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

Hello I purchased my home in XXXX, XXXX and I closed on XX/XX/2023 at closing the title company wrote some checks to payoff some balances on a few credit cards and Comenity Bank/ Wayfair was one of them. On XXXX XXXX I mailed a check in the amount of {$3600.00} to Comenity Bank/ Wayfair . I mailed this check Priority mail with signature required through the USPS. On XXXX XXXX at XXXX check was delivered picked up at the Comenity Bank/Wayfair XXXX XXXX XXXX XXXX XXXX I have called Wayfair numerous times all ikeep getting is that they are investigating it. It is XXXX XXXX and the check is still not posted to my account. Every time I call iget the same nonsense answers and no results. They can't even tell me if they have the check in hand which they should because it was picked up.
Product: Credit card or prepaid card

have been waiting eight months to receive a check for the remainder of my fathers account ( {$3900.00} ). I have called multiple times a month since XXXX and have had no follow through. Im frustrated by the lack of response and accountability that Direct Express has shown me each time I have attempted to resolve this final matter regarding my dads death. 
On XX/XX/XXXX, my father, XXXX XXXX, passed away. In XX/XX/XXXX I called to close his account. Direct Express froze his account and sent me the paperwork to close it out. In XX/XX/XXXX I sent the paperwork back with everything requested. In mid-XXXX I called Customer Service to check on the status and was told a check was sent XX/XX/XXXX, and that it would take 4-6 weeks. I told the customer representative that I had not received the check, and she said I needed to wait the full six weeks before they could do anything. So I called back 3 days later. The customer service representative escalated my request and told me someone would call me back. I waited two weeks for someone to call me back. No one ever did. I called again. They escalated my request again. I never received a call. I called back once a week for the month of XXXX. On XX/XX/XXXX, I called again. This was the 5th time I was told someone would call me. I knew that no one would. I was finally given the number for the Payment Processing Department. I called and listened to the seven-minute long message before leaving a voicemail with all of the information. I was surprised that someone actually called me back. On XX/XX/XXXX she told me that she would send a request to the accountant to research the check, request a stop on the check if it had not been cashed, and then issue a new check. I asked how long I should expect that to take. She said 2-4 weeks depending on how busy the accountant is. I waited four weeks and called again on XX/XX/XXXX. Again they told me that they would escalate my request and a supervisor would call me back. I was finally given a fax number as a last-ditch effort. I called the payment processing department again on XX/XX/XXXX. I have still not heard back from anyone.
Product: Checking or savings account

This is regarding a previous compliant : XXXX. 
I have attempted to contact Merrill regarding this matter but each phone call to Merrill is dropped or never answered. I have spent over 6 hours on the phone attempting to reach Merrill about this issue. My phone calls are always hung up regardless of who I call and when I call. If I am lucky enough to reach a representative, I am put on hold and the call drops. The hold times for Merrill are extremely long and that is making it impossible to resolve this issue. I suspect Merrill does not want to help me with my account and wants to keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian, XXXX, and XXXX multiple times regarding a fraud alert placed on my credit file. XXXX has complied and removed the fraud alert. 

Experian and XXXX does not want to comply and remove the fraud alert form my credit file. There are phone numbers within the credit freeze that do not belong to me. I have never used the phone numbers the credit bureaus have under my name. I would like for these fraud alerts to be removed from my credit file immediately. I have tried getting credit under my name and have been denied due to this fraud alert. This is unethical as i have never asked to have a fraud alert on my credit file
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , inc ) due to their inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( Cfpa ). Specifically, Cash app failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they did not comply with the Electronic Fund Resolution Act ( EFTA ) and Regulation E. These errors have caused insignificant inconvenience and financial loss and I seek appropriate redress for these violations. 
I would like all money reported to be refunded.
Product: Money transfer, virtual currency, or money service

I lost several thousands of dollars because of Zelles failure to adequately disclose the risks of using the platform and their lack of consumer protection measures, which directly contributed to my financial loss from year XXXX  to XXXX!
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Balance {$7400.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Balance {$3300.00} Date opened XX/XX/XXXX Account name XXXX Account number XXXX {$2300.00} Date opened XX/XX/XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$1100.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Balance {$9600.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Balance {$76000.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Balance {$9900.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have the supporting documentation for these fraudulent accounts These fraudulent accounts need to be removed immediately from my credit report including all hard inquiries
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a computer from XXXX for {$1500.00}. I paid thru XXXX. When I received the computer, it was not as described. I received a shipping label from the seller, and returned it the following day. My case with XXXX is XXXX. After I returned the computer I called Capital One, my credit card company and disputed the charge. They issued a credit, contacted XXXX, but asked the wrong question. They asked if I had received the item, instead of asking if I had returned the item. Which of course I did. My case with Capital One is : XXXX. Capital One reversed the charge. I contested it, with negative results. I provided them with the USPS tracking number XXXX. The tracking number proved I shipped it back, but shows that the USPS made several attempts to deliver the computer but that no proof of acceptance of delivery was obtained. 
I talked with XXXX agent ID number XXXX of Capital One, and was told that since no proof of delivery was made, that would not reverse the charges. 
XXXX agreed with me, and tried to credit my account, but the case with XXXX and Capital One was still pending so, they could not do anything. 
HELP!
Product: Debt collection

A rep.at XXXX signed me up for a lease without my knowledge, I attempted to correct it from the time I recd the bill and they did not believe me, then the reps that would listen, kept telling me there was no such plan, over and over they declinded to understand what had happened, I had been wuth them for a few yrs, went in for my free phone upgrade, and the guy signed me up for something I did not ask for, it was the third bill that had finally told me the plan ... befire I knew it it was in collections, now im harrassed by them..XXXX did me wrong, and lost a loyal customer because of a crooked salesperson.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to XXXX for an old deragatory mark from XXXX XXXX to be removed from my report on XX/XX/2020. On XX/XX/2020 the item had not been removed, but the investigation made my Equifax score decrease by 22 points. That is not fair.
Product: Mortgage

I have been working with XXXX XXXX to apply for a modification for the past 3 years. After submitting 20 applications over the course of 3 years, they have finally granted a modification, however, rather than making a more affordable payment they ahve set us up for failure by more than doubling our payment amount. Our principal balance is XXXX and our forclosure judgment is {$350000.00}, however, they have added an additinal {$130000.00} to our outstanding balalance with excessive insurace costs, lawyers fees and penatlies. We are part of the action the cfbc currently has against XXXX for failing to offer affordable modifications and setting people up for foreclosure. 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 We respectfully request a more affordable modification. Our current payment is {$2100.00} and they are now offering a trial modification for {$4200.00}. If they can not make us an affordable payment we are willing to sell our home and pay the bank in full. Therefore, we respectfully request one option or the other. There is enough equity to pay the bank in full, however, it is our request to stay and be offered a modification that is closer to our current payment amount. How is this still occuring when there has been a lawsuit filed for this exact problem? Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the XXXX by mailing a letter XXXX  XX/XX/XXXX asking them for verification on Account XXXX I requested them to please investigate and delete from my credit report because I knew it wasn't accurate. It lacked any information about who was the debt collector reporting this inaccurate information that also violated my rights. They responded that they " verified the information ''. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and said they needed me to verify my identity. Which I did. On XX/XX/XXXX XXXX finally responded with who was reporting this inaccurate information and they told me Quality Recovery Systems. Being that XXXX  received my dispute back in XXXX via XXXX they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. They are claiming that this is a medical bill. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also HIPAA. This account, account numbeXXXX XXXX XXXXneeds to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and HIPAA.
Product: Credit reporting or other personal consumer reports

15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my 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 payment for any purpose. 

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021. I ordered the XXXX  diet pills. I received them somewhere around XXXX XXXX They also had a. 90 day money back guarantee. I called ( XXXX ) XXXX on XX/XX/XXXX, spoke to someone named XXXX. She was located in XXXX ( she said ). I asked her for a supervisor because I wanted to return the merchandise because it did not work. She told me I did not need to return the merchandise because of health/ COVID reasons. But said that they would provide a credit refund to the method of payment that I used to pay for the diet pills. I said OK. I called back again on XX/XX/XXXX and told them that I did not see the credit pending on my card. And the guy told me that I needed to return the merchandise. And I told him that's not what I was told previously. I told him if he wanted me to return the pills, I would do so. But they needed to provide me a label. He said they don't do that. On XX/XX/XXXX I filed a dispute with Chase because I was tired of getting the runaround and people telling me different things. Chase Provided a temporary credit. Then on XX/XX/XXXX, I noticed that Chase had put the money back on my card. As though it were my financial responsibility because they closed the dispute. I called the company, XXXX, again and spoke to a supervisor named XXXX. She said that there's nothing she could do because there was an open dispute on my account. I called Chase and did a 3 way call. And that's when I found out that I can reopen this dispute. I dont have any return. Information or tracking because I didn't return it based on what I was told. 
It is unfair that every time a company provides information to the consumer about returning an item and a money back guarantee, they do not honor it. And then when you call the company to try to get resolution, you end up always speaking to someone out of the country and they give you these weird names. It seems like each representative that I spoke with at XXXX had something different to tell me, and that's not my fault. I should not be penalized and have to keep an item that does not work and did not work for me, and item had a money back guarantee. I request this dispute be reopened and I request a full refund from Chase or from the company. I don't know how this is supposed to work from here. The company says they can not refund me because there is an open dispute and the item was charged back to them. Chase says they can not provide me a refund or a credit because the company supposedly provided information that led them to close my dispute.

Two Chase representatives from the Chase Disputes dept called the merchant to let them know that my dispute with Chase was closed and that they could provide me { Chase } with the mailing address to mail back the unused product. The Merchant was rude and said No. 

I even called the
Product: Mortgage

On XX/XX/2025 i applied for a XXXX XXXX with XXXX XXXX VA XXXX XXXX. They took myself and my spouse personal information. This company has denied me for the VA XXXX XXXX program on several different applications that i have filed in the last year. They are a Falsely advertising as a VA XXXX company with no credit score limit, denied me on several application but didn't give me a Reason. This company falsely advertise and mislead veterans. I have reported this company to the FTC and state an Federal agencies of these discriminatory practices XXXX XXXX XXXX XXXX. They have given my application many different bogus reasons for denials. This company is XXXX and should be investigated based on their illegal business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed as in collections and past due by XXXX XXXX XXXX for the amount of {$1100.00}. I have no knowledge of this account and requested by mail, that the company they remove this account and provide proof that the information is in fact accurate including all account details. They did not provide any of this information as requested, and closed dispute marking all information as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/2019 XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After a previous dispute investigation, XXXX XXXX found that this account was incomplete/inaccurate and then deleted. However, XXXX XXXX only reported this result to XXXX and not the other consumer reporting agencies violating FCRA that states If the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my complaint #XXXX  with TransUnion, I requested the cleared debt with XXXX be removed as it was connected the XXXX XXXX collection, (which was removed). It was reported back to me that no such account exists, which is only partially correct.  The erroneous account being reported by TransUnion, which was dismissed and closed by the court, is the XXXX  account.  This account is still being reported and hurting my credit score. This is a case where one finance company sold an account to another. (I believe the original account was held by XXXX which sold it to XXXX  which in turn sold it to XXXX XXXX.)  As ALL accounts related to the debt were cleared and dismissed by the Arkansas Court, NONE of them should be continued to be reported on my credit file.  This is illegal.Although the results have not been completed with the two other reporting companies, I am afraid they will finish with the same results as TransUnion.  Please refer to complaints #XXXX   & #XXXX and add this problem to those.thanx.
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO EXPERIAN, XXXX, XXXX ABOUT A COLLECTION ON ALL MY CREDIT REPORT .ORIGINAL UPGRADE NOW IN COLLECTIONS WITH XXXX XXXX IS REPORTING. THIS ACCOUNT DOES NOT BELONG TO ME I HAVE SENT FTC REPORT ALSO A POLICE REPORT AND THEY ARE STILL REPORTING THIS TO MY CREDIT. THIS HINDERING ME FROM BUYING A HOME, JOB OPPORTUNITIES AND MUCH MORE. THIS A DEFLAMTION TO MY CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose