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

I made an online purchase with my TD credit card on XX/XX/22 that had a time-sensitive arrival. The merchant ( XXXX XXXX XXXX ) failed to make good on their promise to get it to me on time. While working out a resolution, the merchant stated they would provide me a full refund. Over the course of a month, I continued to reach out the the merchant, who would then not honor the original commitment to provide a full refund. They ended up completely ghosting me ( wouldn't return my emails ). I maintained excellent records of all emails sent back and forth to prove the merchant rightfully promised a refund. 

I reached out to TD Bank on XX/XX/22 to dispute the transaction. They provided written confirmation by mail that they were initiating the chargeback and would notify me when the matter was resolved. They provided the case number XXXX. 

On XX/XX/22, TD Bank mailed me a notice stating ( summary ) that they had tried to reach me by phone and mail for information, and since they did not receive a response, the case was to be closed. I received this notice on XX/XX/22 and promptly called their dispute department. 

I explained that I had never received any written communication requesting information ( which can be proven by my subscription to XXXX Informed Delivery ). The clerk stated they would reopen the claim and asked that I fax requested information to them. I promptly gathered the email chain as proof of the interaction with the merchant, adding a detailed letter, and faxed it to the number provided. 

After several weeks without any update, I called the dispute department again on XX/XX/22. After a very long hold, the clerk was not able to provide much new information, only that the fax I sent on XXXX was received and the transaction was still being investigated. 

After another week without any update, I called the dispute department again on XX/XX/22. After several holds and several transfers, I was told it could still be weeks for an update. I explained I would would be initiating a claim with CFPB, as it had already been 104 days since I initiated this dispute. The clerk stated I should open a new claim, which they could attach all of the previously provided information. They stated this would be the best way to get this dispute in front of those that can make a decision. I allowed this, as I simply wanted to get this claim off of my radar and hear the determination.
Product: Student loan

My student loan payments should qualify for Public Service Loan Forgiveness as I work for a qualified employer and have made regular payments over the past ( approximate ) 7 years. My loan servicer has not qualified all of these payments and I would like to know why. I requested a payment tracking letter from XXXX  XXXX   regarding payments that qualify under the Public Service Loan Forgiveness. I requested this breakdown of qualifying payments approximately XX/XX/XXXX. I was told that it would take up to 2 months to complete. I checked back in XX/XX/XXXX - it was still reported not complete. I continued checking in every few months and was told that it was finally complete in XX/XX/XXXX and would be sent immediately. I never received the payment tracking letter and have continued calling to check up on/request it and have still not received the promised payment tracking letter.
Product: Student loan

I started going to XXXX college to take courses to qualify for XXXX in my state. Nelnet put me on automatic deferment. I have no major concerns with that, but what has really pissed me off is that I have called on multiple occasions to tell them to reinstate my automatic ACH payments. I have money to pay for my student loans and do not need nor do I want the deferment. It is now XXXX and I am seeing that my last payment was made on XXXX 2016. There is no way I can payback multiple months. But they need to reinstate my ACH payments! Why are they refusing to do this? I have a right to pay my debt!
Product: Checking or savings account

Robinhood XXXX  is not giving me real time pricing. Their lack of information has caused me to make a lot of decisions that have lost me money. They are not filling my orders despite placing limit orders. I have options contracts that are not reflecting the current prices. They are not interested in giving me the appropriate information about my account as a consumer.
Product: Bank account or service

I recently notified my banking institution, Merrill Lynch, that my husband and I were traveling outside of the country and wanted to use our debit cards while traveling. The bank was courteous and notated the accounts of our impending travel. I was able to use my debit card while in XXXX and had a wonderful life-altering experience. Upon our return to the States, our accounts were frozen without any notice. We contacted the bank and were told a multitude of possible reasons by several representatives to include the following:1. I attempted to login to my account while XXXX2. My husband carried a negative {$17.00} balance on XXXX of his personal accounts that was not tied to my personal account3. Our accounts were XXXX XXXX Accounts and we were n't conducting any share purchases. 
Of note, we XXXX held our accounts with Merrill Lynch for over two years without issue. Ultimately, my issue is not the bank 's ability to terminate our banking relationship. My issue is that the bank has put a hold on my assets without any legal justification. I have been told by several Merrill Lynch Representatives that I can not access my funds until the Operations Team Lead, XXXX XXXX XXXX, lifts the hold on my account. In the interim, I have no access to my money. The hard-earned money that I got up and went to work for has been seized for more than forty-eight hours because a too big to fail financial institution arbitrarily decided to terminate our banking relationship. This situation has left me void of funds to file my taxes timely, pickup prescriptions XXXX and the like ; yet no one seems to feel this situation warrants immediate action. Additionally, any transactions that were due to hit my account will be returned. Again, no one sees an issue with this banking institution 's ability to bounce transactions in my name. Last I heard, XXXX XXXX XXXX 's name is not currently being dragged through the mud with a insufficient funds sign attached to it. I am utterly appalled and quite frankly disappointed that in this country, consumers can be treated in such a vile way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

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

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

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ive been unsuccessful having Bank of America apply my lump sum mortgage payments appropriately to payoff the loan in full, stop being charged interest and receive the balance of my substantial escrow funds. Ive attempted on at least four separate occasions starting approximately XX/XX/XXXX to get an accurate payoff, after which I sent funds in excess of the amount required only to find that the funds were misapplied to a suspense account-effectively putting them in a XX/XX/XXXX account while B of A collects interest on my money. Each time Id get a new bill with an outstanding balance. And each time Id call back, ask what happened- B of A would say sorry, they didnt know where to apply the funds, theyre in a suspense account, Ill have it corrected, but you still owe {$890.00} Id send the new payoff. The next call, when the funds werent applied, went the same path with B of A apologizing for misapplied funds that went to a suspense account followed by a new payoff quote of {$10.00}. Undeterred I went to my local bank and wired {$100.00} ( 10x what they requested ) as per their wiring instructions. Again B of A promised resolution, payoff and my escrow funds. They got it wrong again. Instead of a payoff and funds I got a new bill with a $ XXXX balance. Im on the phone with B of A as we speak on XX/XX/XXXX. Guess what, same apology, same suspense, misapplied funds explanation saying well get it corrected, well give you proof of payoff and balance of escrow. I have zero faith this will be accomplished. My request : please get me proof of payoff and escrow funds, retro to my original request, along with any accrued interest. 
Please consider conducting a full audit of B of A servicing and control practices. If this is happening to me, a long term client ( who has never made a late payment ) Im fairly certain, other clients funds are being misapplied, mismanaged, perhaps costing clients hundreds of thousands of dollars in aggregate
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report with the XXXX on XX/XX/2018. This is the report number : XXXX. XXXX is not removing the inquiries and accounts associated with this report of identity theft. I spoke with an agent from XXXX on XX/XX/2018. The agent said that he would remove the inquiries immediately and furnished the following confirmation number : XXXX. Upon calling for an update on XX/XX/2018, I discovered that the agent did not remove them as promised- despite me furnishing XXXX with the identity theft report, confirmation # XXXX.
Product: Credit reporting or other personal consumer reports

RE : Inaccuracies report to credit file & Violations of my Consumers Rights. 

I am contacting you because I recently pulled my credit report, and I found some information that is inaccurately being reported. Below are accounts that are displaying as being charged-off, if these accounts were indeed charged-off, then why didnt I not receive a copy of a 1099C from the creditors. They received a tax write-off, and I should not have this debt reported on my credit profile. Therefore, send me any forms or any documentation showing that you have the right to report this as a debt. If you can not provide this information, please remove the mentioned accounts from my credit report immediately. According to the IRS, cancelled debt ( charge-off ) is gross or ordinary income. Therefore, these charge-offs are considered as income and income should not be reported on my consumers report. 

Account Names and Account Numbers : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is a violation of my consumers right, according to the Fair Credit Reporting Act FCRA : 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Checking or savings account

Navy Federal has decided to practice extremely unfair mobile deposit practices. Their terms and condition state that you have to receive a approval email before XXXX otherwise it will not get processed that day. Although their customer service team clearly tells you that you can make a deposit at XXXX  Also I have been with this bank for several years, with great understanding of how they work, it's not fair.
Product: Debt collection

I was the victim of identity theft and to the best of my knowledge credit cards were opened in a variation of my name and checks were fraudently made in my name draining my account. I reported this to the local sheriffs office and called in to the credit card companies and asked the accounts be canceled as they are not mine and I do not want anything to do with them as they are based off of fraud. Years later. Debt collection companies purchased my information and are attempting to collect debt that is based off of fraud. One company is XXXX XXXX and the other is Midland Credit Management. Both junk debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix my issue with Experian numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed Experian is reporting the views on the cumberland was opened on XX/XX/2016. Then on my XXXX report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX  they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX with no response.

There was a lot of errors with XXXX  on this account and as yet to be settle.
Product: Debt collection

This company Midwest Recovery appeared on all three of my credit reports. I have never heard of XXXX XXXX they have them listed as the original creditor. I have written the company to validate this collection and have not received any response. This is not my account. I have never applied for a payday loan. I would like this removed from all 3 credit reports. The amount {$600.00}. They put this account on my credit on XX/XX/2017.
Product: Checking or savings account

On XX/XX/XXXX I noticed 2 transactions on my account from a XXXX for XXXX and XXXX. I immediately disputed the transaction and checked my email history. I showed a transaction several months ago for tickets that i never purchased or authorized to be purchased. I reached out to sonic temple and was told they wouldn't do anything to fix the transaction. I disputed the charges and the dipsute was denied XX/XX/year> and i was charged XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian that my address had been changed. I have this credit guard thing with them, got it free when they messed up recently. Well I tried to log into my account and could not, tried to change my password and username and could not. Their site is not working properly. 
Then I tried to call them, was on hold for over 30 minutes without anyone getting on the phone with me. 
I dont know what do do Im calling again now and have been on hold again for over 20 min without anyone responding to my call. 
What, I just let the people who changed my address get away with this. Nice job Experian!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX, XXXX. XXXX Balance : {$13000.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for any debt with XXXX XXXX Apartments I dont not have a contract with XXXX XXXX XXXX and after numerous attempts to resolve this inaccurate information being reported on my credit they have failed to send me a copy of the contract as requested
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2024 XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to rectify the matter regarding my student loans with XXXX. After receiving correspondence that my student loans were in deferment last year due to the government protections put in place because of the pandemic, this year in XXXX, XXXX made all of my loans due and has reported me delinquent to all three credit bureaus for 6 months. In addition, interest has continued to accrue and I have received numerous calls and notices in the mail regarding the loans. I was once advised that the loans were not federally backed loans which is in contrast to the way they are reported on the XXXX site as XXXX loans. XXXX  loans fall under the protections that XXXX and the XXXX of the United States have put in place since XX/XX/XXXX. 

XXXX is taking advantage of student loan borrowers and destroying personal credit that so many of us have worked so hard to build.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I am aware of my rights as a consumer and it has been brought to my attention that my rights have been violated with this company in the past. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), The Truth In Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). For years I made payment towards this debt when in fact I did not owe. I am the original creditor. Santander is not the original creditor. Santander is a debt collector 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). 
I extended my credit and filled out and submitted a credit application to create this debt. I used my credit card number on the credit application. Credit from my open-end credit plan funded this consumer credit transaction. Unauthorized use occurred as defined in 15 U.S.C. 1602 ( p ), ( as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ). For years I continuously made payments towards a debt that was already paid yet was harassed, threatened with late fees, potential repossession as a result of missed payments, etc. 
At the time I created the debt my name was different. I have since had a legal name change. So the account associated with my SSN will reflect my former name. 
I am enclosing a copy of a credit report which shows Santander reporting. I paid the entire {$10000.00} balance in full. If this matter is not resolved I will have no other choice but to file a civil suit against XXXX in Federal Court for discrimination under the Equal Credit Opportunity Act because I am exercising my consumer rights under this chapter. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), ( It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. ). 
I look forward to your full cooperation in this matter.