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

In XXXX, I made a purchase at XXXX and had the order shipped to a store in XXXX XXXX. I was notified by the store that the entire order had not shipped. I asked the store to refund the order as I no longer wanted it if the entire order was not sent. However, the refund was no processed for several weeks even though I never received the merchandise. Finally, on XX/XX/30, the store refunded the total purchase amount. I called onXXXX and asked Comenity to refund any interest and late fees as I was unaware the local store had not refunded back in XXXX. I was given a 1 time late fee refund but was told they could not refund the interest charge even though it should never have been charged if the store would have processed XXXX return back in XXXX and before closing date of the credit card. I would like all interest fees refunded on my XXXX credit card.
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. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 consum
er 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed from my credit report and placed back on my credit report without notice from the credit bureau. I disputed this account with all 3 agencies and was not sent any validation or verification coming back that this account belongs to me. This account was removed from each agencies. This account was placed back on by profile by XXXX and experian without notice to me and without validating this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TRANSUNION : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Product: Debt collection

Suddenly I received a letter for debt collection from XXXX. I have no clue where and what type this debt came from. I do not have a XXXX account. Nor have I ever made any transaction via XXXX.
Product: Mortgage

We got a letter in the mail from PennyMac ( XXXX XXXX XXXX XXXX XXXX, CA ), our new mortgage company that our information will be shared with other companies, including their affiliates and non-affiliate, unless we write a letter in opting out, or calling a XXXX number to opt out. 

The requirement of having a consumer take an extra step in order to opt out of sharing information is unreasonable. Majority of consumers do not have the time to read every letter that comes in the mail, not to mention the time to write in a letter, put in a mail, or make a phone call ( typically waiting for 20 minutes to just get through with some automated system ). The default should be that no information should be shared unless the consumer writes a letter in providing the consent. 

Please investigate this and protect our privacy information, not just about PennyMac but any loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan with TD Bank XXXX XXXX Account number : XXXX Name : XXXX XXXX Old Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Current address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL, XXXX Old phone number : XXXX Current phone number : XXXX ( only this number is in use from XX/XX/XXXX ) To whom it may concern, This letter is to explain my situation regarding my car was reprocessed and my and my husbands credit scores are hitting the bottom low. 
I have been working very hard to have a good financial life and maintain high credit rank. I bought my car in XXXX, using TD Bank auto loan. For the past XXXX  years, I had not ever paid late even once. I set up autopay with my XXXX XXXX  XXXX. For some reasons, the autopay was stopped from XX/XX/XXXX, which I had no knowledge of. At the same time, XX/XX/XXXX, we sold our old home and moved to our new/current home in XXXX XXXX. I also changed my phone number due to business need. I kept XXXX phones with me until XX/XX/XXXX, I called and ended service with number XXXX. 
I did not check the payments of the autopay thinking that everything was going well as it was supposed to be. Even with the hectic of moving and on top of that, we delivered our child on XX/XX/XXXX, I had never been late on my bill paying. All of my credit cards, utilities, and so forth are in good standing. On XX/XX/XXXX, I was furious when I found my car reprocessed. I had not receive any phone calls, emails, or letter about this matter prior to this event. 
In that same afternoon, I registered online account with TD and then paid off the car right away. The balance was only over {$2000.00}. I called TD bank on Monday, XXXX, around XXXX and talked to XXXX XXXX I asked why I did not have any mails or phone calls to inform me about the late payment. She told me that the bank mailed a letter to me in XXXX, and it was sent to XXXX XXXX, which is the house we sold back in XXXX. Apparently, they did not know where to send the letter, but know where to haul away my car. 
My credit score went to the bottom since. Even worse, my husbands credit score was also dragged down. He works for XXXX XXXX  XXXX and his score was all time high in the XXXX. Because of this, our family has been in deep stress. 
I sent a letter to TD Loan and about a month later, they said there is nothing they can do. 
This is my last resource. I am sincerely asking you to help correct our scores. I did my diligence of paying the balance right away when I knew that I was late. The late payments were not my intention nor within my knowledge. Please help me to believe in the system and that good people should not be punished. I am working so hard to maintain a healthy family physically and financially. I truly hope for your understanding and that you will help me to get out of this situation. Please let me know what you need and please do not hesitate to contact me anytime. 
My cell phone : XXXX. My email : XXXX. My address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL, XXXX Thank you for your time and consideration. 
Best regards, XXXX XXXX
Product: Debt collection

I had a missed call on my cell phone. I called back and a gentleman answered. I told him I had a missed call. He asked me if my name was - I said it was 35 years ago. He said Im with Citibank. We sent you a letter XX/XX/XXXX and you ignored it and you have a court date XX/XX/XXXX. I said I have no idea what you are talking about.. he got really nasty and said I CANT HELP YOUR XXXX. i hung up. I truly have no idea what he is talking about.
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Account # XXXX Date Opened XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Please assist. On XXXX XX/XX/2023, I requested from the bank holding my mortgage to provide the mortgage investor ( s ) 's information to include name and address, and copy of any of the investors rules or guidelines related to loan modification to be sent to me urgently in writing under the RESPA Act. 

I made this request to XXXX XXXX, aka XXXX, at XXXX XXXX, Request for Information, XXXX XXXX XXXX, XXXX, TX XXXX via XXXX regular and Certified Mail XXXX XXXX XXXX XXXX XXXX. 

They letter was marked as received on XXXX XX/XX/2023 at XXXX XXXX. I have not the information I am entitled to know under the RESPA Act as of today.
Product: Checking or savings account

On XX/XX/2023, my retirement check was auto deposited into my checking account and I transferred ( ACH ) money into my savings account from another bank I have. 

On XX/XX/2023, without reason, without notice, my account was restricted by Laurel Road, for no known reason and I've lost all access to my funds with no date given when I will have access to my account or the reason my account is restricted. 

NO COMMUNICATION and no way to access my funds or to resolve the issue!
Product: Checking or savings account

I filled a dispute charge on my debit card about auto repair with chase bank XX/XX/2019. 
Chase gave me provisional credit. 

After 90 days chase deducted {$200.00} out of my account and said that I owe chase bank. 

The mechanic replaced my breaks but in turn messed up my rack and pinion. 

I will not pay chase bank of this unlawful {$200.00} charge. 

Chase bank needs to be investigated.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XXXX XXXX, XXXX Balance XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX Late/ Closed XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXX  Late/ Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ccount XXXX XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Collection XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : $ XXXX Collection
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XX/XX/XXXX XXXX  XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXXBalance : {$2800.00} XXXX  XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I have had a loan with capital one since XX/XX/XXXX in the amount of {$38000.00} with a loan term of XXXX  months. My payments are {$820.00} monthly and my interest is at a 16.82 %. I have never been late on any payment up to date. XX/XX/XXXX I was discriminated against at my job and because of that I was fired. I called Capital One right after the holidays to see what we could work out. I was informed that they do not have a hardship program to help protect people in this situation. They offered to extend my grace period but because I am still trying to figure my situation out I couldnt guarantee to have my payment by the end of XXXX and this option wouldve cost me an added few XXXX dollars more on top of what I already pay. So they offered me a second option, I was told that they could extend the maturity of my loan and the payment for XXXX would be moved to the end of my loan to be paid and I could start fresh in XXXX with the payments because I had never been late on a payment and they would forgive the late fee because of me never being late on a payment. This option would not cost me any added fees. The only condition would be that I had to call once the payment was actually late. To which I agreed to do. Today XX/XX/XXXX I called Capital One again and spoke to XXXX explained the situation and what I was told and he basically said that the only option they could do was the grace period extension with a partial payment. I asked to speak to the supervisor because I felt he didnt understand what I needed. So he connected me to XXXX who identified herself as his supervisor. She too said the only option they had was the extended grace period and there was nothing they can do to change that. That I would have to contact case management which she connected me too. This person I never got the name because I was truly very upset and forgot to ask. But she basically said the same thing as the others. All they can offer was more interest collection on the loan which I feel isnt fair. Why would a company whom I have been working with to make sure my payments are on time every month doesnt have anything to protect people in this type of predicament. Why lie and say you had a second option and then turn around and say that the only option I have while being unemployed is to add more money to the loan. I am complaining because I will never again deal with this company ever again and people need to be aware.
Product: Credit reporting

My information was stolen in the certegy incident. There 's also items which keep getting reinserted to my credit report whenever a new debt collector buys the out of STAT debt. No investigation was even undertaken because the credit reporting agency is also doing debt collection, which would seem to be illegal and a conflict of interest ... I was never given any lines of credit since age XXXX.
Product: Mortgage

I purchased a home in XX/XX/XXXX. The original mortgage company was Total Mortgage. They sold my loan to XXXX XXXX XXXX. I made payments as they were due to whomever they were due to, as a matter of fact, some months I made 2 payments. I am currently paid up through XX/XX/XXXX in an effort to pay down my mortgage. 
I take my credit history extremely seriously, I am working 2 jobs and am going to school to obtain my XXXX in XXXX. If I can not afford something, I dont get it! To be told that I am showing up as past due in Total Mortgages system, actually makes my ill. 
If I made my payment to XXXX, as I was instructed to do, shouldnt XXXX reimburse them instead of saying that I am past due and owe them interest? I am not sure if his is a scare tactic, but its working. I reached out to my mortgage broker, and he is working on this, but I need help. We are talking {$1300.00} here, not a few dollars! 
PLEASE, please help meif this is happening to me, it surely is happening to others! 
Email below : -- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  ( XXXX ) To : Subject : RE : Mortgage Payment Information Good afternoon, I would like to apologize again for all of the confusion. I would like to explain what happened on our end since I am unsure of what XXXX stated when they initially reached out. 

Your loan was purchased by XXXX a payment down, therefore your first payments principal and interest was due to be kept with Total Mortgage your first mortgage payment was due for XX/XX/XXXX and your first payment due to XXXX was XX/XX/XXXX ). The P & I from your first payment were transferred to XXXX in error so your loan is currently showing as past due in our system. I received a copy of your payment history from XXXX on XXXX and it is showing that you are due for a XXXX payment ( *if you have made a payment since this date may differ ) ; since the funds from your first payment were sent to XXXX it technically pushed your due date a month forward being due for XXXX. 

The error came to our attention and we put in a request to XXXX on XX/XX/XXXX to get the P & I reversed back to your account with Total Mortgage. This would not affect your PMI at XXXX since the escrow from your payment was purchased by XXXX, however, it would bring you back to currently due for the correct month of XXXX. If the funds do get refunded to us at Total Mortgage, I will ensure with XXXX that no late charge is placed on your account if they do not receive your due payment by the grace period. 

Another option would be to set up a repayment plan for the P & I of this payment to be paid to Total Mortgage for your convenience. We can based this repayment around a time frame you request from 6-12 months. The amount due is {$1300.00} ( principal {$360.00} and Interest {$890.00} ). 

Please let me know if you have any questions and I apologize for any confusion and inconvenience again. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX x XXXX
Product: Mortgage

To Whom It May Concern : In your response to to the inquiries you received through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023, and the XXXX XXXX XXXX on XX/XX/2023, you stated, You want Caliber to take the payment as they requested, move forward with the request and remove the PMI retroactively when your initial request was submittedOnce we have the decision from the investor, we will respond with the decision and backdate the decision to when the initial payment was received, XX/XX/2023. Having accepted that your error caused an undue delay and therefore providing a remedy of retroactive removal. 

I have since received your letter dated XX/XX/2023 directly contraindicated the above text submitted through the Consumer Financial Protection Bureau ( CFPB ). Your letter dated XX/XX/2023 states, As the PMI decision is based on the receipt of the valuation, is the date of XXXX cancellation Caliber will cancel the PMI and will not cancel based on your request date. 

Again, your previous correspondence submitted to the Consumer Financial Protection Bureau ( CFPB ) stated that you accepted your error caused undue delay and you provided a remedy of retroactive removal to the date the initial payment was received, XX/XX/2023. I request that Caliber Home Loans take immediate action to resolve this issue by providing the remedy stated in their correspondece. I would appreciate a response to this letter within 10 business days, outlining the steps that you will take to resolve the situation. Thank you for your attention to this matter. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX of 2018 I was issued a new American Express Corporate Card ( AmEx ). On XX/XX/18, I rented a car and the car rental company charged my Corporate Card. When the statement arrived, I paid the amount in full of {$82.00} on XX/XX/18. 
An email statement was received from American Express in mid-XXXX with a {$82.00} balance. Immediately, I called AmEx to verify payment and they informed me the payment I previously made did not post to the account. After gathering info from my bank transaction, I contacted our corporate administrator and after some research, the administrator informed me I paid the amount to my previous American Express Corporate Card account. 
On the same day, I contacted an AmEx representative, was informed AmEx could not either apply the amount from the old account to the new account, nor are they able to electronically transfer the funds back into my bank account and working with a representative, a check was going to be mailed to me for the balance of {$82.00} from the previous card. 
On XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18 I contacted AmEx because I did not receive the check.