuaded by XXXX XXXX XXXX XXXX to send him money through World Remit to him. He is located in XXXX and claims to be a doctor and have nutritional products. I paid XXXX through World Remit. He never sent the products to my home address and stopped replying after I asked for update and eventually refund.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX - XXXX - XX/XX/XXXX - {$96.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXXXXXX XXXX Pl, XXXX, CA, XXXX, Accounts : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Mortgage

I completed the logon process to my Bank of America account and proceeded to pay additional principal on my mortgage. The only option available to me was to pay the next mortgage payment plus a maximum of {$5000.00} additional principal. Bank of America applied the payment on XX/XX/2022 and charged me full interest as if it was paid on the normal due date of XX/XX/2022. This is deceptive to say the least. This mortgage will be paid off well before XX/XX/2022. I wonder how many people have been overcharged as a result of this? I would expect this to be illegal. If it is not, it should be! An audit should be performed, and Bank of America should be forced to refund any interest it overcharged mortgage customers with their fraudulent website. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX Bank of Americas case # XXXX
Product: Credit card or prepaid card

On XX/XX/21 my husband and I wanted to open a Home Depot credit card under his name only. The associate quickly asked if I wanted to be added as a contact on his Home Depot account, and I said sure, and gave her my name and phone number. This is the ONLY information I provided her with. My husband also confirmed later that this was all that was said in this quick exchange. I was made to believe that I was simply being added as an additional contact person to his Home Depot account. She did not in any way disclose that I would be a joint applicant on the credit card and that this would result in a credit check and being associated with the credit card, or I would have declined. How was I even added as an applicant from simply giving my name and phone number???

We just purchased a home and I was the primary applicant, so this additional credit check and new credit line opening under my name so soon after our home purchase made my credit score drop 37 points! We used this to purchase flooring and other supplies ( totaling {$2800.00} of our {$5000.00} credit limit ), so spending over half of the credit limit contributed to such a steep drop in my credit score. It literally shows on my credit report that the day this Home Depot credit card was opened is the day my credit dropped 37 points ( this was after it had already dropped a few points from our mortgage and is in no way associated with the home purchase ).
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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: Mortgage

I am an attorney representing the homeowner. Wells Fargo refuses to speak with me despite having submitted letters of representation twice via email to the specific account representative and the homeowner faxed same to the fax number provided by the representative. As I type this complaint, I sit on an indefinite hold awaiting a supervisor. My basis of my representation stems from Wells Fargo 's unlawful debt collection practices, in violation of the terms of its agreement with the homeowner. Moreover, these practices by Wells Fargo include improper negative credit reporting and repeated dunning collection calls despite my repeated notices of representation. I am attempting to resolve this dispute amicably, without litigation and without incurring excessive legal defense costs - they just won't even talk to me.
Product: Credit card

Discover is displaying the incorrect balance for my credit card. Please see attachment and not that the math does not add up. Also note that if you included the pending activity of {$26.00} you still do not arrive at the balance that is stating so the pending activity can not be the issue.
Product: Mortgage

I have an home mortgage with you Freedom Mortgage. They sent my escrow to the wrong parcel id for 2 years now. I now have a property lien threatening me as the negative balance is - $ XXXX. They have admitted their error, yet continue to give me the run around about why they have not dispersed a check to my county treasurer ( XXXX XXXX indiana ) to catch me up. I have 2 major loans ( 1 being a refi with a different mortgage co ) that had been held up by this and both have fallen through. I have tried and tried and called and called. Im tired of it. My next move is legal recourse to get me the help i need. It has caused major stress on my family ( 1 being my XXXX XXXX XXXXXXXX   wife ) and i as well as caused ( like i said ) 2 loans to collapse. Now they have claimed to have sent out a check to the treasurer on XX/XX/XXXX to cover the mistake. Its XX/XX/XXXX and XXXX XXXX has no record of a check. To make matters worse, freedom mtg took the money to pay for the mistake FROM MY CURRENT ESCROW! Now, my escrow is showing negative $ XXXX and they are asking new mortgage company to add this to the buyout. And it gets even worse. They want {$250.00} from me bc theres not enough cushion in my escrow they stole from. I have filed cases with the Indiana and NJ ATTORNEY GENERAL as well as the XXXX OF NJ. My wife and I want whats right and whats fair. I am extremely concerned for her and my XXXX  child as this stress of dealing with Freedom Mortgage is. Ever ending. Please help.
Product: Credit card or prepaid card

I had an unauthorized transaction on my debit card account. and BBVA Bank refuses to credit my checking account. They always want to take the side of the merchant instead of their own customers. This is a terrible bank and nobody should do business with them.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Capp App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency EQUIFAX sent me an updated consumer disclosure report regarding the reinvestigation of an account furnished by a company named XXXX XXXX XXXX around XX/XX/2024. I have consistently disputed with both companies concerning inaccurate credit reporting. I recently received a consumer disclosure report from EQUIFAX stating that the account information that was being reported was verified by the creditor XXXX XXXXXXXX XXXX as accurate. This statement turned out to be a lie. I have circled the inaccuracies on this updated version in red ink the consumer disclosure report where the account information is missing information. The Fair Credit Reporting Act requires accuracy and fairness of credit reporting. This report is not accurate. It is incomplete which makes it inaccurate. The consumer disclosure report states " No Data Available '' regarding some payments in the account payment history. 15 USC 1681e ( b ) " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Since EQUIFAX has failed to abide by the Fair Credit Reporting Act, they are liable to me per 15 USC 1681n Civil liability for not more than {$1000.00} per violation. Incomplete account information is considered as inaccurate reporting. I am asking for my relief through the removal of this inaccurate account from my credit report promptly. It is not fair that I am having to dispute the same issue several times. My character is being damaged, my rights are being violated, and I want the account removed.
Product: Credit card or prepaid card

I have only been able to make 1 payment on this account. Every month after that I tried to make the payment and they would return it saying it was an invalid account. They put late payment notice on my credit report and continue to charge me compounding late fees. 
I have tried re-entering my bank information yet they keep returning the payments. ( I have documentation of all this ) I have sent them 2 letters stating that IF they remover the late charges and IF they remove this from my credit reports I will send them a certified check paying off the balance. The have NOT responded to any of this and instead have started calling me at all hours harassing me for payment. 
As they have an OR address if they do not do as I have requested I plan on suing them in Small Claims Court for {$5000.00} for the damages they have done to my credit report and the harassment.
Product: Debt collection

After reviewing my XXXX credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Contract Callers Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was not listed as disputed by consumer nor had I received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report. When I still lived in Ohio from XX/XX/XXXX-XX/XX/XXXX I attempted contacting XXXX XXXX XXXX directly multiple times and disputed the accuracy of the charges however I never received any response. I do not believe the account in stated amount belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH APP ( Block, Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( XXXX ). Specifically, CASH APP fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

On XX/XX/XXXX a fraudulent charge was made on my Citi XXXX card and I immediately notified them. There was a notification of a charge on XXXX on XXXX that I declined but there were 2 other charges that happened that I did not get an alert so could not decline. The next day I spoke to fraud department and and in the conversation I mentioned I still have the card which was a mistake on my part as I was referring another and not the one the fraud occurred that I had. I got a call from them asking me to open a police case which I did and gave that info back to them. When I followed back with them a week post that they said they have closed the case because I said I had the card. I corrected and they said they will reopen ( called twice and same answer ) but it did not and no communication from then on. Had a similar fraud happen on my XXXX XXXX  same day and they refunded. The investigator did not which was surprising and against what Citi says on protecting their customers