23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Around XX/XX/XXXX, I made a purchase of Jewelry of about {$6000.00}. Three weeks later, I returned it for a full refund. A few days later I called and cancelled the card, but noted there was interest of {$31.00} ( ttl fees charged in'XXXX= {$12.00}, ttl interest charged in'XXXX= {$19.00} ) .I was assured by the agent nothing was due, since that time I have received a bill that shows New Balance {$31.00} Min Pmt the words : DO NOT PAY. 
Today XX/XX/XXXX, I want the statement to stop and asked why this amt still shows, the answer provided was that ( 1 ) we charged interest. I asked if the account is on 30 day cycle and the product was returned within 21 days, what are you charging interest on? He kept repeating " we charged interest '' I simply need that amt removed to my " closed account '' and a letter acknowledging the account is closed w {$0.00} balance & to have Comenity/XXXX  stop sending statements.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, I am known as a victim of identity theft. My identity has been stolen and used against my rights. There are a few fraudulent credit card accounts listed in my name. I would like for all of the following accounts listed in the file below to get removed expeditiously. These account doesn't belong to me at all.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as Exhibit BXXXX XXXX Account number : XXXXXXXX FRD MOTOR CR Account number : XXXXXXXX FRD MOTOR CR Account number : XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by CALIBER Account number : XXXX FRD MOTOR CR Account number : XXXXXXXX FRD MOTOR CR Account number : XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete.
Product: Credit reporting or other personal consumer reports

This is one of my attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXXXXXX XXXX XXXX Balance Owed : {$600.00} XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loancare keeps reporting my balance as {$10000.00} more than its supposed to be. Ive tried fixing this over the past year countless times by disputing it with the credit bureaus. It gets fixed temporarily, but then gets reported wrong again. 

Now, there was an error of {$10000.00} on my XXXX from them : XXXX XXXX XXXX XXXXXXXX {$180000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Another mistake by $ XXXX. The beginning balance was correct, but someone in the company cant do math. I also tried to fix this and the actually added $ XXXX to the beginning balance when it should have been subtracted from the ending balance. uGH! 

I AM SO SICK IF THIS COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 2 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 Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had late payments. If this information can not be verified within 30 days then I demand these payments be immediately updated to paid on time. Thank you
Product: Vehicle loan or lease

I was checking to get a lower interest rate I ha a 19.9 % interest rate for a car that cost XXXX  with capital one for 72 months at XXXX  a month since XXXX 2017 ... ..so i began looking into refinance at a lower interest rate .... I was amazed to see that capital one was listed who I already have been paying for 12 months which I only have 60 months of payments left yet they were offering me a lower int rate of 8.79 % for another 72 months ... .. I believe this is unethical and illegal to add the 12 months I already paid start me with a new loan and its office collect an additional XXXX in interest. I request that capital one lower my interest rate to 4 or 5 % for a term of 60 months due to its unfair and unethical lending practices
Product: Credit reporting, credit repair services, or other personal consumer reports

In late 2020, I had discovered that Equifax had included the personal information of a stranger in my own credit report. The credit report included the stranger 's first and last names, SSN, DOB, and loan history. Since then, I have filed 3 disputes, sent 1 letter, and made several phone calls to Equifax and creditors to resolve the matter ; however, nothing changed regarding the errors on my credit report.
Product: Checking or savings account

I have had issues with my banking accounts being compromised. I have addressed this and reported it to the credit reporting agencies. On XX/XX/2023, I received a letter from US Bank about an overdrawn account. I have no account with them, so I called to explain that this account is fraudulent and needs to be closed. " XXXX '' working out of XXXX  refused to close the account because I do not have the account number ( the notice I received only says " Account Number ending in XXXX '' ) and I would not give my social security number -- which I think they have no right to request since this is a fraudulent account. He claimed he could not access the account with my name and the address associated with it. Despite knowing that the account is fraudulent, he refused to close it. 

Please feel free to publish this account and let other people know that US Bank knowingly facilitates fraudulent activity.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App because on multiple occasions I have tried to get my money back on false money. Transfers and I was never able to get a hold of a live representative and if I did get a hold to a live representative, it wasnt a real one. Ive had my identity stolen from Cash app. Ive also had unknown Transactions happen on my Cash app that I did not do on my behalf and when I complained or tried to file a complaint. They did not refund me any of my funds back. 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 process 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 financial loss, and I seek appropriate redress for these violations
Product: Credit card

there were fraudulent charges on my card. i called up on XX/XX/XXXX to report them them and get a new card sent. i was told i would receive in 1-2 business days. after not receiving the card on thursday i called back. i was told the card was sent via regular mail and they would expedite another. monday, after not receiving the card i called back. they said the card was sent but they didnt have any tracking and they would issue another one. i still have not received my replacement card and i have not received any type of email from citi bank
Product: Debt collection

I've received a packet from Wells Fargo on or about XX/XX/2022 with documentations claiming that they are validated a debt that I allegedly owe. In that very same documentation there is a Security Interest disclosure specifically says " The security interest, pledge, and assignment is given as security for any and all amounts you owe ''. 

Definition for Security Interest in reference to 15 United States Code 1667 ( 5 ) means any property which secures payment or performance of an obligation. 

My question is if security interest is " given '' to Wells Fargo to secure payment or performance of an obligation on the alleged account how is it that anything is owed if they are stating that payment is already secured? 

Either they are using false and misleading wording to coerce payment from me and is also a violation under Truth in Lending because that would mean that I was never properly informed and I never received an adequate notice from Wells Fargo. 

It is unlawful to black mail and extort to coerce payment from a consumer in reference to 18 United States Code 894 and 18 United States Code 873.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Payment for XXXX of XXXX was never late This needs to be corrected. Remove this from my credit report. Reported to XXXX, Transunion, and XXXX. Please remove this 30 day late payment from all three reports, is it was never late
Product: Credit reporting or other personal consumer reports

I forgot my username for my account with their service. When I requested an email with my username, the company sent me a message stating that my username was sent to an email address that did not and never did belong to me. I was then locked out of my account. I could not get help when I called their customer service phone number. I emailed their customer service, and they have not responded.
Product: Credit card

I opened an in-store credit card at Macy 's XX/XX/XXXX and was told at the time that my account and payment information would come to me by mail along with an account statement. I never received the documents and when I called to inquire I was told I could pay over the phone and that the documents would be resent. The balance told to me over the phone did not match my receipt so I requested to have a statement provided to show the individual items for which I was being charged. I was informed that until I received my account information in the mail that I could not create an online account to access this information and that the only way for me to receive it would be through mail. I was also informed that the late fee I had incurred would be waived so that I would not be hurt by this transaction. The follow up documents never arrived and Macy 's posted a 30 day late payment on my credit report. The fact that they would not provide documentation on my balance before requiring me to pay seems very unfair. I have since paid off the balance in full, including the added late fee, in an effort to limit any further harm to my finances or credit history. 

To this day I have yet to receive any documents, I still have not even been provided with an account or card number. 

I have an otherwise perfect credit history. Given that I reached out to Macy 's in order to rectify the situation and that they did not allow me to do so in a reasonable fashion, I feel unjustly harmed.
Product: Debt collection

I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been XXXX over this. I am barely getting on my feet financially. Please let me know what I can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

It keeps reporting as charge offs. I have mailed several disputes and you see no changes!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

I noticed a large transaction on my account which I called DirectExpress about and made a claim for {$720.00}. The customer service rep noticed another transaction from the same merchant ( XXXX ) for {$180.00}. The customer service rep told me that my card would be canceled and a new card would be sent out. In the meantime I could not get into my account while waiting on my new card. When my card arrived I was able to access my account and found three more unauthorized transactions, 2 from XXXX XXXX, and 1 from XXXX XXXX, Totaling {$99.00}. Neither of the 3 merchants have I ever ordered or dealt with before. 
After a few days I called to follow up and was told that my paperwork was not complete. I redid my paperwork, followed up a couple of days later, was told that my paperwork was complete. I informed the customer service rep that I really needed my account to be credited because I had bills that needs to be paid, especially my mortgage and I would really appreciate if I could receive funds credited to my account. I was told by the customer service rep that they would note my account so the investigators would consider crediting my account. I followed up two days later and was told my claims were denied, and they could not give me a reason why I would have to wait on the paperwork to come through the mail. The reason given was I had given authorization to the hackers to use my card, which is ludicrous. Come to find out they have one merchant listed on my first claim that I use frequently and they used that one merchant to decide to deny both claims. If they had looked at ( MY ) paperwork, they would have seen that I only have listed the one merchant ( XXXX ) which had two transactions and on the other claims I have three transactions, XXXX from XXXX, XXXX from XXXX XXXX, which Ive never ordered from. But they used this one merchant ( XXXX XXXX XXXX ), which I use frequently, that should NOT have been put on claim list, And made a total denial determination on both my claims. Only if they had truthfully done an investigation, looked at MY paperwork, they wouldve seen the transactions that I was claiming. But they did not! It makes me wonder how many other veterans or senior citizens or anyone are getting XXXX by DirectExpress. Its disheartening to know that a big company like this is contracted by the federal government is treating veterans and others in this manner. Its sickening!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File Number XXXX XX/XX/XXXX XXXX THE XXXX XXXX IS STILL ON MY CREDIT FILE XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX XX/XX/XXXX
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 not only neglected to protect consumers but has also 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: Credit reporting, credit repair services, or other personal consumer reports

I had first filed a complaint against Experian for continuing to report an alleged bankruptcy since XX/XX/XXXX. On XX/XX/XXXX, I mailed a signed affidavit to the United States Bankruptcy Court asking if they report any information, which includes the alleged bankruptcy to the credit bureaus and they responded back that they do not and I have attached a letter from the United States Bankruptcy Court verifying this information. Also, since XX/XX/XXXX, I have been mailing letters on a monthly basis to Experian, XXXX, XXXX  and XXXX  to remove the alleged bankruptcy since they had reported inaccurate, unverifiable information on my credit report, such as Reference #, Filing Date, Court Name in addition to the credit bureaus not verifying how they reported the alleged bankruptcy. Experian is in violation with the Federal Trade Commission with this information not being reported accurately and timely. XXXX   and XXXX  have removed the alleged bankruptcy from my credit report, however, Experian has remained the same inaccurate, unverifiable information that is still listed on my credit report. I have yet to see anything other than Experian saying that they " Verified '' the alleged bankruptcy without WRITTEN proof as to how Experian was certifiably complaint on HOW they verified this alleged bankruptcy. Why is Experian going to XXXX to verify a bankruptcy? This is in Violation with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, Below are disputed claims that are still showing on my report. I have no knowledge of these accounts. 

XXXX XXXX- {$1600.00} opened XX/XX/XXXX XXXX -- {$4900.00} opened XX/XX/XXXX XXXX- {$9700.00} opened XX/XX/XXXX XXXX XXXX - {$6600.00} opened XX/XX/XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX us dept of ed {$9500.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account that is reporting fallaciously in my report and needs to be removed : AWA COLLECTIONS ( Original Creditor : XXXX XXXX ) - XXXX
Product: Mortgage

Seterus is not applying my mortgage payment to my account correctly and is trying to apply late charges to my account. I have called several times to try and correct the issue and they will not correct the issue. They will also not remove the PMI on my account even though I have federal requirement for having the PMI removed met
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times between XX/XX/XXXX and now to get Equifax to correct a debt collection from XXXX XXXX. I am unable to submit documents through their MyEquifax website and their phone representatives are unhelpful.