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

Billing Disputes XXXX XXXX XXXX XXXX, DE XXXX Re : My AAdvantage Aviator Red World Elite XXXX credit card account ending in XXXX Case ID : XXXX Dear Sir or XXXX : Several weeks ago, I disputed three charges on my account from XXXX for {$120.00}, for {$55.00}, and for {$55.00}. 

Your dispute department first attempted to convince me that I should not bother disputing these charges with you, but instead should work on my own to address these unauthorized transactions with XXXX because the dispute process takes months. I insisted on disputing the charges with your team, after which the group reluctantly took a record of these disputes. 

Now I have received a letter stating that you require additional information, and when I called the number listed in your letter to provide it, the representative informed me that my claim is closed because I was not able to pick up two telephone calls from unknown numbers on XX/XX/23 and XX/XX/23. She stated that the only way my claim will be reopened is if I send a signed and dated letter stating that I did not receive any merchandise in connection with these transactions. She would not accept my personal statement to that effect. 

Let it be known : I did not receive any merchandise in connection with the above-referenced transactions, as I stated ( in a recorded call ) the very first time I filed these disputes. 

You can confirm the validity of this representation by the documentation Target provided to you in connection with the dispute, which clearly shows that this merchandise was ordered ( using my credit card ) by XXXX XXXX, of XXXX, who resides at XXXX XXXX XXXX, XXXX, NC XXXX. Again, you can find this information in your own records for the dispute I filed, as you have now mailed me copies of these same records clearly substantiating that I did not order nor receive these goods. 

Based on my experience with this claim, I must conclude that Barclays desires to dissuade cardholders from proceeding with even valid charge disputes, as this is by far the most difficult time I have ever had disputing a charge. Moreover, for you to hold records in your possession demonstrating that the charge is fraudulent and still refusing to refund the money unless I jump through various hoops mandates a careful review of your processes to avoid consumer abuse. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Delaware Attorney General, Consumer Division
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are 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/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Debt collection

To Whom it May Concern : On XX/XX/XXXX Credit Consulting Services sent various documents that I requested as they pertain to a debt that is in collections from XXXX XXXX in XXXX, California for {$240.00}. I requested these documents because I do not understand why the said amount is being charged to me from Credit Consulting Services and XXXX XXXX. This charge currently stands at {$260.00} on my credit report and that includes interest being charged by Credit Consulting Services. The documents that were sent to me on XX/XX/XXXX still do not explain the balance due. They show charges, payments, and balances of various amounts. For example, one document shows a proration amount of {$330.00}. Others show proration rates of {$240.00} and {$290.00} respectively. I was never sent a bill that is itemized and includes details of what I am specifically being charged for. This schema repeats in other miscellaneous documents that were sent in the packet. Again, is not clear what that charge that is in collections specifically represents or addresses. As such, I have communicated with Credit Consulting three times requesting a document that itemizes what the {$240.00} is specifically for. As of XX/XX/XXXX, Credit Consulting said that XXXX XXXX had 3 days to send them the requested documents. However, on XX/XX/XXXX I received a call from Credit Consulting stating that they would not send me the information, that they didn't have to send that information to me, and that they didnt have my address. I asked the person on the for assistance in understanding all of this and they noted that they hadn't looked at the documents themselves. This has been audio recorded by Credit Consulting. After every attempt to obtain the itemized bill the collector hung up on me. I am also disputing the fact that they did not have my address because it is clearly printed on all of the documents that they have sent to my address thus far. At this point, a charge has been in collections for over 6 months and I have put forth every effort to obtain a final and itemized bill in order to address the charges, yet I am being refused this information. It is now impacting my XXXX credit report. 

Also important, there is a document in the original packet of information that was sent that includes a copy of the move-in/move-out documents that are related to the charges from XXXX XXXX. I am being accused of leaving the apartment in a condition that is different from when I moved in. One that is damaging. The document that I received is mostly illegible but it supposedly substantiates that claim. And the final page of the form has my name filled in in the signature field. That is not my signature. 

Due to the fact that Credit Consulting is refusing to provide documentation that itemizes and rationalizes the charges I am lost as to where to go next.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that the Equifax Credit Bureau is not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint once again to help establish a legal recourse. My information has been exposed in the Equifax data breach. The following inquiries and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have already grew tired of the Credit Bureaus ' stall tactics and their choice of not having the disputed information removed from my Credit File. I am now willing to file a lawsuit against the Equifax Credit Reporting Agency in the event that they still would not remove the disputed items completely from my Credit File. If it is not too much to deal with than facing a lawsuit, please remove the following items removed : XXXX date of inquiry XX/XX/2021  XXXX date of inquiry XXXX/XXXX/2021
Product: Student loan

My loans are held with University Accounting Service LLC and were serviced through the XXXX  XXXX XXXX XXXX XXXX XXXX. I graduated XXXX in XX/XX/2020 and my payments were scheduled to go to the full principal out-of-school amount in XX/XX/2020, but I am in XXXX  school now and confirmed with them I could continue making interest-only payments ( the in-school mode ) until I graduated XXXX  school. I sent them my enrollment verification on XX/XX/XXXX and receipt was confirmed XX/XX/XXXX. When what was the grace period if I had still been out of school was up they started charging me the full principal amount. I have called four times and they won't fix it. 

I called in XXXX and asked them to fix it and they told me to wait 10-15 days and the change was effect. 

I called on XX/XX/XXXX asking them to fix it and they confirmed my status was " in school '' and to wait 10-15 days to fix it. 

I called on XX/XX/XXXX ( as the change has still not taken effect ) and they gave me the same answer, and she told me she would rush the change so it would take effect before my XXXX payments came out. 

I called on XXXX XXXX after a full principal payment had come out and he said wait 10-15 days and it would be fixed. 

It is XX/XX/XXXX and the full principal amount is scheduled to come out of my account in XXXX. 

My usual in-school interest only payment amount is an average of {$410.00} dollars. I was charged {$930.00} in XXXX, {$1200.00} in XXXX, and {$930.00} in XXXX. 

Last year I had an issue with them where they had not connected a new loan I took out for school to my account so I was charged interest and default charges and had a late payment on my credit report even though the loan was not on my account. They fixed it and the charge cleared off my credit report but I was still charged excess interest for the period I did not have the ability to pay the loan because it was not connected to my account. So this is the second major issue I'm having with them and don't know how else to resolve it.
Product: Money transfers

I submitted a request to transfer funds from my Paypal account to another person 's Paypal account on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received a notification from Paypal that the funds were transferred. I contacted Paypal on XXXX to ask why it took 7.5 weeks and I was never notified they were holding the funds. The rep apologized, said that was not their practice but could not explain why this would occur and suggested I send an e-mail to their Compliance Department. I did. No response. I called on XXXX and XXXX, with each rep saying I should have been notified and would look into it. I called on XXXX and requested compensation for the holding of the funds, the lack of notification and the lack of any response to my e-mail and phone calls, I was told the case is closed and I would be better off going to the Attorney General. 
Although, I am not out the funds I feel the practice of them holding funds for 7 weeks and their lack of notification should come with some penalty. Please advise if this is an acceptable practice. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX
Product: Debt collection

Receivables Performance Managemet calls multiple times a day looking for someone who is not us. We have told them they have the wrong number but they continue to call. Furthermore, most times when they call and we answer, they put us on hold then hang up on us. We then have to call back to talk to a human. When we call back, about 50 % of the time, they hang up and 50 % of the time someone answers. This is extremely unprofessional and frustrating, especially when we have told them that we are not the person they are looking for.
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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX is deliberately suppress my actual payment amounts from the nationwide consumer reporting system. This failure to report actual payment data means my credit reports are missing fundamental information about my credit card repayment behavior that could help my receive better financial offers and save on interest expenses. My credit reporting on XXXX dropped XXXX points as of XX/XX/2023 as the result of increase of one card 's balance, but no reporting of the significant decrease of XXXX card balance from {$4000.00} to {$2500.00}. By suppressing actual payment data, XXXX is making it harder for me to shop for credit and save money on major purchase such as refi home, home improvement, business credit or vehicle.
Product: Checking or savings account

I made a purchase on XXXX for portable air conditioner. I provided my debit card number to the merchant for the purchase. I did not have to provide my PIN number using the card for the purchase. Within a couple days I realized that it was a fraudulent website and disputed the transaction with Associated Bank. I also got a replacement card in the event the merchant tried charging my card again. I received a letter from Associated bank indicating that since I authorized the charge by providing my information there was nothing that could be done even though I explained that I found numerous other shell sites with the same basic format. Accociated bank provided me with the business contact information for the charge but had never investigated the transaction details to realize the phone number was a fake number. I have never received my product or a credit from my bank since XXXX.
Product: Mortgage

I want to file a complaint against Ocwen loan services now called PHH Mortgage and the investor of our mortgage XXXX XXXX XXXX XXXX XXXX. I have had a previous complaint # XXXX. PHH Mortgage ombudsman were communicating with us about our original XXXX modification application that they inherited. PHH said they did not have a copy of this modification or the application we also submitted to Ocwen when they took over our account.Mr XXXX and Ms XXXX from the ombudsman team said their legal team would only talk to us if we produced a copy of the modification from XXXX as Ocwen does now have a copy. The next two weeks were spent reaching out to and emails to XXXX XXXX who owned the account before they were liquidated .I have email and phone calls from XXXX that they would not have any copys or original as Ocwen has all the files.We were like a donkey chasing it's tail writing emails and phone calls when Ocwen had them all along. Ocwen and XXXX XXXX XXXXXXXX attorney Mr XXXX sent us some paper work from his reviews on our case and he happened to send us the copy of the XXXX application. We contacted Mr XXXX his response you will need to prove that Ms XXXX and Mr XXXX said they did not have them. I informed Mr XXXX my calls were recorded by Mr XXXX. Mr XXXX response was they probably did not understand what you were asking them. Ms XXXX and Mr XXXX hold senior roles in the ombudsman department. If they can't understand clear English they should not hold a position of this manatude. My command of the English language is from the XXXX XXXX and is my first and only language.Mr XXXX has been asked a question by me his only response is I can't give you legal advice. There is one covering for each other here. Letting us chase after files that they already had getting another company involved XXXX XXXX. There is no shame or respect for people here. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some account from my credit report that transpired because of a FRAUD yet I have certain account passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. XXXX XXXX XXXX XXXX XXXX : {$13000.00}
Product: Credit reporting or other personal consumer reports

I  DO  NOT BELEIVE  THAT  NAVY  FEDERAL  HAS  ACTED  WITH  MALICE  TO  VIOLATE  CONGRESS  LAW  INTENTIONALLY. THIS COMPLAINT IS TO SHOW THE CONSUMER FINANCIAL PROTECTION BUREAU OF MY NOTICE TO NAVY FEDERAL  OF THEIR UNLAWFUL FURNISHING OF MY PRIVATE TRANSACTIONAL INFORMATION THAT CONGRESS DEMANDS BE EXCLUDED FROM A CONSUMER REPORT UNDER 15 USC 1681a 2 ii  AND 16 CFR 313 WHICH IS ALSO A VIOLATION OF MY PRIVACY PER THE PRIVACY ACT OF 1974  AND THEIR DUTIES UNDER 15 USC 6802.------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOONE CAN FORCE OR ASSUME CONSENT----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------THIS NOTICE IS TO MAKE THE CFPB AWARE THAT NAVY FEDERAL  HAS BEEN MADE AWARE OF THEIR  ACTS AND HAS BEEN DEMANDED TO CORRECT THEIR  ACTIONS-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------SEE ATTACHED LETTER-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ALL FUTURE COMMUNICATIONS AND ANY REFUSALS TO DO WHAT IS RIGHT WILL BE KEPT AND RECORDED FOR EXHIBIT PURPOSES TO PROOVE WILLFUL NEGLEGENCE AND HARM TO THE CONSUMER AS WELL TO PROOVE AND SHOW A TOTAL DISREGARD OF THE CFPB AND AND DISREGARD OF NAVY FEDERAL OBLIGATIONS UNDER 15 USC 6801
Product: Mortgage

AmeriSave Mortgage Corporation, NMLS ID # XXXX During a refinance application, this company inserted an origination fee in the final closing disclosure of the process, shortly before closing date without any clarification or notice of this fee being added. I sought for an explanation for 2 different representatives no less than 3 times, and received no response. Despite this, the company continued to push me for more documentation to complete the closing process. I cancelled the application with the company as I refuse to do business with an intentionally deceptive company. 

It is clear to me that their intention was to slide in a fee that I had previously said I did not want at the last minute in the hopes that I wouldn't notice or complain.
Product: Credit card or prepaid card

On Thursday XX/XX/XXXX I logged into my Capital One credit accounts and noticed one of my accounts was closed. When I contacted Customer Service to inquire why this had taken place I was told that it was due to inactivity. I became very upset especially since this happened to be the oldest credit card I had and closing it would certainly have impact on my credit score.  I was then transferred to a supervisor who essentially repeated the same information. 
Of course I asked if it was possible to re-open the account and I indicated that I would certainly use it but I was told that this was not possible. 

I found this action to be extremely unprofessional especially given the fact that I have another credit account with Capital One for {$30000.00} which I use very frequently without a single missed payment. So I couldn't understand why they would close this smaller account with a significantly smaller limit of {$2000.00} and without providing any notice that this was going to take place. It became very obvious after speaking with the supervisor that this was an automatic action that takes place if a card is inactive for a certain # of months. I'm sure this automated action may seem reasonable to whomever devised this system but to not take into consideration the standing of other active accounts or consider the age of the account being closed and how it might impact a clients credit score without any notice is a perfect example of failing to provide basic Customer Service.
Product: Credit reporting

I have requested my credit report several times from all XXXX major credit bureaus, however, I have only received responses from XXXX. I have sent in all required documentation at least 3 times but I have not received any response. I understand that I am entitled to receive at least XXXX free annual credit report and that I am also entitled to receive a credit report anytime I am declined for credit and also when I add a security alert to my credit report. I have cited all XXXX reasons to XXXX and Equifax and I still have not received my credit report.
Product: Credit reporting or other personal consumer reports

The following Accounts were paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called Money Gram to cancel the transfer because after trying to do it in their website is showing the optionto cancel but it was not responding. After I submitted my claim They give me the claim # XXXX The scam was by someone using XXXX XXXX pretending to be my sister requesting to do her a favor to make a transfer to a XXXX XXXX in XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and because my sister has a business in XXXX, the ( hacker ) and she said that she wasnt free to do it herself, Until l2 hours later another sister give the alert to the family about my sisters phone was hacked. The total deposit was for XXXX. Dlls Money Gram Payment Service receipt that I got for this transaction said the money will be available in the destiny country until XX/XX/2024 but they said they cant do reimbursement after the money is sent. So I told them why is showing the option to cancel. They did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

i still appear on an account that is not mine XXXX court papers that i already send it to trans union and XXXX and they dont read that after 30 days of my divorce the house belongs to my ex wife and they still putting the house on my credit reports and im having problems to get another house beacuse of thet .Im tire of sending the courts papers and nobody cares can u help me? Thanks in advance the only company that work on my case and clear everything are XXXX and im greatfull to them
Product: Credit card or prepaid card

My application for a barclays Card was denied. The reason for the denial is that I have sufficient Credit on another Barclays Card that I have had now for about 3 years.
Product: Credit reporting or other personal consumer reports

These hard inquires on my accounts are in violation of 15 U.S. Code1681s2- Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) The creditor reporting this inaccurate accounts failed to notate these accounts were dispute within 30 days..