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

On XXXX/XXXX/XXXX I purchased an engagement ring at XXXX XXXX for the amount of XXXX and made a down payment of {$600.00}. I opened up a store credit card on that day and it was zero interest. Then on XXXX/XXXX/XXXX I purchased the matching wedding band for the amount of XXXX again I used the store credit. I asked the salesman who happened to be the manager of I needed to make a down payment. He replied " No you do n't because you made a down payment on the ring you had purchased earlier '' he also informed me that I would not be charged interest and that this ring was part of the promotional plan. 
Anyways a few months go by and I check my statement online this was sometime in XXXX. I make an account on XXXX Banks website. The people who financed my purchases and I notice I am being charged interest on the last purchase I had made. I called Comenity bank and filed a dispute through them. A few weeks later I notice I was charged interest again. So I called and filed another dispute this time I was on the phone much longer and the representative seemed a lot more helpful and informed me that I should see something in the mail in a month or so. On XXXX XXXX I recived a letter in the mail stating that they are not going to make any changes to me bing charged interest since it has been 60 days since I made the purchase. 

I called Comenity bank XXXX/XXXX/XXXX and asked why they would n't make any changes I was then informed that they supposedly sent me a letter saying they would n't be charging me interest if I could provide a receipt showing I made a 20 % down payment on the last purchase I had made. I explained that when I made the purchase the XXXX at XXXX 's told me I did not have to put anything down since I had made an earlier purchase and that I was not going to be charged interest on this purchase. Anyways long story short Comenity Bank refused to help me or make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Ive sent disputes regarding unknown and inaccurate accounts but it's over 30 days today I haven't received a response. I was a victim of XXXX data breach. I demand to remove those accounts from my credit report or I will file litigation.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balanced {$110.00} XXXX XXXX XXXX Balanced {$3300.00} XXXX XXXX XXXXXXXX XXXX Balanced {$350.00XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX {$0.00}-
Product: Mortgage

We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXXXXXX XXXX XXXXXXXX Ga XXXXThis house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open.We have no documents regarding this loan with WELLS FARGO FINANCIAL GEORGIA , INC, INC We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX Ga. We will told the home was foreclosed on however, this was not the case .XXXX XXXX  XXXX US FED BRC XXXX XXXX OF GA XXXXWELLS FARGO FINANCIAL GEORGIA INC ACCT NUMBER XXXX XXXX XXXX FOR YEAR XXXX. 
PLEASE NOTE PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX WAS ALSO STOLEN
Product: Checking or savings account

Unable to get LEIN off an account with XXXX XXXX XXXX XXXX. I was informed that I was XXXX XXXX XXXX XXXX had merge with XXXX XXXX XXXX which was purchased by PNC Bank, I am trying to sell my XXXX XXXX Boat, VIN # XXXX however, I unable to do to the fact the neither XXXX   XXXX  XXXX, XXXX XXXX, or PNC Bank has sent me a cleared title. On XX/XX/XXXX, I went into the PNC Bank branch in XXXX, Michigan and was assisted by a customer representative XXXX who told me to go home type out a letter to the bank requesting the VEHICLE LEIN RELEASE LETTER in which I went home to type out the letter. Appearently no forms at the bank. On XX/XX/XXXX, I returned to the bank in XXXX and XXXX faxed the letter to an unknown unit or entity of PNC Bank. She would not give me a direct number to the unit but said I it might take 5 days and then it would be mailed out. She suggested that I request that the cleared title be both mailed and faxed to the bank in which I did. No tracking number or anything. Today I called XXXX who gave me the number XXXX which I called and was informed that they had nothing to do with PNC Bank. Allegedly, the letter was faxed to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, Inquiry Date : XX/XX/21 XXXX XXXX, Inquiry Date : XX/XX/21 XXXX, Inquiry Date : XX/XX/21 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you ( Equifax ) permission to furnish this information on my credit report. This is a violation of the

Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

I also demand you. ( Equifax ) to produce a contract between you and I, the consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is a follow : XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

I own a XXXX XXXX which was completely shut down due to the Covid pandemic. When the situation began I immediately contacted my mortgage company in XXXX. I did not hear back for weeks - ONLY AFTER I filed a complaint with your office and the company was forced to respond. A 3 week forbearance was granted to me in late XXXX as a result. Today I received a new letter from the company threatening me once again with credit report damage and foreclosure if I do not pay. They are telling me I am over 45 days late when I have a forbearance agreement. This is not fair and not legal. I've contacted them to tell them so and am filing this complaint with you because I do not trust them after their prior attempt to harm us. 

I must also mention that the company has in the past few months raised my monthly payment from {$2800.00} per month to {$3200.00} per month. The rate is not adjustable during this period and I am worried they are unlawfully taking advantage of us by adding in fees and costs that are not part of our signed agreement for the mortgage. 

PS : I have attached copies of the forbearance granted in response to your ( CFPB ) action, and the current notice of default to this complaint below. 

The mortgage info and company is : Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, MI XXXX ph : XXXX email : XXXX Mortgage Account # XXXX
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX, XXXX company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( XXXX ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( XXXX ) ( B ) ( XXXX ) ; ( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Checking or savings account

My account had activity that was fraudulent. I reported the activity and even stated that I did not make those transactions. Claim was processed and approved but there was still a hold on my account. My question is instead of keeping a relationship with your customers why do you guys close accounts when it has nothing to do with us that fraud has occurred. If they investigate and see that it was fraud why close someones account and then I need the money. I wouldnt file a claim if I didnt need the money. I live a normal life. They let the folks withdrawal the fake check and take my money but wont let me even use the funds that was credited back. Thats backwards. Like why have a fraud team if the goal isnt to help keep customers.
Product: Credit card or prepaid card

I received a fraudulent card in the mail and have made numerous attempts to notify Cash app/ Block, Inc.. This is the second card I have received. Cash app does not have adequate service to protect consumers from fraud. Customer service department does not care to correct the issue. I have no faith that the card in question has been closed or reported as fraud. Numerous calls that have just hung up or placed on hold and never picked back up. They never asked for my name or contact information to confirm the account. I do not use this company in any capacity. Please help protect consumers from fraud with this company. Fraud is a serious issue especially if not handled promptly.
Product: Checking or savings account

In XXXX of this year my wife tried to purchase an office chair from a website. She authorized a payment of {$39.00}. The website turned out to be a scam. Not only did she not receive the office chair, but the scammers also charged our account nearly {$740.00} of unauthorized charges the following day. 

We disputed the charges with Ally Bank and were initially given provisional refunds while they conducted their investigation. On XX/XX/XXXX this year, without any warning or communication, they withdrew the refund claiming that the charges were not fraudulent. When I called Ally to appeal the decision I was not allowed to talk with the disputes department. I was told that the other option was to open new disputes with additional documentation. I did this on XX/XX/XXXX. But those disputes have been quickly closed without correspondence or explanation. 

I am just trying to get the fraudulent charges refunded. I have spend about a dozen hours on the phone with Ally 's customer service being bounced around from representative to representative with no results.
Product: Credit card

In XX/XX/, I made an initial deposit of {$490.00} via credit card for a product. According to the email correspondence from the business, the total charge was not to exceed {$800.00} plus tax. However, in XXXX XXXX  when I inquired about the estimated time of arrival ( ETA ) of the product or requested a refund due to non-delivery, there was an unauthorized attempt to charge an additional {$800.00} to my credit card. This attempt was automatically declined by my credit card provider. 

This unauthorized charge attempt brought the subtotal to {$1200.00}, which was not in accordance with the agreed terms stated in the business 's email. Despite opening a dispute with Wells Fargo about this issue, there has been a lack of support and negligence on their part in resolving this matter. I am seeking assistance to address this issue and ensure proper handling of the dispute in line with the original agreement and terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. The following accounts are reporting inaccurate information on my credit report : XXXX  XXXX [ XXXX ] XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX [ XXXX ] XXXX [ XXXX ] XXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXXXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX ] As correspondence, I will mail this report along with identity and address information for the credit bureaus to see. I simply ask to remove all these accounts from my report. There are too many inaccurate payment histories, payments, and amounts on these accounts that isnt supposed to be there. Ive also considered that incorrect and false information on my credit file is a violation of my personal and privacy rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX inaccuracies and intentionally reporting false balance, MCM ( XXXX XXXX XXXX XXXX reporting to the CRA XXXX ( Consumer Reporting Agencies- Equifax, XXXX and XXXX ) XXXX reporting amount balance of {$670.00} and the amount past due {$670.00}. 
Original creditor XXXX XXXX Bank reported to the CRA 'S on credit report XX/XX/year>, that the amount balance of {$570.00} and amount past due {$150.00}. 
See attachments. 
XXXX XXXX XXXX also reporting two accounts on my credit report. See attachment. 
Delete and remove these duplicate accounts immediately. 
XXXX XXXX XXXX # XXXX, XXXX XXXX Equifax XXXX and XXXX.
Product: Mortgage

Around XX/XX/XXXX I sent the following letter : Dear Sirs ; I am, by this letter, disputing your stated balance of $ XXXX XXXX on Loan Number XXXX and informing you that correct balance is {$0.00}. 
I believe your erroneous balance is the result of the following three errors : 1. Incorrect Balance Transfer from OTHER $ XXXX 2. Interest Charges Related to carrying the Additional $ XXXX $ XXXX 3. Interest Calculations Made Using Due Dates Not Payment Dates $ XXXX On XX/XX/XXXX I received a letter dated XX/XX/XXXX from OTHER informing me that my loan was being transferred to Capital Mortgage Services of Texas ( see attachment 1 ). I sent to you on XX/XX/XXXX a letter stating that the balance OTHER was carrying was in error ( see attachment 2 ). I advised you in that XX/XX/XXXX letter that I would not accept any amount other than $ XXXX XXXX transferred from OTHER on XX/XX/XXXX as the amount that I owed to Capital Mortgage Services of Texas. 
As I received no response to this letter I called your office and spoke with one XXXX XXXX on several occasions. During these conversations I expressed my concern that interest on my payments was being calculated based on the Payment Due Date and not the actual payment receipt date. After several telephone conversations and email exchanges Firstname assured me that you had my letter on file and both the incorrect balance transfer and the interest calculation variances would be resolved when the loan was to be paid off ( see attachment 3 ).  That Day of Reconciliation has now arrived. 
Please review the attached payment history with my interest calculations shown ( see attachment 4 ) and forward to me any comments or questions you may have. 
Thank you for your help on this issue. 

Sincerely, My Name
Product: Credit card or prepaid card

XXXX payments were swept from my checking account. XXXX on XX/XX/XXXX for {$550.00} XXXX on XX/XX/XXXX for {$550.00}. The first when I scheduled the second one was an electronic issue. I have been calling since I received an email that this duplicate payment was on my account from Bank of America. As of today I have not received my refund and was assured that it would be in my checking account at XXXX oclock this morning. Now a supervisor is telling me that it will take up to 60 days. I make my payments on the Bank of America card website. The bank that I pay my payment from is automatically populated into the payment window. Somehow so all the electronica processes they swap another payment even before the due date. The statement balance was paid on XX/XX/XXXX. I have spoken to many many people and have it written down time and dated who I spoke with and every story is different. All I want is my {$550.00} refund.
Product: Checking or savings account

Certain transactions I would make with XXXX will sometimes be inaccurate maybe XXXX dollars more than what I originally paid. Also with my account I would have transactions that I would never make and from states that I was never in.
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my credit report with Experian. Specifically, my credit report contains XXXX incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have formally requested an investigation and correction of these errors under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to investigate and correct inaccuracies within 30 days of receiving notice. 

I have emphasized Experians legal obligation to conduct a reasonable and thorough investigation, as established in XXXX XXXXXXXX XXXX XXXX, which mandates the highest standards of accuracy, and XXXX XXXX XXXX XXXX XXXX, which requires the agency to go beyond automated checks to verify information validity. 

If Experian fails to resolve these issues within the legally mandated timeframe, I have pointed out that they may face liability under 15 U.S.C. 1681n for willful non-compliance or 15 U.S.C. 1681o for negligent non-compliance. I have also requested a detailed description of the investigation procedures and an updated copy of my corrected credit report as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

I made it clear that if the matter is not resolved promptly, I reserve the right to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursuing legal remedies.
Product: Credit card or prepaid card

I put {$500.00} on this account around the XXXX of XX/XX/XXXX i had {$100.00} paid to my XXXX XXXX phone account then it got locked by netspend ... .i contacted them they said they would not unlock card they must send me another in mail.I protested because i had set up automatic payments XXXX XXXX and others.Three days later I got my card from XXXX XXXX. A card number XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX cv code i try to use it is locked i call company Netspend # XXXX i treated very rude i was threatened by Represents.of a permanent locked account because i questioned sending my drive license info., birth cert., medacare insurance info to them ... .then cheing ( female ) did lock my account with out reimbursing my money.I am considering legal action/ law suit!
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT 5+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX  XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX  XXXX., DEPT OF ED/XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX., XXXX XXXX XXXX!!!
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.