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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request to Block Fraudulent Accounts Under FCRA 15 U.S.C. 1681c-2 ( Section 605B ) Dear XXXX, Experian, XXXX I am writing to formally dispute XXXX accounts on my credit report that were fraudulently opened in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am requesting that you block this fraudulent information from appearing on my credit report. 

The accounts in question are as follows : XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Account Opened on XX/XX/XXXX, XXXX XXXX of XXXX account opened XX/XX/XXXX These accounts were opened without my knowledge or consent, likely as a result of my personal information being compromised in a data breach. I have included the following documentation to support my dispute and verify the fraudulent nature of these accounts : A copy of my government-issued ID and proof of address ( e.g., utility bill or bank statement ). 
A copy of my credit report highlighting the fraudulent accounts. 
A copy of an FTC Identity Theft Report and/or a police report regarding this identity theft. 
Pursuant to 15 U.S.C. 1681c-2, once you receive this request and the accompanying documentation, you are required to block the reporting of this information from my credit report and notify the furnishers of the fraudulent accounts. Please confirm in writing that the fraudulent accounts have been removed and provide an updated copy of my credit report. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Credit card

American Express offered a cash back promotion with a XXXX XXXX XXXX ( XXXX  ) purchase. To qualify you had to accept the offer before purchase. 

I made a purchase with XXXX on XX/XX/24 for {$6100.00}. 
I accepted the cash back offer on XX/XX/24 I returned the XX/XX/24 purchase on XX/XX/24 and received a refund of {$6100.00} I made another XXXX purchase on XX/XX/24 for {$6100.00} I contacted AMEX through the online chat app to no avail. I don't recall the exact date, but it was around the XX/XX/24. 

I called AMEX on XX/XX/24, the CSR initially said it was nothing AMEX could do because the refund and purchase were made on the same day. After requesting a supervisor, the CSR said he spoke with someone else and my offer would be processed within 30 days. 

When I contacted AMEX on XX/XX/24 to follow-up, the CSR said a case was never opened. I asked if the account had been notated. The CSR said she needed to reach out to a different department. CSR returned and said the offer would not be honored because the refund and purchase occurred on the same day, despite the transactions being exclusive of each other. I was connected with XXXX with AMEX 's Digital Assist and Planning Team. XXXX is escalating this to the Backend Team. Case # XXXX. promised a response in 14 days. 
I'm attaching copies of the receipts. The time stamp will show the refund for the XX/XX/24 purchase was processed at XXXX ( XXXX XXXX  ). The new purchase was processed at XXXX ( XXXX XXXX  ). You can't be refunded for a purchase before it happens.
Product: Checking or savings account

Ive been a victim of identity theft for the last two years. I opened a savings and money market acct with Discover Bank last year and a checking account a couple months ago. Up until opening my checking account I never had any issues with my two other accts. Upon opening the checking though, unauthorized transactions from XXXX XXXX started popping up, a lot of them. I informed Discover Bank that I was a victim of identity theft and told them that I havent had an active XXXX XXXX acct in my name since XX/XX/XXXX. On XX/XX/XXXX I had to file yet another dispute on my accts. I had been told previously that they wanted to issue me new acct numbers and change my password but couldnt do it until all trasaction posted. I think the day before they had placed a freeze on the acct until the transaction on the acct posted and informed me that in order to access my funds all I needed to do was to call in to the fraud department and they would lift the freeze long enough for me to move money and then refreeze the acct. on XXXX at XXXX I had decided to just have all the funds wired out of the acct. However at XXXX that day the wire hadnt happened yet so I called and they told me that Id have to wait until XXXX for the wire transfer. I told them no and to cancel it which they said they did, and I was able to move some money out of the acct. when I called XXXX afternoon I was also told that everything has posted so they were issuing me new acct numbers and unfroze the acct. XXXX XXXX however, I had received notification that my brand new acct had been frozen already and I had no clue why. I called and spoke to the fraud department who asked me a couple questions said everything was good and forwarded me to the dispute department. The dispute department told me funds should be in my acct the next day and to keep an eye on it. However, before hanging up the lady told me I needed to be transferred to one other department. When she transferred me after being on the phone an hour the lady said that they had made the business decision to close my acct! With all my funds still in it. They closed my acct after making me open a brand new one and didnt take the fact that Im an identity theft victim into consideration and despite the fact that I had asked them to block cash app from continuing to access funds from my acct. they continued to let it happen but yet Im being punished for it. And after that more money went back into my acct. now Im being told 10-15 business days to receive a check. I dont have 15 days to wait for my money back when this is all their fault. This is exploitation of a XXXX identity theft victim and its conversion, which is also illegal. I want access to my funds via wire and I want my account to remain open. Its not fair that they punish me cuz they didnt do their job.
Product: Mortgage

Dear Sir 's or Madam : ( XX/XX/XXXX ) Several Months ago I received a letter from, Wells Fargo Home Mortgage, that I qualify for a rate reduction on my 6 % {$50000.00} Outstanding Mortgage of {$50000.00}, which I obtained from Wachovia Bank several years ago on my Co-Op Apartment, ( XXXX Bedroom/XXXX Bath's/etc ) ... 
I went to my local Branch Office of Wells-Fargo, and filled out papers asking for an Option to reduce my interest payments from 6 % to under 2.6 % on my outstanding mortgage andduring my several visits to different Wells-Fargo branches throughout XXXX, N.Y., I asked for information regarding my request to reduce the interest payments, which wouldhave saved me enough interest, to start paying down my principle ... 

Too make a long story short, nothing has happened, and every month that went by Iasked them for a decision ... When will Wells-Fargo reduce my interest of my Loan # XXXX, outstanding {$50000.00} Morgtgage Loan Originally from Wachovia Bank? 
I also complained, that I was now constantly being called by several money-lender 's whoare offering me to " Refinance '' my mortgage and frankly I honestly believe that my namewas given to these money-lender 's by the people at Wells-Fargo and I generally just hangup and tell them that I am not interested in refinancing at their rate of 3.6 % + fee 's, etc. 
In my opinion, after having received, several letter 's, from : a XXXX XXXX XXXX, Executive Mortgage Specialist, Customer Care and Recovery Group, XXXX Ext. XXXX, telling me that my " concerns '' are very important to Wells-Fargo, and promising that theywill provide me an update on their research into my inquiry ... which is nothing but a ploy topush me into XX/XX/XXXX which will end my right 's to ask for a interest reduction of 6 % to under 2.6 % that was originally made available for, XXXX Citizen 's such as my self, with a good credit rating, who also happens to be an XXXX XXXX XXXX Veteran, thatsimply wanted to take advantage of this benefit that will expire shortly ... .this disruptivebehavior, on the part of attempting to continue extorting 6 % interest, and not making alogical decision to get into compliance with The Consumer Finance Rules and Regulations in regards to aiding and assisting, " XXXX Citizens and Veterans '', to afford their homes, is one of the reasons that there are so many " Homeless Citizens and Veterans '' in our great nation ... In addition, I think it 's criminal that they are obviously in league with severalmoney lenders, for their own selfish reasons, to give our names for refinancing with XXXX XXXX, etc. etc. 

Please file this complaint with your grievance-department post haste, in order to grand-father, this request of a mortgage interest reduction, that they merged out of XXXX Bank, and have figured out a way to sell off all inquiries that are not profitable totheir continued plunder ... Please AdviseSincerely, XXXX " XXXX '' XXXX ( XXXX Citizen/Veteran XXXX ) XXXX XXXX XXXX, XXXX . XXXX, New York XXXXTele : XXXX Cell : XXXXE-mail : XXXXXXXXXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX a duplicate payment for the full payoff was made. I attempted to get the credit card company to return the 2nd payment on several occasions both via phone and email. I was told it was sent, then it would be sent, then when pressed for a check # and issue date was lied to again. I was advised on XX/XX/XXXX via email that the funds were returned ( I have attached ). The following week my account was still showing a credit in the amount of the duplicate payment so I called AGAIN. On that call I was advised it had not been sent so I asked for a manager who flat out lied and told me it was sent after I demanded a check number ( she could not provide ) I demanded to know what day it was sent to she said it had been sent on the XXXX. After several weeks of not getting my money back I filed a complaint with my bank to get my funds back. I have also attached a copy of my transaction history showing it was never reversed until my bank pulled it back on the XXXX. Now the credit card company is charging me a {$25.00} charge for a returned payment when they were holding {$1700.00} of my money when I had a XXXX BALANCE! I should not have to pay a charge because they refused to return money they were not owed and I had to have my bank intervene.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023 Source Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Reference Number : XXXX Dear Source Receivables Management, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/2023 and identified the debt as XXXX collection. 

I do not have any responsibility for the debt youre trying to collect. I have returned all the devices to XXXX per their agreement and provided pictures of the tracking numbers and packages that included all four phones ( 2 phones per box ). 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

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

I transferred XXXX pesos to the XXXX on XX/XX/XXXX at XXXX Eastern time. It was mentioned that there may be a delay. I requested cancellation on XX/XX/XXXX at XXXX and my account said an update will be provided in 24 hours. As of XXXX Eastern time XX/XX/XXXX no update has been provided. The company sends an email every 6 hours saying the transaction is delayed but there is no update on my cancellation. I tried calling the company and it said there was an almost 2 hour wait. I also tried chatting the company but there was an almost 4 hour wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX XXXX dated XX/XX/2020 confirming they have submitted the necessary documents needed to remove these lates that are currently reporting to the bureaus. This letter states these changes should have been made within ( 30 ) days however, the bureaus are still reporting incorrectly. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to remove these but I have not been successful.
Product: Mortgage

I am refinancing my mortgage. A payoff demand was sent to the current mortgage servicing company on XXXX/XXXX/16. They issued an inaccurate payoff, because when they took over servicing of this mortgage they mistakenly created the account as a daily simple interest rate loan, instead of a 30-year fully amortized mortgage. Repeated efforts to get them to correct their error and issue an accurate payoff have failed, and my refinance can not proceed without an accurate payoff. Please note : This mortgage and another mortgage on a different property closed at the same time with the same originator on identical Notes except for the principal amount and interest rate. The same firm is now servicing both mortgages, but they got XXXX wrong ( as a daily simple interest loan ) and the other XXXX right ( as a 30-year fully amortized mortgage ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name isXXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax have all violated my privacy of student loan information, reporting it to public on credit reports without getting consent, giving it to third parties. Also, there are false indications on my credit report from all 3, I have attahced XXXX under the XXXX loan stating that I was making payments with that loan. I never made any payments. I am protected under The Family Educational Rights and Privacy Act Of 1974.
Product: Debt collection

XXXX XXXX XXXX superior court of new jersey. the debt was paid in full XXXX XXXX said the company did not want any money from me.
Product: Debt collection

Zions Debt Holdings which is a company I have NO contract with contacted me in writing. It is about a XXXX account which I do not have. Letter was from XX/XX/XXXX. It states dates of service of XX/XX/XXXX for the amount of {$950.00}. Please advise on the next steps.
Product: Mortgage

Loancare is not posting my payments to my account, my bank confirms that it was withdrawn, they have done this for 3 month in row. it is an impossibility to get someone on the phone. I have been on the phone on hold waiting for a person for hours. they are posting late fees and negative credit on my report.
Product: Debt collection

Contacted by Northern XXXX Services  and threatened. Was told they are serving me papers unless I pay them right away. Also trying to contact friends and family using fraudulent claims and illegal tactics. This company is a known scam and already been fined several times for using deceptive and illegal practices. Their numbers are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, spoke with XXXX about a complaint with the Department of Education. HIs phone number XXXX, Ext XXXX. He called me and left a message. I called him back and we discussed customer service issues that he says he was going to report. I was concerned about my credit bureau reports and he assured me that they were reported to all credit bureaus XX/XX/2018. So I called XXXX  twice on this XX/XX/2018 and they say they have received no information from Nelnet on my  student loan payment. I called XXXX  but was given the wrong information. I left XXXX a message on XX/XX/18 about XXXX. He called me back on XX/XX/2018 and is adamant that everything has been reported to the Credit Bureaus on XX/XX/2018. I asked him his tile and he told me he was a Senior Resolution Specialist. I asked him his last name which he informs me he doesn't have to provide but gives me the initial XXXX for the last name. On his voice mail it sounds like XXXX, though I could be wrong he had told me previously he was from Nebraska which I'm guessing from my credit report the city is XXXX. I tell him I'm going to have to make some complaints and that we were done. I called XXXX and XXXX  again on XX/XX/2018. I am told the last payment was XX/XX/2018. I call XXXX  and they show the payments from XXXX for XX/XX/2018. I call the Department of Education to make another complaint because he won't believe XXXX and XXXX have received anything from Nelnet. The Department informs me that he says information reported to credit bureaus was XX/XX/2018, which is the complete opposite of what he told me on XX/XX/2018, which was XX/XX/18 which they report the last day of every month. I told the Department of Education that Nelnet did not report to XXXX and XXXX and they say maybe it can be reported again by Nelnet. This is Nelnet 's  choices, call XXXX  and XXXX  to verify they have not received the information of payments from Nelnet as of XX/XX/2018. Under the Fair Credit Reporting Act XXXX and XXXX are regulated by the Federal Trade Commission.As soon as the credit bureaus receive information from Nelnet they put it in my credit report. I will not wait the 60 days for you reply to the CFPB and I will be taking you to court if my XXXX and XXXX are not updated immediately. XXXX XXXX, Senior Resolution Specialist. Everything has been opened up in my area with no further fire. Your looking at a screen that tells you it's been reported by one of your employees. Well guess what it hasn't been. I will be vigilant in my effort to make sure Nelnet properly reports to the credit bureaus. I know how the CFPB works and I will not be intimated by Nelnet.
Product: Vehicle loan or lease

I have attempted to go online to my account many times to view statements and/or payments and how and when they were applied. They always say " we ran into a problem ''. I have sent an email requesting they update the online account so I can view it, to no avail. 

They are also saying that at the end of our loan, we will still owe money. The loan was to be paid off in XXXX but, over a year ago, we did an extension, due to some issues we had with our mortgage servicer and were unable to make the loan payments on our car. ( mortgage servicer said we were short on our escrow when, we in actuality, were not. We didn't figure out that they were indeed wrong, until after making several additional payments and were unable to pay our car loan on time. we had never been late with our car payment until we bought this house and the servicer kept screwing up our account. Regardless, we did the extension and they say we will owe money at the end in XXXX. I don't know if they added a bunch of additional fees or what but, Id like to see the payments, how and when applied and a running balance, and they are not available to me. I dont even know how the loan got pushed out to XXXX. The only extension I have relates to XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regarding charter communications. By law Experian is suppose to contact the original debtor to verify the debt. They didn't instead they used XXXX. So now the account shows as verified but they didn't follow the law in obtaining accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reported Experian to CFPB for failing to investigate a dispute and they have now done it again with the same item. This process has taken a total of almost 90 days and they still did not dispute the item and this is how I know! The item in question should have never been on my report. XXXX  and XXXX  both investigated the item and " deleted '' it from my credit report because it is not accurate. How on earth, can these 2 bureaus find the information is inaccurate and delete it but Experian somehow finds its accurate and leave it on my report. Also, they refuse to give me the phone number, name and address of the person who verified the information to be accurate. The fact of the matter is common sense will tell you Experian did not do an investigation of an sort. I want this removed from my report immediately! I'm not waiting another 90 days for them to do another so called investigation. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on several accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts which leads to their erroneous status : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address is wrong XXXX  card services FTC violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a past due of {$730.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) It was stated to me that the dental procedure I had agreed too would not exceed {$900.00}. I paid the balance in full, and therefore there is no outstanding balance due and nothing to report as past due. This incorrect reporting of a past due on my credit report is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Payday loan, title loan, or personal loan

My identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me. Prior to that my wallet was stolen and reported so this is a recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that the credit reporting agencies remove and block these accounts immediately. 1 ) XXXX  XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  {$96.00} 3 ) XXXX XXXX XXXX XXXX  two charge offs. 4 ) XXXX XXXX XXXX XXXX. 5 ) XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I had an suntrust opened up under my name about 3 year 's ago didn't know until i received checks an cards in the mail when i called to notifying them it wasn't me they told me the account was already closed an i was responsible for the amount owed I'm now on XXXX XXXX an unable to open account. Because it comes up as fraud I've been fighting this for sometime
Product: Debt collection

We sent a letter to the collection agency on XX/XX/XXXX disputing the debt and claiming our rights under 15 USC 1692c ( c ) and 15 USC 1692e ( 8 ). The collection agency received the letter on XX/XX/XXXX by certified mail-return receipt. 

On XX/XX/XXXX, the collection agency reported the debt to a credit bureau with no statement of the debt being disputed in violation of 15 USC 1692e ( 8 ).