23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024 a transaction of {$720.00} was taken from my SoFi checking account. I didnt make this purchase. I informed the bank about the issue and they denied the claim and are unresponsive to my appeal and my request for how they made the decision.
Product: Debt collection

I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter its verified FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit card

This is regarding the original complaint that I wrote to you about. On XX/XX/year>, Barclaycard added an unknown and unauthorized user to my account without notifying me in any manner, no phone call, no email, no text, they simply added a total stranger to my account and have yet to remove the charge. The credit card company, Barclaycard responded by adding the fraudulent charge of {$110.00} to my card a second time, thereby doubling the charge and then crediting {$110.00} once, therefore not actually crediting the fraudulent charge that was made to my account on XX/XX/year>. I keep a XXXX balance on my credit card and meticulously paid for all my other charges other than the {$110.00} plus any interest that they have been accruing. My balance should now be at XXXX, but is still showing a balance that I do not owe. I have tried to call Barclaycard, but no one in the company knows how to resolve the issue. They pass me from department to department and no resolution is ever made. This is my last attempt to have them remove the fraudulent charge before I have no other choice than to take legal action against them.
Product: Credit reporting or other personal consumer reports

This is my follow up and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct them from my personal credit file : XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$560.00} XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$210.00}.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and Potentially Fraudulent Accounts on Experian Credit Report Dear CFPB, I am writing to formally dispute the following items reported on my Experian credit file. These accounts are either inaccurate, unverified, or potentially linked to a data breach affecting my personal information. I request that these accounts be thoroughly investigated and, if found unverifiable or erroneous, removed from my credit report immediately. 

Disputed Accounts : XXXX XXXXXXXX : XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccurate or unverifiable information on my credit report. Additionally, under 15 U.S.C. 1681e ( b ), Experian is obligated to ensure the maximum possible accuracy of the data they report. 

Given the recent national data breach affecting credit-related institutions, I believe some of these accounts were fraudulently opened or inaccurately reported. 

Thank you for your immediate attention to this matter. I request confirmation once your investigation is complete and action is taken. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had confirmed a reservation with XXXX XXXX on XX/XX/XXXX XXXX total I paid XXXX. On XX/XX/XXXX, I received a email stating my reservation had been cancelled due to Coronavirus pandemic. They told me I had to call my bank to get the total of my money back. The bank told me it takes 90 days for them to investigate the claim, 90 days was up and I received a letter telling me they had denied my case. And I had to go to XXXX to get my money. I had talked to a supervisor at XXXX, and they said I had to go to my bank. They keep giving me the run around and here it's XXXX and I still haven't received my money. And I need the money to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent disputes out to Equifax and they have taken longer than 30 days to respond to my dispute. I am attaching the receipts of certified letter which shows they received my dispute on XX/XX/XXXX and they did not start investigation until XX/XX/XXXX. They are in direct violation of the timeline to complete a dispute in the 30 days.
Product: Debt collection

I have been trying to get in contact with this collection agency for a while, never seem to get a response. Most recent letter was sent XX/XX/2022. 
Amount XXXX
Product: Credit reporting or other personal consumer reports

This account was closed on the following date ( XX/XX/year> ) Since then the account has repeatedly been reporting active payment history on XXXX. This is an update in the payment history, A closed account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name XXXX XXXX Account Number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on payment of credit cards recently, XXXX and experian should update credit score to more than XXXX as XXXX did it to support middle class family and children XXXX XXXX and experian are slow to update, it can bother peopleslife
Product: Credit card

I received a prepaid card.com visa debit card in the mail with my name on it. I did not order this card, I tried calling customer service, and it asks for my full Social Security number, which I am not entering.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bankruptcy XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Closing Date XX/XX/17, Court/ US BKPT CT NJ XXXX XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Court/ Federal There is inconsistency furnished across the bureaus and incorrect dates.
Product: Credit card or prepaid card

I have an account with B J 's Capitol One the last XXXX digits are XXXX. I spent XXXX hours trying to get a replacment credit card. I was unable to interface with the technology at Capitol One. THis means I can not identify my self to their satisfaction and I will not be receiving a new card with the old number. I am charged {$55.00} each year for my BJ ; s ' memberhsip. Capitol One uses the permission I granted to BJ 's to charge the membership to XXXX XXXX. TOday speaking with XXXX for XXXX minutes I was unable to verify that the {$55.00} was refunded via my XXXX XXXX account. 
THe case number is XXXX. I do not want a Capitol One account of any kind. XXXX was eithe unable or unwiling to verify that the refund had been issued. This type of scam happens more and more with consumers. Yes we live in a digital world but companies must deal with consumers and resolve problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called to request a new service from XXXX. But, on XX/XX/XXXX I called to cancel the order since I did not recieve the product. Months later, around XXXX, XXXX, it appeared as a delinquent account with a balance of {$97.00}. On XX/XX/XXXX, I called to solve the issue directly with XXXX. It appeared on their notes that I did called to cancel the order, but they did not do it. Nevertheless, they adjusted the balance to XXXX and notified the undisclosed ( to me ) collection agency. 
The account was pulled out from my credit report, but a year later ( XX/XX/XXXX ) it appeared again as a derogatory account. I filed a dispute with XXXX and before the 30-days investigation period ended and without notification, they closed the dispute and did not solve the problem. They did not inform me of this action. On XX/XX/XXXX, I called XXXX to see what happened but they only said I had to file another dispute, which I did. 
After many calls and tries to XXXX to find the account and any information to supplement the dispute, on XX/XX/XXXX I finally got an answer. The account was archived so that is why it never showed up on calls. The information I was given is as follows : the account was fully cancelled on XX/XX/XXXX, that the balance was adjusted to {$0.00} and that it was reported to the collection agencies, and that the collections agency should have reported this in at least 90 days. But a year after, they reported it as derogatory. There is nothing XXXX can do according to the call since they reported it and it's the collection agency 's fault. But I was not informed which collection agency or how to contact it, and that they canno provide any deletion letter or any other documentation since the account is archived. 
The only thing left is to file complaints and supply letters with information I have collected through this year as evidence. This process has already affected me emotionally and economically since I was denied personal loans offers by two companies and can not apply to others with credit score minimum requirements
Product: Mortgage

I was trying to refinance my mortgage and I was convinced by the agent from Loan depot that my loan would be approved and he promised my every thing would be Ok. after checking my credit and debt to income ratio, he said that it was a done deal. 
I again asked since I was concerned that what would happened if the appraisal did not come as he confirmed thru XXXX and he said that they have a lot of other programs that I can qualify. he also said that I can pay for an appraisal and if it comes low that my payment for the appraisal would be refunded. 
Everything was a lie. when the appraisal came at XXXX not the expected XXXX he simply said that nothing could be done. he never contacted me again and I wanted my appraisal fee refunded when he promised that it was going to be refunded. after I asked to speak to a manager he called me just to let me know that the only way I could get my refund is if I had refinance my mortgage with loan depot which he forgot to mention when he just said that my appraisal fee would be refunded. be careful with them since they do not tell you the whole truth and they will lie at everything. I am still waiting for one of their manager to contact me after 7 months still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Got charge a fee for a debit that batch days later. I also requested that no transactions go threw if the money is not there. It seems the bank just after fee 's
Product: Checking or savings account

In XX/XX/2017,, Bank Of America sent me a special promotion to open a saving account and deposit for {$20000.00} to receive {$200.00} opening bonus before XX/XX/XXXX, I opened one on XX/XX/XXXX and deposited {$20000.00}. It says I will receive the {$200.00} within 3 months. However, I still not get it within 3 months. Then I called Bank Of America for more than 4 times, after verifying my information, they just told they will sent the bonus for me in few days. However, I never get the bonus they promised.
Product: Credit card or prepaid card

I have numerous disputes on this card, I have taken it as far as their Executive offices and had no help. Because of the number of disputes where I have been charged double for hotel stays. Once on the online booking sites and once at the hotel where I paid my bill.

I am now trying to reconcile this but it is very difficult as I have about 4 different account numbers due to them cancelling my cards numerous times. My credit score has dropped from XXXX to less than 600. I have spent hours trying to reconcile these charges and will continue until this is fixed. 

As the result of your previous investigations got me nowhere and they are saying I owe them the money. I will reconcile this account and then pay only what I owe. If Chase continue this they can take me to court. I've had ENOUGH!!!
Product: Money transfer, virtual currency, or money service

I am writing to 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 reversing 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 allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I keep disputing and the debt collector removes then add it back to my credit report. My Identity has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.
Product: Checking or savings account

Multiple Daily NSF Fees assessed overdrawing my account by nearly {$1300.00}. I reached out to Chase branch XXXX XXXX XXXX XXXX by email for assistance in correcting the rash of overdraft fees which are greater than 30 at this writing. He has not responded nor have any corrections been made to assist with this issue.
Product: Credit reporting

I submitted a request for a Security Freeze because I am a victim of identity theft. I have sent the request twice and they have continued to reject my request and not protect my credit althought I sent police report, drivers license, ss card and proof of address. I sent certified on XXXX XXXX XXXX and XXXX XXXX XXXX. I sent for my wife XXXX also. XXXX have not been responded to. They signed for XXXX letters
Product: Money transfer, virtual currency, or money service

Ive reported many of transactions that were taken from and never once got a refund for any.
Product: Credit card

I am following up on CGPB Case XXXX. I received a letter from Synchrony Bank in XX/XX/XXXX stating a resolution to the outstanding complaint and at the same time, received their updated billing statement which does not match the commitment made on the letter. Please see the attached.
Product: Mortgage

I received an Eligibility Notification in XXXX of 2020 from Arcus Va Mortgage. The notice mentioned no minimum credit score, up to {$5000.00} in escrow refund, no mortgage payment for two months, no appraisal needed, no money oit of pocket and no income or employment. The letter mentioned my rate could be as low as 2.75 %. I called in XX/XX/2020 and verified with the representative my eligibility and they said Yes, I was eligible and the benefits were..No Min Credit Score and verified the previous benefits. Once we applied they pulled our credit and stated that they could do 3.275 % .I agreed and signed documents. Two weeks later I get a call from XXXX the owner who says he can't do 3.275 % because guidelines changed and my husband score was too low. He said he can only do 3.8 % I agreed to that interest rate. I received an text message on XX/XX/XXXX stating that my loan was sent to underwriting and I would be skipping two months payments. I followed up the next two weeks and the representative text me back saying it would take 30 days due to covid for the loan process. I waited until the end of XXXX and I heard no response from several attempts to contact this company. Today. I received an email that states that my husbands score was too low. The problem I have is how long I waited to hear this after they told me no minimum credit score. Somoeone should stop this predatory practice. Stop scaming clients out of wasted time, money and emotional distress when you knew that you were not going to do the loan. This is bait and switch tactics.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

I want the CFPB to publish this description on consumerfinance.gov so that
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and experian won't remove my fraud alert or freeze
Product: Credit card

On XX/XX/XXXX, a Chase Amazon Visa was fraudulently opened in my name and a charge posted on XX/XX/XXXX in the amount of {$220.00}. i visited the Chase branch shortly thereafter and disputed the fraudulent charge and requested a refund to my bank account that was impacted.

I later received a letter from Chase bank that {$190.00} would be refunded to my checking account. The letter stated a minimum payment of {$35.00} would still be due on the credit card and {$35.00} was added to the account balance and due. 

I was confused and visited the Chase branch once again on XX/XX/XXXX advising that the card should have been closed per the banker on the first XXXXhase visit, as it was fraud, but the account was still open. The banker called the credit card fraud department representative who confirmed {$190.00} that was charged by the bank will be credited and closed. 

However, I advised the representstive that I was still awaiting {$35.00} refund that has not been given. 

I am still awaiting this {$35.00} refund to date. I called the Chase customer service number on the bank of my credit card and confirmed this credit card is closed even though I couldnt verify the credit to offset the charged amount of {$190.00}.
Product: Debt collection

Has threatened me with my IMMEDIATE ARREST. This debt collection attorney has stated that a bench warrant is PENDING and it was going to be UNPLEASANT FOR ME. 

I AM A XXXX VETERAN. I have XXXX AND A XXXX XXXX XXXX. This situation has caused undue stress and hardship on me.