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

This company has the worst customer service. Their customer service is outsourced not in the US. So English is not their first language. The English barrier is a problem. First off I have a refund from XXXX in the amount of {$54.00} this refund was issued over 7 days ago. Cred AI. Has failed to post my refund. This date of purchase was on XX/XX/2023 for {$62.00} XXXX  didnt refund my shipping fee which is why the refund is for {$54.00}. Ive contacted XXXX explained I havent received my refund they informed me it was issued and to contact my bank. Ive provided Cred. AI with documentation to support Im owed this money they havent done absolutely anything!!! Next issue I have a dispute for XXXXXXXX XXXX  and Credit AI again has not done anything
Product: Credit reporting or other personal consumer reports

I have requested on XXXX occasions in XX/XX/2024 that Transunion delete the below information addresses and update. They have refused and this information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My complaint is about the time it is taking to process my IDR, not getting any replies back as promised, given misinformation, and customer service representative acting as a barrier to getting my problems resolved. I submitted my IDR application on XX/XX/2018, and didn't know to check the {$5.00} hardship payment box. On XX/XX/2018, I received an email advising me that my application had been placed on hold, and that no action was needed from me. After waiting a few weeks for this to resolve, which never happened, I called XXXX XXXX for an explanation. At which time I was told that I had not selected the box to pay the {$5.00} interim payment required for the application to be processed. I have spoken to several representatives with different theories on why my application was placed on hold and not processed accordingly. One rep told me to wait for the {$5.00} billing, and once that was paid, it would trigger processing, and in the meantime placed me on a forbearance. Another rep told me that, one forbearance was in place when another one was processed, and that was the reason for the delay. Once one forbearance drops, the application would be processed correctly. I started receiving a notice to pay, and late notices, which prompted me to call again. This time though, the rep starting telling me that I had to pay the amount billed until I insisted he looked at the notes further. He could not give me an answer for why it has taken so long to process my IDR, at which time I requested to speak to a manager. He told me there was not a manager. I then requested for him to write me a letter stating all that I have been through, to which the answer was no. I demanded to speak to a supervisor and was told there was not any managers or supervisors, but he could transfer me to someone else who was just going to tell me the same thing. And, surely enough he did, only this time I've met with the representative, XXXX XXXX who has not come through on promises, appears to be non chalant about the urgency and possible adverse credit reporting, when asked to speak to a manager again, I was told that there was not a manager available. I am highly concerned about whats going on at XXXX. There doesn't seem to be any concern for the borrower 's frustration, and no incentive to go above and beyond to help borrowers with problems. As a matter of fact, the representative I've encountered encouraged me to make a complaint if I didn't like it. Dismayed and frustrated concerned about my credit, I am highly recommending that someone look into the practices of XXXX XXXX. And to add to matters, I just received a text today, stating that my payment is late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & TRANSUNION LLC are willfully neglecting and non compliant and continues to furnish Previously Disputed account items for inaccurate inconsistent unauthorized information on my Consumer Report. 2 US DEPARTMENT OF EDUCATION accounts begin in COLLECTIONS then Falsely OPEN showing {$0.00} PAYMENT RECEIVED yet CURRENT ; PAID or PAYING as AGREED. WHICH IS INACCURATE FALSE INFORMATION. ALSO SHOWS INACCURATE INCONSISTENT BALANCES, DATES OPENED & DATES UPDATED ON SEPARATE FILES SENT VERIFIED AS ACCURATE DISPUTED ITEMS ON THE SAME DATE. XX/XX/2023 Congress STATES the OBLIGATION for 100 % ACCURACY, PRIVACY and EXCLUSIONS FROM CONSUMER REPORTS
Product: Credit card or prepaid card

I closed my Forever 21 credit card account, which is through Comenity Bank on XX/XX/2023 after only having it for 6 months and making 1 purchase in the amount of {$21.00}, and being charged astronomical late charges when I was unable to login to my online account to make payments and not receiving the statements by mail or email as requested, after I closed the account I received the attached correspondence from a representative of the Customer Care Team confirming that my account was closed and the balance was XXXX at that time. A short time later I receive an email saying I had a balance due on a closed account, and started receiving harassing phone calls all day long, all from different phone numbers. They now have a balance of over {$180.00} in late charges due on this closed account, they are affecting my credit score and continue to call on a regular basis. Never have I have seen a company with so many complaints, from the XXXX XXXX XXXX, which had over XXXX complaints, on their XXXX page and all over the internet. This company is ripping people off and must be stopped, how can they continue to stay in business with the work ethics that they have? I have tried to speak to them, they acknowledged the balance was XXXX when it was closed, but say that the charges were added the same day the account was closed.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre-approved through XXXX and applied thinking this was XXXX. When I found out it wasn't I called before I even received the card and asked that it be closed. Instead they increased the limit and asked me to 'try it out. ' when it came I again called asking the card be closed and was told as long as I never used the card it would close on its own after two weeks. After two weeks I called and was told, and even received a confirmation email that the account was closed. Yet the company is claiming I made purchases on this card they they ensured me was closed and have been billing me ever since. Now my credit is damaged for missed payments to this bank that I am not responsible for. They fraudulently claim your account will close if no purchases are made but then charge an annual fee which they claim is a purchase. I have fought this with the credit bureaus and XXXX is the only one to take it off my credit report!
Product: Bank account or service

I wrote a check with a balance less than the check amount. This check was written to my landlord, who routinely does not process that check for weeks. I monitored the account at least twice per day, to see if that check had been presented for payment. I did have sufficient funds in a savings account from which I could have transferred money to cover the outstanding check. On XX/XX/2016, I made a deposit by check, in an amount that provided funds in excess of the amount of the outstanding check. On XX/XX/2016, I checked my account and discovered that PNC had charged me a {$36.00} insufficient funds fee, the check to my landlord had been paid and my account had a balance of over {$100.00}. PNC had processed the check before processing my deposit. That deposit was made inside a PNC branch and by a personal check made from my other checking account ( I had received a larger deposit in that account ). I believe that PNC processed the debit before the credit in order to generate the insufficient funds fee.
Product: Vehicle loan or lease

Toyota Financial Services violated federal law 15 USC 1605 pertaining to my finance charge. I made {$10000.00} down payment in this consumer credit transaction and that was supposed to be included in the finance charge. The premiums I paid for liability was also supposed to included in the finance charge. These these facts was not disclosed to me in this consumer credit transaction.
Product: Money transfer, virtual currency, or money service

This is about one of Capital One 's Extension - Capital One Shopping. I have purchased things using the Capital One 's Extension ( Well over XXXX USD ) during XXXX XXXX. I had a total of XXXX USD in rewards. I have used XXXX USD to redeem giftcards however they held the gift cards and said that they will release them after 90 days. 

The following email was sent below. " Unfortunately, it is taking a little longer than expected to process your e-gift card redemption. Due to a high number of XXXX purchases, your Shopping Rewards are currently on hold. Although your current rewards balance covers the cost of those e-gift cards, your rewards will remain pending until the merchant 's return or cancellation window ends. If there are any returns or modifications made to the order, your Shopping Rewards will be reversed. Typically, rewards can be on hold for up to 90 days. This verification period varies by retailer ( the merchant associated with the Shopping Reward issuance, not that of the e-gift card ). As soon as your current Shopping Rewards balance is confirmed, your e-gift card order will be processed. We apologize for any inconvenience and appreciate your understanding. '' After waiting the full 90 DAYS. 

I expected the gift cards to be released however 95 days have been elapsed and I sent them another email asking for support and they have sent me the same exact message above. I sent another email after that explaining that it has been 90 days and I yet again, received the same EXACT email above. 

10 Days later they just suddenly blocked my account and said my account was closed for suspicious activity after I tried to contact them. I still had around XXXX in rewards sitting on my account and they suddenly closed it. I have reviewed the TOS and I breached no legalities.

It is basically fraud to promise something and then close an account for no apparent reason. I have tried emailing and contacting the company to no avail. Every response was just automated copy and paste. 

My account email was XXXX XXXX
Product: Mortgage

I applied for a loan modification but was denied. The written explanation does not make sense based on the information provided for loan modification
Product: Money transfer, virtual currency, or money service

Money was sent to the wrong person by accident and never could get a refund for it
Product: Mortgage

CFPB Complaint Mortgage Servicing Violation To : Consumer Financial Protection Bureau ( CFPB ) Complaint Portal : CFPB Online Complaint Portal Complainant : Name : XXXX XXXX XXXX LoanDepot Account Number : # XXXX Case Numbers : XXXX ( First Inquiry ) XXXX ( Escalated Inquiry ) XXXX ( Latest Case ) Complaint Details : On XX/XX/year>, I submitted Certified Drafts totaling {$100000.00} to LoanDepot at its XXXX, CA office via USPS Certified Mail ( Tracking No. XXXX ) to settle my mortgage balance. 

Despite multiple written requests and direct engagement with LoanDepots servicing representatives, LoanDepot has : Failed to process the Certified Drafts without providing a valid rejection justification. 
Refused to cite any legal or servicing guideline from XXXX XXXX prohibiting the acceptance of Certified Drafts.

Continued delaying resolution with a 24-48 hour response window with no actual action.

Violated federal servicing laws by obstructing valid payment settlement. 

Relief Sought : Regulatory enforcement compelling LoanDepot to process the Certified Drafts or provide a legitimate legal reason for refusal. Monetary penalties against LoanDepot for improper handling of mortgage payments. Investigation into LoanDepots servicing violations, with potential corrective action.

Supporting Documents Attached : Certified Draft Submission Proof & USPS Delivery Confirmation.

Previous correspondence with LoanDepot ( Case Numbers Included ). 

Loan Note & Servicing Documentation Proving XXXX XXXX Ownership.
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 XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX  Acct # XXXX, has violated my rights. 

XXXX XXXX  Acct # XXXX, has violated my rights. 
XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX  XXXX Acct # XXXX, has violated my rights. 
XXXX XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # XXXX, has violated my rights. 
XXXX Acct # 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: Credit reporting or other personal consumer reports

Subject : Request for Removal from Collections Due to Experian and XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of the XXXX XXXX breach on my financial standing. My personal information was compromised during this breach, which has adversely affected my credit and led to the involvement of several collection agencies. Specifically, I am requesting immediate removal from the following collections : - *XXXX XXXX** - *XXXX XXXX XXXX* - **XXXX XXXX XXXX** - XXXX XXXX XXXX - XXXX Management Collections** Bankruptcy Court ga XXXX ** Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information, I believe that these collections are a direct result of the breach and do not accurately reflect my financial behavior. I have taken steps to secure my identity and have reported the breach to the appropriate authorities. I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one XXXX account with a balance of {$840.00} which I have no knowledge of the account, I sent a dispute letter to the 3 credit bureaus ; only XXXX  who removed the account because the creditor was not able to provide 100 % proof that the account belong to me. But TransUnion and XXXX  refuse to delete it. I sent more than 3 round of dispute with them even send them a copy of XXXX  deletion still they refused. Then I sent a letter requesting fro proof of their investigation, asking how did the verified the never send me a proof. So on XX/XX/2018 I decided to request a verification from XXXX, on XX/XX/2018 XXXX couldnt proof it ether was mine, because they just send me a snapshot of past due bills. No contact bearing my signature, which they should have as a original creditor. I call they TransUnion and XXXX told them to delete that account because the original creditor ( XXXX can not proof me that the account belong to me ) therefore must be delete immediately. Also ask them why? And how they been verified it if the original creditor doesnt have the original contact. TransUnion and XXXX  still do not want to remove it even though XXXX  did. I need your help to get it of my credit report because it hurting my credit rating. I attached the documents received from the original creditor no contract at all. Under the FDCPA and FCRA the credit bureaus must investigate and make sure the information is 100 % accurate. They credit bureaus failed to comply under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Delete this account.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

First I want to bring to your attention I have been battling this issue since XXXX ( per ) XXXX XXXX at Experian AND XXXX XXXX on XX/XX/XXXX. THAT SAYS ALOT. 

on XX/XX/XXXX I spoke to 6 different reps at EACH company addressing the FCRA VIOLATIONS EXPERIAN AND XXXX is under. ( trying to help them fix the problem. THEY CHOSE NOT TOO. 

on XX/XX/XXXX I for the last time called and explained they are reporting information on my credit report AGAINST MY RIGHTS. WHY IS IT STILL REPORTING? THEY ( XXXX AND EXPERIAN WOULD NOT ANSWER THE QUESTION. 

on XX/XX/XXXX I spoke to a rep name XXXX who told me she could not help me and she had no supervior to speak with. ( XXXX ) XXXX XX/XX/XXXX XXXX. I SPOKE TO A REP at experian NAMED XXXX. she told me after i explained to her the violations being held over EXPERIAN. to file a CFPB COMPLAINT. because she was not authorized to remove the account. 

this account is a XXXX ACCOUNT. I HAVE EXPLAINED TO THEM THE REFERENCE NUMBER WAS WRONG. 
-THE FILING DATE IS WRONG -THEY WILL RESPOND AND SAY THEY VERIFIED THE INFORMATION WITH THE ( XXXX XXXX ) - I called the XXXX XXXX and they stated " they do not at all verify or communicate with the CRA '' THEY SENT ME A LETTER EXPLAINING THAT CONVERSATION. 
-THE LETTER WAS SENT TO BOTH XXXX AND EXPERIAN. 

THEY HAVE VIOLATED FCRA LAWS, MY RIGHTS, AND DAMAGED MY CREDIT REPORT. DUE TO NOT FOLLOWING THE LAWS. AND BLANTLY LIEING ON THIRD PARTIES WHO DO NOT AT ALL HAVE THIS INFORMATION. 

- THEY NEVER COMPLETED A FULL INVESTIGATION -THEY WILL IGNORE MY LETTERS WHEN I ASK FOR THE METHOD OF VERIFICATION -THEY WILL IGNORE THE FCRA LAW THAT SAYS PROVE IT OR REMOVE IT. 

- THEY IGNORED 15 U.S.C. 1681 ( T ) RELATION TO STATE LAW -THEY IGNORED 15 U.S.C. 1681 ( B ) PERMISSIBLE PURPOSE TO CONSUMERS REPORT.

THEY HAVE IGNORED AND OVER LOOKED EVERYTHING I ASKED OF THEM, EVERY VIOLATION I POINTED OUT, AND WILL ( PERIODICALLY VIOLATING PAST THEIR 30-45 DAYS INVESTIGATION TIME ) RESPOND WHEN THEY FEEL LIKE IT THROUGH EMAIL/LETTER SAYING " ACCOUNT VERIFIED '' I WILL ASK METHOD OF VERIFICATION. NO RESPONSE.

AT THIS POINT I HAVE BEEN VIOLATED MY RIGHTS. AND THEY HAVE ABUSED FCRA LAWS AND SYSTEM.
Product: Debt collection

They asked for all my information and number. They got my debit card unfortunately due to my foolishness. When I asked about whether I had to pay for the dispute to get the debt off my report they tried to sell me their services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  had failed to valid the debt or reply to the letters sent on XX/XX/year> which is now past the XXXX  day reply validity period. At this time I would like the debt TO BE DELETED/REMOVED IMMEDIATELY as it is duplicated alleged on my credit report, This is also a violation and misuse a for improper credit reporting. My identity was stolen and several account has been open using my information.
Product: Credit reporting or other personal consumer reports

I closed my account which is a XX/XX/XXXX and magically it reappeared on my credit report and experian and equifax keep validating an old closed account as a new opened acount with XXXX.