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

A credit was submitted by a merchant at approx XXXX XXXX  on XX/XX/year> to my checking account. I followed up on XX/XX/year> to see why my credit wasn't reflected on my account. Wells Fargo explained that they could see the pending credit. I found this very unusual, since banks will only see credits on checking accounts once processing is complete. I called back again on XX/XX/year>, and I was again advised credit was " pending ''. I checked my checking account on-line again XX/XX/year>, and no sign of credit reflected on my checking account. I finally looked today XX/XX/year>, and strangely enough the credit is reflected with a posting date of XX/XX/year>. This is confirming that Wells Fargo is purposely delaying posting of credits issued. In my line work I assist guest with billing questions, such as settlements, authorizations, and credits to their checking accounts on behalf of the hotel. I've had quite a few customers calling regarding the processing of credits on their own Wells Fargo checking accounts. In 3-way calls with Wells Fargo , bank reps are telling account holders that credits are pending. Banks will usually advise account holders, that credits will reflect when processing is complete. Why? is it that if my credit was posted on XX/XX/year> is it not reflected till XX/XX/year>, something is very wrong with this practice.
Product: Credit card

XXXX XXXX - file dispute - amount XXXX, due to a merchant refused to refund even after received my return XXXX XXXX - received dispute case close letter from capital one due to merchant denied receiving my return, case close and the fund went to merchant ( i try to resolve with merchant but merchant refuse to refund ) XXXX XXXX - contact capital one and explain my issue, uploaded return package tracking to show merchant has received the return. also uploaded conversation screencap to show merchant refused to refund XXXX XXXX - capital one refuse to credit the amount to me due to insufficient evidence, case close. 


XXXX XXXX- i am disappointed to the result and file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my rights. Experian, for the last 2 years has blocked me out of online disputes evidence submitting, viewing disputes online. and phone calls. I pay them XXXX a month for credit services. when I look at friends accounts during my investigation I notice the other people have full access to online disputes evidences submitting. and Experian sends them to different departments than me. Experian is trying to keep my from correcting information on my credit report. please advise.
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 # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX 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: Debt collection

On XX/XX/XXXX entered agreement with XXXX XXXX XXXX XXXX XXXX XXXX install new A/C and heating. We financed through them {$8400.00} for 48 months no interest, through XXXX. In XX/XX/XXXX installation took place. XXXX sent written billing requesting {$170.00} per month. We paid the {$170.00}, but paid 2-3 extra payments and set auto payments of {$170.00} thereafter. XXXX unilaterally changed the term of the agreement by adding terms not agreed upon -- 1 ) monthly payments ( agreement payoff total within 48 months no interest ) ; 2 ) if additional payments made they still demanded monthly payments ; 3 ) and if {$170.00} was not paid each month then a late charge is being imposed. At least 3 phone calls were made to XXXX and email with a copy of the XXXX agreement, but they refused to follow the agreement, sending their own unilateral agreement which was never agreed too or signed. A letter was sent XX/XX/XXXX setting out our position, advising of the dispute and our previously having provided the signed agreement with XXXX, asking for clarification on how they wished to proceed. No written response or communication via email as requested. They make unwanted calls just about weekly to my wife, XXXX. They are harassing and annoying, and send demands for payment, including later charges.
Product: Debt collection

Did not receive notice of debt and right to dispute. Balance is {$640.00}. I do not know the date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a police report. I submitted this with also my drivers license and social security card as well as my statement. They have failed to remove this fraudulent accounts as the say my police report doesnt meet their internal policy. I asked what is the policy so I can have the police correct this issue and they will not disclose this to me. I have tried sooo many times to have these things resolved and they are failing to help me. If the government says I was victim of identity theft how is the credit Bureau refusing to help
Product: Debt collection

On XX/XX/2018 I filed a complaint against XXXX XXXX XXXX. due to not having a contract with the company because a contract I had with XXXX XXXX was charged off XXXX XXXX brought my debt from the company. There is no signed contract between myself and XXXX XXXX XXXX XXXX stated they longer have an account for me because the contract was canceled and charged off on XX/XX/XXXX XXXX XXXX replied to my complaint and sent me someones bills with their name address and social and sent someone else signed contract they did not send a contract with my name on it between them instead they violated my civil rights and also someones privacy and confidentiality
Product: Student loan

Went through refinance process with XXXX and elected to pay off XXXX of my XXXX federal student loans, the XXXX with the highest interest rates. Instead of applying the nearly {$6000.00} to those XXXX loans specifically and closing them, Fedloan spread out the nearly {$6000.00} across all XXXX of my student loans even though I have explicit correspondence with my refinance company about which loans are to be paid off with the funds. Fedloan has not resolved the issue and I continue to gain interest on the loans that should be closed due to error on their part.
Product: Credit reporting or other personal consumer reports

My information was leaked by the data breach that took place recently and I would kindly ask that any and all negative accounts or hard inquiries be removed from my account on all 3 different bureaus. Also alot of false personal info showing on all of my credit reports from all 3 bureaus.
Product: Student loan

I deferred my student loans ( 7+ Different loans ) after graduating with XXXX in XX/XX/2013 from XXXX XXXX Univeristy. It was my understanding and I was told by the university that loans would be deferred 12 months. However, I was billed at the 6 month mark and billing invoices never made it to my address. They were sent to the wrong address. Therefore, at the 12 month mark when I contacted Nelnet ( student Loan company ) to pay my first payment and set-up a plan, all my accounts were 6 months late. 

This has stayed on my credit report ( 7 severely delinquent accounts ) For the last 5 years and has significant impact on my credit score.
Product: Checking or savings account

On XX/XX/2023, I arranged a recurring payment to XXXX XXXX for our car payment through PNC Online Bill Pay in the amount of {$710.00}. XXXX never received the payment so I notified PNC in early XXXX and they sent a letter to XXXX outlining the ACH payment info. XXXX could not locate the payment. This was later converted to an XXXX dispute on XXXX XXXX which PNC closed on XX/XX/2023 because they couldnt reach XXXX. I asked for it to be reopened and we then received a denial of our dispute on XX/XX/2023 stating no error had occurred. Upon discussing additionally with XXXX, they informed me the payment was sent to an unrelated bank ( XXXX XXXX Bank ) per the payee routing number on the original payment detail letter. This was passed on to PNC and they have since denied our XXXX dispute twice ( XX/XX/2023 and XX/XX/2023 ) indicating too much time had passed since they initially denied the claim. At no point had I ceased communication or not provided them with additional info to help locate our missing payment, but to date they have not even attempted to contact XXXX XXXX XXXX  when it was 100 % their fault for arranging payment to the wrong institution. It has been four months we have been without our money. Our first payment was late so we had to make a second payment to make up for the missing payment. We have been customers of PNC for many years and have never had a problem with Bill Pay. Its unfortunate this is how they treat their customers when an issue arises, much less when the issue is caused by their negligence.
Product: Credit reporting or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 



XXXX XXXX XXXX XXXX *Account only present on transunion* inaccuracy Cares Act- Late payments XXXX, XXXXXXXX XXXX XXXX day XXXX on XXXX XXXX shows different *12 late payment inaccurate Also XXXX XXXX XXXX XXXX  Different account number XXXX XXXX XXXX XXXX 8 late payments XXXX balance Account paid on time XX/XX/XXXX XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX XXXX Shows 3 late payments XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXTransunion Shows 6 late payments XXXX 6 late payments different account number* Inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts on my credit report that do not belong to me they are not mine they have not been signed authorized or used by me!!! 
I need these accounts off my credit ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SAVERAL INACCUSCIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE. 

NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX NAME : XXXX XXXX ACCOUNT NUMBER : XXXX NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX NAME : XXXX ACCOUNT NUMBER : XXXX NAME : XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for a validation of debt for Auto Insurance XXXX XXXX and was also a victim of identity theft
Product: Checking or savings account

I opened my account in XX/XX/XXXX i changed my number a month later. Tried to operate my account and the Citibank fraud department blocked it and froze my account. It is now XX/XX/XXXX ive spoken to the bank numerous times where they said they will provide a reference number to my house in the form of mail, but the letter has never arrived and my account remains frozen. I havent been able to use it for any thing and money seems to be spent from my account all in all Id like to have my money back.
Product: Mortgage

My lender wants to foreclose on my home but have refused to provide a payment accounting statement and proof that my loan was sold to them in accordance to the Fair Debt Collection Practices Act. Last week they posted a Notice of Default - ( a stack of papers at my front door containing my loan number and personal information ). I feel like they are trying to embarrass me. The papers stated that they do not have a valid phone number for me but that is a lie because I have been talking to their insurance department. My water heater leaked and caused water damage, Seterus held on to the insurance payout check. They are paying me in increments as the repairs are being done. So it is not possible for them to claim that they do not have a working number for me. They had also sent a lady from XXXX to take pictures of our house, my husband even closed the garage door for her to get a good picture.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a discrepancy regarding my real estate loan with Shellpoint Mortgage. According to my credit report, there is a missed payment erroneously recorded in XX/XX/2023. I wish to bring to your attention that this discrepancy was addressed during the COVID-19 pandemic grievance period, during which I received written assurance that the credit report error would be promptly rectified. 

Despite assurances, as of today, the erroneous late payment remains unremedied. Consequently, I am seeking an immediate resolution to this matter. Specifically, I request the immediate removal of the late payment from my credit report and the correction of this error with all three major credit reporting agencies. 

Your prompt attention to this matter is greatly appreciated, and I trust that this issue will be resolved expeditiously.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$870.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

Experian refuses to investigate dispute, claiming dispute was not sent by myself. I included photocopies of my State ID, A Bank Statement including my name and address and copy of my Social Security Card. Can not talk to live representative to explain that it was I who sent dispute. This has happened several times with Experian. I included ALL required documentation of my ID. They refuse to investigate valid disputes.
Product: Credit card or prepaid card

74 charges totaling {$4000.00} were marked as fraudulent. and credited to my account in XXXX of this year 2021. 
Later in XXXX when receiving my new card all 74 charges were then recharged on my account as soon as I used it to take an XXXX  trip. 

After speaking with a representative we found that 73 of the charges were by the merchant name " XXXX XXXX '' and correctly marked fraudulent totaling {$4000.00}. 
1 of the charges were from " XXXX XXXX '' on XX/XX/2021 for {$11.00}. and incorrectly marked by the card company as fraudulent as ( I had requested only charges to " XXXX XXXX '' as fraudulent ) my trip with XXXX recharged all of the 73 fraudulent charges as well. 

I reopened my fraud case with this new information. 

I have never used XXXX XXXX to make a food delivery : I do have 1 legitimate order on XXXX XXXX from " XXXX XXXX XXXX' for {$65.00} which is not on the list of fraudulent charges as it was not processed under " XXXX XXXX '', but otherwise I have 0 orders from the XXXX XXXX XXXX  and have never used it to make a food delivery. 

on XX/XX/XXXX, a chase fraud representative handling my case named XXXX, called my phone at XXXX XXXX, after 2 minutes of intermittent connectivity the call was lost. I called back 3 times, XXXX, XXXX on the same number ( XXXX ) XXXX and then again at XXXX but this time on the number on the credit card ( XXXX ) XXXX. A representative told me that XXXX was now inactive. but would leave my number to be called back. I never received a call On XX/XX/XXXX I called back and I was informed that XXXX decided that the charges were all legitimate on the XXXX without the communication or information he clearly initially wanted to call and ask from me. I informed the representative that I would make a CFPB complaint.
Product: Checking or savings account

I opened a Credit Karma Credit Builder account. Every credit to my account was always processed within XXXX hours before meeting my threshold. The last credit, that would have met the threshold amount, has been processing for 7 days. They will not release my funds or close the account. The account also did not increase my credit score as they claim. I just want my money and the account to be closed.
Product: Credit reporting or other personal consumer reports

These are the accounts that I marked to be innacurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a Barclays Bank VISA card, which I DID NOT apply for. I called the Barclay bank and talk to the " Relation Manager '' and she stated the applications was generated at an XXXX in XXXX CA.on XX/XX/2016. She forwarded this fraud to their fraud division for further investigation. The application had the correct social security and my home address, but INCORRECT mother 's maiden name and cell number. I immediately contacted and filed a report to " www.identitytheft.gov '' and also contacted and place a fraud alert to all my banking institution. Also contacted Social Security Administration and they lead me to the Office of the Inspector General, and I also filed a report with them. I filed a fraud alert to the XXXX major credit report organization ( XXXX, XXXX, and XXXX ). At this point I wanted to file a fraud alert to all governing parties that deal with Identity Theft. Is there anymore I can do? According to SSA, changing my social security number is close to impossible. 
Please advise.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent a notarized notice to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 90 days now, and I have received no response at all. I sent the notice on XX/XX/year>2024. I also requested that the Credit Reporting agencies remove this account from my report. 

I am attaching a copy of this notice. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Payday loan, title loan, or personal loan

I have a previous line of credit for a federal credit loan and was sent to the wrong address to process the payment and was pick up as collateral from an uninsured work and arbitrated the account from reconsidering the expense.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I submitted an application to Veteran 's United for a pre-authorization for a mortgage loan. When I checked my credit a month later, it had a XXXX XXXX XXXX added to it. I did not finish applying for the loan, and did not take it out. This brought down my credit to the point that I am having trouble applying for credit lines. I do not owe the company any money. I contacted XXXX and they stated that if I were to get a letter from the company stating they did not intend for this to happen, I would be able to get the inquiry removed and everything would be reversed. I have emailed the company, and they said there is an adhesive disclaimer stating they may make a credit inquiry. The adhesive clause does not provide that XXXX points can be taken off of my credit score. Since this went through all three credit bureaus and they have a scoring model defect, I was directed to take this issue up to them. I am very upset that this has happened, I believe the credit bureaus need to have scoring models that are not bias against a consumer for not getting a line of credit. I also believe that this is an excessive amount of points to be deducted. United Veteran 's will not give me a letter to remove this inquiry from the bureaus.