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

Capital One has provided inaccurate information regarding a dispute, in essence not allowing it. I called in the day the fraudulent charge occurred and was lied to about the dispute process. When calling in the day before payment for amounts which would include the disputed amount was due, the bank informed documents were noted in my account and if the disputed amount is not paid, interest on it would apply. The bank stated I did not provide proper documents regarding the dispute which is not true. The retailer, Walmart, stated I would be contacted regarding the dispute and I was not. The retailer, Walmart, put in inventory a product that belongs online. Walmart charged more than the sticker price for it and did not inform it could not be returned  after charging me more than the price tag cost of it. I dispute the charge and am not being allowed a dispute of the charge in a manner protecting me from the charge or added charges in a way that is transparent or reasonable. No documents are seen on the web page of Capital One which was stated to me today I was responsible for reading. What the bank and retailer are doing is fraud. It is a fraudulent business practice to charge above a price tag on an item without explaining the charge would be added to the item, and it is fraud to not inform a customer both the charge on the price tag, an the added charge not explained was not returnable. No return policy was explained before the purchase, which Capital One states I was responsible for explaining to them while confusing me about allowing a dispute after the disputed purchase is paid, forcing interest on an item the bank has refused to dispute. No explanation that correspondence was requested to be online was provided when making the dispute on the day of the purchase ( XX/XX/XXXX ) was given while stating a letter would be mailed by XX/XX/XXXX if the item was not one a dispute for would be upheld. Walmart, once again, informed I would be contacted regarding the dispute yet did not contact me. These practices of each retailer seems designed to overcharge without reasonable recourse, hence the complaint I am presenting here.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX account number XXXX. Due to inaccurate information and XXXX  denied to follow up with the investigation. I was recently notified cfpb has a lawsuit pending on XXXX. They alleged the company of accepting unreliable information, failure to notify accurate and throughly investigated consumer dispute results. All of this alin with my issue, as XXXX  has not attempted to remove or correct any information on my consumers report. XXXXm requesting that this derogatory remark be removed as this has been a major impact on my chances of getting a house, a car, credit card & etc. XXXX has violated my rights as a consumer, as well as federal laws.
Product: Credit card or prepaid card

On XX/XX/2022, I had a debt consolidation loan completed through XXXX. This was to pay off my two American Express Cards as well as some other debt. The money that was designated for one American Express card went through and was credited to my account. The money for the other card in the amount of {$12000.00} has still not shown up as of XX/XX/2022. I have been in contact with American Express and XXXX multiple times trying to get this resolved, and the money still can not be tracked down. All of the information American Express has asked for, I have supplied per the information XXXX provided to me. I was advised this would be my best route at this point to get this resolved.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XXXX XXXX, XXXX we filled out a RMA with BOA for a Harp XXXX XXXX modification. In XXXX XXXX we were granted a temporary modification from BOA. We were informed that the modification could change after we made the XXXX trial payments to a XXXX XXXX XXXX. In XXXX XXXX, we made our 3rd payment to complete the 3 trial payments. We spoke to our account representative and she said she was putting in the request for the permanent modification. She stated that we should receive the paperwork in the mail in approximately 15 days. We did not receive any paperwork in XXXX XXXX. I called BOA to inquire about making another payment and about the permanent modification. They processed the payment and then told me that there was no paperwork completed yet for the permanent modification. The representative then told me that there was no guarantee we would receive a permanent modification but that we should continue to make monthly payments.
Product: Debt collection

Navient did not sent out notice that the debt was due until several months later, by then our interest was racking up. When I finally call them up and the lady on the line said yes your loan was due long ago and the interest now is $ XXXX. I have no choice but to paid the debt in full immediately so the interest stop racking up. I have paid the debt by now but now I just read an article about Navient being sue and I realized I am not alone. What can I do now? Thank you for your help. XXXX XXXX of XXXX, CA
Product: Money transfer, virtual currency, or money service

Paypal had an account that they had maintained for several years. Paypal concluded, per their website, that I had violated their user agreement adn said I could then withdraw any money they had after 180 days. If this wasn't sleazy enough, they have held the money for longer than 180 days. Operators acknowledge that I can withdraw my money now, XX/XX/XXXX, becuase the 180 days has past. However, there is a " technical '' error every time i go do do that. 

If you will look at the excel sheet i am submitting, you can see that as of today, XX/XX/XXXX, it is 187 days. 

So it just seems that paypal induced me to use their service, accused me of something, but wont ' tell me what, and now won't return my money for 180 days. HOwever, tehy won't return my money after 180 days either. It would seem Paypal is just keeping myh money. Seems like a good business, 100 % profit. 

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

XXXX  XXXX XXXX  XXXX AMOUNT : {$230.00} DATE OPENED : XX/XX/XXXX XXXX  XXXX  XXXX  AMOUNT : {$200.00} DATE OPENED : XX/XX/XXXX PENN CREDIT CORPORATIO AMOUNT : {$550.00} DATE OPENED : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im beyond frustrated to see errors on my report negatively affecting my scores and limiting my financial options. These mistakes should not be interfering with my future.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX incorrectly reported the balance of my mortgage account in XXXX by XXXX which negatively impacted my credit score causing it to drop by XXXX points the day after reporting this information as it signifies delinquency on my mortgage payments which is not accurate. 

The balance on my mortgage statement issued by XXXX XXXX is accurate but the balance of the account reported to credit report is incorrect ; I openned dispute with three credit reporting agencies but they referred me to the lender to correct information ; I contacted XXXX XXXX and they openned a case that was supposed to be resolved by XX/XX/XXXX according to them ; then I contacted again after the information on the account was incorrectly reported in XXXX and was told that the case was closed as " XXXX XXXX does not interfere with how credit reporting agencies calculate credit score '' ; they ignored the problem which is incorrectly reporting account balance but focused on the consequences of the problem which is not their responsibility to wash their hands and pass the buck to someone else. 

I had a credit rating of XXXX before that reporting error and it dropped to XXXX the day after ; no other accounts added or changes during the period of their reporting error and my score drop. 

The negative impact of the incorrect account balance has materialized already and I am paying for it in my cost of borrowing. 

I am only requesting that XXXX XXXX correct the account balance reported to credit agencies to match the balance they send me on my mortgage statement and year end tax record.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian for failing to respond to a dispute letter I sent via USPS Certified Mail tracking number XXXX on XX/XX/year>. In this letter, I requested an investigation into multiple inaccuracies on my credit report, as well as corrections to incorrect personal information. According to USPS tracking, Experian received the letter on XX/XX/year>. 
Despite the significance of these inaccuracies and their impact on my creditworthiness, I have not received any response or investigation results from Experian. This lack of action is both concerning and frustrating, as it directly affects my ability to access credit and other financial services.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and provide results within 30 days of receiving a dispute. XXXX failure to meet this deadline is a clear violation of federal law. I have attached a copy of my dispute letter to Experian and the USPS certified mail receipt as evidence.
Product: Checking or savings account

Allowing payments to go through when I dont have the money to charge me overdraft fees.
Product: Money transfer, virtual currency, or money service

I tried to get into my account and I miskeyed my duo authenticator. When I tried to enter the correct number, my account was immediately disabled. It 's been two weeks and I have yet to receive a meaningful reply from the company ( Coinbase ). I want to regain access to my account as I have money locked inside it. Case XXXX
Product: Credit reporting or other personal consumer reports

I requested 9 documents of validation disputing all the inaccurate information across a three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016, I traded my Honda for a new vehicle. The account was in good standing and completely paid off. The account has shown closed and paid in full as of XX/XX/2016 on all three credit reports since then. A few months ago, my XXXX monitoring alerted me for delinquent reporting. When I looked, it was the American Honda reporting a 30-day lay for XX/XX/2016. I have tried to get this corrected several times already to no avail. At this point, I am ready to escalate if needed. This is starting to create issues and question my creditworthiness and integrity. I have been denied for business credit, and personal credit limits decreased significantly siting delinquency. I was never late with this account, and I find it ridiculous that this randomly appeared on my credit report 6 YEARS AFTER THE ACCOUNT WAS CLOSED.
Product: Credit card

My balance is about {$500.00} under the limit but the available credit is only XXXXne dollar. I have been given multiple answers as to why but can not seem to resolve the issue- the available credit is still not correct. It has been in this status for about 5 business days, I filed a dispute today and now I am told the issue is the amount of todays dispute which is not possible, as it has been this way for days. I cant get a straight clear answer as to what the issue is. Calls to the company span from 30 minutes to over 3 hours. I need help resolving the problem and am tired of always speaking to a new person. Today after being on the phone for over 30 minutes speaking to multiple departments, I was supposedly transferred to a supervisor, but I was transferred and told that this office is closed. This is the second time this has happened in the last two days.
Product: Credit card

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding a series of fraudulent transactions on my Chase Sapphire Preferred credit card and the inadequate response from the fraud investigation department. 

On XX/XX/2023, I discovered 34 unauthorized transactions amounting to {$1100.00} made with my Chase Sapphire Preferred credit card through my digital wallet on my XXXX. Despite repeated attempts to report these transactions as fraudulent, the department continues to assert their validity, implicating me in what appears to be a criminal act. 

The transactions occurred in cities in the state of California on the same day. However, this is categorically impossible, as I reside in Puerto Rico, and the 34 charges were allegedly made in three different cities simultaneously. It is evident to anyone with common sense that these transactions are fraudulent. The department 's primary " evidence '' relies on the assertion that these transactions were made in person through my digital wallet. 

I am also dismayed by the substandard service and insufficient protection afforded to me as a credit card user. On XX/XX/XXXX, I added my Sapphire Preferred card to my digital wallet and received a confirmation email. Curiously, the next day, I received an identical email, potentially signaling the commencement of the fraudulent activity. Additionally, I received a fraud alert when purchasing plane tickets with XXXX in XXXX XXXX for {$620.00} on the same day as the fraudulent transactions. Strangely, the 34 transactions, totaling over a thousand dollars in three different cities, did not trigger any alerts. 

I urge Chase to reevaluate the validation of these transactions promptly. I am prepared to pursue this matter within the confines of the law to ensure the removal of these charges from my account. I find it distressing that, despite my prompt and responsible credit card usage throughout my association with Chase, I am now subjected to accusations of dishonesty and criminal behavior. 

Please contact me at your earliest convenience to discuss the necessary steps to rectify this situation. I appreciate your immediate attention to this matter and expect a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXXXXXX XXXX XXXX Account No - XXXX XXXX. XXXX XXXX- {$1300.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account XXXX XX/XX/XXXX I already contacted XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, experiana actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Conn 's has repeatedly called before XXXX  & after XXXX. They did so again today, XX/XX/2020 at XXXX. I've asked them repeatedly to stop, but they don't.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, $ XXXX ( XXXX XXXX ) I was notified by text alert to log into my XXXX  account. I reviewed my account to find a collection account that was sold by XXXX XXXX to a third party attorney office By TransUnion LLC. I was not given the rights under the FTC ( Fair debt collection act ) notification of it being sold or who has it but, it was just placed on my credit report been I am receiving Federal Student Loans. I call XXXX  on XX/XX/XXXX and was given the number to TransUnion LLC at ph # XXXX. TransUnion didn't want to take the blame for not notifying me so, it was blamed on the company that purchased the debt and it stated that I made a payment ( false and misleading-fabrication ) It also stated I was affected by natural XXXX which, I PAY ALL MY BILLS and HAVE GOOD CREDIT. TransUnion LLC stated they were sending the account back to the agency. I ask them for a name, phone, and address but, TransUnion LLC REFUSED TO GIVE ME THAT INFORMATION. TransUNion stated I need to submit once again the police report from orginal filed in XXXX with XXXX  breach which XXXX just adding. I was told my XXXX  that they dont have the info.. So I AM ATTACHING THE POLICE REPORT of IDENTITY THEFT SO, NO ONE CAN SAY THEY DID NOT GET IT AND REMOVE THIS FROM MY CREDIT.. I HAVE FILED Identity theft with the IRS, the Federal trade Commission and my phone department ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 



The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved to Oklahoma in 2019. My wife and i rented a home and signed up for internet service at our address at XXXX XXXX XXXX  in XXXX Oklahoma. 
We received a wireless router but the router was not working properly. 
We went to the store at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to return the defected device and were given a new one in exchange that actually worked. 

Fast forward 3 years later and we returned the device as we moved. 

This company then says we still owe them money for the first device and stated that we never returned it. 

( We would never have been able to exchange the device if that was the case. ) They have since put the account on my credit report. I have tried numerous times to get this resolved but to no avail.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I traded in my XXXX XXXX XXXX I had financed through Credit Acceptance. The dealership I was working with handled the payoff of the car. I got notice on my credit reports on XX/XX/XXXX that the balance of the loan was reported as 98 % paid off and account still open when it should have been 100 % and account closed with a {$0.00} balance. Credit Acceptance left a balance of {$210.00} still reporting as open on my credit report. On XX/XX/XXXX I received the contract pay off letter from Credit acceptance that stated I made my final payment and my contract was PAID IN FULL and the lien was released. Today is XX/XX/XXXX and this account is still reporting as opened with a balance of {$210.00}. I have made 2 attempts to resolve this with Credit Acceptance but they were of no help they just told me to dispute it but did not inform me on how to do that. Another representative from Credit Acceptance told me that I need to wait until XXXX. ( Not sure why when the car was paid off in full XX/XX/XXXX ). This reporting incorrectly has negatively impacted my credit and has caused me to be denied financing on something else due to it appearing I have 2 auto loans open. I need this information removed and this reported correctly as soon as possible. I am in the process of trying to buy a home and this is really holding me back. I can not get Credit Acceptance to help me so I was forced to submit this complaint. Thank you for your time.