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

CASE # XXXX Companies have return policies that they are required to follow just like I'm required to follow them if I want to return something to a company XXXX XXXX have return policies they have a XXXX XXXX guarantee policies this information is relatively easy to find you can contact XXXX you can contact any XXXX XXXX contact the one closest to you and ask them if they have a XXXX XXXX satisfaction guarantee and you will see that I am telling the truth so please explain to me how you've come to this conclusion how is it possible that a company can have an advertised guarantee an advertised return policy in whenever I want to enforce that policy that is publicly displayed my credit card company doesn't agree with me. I would request that the merchant provide proof that they did what they claim they expect me to provide proof well then why can't I expect them to provide proof them just saying they did something isn't proof I did not receive any compensation myself XXXX XXXX did not receive any compensation from this hotel You keep sending me form letters but you're not actually answering my question I'm not going to go away until you answer my question they have a satisfaction guarantee policy it's advertised on their own website in addition to that the hotel did nothing that they claimed they were going to do you're telling me that they told you that they we're giving me points I never received any of that why can't you show me proof? I don't think it's unreasonable for me to ask to see the proof what documentation do you have that proves that they are right and I am wrong?
Product: Credit card

Request for Removal of Fraudulent Account from Credit Report I am writing to inform you that an account listed under my name with your institution has been opened fraudulently. I have recently discovered this unauthorized account on my credit reports from XXXX, XXXX, and XXXX. 

The details of the fraudulent account are as follows : Account Number : XXXX I have not authorized the opening of this account and have taken immediate steps to report this identity theft to local law enforcement and the Federal Trade Commission ( FTC ). I have attached copies of these reports for your reference. 

I kindly request that you investigate this matter promptly and remove this unauthorized account from your records. Additionally, I ask that you contact each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) to inform them that this account was opened fraudulently and should be deleted from my credit reports. 

I understand the seriousness of this situation and am eager to cooperate fully in this investigation. Please let me know if you require any additional information or documentation from my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair credit act the following creditors have violated my rights. My rights are being violated by going against The US Code 1681 section 602 A. States I have the right to privacy. followed by violating US Code 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions. 

-Credit Acceptance Account number starting with XXXX -XXXX XXXXXXXX Account number starting in XXXX -XXXX XXXX XXXX Account number starting in XXXX -XXXX XXXX XXXX  Account number starting with XXXX I also would like to point out I have been Economically impacted by COVID19 and have had no mercy from the creditors once I brought the violations to their attention which has led me to file this complaint.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the account listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

IKEA promoted a deferred interest plan on the Comenity VISA card. I purchased over {$1000.00} of IKEA merchandise in order to make use of their 12 months deferred interest promotion, as advertised on their website and throughout the store. When applying for the card, the promotion was again mentioned. When I received my first statement in XXXX, I was charged interest. I immediately contacted the company and opened a dispute. Over THREE MONTHS later, I received a physical letter stating that they did not believe the promotion is valid. Since they refuse to honor the promotional terms, I demand they remove the interest charged ( {$89.00} ) from my statement. I will pay the remaining balance and close the card. I was instructed to call into their customer service line and ask for a supervisor, who refused to remove the interest. I have also filed a complaint with the XXXX.
Product: Debt collection

Chase Receivables left a voicemail on my phone ( which I still have ) threatening that if I did n't call them back by XXXX that day they would lie to the hospital I have the debt with ( for an emergency room visit I had when I became very ill ) and tell them that I had refused to pay the debt. This of course was not true ; I did not refuse to pay the debt, in fact, the only reason this woman at Chase Receivables was calling me was because I had called her three days before to try to arrange payment of the debt. ( They also kept calling me during those three days when I said I did n't want them to ; I told them I would call them again when I was ready to arrange payment of the debt. Obviously they ignored my request. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Issue I received a statement addendum, dated XX/XX/XXXX, again, this year, from XXXX informing me that they were reducing my credit limit by, this time, {$500.00}. XXXX Last year it was {$1000.00} XXXX. 

[ From the XXXX Statement XXXX Your current report reads : SERIOUS DELINQUENCY RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH NUMBER OF ACCOUNTS WITH DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED On Nordstroms statement I was invited to contact the agency directly. 

When I called the number given for Experian : XXXX, there was no live person to discuss their blunder. I was referred to XXXX. 
I called XXXX. The young man I talked with said they adhered to the information provided by EXPERIAN, and referred me back to EXPERIAN. He also checked my account and found no problem. 

There seems to be no responsible humans at Experian, only telephone robots available. 
The reality, which they dont seem to care about is that : In early XXXX, I realized that just to live modestly on my income from Social Security, I was over using credit cards and running up balances I could not deal with. 

I submitted most of my cards to XX/XX/XXXXwhich looked to be the most reputable organization in class. Since then, they have settled with XXXX XXXX, XXXX and XXXX XXXX. 

They have yet to settle with XX/XX/XXXXand XX/XX/XXXX. I have no control over these balances. Understand that I have done everything in my power to be responsible. 

I have 2 older cards that remain active : XXXX and XXXX. Please check with them and verify that I commonly pay over the amount due before. the cutoff deadline. I HAVE NOT BEEN DELINQUENT WITH ACCOUNTS FOR WHICH I AM RESPONSIBLE. And I am working to lower my balance. As you know, if one is not wealthy, interest rates are obscene. 

The Experian report doesnt have much relationship to reality. I think the robots are also XXXX. 
I am working to clean up my financial relationships, and wish to re-establish a positive credit score. 

RE : The report : 1. SERIOUS DELINQUENCY. -- -XX None XX 2. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. -- -XX Questionable XX 3. NUMBER OF ACCOUNTS WITH DELINQUENCY. -- -XX None XX 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. -- - XX None XX This report has caused a reduction in my credit line and maintaining a low credit score. 
The Experian report is irresponsible and causing me financial damage. 

And finally, I stumbled upon your websitegiving me hope of restoring my credit and credibility. ( I have no idea what the other two agencies are reporting XXXX Please check my history and demand Experian Adjust my report. 
I need a copy to present to XXXX XXXX or perhaps you can correct.. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX XXXXXXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
Product: Mortgage

Account # XXXX On XX/XX/XXXX I was alerted by my credit report monitoring service that my mortgage account payment with Keybank was reported for 30 days late. I checked my bank account for my online payment records and it was documented that my XX/XX/XXXX payment was sent to the mortgage payment processing company on XX/XX/XXXX as instructed. I attempted to log in to the mortgage payment processing company ( XXXX ) online to confirm receipt and was unable to access my account. I contacted Keybank the next day to inquire and was ultimately informed by the Customer Service Rep that the bank changed payment processing companies back in XX/XX/XXXX and XXXX was no longer accepting payments as of XX/XX/XXXX. With the change in payment processing, the address for sending payments, along with the online site and customer service had been changed. I informed the customer service rep that I never received this change in companies or process, and I was still sending my mortgage payment to XXXX. I informed the rep that my XX/XX/XXXX payment had been sent automatically through online banking and the XXXX payment had just been sent today. The rep would not disclose what address that the notification of change in payment processing was sent to. When I finally logged into the new site for loan servicing I discovered that the mortgage company had the incorrect address on file ( I had not lived at that address in over 2 years ) and incorrect email address ( I had discontinued using that email address over 3 years ). I also discovered that this mortgage company had been charging me for late payment over the past couple years, indicated that they didn't receive my mortgage payment until the XXXX of each month. This is not accurate, because documentation from my online banking shows that the payments were received on the XXXX of each month, which is within the accepted time frame. Keybank was processing the payments based on when they received from the loan servicing provider, instead of when the loan servicing provider received them. 

I also attempted to pay my account online and was not able to add an account so I can make a payment. I contact the Keybank again on XX/XX/XXXX to resolve the issues with my account and request that they contact the credit bureaus for inaccurate reporting of 30 days late on my account. After waiting on hold for 30 mins, I was finally connected with a manager in Customer Services for Mortgages. When explaining the situation, the representative did not give me the impression that Keybank wanted to resolve the issue. She indicated that notices of the change in payment processing was sent out to a PO Box , but was unable to provide an exact address. She indicated that calls were made by the collections dept, but unable to confirm dates and time. She indicated that the address for mailing and phone number was confirmed by the previous mortgage payment processing company, XXXX. I then asked to speak with a manager and was put on hold again for another 15 minutes. 
After being on hold again, I advised I would call them back.
Product: Credit reporting

On XX/XX/XXXX, I sent a procedural Request For Dispute letter to Equifax Credit Bureau listing several negative items I wanted investigated. I sent this certified mail and it was received by Equifax on XX/XX/XXXX based on the tracking information. These negative items were hurting my credit score, and as such, my quality of life. I, and they, know that they have 30 days to respond to my letter, 45 in some instances. I waited on them to respond for a full 60 days but I never received anything from them at all. No correspondence in any form, at any time. This is in clear violation of Federal Law. I then proceeded to send Equifax a Failure To Respond In 30 Days letter, Certified Mail Return Receipt on XX/XX/XXXX, which was received by Equifax on XX/XX/XXXX. I did not ask them to investigate at this point, as they had their opportunity 2 months prior. I asked them to abide by the law and by Federal guidelines and remove the listings I disputed, as per Federal code. I have not received any correspondence from them concerning this matter. Credit Reporting Agencies MUST abide by the laws and statutes set forth by the FTC and CFPB.
Product: Debt collection

On XXXX XXXX, 2017, I noticed on my credit report there was an account in collections for {$65.00} reported by Diversified Consultants. I was completely unaware that an account was in collections until I saw it on my credit report. On XXXX XXXX, 2017 at XXXX XXXX. I contacted the debt collector, Diversified Consultants, immediately to find out why this was on my credit report. I explained to the representative that I never received mail or phone calls regarding the situation with Diversified Consultants. The representative explained there was nothing she could do since it was already reported to the credit bureau. I also asked about having the information removed from my credit report because I was not aware of or contacted about the situation. 
I called back two more times the same day at XXXX XXXX. and again at XXXX XXXX. I was then told that Diversified Consultants received my file on XXXX XXXX, 2017 and reported it to the credit bureau on XXXX XXXX, 2017. On XXXX XXXX, 2017 at XXXX XXXX. I called Diversified Consultation wanting to know if the company had any record of speaking to me. The representative informed me that they contacted three phone numbers that did not belong to me. The representative then stated they spoke with some man on XXXX XXXX, 2017, who told them " his wife will call back. '' The representative then asked me if I am married. I told the representative I have never been married before and I continued to tell him that the phone numbers they called do not belong to me. I have spoken with the following people at Diversified Consultants : XXXX, XXXX, and XXXX.
Product: Vehicle loan or lease

This is regarding COASTAL CREDIT , LLC at XXXX - This account is still being reported to the Credit Bureau ... XXXX & XXXX. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have XXXX & XXXX remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..
Product: Money transfer, virtual currency, or money service

Started through XXXX dating site. Matched with a XXXX  lady that ended up scamming me for {$20000.00} using Trust Wallet, XXXX, XXXX, XXXX and XXXX XXXX. All of a sudden shes gone and so is my money through XXXX. 

Her name is XXXX XXXX. Her reference cell number is ( XXXX ) XXXX. She says that she resides in XXXX XXXX, CA.
Product: Mortgage

To whomever, My loan was sold to Loancare in XX/XX/XXXX/XX/XX/XXXX since then I have had nothing but problems with the XXXX  / Loancare processing. 
# 1 First they converted my loan with my old address and sent emails to advise me, to my old address, from 3 years ago, so Mail is not being forwarded.

# 2. Tried to charge me for Homeowners insurance because the inforce policy information never carried forward, took two months to resolve this.

# 3. Tried to charge me for FEMA flood insurance, never carried forward my inforce policy. Took 2 months to get that straight.

# 4. Insult to injury, after sending copies of inforce, paid in full policies, They tried to say I needed to escrow so they upped my mortgage payment. In 25+ years I have never escrowed! 
# 5. Been on the phone with Customer Service 5 times since I am unable to get onto my online account. I have subscribed to electronic statements, they send emails but I cant access my account.

I have had enough of the miss handling of my account almost to the
degree of wanting to refinance just to get away from this company. Worst ever!

See below screen shot Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, De XXXX From : XXXX Date : XX/XX/2020 at XXXX XX/XX/XXXXEDT To : XXXX Subject : LoanCare User ID Request This message was sent securely using XXXX Thank you for using XX/XX/XXXX Web Access to your loan information. 
Your user id request is complete. 

User ID is XXXX Loan number is XXXX For assistance or questions : Client Phone is XXXX To access your account, please go to https : //www.myloancare.com NMLS # XXXX
Product: Credit card or prepaid card

Scam or phishing emails from Synchrony Bank. Called customer service and was told it was not sent by them and the agent hung up on me XXXX told me Sent to wrong e-mail. On XXXX, a thread says some are told not sent by us and others sent by mistake.

Action required on your application email from them.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on CONVERGENT OUTSOURCING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

In Regards to an automobile loan account on my consumer report with XXXX XXXX XXXX. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2.

This is also a violation of tax code and multiple state laws in which XXXX, Experian and XXXX are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The Pennsylvania Financial Services Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.
Product: Credit reporting or other personal consumer reports

This current {$99.00} annual fee is a charge imposed by XXXX bank against my will. I never give the bank consent to the {$99.00} fee for the fiscal year XXXX. I informed the bank after my first year. I do not owed {$100.00} Until now XXXX XXXX  has refused to remove the {$99.00} annual fee on the account ending in XXXX. Last year, I informed XXXX XXXX  that I did not want the card with the {$99.00} annual fee, and a XXXX XXXX  representative assured me that they would switch me to another card with no annual fee. 
If XXXX XXXX  decides to withdraw its offer, they are supposed to close the account instead of charging me another {$99.00} to renew the account for another year against my will. This practice is unfair, abusive, deceptive and constitute harassment. Also, it is a violation of my constitutional rights. 
You can not force a donkey to drink water if it doesnt want to. It is important to respect the free will and choices of others. Trying to force someone to accept something against his will is not productive and can lead to resistance or resentment. 
I am leaving you with those two quotes. When the rich steal from the poor, we call it business. When the poor fight back, we call it violence. XXXX XXXX XXXX mistake is forgivable because everyone makes a mistake. But gratuitous wickedness can not be forgiven because it is thoughtful, premeditated and intentional. XXXX XXXX XXXX XXXX
Product: Credit card

Late last year, in 2015 I went ahead and applied for a CITI Gold Package account. The account package offered a XXXX XXXX XXXX miles bonus directly targeted to me. The miles where to be awarded to my XXXX XXXX account after meeting XXXX stipulations, that I pay XXXX bills from the account and that I spend at least {$1000.00} using the debit card. I completed both of these stipulations well within the time frame allotted and for the last six months have invested over 5 hours of call time and a number of emails have been sent over to Citi in order to get to the bottom of why the miles have never been added to my XXXX XXXX account. I feel that Citi is using these promotional tactics to bait customers into opening accounts and then reneging on their end of the deal. I do n't feel that this practice is fair to consumers and I feel it is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2020, I received a collection letter from this company or bank. After receiving it, take a few days to write them a letter requesting the following : 1- Who were they?

2- Why were they charging me a mortgage?

3- I had never signed any document with them.

4- I have not taken any loan with Planet Home Lending 5- I have never made any type of loan with them, collateral or refinancing.

5- If my signature appears on your documents, it was forgery and identity theft in the same way that happened with XXXX XXXX  and the XXXX XXXX justice ignored it. Therefore went to the federal authorities and reported what happened with the corresponding documentation with a large number of signatures under my name that were not my own. In addition, differences in the amount of the balances in the mortgage loan made with XXXX XXXX. 
Therefore, I, XXXX XXXX XXXX, have never signed any loan with these people. The letter I sent them was never answered and at this time this loan appears on all three credit reports, XXXX, XXXX, and XXXX so your intervention is required. Also, as you can see, one of the details of the report is that 100 % of the loan was paid. Therefore, I have never taken any loan, much less a signature with my name should appear.
Product: Credit reporting or other personal consumer reports

I was listed as an authorized user on my ex 's Macys Card I have since been removed, I want this tradeline removed from my credit file immediately I have attempted to file a dispute with the credit bureaus and you have refused to remove this account.