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

Disputing {$50.00} charges on XXXX dates from XXXX XXXX XXXX to my credit card account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Some charges happened when my credit card was locked ). The amount is in error because, in XXXX of XXXX, I updated my payment method and removed my card from the account. Per the XXXX XXXX XXXX policy, customers can do so if they need to change or update the payment method. Nowhere in the agreement states that the company will keep deleted information and use it later. Furthermore, the company tried to charge my credit card and the other accounts I had on the website. They only tried once to set the monthly fee of {$140.00} once but at no time did I authorize XXXX dollar payments to be withdrawn from my account at any time of their choosing, as they indicated by their false and misleading authorization information. Would you please reach out to XXXX XXXX XXXX and ask them for documentation on where I authorize the {$50.00} charge? Also, I reached out to XXXX XXXX XXXX about the unauthorized charges ( See emails ). I was informed that changing and deleting my past billing information doesnt stop them from charging that account that isn't authorized to be charged. I asked them to stop debiting that account, and they refused. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I request that Capital One take no further deduction from the credit card account until the notice of termination period has expired. Enclosed are copies of emails I sent regarding this issue supporting my position and experience. Furthermore, looking at my credit card statements, I didnt use that account to make a payment with XXXX XXXX XXXX since I updated my information in XXXX. Please correct the error on my account as soon as possible.
Product: Credit card or prepaid card

I had an unauthorized purchase for {$1700.00} on my AMEX credit card to XXXX which is a online furniture store on XX/XX/XXXX. This transaction was clearly fraud and as of today AMEX has not given me a credit back on my account. I received a transaction alert on XX/XX/XXXX around XXXX. When I saw the alert I immediately contacted AMEX and reported the fraudulent transaction. Advised them that I still had possession of my card but someone used it for an online purchase. They canceled my card and issued a new one and said the amount would be reversed. About a week later I had a credit on my account for the {$1700.00}. After two weeks of the credit sitting on my account with no offsetting debit I contacted AMEX to inquire about the offsetting debit to clear up my account. Their employee noted the account that I authorized the transaction and they charged my account twice. One to clear the credited amount and another one that put the balance back on my account. I contacted AMEX again on XX/XX/XXXX, again XX/XX/XXXX, again XX/XX/XXXX and again XX/XX/XXXX to get the transaction off of my account. They keep giving me the run around that they file a fraud case but every time I follow up they tell me the fraud case was closed but no credit processed to my account. In the meantime they are reporting this balance to the credit bureau and it dropped my score 10 points because it shows a balance against the total credit limit. We are applying for a mortgage loan and we have excellent credit but because of the score it is having an impact. AMEX is violating the Fair Debt Billing Act. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it says that I lived in XXXX, AZ. I've never live in Arizona. I'm trying to figure out where this information came from.
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. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states, a consumer reporting agency, can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes, with antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnished 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: Money transfer, virtual currency, or money service

On XX/XX/22 I was duped into issuing a XXXX transfer for XXXX from my Bank of America account. I notified the bank within the hour of the fraud. They investigated and turned down my claim. They stated since I made the transfer there was no error on their part. 
I notified them because there was an error. They should of had enough time to issue a swift recall of the funds that went to XXXX bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a collection letter was sent to me by Southwest Credit Systems add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Southwest credit systems has violated my rights as a consumer and I'm requesting legal action to remove this account legally
Product: Mortgage

I received a letter today, XXXX XXXX, 2016, that the servicing of my mortgage loan is being transferred, effective XXXX XXXX, 2016, from Seneca Mortgage Servicing to XXXX XXXX XXXX. This is a horrible nightmare for me!!!!! XXXX serviced my mortgage in the past and tried to take my home away from me. They had a racket going. They were putting part of my house payments into some other type of account and turning me in to the Credit Bureaus as nonpay! Fortunately, I caught them after only two months of this, but had to hire a lawyer to try to deal with them, as they were absolutely impossible to deal with! I also had to hire a company to help get this straight on my credit, which was another nightmare. I researched online and found out that XXXX had scammed many people out of their homes with similar tactics, then sold them out from under them. Even people who were retired and were caught totally unaware!! Due to the horrible experience I had with XXXX, I DO NOT WANT MY LOAN SERVICED BY THEM!!! What can I do to stop this???????? Need a prompt response!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have inquired on my credit that could have been avoid due to XXXX computer coding error my credit information has been compromised. I made several attempts by mailing letters to these companies and all three credit bureaus informing them that they were reporting inaccurate information on my credit report and to please remove the inquires. I have attached to send letters to XXXX, Transunion, and XXXX to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 


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

On XX/XX/XXXX, I filed a complaint about the inaccuracies on my credit report. On XX/XX/XXXX, the complaint was closed saying that they didn't have enough information. In between these dates, I received a letter in mail saying that they investigated the issue which does not align with their reasoning for closing the complaint. If they are able to send a letter in the mail then they have the information that they need to fix the issue. Equifax said they completed an investigation, but I do not feel like a thorough investigation was conducted. In Regard to the XXXX XXXX and XXXX XXXX accounts on my account, Equifax keeps changing the reported information. The close dates for the accounts keeps changing which should not be a thing and they also do not match with the other credit bureaus alleged close dates. There should be only one correct date. The high balance also does not match the other credit bureaus balances. There are a lot of others items reported on the accounts that do not match across the three bureaus.

I have the right to accurate reporting and I am not receiving it.
Product: Checking or savings account

My Wells Fargo account was closed in XXXX XXXX XXXX  ( I did not have a debt when the account was closed ). Prior to my account closing I purchased an item using XXXX which cost {$1100.00} - this item was refunded XX/XX/2023 ... after my Wells Fargo account was closed. At first the refund bounced back to XXXX, but the 2nd time, it went through. XXXX have showed me proof that the funds when through and have given me the resources that would help Wells Fargo locate theses funds ( such as the ACH Reference Number ). Every time I talk to Wells Fargo on the phone they put me on hold or hang up on me. When I go in person, they tell me that they " don't usually accept money to a closed account '' but refuse to look at my ACH Reference Number and refuse to show me proof that the funds were rejected. I have been fighting for months and if I am being honest, it is getting tiring.
Product: Credit card or prepaid card

On XX/XX/2022 I made a purchase on a merchants website that included an item ( an XXXX ) that was {$1200.00} + taxes. After receiving the item I discovered that the items specifications/qualities were misrepresented on the website. Within a week I abandoned usage of the product and then attempted to return it via a return method advertised to me by the merchant. My return was repeatedly refused or otherwise rejected until such time as the return period had passed whereby I was prohibited from making further attempts to return the product. I took screen shots of my computer to prove this. 
I later disputed the charge on my Citibank Credit Card, pointing out that the merchant had not only misrepresented the product on their website, but that I also was unable to return the product pursuant to the return policy and advertised return method of the merchant. 
Citibank didnt appear to speak for themselves and appeared to allow the merchant to speak for them ; the merchant declared that the product was not misrepresented and that there was no record of any attempts on my part to return the item and that the merchant was therefor refusing to accept a chargeback, as if the merchant controlled Citibanks determination regarding my dispute and not the other way around. 
I then discovered that Citibank had arbitrarily ( and possibly capriciously, but definitely unnecessarily ) disabled the ability for me to respond to the matter via their website ; requiring me to utilize a printer to print out my evidence to mail to them. I then sent them a letter showing the screenshots of my computer showing the merchants misrepresentation of the product as well as my numerous attempts at returning the product. I further pointed out that the only way the merchant didnt have record of my attempts was if they were lying about it or if their records were terrible. 
I was then given a response, again basically by the merchant rather than Citibank, that I was not entitled to a refund. The merchant admitted that there was a problem with their representations of the product but claimed it didnt matter. They also confirmed that I had made multiple attempts to return the product and that they hadnt allowed me to do so. Their response to that was that it was my fault for not going out of my way and trying even harder ( besides my 6+ attempts ) to return the product. 
Ultimately it was declared that the merchant deserved to keep my money and I had to keep the item that I didnt want and was not even using, even though it was confirmed that they misrepresented the product and confirmed that they didnt allow me to return it within the return period pursuant to their policies. Due to the misrepresentation of the product I abandoned usage of it after about 3-5 days of acquiring it. To this day I have not used the product ; its just sitting in the box. 
I believe Citibank has acted in bad faith in this matter, not only by not protecting me from misconduct by a merchant, upholding my rights, and also by allowing the merchant to make decisions regarding the dispute instead of handling it themselves.
Product: Debt collection

On X/X/2017, A new collection account appeared on my XXXX credit report. Reported by agency Diversified Consultants Inc. ( DCI ) in the amount of {$88.00}. Original Creditor was XXXX. I did have  an account with XXXX, but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed XXXX anything. On XXXX/XXXX/XXXX, I contacted DCI by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that XXXX had given DCI the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by XXXX or DCI to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.
Product: Student loan

On XX/XX/2005 we had a disbursement for {$21000.00} and there came a time when we were not able to pay, and asked for an income driven payment plan, however, I did not realize that this was a forbearance, nor how it worked. I had asked several times about adjusting the income driven payment when I had finical hardships and each time that I thought I was doing an income driven, they put me in a forbearance program, which I did not realize was putting me deeper in the hole. I have asked if they would take a settlement on the account, however, they refused. As a result the amount is now up to {$32000.00}, which appears to be predatory lending. I am not trying to not pay what I owe, however, I will never pay this off at this rate. I am a senior citizen living on a limited income and will never get this paid before I die.
Product: Credit card or prepaid card

I was a victim of identity theft through Bank of America. Someone opened a credit card with BofA in my name and then opened a linked Checking and Savings account. They used BofA credit card to transfer money to checking account and then to XXXX XXXX XXXX. I did not open any of these accounts. I have tried to resolve the issue with BofA for almost XXXX months now. Employees keep giving me conflicting information. I am told to do one thing and then transferred to another person that tells me something different. It is like no one really knows what they are doing. BofA also declined to approve my fraud claim because they said the money was transferred to an account in my name. This is how the fraud happened. But, when I call to speak to one cohesive department they tell me I can only speak to credit card department that is separate from Checking department. Both departments give me the run around. I have spent hours on hold and being transferred from department to department. I believe I am a victim of a new type of fraud, but BofA won't tell me why or how they let someone open XXXX linked accounts. Was it digitally or did they do it in person? I want to see the credit applications that were submitted but they are also giving me the runaround. They have been very difficult to deal with and now they are expecting me to pay over XXXX as a result of being a victim. The person submitted an incorrect birthday from what one BofA employee told me and therefore BofA is to blame for allowing someone access to so much money in my name. I don't know who else I can speak to to help me resolve this issue. I believe BofA is purposefully trying to make it so difficult so that I give up and just pay the money that was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX  XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}
Product: Debt collection

I never heard of this company or this debt. I monitor my credit with XXXX and in XXXX XXXX XXXX or so I received notification that this account was posted to my XXXX and XXXX report. The supposed amount owed is {$2500.00} with a company and a d/b/a i have never heard of or done any business with. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX expired at end of XXXX. Applied for mortgage forbearance in XX/XX/XXXX. Granted forbearance through XXXX XXXX XXXXXXXX. Mortgage company reported me as delinquent on XX/XX/XXXX resulting in > XXXX point credit score reduction. Appealed to the mortgage company on XX/XX/XXXX. Mortgage company rejected appeal on XX/XX/XXXX stating that under the Fair credit reporting act " all institutions are required to report complete and accurate information... based on actual events ''.
Product: Debt collection

The company is harrassing and calling family members and leaving messages about collections.
Product: Money transfer, virtual currency, or money service

I am writing I normally express my concerns regarding Zelle handling and Disputes particularly in light of the recent CFPB Lawsuit highlighting significant Issues with the platform. Despite using Zelle numerous of times And reporting Discrepancies my Financial institution and Zelle failed to investigate my claims adequately. They informed me That recovering lost funds was impossible and that was tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but had also allowed repeat offenders to exploit the system leaving users vulnerable to scams this is lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

NMAC reported a charge off reporting to the three credit bureaus - I have a letter from NMAC dated XX/XX/2016, they accepted the settlement amount of {$3600.00} and would report the loan as paid full and remove the charge off. They reported the charge off almost two years later. I disputed the charge off with the credit bureaus but it came back as accurate. I did not communicate with any collection agency only with NMAC. 

My understanding is that if they sent the letter and received payment for the balance of the loan why do they get to report a charge off. I did not receive a XXXX from them so how do they legally get to write off a loan that has technically been paid.
Product: Checking or savings account

BACK IN XXXX/2017 I SENT COMPLAINTS TO CHEX SYSTEMS CONCERNING ACCOUNTS THAT WERE INCLUDED IN MY BANKRUPTCY AND COMPLAINTS TO ALL THE BANKING INSTITUTIONS CONCERNING MATTERS THAT WERE REFLECTING AS AN OPEN COLLECTIONS UNDER MY NAME WITH CHEX SYSTEMS. I RECEIVED A RESPONSE FROM ALL THE FINANCIAL INSTITUTIONS STATING THAT THESE ACCOUNTS WOULD BE REMOVED FROM CHEX SYSYTEMS. 

TO DATE CHEX SYSTEMS HAS NOT REMOVED THESE ITEMS AND THESE COMPLAINTS WENT THROUGH THE CFPB BECAUSE CHEX SYSTEMS REFUSED DELETE THESE COLLECTION ITEMS FROM THEIR FILES. PLEASE FIND THE FOLLOWING COMPLAINTS NUMBERS : XXXX CHEX SYSTEMS XXXX CHEX SYSTEMS XXXX XXXX XXXX XXXX CHEX SYSTEMS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHEX SYSTEMS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I RECEIVED RESPONSE FROM A BANK INSTITUTION THAT MY SCORE IS VERY LOW WITH CHEX SYSTEMS DUE TO THE FOLLOWING : Chex Systems Consumer Score : XXXX Scores range from a low of XXXX to a high of XXXX. 

Key factors that adversely affected your credit score :  XXXX PREVIOUS DEBIT INQUIRY HISTORY XXXX CREDIT ACTIVITY : EXCESSIVE RECENT INSTALLMENT TRADES XXXX REPORTED DEBIT CLOSURE XXXX DELINQUENT OR DEROG CREDIT BEHAVIOR XXXX CREDIT AND CHEX INQS MAY HAVE ADVERSELY IMPACTED THE SCORE