23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I previously disputed this account XXXX XXXX XXXX XXXX debt of ( XXXX ) stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation. Please mail me the proof of your investigation and proof that this debt collector has legal right to collect, or delete this account.
Product: Credit card

I signed up with their agent for a program where I was to make a payment of XXXX dollars a month for 3 months and at the end of that the late fees etc where supposed to be removed and I would be back on track. I did that and actually made 2 payments of XXXX dollars. One payment was made on the XXXX of XXXX for XXXX dollars another made on XXXX of XXXX for XXXX Dollars and the initial payment of XXXX made on the XXXX of XXXX. After making these payments absolutely nothing happened and when I called first I was told it could tak a few days for it to reflect ok fine. I called back a few days later and was told I was being transferred to someone who could help and the phone went dead they hung up on me. That happened 3 times. I tried again today and was told since my first payment wasnt made before the XXXX th it didnt count I did not start the program till the XXXX and when I spoke to their agent a few days before I was told and I quote you should be fine as long as the payment is made before the end of the month. Funny they have no recollection of that call wonder why? Then today their agent after again insisting that I signed up online and should have made the payment on the XXXX th. That he could enroll me in their special zero interest program for 6 months. I told him I will want that in writing since you have already lied to me I bluntly do not trust anything you say over the phone. He told me he cant give me that in writing but would I like to sign up. I hung up. The agent earlier today told me if I pay XXXX today mind you I already paid XXXX this month I wouldnt owe anything till my next month payment of XXXX. I have been lied to gaslighted hung up on several times and am not at all happy
Product: Debt collection

I pulled my credit report on   XX/XX/XXXX     and noticed that  CMRE Finance  had reported to the  Credit Companys an account for {$120.00}. According to the Credit report  XXXX , it had been opene d on   XX/XX/XXXX    . I have not received any information in regard to this debt at all. No information was received by them until I mailed them dated  XX/XX/XXXX    .  <P/> I immediately certified a letter to CMRE dated   XX/XX/XXXX     requesting proof that the aforementioned account was mine. I also asked for detailed proof that I agreed to pay the account, a detailed explanation for what the account was for or services rendered, and to provide the Creditor and current contact information for the debt you say I owe.  <P/> On   XX/XX/XXXX  , I received a letter dated  XX/XX/XXXX   from  CRME Finance  that included  4  pages ( see attached ) that shows  4  different accounts that do n't even add up to what they reported to the credit companie s. Two of the accounts look to even be duplicates. I did not receive any proof that they were mine and that I had agree d to pay them.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 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: Prepaid card

Hello I was gift XXXX vanilla gift card both of which i have not been able to use anywhere as advertised. I am extremely disappointed in the company as well as their customer support. This is false advertising and the company is a total scam. Do not buy and do not gift. The recipient will be extremely disappointed.
Product: Credit card

In XX/XX/year>, Is selected my 5 % cashback rewards for the following quarter of XXXX XXXX and XX/XX/year>. My 5 % cashback for rewards were television and XXXX. 

In XXXX, I received my 5 % Cash Rewards for charges made to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I earned a 5 % cash reward of {$15.00}. 

In XXXX, I made the following purchases. 
XXXX {$49.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$60.00} The total of these purchases was {$300.00}. 
My 5 % XXXX reward shouldve been {$15.00}. 
Instead, I only received {$3.00}. This was a 1 % cash reward instead of a 5 %. 

In XXXX, I earned 5 % Cash Rewards on purchases from the identical companies listed above. 
XXXX, XXXX if XXXX and XXXX XXXX XXXX. 

I went to the local bank branch and talked to my banker about why I had not received 5 % Cash Rewards in XXXX. She called her contact and the credit card company and my banker called me back several days later. She was told that my 5 % rewards should be on my statement the end of XXXX. However, they were not. I only received 1 % Cash Rewards back for the month of XXXX. 
I called the credit card company and discussed the problem with them. They said they would get back with me in several weeks. I received a letter from them two days ago, which I have attached. They claimed that I did not enroll in my category selections until after my charges were made XX/XX/XXXX. My category selections were not activated until XX/XX/XXXX. This was very perplexing to me as I had activated the cash back quarter selections in XX/XX/year>. I also had received 5 % Cash Rewards in XXXX. Yet they told me that I did not activate my quarterly categories until XXXX. 
I think I can explain the confusion. After I made my category purchases on XX/XX/XXXX, I received an email from the credit card company. The email advised me to activate my cash back categories for XXXX, XXXX and XXXX of XXXX 
I was very perplexed by this because I had already activated my categories in XXXX. 
To prove this, You can see that I had already received my 5 % Cash Rewards in ApriI! I just assumed that some sort of error had been made on the part of the bank. So I went ahead and clicked on the link to get into the credit card website. It looked like my cashback rewards for the months of XXXX XXXX, and XXXX had been selected and already locked. So why did they send me an email telling me that I needed to select my categories again? I went ahead and selected my categories again and locked my selection. I am enclosing an email that the bank sent me dated XX/XX/year> confirming my category selection. 
It was because the bank sent me an email in XXXX telling me to make my cash reward categories selection for the months of XXXX, XXXX, and XXXX that caused this confusion.
Product: Credit card or prepaid card

Capital One Credit Card closed my Account without any notification nn the XXXX of XXXX. I had paid my account balance down from XXXX to a Balance of {$190.00} on the XXXX of XXXX. I had made payments on time and the balance report after closing my account is inaccurate and as a result dropped my credit Score by a total of 50 points. 

My Credit Report is still showing a balance of {$450.00} rather than {$190.00} which as a result drastically Increased my overall credit Usuage to 154 %. 

I contacted the Bank to accurately report the right information and, Advisor said its the Credit agencies job to report ...

I would like Capital One Credit Card to report the right Information has this has significantly impacted my Credit.
Product: Checking or savings account

On XX/XX/2024, Wise closed both my business checking and personal checking accounts. I received a payment for about {$23000.00} this same day, most a few hours before my Wise account was closed. I contacted them for this money, and they say it was never received. However, the platform which sent me the payment indicates the money was sent to this account.
Product: Vehicle loan or lease

Was off work from XX/XX/XXXX till XX/XX/XXXX due to medical reasons had XXXX XXXX done. During that time period I was making my payments even though I had no income rolling in. When it got to XX/XX/XXXX I was running short on money I asked for an extension on my car loan it was granted until the XXXX of XXXX I made a payment in XXXX I made all the payments except XXXXXXXX XXXX XXXX was made and then reversed because for some reason it took them almost two weeks to take the payment out of the account and it was no longer in there! During all this I thought I was fine so I missed XXXXXXXX XXXX payment some how but made XXXX payment and all the payments since as well as making two payments in XXXX! But they destroyed my credit from XXXX to XXXX by saying I missed 4 payments which is not true I missed two and one shouldn't have been my fault idk why it took them so long to take the money out of the account but anyway after making these payments my statements where not changing they started getting to where I owed more and more and more which don't make sense then the last three months statements they stay the same stating I owe the same amount even when in XXXX I made two payments instead of one I should only be behind one payment not 4 and the amounts are way off they have destroyed my credit and charging me misc charges that I don't even know what they are which pretty much total a loan payment on there own but the amounts never seem to decrease.
Product: Credit reporting

I recently got my credit report which showed my credit scores. XXXX and Experian 's have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY as XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for XXXX Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX had pulled it as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX pull it XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the ones that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is continually reporting inaccurate and misleading information on my credit report. I have filed several disputes and they were good at taking care of inaccurate information before. According to the FCRA there is still inaccuracies being reported and Transunion has stated that the information has been verified without providing any proof, documents, signatures, proof of contact directly from the bankruptcy court, etc. The courts have communicated several times they do no speak with or communicate with any credit reporting agencies therefore it can not be verified directly from the source. They are obtaining this information from a third party reporting agency and all of those reports are locked so there is no access to them. I have also several address that do not belong as well as my employer listed. This reporting is causing harm with trying to qualify for a mortgage so my children and I can find a home. This is beyond stressful going back and forth over two years trying to get the correct information reporting. They can not furnish proof ( verifiable ) then by law they have to remove this inaccurate information. At once. I will not rest until my credit reports reflect the real financial situation and not what they feel like reporting. Please assist me with contacting Transunion to have all of my disputes removed and not to return.
Product: Money transfer, virtual currency, or money service

Im formally express my concerns regarding Zelles 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 Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. Gap coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to XXXX XXXX the contract was determined to be either incorrectly stated or omitted for XXXX XXXX contract by dealer. This was not my error and XXXX coverage was selected and should have covered the difference and therefore no remaining balance was due. Ally and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned XXXX XXXX  on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.
Product: Credit card

I have a chase freedom credit card. I always pay on time and pay in-full. My last day of payment is XXXX of every month and I got late by 1 hour and Chase charged me {$25.00} fee + interest. I requested Chase by calling their customer care but they refused to help OR waive-off fee. So I end-up paying late fee but than I requested chase to set-up automatic payment on my account so that next time it does not happen. This incident happened last month in XXXX 2016. Now again on XXXX XXXX, I got lat by 1 hour and called the customer care at XXXX of XXXX XXXX ( ideally it is night of XX/XX/XXXX ) and requested them that I want to pay full bill but please remove this late fee. they refused to do that again. Now I have set-up automatic payment in my account this time. But I do not want to pay this late fee again and again for no reason. It feels like exploitation even after being a loyal costumer for last so many years. I feel it is cheating/exploitation from Chase side. I have not paid my credit card bill yet but I am very much willing to pay it in-full once CHASE remove all charges. When I spoke to CHASE customer care supervisor ( her name is XXXX and she is in OH office ) and before that spoke to a representative ( her name is : XXXX and she was very rude and that 's why I requested her to let me talk to her supervisor ). No matter what I say to them, their answer is same and something like " Sorry we really can not help in this regard ''.
Product: Credit card

In XXXX of last year, my mailbox was stolen, which included credit cards ending in the last XXXX digits XXXX and XXXX. Subsequently, we received XXXX emails from the Bank, Wellsfargo, regarding unusual activity on my card. We promptly reported that these were not our transactions, and the matter seemed to be resolved. 

However, I later discovered that the balance on the account ending in XXXX had increased significantly, up to approximately {$2600.00}, without my knowledge. Immediately reported this to them, the unauthorized balances were removed, and a new card was sent to me. It's crucial to note that we never activated this new card. 

Despite this, the same unauthorized charges appeared on a new account. So I and my wife visited a Wells Fargo branch and opened a fraud case ( XXXX, account number ending in XXXX ). 

We are deeply frustrated by the lack of progress in resolving this issue. After receiving XXXX emails from the bank stating that more time was needed to investigate, we did not hear anything further. When I followed up via email, I received a phone call stating that the case had been closed, and that if we wished to pursue the matter, we would need to open a new case. After that, I requested to open this as a new case for several times, but I can not hear anything from them until now. 

During this ordeal, we have incurred approximately {$350.00} in interest charges. I kindly request that you escalate this matter to the appropriate department for a thorough investigation and resolution. 

I appreciate your attention to this matter and look forward to a prompt and satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times uploading my FTC report for the XXXX XXXX XXXX XXXX for reporting on my Experian credit report. It won't upload!
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address multiple credit report inaccuracies and instances of potential identity theft. Unverified Debt and Lack of Proper Documentation : I have noticed a credit card account reported by XXXX XXXX that has been charged off. Despite this action, I never received a 1099-C form for the alleged cancellation of debt as required under IRS regulations . I request that XXXX XXXX provide a copy of the 1099-C form if this debt was indeed canceled. Otherwise, this account should be removed from my report for non-compliance with reporting requirements. Unauthorized Collections Accounts : The following collections accounts have appeared on my credit report, which I believe are fraudulent and not my responsibility : XXXX XXXX  {$5000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  {$3700.00} ( Original Creditor : XXXX ) XXXX {$3400.00} XXXX XXXX  {$300.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ( Original Creditor : XXXX XXXX ) These accounts have not been validated with proper contractual agreements showing I owe these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), these should be removed if validation is not provided. Unauthorized Hard Inquiries : My report includes several hard inquiries that I did not authorize. The following inquiries are listed : XXXX ( multiple inquiries between XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization, and these entries violate my rights as a consumer. Victim of the XXXX XXXX XXXX : I was affected by the XXXX data breach, which exposed my personal information. As a result, I am at increased risk of identity theft. The fraudulent activity on my report may be linked to this breach, and I have taken the recommended step of filing an identity theft report. This report should be considered as evidence that fraudulent accounts and inquiries may have been opened without my knowledge or consent. Requested Resolution : I request that : All unauthorized inquiries be removed from my report. Any collections accounts without proper debt validation or contractual agreements demonstrating my liability be deleted immediately. The charged-off XXXX XXXX account be reviewed for compliance with tax reporting requirements, and I be provided with a 1099-C form if applicable. Otherwise, this account should be removed for non-compliance. I ask that all actions be taken in accordance with my rights under the FCRA and FDCPA, ensuring my credit report is accurate and free from fraudulent activity.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX