23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I emailed my Walmart credit card bank " sychrony bank '' requesting my due date be moved back from XXXX of month to XXXX of month. I get a reply that they could not do this and I would need to call them. I Did, could not connect and did not ring. My request to them was due to me being retired military my payday is XXXX of month however if XXXX is on Sat or a Fri holiday pay does n't post till XXXX so I set up my bill withdrawal dates for the XXXX. However this month the XXXX fell on a Sunday and of course the XXXX was a holiday so my bank did not post payment until the XXXX which is my due date for the credit card in question. For some reason banks take two to three days to do a electronic transaction? I 'm not sure why but assume it is " profit '' driven. Anyway, Sure as rain I get a {$35.00} late fee charged to my account because they did not receive my banks posting on the XXXX until the XXXX. It is amazing to me how fast the can do a late fee transaction but takes two to three days to send numbers back and forth? Can I be charged a late fee when my bank posts the payment same day as the due date? If they can not resolve issues via internet/online e accounts and their " XXXX '' phone number is n't working what are you suppose to do? I think the reason I am having difficulty with this bank is purely " GREED '' driven.
Product: Checking or savings account

My apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX was flooded and looted and I had to abandon the apartment. Somebody got a hold of my credentials and debit cards and credit cards and repeatedly committed fraudulent transactions depleting all of my Wells Fargo Bank accounts. Wells Fargo Bank allowed fraudulent charges and fraudulent transactions for almost two months beyond account limits without interruption without alerting me or flagging the accounts. XXXX XXXXXXXX accepted responsibility for the financial fraud. XXXX has accepted responsibility for the financial fraud. I submitted DC police report XXXX. Wells Fargo Bank had not accepted responsibility for the financial fraud they allowed. Wells Fargo Bank contracted with me to hold me harmless of the financial fraud.
Product: Debt collection

I was on the XXXX XXXX website when I found out that Portfolio Recovery Services was suing me for a debt. I sent the company two emails, and a written notice requesting a validation of the debt with the original creditor so that I could start a payment plan if it was legitimate. The company has yet to send the letter after several attempts.
Product: Vehicle loan or lease

Ally financial repossessed a XXXX when I tried to make the payment to them XXXX hours prior they also
Product: Prepaid card

I recieved an American Express XXXX XXXX XXXX from my Employer for completing a reward program in regards to healthcare and was awarded a {$100.00} virtual gift card. Unfortunately after almost XXXX attempts to use the card. I am at a loss and would like to file a formal complaint and be compensated for my efforts and receive my reward.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern about Zelle handling of disputes. In light of the recent CFPB lawsuit concerning the issues with the platform. I have had various discrepancies and my financial institution and zelle failed to investigate my claims.
Product: Credit card or prepaid card

I have a Visa credit card through CITI Cards. I pay the balance each month after I receive a paper bill. My account was switched from paper to paperless and back to paper several times last fall. I did not initiate this action any of these times. I contacted CITI because I had not received a bill and was told it was switched to paperless and had missed a payment. The Customer service rep said my account had been switched multiple times this fall. Because I did not initiate any of these actions I was transferred to fraud unit. They could not fined who initiated the action but insisted it must have been me.

CITI cards has a initiate to get customers to switch to paperless billing. The situation appears to be a " XXXX XXXX '' issue of company representatives initiating the change for financial gain. Nothing else explains the switch and switch back. 

CITI Cards did not take my concern seriously and initiate any internal review. Citi stated they waived fees but I was charged fees and my credit rating may be impacted.
Product: Debt collection

I have tried to contact the original company which is XXXX XXXX XXXX at the ( XXXX ) XXXX ; pin XXXX, extension XXXX office of XXXX but I can get thru also contact at email ; XXXX they didn't response to request a letter explaining the {$1400.00} debt. which we state we had canceled the service on or about XXXX of 2013 with no success we keep receiving a bill requesting payment for current month as well as previous month. However we have paid already the balance is zero. The collection agency is not doing anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to delete ALL of my personal information from Quicken loans dba Rocket Mortgage. I keep receiving unsolicited offers due to my information being sold/shared. I followed all instructions on the website for deleting personal information. However, I keep receiving emails saying my request has been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Hospital Services INC accounts for {$340.00} & {$460.00} have been paid on my XXXX credit report. These accounts are paid, and need to be REMOVED from my credit report. Please get these accounts off of my report.
Product: Credit card or prepaid card

On  XXXX  vehicle had severe engine miss. Went to   XXXX   XXXX    XXXX    XXXX   for repair. Charged {$440.00}. Car continued to miss, went back several times but car never repaired.Poor service as they did n't care. Went to other garage and notified that alll spark plugs were mis gapped plus an installation of a broken spark  plug.Advised Visa  not to pay because of dispute and sub standard workmanship.I would get form letters that action will be taken in thirty days., Further, after some time  XXXX   XXXX  knew I paid {$76.00} extra on only  one  bill of several invoices, to further repair car. so they sent check {$76.00} to close dispute and guilt of negligence fraud and liability.  XXXX  has ignored these facts to date and have not issued proper credit in this dispute >
Product: Credit reporting or other personal consumer reports

XXXX  XXXX and XXXX XXXX  and XXXX XXXX  I filed bankruptcy in XXXX  and never applied for any type credit my score been the same when I filed XXXX yrs ago never moved after XXXX other people tell me my score should moved up by now. Please remove this negative and fraud account away from me. XXXX equifax and XXXX. They also hard inquiry on my account I know nothing about.
Product: Checking or savings account

On or around XX/XX/XXXX XXXX the XXXX XXXX at Wells Fargo Bank closed and froze all my money, due to a business deposit that came in my business name, which they reasoning was it was a third party deposit meant for another party. I had tried for months and months to prove to that department I was the owner of that business which I was deny countless of times. In the midist of that I became XXXX  XXXX  homeless lost my car and my kids. I had stuffer alot of pain and hurt as years pass without them giving in I got a email in XXXX of XXXX from Wells Fargo XXXX department informing me that another person was added to my account that had been closed since XXXX. I knew I didnt give anyone other than me to have control over my account. I was unable to even get in the account the only people was able to get in the account was lost prevention at Wells Fargo Bank. Someone in that department added a person on my account without my permission to sign over the XXXX that they had froze 2 years before that email came to me in XX/XX/XXXX. On XX/XX/XXXX I file a complaint with the CFPB after XXXX long years hardship pain and stuffering and a fraud vitiam of this bank the money was release to me, but it dont stop there the money was from a loan that needed to be paid so the money that has release was paid to the lender, due to me losing everything after Wells Fargo held my money for so long the repayments grew bigger and bigger. Before I take legal actions against Wells Fargo for fraud pain and stuffering lost wages I am asking CFPB to settle this with them making a afforder for all I had went thru after they close my account wrongfully for four years held on to money that was much needed my biggest issues that they use and lied like I added a person on my account to move money out the account so the money wasnt able to draw more money. They added the other person on my behalf to make it seems as if the account was unclaim the truth was they closed the account they sent my money to unclaim money I am seeking help with this.
Product: Credit reporting or other personal consumer reports

Couple issues I have alot of different reports for credit cards I did not open. Transunion most recently is XXXX which I did not do. Also my name only has ever been XXXX XXXX XXXX ( XXXX name ) born and raised XXXX XXXX XXXX then XXXX XXXX XXXX until I met my now husband which I moved from XXXX XXXX XXXX XXXX PA to XXXX XXXX  XXXX XXXX XXXX PA in XX/XX/XXXX and got married XX/XX/XXXX. My name since XX/XX/XXXX when everyone was LEGALLY CHANGED is XXXX XXXX XXXX. I wasnt able to get XXXX because of all this and whoever is using XXXX XXXX is not me. My birthday is XX/XX/XXXX last XXXX ( XXXX ) I have paid my kohls card off and have been really watching my credit and I dont know whats going on but it needs fixed. I would appreciate it. Thank u XXXX XXXX XXXX
Product: Vehicle loan or lease

Hello, I was pre qualified to purchase equipment from a XXXX XXXX XXXX. I had a finance XXXX named XXXX XXXX. 
I was told I was getting a 6 % rate when really it was a rate factor and was never a percentage rate. 
My finance rep was apart of XXXX XXXX and solicited another lenders contact. ( CIT Bank ) was the 3rd party lender. I feel violated that I was solicited and lied to about the terms. 
I was told false info thru via email ( documented lies ) and now Im struggling to make the payments. This definitely isnt standard loan practice and I would like to return the equipment and get out of the loan asap. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a method of verification on XX/XX/24 and have not gotten anything back. No updated letter with investigation results, no name, phone, or address advising who verified any information. I then sent in a letter disputing account information. I finally get a letter saying they updated the account. How did you update the account with no method of verification. It looks to me the account was updated wi try information I provided and I asked the wrong information be deleted. This is a violation of the FCRA. How can you update something and not provide method of verification.
Product: Student loan

Subject : Formal Complaint Regarding Misrepresentation of School Loan Terms and Lack of Transparency Dear Sir/Madam, I am writing to lodge a formal complaint against Navigation and the Department of Education regarding the sale of a school loan, which has left me in a state of disarray due to undisclosed terms and a lack of transparency in accordance with the Truth in Lending Act ( TILA ). 
Upon entering into an agreement with XXXX  and the Department of Education for a school loan, I was led to believe that the terms provided were fair and transparent. However, it has become evident that critical information regarding the loan, including its profitability and associated risks, were not fully disclosed. 

Furthermore, despite encountering significant difficulties due to language barriers, the information provided was insufficient and failed to adequately convey the true nature of the loan. This lack of clarity and understanding has left me facing financial difficulties and uncertainty.

I demand immediate action to rectify this situation, including a thorough investigation into the misrepresentation of the loan terms and appropriate compensation for the damages incurred. It is imperative that Navigation and the Department of Education uphold their obligations under TILA to ensure transparency and fairness in all financial transactions.

I expect a prompt response to this complaint and swift resolution of the issues raised.

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX / Account number # XXXX XXXX XXXX XXXX ), has violated several of my rights.

15 U.S.C 1681 section 604 A.Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.
Product: Money transfer, virtual currency, or money service

I wasnt able to connect my account with the Earning app like Ive been doing over the past year with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification of debt and was sent a ledger that was not the same as my move-out statement. The ledger has various charges that are confusing to figure out because payments received were not credited or placed in the right column and subtracted from the initial balance. I am being charged for an eviction that was dismissed in court. I am being charged for late fees that can not be accessed to me because Section 8 federal housing was paying the full rent so any late fees would have to be directed to them. I am only receiving partial credit for my rent even though since XXXX acquired the property my rent has always been the same amount. They are only given my credit for {$310.00} of my security deposit but from their own records if they are correct I paid {$620.00} dollars which would more than pay the debt in question and I would be entitled to a refund which was not provided when I moved out. I am also being charged for rent after I was completely moved out. Same on the move-out ledger, payments are not placed in the payment column and are not subtracted from the outstanding balance. Which makes understanding it confusing. After my attorney reached out to section 8 he informed me to contact I.Q. Data International Inc for an updated ledger. I sent a demand letter asking for the ledger to be updated based on the information I sent them. I sent my lease, move-out statement, vacate notice, XXXX contract and payment ledger, info on five-day pay and eviction procedures according to The Housing Authority, five-day notice , and court proceeding that was not provided to Housing Authority ( section 8 ) . The demand letter and supporting documentation was received on XX/XX/2023, and picked up by an individual at the post office at XXXX XXXX  per the post office XXXX  XXXX. I have heard nothing back from XXXX or I. Q. Data Inc. I have enclosed the closing letter from the attorney that represented me in court and the demand letter they sent to section 8 asking for them to pay the late fees that XXXX on XXXX claims I owe. Section 8 provided proof to my attorney that all late charges were reversed and is shown on the ledger that was sent as verification of debt to me but it is still on my credit report. I enclosed the demand letter asking for a new ledger or for the information to be corrected from XXXX and I.Q. Data Inc, I enclosed the ledger sent to me and the move-out ledger which is not the same and does not reflect the correct charges. I am asking for a new ledger and if I owe anything for that to be reflected on the updated ledger and on my credit report. For all correspondings to be in writing. Or for this to be taken off my credit report and for them to stop trying to charge me for things I do not owe, also in writing.
Product: Checking or savings account

In XXXX of XXXX, I opened a checking account with Chase at their XXXX XXXX branch. Mr XXXX XXXX assured me that even with a smaller initial deposit, I will not be charged banking fees cuz it will be linked to an annuity I have purchased with them years ago. Then last XX/XX/XXXX, I discovered that Chase had started charging me banking fees of $ XXXX since last XX/XX/XXXX, without notifying me. Its a small account, I could have just closed it. They refunded me {$100.00} but refused to refund me the rest XXXX {$170.00}. ) I called and talked to several people but they referred me to Mr. XXXX XXXX. When I eventually got him he promised but never calked me back. No response to my email either. Banks are required to be transparent in all their dealings with their customers. I am retired and on fixed income, I have to be careful how I spend my money especially now that everything has gone up drastically due to COVID. Thanks for your attention and help.
Product: Credit reporting

I attempted to get my free annual credit report online. I was told it was not possibleto do it online and I needed to submit a huge host of documentation via standard mail. 
When I actually paid for a report. The same bureau had no problem deliveringthe same credit report without the same lengthy requirements. This seems like adouble standard and an attempt at driving sales to their site to make you pay foryour report. I had no problem with the other bureaus. Report # XXXX
Product: Checking or savings account

Hello my name is XXXX XXXX the reason i am making a complaint is because i had fraud activity happened on my bank account. There was on online website that said work from home all i had to do was enter account information to begin getting paid by taking surveys so i did it and not much later i started receiving letters in the mail ( XXXX ) with checks signed in my name that werent even written by me or deposited by me. I filed a complaint with Bank of America and nothing happened the account just closed and begin sending me emails sayin that i had to pay XXXX on ( XXXX ) i do not understand why. Now i moved to New York for school and no bank is letting me open an account and i am trying to figure out why? Even after i made a complaint to get the issue fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked to remove accounts on my credit report and they didn't also the accounts weren't verified the correct way pursuant to 15 U.S. Code 1681a ( e )
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding the failure to remove an inaccurate charge-off account from my credit report. Despite previous disputes and requests for its removal, the charge-off account with the account number XXXX, attributed to the company XXXX XXXX XXXX XXXX persists on my credit report. 

The inclusion of this inaccurate charge-off account on my credit report has had a detrimental impact on my creditworthiness and financial standing. I have made repeated attempts to rectify this issue by submitting disputes and providing supporting documentation, yet the erroneous entry remains unresolved. 

I would like to emphasize that I have no association with XXXX XXXX XXXX and have never incurred any debt or obligation with this company. Therefore, the presence of this charge-off account on my credit report is not only inaccurate but also unjust and damaging to my credit profile. 

I demand that immediate action be taken to rectify this matter by removing the inaccurate charge-off account from my credit report. Additionally, I request a thorough investigation into the circumstances surrounding the reporting of this account and the failure to address my previous disputes in a timely and effective manner. 

Furthermore, I expect compensation for the inconvenience, frustration, and potential harm caused by the continued presence of this inaccurate information on my credit report. 

Enclosed with this letter are copies of previous dispute correspondence, as well as documentation supporting my claim of the inaccuracies associated with the charge-off account in question. 

I anticipate a prompt response to this complaint, detailing the actions taken to address this issue and provide restitution for the damages incurred. Failure to do so may result in further legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , After TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on an account that I 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 Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX AND XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.