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

Discover Dispute # : XXXX To ConsumerFinace and XXXX : Material Red Flag : Broken Internal Control Design of Customer Complains - not following the set process. 

1. Not in time : Per the supervisor, the first step of customer complain should be resolved within 30 days. I've filed my dispute on XXXX and the merchant responded on XX/XX/XXXX. However, I had not heard back from Discover until XX/XX/XXXX. 

2. Weak Design : The supervisor said the first conclusion that the case should be without the human intervention. And then she told me that this case was reviewed by HUMAN for the FIRST TIME when i called - then they reversed the transaction to continue the case. Which means they rely on customer complain to handle dispute and if i didn't call, this transaction will be closed in merchant 's favor. When i asked what info was provided by XXXX for discover to close the case in their favor, she said the fact that XXXX responded. It amazed me how Discover are being honest about their weak control design. 
Funny enough the info XXXX provided was ONLY MY NAME and ADDRESS, whereas i provided my return slip, tracking number of return and the delivered confirmation from XXXX. Please note that if this sale was final i wouldn't be able to get a return slip from XXXX. 

3. Next step : The representative told me that this may take more than 6 months. Is that what they wrote in their XXXX? How timely is that?
Product: Credit card or prepaid card

Hi, I have filed a dispute for a charge on my statement in the amount of {$930.00} on XX/XX/2020 for a merchant who is not responding. 

I have called Citi cards  on probably 15 different occasions with no resolution on the dispute because there is no one available to help. 

I understand the Covid situation but come on. There is a limit to how unresponsive a bank can be. 

Best, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX and possibly XX/XX/XXXX ; I contacted Exeter Finance regarding my payment I made of {$660.00}. I was told by the Exeter Finance customer service representative that Exeter Finance had received my payment and it was good and I was not late on my XX/XX/XXXX payment. On XX/XX/XXXX, Exeter Finance sent me an email stating my payment did not clear. I immediately paid {$600.00} on XX/XX/XXXX via the Exeter Finance website and it cleared with my bank. I had the money in my account so I do not understand why the first payment did not clear my account. I checked my credit report and saw that it stated that I had a late payment on XX/XX/XXXX and my credit score decreased. When I contacted Exeter Finance, they told me I was late on XX/XX/XXXX and I explained to them that Exeter Finance told me on XX/XX/XXXX that my payment was not late. I continued to call Exeter Finance between the dates of XXXX XXXX XXXX speaking to them about removing the late payment for XX/XX/XXXX from my credit report. On XX/XX/XXXX ; Exeter Finance decided to give me an extension for XX/XX/XXXX and also said that because they gave me the extension on XX/XX/XXXX it was too late to remove the late payment for XX/XX/XXXX from my credit report. I have been making my payments on time for over a year despite the fact that I'm unemployed. Every time I spoke to an Exeter Finance customer representative, I explained to them that I am currently unemployed and I only get paid once at the end of the month ( payment on the XXXX of each month ). I have requested Exeter Finance to remove the late payment for XX/XX/XXXX from my credit report because I was told by Exeter Finance that my payment was not late. Exeter Finance waited until XX/XX/XXXX to inform me that my payment was late. If Exeter Finance told me on the XX/XX/XXXX phone call that my payment was late, I could have made the payment on XX/XX/XXXX and not been late. I continued to call Exeter Finance between XXXX XXXX XXXX to get the late payment removed from my credit report. On XX/XX/XXXX, Exeter Finance gave me an extension for XX/XX/XXXX and show it as current on my Exeter Finance account but it shows late payment on my credit report. Exeter Finance will not remove the late payment for XX/XX/XXXX from my credit report because Exeter Finance waited until XX/XX/XXXX to give me an extension for XX/XX/XXXX. Exeter Finance told me that because I received the extension on XX/XX/XXXX it was too late to remove the late payment from my credit report. I had called Exeter Finance between the dates of XXXX XXXX XXXX  to get them to remove the XX/XX/XXXX late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't Equifax, XXXX, nor XXXX  resolved the issue with the accounts? the XXXX ( XXXX XXXX XXXX ) collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.
Product: Credit card or prepaid card

I bought {$100.00} XXXX gift card from local grocery store and couldnt redeem the card as error shown card is not activated yet. I went to the store and figured out that the card inside its packaging has different numbers from what shown on the paper packaging. So the card inside the paper cover is not the original card, someone switched cards. The paper packaging is easy to open without damaging to paper, so I guess someone exchanged the cards and glued back the packaging. The card I got is not activated, Im not sure the actual card that I scan the barcode and paid for got used or not. The store I purchased from couldnt help me with this and told me to contact their gift card department, I called, they told me to go to store or call XXXX instead. Who can help me here?
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Credit Bureau : Transunion XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Transunion on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Transunion who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
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  : Account Number XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number XXXX Account Name : XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX  : Account Number XXXX Account Name XXXX XXXX XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX  : Account Number XXXX Account Name : XXXX  : Account Number XXXX Account Name : XXXX : Account Number XXXX Account Name : XXXX XXXX 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 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: Mortgage

On or about XXXX XXXX I spoke to a representative at Midland Mortgage and explained that I was experiencing extreme financial difficulty due to a family crisis and would like help with my mortgage payments to avoid late fees and negative credit reporting ( if  applicable ). The representative did a financial intake of my current expenses and offered an alternative payment plan where I would pay 1/2 of my XXXX payment and add the balance of the XXXX payment to the XXXX and XXXX payments. I received written confirmation from Midland on XXXX XXXX. The letter stated that on XXXX {$780.00} was due ; XXXX {$1900.00} was due ; and on XXXX XXXX$1900.00} was due. I called on XXXX to pay the agreed upon {$780.00} as agreed. The Midland Mortgage representative and supervisor stated that the agreement was " entered wrong into the system and the system had cancelled the agreement. Therefore the entire mortgage payment was due AND late fees are accrued on the account. '' I payed the entire mortgage payment. However, my concern and complaint lie in the fact that Midland Mortgage clearly did not hold up their end of the agreement, did not attempt to eliminate the late fees and seem to be engaged in practices not conducive to customer satisfaction. At the very least, the late fees should be eliminated. I contacted the mortgage company prior to the payment becoming late and sought assistance from them in advance as the company states on its website and on their recorded phone line. My experience determines that Midland makes false promises and engages in practices that involve unfair practices. We made a verbal agreement and I received written confirmation of our verbal agreement. Midland Mortgage should not be allowed to retract or renege on the agreement.
Please help me to eliminate the accrued late fees and investigate Midland Mortgages customer support practices. I will forward the letter to you as verification of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX  # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and 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 a account without my written instructions
Product: Debt collection

Text message spam from XXXX XXXX on behalf of Jefferson Capital Systems regarding XXXX XXXX debt collection. Text message was from XXXX, but repeated instructions to contact XXXX were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My job was hit hard by Covid ( XXXX ). I did my best to make timely payments, but had to use the payment deferral option for a few months. I talked to XXXXCare CreditXXXX XXXX on the phone ( my fault, now I don't have proof ) and negotiated a three month payment plan that would keep me from being reported to the credit bureaus. I made the payments that we agreed on, and they still hit me with a 30, 60, and 90 day late during this period. With these being the lowest credit cards that I have, I never would have agreed to this if I had known they wouldn't keep up with their end of the deal.
Product: Mortgage

Specialized Loan Servicing is harming consumers and needs to be held accountable. As many other Americans I had PMI as part of my original mortgage and have since paid off the principal to below 75 % and the automatic elimination of PMI at 78 % is written into the mortgage I signed. 5 months later they continue to charge PMI and refuse to correct and say they will get around to it. The customer service rep over the phone said they do this to all customers and she handles calls about this all day so they clearly stealing money from consumers and giving no way around this. Its not a grey area, its black and white and they should be fined for very consumer they have done this to
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that are not mine. I sent in the dispute over a month ago and no one contacted me or resolve the issue yet
Product: Credit card or prepaid card

The card was opened by identity thief on XX/XX/22 through capital one I contacted them the day of & had it stopped immediately. 
The hard inquiry that was obtained by the identity thief hasnt been removed so Im hoping you can help me take care of this, I do have the letter from capital one stating it was a case of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

I also understand that an investigation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Checking or savings account

Complaint COULD NOT DEPOSIT BECAUSE ATM CARD NOT WORKING. BANK INFORMED AND VERIFIED ACCOUNT IN GOOD DTANDING AND WROTE OFF FEES AND ISSUED NEW CARD. 1-DUE TO SCHEDULING ATM ONLY AVAILABLE BANKING METHOD 2-CALL TO BANK RE MALFUNCTIONING CARD DOCUMENTED AND BANK WAS CLOSED. HAVE DOCUMENTED MSSAGE FROM BANK. 3-WAS TOLD ALL IN ORDER - WAIT FOR REPLACEMENT CARD, 4- CARD MAILING NOTICE SENT-HAVE DOCUMENTATION E-MAIL. 5-WROTE CHECKS - MAILED- WENT TO ATM WITH DEPOSIT BUT NEW CARD WOULDNT WORK. 6-CALLED BANK AND TOLD ACCOUNT WAS FORCED CLOSED ON XX/XX/31 BECAUSE AN AMOUNT OF {$2.00} WAS OWING AND ACCOUNT WOULD NOT BE REOPENED, BUT " GOOD NEWS '' IS THAT THEY WOULD NOT COLLECT THE {$2.00}. 7-THEY DIDNT CARE IF IT WAS ONLY XXXX OWING AND IT WAS TOO BAD NO NOTICE WAS EVER SENT. 8-THEY SAID I COULD OPEN ANOTHER ACCOUNT-AND IT WAS TOO BAD ABOUT THE OUTSTANDING CHECKS! 9-THEY SAID THEY WERE NOT OBLIGATED TO LET ME KNOW THEY HAD CLOSED THE ACCOUNT!
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 XXXX XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Debt collection

I pulled a recent copy of my consumer report and noticed that your agency is furnishing inaccurate information. According to the Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with the Fair Debt Collection Practices Act and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 U.S.C 1692b ( 2 ) - by stating that the consumer owes any debt.

2. 15 U.S.C 1692c ( a ) - communicating with me without my prior consent 3. 15 U.S.C 1692d - engaging in conduct that is harassing to the consumer in connection with the attempts to collect a debt.

4. 15 U.S.C 1692 ( a ) - invading the consumer 's privacy 5. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

6. 15 U.S.C 1692e ( 10 ) - using false and deceptive means to collect an alleged debt.

7. 15 U.S.C 1692e ( 6 ) ( B ) - false representation or implication that a sale, referral or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by the Fair Debt Collection Practices Act.

The following account needs to be removed from my consumer reports immediately : 1. LVNV Funding Date Opened : XX/XX/XXXXXX/XX/XXXX Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Debt Collection Practices Act.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears to be consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds available. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

hello i would like to report that the information in my credit report about this account is incorrect since the amount was paid in full Please help me thank you
Product: Credit card

We have a dentistry loan ; my husband needs massive dental work, and despite having XXXX dental policies, we 're still regularly paying thousands out of pocket for his care. We were granted a loan at our dentist 's office through XXXX ( a 3rd party credit card that our dentist contracts with ). On its face, this loan is attractive - there 's a one year no interest grace period. However, after that year, the interest rate becomes 23 % and the interest is compounded. We had always planned to pay the balance off before the 23 % and compound. 

A few months before the grace period expiration, my husband needed another {$1000.00} in care. We were offered another loan, and we asked, " will this resent the grace period on the loan? '' We were told that it would at the dentist 's office. It did n't. We noticed an additional fee of almost {$1600.00} earlier this week, so we spoke first with our dentist about it, thinking that it was an office error. 

The dentist 's receptionist who gave my husband the information that the new charge would reset the grace period, ( XXXX ), was unhelpful and went and got the office Manager, XXXX. XXXX explained to us that the grace period would only be for the new balance and that even though we have XXXX card, it 's counted as XXXX transaction. We told them what we had been told, and they shrugged it off with a half-hearted apology. It would have been nice to know all this three weeks ago. 

I have already discussed the situation with the dentist 's office and reminded them of the laws governing contracts and contract fraud - as well as the fact that intent to defraud is n't required. We also contacted XXXX - the best that they could do was remove XXXX of the XXXX interest, DESPITE the fact that we paid the balance in full today ( {$5600.00} ). 

My issue is that 1. there 's a communication error somewhere between The XXXX XXXX and the people signing customers up for their product. 2. That miscommunication is costing people copious money - XXXX on XXXX principle is ridiculous. 3. Once the error becomes obvious, there 's no recourse to the consumer. 4. Individuals at the XXXX XXXX are n't all rude but XXXX that we dealt with were very rude in discussing this. 

We have always paid our bills, and I feel that this is a scam to lull sick people who need large amounts of dental care into these ridiculous interest rates and unacceptable business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.