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

In XX/XX/2018 I received a call from an English speaking woman from Sears Mastercard fraud unit. She stated that suspicious activity was noticed and asked did I make charges in the amount of {$850.00} in Massachusetts at a XXXX XXXX XXXX XXXX and at a donut shop. I told her I live in XXXX XXXX and have never been to Massachusetts and never made the charges to my account. She said she would remove the charges and reissue me a new credit card and my account would not be charged. Today, XX/XX/XXXX I received a letter stating they had received a receipt and that they were rebilling my account and closing out their case. I signed the letter stating I did not make the charges and faxed back to them. I have talked to them several time on phone and I do not get anyone who speak good English. I did not make the charges and the receipt the store sent does not have my signature or name or anything just the last four digits of the card. Sears Fraud Unit is giving me the run around and I do not feel they have investigated. They have just rebilled me. What do I do next. I do not think they are doing this legally and I always pay my bills on time. I have always paid my Sears out in one or two months. If I had made a purchase I would have paid for it. It looks like someone purchased 3 gift cards and how can someone use a credit number and no card at a donut shop. They have been very rude on the phone and there is a great communication problem. I believe a new company must be taking over Sears accounts because this has not happened to me before. Do I contact Attorney General, get a lawyer and start a class action suit? I do not believe they are going by the law. It seems Sears is closing and they must be selling all their accounts to a foreign company. They do not understand English and many have been inpatient and rude and they don't seem to know what is going on.
Product: Credit card

citi randomly closed my card 2 days after my credit limit was increased due to my score going up
Product: Checking or savings account

omplaint against Wells Fargo XXXX was XXXX  from my account after my phone was stolen. The claim was denied because " Either myself or someone I know made the transaction and per my phone call with them on XX/XX/XXXX it " had to be you sir because they used XXXX. '' I am writing in response to a denial of a claim submitted because of online fraud for my 2 accounts with Wells Fargo. Enclosed is all the account information. On XX/XX/year> my phone was stolen, I was pickpocketed. The person who stole my phone was able to access all of my financial information which included Wells Fargo. They were able to charge XXXX to XXXX XXXX, XXXX to pay my XXXX card so they would have more available credit, and XXXX was charged as an ACH payment to XXXXXXXX. I called Wells Fargo immediately and filed a claim for those transactions. I asked the gentlemen from Wells Fargo if I needed to close my accounts and he said Well I dont see any other evidence of fraud so I will just cancel your ATM card and send you new ones. He said I did not need to cancel or close the accounts. That same night is when the XXXX transactions occurred in the amount of XXXX. If my account was closed when I first called they wouldnt have been able to access my checking account. 

I suggest you look at the original transactions on XX/XX/year>. The account says XX/XX/year> and that is not when it happened. I called Wells Fargo at approx. XXXX to XXXX with fraudulent activity of XXXX of XXXX XXXX and XXXX to XXXX which was found to be fraudulent activity. The XXXX transactions occurred hours later. Once again if it was closed at XXXX then they would have closed the account then the XXXX XXXX would have never happened Your explanation letter from a previous complaint states that they used online access and its my responsibility to protect my identity but when I called? I was told it accessed using XXXX ( XXXX XXXX. I suggest you listen to the tapes of my calls
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Mortgage

This has been my second attempt to get my house refinanced. This time the process took over 2 months. Every week we were all done and then they would come up with more nit picky stuff to try to find a reason to deny it. Then they denied my credit simply because they could not handle what I said or the truth to what they are really doing here. Their decision was not based on any of my qualifications, they discriminated on the fact I hurt their feelings. The words I say do not disqualify me from a mortgage, if they did not want to hear them then they should do their job in a timely manner. 

XXXX XXXX even threatened to try to get me fired from my employer and report me to the local and federal authorities. So they literally tried to blackmail me to keep me from trying to contact them again. Because they could not handle words, or truth rather. IT takes a lot more thick skin than that to function in this world and people need to understand that. Blackmail is not the way to get anywhere. If they push that envelope further I will retain a lawyer to further that action as that will not be tolerated at all.We both can play the game of who knows the most words here. 

First it was explanation letters and proof of statements for what was already on our credit reports. That was detailed in our credit reports and when we questioned it, they were suddenly able to handle it on a phone call with the credit bureaus, but we had to stay on hold for hours to make that call happen. Then week after week it was either a new processor or new requests for useless information. They are so unorganized it is not even funny. We have wasted so much time on this process. 

Then after the final request for me to waste more of my time just so that they can make the mortgage itself pretty enough for them to sell for profit, and provide them with papers that have no bearing on the mortgage itself. I was already qualified and everything was submitted that they needed to see that. 

The credit denial letter is attached. The appraisal for the property is as well, so that you can see that teh reason for the denial is completely fraudulent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Specifically related to the recent CFPB lawsuit highlighting significant platform issues. Despite my sending money and not being able to cancel when the wrong contact is entered Zelle and my bank refused to investigate my claim. The CFPB findings indicate that Zelle allowed repeat offenders to take advantage of this payment system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

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

Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$26.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full. At the time there was a late fee that they agreed to waive. Not only did they not waive the late fee, they charged off the account and it is harming my score. This is a violation of the Fair Debt Collection Practice guidelines as well as a FCRA violation. I have tried to contact this company and can't reach anyone or get a return call. Take a look at their reviews and you will see that this is not an isolated situation. Please remove this line item from my credit report.
Product: Credit reporting or other personal consumer reports

Transunion failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Transunion has been consistently failing to adequately notify consumers of dispute outcomes. Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

The following accounts have been disputed and yet still has remained : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally to file a complaint regarding charge off accounts that continue to be reported on my credit report, despite qualifying as income under IRS guidelines. The reporting of these accounts without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background The accounts in question was charged off by the creditor which legally classifies the balance as canceled debt and, therefore taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision creditors are required to issue a 1099-C form for canceled debt exceeding {$600.00} allowing the debt to report it as income to the IRS, however I have not received a 1099-C for these accounts yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off.

Legal Basis for Complaint Violation of IRC6050P The Internal Revenue mandate that creditors report canceled debt exceeding {$600.00} to the IRS and provide the debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditors adherence to federal law.

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishes are obligated to report accurate information to credit reporting agencies. Reporting a charge off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditors reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : it is considered an unfair, deceptive or abusive act or practice ( UDAAP ) to report a charge off accounts as collectible or delinquent when it should be classified as income and documented through a 1099-C.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXXXXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX knows this information posted on my credit report is incorrect. 

XXXX can not produce loan agreements with me.
Product: Mortgage

I have been working with NewRez for a while. They hold my current mortgage and, after negotiating, I was able to get them to agree to be competitive with other rates I was receiving. They started talking to me about the loan and I was very happy as it was going to save me 200-250/month and add very little to the loan. Eventually they were sending me LE and they were wildly inaccurate. They told me I simply needed to sign one and that they would get the correct numbers to me later. So I did. It took about 3 weeks for them to get me correct numbers and then they asked me to re-sign the original, incorrect LE. They said it was a technical glitch on their end. 

Then they started asking me for documents. I submitted all docs onXX/XX/XXXX and, somehow, they all disappeared and I was asked to resubmit those same documents again, sometimes 3 times. 

Lately the rates have been falling and I asked my mortgage lender about what he had told me on XX/XX/XXXX that if the rates begin to fluctuate downward, then they would move the rates downward as well. I asked a friend of mine to call NewRez as a potential customer. With a worse credit score and similar loan amount, he was quoted a quarter point lower than I was. When I asked this of XXXX XXXX, I was told that I was locked in and they could do nothing, even though that is not what he said on XX/XX/XXXXto me. 

My concern is : 1 ) I am being scammed. 
2 ) They continue to lose my documents that have my personal and security information on them. I am worried that I will be a victim of identity theft. 

Overall, if this loan ever does come through then I will save 200-250/month. But  unfortunately I feel this company is scamming me by lying about the lack of floating lock and losing all of my personal documents. 

I was also told that I would not have to pay both XX/XX/XXXX and September mortgage payment as the loan would be in place. So far I have paid XX/XX/XXXX and, if things don't move quickly, will be paying XX/XX/XXXX. Unfortunately, since they continue to lose my documents, it is slowing the process. 

Finally, I was told I would not receive my leftover escrow back but that they would lower the loan with it. That is not on any documents that I ever received, even though I have asked them multiple times for it.
Product: Debt collection

Ive have disputed this account with the credit bureau since 2020 to validate this account and result remains the same. No change or correction has been made on my credit report. American Adjustment BU reflects a bill for {$670.00}. This collection is affecting my credit score and is violating my rights to dispute in a timely fashion for several years. No communication from this collection agency regarding this matter. This account shows that it is collection and past due.
Product: Credit card or prepaid card

Please accept this statement as a formal complaint against the above credit card company for its refusal to remove the sum of {$97.00} from my account for a charge that I never made. 

The timeline and basis for my complaint follow : XX/XX/2021 The charge in question first appears on my statement for a transaction involving XXXX XXXX on XXXX XXXX XX/XX/2021 I called Customer Service and advised that I had not charged the sum of {$97.00} at XXXX XXXX, and asked that the charge be removed from my account XX/XX/2021 My dispute is acknowledged and I am asked to provide additional documentation, which I provided ( copy attached ) XX/XX/2021 My claim is denied on the basis that the information I provided was not enough to support my claim ( copy attached ) XX/XX/2021 I call XXXX XXXX and receive confirmation that no charge for this amount existed on their records. I send my letter to LL Bean again stating that the charge is not appropriate ( copy attached ) XX/XX/2021 LL Bean again declines my claim advising that, the documentation does not support the claim ( copy attached ) XX/XX/2021 I again call XXXX and receive written confirmation directly from this vendor stating that no charge for this amount exists on their records - see email with screenshot from XXXX XXXX, Front Desk XXXX at XXXX XXXX dated XX/XX/2021 where he states, " I am unable to find any charges for the amount we discussed of {$97.00} ''. A copy was forwarded to LL Bean under letter of that date, together with yet another request that the charge be removed from my account ( copies attached ) XX/XX/2021 LL Bean again denies my request stating that, the documentation doesnt support the claim ''. ( copy attached ) I have provided to LL Bean copies of documents sent to me directly from the vendor in question where the vendor himself states in no uncertain terms that a charge for {$97.00} does not exist on their records. Despite this, LL Bean refuses to remove the charge from my account.

LL Bean has acted in bad faith by their refusal to remove this charge from my account, despite the fact that I have clearly and convincingly demonstrated that the charge was never incurred.
Product: Student loan

My wife and I consolidated our student loans in XXXX and made our first payment on XX/XX/XXXX. We borrowed ( consolidated ) {$21000.00} for the total amount. The interest rate is 8.125 % and is daily accruing interest. Though we had several periods of forbearance, we have paid a total of {$32000.00} in total with only {$6900.00} applied to principal and {$24000.00} of interest and {$750.00} in late fees. We STILL OWE {$25000.00}. Something just doesn't seem right with paying this much and getting nowhere. 

We just made a call to Navient ( XX/XX/XXXX ) to get some explanation and the numbers did not make sense when the representative was attempting to explain. He said the interest was computed differently on one payment we were discussing because of the time of year it was when we made the payment.Once my wife called and they overcharged us on a late fee by {$12.00}. She only caught it because something did not seem right and she was tracking our account daily. We do not have the time to check behind Navient daily to see if they are doing something not right. We even pay about 10 days early now and it does not make a difference in the amount that goes to the principal. I just can't understand how we borrowed {$21000.00} and will be paying back {$57000.00}. Please help us find out what is going on here.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 U S DEPT OF ED/XXXX XXXX XXXX AND XXXX has violated my rights.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in accordance with the Fair credit reporting act XXXX Account #, has violated my rights 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 consent / instructions. 
XXXX XXXX # -- XXXX XXXX XXXX XXXX # -- XXXX XXXX XXXX # -- XXXX XXXX # XXXX -- XXXX XXXX # -- XXXX XXXX XXXX XXXX # -- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To whom it may concern.

Our company credit card Capitol One Spark account was cancelled do to not aligning with their company policy. Capitol One would NOT tell us what we did not align with. We called and our account is in good standing. No late payments at all. Capitol One would not tell us what the real problem was. We believe we were singled out because of these reasons. 
1. We are a pawn shop. ( # 1 reason ) 2. We are selling legal firearms.

3. We are a small business owner.

4. We are Republicans.

Would this be a form of discrimination? 
I'm not sure if there is anything you can do for us? 

Attached is a copy of the letter that was sent to us from Capitol One. 

Thank You, XXXX XXXX Manager/Partner XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One advertised through various spokespersons that they changed their policy and would no longer report business XXXX XXXXXXXX XXXX to customers ' personal credit reports. I obtained this card only because of this promise. When I saw that the card did show up on my personal credit report, I closed the card and asked Capital One to remove it because it shouldn't have been there in the first place. Capital One refused to do that. I am attaching my letter to them and their response. Please notice that Capital One completely ignored the issue that I wrote about, and I hope that you will not let them continue to do that. I would like Capital One to explain, in great detail, the discrepancy between what their spokesperson said and what they actually did, with particular attention paid to every point in my letter. 

I have shared all of this information about Capital One 's deception with XXXX multiple times, but XXXX does not care about this deception. They say that if Capital One does not want to remove the card, XXXX will not either.