23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXXXXXX - XXXX - {$810.00} XXXX XXXX XXXX - XXXX - {$1400.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Vehicle loan or lease

I thought that after loan was closed gap insurance was supposed to be partially refunded or something but that was not done I'm checking to see if there's some kind of refund that I should be receiving
Product: Checking or savings account

On XX/XX/XXXX I sent somebody {$160.00} through XXXX to buy a XXXX. They said they never received this payment even though it processed. They then said that they needed my Bank account login, Debit card information, XXXX login, and address to start a refund. When I gave them this information they then made multiple payments on my account through XXXX and XXXX. I did not dispute them until now because he said that is what XXXX support told him to do. He used the address I gave him to mimic my IP Address with a VPN. He also used something to mimic my device and I'm not sure what it was. He did this so when he made payments he would not trigger any fraud alerts. There were multiple payments he made, but the ones that went through were {$93.00} on XXXX, {$220.00} on XXXX made on XX/XX/year>, {$270.00} on XXXX made on XX/XX/XXXX, {$90.00} on XXXX made on XX/XX/XXXX, {$110.00} on XXXX made on XX/XX/XXXX, {$70.00} on XXXX made on XX/XX/XXXX, {$30.00} on XXXX made on XX/XX/XXXX, {$5.00} on XXXX made on XX/XX/XXXX, and {$250.00} dollars on XXXX made on XX/XX/XXXX. There were XXXX transactions he made where he forgot to use his VPN and they both triggered fraud alerts. The XXXX transactions were the {$250.00} on XXXX, and a denied {$280.00} payment on XXXX on XX/XX/XXXX. They locked my account and had me get a new debit card. This proves that he had access to my account to make transactions without my authorization. I did not know that these classified as fraud when submitting my initial claims to Chase so I filed some incorrectly. I have filed an XXXX complaint already. I have attached the screenshots of me giving him my Bank account login, XXXX account login, Debit Card information, Address ; The Bank account login from a different device, The failed {$280.00} XXXX payment and The XXXX Complaint.
Product: Credit reporting or other personal consumer reports

Dear Equifax I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XXXX XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Card Services XXXX . XXXX XXXX XXXX, MN XXXX To who may concern : Re : On XX/XX/XXXX, I purchased the following product or service : XXXX XXXX credit card took money for services non authorized and refuse to reverse those chargers when auto pay should only have been used for transfer money when payments are not made what so ever all the payments were done in a fashion matter ( also from XXXX institution ). 

I am dissatisfied with the bank with bank errors that should have happen to begin with and the lack of effort to reverse those non authorized payment, Asking to please fix the issue and send back to funds to the issuing back when the payment was made in full already. 

I would like to have that money reversed back to my banks account as per agreement I was told autopaymet should only be apply if not payment is made. 
I have enclosed copies of my records related to this situation. 

I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone a XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX   via fax XXXX XXXX credit card
Product: Credit reporting or other personal consumer reports

I disputed the length of time an item is supposed to remain on my credit report. Each time I filed a dispute, the items date changed, extending the reporting period. XXXX, XXXX, and Equifax all show different dates for the same items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The length of time an item remains on my report is based on the Date of First Delinquency ( DOFD ), which should not change. In this case, illegal re-aging is a violations of my consumer rights.
Product: Credit card or prepaid card

On XX/XX/2022 to XX/XX/XXXX, several unauthorized charges were made with the total of {$17000.00} which were posted to my account. These purchases were made in stores such as XXXX XXXX, XXXX, and entertainment tickets in XXXX XXXX. I had reached out to my bank ( Bank of America XXXX and asked them to freeze the card and filed for credit card fraud. On July 11-13th 2022, Bank of America reissued my credit back into my card in its entirety. However, today XX/XX/2022, Bank of America reinstated some of the charges back into my credit card because " the purchases were made with a chip and verified by signature ''. Currently there are XXXX outstanding charges, {$1200.00}, {$7000.00}, {$5800.00}. The bank stated that they felt these purchases were legitimate and that I would be expected to pay. They also stated that if I had felt that the charges were fraudulent, that I would have to go to the stores themselves and ask for proofs of purchase and see if the store can do anything on their end. Later after visiting the stores the fraud was then refunded. However, later they have now reversed their decision on the XXXX and XXXX XXXX tickets. Even with video evidence of another man who I do not know was revealed making the purchases, the bank felt that due to the information provided by the merchant and the signature were legitimate. Currently the charges are for {$3300.00} and {$360.00} for XXXX merchandise and show tickets. 
I don't understand why video evidence does not exculpate me of these charges.
Product: Credit card or prepaid card

I was applying for a XXXX XXXX XXXX Credit Card XXXX The promotion from the XXXX XXXX website and was for XXXX bonus miles after spending {$2500.00} on the card over the first three months. When I received the card, it said that I was only granted XXXX bonus miles. I had many conversations with Citibank and they told me to send a letter with the original offer so it would be resolved. I received a letter dated XX/XX/2022 that I was not eligible to receive the offer because " the offer to receive XXXX bonus miles was not solicited directly to '' me. Why would they be advertising the XXXX bonus miles all over the internet if it was only eligible to those that were directly solicited, that makes no sense and if that is the case, it is extremely deceptive marketing. I called Citibank on XX/XX/XXXX to resolve this and they directed me to the small print on the offer that reads, " Your eligibility for a particular product and service is subject to a final determination by Citibank ''. This was the explanation, that since I wasn't directly solicited, this catch-all language meant that Citibank was able to change their offer to only XXXX bonus miles. This is not acceptable to me. I have excellent credit and there is no reason why I should not have received this widely promoted offer. Thank you for your help
Product: Debt collection

i have asked several times for the original purchase agreement between me and this company and they cant provide it
Product: Checking or savings account

I received a check from my tenant on XX/XX/XXXX. I deposited into my XXXX XXXXXXXX XXXX account ( the check was a Chase Bank check ). The check came back on XX/XX/XXXX stating 'UNABLE TO LOCATE ACCOUNT ' This was attempted again on XX/XX/XXXX with the same error. The problem is that the border of the check obscures the XXXX numbers. These are numbers on the bottom of the check to locate account number and routing information. At one point the teller and XXXX XXXX  XXXX manually wrote the account number at the bottom of the check. This should be a very simple resolution. I have also had this same issue from another tenant with a Chase Bank account. So there appears to be a problem with the alignment of the checks. The customer service at Chase has been nothing short of appalling. In my opinion they don't appear to understand what a XXXX reader is or the purpose of the XXXX characters at the bottom of the check. I have {$4200.00} which I have been unable to access since XX/XX/2024. 

In the attachments I have provided a copy of the check and subsequently XXXXwo instances which states the inability to locate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a dispute with Experian as they have incorrect information on my report which has affected my credit score and ability to get credit. report # XXXX. I also emailed the president of experian XXXX XXXX on XXXX XXXX XXXX. 

I applied for financing for an auto loan on XX/XX/2021 with XXXX They contacted XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX. On my credit report it states that i have three hard inquiries as a result of me trying to get a car loan. The law says that a dealership may have sent your loan application to multiple lenders to find the most favorable interest rates. If they all fell within a window of a few weeks, they will be considered rate shopping and will only count as a single inquiry in credit score calculations. Experian has counted them as 3 inquiries thereby impacting my score. The inquiries were all on the same day. This has also happened with XXXX and XXXX  which I have not filed disputes with yet.
Product: Money transfer, virtual currency, or money service

Moneygram.com is the company involved. 
I am a customer of Moneygram for the past 4 years. 
I send money for rental apartment payment every month to XXXX. 
When my husband went to pick up the money from the same location Every month ... .today as of XX/XX/2018 I have sent the money online, And the transaction went through, got the Reference Number. 
When husband went to the Moneygram location in XXXX, XXXX He was told the money was not there. 
I called Moneygram immediately to inquire what was the problem ... 
I was informed that Moneygram was very uncomfortable to proceed With my transaction therefore they canceled it. 
They didnt give any reason why this action was taken so drastically. 
No warning, no explanation whatsoever they just closed my account and Told me I was no longer able to ever use any future transaction with Moneygram! They denied me service just like that!

I need their service to send Money for my husbands rental apartment! 
I really need your help in this matter why Moneygram denied me their service I did not do any crime, anything illegal, anything  wrong! 
I have been a customer of Moneygram for 4 years! 
I need a good explanation why they drastically canceled my Moneygram Account! 
Your promptness is greatly appreciated. 
Very respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I had the balance of my student loans forgiven through the XXXX XXXX XXXX XXXX XXXX. My federal loans were serviced through Mohela. 

I found out a few days after that I had actually overpaid, and I would be issued a refund in the amount of {$1900.00}. At the time, I was told to allow the refund XXXX business days to make it to me. 

As of now, XX/XX/XXXX, I have not received the refund. It is over 90 days at this point and I have called Mohela at least 6 times, getting a different and unhelpful answer each time I call. I am getting so frustrated as I know this money is rightfully mine and Mohela just continues to brush me off. Anything you can do to help would be so appreciated. 

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

The personal information does not belong to me. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1300.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Checking or savings account

ive revoked payment authorization and wells fargo refuses to listen to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Took out a loan with Wells Fargo. Rates should have been decreased. Credit should be paid in full and every payment was early.
Product: Student loan

MOHELA has not provided me with a sufficient answer as to why I did not receive a billing statement 21 days before the due date. In my secure inbox, I received a direct debit notification on XX/XX/XXXX for withdrawal on XX/XX/XXXX. MOHELA claims they sent it on XX/XX/XXXX which is completely false. This is a violation of the federally published 21 day mandate. 

Additionally, the direct debit statement, which is not a bill, did not include any information as to the interest amounts accrued with all fields marked as not applicable. 

How am I supposed to continue to make payments and plan when MOHELA obfuscates information, makes it impossible to understand interest accruals, and does not send out actual billing statements? A direct debit notice is not a bill. Additionally, only sending notices to the secure inbox is not useful. I requested to switch to paper and have not received a response.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3500.00} XXXX XX/XX/year>.
Product: Credit card

XX/XX/XXXX : Mats ordered online at XXXX 
XX/XX/XXXX : Mats received by me and immediately placed them into my vehicle and found they did not fit at which point I immediately contacted XXXX via email. 
XX/XX/XXXX : Emailed photos of oversized mats to XXXX. 
XX/XX/XXXX : Email from merchant : Our design team is currently reviewing the issue and we will be in touch with you if any further information is needed. 
XX/XX/XXXX : I requested status on my case from merchant. 
XX/XX/XXXX : From Merchant : I've received an update from our design team, and upon thorough examination of the photos, they acknowledged that the front row mats are unsuitable. 
XX/XX/XXXX : Emailed merchant : Ok, I was able to make the back work. Looks good. Now, can we please expedite the front? 
XX/XX/XXXX : Email from merchant : I am sorry for the late response. Our designer has added this to our reissue tracker, and they will soon begin working on the layouts and creating newly revised mats for you. I'll keep you updated and provide a tracking number as soon as it's available. 
XX/XX/XXXX : I requested status on my case from merchant. 
XX/XX/XXXX : Email from merchant : I'm currently waiting to hear back from our designer, and I've taken the initiative to send a follow-up message to request an update as soon as possible. Rest assured, as soon as I receive a response, I'll promptly keep you in the loop about the latest developments.

This is the last I heard from merchant. On XX/XX/XXXX I filed a dispute with Capitol One, my credit card company. On XX/XX/XXXX Capitol One requested further information which I provided. XX/XX/XXXX I received a response from Capitol One that they considered the dispute closed in favor of the merchant. I am out {$210.00} and left with merchandise that does not fit my vehicle. I hope your agency can help me out. 
Sincerely, XXXX XXXX
Product: Mortgage

Due to COVID Financial hardship, on or about XX/XX/XXXX, I applied and was approved by PHH for a 180 day forbearance as provided by the CARES ACT. I have attached a copy of PHH website page which contained the forbearance option along with the form. 
Still having financial hardship due to COVID and under the CARES ACT, I submitted an 180 days forbearance extension to which PHH denied my extension request - without any detailed written explanation as called out by Tenant, Homeowner & Small Landlord Relief and Stabilization Act of XXXX ( AB 3088 ) nor was I given my right to an appeal of said denial as called out by AB 3088. Instead I was thrown into a foreclosure trustee 's sale date of XX/XX/XXXX - the most darkest time of pandemic. PHH 's action will cause me and my family irreparable harm as if XX/XX/XXXX happens we will be homeless and exposed a to COVID related hospitalization and possible death. 

Pursuant to the extended California Homeowners Bill of Rights, I was never by PHH contacted to discuss possible foreclosure alternatives. 

PHH has continued to act above the law and trample by legal rights as a homeowner. In addition to the above listed unlawful activities, PHH as also violated state law and committed unfair and deceptive practices by charging me for unnecessary fees and overpriced force placed property insurance. Charging inflated and duplicative fees and not responding to fee disputes and/or a written accounting.
Product: Mortgage

Lender refused to issue Loan Estimate until I locked in an interest rate. Mortgage application was made on XXXX/XXXX/2015, I requested the Loan Estimate XXXX times. As of XXXX/XXXX/2015 I still have not received the Loan Estimate. Loan Officer stated that I will receive the Loan Estimate only after I agree to lock-in an interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without any written instructions