23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Sir/Madam, I am writing to formally complain about a serious issue concerning my credit card associated with Home Depot and the subsequent lack of support provided by their customer service team. 

In XX/XX/2024, I received a notification alerting me to a charge on my account. As I still have possession of my card, I believed this to be fraudulent, so I immediately attempted to contact customer service to verify the transaction, understand its details, and dispute it. Despite my efforts in calling the team three time, I am extremely dissatisfied with the responses received.

Each time, representatives were unwilling to disclose any details of the transaction, including the amount, which is vital for verifying the legitimacy of the charge. Also, I asked for the appropriate mailing address to formally dispute the charge and express my intention to close my account because of this breach. Regrettably, the team failed to provide the necessary support or guidance on how I could proceed with these security concerns.

This experience not only raises significant concern over Home Depot 's security measures but also suggests a disappointingr care and accountability in handling potential fraud situations lack of custome.

Therefore, I am requesting an immediate resolution to this matter by : 1. Providing me with the transaction details of the disputed charge.

2. Issuing a reversal of any fraudulent charges incurred on my account.

3. Providing the mailing address where I can send a formal dispute and request for account closure.

4. Closing my account posthaste to prevent any further unauthorized activity.

Please treat this matter with the urgency it requires, as it affects my financial security and trust in Home Depot. I expect a response from Home Depot, failing which I will have no choice but to escalate this issue through legal channels and report it to the relevant financial oversight and consumer protection agencies.

Thank you for your prompt attention to this serious matter. I look forward to your swift response and resolution.
Product: Money transfers

On XX/XX/2016 I sent a Western Union Quick Collect billpayment to XXXX XXXX XXXX for {$4900.00}. It was never received and posted to my XXXX XXXX XXXX HELOC account.
Product: Debt collection

They kept saying their reports show. I explained this is inaccurate information. I need it to be removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability & transparency is unacceptable & raises serious concerns about consumer safety!
Product: Debt collection

1. I had a doctor ordered XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, TX on XXXX. 

2. I was given paperwork after the test at the hospital with instructions for a discounted rate of {$150.00} total as insurance did not cover this test. 

Paperwork provided has XXXX XXXX XXXX on the letterhead and as stated in the instructions they are contracted with XXXX XXXX, XXXX. 

Copies available. 

First step -- pay XXXX XXXX XXXX {$110.00} at checkout. I did so. 

Credit Card receipt available. 

Second step -- PER INSTRUCTIONS -- to receive this discounted rate -- -within 14-30 days you must call XXXX. 

I called this number numerous times and days. Calls are still in my phones call log. 

Copy of Phone Call Logs Available. 

I spoke to XXXX as well as other employees. I was provided the billing address of XXXX XXXX XXXX XXXX TX XXXX. 

3. Paid XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX their {$34.00} via Personal Check ( which they cashed ) to satisfy the entire amount of {$150.00} ( {$110.00} to the Hospital and {$35.00} to XXXX ). 

Cancelled check available. 

4. XX/XX/XXXX received a past due notice from XXXX -- -first bill I received ever ( never should have gotten any ) for {$630.00}. 
The full amount for the same test I already paid the discounted rate for ( {$150.00} ) after following all of their steps as instructed. 

Copy of bill available. 

5. Upon receiving the bill I contacted XXXX via email on XXXX. A follow up email on XXXX. 

Emails available. 

6. I contacted XXXX via phone on XXXX on a recorded line. They told me that this would NOT go to collections as the bill and been paid and that a HOLD would be placed on the account in order to remove it from XXXX billing accounts and that I wouldnt need to do anything. 

Recorded call transcript available. 

7. Then three months later on XXXX I receive an email from XXXX saying that my account dispute was resolved since the bill was already paid and they would reach out to CMRE to remove my account from collections. 

Email available. 

7. Then in XXXX of XXXX I receive a collection notice from a debt collector called CMRE from California attempting to collect a debt I DO NOT OWE -- -for a medical bill I ALREADY PAID -- -- in the amount of {$630.00} on behalf of XXXX XXXX . 

Copy of collections letter available. 

8. CMRE starts contacting DISTANT FAMILY MEMBERS ABOUT THIS DEBT. INCLUDING MY BROTHER IN LAWS PARENTS AND MY BROTHER IN LAW AT HIS WORKPLACE. 

9. I contact CMRE and forward all info saying I dont owe them anything and then contact XXXX telling them to remove me from collections as they stated they would. 

NO RESPONSE FROM EITHER 10. Receive yet another collections notice dated XXXX from CMRE -- - Copy available THIS TIME THREATENING TO REPORT THIS DEBT ( WHICH IS PAID ) TO XXXX AND XXXX  AND PLACE IT MY CREDIT REPORT. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX COLLECTION AGENCY CMRE FINANCIAL SERVICES INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

This follow up was for my previous complaint with regards to the unauthorized inquiries that the XXXX and Equifax have not yet addressed. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference # XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Again, I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 15 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX 's Account # XXXX Date Open XX/XX/year> Amount : {$410.00} XXXX 's ran off this entire balance as a loss ( Charge Off ), it should not been sold to a third party collection agency to be collected. 

This account is ran off as a charge off and I never received a XXXX cancellation form from them and because of that this account is accurate and it should show a XXXX balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Dispute of Fraudulent Activity on XXXX XXXX  XXXX  Account Dear Sir/Madam, I am writing to dispute fraudulent activities on my XXXX credit card account that was opened on XX/XX/2024 with a balance of {$1200.00}. I am a victim of identity theft and abuse, as well as XXXX  fraud during a vulnerable time when I was recovering from a XXXX XXXX XXXXXXXX in the hospital and XXXX XXXX XXXX 

During this period, the XXXX  who had access to my personal information, including my phone, social security number, and other sensitive details, misused my data to open a credit card account with XXXX without my consent. The unauthorized transactions made on the account are not reflective of my actions or financial decisions. 

I hereby request your assistance in investigating this matter and taking necessary steps to rectify the fraudulent activities on the XXXX credit card account associated with my name. I urge you to prioritize this dispute as it has caused significant distress and financial harm. 

Enclosed with this letter, please find supporting documents, including copies of my identification, proof of residency, and any other information that may help in resolving this issue efficiently.

Request a freeze and deleting of credit card information on this matter during the investigation promptly.

I would appreciate your prompt attention to this matter and request your support in restoring my credit and financial standing.

Thank you for your understanding and cooperation in this challenging situation. 

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

Equifax Credit Reporting ( XXXX # XXXX ) continues to reinsert and conduct due diligence concerning incorrect information that has been disputed by the consumer. 

Equifax Credit Reporting knows or should have known the reported information was incorrect if the proper investigation was conducted pursuant FCRA. 

A Bankruptcy Chapter XXXX # XXXX was opened and closed within four ( 4 ) days. This public record belongs to a person of a possible similar name however not to the consumer. Equifax remains the only Credit reporting Agency that is fraudulently declaring they have investigated and correctly reporting the information. Consumer has confirmation, in writing, for the US Bankruptcy court confirming Equifax is fabricating this tradeline. 

Consumer ( XXXXXXXX XXXX ) contends this has been a systematic behavior concerning Equifax Credit Reporting.
Product: Credit card or prepaid card

XX/XX/2022 had a preauthorized amount of {$1100.00} at XXXX XXXX XXXX XX/XX/2022 Coinbase received the final amount submitted by the vendor of XXXX XXXX was opened with Coinbase to fix the issue shortly after XX/XX/XXXX. Coinbase refuses to settle the final charge, withholding the excess amount plus a 2 % card reward, refuses to give any basis for this decision and has caused a great deal of emotional and irreparable damage to me. At the moment of this writing I am still being told to wait. Please help.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

The student loan accounts are reporting after they were removed from my credit report. The debt was sold and re-reported! I have sent the collection company all documents as proof, the debt was not mine. They mentioned there was no contract on file and that it would be removed. It has not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint about XXXX inaccurately reporting late/on time payments on my consumer credit report, I received a response this month that XXXX has XXXX & verified the information which is FALSE & still inaccurate. There is discrepancies with all three credit reporting agencies on the payment history section of the reporting and that shouldve had been updated 60 days ago. I have highlighted the account mentioned including ALL of the inaccurate/false discrepancies on my credit report and I demand that XXXX be removed from my credit report immediately due to the fact that inaccurate information can hurt my chances of being approved for credit right now or in the future and thats a violation of my right to FAIRNESS, 100 % ACCURATE REPORTING and privacy. 

Account : XXXX # XXXX - XXXX XXXX 30 days late - XXXX XXXX 60 days late - XX/XX/XXXX No payment information - XXXX XXXX 30 days late - XX/XX/XXXX XX/XX/XXXX days late - XXXX XXXX 90 days late & missing payment information According to 15 USC 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

i sent my letter off in XX/XX/2023 i told the bureaus to " investigate every piece of information '' on the accounts i have listed below. Also i have attached the letter i sent out and here the tracking #.

according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have credit credit report showing the inaccuracies. 

Accounts MIDLANCRED 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 MIDLAND CREDIT 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

There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by XXXX. There are duplicate entries by bank for XXXX. XXXX of the XXXX entries by XXXX XXXX XXXX has been deleted but an extra XXXX remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than XXXX days ago and the items remain.
Product: Checking or savings account

Regions Bank Closed my account and charged it off. I rented a XXXX a year and months ago, I paid the amount that was supposed to have been paid. However due to a mixup in trucks, XXXX  charged my card over {$800.00} dollars. I tried to dispute it with Regions, they would not let me dispute the charge. I thought the bank I trust with my money was supposed to protect my funds. They tried to force me to pay them over {$800.00}. I refused, so they not only closed my account, but they have sent it to a collection. For an amount of {$370.00}. These are unethical practices for a financial institution.
Product: Credit reporting or other personal consumer reports

.Please dispute the following items on my credit report. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX Experian : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Acct : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Acct : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiry on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question : XXXX  05/20/2024 Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting this changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Debt collection

I am writing to express my deep dissatisfaction with the fraudulent accounts currently on my credit report. Unauthorized and false information is affecting my credit history, jeopardizing my financial standing, and undermining my credibility. I request an immediate investigation and swift removal of these inaccuracies from my credit report. The presence of these entries is damaging my credit score and causing significant distress. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX. I have attached supporting documentation proving the fraudulent nature of these accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my sister sent me XXXX on cash app and I cant get the money because I no longer have access to the number that I used for the account so I tried to contact cashapp and they gave me directions as to what to do to solve the problem but it still didnt work and I reached back out to them to let them know they directions didnt work and I havent heard back from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years and it has been ( 7 ) years since the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

my bank pulled a free credit report for me an I found all of these names an accounts that dont belong to me. I filed a police report an called all companies they wont do nothing