23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I bought a skrill card which never worked. I asked them to refund it and they locked me out of my account and are refusing to refund the card. They sent me this email which is complete nonsense. 
Dear XXXX XXXX, Thank you for contacting us. 

Regrettably, during a recent audit of your Skrill account, we found reasonable grounds to discontinue our business relationship. Therefore, your account has been closed. Please note that this decision is final.

For more information, please refer to articles 4, 4.5, 11, 11.4, 16 and 16.4 of the Terms and Conditions you accepted when you registered.

We are sorry to inform you that we are not able to comply with your refund request at the moment. 

Thank you for your understanding! 

Best regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information Under 15 USC-1681b, Request for Blocking Under 15 USC-1681c-2 and XXXX Account Name : ( XXXX XXXX  ) Account Number : ( XXXX ) Date of Reporting : XX/XX/XXXX Description of Inaccuracy : Under 15 USC 1681b, consumer reporting agencies must ensure that the information they report is used for permissible purposes only. I am disputing the accuracy of this information as it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b.

As per FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written and unwritten, verbal and nonverbal per 15 USC 6802.

Additionally, I suspect that this inaccurate information maybe a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwriten verbal and non-verbal per 15 USC 6802. 

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

Experian is reporting an alternate SSN tied to my information : I contacted them and provided them a photo copy of the ONLY SSN I have ever had ; nothing was done to fix it or show in their investigation a status of fixing it. They should not be allowed to list an invalid and never owned SSN on my credit report It is listed as : Social Security number variations : XXXX Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$490.00}, for close to 12 months now due to inaccuracies and incompleteness. First, despite three certified validation letters to XXXX  they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report is a mystery. Regarding this account on my Experian credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to XXXX regarding these inaccuracies and incompleteness but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent Experian credit report ( XX/XX/2023, Report # XXXX with exhibit XXXX {$490.00} ) for this account as evidence of these FDRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine twhen this account will fall off the report. The report is also missing the Accounts Charge Off Amount and Close Date, and the Payment History is also missing key portions of data.
Product: Student loan

I called NelNet on XX/XX/27 to ask for a refund of payments made on my account during the pandemic per the CARES act law. Customer service told me they would submit a written request and I would see a check in the mail in 4-6 weeks. On XXXX I received and email from nelnet saying my refund was denied due to missing information and to email support or call for more information. I emailed them back and it came back as invalid and I noticed the email address they provided me was not spelled correctly. I fixed their spelling error and asked for more info, to which as of today, they have not replied. I called NelNet on XXXX for clarification and they told me they forgot to get verbal confirmation to reinstate my loans and would submit another request. I asked if that would start the process again. They said yes and that I wouldn't be notified if it was processed for another few weeks. She said this has been happening for a lot of people. NelNet seems to be purposely delaying getting people their refunds and have not been following the correct protocol in completing these requests.
Product: Payday loan, title loan, or personal loan

On XX/XX/17, XXXX XXXX XXXX ( us ) paid XXXX XXXX XXXX the amount of {$3200.00} ( check # XXXX ) to payoff loan for XXXX XXXX XXXX XXXX. As of this date, we have NOT received the title. I run a XXXX and XXXX still shows as lien holder of the vehicle. We have tried several times to contact XXXX and request the release of the title and they keep telling us that the title was released. When we ask to speak to someone in the title department, they say we can't talk to anyone from that department, that we need to leave a message for them.
Product: Credit card

I filed a complaint against Synchrony of what I believe was a violation of Anti Trust Law. I have faithfully paid my account monthly and now that I am in a place where I can be a bit more aggressive with paying my balance down they lowered my balance {$100.00} above the amount that I paid! This in return would cause my utilization to max out and I did not feel that was ethical! They claimed they did so based on my credit and since Ive been doing this across the board there is no way possible that they lowered my limit based on all my cards being maxed! I logged in online to pay my bill before the due date only to be locked out! I called customer service and I was told based on my credit report my card was closed on XX/XX/XXXX. Now please check and see when my initial complaint was received and this will show clear retaliatory behavior which I believe was retaliation for filing my initial complaint! I due to plan to contact my attorney on the matter. Im appalled that Synchrony would respond this way having never missed a payment or defaulted on my card agreement!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling Equifax regarding this issue. But there seems to be a serious bug. My updated electronic report has not been available from equifax online for nearly two months. My bank has attempted to view my report for mortgage and I also have tried through the online service that I pay for. I continue to get error messages stating that my report is either unavailable or two new to generate a score. I know i have had credit for over 20 years. something is terribly wrong. I even received a call from experience stating that they tried pulling all three of my reports in order to update my subscription for credit monitoring, but that my equifax report was producing an error. I have no problem receiving a manual hard copy of my report, but i am unable to receive an electronic report via my lender, credit monitoring agencies, or directly. 

I need equifax to look into this matter again for the third time and reset my report. Thats the best way I can describe it is i need them to reset my report. my credit card companies are not able to give me a refresh of my monthly equifax score due to this unexplained error. 

I logged into the equifax trueidenty data help and still unsuccessful with obtaining an updated report and or score. There is an unexplained Error that restricts this info. It 's not a fraud alert or credit freeze. It is a credit release or view error. I called equifax and was told that I should have lenders call them and use the business side of request. This is an unexplained process and I should not be limited from services that I pay for or request when it comes to my report and score.
Product: Credit card

This is a XXXX complaint on CFPB CaseXXXXXXXX. I received the letter dated XXXX/XXXX/15 reflecting a balance of {$3700.00}, Synchrony said they had credited the account due to customer service and goodwill. We immediately paid this balance of {$3700.00} on XXXX/XXXX/15, to be 100 % finished with this company. Today on XXXX/XXXX/15 I received a statement showing a payment of {$3700.00}, than a {$25.00} late fee was applied for not making a payment on XXXX ( I was in a dispute with them ... seriously why would I make any payment until I heard their response ), also there was an additional {$220.00} interest applied AND a new balance of {$6600.00}!!!!!! I am so upset and would NEVER recommend a person to open a care credit acct with Synchrony!!! The balance ( proof in their document in response to my original complaint ) was paid off and I want a new statement mailed reflecting a XXXX balance. This is absolutely ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to report my positive credit history on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Passport for identification purposes so the bureau will investigate my complaint. ) I have contacted the bank and I was told by a representative that they do in fact report positive credit history to all three ( 3 )  bureaus. Experian is failing to their job and report this credit history. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I respectfully request that Experian report this positive payment history. I have contacted the bureau to fix this however, I have not been successful.
Product: Credit card or prepaid card

I have two transactions that have been held since XX/XX/XXXX by American Express Bluebird. There are two transactions {$34.00} and {$230.00}. Both transactions were for two separate hotel stays. The hotel has reconciled BOTH stays and charged the stays under " XXXX XXXX '' which is their payment processor. I was advised on XX/XX/XXXX by a representative at Bluebird that a letter on the hotel letterhead was needed to have the hold released. They said they would not accept the hotel receipts on letterhead as proof to release the hold and that someone from the hotel staff would have to email a letter on their letterhead from the XXXX domain to have the funds released. The front desk manager as well as the General Manager for the XXXX XXXX and XXXX XXXX in XXXX XXXX, TX have emailed this information three times. 

On the evening of XX/XX/XXXX, I spoke with agent XXXX at American Express Bluebird who was rude and did not help to resolve my concern. I was told that it would take 30 days to release my hotel transaction which is not true according to their own policy that states that funds would be released after the 7th day. The 30 day hold applies to rental car agencies by definition of American Express ' own policy. 

The ambiguity of their policy is misleading and deceptive to customers.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent accounts on my report. I want these accounts removed. I am in the process of getting a home and this is effecting my credit. Thank you!
Product: Debt collection

Chrysler capital has opened and closed my account many times just to keep this debt on my credit, they also are showing that this debt was set on 84 months and that loan was a 72 month loan. They are also stating that the last payment was in XXXX and the last payment was in XXXX. This account has been closed 7 years and I have disputed this account many of times. They charged this debt off in XXXX and it should have been removed from my account this year ( XXXX ) but it hasnt been able too because Chrysler capital has made failed statements on my credit about the account for it to remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
9. Validate Account Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

After  XXXX  years and  XXXX  months,  XXXX  sold our 15 year, fixed-rate mortgage to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  effective   XXXX   XXXX   XXXX    .  XXXX  sent us a NOTICE OF SERVICING TRANSFER dated  XXXX / XXXX /  XXXX   and we received it the following week.  XXXX  sent a SERVICING TRANSFER NOTICE dated   XXXX   XXXX   XXXX   that we received on or about   XXXX   XXXX  . Both the  XXXX  letter and the  XXXX  letter indicated that ACH payment arrangements would continue without interrruption. Our payment arrangement with  XXXX  from the time that the loan was originated until the sale date was half payments deducted by  XXXX  withdrawal from our checking account on a biweekly basis. After being unable to register our account on the  XXXX  online system between   XXXX   XXXX   and   XXXX   XXXX      XXXX  , I called  XXXX  Customer Service on the afternoon of   XXXX   XXXX   The recorded message said that the account information for newly acquired mortgages would not be availble on the online system for  XXXX  days but that payments must still be made in the interim as their   XXXX   letter also said. However,  XXXX  did not provide any information about the amount of the payment due or the due date. The customer service agent was able to look up our account in a separate system for newly acquired mortgages. He told me that this transition would be " smooth '' and specifically that my payment arrangements would continue as with  XXXX . He specifically told me that the first ACH transaction that  XXXX  would have processed on  XXXX   XXXX , would be delayed until approximately  XXXX   XXXX  and that regular biweekly ACH withdrawals would resume on  XXXX   XXXX . He told me that no action was required on my part to authorize this. The agent also told me that we would receive a phone call about  XXXX   XXXX  orienting us to  XXXX  and its customer service, but did say that if we had n't heard from them by about  XXXX   XXXX , that I should call back. By  XXXX   XXXX , no ACH withdrawal had taken place and no phone call had been received. On that date we received a letter from  XXXX  informing us that  XXXX  did not offer the payment plan that we had with  XXXX  and that we would have to authorize a new ACH withdrawal. We were able to register our account onine on  XXXX   XXXX  and authorize a new ACH transaction, the only option was a single monthly transaction, contrary to what I was told directly by the agent on the phone on  XXXX   XXXX . I believe that  XXXX  has deliberately provided false and misleading information and is acting in bad faith. I advise anyone whose mortgage was recently acquired by  XXXX  to document all contacts and retain all written correspondence. Consider hiring an attorney if you think that is warranted.
Product: Mortgage

The XXXX XXXX XXXX, XXXX. was appointed successor trustee per the attached documents, to perform a foreclosure on my home. ( See CFPB Complaint # XXXX ). However, when the XXXX XXXX XXXX, XXXX, discovered that it's client, XXXX XXXX XXXX XXXX XXXX did not have legal standing to pursue foreclosure, because the Deed of Trust, c/o XXXX XXXX XXXX XXXX XXXX XXXX  XXXXhat undergirded the foreclosure was void ab initio in that the Deed of Trust contained what purported to be my signature, when I was not on the Promissory Note. As such, XXXX XXXX XXXX XXXX, XXXX, abandoned the foreclosure. Then, XXXX XXXX XXXX XXXX XXXX reinitiated a foreclosure on my home ; however, this time, with Millsap & Singer, P.C., as successor trustee, who commenced yet another foreclosure. Millsap & Singer, P.C., committed serious breaches of the law when it commenced a foreclosure when it knew or had reason to know that its client, XXXX XXXX XXXX XXXXXXXX did not have legal standing to pursue foreclosure because the Deed of Trust that undergirds the foreclosure was not valid, by containing my signature when the accompanying Promissory Note did not contain my signature. 

Please refer to the attached Index of Exhibits that provide the legal basis to support the allegations contained here.
Product: Credit card

I have filed numerous complaints about not being notified of limit decreases on my card ending in XXXX. I have tried to obtain copies and in the past couple years and they just denied me. 

Most recently an executive contacted me and told me she found the letter dated XX/XX/XXXX and sent a copy. I NEVER RECEIVED THE ORIGINAL LETTER. In speaking with her she said that I received it digitally. I DID NOT. When I asked them to send a copy of the electronic notification, they are telling me I need a subpoena. Citi is likely using an internal policy to avoid compliance due to their failure to send it. I have checked the U.S. C ss 7001 and they are required to send it to me. 

I want a legal basis for their rejecting my requests. I will NOT send a subpoena and will go the attorney general if they fail to comply. This is my personal information, and I am entitled to receive it. 

Please refrain from mentioning that I would like my accounts restored. I just want proof that a letter was sent.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require the removal of incorrect accounts from my credit report. Could you look over the documents? There are discrepancies in the reporting, amounts, and dates of some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

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

I made a error transferring etherium to Gemini and used the wrong network. The transaction is showing as in the waller address on my gemini account. I have attempted to e-mail gemini for help but quite a few days later I have not received a response and upon calling Gemini they will not deal with me only on E-mail which despite their website asking for 24 hours notice have not responded. 

I require my private key so i can transfer this mistaken money back out of the wallet or the bsc deposit sending back to my other wallet so i can correctly deposit the funds, Gemini 's own faq does say that they can provide private keys upon request but I am not bothered if Gemini send the etherium back the wallet it came from or provide me with my private key so i can do this transaction myself. 

The blockchain path is XXXX : XXXX MY gemini wallet showing the stuck etherium https : XXXX The wallet i sent from https : XXXX Gemini E-Mail XXXX Thankyou XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " XXXX XXXX multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " XXXX XXXX '' is reporting a false missed payment on my report. I called " XXXX XXXX '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of XXXX XXXX and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " XXXX XXXX   again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " XXXX XXXX  kept reversing my payments. The Creditor " XXXX XXXX is giving me a hard time, i  am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.
Product: Debt collection

I moved out of an apartment in XX/XX/2020 ( under Covid regulations ) and completed a walk through with the management who informed me I had a XXXX balance. 
I received a letter from the apartment a week later confirming my XXXX balance. 
XXXX months later the apartment changed management and new management stated they sent me the letter and XXXX balanced my account on accident. They now state I owe XXXX. 
I informed them that my account had been settled and verified the letter they sent. They confirmed they sent the letter. 
XXXX XXXX, XXXX XXXX ( the apartment ) sent the account to collections. I notified the collection agency that the debt was not valid and sent them documentation. They confirmed they received and said that XXXX XXXX told them the letter was a " mistake ''. ( they do confirm they have the letter ) Collection agency ( Fair Collections and Outsourcing ) then asked me to send more documentation. I already sent the XXXX balance letter. 
Just because a company decides to change their mind later after declaring a XXXX balance does not validate the debt. This is fraudulent at this point as I do not owe the debt.