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

XXXXXXXX XXXX opened a XXXX XXXX XXXX Mastercard credit card in our name without our authorization with Comenity. They charged our XXXX 's club annual renewal fee to the card. Since then my husband has tried three times to close the account. He paid the renewal fee on the phone and they told him they would close the account and remove all fees. Three months later we are still getting fees on the account. They tell us the account is closed. We have been cut off three times while trying to resolve this tonight. Then they told us they cant remove fees on a closed account. Now they are telling us that they will zero the account. 
Initial charge happened in XXXX. Paid the XXXX XXXX XXXX annual renewal fee on XX/XX/19 online so we could close the account and we were charged a late fee on XX/XX/19 for {$27.00}. The 2nd call was on XX/XX/19 and XXXX employee # XXXX said she cleared all of the charges which were processed on XX/XX/19 {$2.00}, XX/XX/19 {$2.00}, XX/XX/19 {$4.00} & {$2.00}. New fees were put on the account on XX/XX/19 {$11.00} for late fees and XX/XX/19 minimum interest charges {$2.00}. Today we talked to XXXX # XXXX who initially said that he could not take fees off of a closed account. I did let him know we were filling a complaint. He then said he talked to his Leadership Team and they would take the fees off. We never authorized this card and it took 4 months of calling to resolve and now we wait to see if we get another bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax responded XX/XX/XXXX to my CFPB complaint XXXX, that the disputed accounts are verified via the creditors. Thats a violation of section 603 ( e ) to have on my credit record any factual information that came directly from the creditor. Equifax also violated FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) for not sending a notice that I can request a description of methods & procedures used to determine accuracy. I am now requesting specific description of reinvestigation procedures used to determine the accuracy and completeness of the information given. Per section 611 ( a ) ( 7 ) within 15 days of this notice to provide those descriptions of methods and procedures. As Equifax has a responsibility to go above the original source ( the creditors ) of the information to conduct a reasonable reinvestigation under 1681 ( i ) ( a ) and do a independent investigation into my dispute which they failed to do. see : Cushman V. Transunion 115 F.3d 220 ( 3d Cir. XXXX  ). Only the consumer can verify any debt.
Product: Debt collection

On Friday, XX/XX/2017 I just received in the U.S. mail my annual " FREE '' copy of my " XXXX '' per my Due Process rights under the " Federal Fair Credit Act. '' Under the " Collection Agency Information '' there is a false collection debt entry by a " ERC ; XXXX, Florida ; XXXX ; ( XXXX ) XXXX. '' It also falsely noted : " Collection Reported XXXX '' for " XXXX '' for " $ XXXX. '' NOTE : This is the 3rd time that this " ERC '' collection agency has unlawfully noted this false debt collection onto my " XXXX '' without ever having contacted me in the last 2 years. I called them up on their toll free number ( XXXX ) XXXX and politely explained the facts. Their only telephonic response was " Pay the XXXX the {$760.00}, XXXX and we 'll delete it off your XXXX credit file. '' I explained to them again that I 've had " XXXX '' for over XXXX consecutive years and NEVER XXXX That this debt is NOT mine and that I 'm a victim of Identity Theft. '' They then just rudely hung up on me.
Product: Mortgage

I have been trying unsuccessfully to submit hardship documents to Ditech 's website. I receive an error message when I try to upload my documents, as well as when I try to submit a message via their messaging center on their website. The error message says to contact Ditech customer service via telephone for assistance, which I refuse to do because they have verbally abused me and lied to me when I spoke to their representatives ( XXXX XXXX and her supervisor, XXXX ) in the past. Please help me. I am simply trying to submit my hardship documents so I can avoid forclosure on this property for the XXXX time, after Ditech previously abused me by delaying their decisions and ultimately denying my XXXX short sale requests, as well as offering me a loan modification in bad faith that they subsequently changed the terms on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX RE : Records are still outstanding to this dispute and act or action of FRAUD. 

To Whom This May Concern : I need a formal written communication letter from Equifax Risk Managements legal department showing that such regulations in the Equifax Risk Management Credit Bureau where they have such rights to impose upon credit cardholders the rights to obtain such Internal Revenue Reports on consumers under Form 4506-C. A Form 4506 has nothing to do with a credit card dispute or a credit file inquiry. If such does produce such regulations stating such.

I too need the Department of Veteran Affairs Form received completed and signed off on under such record verification process. VA FORM XX/XX/XXXX XXXX, I signed off on and consented to receive such records before making a charge to any credit card on file or record. Where are those records under such signed authorization? All records must be dated before charging such a credit card on file and such reporting to the credit bureau as a line of credit extended or authorized by the cardholder. Where are such official and legal records? I need such official records that should show and tell anyone or everyone, that I am responsible for something that I never authorized. Equifax has nothing to do with my Income Tax Return and to have such business in sending me some Form 4506-C. Equifax Risk Management Legal Counsel is requested as requested before to cause this matter that is still not solved to this date. 

These records are still missing from the Consumer Financial Protection Bureaus System in nature to the event and activities conducted from XX/XX/XXXX XX/XX/XXXX under credit card number ending in XXXX. Where there is a charge, there are official and legal records. 

I need these records attached under an official and legal signature from someone in the legal department that you should have by now. I need these records under your next response for the records... 

Sincerely, XXXX XXXX XXXX Customer CC : Legal Review
Product: Credit reporting, credit repair services, or other personal consumer reports

I called bank of America to replace my credit card on XXXX.And the phone customer service told me the new card would be mailed within ten days, I waited two months, called and he said my credit card account had been closed. Then I called a lot of times to get the problem resolved for me. They said they closed my account because of a misunderstanding. Just the only credit card I have. So I don't have my full credit anymore. Resulting in me not being able to open credit cards anymore.
Product: Debt collection

I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 
I would like for the company to delete all references to the account from my profile within 15 days. 

Tracking number for 1st letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon possible XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of this year, I utilized the Ditech mortgage website to start making bi-weekly payments. Payments have been deducted from my savings account, but mis-applied to my mortgage. I contacted Ditech on XXXX XXXX by phone after receiving a statement saying that my mortgage was late. I was told that the payments would be corrected and that the late fee would be waived. I checked the website on XXXX XXXX and my account is showing that my mortgage is due for XXXX XXXX, but should not be due until XXXX XXXX. They are also showing that I owe a late charge, but I have never been late. I used the messaging system on their website, but have not received a response and the error has not been corrected. In looking at their website, I also noticed that their policy is to place partial payments in suspense rather than applying them to the loan at the time received even though the whole point of the bi-weekly program is to reduce interest paid and pay off the mortgage sooner. I am concerned that their errors in posting my payments and their failure to properly correct the issue are going to negatively affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX, A FEDERALLY PROTECTED CONSUMER. 

I AM A VICTIM OF IDENTITY THEFT. THERE IS FRAUDULENT INFORMATION ON MY CREDIT REPORT THAT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IN 4 BUSINESS DAYS. 

FRAUDULENT ACCOUNTS : 1. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT PHONE NUMBERS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for and received the American Express Hilton Honors Credit Card in XX/XX/XXXX. What prompted me to apply for this rewards card was the advertised promotion to receive XXXX Hilton points after spending {$1000.00} within the first 3 months of opening the account, then another XXXX points when you spend an additional {$4000.00} within the first 6 months of opening the account. I met each of these thresholds on XXXX XX/XX/2021 and XXXX XX/XX/2021 respectively. After several weeks passed by I never received any of the bonus points. After reading all of the fine print buried in the offer terms I found this statement : " Bonus Points will be credited to your Hilton Honors account 8-12 weeks after each Threshold Amount has been met. '' I feel this is poor placement of this information because its not co-located with the promotional advertisement material. 

Next, I waited for the 8-12 week period to expire at which time I still hadn't received the bonus points and called customer service. I was told that the points would be awarded during the next billing cycle. That billing cycle completed on XXXX XX/XX/2021 and the points were still not awarded. I contacted customer service again and was told that my account had been denied for the promotional offer from the time I opened the account and that I was never even eligible for the offer. I had no idea. I was completely mislead for over 4 months by American Express. I am now cancelling the account and wanted to make others aware so that they are not duped like I was.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian, XXXX and XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, XXXX and XXXX, for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Date of Charge Off : XX/XX/year> XXXX Date of Charge Off : XX/XX/year> EXPERIAN Date of Charge Off : XX/XX/year> XXXX
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX {$720.00} 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I went into Best Buy just to inquiry about a price of a XXXX laptop at the moment I did not have the full cash to buy the laptop as yet. During the conversation with a Best Buy sales representative he told me that I could get the laptop on finance without having to pay full price for the laptop he told me I could get the laptop if I apply for the best buy finance card and pay it of over time. 

The option that the sales person gave to me sounded interested at the time. I ask the sales associate if the application would be a hard inquiry on my credit report and to his responds he said no that the application would be a soft inquiry and that if I was accepted it would be instant. I ask the representive if he was sure and he said I didn't really wanted to do it at the time because I know my credit was just being built and told him that I would be deny to his response he said that it would not affect my credit if I was denied and that he has seen people that has just start building their credit who got approved for the card. 

At that time the sales rep convinced me and I entrusted him with the information he provided to me the it would not be a hard inquiry on my credit report. A couple months later to my surprised I am seeing the hard inquiry on my credit report from Best Buy and I felt like I was tricked with the old sales tact of bait and switched. 

I have reached out to Best Buy to see what they could do to get my report off and they gave me the run around. The information that came up on my credit report is CBNA/BBY with the contact information XXXX XXXX  XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX and I have seen the hard inquiry on my XXXX credit report I am not sure if it is on the other two credit bureau.
Product: Student loan

In XXXX I completed my XXXX XXXX XXXX and in XXXX I completed my XXXX XXXX XXXX from XXXX University. In XXXX my husband and I were forced to file bankruptcy due to insurmountable amount of medical bills. 

Since this time, I have been diagnosed with an XXXX which has also caused several other sometimes XXXX conditions. Since XXXX I have had eight XXXX. 

It is very much a hardship on me to maintain daily living expenses, care for a family which consist of my husband and our XXXX year old son, pay medical bills and pay over XXXX XXXX XXXX ( {$400.00} ) a month in student loans. 

Navient has called my father, ( co-signer for private loan ) and I several times with what seems like no understanding, demanding a payment be made. In XXXX XXXX my Grandmother was in the XXXX in XXXX, Georgia. My father received a call from a Navient representative, he explained the situation with my Grandmother and they were persistent in wanting more details about which form of payment he would be using and when a payment could be made. My Father hung up the phone due to the attitude and demanding payment information. My Grandmother passed away the next day due to a XXXX. 

Please consider this very challenging hardship. 

Thank-you for your time and consideration. Should you have any further questions or need any additional information, please do not hesitate to contact me.
Product: Debt collection

Cedars Business Services sent me a notice to collect a debt on Behalf of the XXXXXXXX XXXX XXXXXXXX ( XXXX ). After reviewing the information, I ascertained that the original debt had not been noticed within the deadlines for notification and was therefore not collectible. When I attempted to get Cedars representatives ( 2, including a supervisor ) to confirm that the letter they sent me confirmed this fact ( both the date the deadline began ( XXXXXXXX  ) and the date of first notices ( XX/XX/XXXX + XX/XX/XXXXXXXX  ) were written on their letter, they refused to read the letter over the recorded line and to confirm that the debt was not collectible. I finally ended the call after trying to talk sense into someone who was clearly in the wrong and had no interest in the unfortunate facts. They were in my opinion very rude and abusive as I tried to call and handle this amicably. The first I am hearing about this is almost 40 months after the violation.. that doesn't seem right and I am glad I investigated. 

The letter from Cedars included both a notice with login information to pay the fine and information about previous reminders that had been sent by the XXXX XXXX XXXXXXXX, along with a copy of the Fine/Violation. 

The Violation notes that Article 201, paragraph 1 of the Traffic Code and art.386 of the Traffic Code Regulation govern the deadlines for notification - which clearly state that the notice must be sent to violators living outside of XXXX within 360 days. The Cedars letter confirms XXXX sent notices more than 13-months later in early XXXX The individuals I spoke to, including a supervisor- continually transferred me around and tried to obfuscate the facts instead of simply reading to me the facts that Cedars had already sent to me in their letter, which demonstrated to me that the debt had not been appropriately noticed and therefore was not collectible.
Product: Mortgage

I have been emailing my support specialist and  never emails me back. He does n't answer his phone either. Again XXXX could you please email me back? I also need a copy of PSA What is going on with my file? I have been sending documents and no one calls me. I get a letter saying documents received and my support specialist will contact me. Do I need to tell my lawyer to move forward with the lawsuit? I have been trying speak with you today and I can never seem to get hold of you I sent an email as you see below and you never ever reply to my emails. Why should I have to call and schedule an appointment that takes 2 days to speak with you and nobody seems they can help me because they say I have to speak with you. If you just reply to my emails that I send it should only take a few minutes to answer my questions. Instead of me calling and having to wait 2 to 3 days.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a bike on my chase visa debit card online for in store pickup at XXXX XXXX goods. I paid {$220.00} and a hold was placed on my card for this amount and the charge would formally go through when the bike was picked up. I was unable to pick the bike up within 48 hours so the order was canceled. The hold was removed and I was never charged for the purchase. On XX/XX/XXXX I purchased the same bike at the same XXXX XXXX goods online for in store pickup on the same card. This time I paid {$230.00}. Again a hold was placed on the card. My husband went to pick the bike up that evening and the girl checking him out saw on the account we had previously purchased that bike but our order had been canceled. She offered to price match and give my husband the lower price for the bike. She assured him he would not be charged twice. On XX/XX/XXXX I checked our statement and realized we had been charged twice. I contacted XXXX multiple times who told me they would get back to me. Multiple times they told me it was taken care of and I should see the refund in 3-5 business days. When I never received the refund I contacted Chase. They opened a case and investigated it. They came back with conclusion that this was 2 separate orders and the charges were valid. In the meantime, I received an email from XXXX stating that they determined the first order was never picked up and they had processed a refund in the amount of XXXX to my chase visa debit card. I never received this credit. I contacted chase again and they opened another case. I provided the transaction ID from XXXX for the refund and Chase still came to the conclusion that the charge was valid. I called XXXX again and they again provided me with an email receipt showing the date and amount the refund was processed ( {$230.00} on XX/XX/XXXX ) and again provided the transaction ID. I faxed this yet again to chase and they are still stating they will have to review the case and contact me. It has now been 2 business days and they stated they would get back to me in one business day. Its also worth noting that on XX/XX/XXXX I went into a Chase branch and tried to get a resolution and the banker took my information and assured me someone from the escalated claims department would contact me in 3-5 business days. No one ever contacted me. Its absurd to me that a bank can keep my money which was refunded to me by the merchant. Also, Chase came to the conclusion that the charge was valid when I provided them with proof from the Merchant that the merchant was admitting the charge was not valid. Im frustrated and want my money back.