23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

on XX/XX/2023, I visited XXXX XXXX ( a grocer/vegetable store ) I was putting items in my cart including a bottle of XXXX oil in my cart. a lady, whom I later think is the manager, came up to be, took the bottle of oil from and cart and said " you should not have this in your cart I will keep it for you at the register '' and she took the bottle of oil from my cart.

I continued shopping, when she again came to me and said I broke a bottle of the oil to which I said no, no I did not. She said she saw me on the camera. I told her to show me the footage since I know I did not break any oil.

She then said one of her worker saw me. I said that's not true I did not break any oil.

I continued shopping, then went to check out at the cashier register. At the register I gave all the items in my cart to the cashier ( the manager was next to cashier ). the cashier cashed all the items including the bottle of oil which was for {$39.00}. ( see receipt # 1 ). She gave me all the items except for the oil. I asked her several times for the oil, the manager said I paid for the oil. I said where is the oil I paid for she refused to give it to me. I then paid again for a bottle of oil which was given to me.

I told her I did not break the oil and I will report it to my bank because she charged me for {$39.00} for a bottle of oil which was not given to me.

I reported this matter to capital one ( Claim XXXX # XXXX ) and disputed the XXXX on the receipt # XXXX. I requested that the vendor show proof/evidence, the camera footage showing that I broke the bottle of oil.

Capital one told me that they have investigated it and refused my claim for the refund {$39.00}.

Capital one further told me that I will have to show them evidence that I did not break the oil or that he Oil was not given to me.

Attached are the vendor document submitted to capital one and the email from capital refuting my claim.

Thank you for you serious investigation of this matter since in my opinion there was no investigation conducted by capital one. the vendor did not submit any evidence to substantiate her claim, yet capital one sided with the vendor.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX  ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections XXXX and XXXX, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to a  XXXX   XXXX  payment for m y credit score and was signed up for a subscription. There tactics are deceiving and extremely difficult to undo. I had to make three very long calls in order to reach them and they refused to refund my money for something I never wanted. They make it seem as though you are agreeing to a one time payment when in fact it is a subscription.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this is not my account I never live at this address
Product: Debt collection

The account # on these accounts is Eos CCA- XXXX XXXX XXXX XXXX- # XXXX These accounts do not belong to me. I have attached my affidavit of forgery on a police report. I have also attached a copy of my id as proof of my identity. I have also contacted the FTC concerning this matter.
Product: Credit card

This morning XX/XX/24 I received an email from XXXX XXXX stating that there had been a change to my XXXX credit report. A lender reported that you opened a new account with them. Visit the alerts section of XXXX XXXX to review a recent change in your credit report. I checked the alert section, and it stated that my credit score had dropped. On XX/XX/24 a new account was opened with Bank of America according to XXXX. I also saw that on XX/XX/24 a new account was opened with Bank of America according to XXXX. I did not apply for a new account with Bank of America. I reached out to Bank of America ( XXXX ) and spoke with XXXX in the fraud department. I provided her with my name, address, phone number and XXXX address. She said she would file a claim and that I would receive confirmation via email and regular mail. I reached out to XXXX and requested a freeze and a fraud alert on their credit agency. I also contacted XXXX and requested a freeze on their credit agency. She told me to contact your agency so that I could get and FTC report and then mail a copy to XXXX so they could investigate the Bank of America application.
Product: Checking or savings account

I was instructed to make final payment with a personal check after canceling automatic withdrawal payment, the personal check payment for {$240.00} cleared on XXXX XXXX on XXXX XXXX KMF also withdrew funds from my checking account. I reached out to the company immediately after seeing the error and they said they are unable to reverse the error.
Product: Debt collection

I am writing to register another formal complaint regarding the unresolved matter of a medical collection debt associated with my account, currently being pursued by Wakefield & Associates. Despite my previous attempts to address this issue and your company 's failure to adhere to consumer protection laws and guidelines, this unjust and incorrect entry continues to tarnish my credit report. 

In XXXX, I lodged a dispute with the Consumer Financial Protection Bureau ( CFPB ) concerning the medical collection debt under your agency 's name. Regrettably, the matter was not resolved successfully, necessitating further action on my part. On XX/XX/2021, I sent a certified letter to your agency, requesting the following documentation be provided to me within 30 days : Proof that my HIPAA rights were not violated during the debt collection process. 
Detailed itemized billing statements pertaining to the debt in question. 
Any contracts or agreements with my signature that validate my responsibility for the debt. 
Despite my efforts to engage in a transparent and compliant process, Wakefield & Associates failed to respond to my certified letter and provide the requested documentation within the stipulated time frame. This blatant disregard for consumer rights and protection only serves to exacerbate the issue. The item in question remains on my credit report, despite my persistent efforts to ensure its accuracy and compliance with the law. 

It is my legal right, under relevant consumer protection laws, to receive the information I requested in writing within the specified 30-day period. Furthermore, these requests for information should have been extended not only to me but also to the credit reporting bureaus, as mandated by law. Your failure to fulfill these obligations puts your agency in direct violation of my consumer rights. 

I wish to reiterate that the credit reporting agencies confirmed receipt of your verification of the debt. However, this verification does not absolve Wakefield & Associates from the obligation to provide the requested information within the stipulated time frame to me in writing. Therefore, I insist that you take immediate action to rectify this situation by removing the inaccurate and unjustified entry from my credit report. 

I expect to receive written confirmation of the steps taken to address this matter within 15 days from the date of this letter. Failure to do so will compel me to escalate this complaint further, including seeking legal counsel to ensure my rights as a consumer are upheld. 

I look forward to a swift and lawful resolution of this matter and anticipate your timely response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I deposited a third party check into the atm. Later that day an employee of Usaa called me and informed me that my check was being returned because we endorsed it incorrectly. ( They record all calls ) they said they were sending a replacement check back in a XXXX with return instructions on How to properly endorse the check. Once received i followed the instructions provided and used Usaa return paid for XXXX envelope and sent it back XX/XX/2023. After numerous calls throughout XXXX on XX/XX/2023 I was informed that they expect the check to return and after 60 days they would close my account. I waited the 60 days and on XX/XX/2023 I called asking for the closure of my account and when would my check be mailed. I was informed that they were not providing a timetable for the releasing of my funds although the treasury department has already cleared the check. I provided all identifying documentation and offered to send the actual tax return transcripts. It has now been over 100 days and I cant get the treasury to reissue the check because it has already paid the check. They said the check was altered or inflated as the reasoning behind not releasing the funds but both those false accusations can easily be disproven with the documentation I provided and still offering to provide
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm looking to have XXXX XXXX CREDIT CARD remove any disputed information from my credit report. I am no longer disputing this account ( it still shows the account is in dispute ). Can this company please remove this language from my credit reports? I've asked them time and time to remove them, but to no avail.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below, which still appears on my credit report after your investigation. I would like this item to be immediately re-investigated. The inaccurate information is highly injurious to my credit score.

Account Name - XXXX XXXX XXXX XXXX Report Number - XXXX In accordance with The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611. Can you provide the names and business addresses to whom you verified the follow up dispute Investigation. Also, what was the method of verifying my dispute. If so, what is the name and number of the parties you verified the information from. If a verbal conversation was held, can I get a transcript of the conversation with the date and time for confirmation verification. 

Please send me an updated copy of my credit report after you re-investigation. If you are unable to send me these verifications as per The Fair Credit Reporting Act, please remove this unverifiable item of my credit report. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, you're practice is unacceptable. {$91.00} out of a {$1000.00} cc balance was paid in full XX/XX/XXXX. My fico was a XXXX now it's a XXXX, it should have gone up but you've avoided doing that knowing if you wait and update later in the month the score will only go back up a few points which in turn will benefit the unlawful deals you have with corporations ( selling peoples private information ) forcing people to try and get more credit to better their score, in which it will only drag their score down more ( vicious cycle ). XXXX  and XXXX updates monthly. My score should have gone up. Previously, 2 years back ( XXXX ) my score was all over the place with experian ONLY and no explanation on my report or from experian and when I called to find out experian said they couldn't tell me why my score was dropping every other month ( for 6 months straight ) and that it would say on my credit report but I had been checking prior to calling experian ( for 6 months ) and no reason was given, no inquiries, no attempts at use of credit. I was living in XXXX XXXX and wasn't touching my credit. I informed the individual I had been watching for 6 months, no reasons were on my report and she said she couldn't tell me and I would have to check my report ( $ $ $ for them right ) I repeated myself and so did she. Experian is criminal and this is unacceptable. As experian has been proven to sell peoples information illegally and with out consent, they need to be stopped.
Product: Student loan

I have been trying to log into my Mohela account but I can't log in. The password I used to use suddenly does not work. Apparently Mohela has a new servicing platform. But when I tried to create a new account, it said it didn't recognize my social security number. I get emails from Mohela telling me to log in for information and to see my payment due date. But how can I do that if I can't log in?
Product: Debt collection

to whom this may concern I am writing to report all of the incorrect information listed on my credit report. I am a victim of identity theft. I am interested in all original creditors reviewing the files with the dates, account, amounts listed an remove the information immediately. this has rendered me from moving forward due to these errors. my credit report is supposed to be 100 % accurate on all 3 credit reports. that is not the case. please review the details in the files.
Product: Credit card

I applied for a loan to purchase a computer. After receiving the laptop, I paid the entire bill without any issues. However, I later began receiving bills for {$7.00} for an account I never signed up for. I contacted the company, and they assured me they would remove the amount and close the account. Although they closed the account as promised, they continued to send me bills and added the amount to my credit report. The bill has now increased to {$77.00} due to growing late fees. I disputed the account, but the three reporting agencies claimed it was accurate. I was unaware of the existence of this secondary account. The company should have disclosed this information to me. I would have informed them that I did not require the additional services if they had. The purchase came with a warranty. My sole intention was to purchase a computer. I urgently need assistance removing this incorrect information from my credit report, as it shows that I was late in paying a bill that I was unaware of.

I request the removal of three late payments from all three credit reporting bureaus. Additionally, I was unaware of the service fee after the contract ended and would like it to be eliminated. I also request that the service be stopped from accruing any more late payments. If the service were included in my contract, I would like it to stop once the contract is paid in full. They should send a letter or email confirming that the service will stop once the computer is paid in full and allow me to opt for an extension if I choose to continue the services. The service is hidden in the contract with the loan of the service, and I would like more transparency in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection company made a mistake two times. 
The first time after they had put an account into collections without any notification they were kind enough to fix it when i made payment due to their mistake. 
This past XXXX they put another account into collections. They never called me or sent me any letters notifying me of the debt ( they confirmed this on a recorded call ) I paid the debt as it was legitimate and asked that they pull this from my credit. They are refusing. This is the same exact scenario in which they knowingly made a mistake and fixed it previously.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00}
Product: Debt collection

FCO has reported a collection on my credit report this year. I had no idea that I had a collection because I pay all my bills on time. I reached out to FCO who collected all my personal info, confirmed my address with them then stated their harassing calls to my home and work demanding a payment. I never received any collection letters I didn't know I could dispute the amount ... I finally gave up and agreed to pay the amount in lieu of deletion. FCO agreed to settle but did NOT issue any settlement letters or deletion letters. FCO told me they would only issue a deletion letter if I paid immediately over the phone, which I did. Now they are refusing to issue any letters or to delete this account in its entirety from my credit report. I paid but didn't get what we agreed on. Still no letters from them, please help ...
Product: Credit card

Unable to dispute charge. Called toll free number on card XXXX times. Each time after identifying myself, the recording recognized me and my phone number, and it accepted my " secret word '', it would say " we 're too busy right now to take more calls '' and just would give me a dial tone. So my CC company just hangs up on me when I 'm trying to do a dispute. So I called and after many questions and answers supplied to the automated system, finally I was able to get customer service. I could hardly understand the person, they had a very strong foreign accent and did not speak in complete sentences. They said the disputes department could n't take my call as they were overwhelmed with calls, and I would have to try again some other day.
Product: Mortgage

I bought my house in 2003 for XXXX. I put XXXX  as the downpayment. My loan was with XXXX  After more than 12 years paying them, on time, my loan went up. For months I tried to negotiate the loan ( trying to bring the principal down ) because it just went up. I sent them all the letters they requested. Months and months passed and they made all kinds of excuses. Then they sold the loan. I tried to get a loan modification through HUD and a lawyer. The loan modification I got has horrible terms. After paying more than 300K to the various companies, I still owe XXXX plus some late fees!!!! That is not just outrageous but unethical and perhaps illegal. I have been paying XXXX to Rushmore who bought my loan from a horrible company called XXXX which is now being sued. I have never been late in payment but my principal does not go down. Now they have raised the monthly fee to XXXX  which they say it is for back taxes. I did not agree to this as coming up with XXXX dollars a month is a lot of money. I would like to pay the same amount and I would like them to reduce the balance. Why should they be making XXXX percent profit and the homeowner NOTHING. I want them to reply and to come up with a resolution that is beneficial to me and not just to them. I also pay for insurance and HOA which means I can't come up with XXXX extra a month. I would like CFPB to negotiate a better loan with them. I want to own a brick in my houseXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureaus have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against them, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX XXXX TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inactions violates federal law and my rights as a consumer.