23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX I ordered a IPAD online with my BestBuy.com using my BestBuy credit card. The day after I ordered it I was contacted by BestBuy and advised the IPAD was on backorder and may not be available before XXXX. Because it was for a XXXX gift I told them to cancel the order. When I received my BestBuy statement in XX/XX/XXXX there was a charge for {$29.00} for IPAD software, I immediately called BestBuy customer service and told them the IPAD was cancelled and questioned why the charge was on my account. I was told it would be corrected. I received a statement in XX/XX/XXXX and the charge was still on there, again I called customer service and this time questioned why it was n't removed, and asked why it was on there in the first place being that I ordered an IPAD initially which was never on my statement yet I was being charged for some software that went with the IPAD. I was informed once again the problem would be corrected. Well, I received a statement in XX/XX/XXXX that still had the charge on it only this time it stated my account was past due ( This was the ONLY charge on my account and I did not feel I should pay for something I did not charge or receive ). I again called customer service and demanded the issue be resolved and complained that I had spent literally hours on the phone with customer service trying to resolve a charge that I never should of had on my account, again I was told it would be resolved. When I received my XX/XX/XXXX statement the balance was once again at XXXX and I assumed the charge was indeed corrected .... Only to find out years later that was n't the case. 
I recently had my credit score ran and when reviewing the results I had XXXX late payment out of XXXX payments made. When I saw who the late payment was from I was very upset ... BestBuy, for not making a payment XX/XX/XXXX for a charge that NEVER should of been on my account. I immediately called BestBuy credit services to have this removed because I did n't feel my credit report accurately reflected my BestBuy account, you can see the history was ALWAYS paid on time and that there was no payment made by me in XX/XX/XXXX by me ( the account was credited ). Here 's what I received from BestBuy ... Unfortunately, we are unable to change the information reported to the credit reporting agencies, as it accurately reflects your account history with us. Are you kidding me? 
I called them immediately only to have them say, BestBuy did n't credit your account, we just wrote it off because you 've been a valued credit card holder with BestBuy for XXXX years, and I doing so we ca n't report the account was current. I 'm at a loss ... My initially reaction was to cancel my BestBuy credit card, only to think cancelling a card may also affect my credit score. I know it 's only 1 late payment from XXXX years ago, but it 's the principle of it, BestBuy used words in their letter like " integrity '' and " accurately ''. I think they need to be held accountable yet I exhausted my efforts in doing so with them. I have no receipt because I never took order of anything.
Product: Debt collection

I have lived outside of XXXX New Jersey for the last 5 years. I happened to receive a forwarded communication via mail at the end of XXXX. I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX as soon as I received the communication. 

I spoke to one of their associates and they asked me to email proof of address to XXXX which I did right away. I followed up with a call in XX/XX/2022. The representative was not very informative or friendly but assured me that the file was being closed. I asked for a supervisor and he placed me on a one hour hold and nobody came to the line. 

Upon checking the court records, the case has been defaulted and nobody is answering at this firm. I have reached out to them multiple times. 

They have file a suit out of jurisdiction and confirmed to me on the initial and secondary contact that they were fixing this issue and closing the account back to the issue for out of state to the creditor. Again, this has not happened and it is impacting me. 

Again, I do not live in the state of NJ and I have submitted proof.
Product: Money transfer, virtual currency, or money service

Zelle my grandma sent me money through Zelle through my chase account and accidentally sent it to wrong account it was {$500.00} I never received money and her bank wouldnt fix it or help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated immediately XXXX XXXX XXXX XXXX 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: Credit card

I recently had a horrible experience with American Express. I went to the XXXX Rewards site to book a hotel. Off to the right was an offer to recieve XXXX off the stay if I apply for an American Express card. So I apply, it goes thru and I try to book my room. I find out I do not have the number for the card or any information to reserve the room. I call customer service, they ca n't help me. I go online to get the information from the account site and they can not help me. So where am I supposed to get this XXXX for applying for the card. I spent an hour on the phone with AMEX and XXXX Rewards. In the end I just cancelled the card. No one needs this false advertisement or hassle. I 'm to the point I will highly recommend our company stop using the corporate cards we have. Why advertise something you are not going to deliver on?
Product: Credit reporting or other personal consumer reports

am writing to formally dispute and request a re-investigation of inaccurate information Reported on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to section 611 ( a ) ( I ) ( A ) of the Fair Credit Reporting Act ( FCRA ) and the overarching guidelines of the FCRA Public Law 91-506, Title VI, Sections 611 ( a ) through ( d ), I am invoking my right to a detailed and meaningful reinvestigation of disputed items listed.

In line with these provisions, I request a comprehensive description of the procedure used to verify the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days Following the completion of your reinvestigation. This includes the name, address, and telephone number of everyone contacted regarding this alleged account, along with copies of any documents bearing my signature that purportedly established a legal binding contractual obligation to pay the amount claimed. Please be aware that the automated responses or XXXX XXXX verifications are unacceptable for addressing this matter. A detailed re-investigation and explicit disclosure of your verification method are required as per the statutory guidelines. This communication serves as my final goodwill attempt to rectify this matter amicably. The Disputed item is not only inaccurate but also incomplete and represents a significant error in your report. I am maintaining a detailed record of all communication regarding this issue, to be used for filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office if necessary.

Please note that failure to satisfactorily resolve this matter within 30 days of receiving this letter may prompt me to initiate a small claims action against your company, seeking {$1000.00} per violation for XXXX. Defamation. 2.Negligent Enablement of Identity Fraud. 3. Violations of Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

There are at total of 5 student loans reporting on my credit file that I have disputed with TransUnion to show the accounts as closed and paid. I have requested this in writing and I even contact them by phone. They responded that what they are reporting is accurate. My report indicates they did last updated on XXXX of this year for 3 of them and then XX/XX/2020 for the other two. How in the world can they say they investigated anything???? The other two bureaus did update to show the correct information TRANSUNION HAS NOT All of those were consolidated in XXXX!!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax, block inaccurate and unverifiable information appearing on my consumer credit report within 4 business days of receiving this complaint. Specifically, this complaint concerns severe errors, inconsistencies, and fraudulent information related to two accounts : XXXX XXXX, XXXX, and XXXX Bank. 

XXXX XXXX, XXXX Account : The account shows contradictory information, such as being listed as " Charged Off '' but continuing to report a past-due amount of {$35.00} and delinquencies ( 120 days late in XX/XX/2024 ). Once charged off, no further delinquencies can legally be reported. 
There is no clear Date of First Delinquency ( DOFD ) provided, violating FCRA 605 ( c ), which mandates DOFD reporting for accurate compliance with credit reporting standards. 
The status and balance dates are inconsistent across bureaus ( Equifax lists the charge-off date as XX/XX/2024, while XXXX lists it as XX/XX/2024 ). This violates FCRA 1681e ( b ), which requires data accuracy and consistency among reporting agencies. 

XXXX Bank Account : This account shows an " Open '' status on some reports while being marked as " Closed '' with other bureaus. The " Highest Balance '' is inconsistently listed as {$2100.00} with Equifax but differs across other bureaus. 
The account reflects delinquencies post charge-off ( CO status for multiple months in 2024 ), which violates Metro 2 reporting standards. Once an account is charged off, no further delinquencies can legally be reported. 
Missing and unverifiable information includes the Date of First Delinquency ( DOFD ) and proper creditor classification, violating FCRA 605 ( a ) and 1681c ( a ) ( 4 ).

Both accounts contain information that violates the Fair Credit Reporting Act ( FCRA ) due to : FCRA 1681e ( b ) : Obligation to maintain accurate and consistent information.

FCRA 605 ( a ) : Prohibition of unverifiable or outdated information.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requirement to block fraud-related accounts within 4 business days.

FCRA 609 ( a ) ( 1 ) : Right of the consumer to receive all information used in credit reporting and ensure its accuracy.

Additionally, this inaccurate reporting is causing undue harm to my creditworthiness, financial stability, and ability to obtain credit. These violations constitute negligence on the part of Equifax in maintaining compliance with the FCRA and industry-standard Metro 2 reporting guidelines.
Product: Checking or savings account

My daughter and I are legally XXXX and was in a bad car accident. In an emergency I deposited checks which accidentally were the wrong checks from a closed account. I did not take any money from the bank when they cleared. The bank just took the money right back and charged me {$50.00} in fees. However they closed the account and when I called customer service they told me that my account was closed for having a negative balance of {$50.00} and the bank just charged it off. I was also told that the custodial account which I use to pay for my XXXX daughters expenses and to receive deposits from social security I was told it is still open but frozen and if anyone deposits money into it I will not be able to access funds. I went into the local branch for help and was told differently that my accounts were closed due to fraud. I begged them for a reasonable accommodation to reopen my accounts because I'm expecting a large back payment from the social security administration for my XXXX year old daughters XXXX and that the social security administration will not write me out a check. I must have a custodial Account. Our life depends on these accounts.
Product: Mortgage

XX/XX/2016, XXXX of XXXX, NJ sold my mortgage to XXXX.. XX/XX/XXXX, I paid my mortgage payment to XXXX as instructed. XX/XX/XXXX, XXXX reported that our mortgage was 30 days delinquent for the XX/XX/XXXX payment which was paid to XXXX and posted on XX/XX/2016. Because of this, mine and my wifes ' FICO scores have dropped dramatically. We have never been delinquent. XXXX has not agreed to correct this despite our written complaints to them ( attached ).
Product: Credit card or prepaid card

I used my Citi DoubleCash credit card to purchase tickets from XXXX on XX/XX/XXXX in the amount {$890.00} to the XXXX XXXX XXXX XXXX in XXXX Texas ( billed as XXXX XXXX XXXX XXXX CA ). The event took place on XX/XX/XXXX. 

Upon arriving at the venue and proceeding to my seats I found that they were obstructed by on overhead seating section overhang, and by a large support beam directly in front of the seats. I was not able to view the game. 

I contacted XXXX and they said that all sales are final and they do not give refunds. 

I opened a dispute with Citibank and they proceeded to close the investigation without obtaining any further evidence from the merchant. I mailed them evidence of my purchase and the seating obstructions which were not listed in the sale. I included an email receipt, the seating map provided by XXXX, and photographs of the obstructions from the seats. 

After submitting this evidence, Citibank responded that We are unable to proceed with this dispute because you accepted and used the service after learning that the accommodations were not what you originally agreed upon. While we can understand your desire to obtain a credit to your account, we can not mandate that the merchant issue a credit. Our investigation remains closed. 

I do not accept that the service/goos were delivered as agreed when I purchased then. It is not possible to know that my seats were obstructed and therefor not what I originally agreed upon until after I had entered the venue to take my seats. I do not accept that there is no recourse that Citibank can take on my behalf. 

Please help me resolve this issue by insisting that Citibank reopen the dispute and request a chargeback to XXXX for the goods/services that were not as agreed upon. 

Thank You!
Product: Debt collection

XXXX uploaded but not accessible until XXXX XXXX uploaded letter in portal because the cure date is the same date as posted but document not made available until XXXX ; regardless, not enough notice given
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I have submit online dispute on equifax.com to mention that they put other person 's credit history to mine. That guy owe money and had late payment which affect my credit score. His first name is similar to mine. 

I asked them to resolve this and have no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax disputing an account with XXXX XXXX XXXX  that was reporting an inaccurate date of first delinquency and payment history on my credit report. Equifax was showing the account was 30 days late in XXXX of XXXX, but that the date of first delinquency was XXXX of XXXX, which moved it forward by one full month. Therefore, Equifax 's own report showed conflicting information. In addition, my XXXX  report showed the account had become 30 days late in XXXX of XXXX. I disputed the entire payment history of the account on my Equifax report due to these inaccuracies. On XX/XX/XXXX, Equifax responded to my dispute. Equifax verified that XXXX of XXXX was the correct date of first delinquency. However, Equifax completely messed up the entire payment history for the account. Equifax removed all payments from XXXX entirely. Equifax added two late payments that never occurred : they said I was 150 days late in XX/XX/XXXX and I was 180 days late in XX/XX/XXXX. These late payments are not only incomplete, but also moved forward nearly a full year after these late payments supposedly took place. This makes it look like I was late in XXXX, and I did not make any late payments in XXXX. The account was charged off during the entire year of XXXX. Overall, Equifax added false late payments to this account, removed my on-time payments, and did not properly investigate the account. The account is not compliant with the FCRA now or before my dispute.
Product: Mortgage

XXXX XXXX, XXXX Approval letter given XXXX XXXX, XXXX - earnest money {$1000.00} was given to XXXX XXXX agent XXXX XXXX, XXXX - Nation 's Lending withdrew an appraisal fee of {$440.00} from my account. XXXX XXXX, XXXX - Nations Lending withdrew an additional {$59.00} from my account for an appraisal cost. XXXX XXXX, XXXX Denial of credit letter received from Nation 's Lending. XXXX XXXX, XXXX - Anticipated closing date. Talked with lender XXXX XXXX about situation. He stated all funds should be returned to me. XXXX XXXX, XXXX - talked with XXXX XXXX 's manager who stated appraisal fee would be returned but earnest money should come from agent. No date of when this will happen. No communication since this date and no funds returned.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, Dept of ED/XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX, Dept of ED/XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding the above-referenced account. XXXX XXXX XXXX  Account number XXXX Please note that I am not disputing this account. However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account.

I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card

I just received my credit card today and activated it. When I tried to add it to XXXX XXXX, it required me to verify it over the phone. When I tried, I answered my security question and provided my card details and was connected to a representative. They required an ADDITIONAL phone number, despite me calling from the number listed on my account. I couldn't initially provide XXXX but then provided them a work phone number, but that " didn't meet their standards '' so they couldn't use it. They said there was no additional way to verify my account if I couldn't provide another phone number, and they triggered a fraud alert on my account without even telling me, and now I can not even use my card until I received a letter via snail mail in XXXX days.
Product: Credit reporting or other personal consumer reports

This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. A dispute was sent in XX/XX/2023 and they to do a proper investigation or acknowledge my dispute. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Student loan

Sallie mae is harassing my workplace and now even my family members over MY loan with them. They won't stop calling others even though I have already made a payment and working on making others.
Product: Debt collection

There are four (4) separate credit reportings that were opened on XXXX XXXX, 2014 (3 yrs, 9 mos) by XXXX XXXX XXXX XXXX. This is a gross misrepresentation of services received and these debt are not mine. I never received an services at this facility or or by their corporation. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity.
Product: Checking or savings account

I have called multiple times about these checks that are coming out of my account that are not authorized. I did not write them and I had also asked you to block any transactions from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.