23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had fraudulent charges on my credit card, tried to dispute them with the bank. They keep refusing most of the disputes of the XXXX charges I was told by the XXXX department that they would reach out to me if they needed further information I received the call from an XXXX number who claimed they were the XXXX department taken care of my case I exchanged information multiple times with the same person acting as the XXXX  card XXXX department gave me information that I would only think XXXX would have I called the number on the back of my card to check to make sure this person was legitimate and all they could tell me is that yes somebody was working on the case and they can only give me the first letter of his first name which matched the gentleman I was speaking to who was in fact fraudulent and that phone number is XXXX when I finally googled the number thats how I found out. Its a scam and I believe thats how all this is happening, but the bank will not credit me the charges that I did not make.
Product: Debt collection

I am not liable for this debt as per FCRA requirements by law. Furthermore this debt does not belong to me and this is the first time I received anything about this.
Product: Credit card

So one day I received a call they say they was front my bank they know my name and everything so they told me they have an offer with XXXX XXXX  that they where paying our money credit card that we owed and we just gon na pay a little % so they give a card information for i add on my credit account and make the payment so i did that them i paid to they XXXX dollars by deposit to a capital one account so everything was good the money i owed was paid they pass 3 weeks the money reflected in the account was available on my credit card so i just used my credit card again normally and when pass like 1 month the bank call me and say that the payment was a fraud that my account is gon na be blocked and that i have to pay XXXX dollars and i call they and explain all the details and they said i have to call the other bank that the person call me and give me the information for the payment i call XXXX XXXX  and they said they cant do anything because im not own of the account so my bank said i have to pay and the interest up in 3 months now they send me mail i have to pay XXXX dollars
Product: Debt collection

Date of Service XX/XX/22 Amount {$160.00} XXXX XXXX XXXX turned over a medical bill to a debt collector, MediCredit, even though I provided information on multiple occasions demonstrating that payment had been made and no additional money was owed. I sent emails, made phone calls, and sent certified letters o providing documentation that a payment of {$160.00} was already made by my XXXX XXXX XXXX through my insurance company. Neither XXXX XXXX XXXX nor MediCredit have provided documentation supporting their assertion that payment has not been made. I have supplied documentation from my insurance company with dates and EFT numbers showing that payment was made to XXXX XXXX XXXX. MediCredit most recently sent correspondence indicating that an investigation has been completed and the amount is due ; however, they have not provided any documentation or details about the investigation. I have repeatedly provided documentation that the amount has already been paid and nothing is due.
Product: Mortgage

My Mortgage was bought by Green Tree which Changed their name to Di Tech. Due to A XXXX issue with my daughter I was trying Get my interest rate reduced it is at 7.036 % I was sent a letter and told to not pay XXXX payments to Qualify for XXXX or XXXX program. All Documentation has been sent they keep Stalling. No answers and now they are threatening Forclosure. They are many complaints on /line of The same issues. I sent everything by fax and Certified mail. Still say they have not received All documents. I have proof they have it. Please Help me before I loose my home!
Product: Credit reporting or other personal consumer reports

please all the fraudulent account and unathorized inquiries listed below 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 card

Dear CFPB, This complaint is in regards to American Express not awarding a bonus offer on a credit card after meeting the T & C and minimum organic spending requirement. 

Several months ago, XXXX Membership Reward points were awarded by a representative and a chat log was indicative of this. This bonus offer was attached to an American Express Platinum card that I had downgraded after a poor experience at a XXXX XXXX in XXXX. The points were awarded and listed as 'available, ' leading me to believe all terms and conditions of the offer were fulfilled. 

Strangely, I was not given any indication or letter about the lack of bonus offer and believe I may have been misled by false advertising. I would like to request intervention. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ON THIS DATE, AND SENT THEM THIS LETTER ON XX/XX/2024. UNFORTUNATELY, THE INCORRECT INFORMATION AND ACCOUNT ARE STILL SHOWING. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account.

Experian : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account.
Product: Credit reporting or other personal consumer reports

Upon thoroughly reviewing my credit report file, I have identified multiple inaccuracies in the reported information, including opened dates, last activity dates, last payment dates, and balances, which require immediate attention. 

The specific inaccuracies I wish to address are as follows : Discover Account XXXX XXXX XXXX Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XXXX XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. 
Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XXXX XXXX XXXX. I kindly request you to verify and validate all data associated with this account. 
Balance : The reported balances on this account are incorrect. The accurate balances are {$1000.00} and {$700.00}. I respectfully request you to verify and validate all data associated with this account.
Product: Credit card

In febuary of 2023 I tried to save the life of my dog, XXXX by going through the emergency vet and racked up about {$10000.00} in bills due to this, despite this she unfortunately died. During this period of time I also lost my job of XXXX years. To cover this bill I took out {$7100.00} in credit from Care Credit. Since that I have made all payments on time and have paid off a smaller promotional balance. I made an error and did not check that the promotional balance expired and was subsequently charged {$1900.00} in interest on top of my remaining balance which is {$4300.00} I have just barely enough in my savings to pay off this balance but can not pay the additional interest. 

I have since spent multiple hours on the phone with carecredit/synchrony aswell as the live chat and have not been able to get forgiveness on the interest so that I can settle this debt. 

I have screenshots of the live chat in which a representative told me I could pay my promotional balance after which they would be able to take off the interest however the rep rescinded his statement moments later and said it was an mistake. 

The phone rep said my only options would be to go 90 days delinquent on payment and I would be offered a settlement or, I could enter the financial hardship program but apparently I did not qualify for the financial hardship program as I have no income currently and only savings. I am doing my best to settle this debt without ruining my credit and this process has been incredibly defeating. 

I have also sent a letter in email to all corporate email addresses I could find online. Basically just describing my situation and making a plea for forgiveness on the intrest so I can pay the balance.
Product: Credit reporting or other personal consumer reports

Despite the ongoing investigation, Equifax has been changing the account 's remarks on my credit report multiple times, rather than removing the fraudulent account. These actions are inaccurate and misleading.Despite the ongoing investigation, Equifax has been changing the account 's remarks on my credit report multiple times, rather than removing the fraudulent account. These actions are inaccurate and misleading.I have contacted Equifax directly, explaining the identity theft and requesting corrections. However, Equifax continues to make inaccurate updates to the remarks instead of rectifying the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies : Eqifax, XXXX & XXXX. These companies continue to list old debts of mine that should NO longer appear on my credit reports due to their age. 

This has made my reports look much worse than they really are ...
Product: Debt collection

Hi, i received a notice from my employer that a wage garnishment was sent to them that I owed for {$580.00}. The debt was {$260.00} and with fees increased to {$580.00}. This was from a debt in XXXX that was settled/repayment agreement. This was paid years ago. Per court records, the plaintiff reopened & was issued a judgement in XXXX. I was not notified/contacted by anyone in regards to the debt. Ive received no documentation to the validity of this additional amount owed and that the case had been reopened. This is unjust and unfair to do to a consumer. I moved in XX/XX/XXXX and find this to be deceptive business practices. If the plaintiff had attempted to contact me & validate that I owed {$260.00}, I would have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX - Following too closely, driving on wrong side/wrong direction Account name : XX/XX/2022 - At Fault Bodily Injury Accident Account name : XX/XX/2022 - Following too closely, driving on wrong side/wrong direction 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) To whom it may concern, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( XXXX ), a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), and a personal credit card opened at XXXX XXXX XXXX Bank on XX/XX/XXXX, under the account number ( XXXX ). These accounts have resulted in several hard inquiries, collections, accounts being late, along with 3 charge offs appearing on my consumer FICO credit report. I have attached a copy of the consumer FICO credit report maintained by you which shows the fraudulent items that were previously mentioned. I am completely unfamiliar with all the previously mentioned accounts, and they are all listed as charged off. None of the accounts, collections, hard inquires, or charge offs were open, made, or initiated by me. All the previously mentioned accounts are the result of identity theft and fraud. I have attached a copy of an FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, delinquency, and payment history are the result of identity theft and fraud.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW FIN SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with ( company name ) for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, XXXX years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments XXXX days late on XXXX occasions over a XXXX-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

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

This is an attempt to correct my EQUIFAX, XXXX, and XXXX  credit report ( s ). I have identified fraudulent accounts and inquiries on all three credit reports. I am requesting the permanent removal of these accounts and have them blocked from me personal report ( s ). The accounts are fraudulent, unverifiable, and violate my consumer rights. 

Accounts XXXX XXXX XXXX  XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$470.00} Inquiries 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 or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I noticed that XXXX of my payments are listed as being 30 days late in consecutive months, which is incorrect. A payment can not be marked as 30 days late in XXXX consecutive months if the first late payment occurred only 30 days past the due date. I have attached a copy of my report to this complaint on the following date XX/XX/year>. I'm not requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

Wells Fargo wrongfully closed my checking account after I was a victim of check fraud. They overdraw my account by over 2000 dollars and then the same day informed me they were closing my account and gave me no option to change the outcome of the situation. I know this to have been a regular occurrence across their bank and their dealings with other customers who have also fallen victim to similar scams. This is outright victim blaming and abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

CFPB I have a new case number with the United State Court because the last case number was closed because they didnt have all the information forms filled in which I left blank. The new case number is XXXX XXXX XXXX v Select Portfolio Servicing et al I refiled the case mostly with the documents I received from you all ( CFPB ) thank you all so so very much you all are the people XXXX angels and thank you for standing up especially for indigent and poor people, May XXXX continue to bless CFPB employees you all are the best!! Therefore Im asking for your continued assistance with the above case number. Select Portfolio Servicing did not apply 3 mortgage payments to my loan account number : XXXX now they are saying I owe payment for XXXX, this is false my mortgage payments are current please review attachments of exhibits A BC and D also they are adding late fees and increasing monthly payments to XXXX which is incorrect my property insurance went down and decrease {$630.00} dollars also before they sent out my new mortgage payments was {$110000.00} which was excessive overcharging. Also Im questioning the Hazard Insurance, why do I have hazard insurance added as Additional insured ( s ) and other additional interest ( s ) all these unknown and unneeded insurance fees and make me pay for, this is a big problem. I got a letter asking if I want to refinance or do an loan modification agreement, this is crazy when this whole loan modification was misrepresented by false documents and false insurance claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

You violated the united states code law 15 U.S. Code 1681b -Permissible purposes of consumer reports ( b ) Conditions for furnishing and using reports for employment purposes.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes particularly in the light of the recent CFPB LAWSUIT Highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution an zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicated 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 and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On Thursday XX/XX/2022 I XXXX XXXX tried contacting SoFi as soon as I saw my account was froze and I was notified to contact fraud prevention. Since then I would call multiple times a day as well as today XX/XX/2022. There is no other way to contact them and they do not call back. Now my checking account which I have the last four numbers to is completely gone and XXXX cant see or access my paycheck from work. This is infuriating. I want this resolved so I can get paid or have it returned to my company so they can pay me differently. 

I know the account was froze due to the deposits that didnt go through I was moving money around from account and made a mistake as the ones I tried moving were already in other accounts and thats why it was declined.