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

Capital1 pottery barn rewards card. 
So company will always send a statement notification if I owe them money. ( I am set up for email notifications but there is not an option for any notification related to rewards. ) The company did not send any notification when rewards were going to expire so essentially taking my money/value without a proper ( or any ) notification. 
Had I known that {$660.00} would reduce to {$0.00} I absolutely would have made use of the rewards. 
I can only imagine this practice has resulted in $ millions of dollars taken from consumers. 

The agent on the line didnt have easy access to see past history to show activity. My experience is that cap1 sends you to pottery barn and pottery barn sends you to cap1 and round and round. The agent also said she didnt have an escalation process. 

I have the statement that shows the rewards. ( Can provide if needed ) Also the statement doesnt clearly show that the reward is expiring-you have to go to small print to get link to go to another site. 

Spoke to XXXX-nothing they can do. She ran past lead XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Product: Credit card or prepaid card

I have contacted the XXXX  about Wells Fargo not going by a fraud alert that they dismissed when someone tried to get credit in my name. They have supposedly been looking into this for over a month now but their fraud dept can not explain why they didn't call the number on my fraud alert which is with ALL credit bureaus. I want this hard inquiry removed as I did not apply for credit with them. REMOVE from all 3 bureaus.

I ONLY knew of this issue because XXXX XXXX told me they pulled and I was sent a denial letter when I never applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Experian. The complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX  ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and corrected for 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Transunion separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX : XXXX XXXX, 2022 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Product: Credit card or prepaid card

i filed a police report for unauthorized transactions id theft n its been over 90 days i havent got credit yet boa edd
Product: Mortgage

I've been requesting payoffs from this horrible organization since my father passed away on XX/XX/year>. They delay so long in answering questions and give false responses so often that we can't figure out how to pay off this loan. When I finally get a pay off the payoff isn't good for long enough to get the closing done and the money wired. Their misinformation, bad phone numbers, and automated answering services seem to intentionally hold up the process. They are making so much money by taking advantage of people and making it hard to navigate their system. 

We've had a closing and the attorney has sent payment but they responded by fax requiring more money. The company is CARRINGTON Mortgage Services , LLC . 

Stay away- they aren't worth it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts and inquiries below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : 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 Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy.

15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 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: Student loan

During the period of XXXX, I had numerous telephone conversations with Navient regarding my signature student loans by talking to managers and collections department and education department. I also sent a letter to Navient credit department requesting to remove all late pay during the forbearance period of XXXX. They did not respond to any of my calls in writing or by phone. I had to call them and they said they did n't receive the letter which was sent Priority USPS. A couple days later they admitted to getting the letter and said legally they could not remove the late pays. I am on XXXX Social Security. The repayment loan they requested was not in the means of my income up until XXXX/XXXX/XXXX. They lower the payment to {$160.00} per month over a 20-year period. They take this amount out of my checking monthly. In XXXX, they did not sending any correspondence regarding the loans. In XXXX, I was dealing with the inadequate training of their personnel telling me the loans would be discharged. I had to resend all paperwork in XXXX regarding my XXXX and work on a payment plan sufficient to my income. 
They have reported late pays on my credit report. During the above period I am requesting that all late pays be removed so I can get a home loan which is already in process but being held up do to Navient.
Product: Credit reporting or other personal consumer reports

I was contacted by the XXXX XXXX XXXX XXXX about being hacked or third party intercepted and have had non-stop repeating of personal purchases and nature of my income and perhaps internally some type of interaction occured with The XXXX Ohio XXXX XXXX Department and some inappropriate release of Health Hippa information and banking details ongoing. I was not offered any free credit monitoring nor was I allowed a advocate to assist me if I need small financial assistance or advice. Complete strangers called XXXX  has taken over here in XXXX and alledging heavy privacy issues suddenly and public information. Some of it is of a XXXX nature, weight, health insurance, and recently when calling into the XXXX XXXX XXXX  here at this location, the call center person repeated what was in my bank account.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year>, I received a letter from LightStream. They were writing about a loan request and said they needed more information to process the loan. 

Reference number XXXX I want to confirm that I did not submit this application. It is a fraudulent request made by someone who has stolen my personal information. 

On XX/XX/year>, I emailed LightStream to report this matter. I received an email reply that said my application has been escalated to the Fraud and Dispute teams for further review. That was the last I heard from the company.
Product: Credit reporting or other personal consumer reports

I have diligently contacted your organization multiple times to dispute the fraudulent items on my credit report. These items are not a true representation of my financial history and have caused significant harm to my credit score, making it difficult to obtain loans, secure favorable interest rates, and meet my financial goals. 

I have attached the following supporting documentation for your review : Copies of all correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence proving the fraudulent nature of the items, such as police reports, affidavits, or other relevant documentation. 
Any documentation highlighting my responsible financial behavior and positive credit history. 
Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. 

I am formally requesting an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX OF XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$6800.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Product: Credit card

On XX/XX/year> I was denied for a card I didn't apply for
Product: Credit reporting, credit repair services, 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. 
XXXX  Account # XXXX XXXX XXXX XXXX, & XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Debt collection

Wednesday XXXX/XXXX/XXXX, I received an automated call to my cell phone from XXXX XXXX XXXX. The recording stated a complaint has been filed against me. " I have been retained to serve you at you residence or place of employment ''. The automated recording gave a " File Number '' XXXX, then stated that I have been officially notified. I called and spoke to a man who stated that I 'm being charged with breach of contract and attempt to defraud a financial institution. They 're stating that I owe Chase Bank {$3400.00} and they are pursuing me. They 're offering {$1200.00} to settle and dismiss the case. I HAVE THE CALL RECORDED!
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies that report to my credit account has tremendous stress in my life! Its causing me some serious damage to my well being! My finances and mental state are in shambles because of this! They broke the law when they reported the amounts without notifying me first of any sort and as a result Im unable to purchase anything because of these reports! 
All documents where sent XX/XX/2022
Product: Student loan

On XX/XX/year> paid my loans in full a total of {$6400.00}. This was followed by a statement from edfinancial of being paid in full the following month ( attached below ). In XXXX, my account was drained a total of {$6700.00} for the initial amount plus interest accrued and the money that was paid was then deemed reversed by the system. The reversed money was never and no notice was sent about the change in the account until they sent me late notices. After months of multiple inquiries with their service department I have received no information nor refunds for the money I was double charged or information as to why I after being given notice I was paid in full, the money withdrawn from my account and a XXXX balance that they put the balance back, added interest and then charged me again without a refund. 

For context as well, the account attached was the exact same both times and unchanged during this process.
Product: Credit reporting

I had attempted identity theft and had a LOT of inquiries opened under my name and ca n't get them removed.
Product: Mortgage

I reported an issue with Ditech Financial LLC not refunding money they owed me from overpayment of my loan with it was paid off. The original complaint number was XXXX. They owe me {$1200.00}. They responded to the issue after several weeks claiming that they had issued me a refund on XX/XX/19 with the check number being XXXX. Your company closed the original complaint based on them saying they refunded me, which they didn't. I waited for two weeks but the check never came. I contacted them on XX/XX/19. They insisted they mailed me the check on XX/XX/19 which it is obvious this was a lie. I know they have my correct address because I have received several pieces of mail from them since I paid the loan off, just not my refund. I was told by the customer service representative that I spoke to that they could not help me until XX/XX/19, which would be a month and only if I did not receive the check, which I won't, because they never mailed it out to me. There are several similar complaints to your company on Ditech for the exact same issue I am having. Customers are told they mailed them a check and they never receive it, with Ditech claiming it must have been lost in the mail. I am requesting another complaint be opened up on this matter and Ditech be investigated for fraud. This company apparently is taking people 's money and no one, including this company is helping us, the consumer to do anything about it. Ditech has filed two chapter XXXX bankruptcies in the past 11 months and it seems like number three is on the way. I would greatly appreciate your help in getting this matter resolved and this company investigated for fraud.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a check in the amount of {$2000.00} to settle a charged off debt owed to XXXX XXXX. On the back it stated " By cashing this check you agree to remove this debt from all credit reporting agencies in North America. This also resolves my entire debt with XXXX XXXX and XXXX XXXX XXXX XXXX. with this final payment. This is called XXXX and satisfaction agreement. '' The letter explained the complete transaction including file numbers and account numbers. I provided ID, proof of residency and proof of said transaction. 
At this point the account has not been removed or even labeled as disputed. 
I then sent letters of complaint on XX/XX/XXXX to XXXX, XXXX, and XXXX stating the same and requested the removal of the account with no response from any of the agencies. I sent these letters return receipt requested so I can confirm they received them. I can provide copies of the receipts if you need them. Thanks in advance for your help with this matter.
Product: Vehicle loan or lease

XXXX XXXX my wifes car was wrecked. We had financed it through Ally the prior month and made one payment. First, they received a check from XXXX XXXX XXXX, which Ally improperly endorsed. Ally improperly processed this payment and resulted in a returned payment to the insurance company. The insurance sent out a replacement check, and before ally received it they fixed the issue on their end and processed the original payment.. this raises a red flag with insurance who issued a stop payment on both checks. A third check was finally processed correctly. In the mean time I contacted our gap insurance and went through the process. A check was provided to ally on XX/XX/XXXX from the gap insurance company. Our account reflected paid in full. Fast forward 35 days, we get a notice that we owe {$770.00} again ( the amount of the gap coverage ). I contacted ally who stated that they never got a gap check despite our account saying paid in full last month. I contacted the gap company who says the check was provided on XX/XX/XXXX. In the mean time this whole problem which ally had caused has cost my credit score XXXX points and my wifes over XXXX. This attempt to fix this is the final attempt before filing a lawsuit. The credit impact has cost us being able to buy the home that we were in the process of buying, has prevented us from acquiring another vehicle and caused endless pain and suffering
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting a business account on my personal profile. Additionally, they report it delinquent when it's absolutely not. There is no payment due on this account. In any case, this is a business account and therefore should in no way appear on my personal profile.
Product: Student loan

Two payments towards my student loans were " processed '' and then returned by Nelnet. They claimed my financial institution XXXX XXXX XXXX XXXX ) denied the transfer of funds. My bank claimed they never received a request for a transfer from Nelnet. My payments towards my loans are now past due and my credit is affected.