23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I have {$31.00} left in due in the account, and Im requesting a refund from XXXX because I havent received my order and they refund some money but no full amount. Ive disputed the order on Affirm, but theyve denied it. I hasnt gotten what I ordered, but the team hasnt refunded the full amount, and Affirm isnt providing any assistance.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX Balance due : {$4700.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. 

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option.

I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law.

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to Experian to remove XXXX XXXX XXXX from my credit report and no adjusment was made. I followed up with XXXX XXXX XXXX requesting 1099C ( Cancellation of Debt ) over 30 Days ago. This auto loan was charged off for the amount of {$66000.00}.
Product: Student loan

Hi XXXX, It has been a while since we open the contract ( XXXX XXXX XXXX ) for XXXX and me. The contract is due to closed in XX/XX/XXXX for both loans, however, there is a hiccup in the system that closed only one loan ( {$29000.00} ). 

I tried to resolve this many times, but customer service and the manager will not give me a clear answer as to what happened. XXXX XXXX customer manager stated the loan is closed and we need to open a new account. The settlement fee is overstated based on {$71000.00} and not {$29000.00}. 

I am attaching documents to support the two loans that was handle in error. In addition, {$14000.00} was returned to my checking account. 

Please respond as soon as information is available. 



XXXX XXXX XXXX home XXXX cell I called XXXX and no one in the company knows XXXX XXXX. The settlement amount was {$57000.00} for both loans an 80 % settlement fee. I need {$15000.00} returned to me to pay XXXX XXXX XXXX. The money to my checking account ( XXXX ) has been paid to XXXX XXXX XXXX. 

I lost faith in the way Freedom Relief has handled my account. The contract was set for me to pay {$1400.00} and I did this for three and half years. My account was at {$60000.00} before the settlement approval of {$57000.00}. 

Please assist I have contacted more than twice to have this corrected, and I have been circled with many representatives who will not give me information. 

This is who XXXX XXXX sent me in XX/XX/XXXX. 

On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : Hello XXXX, I just tried to call you. XXXX is on the paperwork also and I used your email address for both of you to sign. 

Once we remove the XXXX XXXXXXXX account, we can take him off this also. 



Just wanted to let you know. 



Call me if you have any questions. 





XXXX XXXX | XXXXXXXX XXXX XXXX XXXX Freedom Debt Relief Direct : XXXX | Toll Free : ( XXXX ) XXXX XXXX | Fax : ( XXXX ) XXXX | freedomdebtrelief.com
Product: Credit reporting

A circuit court public record #  XXXX  popped up on my Equifax credit report TODAY  XXXX   XXXX ,  XXXX . The account shows a report date of  XXXX   XXXX . I have received several credit reports directly from Equifax in  XXXX  and this erroneous public record has NEVER been on any of them. I have no knowledge of this public record and Equifax is reporting this negative account a year later. Equifax has a section designated for public records, and this public records did not report as of  XXXX   XXXX . We are in the year of  XXXX , I have no knowledge of this year old account.
Product: Money transfer, virtual currency, or money service

SIGUE CORP IS KEEPING SENDING CHECKS THAT DON'T HAVE FUNDS
Product: Debt collection

They call every day sometimes multiple times. I have sent written notification to US Bank not to call. This company refuses to even provide me information on who they are or how to send them written notice to stop calling. I have medical issues that these calls cause XXXX. I have asked them to stop calling and to please just file a lawsuit. They refuse. This latest call they claimed to be US Bank. Come to find out, they are n't US Bank, they are a third party collection agency violating the collection laws. They have sent no communication through the mail identifying themselves. They refuse to give any information as to who they are and flat out refused to give me an address so that I could put them on notice in writing not to call any more. This has gone beyond collections into harrassment just for the fun of it.
Product: Vehicle loan or lease

In XXXX I had an active car loan account with OneMain Financial. I fell behind on my payments due to an injury that kept me out of work. When I eventually returned to work my car broke down, I called Onemain and let the manager know that I would be getting another vehicle from a dealership and asked if I would be able to consolidate my new loan with my existing loan, the manager told me I could. She told me to go the the onemain website to set everything up. When I went to the onemain website I was denied. The reason was because I had an existing loan, even though I was told they could do the consolidation. 

Because of the amount, I told the manager that I would not be able to pay two car loans. Onemain continued to charge my account even though I voluntarily gave up the account. This past XXXX they finally placed my account with a collections agency. I was misled about my ability to combine my new vehicle with my old account, if I was given accurate information it would have definitely changed my plans on a purchase. I would have looked to buy an old used vehicle outright for less money while continuing to pay off the loan. Now my credit has been dinged because of misinformation.
Product: Credit reporting or other personal consumer reports

eoscar is not investigating my disputes. 
RE : Formal Complaint Regarding Repeated Failure to Investigate Dispute - Account Number : XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX, and the unverified bankruptcy Dear Transunion Dispute Department, This letter serves as a formal complaint regarding your repeated failure to conduct a thorough and reasonable investigation into my dispute concerning an inaccurate trade line on my credit report. I have disputed the following account, account number [ Inaccurate Account Number ], approximately ten times, and each time, you have failed to properly investigate the accuracy of the information reported.

The inaccurate information reported is as follows : *The Bankruptcy is not verified. I called the court. Who did you speak to? JPMCB accounts listed have not been investigated, I know because there's still missing payment histories on all three listed accounts. XXXX  payment history is still inaccurate. You refuse to investigate my disputes. You Transunion are breaking the law.

documentation in support of my dispute : * copies of bank statements, FTC reports, other disputes on the accuracies Despite these submissions, you have repeatedly failed to : * Conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ).

* Contact the furnisher of the information to verify the accuracy of the disputed information. 
* Provide me with the results of a thorough investigation. 
* Remove the inaccurate information. 
Your failure to conduct a proper investigation constitutes a violation of the FCRA, specifically Section 611, which mandates that credit bureaus conduct a reasonable reinvestigation of disputed information. 
I am requesting that you : * Immediately conduct a thorough reinvestigation of the disputed account.

* Contact the furnisher of the information and obtain verification of the accuracy of the reported data.

* Provide me with written documentation of the results of your investigation, including the methods used and the information verified. 
* Delete the inaccurate trade line from my credit report immediately. 
I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you fail to take immediate action to resolve this matter. I also intend to pursue all available legal remedies to protect my rights under the FCRA. 
Please provide a written response to this complaint within 30 days, detailing the steps you have taken to address this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

I am attorney for an estate. The deceased had a mortgage which was in arrears due to her being in a XXXX home and no one paying on it. In XXXX after a personal representative was appointed to settle the estate, we advised the lender in writing we were selling the home. The lender had previously sent an XXXX XXXX XXXX notice re intent to foreclose but never initiated foreclosure ( I checked the County records on XXXX XXXX ). We paid the loan off XXXX XXXX at closing on the sale by wiring funds and have confirmation the funds were received. The payoff included {$890.00} in attorney 's fees, but Pa XXXX XXXX only allows {$50.00} to be collected prior to initiating foreclosure. I had my partner email my complaint about this to the lender XXXX XXXX before closing and was promised a written response in 10 days which I never received. We paid the disputed sum at closing so as to be able to complete settlement. Then yesterday XXXX XXXX, I was advised that the lender had shown up at the house ( 2 weeks after the loan was paid off and title transferred ) and wanted to board up the house. The buyer, in a panic had contacted the realtor who called the title insurance company which called me. I spent 2 hours on the phone with the lender trying to reach someone to resolve this and was never able to talk to anyone with any authority or interest in trying to resolve any of the above.
Product: Checking or savings account

XX/XX/year> I received XXXX overdraft fees of XXXX each. I called my branch asked to speak with manager who was out. The rep I spoke with when I asked about crediting my fees said she wasn't authorized but would have manager call me next day. I asked if I made a mobile deposit that day if I would incur an additional fee & she said no the deposit would go through first ; I asked her 3 times. She gave me incorrect information as I received another {$35.00} fee. Next day I called branch again & was told manager not in - different employee again who was extremely condescending to me ; just asking questions that made me uncomfortable. I then called customer service line & was given XXXX {$35.00} credit & was told message being sent to branch manager & they would call back next day. No call - I called & finally spoke with manager - wouldn't credit the fees & was extremely rude-I told her how I was given wrong information- she didn't care. Then she proceeded to give me more wrong info about why I got the fees. She was so rude I asked to speak with her boss- XXXX XXXX district manager. She said she would call me right back. 10 days later & no call- this is horrible service they don't care how much they charge & have no respect for the customer at all. I didn't receive the documentation about the why the fees incurred until one week later.
Product: Debt collection

My 2nd insurance paid {$2300.00} out of {$3100.00} leaving me with a balance of {$770.00} for XXXX. I called XXXX XXXX XXXX XXXX Hospital billing department to let them know that I had XXXX  XXXX on XXXX and XXXX on both of my XXXX and was out of work until XXXX and would not get paid until XXXX. I made arrangement to make 6 payments of {$120.00}. I made the first payment on XXXX of {$120.00}, but could not make the payment in XX/XX/XXXX. I called the billing department at XXXX XXXX XXXX Hospital and they agreed to let me double the payment in XX/XX/2021. On XXXX I made a payment of {$120.00}. I recieve a letter from HSI threatening to put the bill on my Credit Report if I did not make the full payment on {$770.00}. I explained to them that I was on a payment plan but they did not want to hear. I asked to speak to a manager but of course they would not get one. I hung up the phone and called XXXX XXXX Billing Department. They stated that they was going to send a letter to HSI to let them know and to continue making payment as agreed. I made another payment on XXXX of {$120.00}, once again I got another threatening letter stating that I need to make my payment by XXXX and the balance of {$510.00} or they will put the bill on my Credit Report. I tried to reach out to HSI but they had an answering machine on and I could not leave a message. This is the 4th time that I have had a problem with this company putting bills on my report and having to go back and remove. This company is a problem they do not take the time to verify anything they just put bills on your Credit Report that is wrong, misleading and inaccurate or outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now the third time I have disputed this duplicate mortgage account. I have tried many times to dispute this through the Equifax website but they keep returning that the account is correct. This is a duplicate mortgage account with the same servicer, same account number etc. Twice they have said they have removed the account but the problem remains that they are deleting the correct account. Because of this each time they say it is corrected and the next month rolls around where I make an on time payment the account is duplicated yet again. 

The correct account is XXXX XXXX with a balance of {$270000.00} last updated XX/XX/2023. 

The duplicate account is : XXXX that has not been updated since XX/XX/2023 with a balance of {$270000.00}. This duplicate account has not been updated since my last dispute which is why the amounts do not reconcile. The address is XXXX Old XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

I have attached a screen shot of the two accounts with the correct XXXX account and the duplicate XXXX  account clearly marked. 

Please delete the correct account. If you delete the correct one again this will just happen again next month.
Product: Student loan

A party calling themselves XXXX contacted a 3rd party regarding student loan debt at their Home ( showed up at the doorstep of a family member of the person who received the student loan ) asking for XXXX on XXXX/XXXX/16. The sister is not XXXX 's wife or attorney making this contact illegal. The same sister was called several times on XXXX/XXXX/16 and would not divulge their purpose. Again illegal. Further investigation found this company to actually be PNC financial services. This came after XXXX 's wife asked PNC to cease contact with her as XXXX was away on a XXXX. PNC has been consistently harassing XXXX even when he is away at XXXX sometimes for as long as 6months. This is harassment on every legal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX account is showing first delinquent date past Georgia Statute of Limitations law of 6 years request removal from all Consumer Reporting Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with  XXXX   XXXX   XXXX  back in  XXXX  ; however, I did have their equipment which was showing that I owed  XXXX   XXXX   XXXX  {$500.00}. On  XXXX / XXXX / XXXX  at  XXXX , I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called  XXXX   XXXX   XXXX   (  now known as  XXXX   ) one week later asking on when my credit report would be updated accordingly. I  was then advised that I owe {$220.00} from a previous address back in  XXXX . I explained that I did not have an account with  XXXX   XXXX   XXXX  back in  XXXX  -  XXXX  with the address identified, yet during that timeframe I did have an account with   XXXX   XXXX   And the account I held with  XXXX   XXXX  closed when I returned their equipment back in  XXXX . The representative explained that  XXXX   XXXX   XXXX  acquired  XXXX   XXXX  which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with   XXXX   XXXX    (  which I do not ) it is past the  statue of limitations to collect and merging a previous bill does not seem to be right. I the n asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information.  
  
 A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute.  
  
 I contacted   XXXX   by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with   XXXX    
  
 The issue here is that this information is still reporting the same on all  3 of  my major credit reports even after I returned the equipment to  XXXX   XXXX   XXXX  and was given a receipt that did not show information that there is a remaining balance.
Product: Credit card

Subject : Request for Goodwill Adjustment Late Payment Removal for Account Ending in XXXX Dear American Express Customer Service Team, I hope this letter finds you well. I am writing to formally request a goodwill adjustment regarding a late payment that is currently being reported on my credit file for my American Express account ending in XXXX. 

I am an XXXX XXXX of the United States XXXX and while serving overseas, I sustained an injury that required emergency XXXX. As a result of my medical condition and recovery period, I was unable to stay as diligent with my financial obligations as I normally would. During this time, any funds I received went directly toward covering my fathers medical bills, as he was battling XXXX. Unfortunately, he recently passed away, and we laid him to rest just last week. 

Additionally, I was a victim of fraudulent activity on my XXXX XXXX XXXX account, which further complicated my financial situation. I had placed a payment request to American Express before the fraudulent incident occurred. However, XXXX XXXX froze my account to investigate the matter, preventing my scheduled payment from being processed. Once I became aware of the issue and the bank completed their investigation, I promptly reprocessed the transaction using a security PIN. I have attached supporting documents that confirm I made the payment on time, and that the delay was due to the bank 's actions rather than my own negligence. 

I want to assure you that I am now fully recovered and back to work, with a strong commitment to settling all my outstanding financial obligations. In fact, I am in the process of securing a debt consolidation loan to pay off all my balances in full, including those with American Express. However, the continued reporting of this late payment is significantly affecting my ability to obtain such financing. 

As a long-time and loyal American Express cardholder , I kindly request that you remove this late payment from my credit report as a one-time goodwill adjustment. This gesture would mean a great deal to me as I work toward restoring my financial stability. I value my relationship with American Express and hope to continue using your services responsibly in the future. 

Thank you for taking the time to consider my request. I sincerely appreciate your understanding and any assistance you can provide in this matter. Please feel free to contact me at if you require any further information. 

Looking forward to your favorable response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I made a purchase and never recieved it. Item was signed for and it was not my name, which was confirmed on the XXXX tracking info. XXXX confirmed a error was made and told me contact merchant so I did. They said they can not help and dispute with bank, so I did. Citibank still wanted more info, so when I got the letter they sent I filled it out and emailed it in to the email provided to me by a representative with Citibank. I waited a while because the rep said my temp credit will take around 10 business days. When they failed to do that, I called and was told my claim was denied because I didn't provide info when I have email proof I did. It's in my " sent '' folder. I asked to appeal the claim and still have not heard back. My {$1000.00} is still missing and I was stolen from. This bank couldn't care less. I made this purchase LAST YEAR IN XXXX and still fighting for my hard earned money. I will never give up, that's my money and I won't allow Citibank to not provide protection for theft/ fraud when they claim they do. I would have never banked with them had I known they allow theft. It's like they are part of the scheme. I will take this as far as I need to.