23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

While I was traveling in XXXX, I received three  fraudulent charge from XXXX. Two on XX/XX/XXXX charged to my XXXX XXXX ( {$260.00} and {$220.00} ), and one charged around on XX/XX/XXXX to my Capital One XXXX ( {$230.00} ). XXXX reached out to me immediately noting the charges as fraud. It took me a day or two to realize there was also a charge on my Capital One debit XXXX. I reached out to both XXXX and Capital One, explained the situation, logged fraud investigations, and both accounts were closed and new credit cards issued. I also filed complaints with XXXX. Through much back and forth with XXXX, the charges of {$260.00} and {$220.00} on my XXXX XXXX were credited. The amount charged to my Capital One debit card was not. Last week I received an email from Capital One that XXXX provided all the necessary paperwork to prove the charges were valid. I called Capital One and explained that the charges were not valid. I was told that I had to provide more information from XXXX - like copies of my conversations with XXXX. I explained to Capital One that XXXX doesn't provide access to " closed communications '' and my previous XXXX to XXXX support cases were closed. XXXX does not provide a phone number, only a chat/email option in their app. I opened a new case with XXXX. XXXX saying the can not resolve the issue without my first XXXX digits, last XXXX, and the expiration date of the card used. I called Capital One and asked for this information. I was told this is not information Capital One will provide. I asked what I should do since XXXX is saying that can't resolve this issue without that information and Capital One is saying they won't provide it. I was told that I need to get " more info from XXXX. '' I asked what additional info I can provide and again I was asked to provide my previous chats with XXXX- which is something XXXX won't provide. I explained the predicament - both Capital One and XXXX are asking me to get information that neither organization will provide. I have opened another case with XXXX. XXXX is giving me automated messages and still asking for the first XXXX, last XXXX, and expiry of my debit card. I can't get any help from XXXX. I have sent this same information to Capital One via email and they have not responded. I am at an impasse with being able to resolve this.
Product: Money transfers

On XXXX/XXXX/2015 I have made a money transfer to XXXX through WESTER UNION service for {$120.00} plus XXXX fee charge. Making a total of XXXX using my debit card XXXX XXXX XXXX. 
But them I call them right away to make this transfer to be canceled, they have pomiise meThey will returned my money into my bank account, I wait for my refund that never happened I have make several calls to them they said they are working on this issued Also they said my refund will be on my checking account in XXXX hours .but nothing has been doneSo can you please help me with this situation
Product: Mortgage

My husband passed away    XXXX   XXXX  .  After I received letters of testamentary, I presented this document along with death certificate to payoff outstanding loan on the  coop ap artment that was in his name. I paid off the mortgage at the bank branch  Citibank  in  XXXX , New York on   XXXX   XXXX   XXXX   in the amount of {$73000.00}. I was told I would receive coop documents and stock certificate in the mail. I continued to receive mortgage statements from citibank, and when I called Citibank mortgage department at phone number  XXXX  in  XXXX  or  XXXX   ( un sure of date ) I was told that loan was not processed as paid and that they would take care of the situation. I received another mortgage statement in  XXXX , and I called  Citibank mortg age again on   XXXX   XXXX   XXXX     I asked to speak to a supervisor, and she told me that closing date would be    XXXX   XXXX   XXXX    and I would receive stock certifica te 2-3 da ys later via  XXXX . When I called to follow up on  XXXX   XXXX ,  XXXX  I cited the case number and was told no notes were made and no actions had been taken. I again asked to speak with a supervisor who told me that the closing date would now be  XXXX   XXXX ,  XXXX  and it would take 30 days  for county regist er to send the documents. The entire process has been confusing and unclear to me, and Citibank continues to give me a different answer each time I speak with someone.
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 Zelle 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. The lack of transparency and accountability raises serious concerns about consumer safety.
Product: Vehicle loan or lease

My car dealership repossessed my vehicle XX/XX/XXXX after a four day late payment. My contract stated that i had 10 day grace period to pay my car payment. He also took a {$150.00} money order that was not signed and refused to give it back.
Product: Credit card

On XX/XX/year> I opened a XXXX with XXXX XXXX XXXX to have available for balance transfers. I called Chase bank @ XXXX and asked for my {$11000.00} balance to be transferred to my XXXX XXXX, well instead they made payment of {$11000.00} and charged me {$570.00} transaction fee, so things got all twisted with payments and transfers between both banks. I went to the XXXX XXXX XXXX to get it all straight because Chase would not listen to what I was telling them about their mistake, I have made multiple phone calls to try and get this fixed with language barriers and attitudes from Chase. My credit union has been able to get everything straightened out correctly. I am asking Chase to refund the fee and the interest charges that total {$700.00} to my Chase Freedom card, because I do not owe those fee 's. This was their error of miscommunication that turned everything into a huge mess. I spoke with a supervisor named XXXX today XX/XX/year> about refunding this {$700.00} to my account and she states it can not be done because the disclosure was read to me. In my understanding of all of this the transfer was being done, I have never done transfer before and didnt understand the fee and with the language barrier and making me feel like the transfer was being done, it happened, and once I immediately saw they made a payment instead I called them to get this handled and I have spoke to multiple people and I cant get them to resolve the problem and that even includes going into Chase bank and speaking with a banker there that acted like he didnt have the time because he had an appointment and he just had a bad attitude and his actions while listening to us tell him the problem. I dont remember his name, but I can get it if need be. I just want Chase to own their mistake and reimburse the fee 's and interest on my Chase Freedom card. I am trying to get out of debt not into more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to get Acct # XXXX from the XXXX XXXX XXXX XXXX removed from my credit report. You are reporting information about me that inaccurate All three credit bureaus are reporting different high balances and last activity date. There can only be one high balance. This account has been verified. Delete the following account immediately for failing to comply with FCRA. Please remove from all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending written correspondence to XXXX, XXXX and Transunion since XXXX of this year to try and get some help with the inaccurate information about this XXXX XXXX account. 

Initially, in XXXX I spoke with customer service at XXXX XXXX about the inaccuracies found on my credit report about late payments. The customer service representative told me that there was nothing they could do and that I should dispute them inaccuracies with the credit bureaus. 

I proceeded to reach out to the XXXX, XXXX AND TRANSUNION for assistance. It has been a total fiasco. Neither bureau has provided any records to support the information that is being reported. 

Each round of written correspondence would result in small changes, but newly updated inaccurate information. For example, most recently they changed a late payment in XXXX to on-time and then made a XXXX payment late. 

I do not know if they think this is a joke or if there is just a problem with the system, but I am very frustrated and concerned that I will not be able to get the information corrected nor the supporting documents. I have been working really hard to clear up discrepancies and have a positive payment history for the past 2 years with this account. 

There are also comments that say the car was repossessed. This was during XXXX, I fell behind on the payments. The car was towed from our driveway at about XXXXXXXX XXXX  and we paid and had the car back in our possession before lunchtime the very next day. 

I've asked XXXX XXXX and all XXXX Bureaus to possibly remove or amend the comments, but to no avail.
Product: Checking or savings account

I have been a loyal Credit Karma account holder for years. Ive always had my IRS check deposited into this account with no issues. As of late many Credit Karma clients have had their accounts closed with no factors disclosed. If you check XXXX, you will see many clients have this issue with their account being locked while either having an IRS deposit on the way direct deposit on the way, or having funds already established in the account in which they have no access to.

According to the FDIC, we are entitled to our money up to a certain amount, so Im not understanding how this is legal, as well as possible. I have a current check on the way from the IRS that will deposit within XXXX business days but I wont be able to have access to it, as they have locked my account and refused to disclose any information as to why or how I can get it reopened. Its nearly impossible to get a hold of customer service via phone. This will be taken up to FDIC to get my wages sent to me in good hands. Hopefully it can include interest.
Product: Mortgage

My husband passed away and I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney submitted a complete financial application on X/XX/2017. Since that date Bayview has been sitting on my paperwork and allowing it to expire and then asking for updated paperwork again over and over. They have had a complete file now at least twice since X/17. My attorney states they are stalling purposely and evading review by asking for updated paperwork over and over. According to my attorney they are violating RESPA Regulation X ( 1024 ).
Product: Mortgage

Reporting in accurate information on my credit report I am in and have been in active chapter XXXX bankruptcy since XXXX XXXX. My loan was purchased by SN Servicing and since they received it they have been reporting my mortgage payments 90 days late for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. They should not have been reporting my payments late as I have been paying my Trustee a month ahead and while I am protected under BK they should n't be reporting. They are now paid in full as agreed and I ca n't get an apartment or mortgage because of these negative marks. I have called them and spoke with XXXX and her Manager and they advised me to dispute through the credit agency I just need a letter stating this information they reported is inaccurate so I can obtain approval on a purchase but they refuse.
Product: Credit card or prepaid card

I made two separate payments on my Target store credit card. XXXX on XX/XX/2023 for {$100.00} and another on XX/XX/2023 for {$300.00}. The payments were removed from my account on XX/XX/2023 and XX/XX/2023 respectively. Both payments are showing as posted on my credit card account, but without updating the available credit or actually giving me credit for the payments. I have contacted the company multiple times by phone and messaging. I was told because I made multiple payments over the billing cycle, all that cleared with no problem, they have to call so they can verify the payments with the bank. These payments were made using an account with the online banking XXXX, which they now say they can not call and verify. All I am being told now is I need to wait and there is no additional action I can take. This was told to me by a supervisor.
Product: Credit card or prepaid card

Today XX/XX/2020 I asked to be included in the hardship repayment program at kroger rewards world mastercard and I was turned down even though I am XXXX and very low income. They said I had to be overdue or negligent to qualify. I try to pay what I can. I do not believe this is fair since I am XXXX and low income.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Jefferson Capital I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$12000.00}, Original Creditor XXXX  ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3200.00}, Original Creditor XXXX  ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2700.00}, Original Creditor XXXX  ), XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2400.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$2400.00}, Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$390.00}, Original Creditor XXXX  ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement.

Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consu
mer files, which has not been upheld in my case.

Reporting inaccurate information violates 15 U.S. Code 1681s-2, which prohibits the reporting of incomplete or inaccurate information to credit bureaus.

Summary of Errors and Discrepancies : Account Number : XXXX. 
High Balance : {$0.00} ( discrepant from other bureaus ).

Balance Owed : {$170.00}. 
Date of Last Payment : XX/XX/XXXX. 
Two-Year Payment History : Late payments inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. 
Account Description : Secured credit card, marked as " Amount in H/C column is credit limit, '' but conflicting details in payment timelines and balances. 
Impact on Creditworthiness : The discrepancies in the reporting by Equifax have caused significant damage to my creditworthiness, leading to denial of financial opportunities and undue stress. Accurate and complete information is critical for fair treatment in financial decisions.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction.

Assurance that the reporting will be accurate and consistent moving forward.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 29 ) financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, tenant background check companies can not report most negative information for example, most civil lawsuits and judgments, including housing court cases, and arrest records after seven years. Bankruptcies can be reported for 10 years. However, there is no time limit for criminal convictions. Other laws, including the Fair Housing Act ( FHA ) and state or local laws, may have more restrictions on what tenant background check companies can report. FHA restrictions are described in more detail later.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

FACTS : Caliber improperly deducted two XX/XX/XXXX payments from my bank account via auto-draft on XX/XX/XXXX. From XX/XX/XXXX into the last week of XXXX, my account was showing due for XX/XX/XXXX ( due to the double payments ). 
Caliber reversed one of the two payments from my account before XX/XX/XXXX. My account was then showing and is now showing due for XX/XX/XXXX. I have never received a refund of the improperly deducted second payment amount of {$1000.00}, and it is not reflecting on my account! 
I discussed this with XXXX XXXX from Caliber by telephone ( after waiting over 40 minutes to speak to someone ) on XX/XX/XXXX. XXXX XXXX told me o Caliber converted to a new system and has a backlog o The duplicate payment was reversed and is in suspense o The duplicate payment should NOT have been reversed more than five weeks after the error occurred, which made my loan due for the XX/XX/XXXX payment o The payment in suspense will be re-credited to my account ; but at an unknown time, due to the backlog o In the event that the payment is not re-credited by the late charge date, I will have no late charge assessed nor will I have any impact to my credit report Caliber sent me a letter dated XX/XX/XXXX informing me o I owe Caliber {$2000.00} that is two payments! 
o There is no mention of my payment Caliber is holding @ {$1000.00} ( from the improperly duplicated debit to my account for two payments on XX/XX/XXXX )! 
o Caliber WILL report me to the credit bureau if I do not make the demanded payment by XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

-- This complaint is made by the consumer and NOT by a third party. 
-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT - ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. [ 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) - Civil liability for willful noncompliance ] -- letters have been sent certified mail and return receipts have been received by me.

[ 15 U.S. Code 1681c ( a ) ( b ) ( 5 ) - Requirements relating to information contained in consumer reports ] [ 15 U.S. Code 1681s2 - ( a ) ( 1 ) ( A ) ] [ 15 U.S. Code 1681 ( a ) ( 4 ) ] -- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : - ( 1. XXXX XXXX XXXX XXXXXX/XX/XXXX - ( 2. XXXX XXXX XX/XX/XXXX - ( 3. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - ( 4. XXXX XXXX XX/XX/XXXX - ( 5. XXXX XXXX XX/XX/XXXX - ( 6. XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - ( 7. XXXX XXXX XXXXXX/XX/XXXX - ( 8. XXXX XX/XX/XXXX - ( 9. XXXX XXXX XXXX XXXXXX/XX/XXXX - ( 10. XXXX XXXX XX/XX/XXXX - ( 11. XXXXXXXX XXXX XX/XX/XXXX - ( 12. XXXX XXXXXX/XX/XXXX - ( 13. XXXX XXXXXX/XX/XXXX - ( 14. XXXX XXXX XX/XX/XXXX - ( 15. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

A balance refund check which I didnt ask for was supposedly mailed to me for XXXX for the account ending in XXXX. I say supposedly because despite being reissued twice they never show up. Now when I try to get it sent a 3rd time, they just ask me a XXXX security questions and bounce me between departs, for hours. Its clear the goal is to make me give up and they hope to steal the money which again, I never asked to be refunded.