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

During XXXX, I was literally XXXX XXXX XXXX XXXX. Wells Fargo was advised of this XXXX times. But for some reason, they closed XXXX credit card ( leaving a XXXX XXXX open ) they closed it, charging it off and wrecking my credit. 

I provided medical information, hospital information, etc and they refused to correct this error. 

I am still working to have this removed and they just don't care. I have been a bank client since XXXX 

I would like to join the XXXX XXXX XXXX against Wells Fargo, for mistreating customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, CKS Prime Investments has violated my rights

. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C. 1681 604A Sec. 2 also states a consumer reporting agency can not furnish an account without my written instruction.

To further add, this account has been settled and : Once a settlement is reached and payment is made as agreed, the collection agency is responsible for : reporting the debt as paid in full, or reporting the debt as settled for less than original amount and considered paid in full, or deleting the collection from the consumers credit report as part of a pay to delete agreement with the borrower, which this company says they will not do. 

The collection agency is required to report the same information to all three credit bureaus. 

I am requesting this to be removed from ALL credit reporting platforms.
Product: Mortgage

I live at XXXX XXXX XXXX XXXX  XXXX NY, XXXX. For the last 6 month or so I have been trying to get a modification with my mortgage company SPS, XXXX # XXXX I attempted a XXXX XXXX and the company had reported making numerous attempts to contact me which was false and to date all they can only offer me is a repayment plan with a very high payment. I have spoken to a number of their employees and I have been given different information that conflicts with other. One of their employees told me to request a supervisor when contacting them and I have twice but I was never connected. As of today there is a sale date of XX/XX/year>. After I was told that I did not offer a high enough for the Shot pay off quote in XXXX and that I could make another offer over the phone but I would have to withdraw the current XXXX a month repayment plan. I did raise the offer amount which was not noted on the SPS portal and since then there is a new sales date. I think this is unfair and unethical. I contacted XXXX and was told I have no other options at this time.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  and Transunion are reporting me as 30 to 60 days past due on an account that has {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected.
Product: Credit card

On XXXX 2015, I and my wife went shopping for a dryer and washer at Sears. The sale person told us that Sears was having a promotion no interest and no payment for 12 months. We decided to buy a dryer and washer and he explained to me the terms verbally and told me that I do not have to worry for 12 months and the credit card department will send me the documents and the statement when the payment is due. 

Sears Credit department never sent any document to me and after 6 or 7 months I began wonder but not worried as the sale person told me that I did not have to worry about the payments for 12 months. However, on XXXX XXXX and XXXX, 2015, I called them anyway just to check why they did not send anything to me. When I called they said they sent the documents to my address and I asked which address, they refused to tell me and they said I have been late. I got upset and disputed with them but they said it is too late. The only thing I could do is to go to talk with the sale person who explained the term to me as them to clear it. I went to Sears. They said the sale person no longer worked there but they advised me to pay it off so that my credit report was not affected. I got no choice but paid everything off on that day. They said they cleared it and I should not be worried about my credit report and they fixed it in they system. 

Now I am planning to buy a house and checked my credit report has the information of late payment with Sears and they said I was late for 150 days, which is not even correct. I am requesting for help in clearing this from my credit report. I have never been late with any other companies as you can see on my credit report and this was because the confusions that Sears had created. Please let me know if have any questions and my cell phone number is XXXX XXXX XXXX XXXX if you need to contact me. Thanks for you help.
Product: Credit card

My husband and I recently purchased a new home. During this process, our title company paid off some of our credit cards. I owed {$1200.00} on my Best Buy credit card, a check was mailed for that amount and cashed by Citi ( who manages Best Buy cards ) on XX/XX/XXXX. The amount was never applied to my balance. I contacted the title company, who faxed in evidence of my payment to the number Best Buy provided on XX/XX/XXXX. On XX/XX/XXXX I was told an investigation was ongoing with no updates via the message portal. I called on XX/XX/XXXX and was told that they were looking into it but could not provide an update beyond that it may take 45 days to resolve. Then on XX/XX/XXXX Best Buy applied a credit to my account of {$7000.00} ( I have no idea where this number came from ). I notified them that this was the wrong amount and asked that the amount be corrected. Today, XX/XX/XXXX Ive been notified that my investigation was closed and credit reversed because they couldnt find evidence of a {$7000.00} missed payment. Now my account says Im past due and owe at least 2 payments. The letter also threatened to report the missed payments to the credit bureaus. I am still missing {$1200.00}, with an account balance of nearly the same amount. Its been nearly four months since my check was cashed by Citi Bank and this is unacceptable.
Product: Mortgage

I recently refinanced my mortgage with Huntington Bank. My first payment was due on XX/XX/XXXX. I paid that first payment in full on XX/XX/XXXX. On XX/XX/XXXX, the payment was reversed as " misapplied '' but not returned to my account. I was charged a late fee and now my account shows over 30 days past due, which is not accurate. No one has attempted to contact me about this error and I only found out looking at my account online.
Product: Debt collection

Northern Resolution Services has called many friends, and family members of mine - they state my name and that a " case '' was received in their office and i need to contact them immediately with at reference number XXXX - the gentleman calling is XXXX XXXX. He never discloses the mini-miranda and left personal information. 

I called the company on XX/XX/XXXX - spoke with a representative and asked for proof of this " debt '' which I never received. 

When I told him about the phone calls and I wanted them to stop and they were violating FCRA guidelines he said he said " XXXX Bless '' and hung up on me.
Product: Payday loan, title loan, personal loan, or advance loan

I was in a accident in my car XXXXXXXX XXXX my vehicle was then totaled out XX/XX/ by the insurance company. In which the money gained was used to pay of the loan fees and interest. since XXXX a mariner finance has not updated their reporting efforts as paint in full and good status. which has been a negative on my credit profile since XXXXXXXX XXXX XXXX. I SUBMITED my APPLICATION in XXXX XXXX the loan obligation that I held was not very long at all but yet they continue to report negatively on my consumer credit profile. I've asked all three credit reporting agencies to do and INVESTIGATION but they have yet to show me results or any information they attained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquires on my personal XXXX and XXXX credit report dated : XX/XX/2022 and XXXX XXXX XXXX Both from SYNCB/SAMS CLUB. 

I have never applied for a personal card with SYNCB/SAMS CLUB. 
I have made several attempts to rectify this with SYNCHRONY BANK. 

They have confirmed they don't have the application request from these dates but insisted i have to resolve my issue using this method.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns reguarding Zelle 's handling disputes, particulary in light of the recent CFPB lawsuit highlighting significant issues with the platforn.Despite using Zelle numerous times and reporting discrepancies, my finacial institution and Zelle faile to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and tranparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Dispute of billing from Commenity Bank -- -- -- -- -- -- -- -- -- -- -- -- -- -- I wish to report credit fraud and libel by Comenity Bank. I will attach documentary proof. 

I have had a credit account with Comenity Bank for a retailer called XXXX XXXX. 
I received a bill from Comenity Bank indicating a payment due on XX/XX/XXXX and an amount due of {$110.00}. I wanted to pay the account off, and so made an online payment on XX/XX/XXXX ( the due date ) of the entire {$110.00}. The confirmation number for the payment was XXXX. I have also included proof that this payment subsequently cleared my bank. In XXXX I received a bill for a late charge and interest, which I called and disputed. There can be no late charge and interest charged on a XXXX balance. They said that the charges would stand. I said that was not legal or fair. Their agent called a supervisor named XXXX, who told me nothing could be done, to just pay the bill which now showed XXXX months late charges. In XXXX I received a bill to be paid by XX/XX/XXXX with more interest and late fees charged on the interest and late fees. I did not purchase any other merchandise. I was also receiving multiple texts and phone calls threatening consequences of non-payment. In addition, Comenity reported to XXXX XXXX that I was 30-59 days late on my payment. ( This is the libel part, as such a report negatively affected my credit ). 
I have disputed the report with XXXX ( file # XXXX ). 

I have tried multiple times to talk to these people, but always am told no adjustment can be made, and they will keep adding on penalties and interest. 

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

This is my seven endeavor to tell XXXX AND TRANSUNION CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$200.00} ; XXXXXXXX XXXX XXXX Balance : {$390.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Creditor Name : GM Financial Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Nature of the Complaint : My auto loan account with GM Financial, originally amounting to {$39000.00} with a current balance of {$0.00}, is inaccurately reporting late payments for XXXX and XX/XX/year>. I have never been late on this account, and the reporting of late payments is incorrect. 
Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to report accurate information. This statute prohibits the reporting of information that is known to be inaccurate. Additionally, 15 U.S.C. 1681i ( a ) mandates that credit reporting agencies and furnishers correct any inaccuracies within 30 days of a dispute being filed.
Product: Money transfer, virtual currency, or money service

Google Pay is refusing to pay out a {$10.00} cashback deal for spending {$25.00} or more. On XX/XX/11, I bought {$30.00} of goods at XXXX with the offer activated and using my linked card. The goods were stamps and envelopes, which are not prohibited in the terms. XXXX is claiming that my previous purchase at XXXX earlier last week, which was for a {$25.00} gift card that I thought would activate the offer but was invalid for the offer, was actually when I used the offer. This is clearly not true, as the offer still shows activated on my phone and there is no description in the terms that it is invalidated when you make a gift card purchase. I have emailed them, but their support is not cooperative.
Product: Mortgage

we have tried to short sell our home but two times we could NOT find suitable housing. Now we are under contract again and the lender is not allowing the short sale nor will they do a deed in lieu of foreclosure. WE HAVE a rental now and would like to take the clause out that we will find suitable housing on the current sales contract.
Product: Debt collection

I asked for debt to be validated, date in which debt was purchased, the price it was purchased for, and a copy of the contract i have with LVNV Funding LLC with my wet handwritten signature. Account was already removed from XXXX  but still remains on XXXX and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX, {$6200.00} - XX/XX/XXXX XX/XX/XXXX {$8700.00} - XX/XX/XXXX XX/XX/XXXX {$10000.00} - deferment entered XX/XX/XXXX Carried over to XXXX XXXX  XX/XX/XXXX something is now off or inaccurate XX/XX/XXXX {$20000.00} I notice is different No record of in between
Product: Checking or savings account

Fraudulent debit/credit card use for several online purchases. 
Dates beginning : XXXX XXXX - XXXX Navy Federal Credit Union customer service reversed charges
Product: Credit reporting, credit repair services, or other personal consumer reports

So, on XX/XX/2022, I mailed letters to XXXX, XXXX, and TransUnion. Here are my tracking numbers for removing personal data from my credit report : XXXX, XXXX, and XXXX. I have a right to privacy under the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. Additionally, no financial institution is permitted by [ 15 U.S.C. 6802 ] to disclose my information to unaffiliated third parties. 

My rights as a customer are being violated in plain sight.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX updated my bankruptcy - discharge of debtors from pending to approved. As you will see in 1 of 3 of the included attachments, my subsidized and unsubsidized Federal Student Loans ( FedLoan  ) aka Department of Education is included in my XXXX XXXX  XXXX bankruptcy on the certificate page. Federal Loan transferred eligible loans to XXXX around the summer time in XXXX. XXXX, TransUnion, and XXXX all have been habitual violators of closing, reopening, and changing the status of my student loans even though all agencies have proof of my XXXX bankruptcy discharge documentation. XXXX, currently, is the only agency that has my student loan status as included in bankruptcy and closed as a status. These status changes has cause substantial and adverse financial hardships with the approval of credit applications as well as the ability to maintain a good consumer credit score rating.
Product: Debt collection

XXXX XXXX XXXX filed a Garnishment in XXXX  XXXX in which I do not live in XXXX XXXX at the time filed. My past employee was XXXX  XXXX in which I work for when I lived in XXXX XXXX. Also I lived in PA for over 3 years in which a Garnishment is not vaild unless owed for Residential lease, Restitution for a crime, Owed Student Loans or Income Taxes, or State Taxes. Title III of the consumer Credit Protection act. Ronald Reynolds File in XXXX XXXX as if I work in XXXX XXXX and a resident at the time of filing in which bi was not giving a notice to after all the court papers was filed.
Product: Money transfer, virtual currency, or money service

I deposited my virtual currency ( XXXX ) at interest in the company blockchain.com in the amount of {$13000.00}, it was at the end of XX/XX/2023. A few days later they blocked my money under the pretext that they tried to hack my account. They asked a couple of questions and went silent. After that, I did not receive any explanation from them and an attempt to return my money to me. Half a year has passed and I have not received any letter from them on my issue. What should I do? I am already desperate! For me, this is a significant amount!
Product: Credit reporting

I just realized that XXXX XXXX XXXX XXXX is showing up on my credit report as an outstanding debt in the amount of {$1500.00}. I have no way of getting in contact with this company but this account was settled in full approximately 6 years ago. I would like to have this removed from my credit report as soon as possible and have my scores updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX 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: Student loan

the company Equitable Acceptance has scammed me into paying for their " service '' in lowering my federal student loans. They are drafting {$42.00} from my checking account monthly. I have been paying since XXXX of XXXX and I still owe the same amount in my student loans. They claim to reduce my payments and pay for 120 months and the rest is forgiven. I pay {$180.00} a month and my loans are still the same amount. This company is fraudulent and they have put an inquiry on my credit report.
Product: Checking or savings account

I opened an acct with Chase online- they then locked my acct, later closing it, stating that it was marked for fraud and I needed to bring XXXX forms of ID into branch to prove my identity. I brought the XXXX forms of ID into a branch. I was told that my check should be sent in the mail. I call the customer service line the same day later in the day to ask when it would be sent. 

They then tell me I need to bring XXXX forms of ID into a branch- to which I reply that I was at a branch earlier in the day and presented my forms of ID. They tell me they have no record of me having been in the branch that day. 

Last Monday ( XXXX ) I went into a branch and spoke with a banker who spoke with a customer service rep who advised I needed to present XXXX forms of ID to release the funds. I presented the forms of ID. They told me that was sufficient and that my check would come in the mail within XXXX business days. I asked if they could release my money in the bank that day as I was struggling for funds. They told me no, so I waited. 

This Monday ( XX/XX/XXXX ) rolls around and I notice my check still hasnt come. I call customer service to see whats going on and they advise me that my request was denied because I didnt provide proof of address ( they didnt ask me for it. ) I ask if I can email it as it is difficult for me to go into a branch as I do not drive and I also usually work during the hours the branches are open. They say I can not. 

The same day later in the day I go into a branch. The banker calls customer service and they advise I need to provide proof of address. I provide my power and water bill. They upload it and say I need to reach out to customer service to confirm receipt/decision within XXXX. Nothing is mentioned to me about any issues with the bill I provided. 

The next day ( today, XX/XX/XXXX ) I call customer service and they tell me that my request was denied because the bill was past due- this was not ever something that was mentioned was an issue when I was in the branch or the many times Ive spoken to customer service. I need my funds released.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my report in the amount of {$5500.00} from XXXX XXXX XXXX XXXX Experian did not allow me to dispute the information found on said account, which includes an incorrect date opened, as well as they are reporting a balance past due on a collection account which both are against the fcra, all information reported must be accurate! Please help me in resolving this issue