23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I went to make a payment of {$24000.00} on XX/XX/23 and got a confirmation email from my company AidVantage. The payment was posted on my account and then a few days later there was a payment reversal from the company and the balance was added back to my loan. All of my bank account information was correct this is an issue a lot of people are having.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> Monday called good leap to make payment for the month of XXXX on credit card. I explained to the customer service rep that I did not receive a statement. and do not know why because the initial statement was sent. The customer service rep could not explain why a statement wasn't sent. The customer service rep moves forward to take payment. Gave him the card information to post payment. Next, the rep question if I wanted card store. I told him to store it however do not set for auto pay. Next the rep returned to the phone and said he will not be able to store or accept card due to its a credit card on this account. I responded and informed him the vendor XXXX never told me that the loan provider good leap doesn't accept credit cards. I informed rep to start the Loan process a credit card was used. I as the consumer feel it is unfair for these vendors to not inform the consumer, they don't accept payments by a credit card. My area is in a State of Emergency due to XXXX XXXX and monies are being spent to cover home damages and debris removal. However, vendors are not accepting payment from the consumer that is making effort to pay bill and is rejecting it. That is a placing the consumer in a financial hardship. Secondly, I have called their vendor XXXX at least six times in regard to installation problems on a Brand-new air condition in which good leap funded through a loan program. Have not received the full service from a brand-new A/C system and yet I the consumer is trying to make payment under hardship and because it is not their approved method to pay on the account all of a sudden and my account Payment is rejected.
Product: Checking or savings account

On XX/XX/XXXX I reached out to someone selling a XXXX XXXX XXXX on XXXX for a decent deal ( {$180.00} ). After talking to him shortly, I was comfortable enough and seemed trustworthy enough to purchase it. He sent me an invoice, I sent him the {$180.00} and he said he would get me the shipping information when he shipped it, he claimed 3 hours. 

3 hours went by, I checked in with him and realized that he blocked me on XXXX. Realizing what happened, I immediately contacted XXXX support, to find out that they could not help me due to them " not being responsible '', said that they could not do anything once the money has been sent, etc. - despite claiming that their transactions are all protected. This whole conversation is over text and can share if need be. 

After talking to XXXX and realizing that they would not help me, I contacted Bank of America by phone ( since it was still pending in my transaction logs ), they informed me that I need to wait until it processes and then open a case on the web. This was XXXX XXXX, I forget exact the date. 

As soon as it shows up as processed in the BoA transaction log, I opened a case sent the information to BoA and explained what happened. They refunded the money initially and I stayed in contact with them, then just Thursday, XX/XX/2021 they took the money back out of my account and closed the case telling me that they sided with XXXX XXXX. 

I used my BoA VISA card for these transactions and was under the impression that this type of scamming was protected by XXXX, or at the very least VISABank of America ( my bank ). 

Bank of America , VISA & XXXX XXXX are seemingly all platforms that support scammers and do not support the " purchase protection '' that they all claim. This should be, at the very least, known to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in  XXXX  are the ones I did not authorized.
Product: Credit reporting or other personal consumer reports

NOTICE * XXXX XXXX XXXX XXXX * NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to SPRINGOAKCAP that your institution has not conformed and is currently reporting to the credit bureaus in non-compliance with the following XXXX XXXX XXXX XXXX statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from your institution as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out of my personal information from being shared w/ 3rd parties. So why does SPRINGOAKCAP, a non-complaint institution, continue to report negatively on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the XXXX can be proven and substantiated, I DEMAND that SPRINGOAKCAP PERMANENTLY DELETE the following account ( s ) within 24 hours and forward to me on company letterhead proof of this occurrence to the address above. 

By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ).
Product: Mortgage

We applied for HELOC to refinance credit card debt. An off site appraisal was performed mid XXXX. The report was unexpectedly low. Upon further review of the appraisal, they only reported the presence of XXXX bathroom. But the house was built with XXXX full bathrooms and XXXX half bathroom. I immediately called the person working on my loan application to let her know there was a significant error. 
I provided pictures of the bathrooms and a previous on-site appraisal. She initially agreed to a second inspection on site. The process was delayed due to a previous lenders clerical error to submit a mortgage release letter. Once the letter was submitted, we agreed to schedule the on-site appraisal. However once I submitted the mortgage release letter, within XXXX hours they closed the application and declined my application based on the erroneous value provided by the XXXX bedroom XXXX bathroom appraisal. I was told they can not reverse a decision once the application is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed paid released tax liens that were ony credit report and they were removed. A copy of an updated credit report was sent to me. I went on the Credit Bureau 's website to check my credit score and saw that the items were put back on. When I spoke with a customer representative he advised me that it was never removed and would be on there for 7-10 years. I told him I had a copy of my credit report with the items deleted and was told I did n't and it was never removed. He then continue repeating that it would be on there for 6-10 years before being deleted.
Product: Credit card or prepaid card

On XX/XX/XXXX I requested 2 new cards for both of my Fortiva credit card, and retail card accounts. XXXX and Kansas delayed issuing both the cards for 1 month and a half. While they ignored ordering the card my balances kept being depleted as if they had the card themselves after every payment. The available balance would disappear. They put in another order XX/XX/XXXX and again no cards were sent for both accounts yet my available balance kept disappearing. It is not XX/XX/XXXX. I again requested 2 cards for both accounts and none arrived yet they kept apologizing in the chat when I ask for it.
Product: Credit reporting, credit repair services, 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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing in response to your recent communication dated XXXX XXXX, in which you failed to provide the requested documentation or address the specific issues I raised in my dispute. On XXXX XXXX, I submitted a formal request for information and documentation regarding. However, your response did not include the necessary documentation or a proper resolution of the matter. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ), you are required to investigate the dispute within 30 days and provide a response containing the requested information or a proper resolution. Additionally, if the information can not be verified, it must be corrected or removed from my credit report under 15 U.S. Code 1681i ( a ) ( 1 ).

Despite my clear and specific request for such as account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, etc., you have failed to provide this information in your response. This lack of compliance with my request not only delays the resolution of my dispute but also constitutes a violation of my rights under the FCRA.

Please consider this a formal notice of non-compliance. I request that you immediately provide the following documentation : 1. Account statements, proof of payments, proof of compliance with the billing cycle, 1099-C form, Debt Validation, copies of the billing statements showing the late payment, payment history, etc. ] 2.If you can not provide the requested documentation, you must remove or correct the inaccurate information from my credit report, as required by law. Please be advised that failure to provide the requested documentation within 10 business days from the receipt of this notice will leave me no choice but to escalate this matter. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies for violations of the Fair Credit Reporting Act.

I expect to receive the requested documentation or a proper resolution of the dispute within the next 10 business days. If this matter is not resolved in that time, I will take further action as necessary.

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX old son 's SSN was used to obtain insurance. XXXX of Arkansas ignored me about it and answered my complaint only when I filed a XXXX complaint against them. They said that it was just a typo but I need to get his credit report to make sure since they had my son 's social registered to another man. My son is just XXXX years old. I need help because Experian has so much red tape involved to getting his credit report.
Product: Checking or savings account

Hello. I am so frustrated. I have been a member of Chase bank ( or its prior owners ) for almost 40 years. Every month I deposit checks of {$4000.00} - {$6000.00} to cover my bills and auto payments. On XX/XX/XXXX I deposited a {$5000.00} check and received written confirmation that the funds would be totally available on XXXX. My mortgage payment drafted on XXXX and Chase sent me notification that they decided to place a 10 day hold on this check. They bounced my mortgage check. I tried to call and waited 3 hours on Friday XXXX and finally hung up. I tried again later that day and hung up after 2 hours. I tried to find a place online, but they said they wouldn't return email messages for at least 7 days. Today ( XXXX ) I woke up and called and after 45 minutes got a real person. She was sympathetic but told me it wasn't her department and transferred me to the check hold number. She also gave me the direct number ( thankfully ) After 50 minutes I was bounced off the call. I am currently 55 minutes in to my next hold ( they said 15 minutes ). The money was drafted from my checking account on XXXX and now I have no access to these funds and nobody to talk to. My mortgage has been bounced and any other drafts cant be stopped at this point, so will likely also be bounced. I cant believe they can send me notice that the funds will be available on XXXX, and then change their minds? 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the XXXX Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the XXXX credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; 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 reporting or other personal consumer reports

I noticed that an account from XXXX XXXX XXXX ( XXXX ), which was previously deleted from my credit report after being disputed as fraudulent, was reinserted by TransUnion. This account was originally removed because it was determined to have been opened fraudulently, as reflected in the dispute results I received. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to notify me within XXXX business days of any reinsertion of previously deleted information. The law requires this notification to be provided either physically ( in writing ) or electronically if I have agreed to receive electronic communications. This notification must include : XXXX. A statement confirming that the disputed information was reinserted. 
XXXX. The name, address, and phone number of the furnisher of the information. 
XXXX. A notice of my right to add a statement disputing the accuracy or completeness of the information. 

I did not receive any such notification in writing or electronically within the required timeframe. I have not agreed to receive electronic notifications, so I should have received this notification physically by mail. The failure to notify me of this reinsertion violates my rights under the FCRA. 

Furthermore, the reinsertion of this account suggests that TransUnion failed to adequately verify the validity of the account before allowing it to reappear on my credit report. I am formally requesting physical proof that TransUnion complied with the FCRA notification requirements within XXXX business days of reinserting this account. Specifically, I am requesting : XXXX. A copy of the notification sent to me, including the date it was sent. 
XXXX. Evidence of the name, address, and phone number of the furnisher of the information provided in that notification. 
XXXX. Documentation showing that the reinsertion was based on valid and verified information. 

If TransUnion can not provide this proof or if the reinsertion was not handled in compliance with the law, I am seeking the immediate removal of this account from my credit report. If this matter is not resolved promptly, I will explore further legal options, including seeking damages for non-compliance with the FCRA.
Product: Credit card

There were two fraudulent charges made on XX/XX/XXXX for {$53.00} and XX/XX/XXXX for {$35.00} by XXXX XXXX. 
I reported to Chase credit card for review on XX/XX/XXXX and I was told not to make a payment. 
Since then I have called Chase for update 6 times and nothing has been done. My online account has been blocked and receiving emails for past due payment which is hurting my almost perfect credit score ( XXXX ). 
I have been living overseas since XXXX and very costly to make international calls. They continuously tell me to wait 48 hours for review but its been 3 months of waiting. Please help me resolve this issue with Chase credit card. Thank you very much
Product: Money transfer, virtual currency, or money service

I had money on my account I still cant touch or see my account got hacked about a year ago and with Zelle I have faced so many problems over XXXX XXXX dollars gone and I have no way of gaining neither the money or my account back with no help from Zelle at all.
Product: Debt collection

On XX/XX/XXXX, I was lied to by salesman from XXXX XXXX XXXX who said they were from my alarm co. XXXX. I tried to cancel the contract within Or 3 day period but XXXX blocked our PH. # for 30 days. XXXX ( after being exposed on TV on XXXX. for their business tactics ) filed bankruptcy and changed their name to XXXX. The contract I signed had a provision that unless the company was notified before 30 days the contract would auto renew. I was sent a bill {$590.00} which was too high for the remaining term of the contract. In Ph. conversation with a company rep., the amount owing to XX/XX/XXXX was $ XXXXI sent my check for {$390.00} with a written cover letter ( written the co. bill page ) explaining that this payment completed our obligation for contract & noted same on check. I kept receiving due notices for an additional {$190.00} ( 4 mos. past the mo. contract. Numerous information on returned overdue copies elicited no response from XXXX. they have now hired a collection co. Hillcrest-Davidson . I will send in supporting information when I have a case #. Thankyou for any attention & support or advise you can supply
Product: Credit card or prepaid card

BJ 'S Capitalone credit card is holding and recording my payment until the past due date and charging me interest and penalties. I think this practice is illegal. 
I called them and they fixed it but tell me this is OK for them to do.I disagree.

I think you should look into this matter because others may not be as vigilant as I am.
Product: Credit reporting or other personal consumer reports

There is an account that appears on my credit report that should be off as per FAIR CREDIT REPORT ACT after 7 years to come off. The account is with XXXX XXXX and was sold to XXXX XXXX. This derogatory account should not be reported per FAIR CREDIT REPORTING ACT.
Product: Debt collection

XXXXXXXX XXXX XXXXXX/XX/XXXX convergent outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in accordance with the Fair Credit Reporting act Convergent Account # 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Reference # : XXXX XX/XX/XXXX Amount in Dispute {$1000.00} Originator : Hospitalist Medicine Physicians of California In XXXX I had XXXX XXXX XXXX. All medical bills including this XXXX were paid by XXXX Parts XXXX and XXXX plus XXXX XXXX XXXX through XXXX XXXX Plan which this bill originated from XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX that same year. Both locations are in XXXX, California XXXX. I have not heard of any further bills I owe to any hospital and now XXXX years later I get a bill from Cascade Receivables Management LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is XXXX.
Product: Debt collection

I have made multiple attempts to have Portfolio validate this account. I never got the notification they said they sent and after 3 CFPB complaints then they magically have the notification document and an attached letter they claim was done by XXXX which looks created and not legitimate at all. I have also tried to reached XXXX directly and I have gotten no response. 

Letters sent to Portfolio XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX with a Cease letter on XX/XX/XXXX CFPB complaints XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX - XX/XX/XXXX # XXXX - XX/XX/XXXX # XXXX They have not answered my questions or request as it is required by the FDCPA and the FCRA and continue to report a disputed date without verifying the information. 

-no license provided -no explanation of the charges Bill statements for with due date of XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX with nothing from XXXX then just to XX/XX/XXXX - XX/XX/XXXX -No documentation showing I even own this just a bill no signed agreement -doctored letter made from original creditor and creditor has not responded to my letters -Continuously to report a debt without validating it Every response is the same computer generated response of " verified '' This does not belong to me and if there is no documentation provided and no response from Portfolio with this information or XXXX this account needs to be removed from my credit report immediately. 

XXXX, XXXX and XXXX  also have not provided me with any proof of any documentation that this was ever even mines