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

Comenity Bank MasterCard This complaint is about an unresolved billing error with Comenity Bank. What happened was I cancelled an order for a king size bed from Wayfair. It cost {$1600.00}. Wayfair promised a refund when the bed was back in the warehouse. I never received it. It was tracked to a destination and then sent back to Wayfair warehouse between XX/XX/2020, and XX/XX/2020. It was list in transit, said Wayfair. My balance on Wayfair for the bed lost in transit stayed in my account while in the meantime Wayfair converts their accounts to Comenity Bank where my refund showed still as a balance owed on the conversion date of XX/XX/2020. I tried to resolve this matter with both companies to no avail. Many messages, phone calls, holding for hours, getting hung up on and disconnected, I experienced with frustration, anger, XXXX, XXXX, anguish, as I am told by Wayfair to take it up with Comenity and Comenity, not our problem. Talk to Wayfair. 
I had to make credit card payments to Comenity Mastercard on the bed I never received/supposed to be a refund. I incurred late charges before I even realized that Comenity Bank had issued me an unauthorized credit card from an unauthorized credit app. By the time I figured out what was going on, I had paid Comenity Bank MasterCard two payments to keep my account from becoming delinquent ( {$350.00} and {$200.00} ). I incurred several late fees ( {$40.00}, {$28.00}, {$40.00} ).

Neither company customer service representatives, supervisors, or managers ever took any action in my part except for one Wayfair customer service agent, who assisted me in contacting Comenity and opened a billing dispute for me at end of XXXX. To date I still have not received my refund owed XXXX fees paid or payments credited as this dispute rocks along for now 8 months. I contacted Comenity recently to inquire the status. I was told I would be receiving a refund for all my due money refund credited minus a miscellaneous debit for {$160.00} ( Im too tired to even try to figure that out. ) I was assured two weeks ago that I would be receiving a check for {$2200.00} to my home address. I have not to date received any check. I want my money back ASAP from these crooked financiers with faulty practices and money account procedures and policies.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I bank with TD BANK. I have been banking with the financial Institution for 4+years. They are a very selfish, inconsiderate, and their Rules and Regulations are nothing less than unfair, unjust, and there has to be a law to overdraft fees on a XXXX. It outrages me that a bank institution has the right to do this. I have been treated unfairly and very bias as per conversations with Customer Service. I signed up for cash advance for short term knowing i had a deposit for Monday XX/XX/2018 I was not overdrawn from my online banking account than. Tuesday afternoon I was informed I overdraft my account on XX/XX/XXXX, meanwhile I was showing a positive balance and nothing pending. What do they see that I should see and don't. There Bank thrives with no pitty nor compassion when it comes to overdraft fees. TD Bank is charging XXXX for XXXX overdrawn. that started the overdraft to roll. I would like my account investigated for illegal overdraft fees. I am on XXXX and I will not be able to pay my rent due to XXXX plus dollars and fees in Overdraft fees. last month too. very upset. and disgusted. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a VPN, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, TD Bank reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their geoblocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX CARD XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2020 at XXXX UTC an unauthorized transaction occurred using a Cash App account that I have. I reached out to customer service and indicated that this was unauthorized, and they simply told me that it isn't their problem, that I have to take it up with the recipient of my money. I tried calling this phone number in vain, such that it does not receive calls, and my bank sent me the response to the chargeback. It has a terse statement using few modifiers, and abbreviations describing me as CH or cardholder. I did not use my device at that time, and can confirm that I was asleep at that hour, XXXX approximately MST. I am now getting my provisional credit taken back by the bank in spite of providing a written statement indicating that I did not authorize the payment. 
Writing a terse statement that says at a certain IP address, and phone number a transaction came out. of, authorization does not make. To add insult to injury, they closed my account as a result of the chargeback and cited that this was against the terms and conditions I agreed to. I signed no thing stating such, and neither did I sign a sales slip like you put on your dispute response. Liar.
Product: Credit reporting or other personal consumer reports

This is the account that I have marked as inaccurate : XX/XX/XXXXr {$13000.00} XXXX at XXXX XXXX {$13000.00}
Product: Debt collection

I sent these accounts for dispute in XXXX of XXXX. This item was deleted from my credit report within 30 days and put back on my credit report 6 months later with no new information or investigation reported. This is illegal and i would like this false debt removed from All XXXX credit bureaus. 

Account Name : CAINE & WEINER Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX. XXXXXXXX XXXX 
XXXX XXXX, CA XXXX Number : XXXX Reason : Per section 609 of the Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report in 30 days. I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Mortgage

I am a veteran, and college graduate. I feel that i have been mislead and deceived by Regions Bank in an attempt to take my home in foreclosure. For the past months I have been waiting for Regions to modify a loan or simple give me a yes or no answer on my multiple applications. I inherited the house from my father and the loan was in his name. On XXXX/XXXX/17 I faxed 24 requested to documents that were requested by Regions. I was told the process could take up to 45 days for the loan modification application. I could have but did not pay the back mortgage amount because I was waiting for a decision. I called In XXXX.I was asked again to submit the same packet of documents and a transfer of real estate document.I waited and again no response or decision. I contacted an attorney and called only to be told that they would only speak with my attorney. I was told that loan modification would allow me rewrite the loan in my name and not have to to pay the back mortgage. No response or explanation. This delay has only put me further behind and I now had to pay property tax on the house and other properties to avoid a tax sale. I owe XXXX on a house that is valued at XXXX. This a deceptive practice and I feel that the goal was extend the process for profit and foreclose..
Product: Credit card or prepaid card

Ive requested a credit increase due to my finances increasing. In the coming months to years I will be need higher revolving credit. I was denied due to credit inquires on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my issue is with Equifax. I have called and started claims numerous times for incorrect information on my credit file. It has been almost 2 years of me trying to get the issues resolved with no resolution. My report with them is not correct and they hav e done nothing to help me with  this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX an unauthorized Charge was taken out of my account for the total amount of {$210.00}. I secured my account the same day and changed my password as well. I sent an email to Coinbase Support explaining what happened and they temporarily disabled my account. They told me on XX/XX/XXXX that once a security review was completed I would be able to access my account again but it might take 10 days. I have completed the all the steps on their review but still have not heard back from them. I have over {$20000.00} worth of virtual currency in my Coinbase account but until they unlock my account I can not access my funds. I need them to turn my account back on.
Product: Debt collection

I have been trying for months to have this removed from my credit report. I have submitted credit disputes with all three credit bureaus without success. I have disputed directly with the collection company and I am ignored. Please help me resolve this. This needs to be removed from all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

Correct Full Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Please remove this and update my last name Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information Current Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX Please Update my address on file
Product: Debt collection

Report of Dispute with XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally report a dispute with XXXX regarding my account and billing issues. Below are the details of the situation : XXXX. Account Transfer : I transferred my mobile service from XXXX to XXXXe approximately XXXX years ago. Upon transferring, I paid {$3000.00} to XXXX to close my account and settle the outstanding balance on my phones. 
XXXX. Promised Reimbursement : XXXX assured me that they would reimburse the {$3000.00} through prepaid cards and account credits. However, XXXX only provided {$600.00}, far less than the promised amount. 
XXXX. Billing Issues : After transferring to XXXX, I experienced significant issues accessing my bills through the XXXX app. Each month, the bill fluctuated unpredictably, ranging from {$300.00} to {$400.00}. Despite numerous calls to XXXX  customer support, I was unable to resolve the billing discrepancies. 
XXXX. Service Cancellation : I terminated my XXXX services approximately XXXX months ago and paid off the remaining balance. However, I am now being contacted by a collections agency claiming I owe {$520.00} for devices, which is incorrect. I did not receive any devices from XXXX, and all devices from XXXX were paid off at the time of service cancellation. 

Requested Action : Immediate investigation into my account and billing history with XXXX 
Removal of the erroneous claim of {$520.00} and any associated collections activity. 
Provision of a clear and accurate final bill detailing any outstanding charges, if applicable. 

I request your assistance in resolving this matter promptly and ensuring that my account is accurately settled. 

Thank you for your attention to this matter. 

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

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting., leaving inaccurate Or unverifiable accounts unresolved. The consumer financial protection bureau CFPB has recently filed a lawsuit against Experian, a alleging systemic issues such as failing to forward consumer -provided evidence to furniishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, an Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I requested in writing a validation of debt and a signed contract because I received collection from the same company Midland Credit Management XX/XX/year> and they did not validate the debt and instead of validating the debt they reported after receiving my request for the debt validation to XXXX. I believe this is in violation of US 15 1682G. I want this deleted from all 3 major credit bureaus. I see this as harrassment and trickery to force me to pay them even though I don't have a validation of the debt or the accuracy of the actual amount owed to XXXX. for account ending in XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding fees that have been incurred due to insufficient funds despite having the funds when the transaction was authorized. I was charged for the lag in the posting of charges and credits. This issue aligns with the recent CFBP findings against NFCU and similar practices. I request an investigation into this issues as I believe it is unfair due to the funds initially being available despite the insufficient balance.
Product: Credit card or prepaid card

On XX/XX/XXXX I made an on-time payment in the amount of {$50.00} to American Express and they charged me a {$39.00} late fee on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan with XXXX XXXX Dealer Services XX/XX/XXXX. I traded the vehicle in. Apparently the dealership and XXXX XXXX got their wires crossed but the payment for the payoff did not post at a decent time. This caused XXXX XXXX Dealer services to mark my account as 30days late. When I handed over the keys and signed for a new vehicle at the dealership, the XXXX XXXX then became that dealerships property. My credit report should not reflect a 30day late payment. I did not miss a single payment before then. Ive disputed this account many times with no success. I called XXXX XX/XX/XXXX in hopes to resolve the issues still no success. I disputed with Transunion and they have not provided ANY verification. I have no proof they have even tried to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX different accounts attempted to open under my name. I have been receiving urgent letters in the mail, and several different warnings regarding them. According to TransUnion, someone has attempted to view my credit via TransUnion XXXX on XX/XX/2022 from XXXX XXXX XXXX, CA. Another log in via TransUnion XXXX happened on XX/XX/2022 from XXXX XXXX XXXX, CA. A third account was attempted to be opened from XXXX XXXX XXXX in XX/XX/2022 from XXXX XXXX, WI. None of these were me, and the letters in which I had received in the mail were also from XXXX other separate banks. XXXX Bank, as well as XXXX XXXX. These have not showed up on my credit reports, but there were XXXX checks written from my name for the amounts of XXXX and XXXX dollars to accounts at each bank. I am just very overwhelmed and confused. I have requested a credit freeze and reported identity fraud, but am unsure of what else to do at this point to protect myself. I have no idea if there are more accounts that were opened that I dont know about yet, or what exactly to do.
Product: Credit card or prepaid card

I am in a payment program with CITI Cards that was accepted by the XXXX  XXXX  XXXX. I stopped working with my Credit Counselor due to personal reasons and wanted to set up CITI for automatic payments. I called CITI three months ago ( prior to the date of this complaint ) and they took payment and assured me I could set up my Macy 's card ( serviced through them ) and my Thank You card a Visa card through autopay. The Macy 's Card has been auto deducted but the Thank You Visa card has not been. I was reported late which CITI promised not to do, and they subsequently told me I could not set up autopay. I have made several attempts to pay, but they told me attempts to pay must on auto-pay must be done through the credit counselor unless it is a one-time payment. That does not make sense if they can take one-time payments. Additionally, they store payment information indicating they have a way to store and transmit payment information monthly.
Product: Checking or savings account

I am filing a compliant with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital one sites technical issues which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to insure my rights are upheld. Thank you.
Product: Mortgage

As per RTR 's response of CFPB Complain # XXXX on XX/XX/2023, RTR will be emailing nearly 100 letters to theconsumer later today.As of today XX/XX/2023 RTR has once again fail to provide documents requested and promised by RTR. RTRs failure to produce documents request is a clear violation of 12 C.F.R. 1026.41, violation of California 's Unfair Competition Law ( UCL ) ; violation of Cal. Civ. Code 2923.55 ; and violation of California 's Rosenthal Fair Debt Collection Practices Act ( RFDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my XX/XX/XXXX payment with 2 checks. Nationstar Mortgage 's report shows that they received them on XXXX XXXX and applied them to principal, rather than to the monthly payment due XX/XX/XXXX. I was not aware of this until my XX/XX/XXXX statement arrived. I immediately phoned them on or about XX/XX/XXXX and they corrected it in their records. However on XX/XX/XXXX I received a notice that my credit rating dropped. I reviewed my report and the drop in the rating was due to Nationstar 's reporting the XX/XX/XXXX payment delinquent for over 30 days, which was totally false in that they simply misapplied it. I filed a report with XXXX XX/XX/XXXX and XX/XX/XXXX and they said Nationstar has 60 days to respond. 

On XX/XX/XXXX I wrote to Nationstar requesting it be corrected. Heard nothing.

On XX/XX/XXXX I called a manager at Nationstar and they had me email the information to them, which I can and can forward to you. 

My credit has been significantly adversely affected and they are doing nothing. Now they are selling the loan to XXXX XXXX effectiveXX/XX/XXXX and have not corrected it yet.
Product: Credit card

On XXXX XXXX I called into American Express to dispute a charge of {$690.00} for a hotel charge that we never stayed at. A customer service agent named XXXX with ID # XXXX told me I will not need to worry about the charge, ever. 
Although they would dispute the charge with the vendor, I would not ever have to worry about the charge. 
I have provided everything to them that they have asked for. 
Two weeks later, the charge was back on my billing statement. 
After many calls and disputes, they tell me they will address this for me only to see the charge back on my billing statement. 
Bottom line, they have told me that I will never have to worry about or pay the charge I am disputing, but they turn around and keep putting the charge back on my account. 
They will not do anything about the dispute now and hang up on me when I try to address it. 
I have been with them for XXXX years, never late on a payment, and this is how they treat me.
Product: Checking or savings account

I opened a banking account with Wells Fargo. I initiated two separate transactions, via Wells Fargo 's website, to transfer money from an external account to the Wells Fargo checking account, using the other bank 's routing and account number. Wells Fargo denies having received these two transfers, for {$500.00} and {$100.00}. 

I called the credit union that transferred the funds. They have verified that they transferred both amounts to Wells Fargo and they have sent me proof of that transfer. Wells Fargo still denies they received it a week later, and they refuse to credit my account. 

I have been on customer support with them for HOURS, and they refuse to fix this. My next step is to get a lawyer I think, even if it costs more for the lawyer that the lost funds, because this is just blatant fraud on the part of Wells Fargo. 

I have attached the proof from my credit union that the two transfers happened. They are dated XX/XX/23 ( {$500.00} ) and XX/XX/23 ( {$100.00} ). Neither of these has appeared in my Wells Fargo account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX