23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I bought 2 items one external touchpad & one inverter from XXXX for {$52.00}. 
I returned both items on XXXX to XXXX XXXX XXXX  in XXXX of XXXX XXXX XXXX 
XXXX said we give you gift card for {$29.00} instead of XXXX. 
XXXX did not give me receipt of delivery of items to them. 
I contacted with the credit card company US Bank XXXX XXXX XXXX XXXX, ND XXXX First they gave me Provisional Credit. Then On XX/XX/2023 They said we don't believe you have given the items to XXXX I sent copies of all of the emails with XXXX on XX/XX/2023. 
I keep contacting with US Bank and they ask for Fax Number. 
There is no Fax Number only the website. 
They refuse to give me credit for {$52.00}. 
Can You help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to request an investigation by Equifax for XXXX Account # XXXX, because of inaccuracies. ( date of last activity is missing ). 

Equifax did not conduct an investigation, as required by law. They are required to update, accurately verify or delete. 

Furthermore, as shown on the attached " results '' notification, Equifax falsified information on my credit report for this account, without conducting an independent investigation. Their notice to me states that the date of last activity has been verified as accurate, but the report and results letter clearly show that it is missing. 

Equifax inserted a date of XX/XX/2022 as " date of last reported update '' even though there was no update. This is a violation according FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment resulted from a misunderstanding regarding the payment due date, which was incorrectly communicated to me by XXXX XXXXXXXX. I made the payment on time according to the information I had, but due to this miscommunication, the payment was recorded as late. This does not accurately reflect my payment behavior, and the late payment mark should be removed. 
Evidence Provided : Bank statements showing the payment was made according to the information provided. 
Correspondence from XXXX  XXXX acknowledging the communication error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about the sam club account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened.     Regards
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in the 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Prepaid card

Recently I found a {$50.00} American Express XXXX XXXX that I had received a few years ago as a bonus from my employer. The original card had been sitting in a drawer, unused, and the date had expired. I contacted Amex and they mailed me a replacement card with a valid date. 

I have confirmed ( multiple times ) with Amex that the card is valid and that there is a {$50.00} balance on it. 

Despite repeated attempts, the Amex gift card will not be accepted at any online merchant I've tried : XXXX, XXXX, XXXX, XXXX, etc. The transaction is denied every time I attempt to make a purchase. 

I've attached a scanned image of the card and the letter that I was sent.
Product: Mortgage

The loan with Wells Fargo started in XXXX for {$110000.00} I received a printout from my mortgage company of my payments, and it stated I paid {$150000.00} on the loan thus far. As of XXXX the mortgage company states I still owe a balance of {$100000.00}.
Product: Checking or savings account

I am a XXXX XXXX XXXX XXXX. And never be late on my payment bills/ rent/ royalties I send by regular mail, the monthly rent payment for XX/XX/XXXX to the LandLord, with a check from PNC BANK to LandLord FOR {$8100.00} XX/XX/XXXX Landlord advised that they didn't get the payment, I called the police to report it. I have incident number. 

I went immediately to the branch near my business PNC XXXX XXXX location and filed a dispute with the manager who said that it will take some time ( no specifics ) to process this dispute. 

On XX/XX/XXXX I turned back to the same Branch and talked to Manager again about the status of my claim, so he made his request into the system and I had a call at XXXXXXXX XXXX from the Dispute Department. ( XXXX ) The person in that recorded call said that the check was cash in a XXXXXXXX XXXX XXXXXXXX, and my complaint to her was why a Bank cleared a check when it was written to a Business and endorsed to be paid to a person. In that call I asked her if I did anything incorrect sending my monthly payment to the LandLord. Why a crack in the security system to process a Check in between financial institutions, is my fault. Did I did something wrong? She said to me No! So why are you all punishing persons that are doing the correct thing, working, paying their bills.She also told me that it will take 90 Days to process this. 

XX/XX/XXXX went to the PNC XXXX XXXX location to have an update about my dispute, and information was the same, we are working on it and request a call from dispute department again, I had a call XXXX XXXX XXXX XXXX and was the same information any specifics just recalling that they have 90 days to have a response. 

XX/XX/XXXX, again went to the Branch and requested to scale the complaint with XXXX XXXX, he requested it into the system and I had a call XX/XX/XXXX. 
XXXX called from intern customer service complaints and what she said is now the investigation will go from 90 to 120 days. I asked her about in what part of the claim we are, and she couldn't say anything specific just that they are negotiating with Regions, she provide me an other phone number for specific check fraud XXXX opt 2, which i called. And waiting for an answer. 

Facts : the check was stolen and cashed. 
The check was written for a BUSINESS AND ENDORSED TO BE PAID TO THE ORDER OF a person. 

Check was cashed at a XXXX XXXX  I am a XXXX XXXX  for more than 12 years for the first time I am on DEFAULT I might be just one more of the customers at PNC, but for Me if I dont get 100 % refund could be the end of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and Experian has information and accounts on my credit report that are not mine and they refused to remove them and or delete them.
Product: Mortgage

Pennymac is our current mortgage company and in the process of applying for refinancing they did not provide adequate guidance in that process. The loan officer would give us lists of things to do, such as paying things down, and closing open disputes in order to get our credit up to complete the loan process. In doing so they would repull our credit everytime and give more guidance. The process was horrible. So we decided to use XXXX XXXX since they provided proper advice in helping us correctly. During this process we lost our loan capability due to a 5 point credit score drop over the entire process that involved almost 10 credit pulls combined by the 3 companies. That unprofessional guidance along with greedy loan officers has caused us to spend thousands paying the things off they asked us to pay and left us with no refinance to regenerate the money we lost in the process. We have made our house payment the last 7 years without missing a single payment and jow are denied based on 5 points in a system they abused through too many credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX  SC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I paid off the full balance of {$7000.00} on the card on XXXX which was before the due date of XXXX and now they say I owe them {$84.00} in additional interest. They said they would report it to the credit bureau if I didn't pay it. I paid the statement balance in full before the due date! This charge information was from an email alert that my new statement was available on line and showed this interest charge. I called to discuss with them and the rep had a very lame excuse on the interest charge. I closed the account and said I had no intention of paying them and I was going to file a complaint. I did this type of payoff on other credit cards in late XXXX for my retirement in XX/XX/XXXX. That was where I got the " no additional interest if paid in full by the due date '' from the others.
Product: Money transfers

On XXXX/XXXX/2016, I submitted XXXX transactions on MoneyGram International site. XXXX of them succeeded, yet there was network connectivity issues between MoneyGram and my bank via through me. Due to the first transaction, it became an error, yet my bank still saw the hold amount against my account as authorized transaction. XXXX one was canceled in my choice due to the first error. The XXXX transaction, I choose to post ACH money transfer through my routing and checking account, and that too was successful attempt, and due to the present errors I found after the fact of calling MoneyGram, I canceled the third transaction. On XXXX/XXXX/2016, I see a debited amount charged on my account of {$99.00} against me, and now caused overdraft charges to other amounts I posted besides this charge, that I did cancel was posted by XXXX XXXX and paid MoneyGram, yet they insisted and denied that they did not receive any monies from due to it 's cancellation. I have documents to suffice and prove this is the later and is contrary and untrue, and was still charged and my bank institution still accepted the payment and debited other fees due to my in the negative balances.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for the following key issues : 1. Improper Notification and Procedure : The company failed to provide proper notice and conduct the repossession sale in a commercially reasonable manner as required by law.

2. Inaccurate Reporting : The account was inaccurately reported on my credit report, violating the Fair Credit Reporting Act ( FCRA ).

3. Failure to Validate the Debt : The company did not properly validate the debt or provide a breakdown of the sale proceeds as required by the Fair Debt Collection Practices Act ( FDCPA ). 

These issues have caused significant financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a 3rd request. These aren't my accounts. Please remove them. Thank you.
Product: Student loan

I submitted a forbearance request through XXXX on XX/XX/2023. 
I did not hear back about this request. 
I called EdFinancial XX/XX/2023 and XX/XX/2023 and did not receive an answer. I called again XX/XX/2023 on seven times and had them hang up on me every time. I am very stressed about this situation as repayments begin on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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.

Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX  - XXXX Account name : XXXX - XXXX Account name : XXXX XXXX - XXXX Account name : XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

9 unauthorized ACH withdrawals from my account contacting bank : XX/XX/2022 phone call about unauthorized ACH withdrawal XX/XX/2022 phone call about unauthorized ACH withdrawal XX/XX/2022 branch visit about unauthorized ACH withdrawal XX/XX/2022 branch visit about unauthorized ACH withdrawal XX/XX/2022 secure center message about same per info I received from bank I have authorized all transactions. I have requested documents / proof I authorized transactions and bank refused to provide this document on several occasions- in person / at branch and also by secure message
Product: Credit card or prepaid card

I have XXXX citi bank cards. The payments are due on XX/XX/XXXX. Citi bank They reported to the credit bureau on XXXX that my payments were late which is no where near 30 days past due. This result in a negative issue on my credit report and caused my XXXX  score to drop XXXX pts. My payment was made on XX/XX/XXXX.
Product: Credit card or prepaid card

Early last year XXXX, I called Wells Fargo on two separate occasions asking for a credit limit increase as I was planning to make a couple of large purchases. Wells Fargo refused to increase my credit limit both times I requested it. 

In XX/XX/XXXX, Wells Fargo increased my credit limit from {$21000.00} to {$24000.00} without asking me, which was frustrating because the request had previously been denied when I needed it and had asked for it. Between XX/XX/XXXX and XX/XX/XXXX I was close to reaching my credit limit a few times. I remember trying to use my card a few times and if the purchase took me over my credit limit, the transactions were denied, which I was grateful for, because it kept me from spending over my limit. I assumed at this point that safeguards were in place on the credit card that would prevent me from going over my limit. 

In XX/XX/XXXX, I began holiday shopping and wanted to use my credit card for purchases. The transactions kept going through at the stores, so I continued making purchases and no transactions were ever denied. It wasn't until I had reached over $ XXXX in purchases over the course of the month that Wells Fargo finally started to decline purchases. I am now {$8200.00} over my credit limit, which means I am unable to use the card for other purchases, my minimum payment has significantly increased, and I'm paying even more in interest each month. I've been paying the minimum each month and it's making no difference in the overall balance, in fact it has increased between XXXX and now. Why did Wells Fargo allow this?? 

To date, Wells Fargo has failed to communicate clearly to me as their customer regarding credit limit safeguards and policies. Furthermore they have been deceptive and inconsistent regarding the allowance of purchases over the credit limit for their own profit and gain. I spoke with someone today ( XX/XX/XXXX ) in their credit card department and she said that as the customer you have to elect to have transactions declined when over the credit limit. This feature is nowhere to be found on their mobile website and this option was never presented to me. Also, if it is up to the customer to enact this option, then why were some of my previous transactions denied, but then some were allowed? It appears that Wells Fargo was making that choice for me and was doing so inconsistently. The process lacks in transparency and I believe they are acting in bad faith by allowing someone to spend $ XXXX over their limit, when previously transactions that were $ XXXX {$100.00} over were denied.
Product: Debt collection

I have been getting my paycheck garnished by a law firm in XXXX XXXX  saying its from XXXX XXXX XXXX Im XXXX your company and need info.
Product: Student loan

I have set up auto debit 3 times now with correct and accurate information, and it has been rejected leaving me with late payments and automatic enrollment in forbearance. I was told the forbearance can not be reversed. I do not need a forbearance nor have a asked for one I am able and willing to pay my monthly balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In route of me wanting to dispute information on my credit report via telephone, Experian app and online ( Experian.com ) I can not see a newly refreshed report since XXXX ( XX/XX/XXXX ). There is information that needs to be removed and updated as far I can see on my end.
Product: Credit reporting or other personal consumer reports

I tried to contact Equifax a couple of times trying to have this fraudulent inquiries removed from credit report, they never resolved the issue. 
Fraudulent inquiries : XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding discrepancies in my credit report that have come to my attention. After reviewing my credit report, I've noticed inconsistencies in the reporting of the XXXX account, which is affecting the accuracy of my credit profile. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies like yours are mandated to maintain accurate and fair credit reporting. Specifically, under Section 1681e of the FCRA, it's required that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy in the information they report. Furthermore, Section 1681i grants consumers the right to dispute inaccuracies and request investigations into disputed information. 

Upon reviewing the credit report provided by your agency, I've noted the following discrepancies regarding the XXXX account : Equifax : No. of Months ( terms ) is reported as XXXX, while XXXX and XXXX report 63 months. 

Date Last Active is reported as XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. 

Two-Year payment history for XX/XX/XXXX is missing. 
XXXX and XXXX : Date of Last Payment is reported as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 
Two-year payment history for XX/XX/XXXX is missing. 

These discrepancies not only violate the FCRA 's requirement for accurate reporting but also undermine my ability to access credit on fair terms. Therefore, pursuant to the FCRA, I kindly request that you immediately investigate and rectify the inaccuracies in the reporting of the XXXX  account on my credit profile. 

I understand that the FCRA mandates a prompt investigation and resolution of disputes within 30 days of receipt of a consumer dispute. Thus, I kindly request that you provide written confirmation of the removal of the inaccurate information from my credit report within this time frame. 

Thank you for your attention to this matter. I trust that you will address these discrepancies promptly and in accordance with the law. 

Sincerely, XXXX XXXX