23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PDQ SERVICES Are reporting inaccurate information on my credit report I am not familiar with this company dont have any debt with them I contacted this company and they would only transfer me to dead air calls or have me on hold and still not able to give me any explanation. They are reporting incorrectly on all three reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX erroneously and illegally reported a duplicate automobile account on Equifax with a Last Activity Date of XX/XX/. 

XXXX XXXX is not reporting on XXXX or XXXX is not updating XXXX XXXX 's reporting because it is not on my XXXX report.
Product: Credit card or prepaid card

We went to purchase XXXX from a store ( XXXX XXXX is the name on the receipt, but the store is called XXXX XXXX XXXX XXXX ) in XXXX, XXXX. On XX/XX/XXXX. These XXXX  were supposed to be gifts for our return trip the next day. 

Two XXXX were purchased and the prices on the shelves were around XXXX XXXXXXXX {$50.00} USD each. When checking out the teller took our card to charge and then handed back the receipt and card. Upon return to the hotel, we noticed that the amount on the receipt was incorrect. The receipt doesnt even list the items out by price, its just a single charge for a custom amount entered by the teller. It appears that the items werent even scanned. The amount on the receipt that we have is XXXX Pesos, which was {$820.00} in USD after conversion. 

We headed back to the store to try to fix it, but they were already closed. We had to fly out the next morning but stopped on the way to the airport. The store was still closed so we could not fix it before leaving. Upon returning to the US, we tried to look up the contact information of the store and found out that the place is a tourist scam. 

All reviews for the site said that the store overcharged by 8-10x the price when checking out and then refuses to refund the amounts or the purchases. There was also no contact information listed for the store, so we could not reach them if we wanted to. They had no website, email or phone number listed. 

I attempted to then resolve this with the credit card company ( Capital One ) to adjust the payment made, but they refuse as we don't have an itemized receipt. Only the receipt given to us by the scamming store. Not getting an itemized receipt is part of the scam. Capital One could not provide us with any information. We provided photos of the XXXX purchases as well as other listings showing the proper prices of the XXXX.
Product: Credit card

Keeping payments on this account consistently prompt has been my practice, avoiding any instances of overdue payments. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be enacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened account with Comenity/Kay in XX/XX/XXXX. I'd paid the bill directly at the store location to ensure immediate payment. I paid {$150.00} and {$300.00} in XX/XX/XXXX. I paid {$400.00} in XX/XX/XXXX. I paid {$270.00} in XX/XX/XXXX. Each occurrence, I'd asked the teller to put minimum payments on the following months. In XX/XX/XXXX during a credit check, I was very surprised when I noticed that there had been late payments being reported for XXXX & XX/XX/XXXX. I reached out via call and sent letter pleading with company to remove these late payments as I made sure not only to be on time, but to be ahead. They informed me that my extra payments were only entered for one month at a time even though the store representatives ensured me of my payments processing. I paid the account in full XX/XX/XXXX, 9 months ahead of scheduled. 
These incorrect late payments have impacted my credit tremendously. It will help in a major way to have these late payments removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A states the right to privacy. 
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. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Student loan

" XX/XX/XXXX Re : complaint against Ed Financial CC : Federal Student Aid Ombudsman Complaint, Ed Financial and Consumer Protection Financial Bureau To Whom It May Concern, I was fortunate to have my loans discharged through the Borrowers Defense and I am very appreciative! However, the refunded money for past payments and interest is incorrect. I have printed my monthly documents from Ed Financial and they reimbursed me for Loan 2, & {$17000.00}. Per the Federal Student Aid website, I have paid {$29000.00} since XXXX. For loan 1, I have paid {$31000.00} since XXXX. I have not received any reimbursement for that loan. But Ed Financial took away the balance ( loan 2 ) of {$45000.00} after the loan was discharged and said I owed XXXX plus XXXX in interest without any refund. This is incorrect. Federal Student Aid states I have a zero balance on loans 1 and 2. I paid a one-time payment of {$44000.00} in XX/XX/XXXX which Ed Financial verbally acknowledged but, there is no record of this on their online site. I have called them and explained repeatedly but nothing changes. My calculations of money paid toward my student loans between XXXX XXXX is {$60000.00}. Please help me get the proper reimbursement. Thank you for your help in this matter. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX and i am the only first-hand competent witness to these events that have taken place. see attachment below
Product: Debt collection

I had a payment arrangement with another debt collector and paid the debt. This company never verified the debt or the amount paid to the previous collection agency. I disputed the debt with USCB and never received a letter or email. They have since reported the debt which has drastically affected my credit score. This debt should not have been reported since it has already been paid and wasnt verified by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continually fails to process disputes. I have submitted and resubmitted disputes ( requests for investigations and reinvestigations ) several times through the CFPB portal and Experian continually claims it is not being submitted by me even though I provide all the correct identifying information which includes but is not limited to my Driver 's License, Social Security Card, and recent Utility Bill in my name. If I try to submit these disputes via US mail, they get ignored by Experian. When it comes it submitting disputes via Experian.com, they do not allow you to dispute inquiries and so you can't submit anything. 

Experian, please process the attached dispute. Failure to process the dispute and investigation ( including any reinvestigations ) requested will result in a lawsuit in small claims court. Thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX Acct # XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit card or prepaid card

In XXXX, I received a bill for a XXXX card that I did not open. I immediately called and Comenity Bank opened up an " investigation ''. That investigation took 3 months to complete, they did not call to notify me of a resolution and then they start calling over the weekend to collect payments. I call them today to figure out what is going on because the fraud dept is not open on weekends. The lady says a letter was sent, NOPE. She then says they have been sending bills and that I opened the fraud investigation in XXXX - NOPE! I opened the case on XX/XX/XXXX. I ask if they have a copy of my signature on the application, she states they do but can not share it unless I send a letter. Hmmm.. I wonder why they did not ask me for my signature so they could compare. I was definitely not in XXXX opening a XXXX account on XXXX XXXX. 

On XX/XX/XXXX, I went grocery shopping at XXXX in XXXX, CA. I have proof of this on my debit card transactions. After that, I was at home creating a video for my friends ' birthday. At XXXX I posted on her FB page from my couch .... I specifically remember creating the video and posting it. Time stamp is on her FB page. 

XXXX is 60 miles one way from XXXX. The nearest XXXX to XXXX is XXXX ( XXXX ) or XXXX, which is where my parents live so it would make much more sense to go there. No other purchases in XXXX, no lunches, no gas, no NOTHING because I was not there. 

It's absurd that they did not include me or ask me one single question during this so called " investigation '' and now I'm stuck with a {$1000.00} bill from one shopping excursion in XXXX... yeah, that doesn't seem odd at all. {$1000.00} in cosmetics in ONE single day... I'm lucky if I put lotion most days. 

So today, I paid the minimum due because I'm extremely concerned about keeping my great credit score. But I will not rest until I get this money back. Seems like an inside job to me... I guess XXXX just allows people to walk in and open fraudulent accounts without any proof of who they actually are. I notified the person I paid with this was only for my credit protection and not because I am accepting any liability here. I also messaged this to Comenity and they have acknowledged.
Product: Prepaid card

Was told that the balances for XXXX unexpired American Express gift cards were sent to unclaimed funds. Tried NY XXXX unclaimed funds and was told there was no record.
Product: Debt collection

When I lived in Georgia during the beginning of the pandemic, I rented from a place called XXXX XXXX XXXX. This was a dangerous place to live, but I always made our payments. HOWEVER, a water line leading to my apartment building bursted and water continued to flood for over a week. This SKYROCKETED my utility payments and my water bill went up ENORMOUSLY. I talked to the city about being reimbursed but they told me that while they would come out to fix the line, it is still the responsibility of the apartment management team to reimburse me, as this happened on THEIR property. The management team FAILED to fix this issue in good time, knew I had huge water bills I now had to pay through no fault of my own, and REFUSED to reimburse me for these hundreds and hundreds of dollars. I attempted to take them to civil court but was unable to. Frustrated, and without any help or financial assistance, I ended my lease early to escape that horrible, abusive environment. Despite never once helping me in an issue THEY were responsible for, they still demanded final month 's rent. I will not pay this until they are finally willing to reimburse me for the money owed due to the water leak. Fair is fair, and I hope whoever is reading this understands how companies exploit poor people like me. Thank you.
Product: Checking or savings account

Unauthorized Transactions and Account Closure To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to report a complaint against Bank of America for unauthorized transactions and account closure without proper explanation. I had a checking account with Bank of America for over a year, and during that time, I noticed duplicate charges on my debit card, resulting in being charged twice for the same transactions. I disputed the charges, and Bank of America refunded me approximately {$5000.00}. However, a month later, Bank of America deducted the same amount ( {$5000.00} ) from my account without my authorization, locked me out of my account, and closed it without providing a clear explanation. The only communication I received was an email stating that they could no longer offer me banking services. I believe this is a violation of consumer protection laws and regulations. I request your assistance in investigating this matter and holding Bank of America accountable for their actions. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

I responded to a promotion on the internet and opened a CitiAccelerate Savings account and opened account number XXX I believe on XX/XX/XXXX. I funded the account with 4 transfers of {$25000.00} each and 1 transfer of {$20000.00} all from my XXXX account XXX on XXXX, and XX/XX/XXXX. The balance on my last statement was {$120000.00}. I spent literally hours on the computer trying to establish access to my account without success, even with assistance from their technical people. Apparently this occurred because I also have credit card accounts with Citibank which conflicted with the savings account, and " the two systems don't communicate ''. This culminated in multiple calls to their help line on XX/XX/XXXX and XX/XX/XXXX. The help line was XXXX and I made the calls from my XXXX XXXX. On XX/XX/XXXX I talked to a representative who said Citibank was closing the account and sending me a check and it would arrive in 5 to 7 business days. When I still had not received the check today, XX/XX/XXXX, I called the same help line and talked to someone named XXXX. She told me the funds were not mine, that the funds for the account had come from another depositor and were therefore not mine. She refused to give me any more information about the status of my funds. I have no way of knowing what became of the funds. She gave me another number to call on Monday but I'm afraid at some point the money may become irretrievable. Hard to believe this could happen with a too big to fail bank like Citibank. This is probably an honest mistake, but at this point I have to assume people connected with Citibank have embezzled my money until proven otherwise.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, XXXX, XXXX, and Transunion, each of these accounts year to date credit reporting ends in XX/XX/2017. There appears to be no credit reporting since XX/XX/2017 on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts from my credit report, which I believe were opened as a result of identity theft. I have already taken the necessary steps to report the identity theft to the appropriate authorities and to mitigate any further damage to my credit. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft Consumer Protection Act, 15 U.S.C. 1681c-2, I am requesting that you investigate and remove the following fraudulent accounts from my credit file : 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 These accounts were opened without my authorization. I have attached a completed Identity Theft Report, which is required under the FCRA. As per the law, I am requesting that you block these fraudulent accounts from my credit report and provide me with a written confirmation of this action. 
Please find the following documentation attached to support my claim : A copy of my government-issued ID. 
A copy of my Social Security card. 
A copy of the Identity Theft Report. 
Any other supporting documents, as needed. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this request. I respectfully ask that you notify me of your findings in writing and update my credit report accordingly. 
If you require any additional information to proceed with this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and the removal of these fraudulent accounts. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and  XXXX  refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.
Product: Prepaid card

I received a Vanilla Gift Card as a XXXX present in 2024 in the amount of {$100.00}. 

1 ) I attempted to use the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where it was declined. I paid for the entire XXXX XXXX transaction on a personal CC. I expected after several days, the charge would clear and the funds replaced on the card. This did not take place, and I submitted my first dispute. I provided all necessary documents to InComm and by XXXX I received a replacement card for the full {$100.00}. 

2 ) Using the replacement card on XXXX in XX/XX/year>, it was declined, and my personal card was charged. I submitted a second dispute around that time, which went unanswered. I attempted to follow up several times during this timeframe, and was told it was being processed, and later that it was not processed. I was given an additional email to follow up with with all of my attempts to remedy, and did so. 

3 ) A third card was received in XXXXXXXX XXXX XXXX Upon activating that card, and reviewing the balance/transactions - an unknown transaction for around {$75.00} took place in XXXX, when my card was " on hold '' as part of a dispute. I couldn't even access the funds if I wanted to. XXXX XXXX XXXX XXXX XXXX XXXX I immediately disputed the transaction on their website, was told it would be another 45-90 days and found that unacceptable. I called the phone number, and was told by both the representative and the supervisor that there is nothing they can do to expedite the dispute. 

Ultimately, I feel as though I have been a diligent and understanding consumer. I have been patient with their processes & complied with their requests, however, they have not been able to complete their processes timely, efficiently, or accurately, and can not give me any confidence that this will be rectified properly. 

How a gift card was sent out with a balance that was impacted by a transaction during a period which it was on-hold, is beyond me. That should be an automatic red-flag, and internal fix, that I should have no knowledge about. 

I do not use gift cards like such, because it gets difficult to spend them down. I have NEVER encountered issues like this and am disgusted with this company & it's affiliates. I know these are used by certain, disadvantaged populations, and can not imagine them having to deal with issues like such - at their age or with less than trying to keep up. 

While I'd love my {$100.00}, I'd rather invest that in ensuring this company is shut down. There are other gift card providers that provide this service without the hair. Can we do that simultaneously? 

Would love to share email thread - but will need to ensure license/personal details are protected.
Product: Mortgage

I need to explain to a person, the claim that I going to make, against specialized loan services, my second mortgage on my house, the way that they are treating me, and, I believe that they are doing to other people attached or dealing with this company.they already reported me to the credit bureau,3 times with no reason, and, when I spoke with a Manager, he told me that, it was my fault.
Product: Vehicle loan or lease

Discovered the lender, XXXX XXXX XXXX, have been charging me a higher late fee than they were supposed to. I asked the lender about the excessive charge for a late payment and the asnwer that was provided was, they have a clause that allows them to charge up to 10 % of the monthly payment amount for late charges. However, for the state of Maryland, the late payment fees should not exceed {$20.00} for the states of Maryland, Kansas, Utah, and/or Louisiana. Ive attached supporting document. I have been charged {$49.00}.
Product: Debt collection

Currently there is a company by the name of professional Debt Mediat on my credit report. I have absolutely never entered into any contract or agreement with this company. They are reporting on behalf of a company I had previous dealings with. They have inflated the amount I owe to this company trying extort additional money from me that I do not owe. The company I owe sent me a email advising what my final bill would be {$760.00} this company Professional Debt Mediat states I owe {$1600.00} this company is in complete violation of as I have never opened a loan or credit account with them. I have from courtesy sent several emails and tried calling several times to try rectify the situation each time being told I need to contact XXXX XXXX which is the company I have prior interest with. XXXX XXXX advises I need to contact Professional Debt Mediat who I don't have any relation to settle this matter unfortunately being inflated charges with this company. I'm requesting this matter be solved and Professional Debt Mediat be removed from all three credit bureaus as I did not enter in any agreements with this company.