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

I signed up for a credit card with a promotion offering three complimentary nights, but unfortunately, I did not receive them even after meeting the requirements. I contacted the company on XX/XX/XXXX, and was informed that the certificate had been issued on XX/XX/XXXX. They assured me that they would re-issue the certificate and I should receive it within 10 to 14 business days. However, I did not receive anything for the next three weeks. After contacting them again on XX/XX/XXXX, they informed me that I would need to wait another 10 to 14 business days, and that was all they could do. As a result, I would like to file a complaint regarding this matter.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the remaining unauthorized hard inquiries still present on my credit report, despite my initial dispute last month. While I appreciate that many of the disputed inquiries have already been removed, there are still some that remain ( XXXX XXXX XXXX, XXXX XXXX XXXX ). These hard inquiries were not authorized by me and were reported without my written consent, violating my rights under the FCRA. Under 15 USC 1681b, credit reporting agencies are required to ensure that all reported inquiries are made with a permissible purpose. Since I did not provide any written. Authorization for these inquiries, their continued presence is a clear violation of this requirement. Additionally, under 15 USC 1681e ( b ), Experian is obligated to ensure maximum possible accuracy in the reporting of credit information. The failure to remove all unauthorized inquiries despite my prior dispute demonstrates a lack of diligence in meeting this legal standard. Furthermore, under 15 USC 1681n, Experian may be subject to liability for statutory damages due to willful noncompliance.
Product: Checking or savings account

I opened a company account with Mercury. Initially, it was working fine, but they later closed my account without providing a reason. At that time, I had sent a wire payment of {$3800.00} to a client. Mercury canceled the transaction and closed my account, stating that they would send the remaining amount via check. 

I waited for over a month for the check and then emailed Mercury 's helpline to request the tracking number. However, they did not respond to my email. I also sent multiple reminders, but they have not replied. My account was closed on XX/XX/year>, and to date, I have not received my funds. 

Let me k
Product: Mortgage

I filed for help with the mihaf program in XX/XX/2022 I also filed for a loan modification with citizens bank. I was working with both companies. I was having a hard time getting an application to citizens bank so I called I had the bank fix their internal problems so I could submit my documents online. Once the application was received I was awaiting a response. The mihaf program approved me to pay my mortgage. I also stated this to a representative of loss mitigations to citizens bank. Citizens bank put my house into foreclosure without informing me. They also sold my house with in 2 days and XXXX  me from my home and told the realtor who I had list the home that I was unable to sell or buy the home back. On XX/XX/XXXX my mihaf case worker contacted me and told me to contact you so seek help as this was an unlawful act. I am seeking to get my home back. When I was contacting the bank I was told I was approved for the modification although nothing was sent out to me then I was told after I was approved the turned around and denied it because the payments would be raised, this is not my first home modification and the payments has been raised and lowered in the past. My home was taken from me I was not informed I was approved or denied by the bank nor was I informed of a foreclosure and I was XXXX  from my home and not giving my six months redemption period the realtor was XXXX XXXX
Product: Credit card or prepaid card

I'm XXXX, I have a gift card that I can't uesd. I called to report my card on XX/XX/XXXX, the customer service gave me a case number : XXXX, on XX/XX/XXXX I followed their request, subjected my name and case number, And uploaded my card, receipt, and my driver 's license, sent to this email address : XXXX, but no one responded to me, I sent again on XX/XX/XXXX and XX/XX/XXXX, still no reply me, I have called them 3 times. On XX/XX/XXXX they said they didn't receive it, I uploaded a few more times, called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and told me to call back again in 24-48 hours to them, I have to wait 30-40 minutes each time to get in the phone but nothing can help me, still let me upload again or wait again, I called 3 times in this month, uploaded 6 times of documents, but no one replied to me, still said that they could not receive my documents, it isn't my problem, they couldn't receive my documents, but my money can't be used in the card, please help me to solve.
Product: Debt collection

I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
JEFFERSON CAPITAL SYSTEMS, with contact information at XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that JEFFERSON CAPITAL SYSTEMS has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against JEFFERSON CAPITAL SYSTEMS to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold JEFFERSON CAPITAL SYSTEMS accountable for their unlawful conduct.
Product: Credit card

On Tuesday XX/XX/year> I receive an email from Barclays saying my AA advantage elite mastercard ending XXXX was delinquent. When I checked my credit score I saw it has significantly gone lower. I looked at my card history and remembered that back in XX/XX/year> I called Barclays and told them there was a {$110.00} XXXX XXXX fraud change and that I wanted to report the fraud and close this card that I never use. They confirmed that this will be done, but to my surprise on XX/XX/year> I have a {$210.00}. PAST DUE balance. 
When I called, the customer service representative said they had no history of my asking to close the account. That all they saw was fraud and that they resolved it. 
I said that information is not correct and I dont want to pay {$210.00} dollars for something I didnt USE! The representative was so insensitive and said SORRY he can not help. He said he could close my account, but the debt will always be there and always affect my credit. I asked and begged for a one-time courtesy credit and he simply said he couldnt. After much back and forth I was forced to pay {$99.00} to clear the account and close it. 
I want my {$99.00} back, I feel so aggravated that I am disputing a fee not an actual charge and they said NO! this is absolutely unacceptable and has never in my 40 years of great credit happend to me before.
Product: Credit card or prepaid card

I had XXXX fraud on my credit card which I cancelled and have not received yet. 
XXXX has charged my new credit card which I have not received, and I do not have the number to use, without my permission. 
I was told by capital once that, Visa Mastercard gave my new credit card number to XXXX ..... I did not give them permission to do so.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instructions ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in con 15 u.s.c 1681 section A states I have the right to privacy These accounts violating my rights 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XXXX I contacted XXXX XXXX XXXX XXXX XXXX to discuss XXXX open files which I have payment arrangements for to discuss extending my recurring payment schedule. When I questioned the rep on the dollar amount of XXXX of the files not going down despite making payments for 2 years and questioned if I was being charged interest he confirmed I was being charged interest. I was never made aware of this, never received any statements showing the breakdown of what I was paying, never told I was being charged interest and have never received any notice detailing the interest rate or how much of my monthly payment is being applied to the principal amount. Both debts were owed to the same vendor and the rep could not explain why the larger amount was accruing interest. I requested a call back and all the documentation around the balance and interest and they did not provide either. This practice is deceptive, unfair and abusive. I have never been given the true amount owed as each statement shows various amounts that include interest I was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  : XXXX Please review the attached document about mileage at vehicle turn in. Compare the signature to my signature sample and you will see as any judge or court would see, the signature is NOT mine. Also note the signature on the Lessors line. It does not match the name of the Lessor. This document is fraudulent! I never signed this document and even turned the vehicle earlier than the date they have on the document It was not me who signed this document, the other signature is fraudulent as well. I am not playing any games or lying. This is seriously NOT my signature and NOT my document. This document is NOT legally binding and therefore you must delete the inaccurate info you keep reporting to the credit reporting companies. 

XXXX Bank, This tactic you are using is against FDCPA and is deliberate. You all are violating my rights and fraudulent methods you are using can not be used.

Credit Reporting Company. You now know the claims of XXXX Bank are false and they keep sending you verified reports. FCRA requires you to delete these records from my credit report since this data furnisher is fraudulent and not able to provide accurate reporting. They are clearly an abusive predatory lender attacking my credit report to extort money from me that they are not entitled to. Please stop showing bias and favor to what you get back in XXXX from the data furnisher. You are supposed to investigate not just publish what they say! Its a dispute and you are supposed to perform proper investigation considering the fact that the information they provide can be inaccurate thats how you ensure maximum accuracy. This document that they are providing you is proven false and I have made a police report about it! Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX  XXXX Balance : {$37000.00} & XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}.
Product: Debt collection

I already reported this to the CFPB before. The Case number was XXXX. At that time my problem fixed ( my error collection information has been removed from XXXX ). 

By the way, today ( XXXX/XXXX/2016 ), I 've got same error report from XXXX. I really do n't know why XXXX XXXX company never change error information related with me. 

I 'm not even XXXX XXXX XXXX Customer and also do n't have any Debt record!! 

Please, help me! According to my memory, this is total 4th times Error Report from XXXX XXXX XXXX. 

Please, Could you fix my problem?, This is very annoying me every year, and I do n't want to lose my good credit grade. 

Thank you so much!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a auto loan with Credit Acceptance Corporation in XXXX, due to their lack of paperwork, this did not start reporting on my credit until XXXX. I done a vountary repossession on the vehicle in XXXX of XXXX. They auctioned off the vehicle after the repossession. They continue every single month to report this account as " Open '' rather than " closed '' or " charged off ''. They continue every single month to report a late payment for the 65 months. They also have an off the wall out of state address that I have never been associated with in Louisiana. In addition to the balance being incorrect because they have never applied the auction funds to the remianing balance of the loan, they also report the account as repossessed, late, repossessed again, then back on track, then repossessed, then charged off, then late again. Its absolutely absurd. I have worked VERY hard to fix my credit, this is the only negative account holding me back. It has now been 7 years since this account had its first missed payment and has been repossessed. This also goes against my debt/income ratio and prevents me from further auto loans because it looks as though I have an open auto loan. I have disputed this account for YEARS due to inaccurate information and the credit bureus refuse to fix it. Credit Acceptance does not respond to any letters that I have sent to them directly verifying any information I have asked for. I am asking for this to be removed from my credit report, as the inaccurate information being reported, the failure to respond to my verification requests all go against my rights under the XXXX. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion continues to PARROT unverified inaccurate information on my CR. CFPB the attachments confirms these accounts are inaccurate and can not be verified. The reporting agencies identified are in violation of the FCRA. XXXX XXXX  Reports charge off but performs a unrequested fraud investigation. I DID NOT REQUEST A FRAUD INVESTIGATION ON ANY ACCOUNTS THROUGH XXXXXXXX XXXX!
Product: Credit card

What happened? 

I made multiple purchases from XXXX through my debit card with Wells Fargo, but I never received the items. I attempted to resolve this issue directly with XXXX, but they have refused to issue refunds for the missing orders. 

On XX/XX/year>, XXXX admitted to a system error and refunded seven of the disputed orders. However, they have refused to refund the remaining transactions despite acknowledging the issue.

I filed disputes with Wells Fargo for 15 transactions on their website. However, I was unable to file disputes for three charges online due to an error message instructing me to contact the bank. I then submitted a written dispute letter to Wells Fargo for those three remaining charges. 

On XX/XX/XXXX, Wells Fargo informed me that they denied my disputes, stating that I did not provide sufficient information. However, they did not specify what additional information was needed. They simply closed my case, leaving me financially responsible for missing orders totaling {$2000.00}. 

Actions Taken : Contacted XXXX multiple times, including filing a Better Business Bureau ( BBB ) complaint. XXXX refuses to take further action, stating they consider the matter closed. 

Filed a dispute with Wells Fargo, which was denied without proper explanation. 

Provided Wells Fargo with proof, including order details, Walmarts acknowledgment of the system error, and the partial refunds already issued. 

Attempted to escalate my dispute with Wells Fargo, but they refuse to reconsider.
Product: Credit reporting or other personal consumer reports

My account with ( DEPTEDXXXX, US DEPT ED, 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 in ( MONTHS REPORTING LATE ) 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. 


( DEPTEDXXXX, US DEPT ED, 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: Credit reporting or other personal consumer reports

I requested documents that provided proof I gave authorization for these inquiries to be furnished on my consumer report. XXXX did not provide me with any evidence or proof that these inquiries were authorized and responded with no proof of authorization but further reported the inaccurate information on my consumer report every month. I am attaching an identity theft report to this complaint as these inquiries are unauthorized to be reported on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have seen numerous items on my consumer report from Experian and XXXX that are not suppose to be on my consumer report I am disputing the following items credit management/ collection management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing all inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX 
The only name that is suppose to be on my consumer report is XXXX XXXX I do not want my social showing on my consumer report that is a privacy act of XXXX issue and that number belongs to the Social Security Administration its illegal to steal and sell identity per 15 USC 1028 A. I am disputing all telephone numbers because I have never had any of the numbers that is listed. And I do not want any phne numbers listed on my consumer report .I opt of out any promotions of selling my information soft pulls and hard pulls per 17 CFR 248.125. The only address that is suppose to show on my report is the one that is on the identity theft packet that is attached to this complaint. According to 15 usc 1681 c-2 ( a ) XXXX and Experian have 4 days to block the information that I am disputing from my consumer report due to identity theft I do not need to fill out any other information other than what is stated in 15 USC 1681c-2 ( 2 ) Identity theft report which is attached to tis complaint. I have never obtained any goods or services from any of these companies I am disputing .There should be no inquires, no other addresses other than what's on my consumer report and I do not use any aka 's and no other names. I have been a victim of theft while I was in XXXX and out of XXXX and its sad that I can not obtain anything due to this identity theft i continue to face.
Product: Checking or savings account

Synchrony Bank did not notify me of renewal of CD, and renewed it for a XXXX month renewal. They did not send me notice of the renewal. 

The CD 's matured on XX/XX/XXXX, and I asked them on XX/XX/XXXX to release the CD, without penalty. 

They refused. They also refused to change the renewal to a shorter term. 

This exact complaint was placed in the consumer financial protection bureau on XX/XX/XXXX, by another customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting incorrect information. Stated they recieved from third party. When I contacted the third party they had no information. When I contacted Equifax they said dispute has been resolved. When I contacted your company to investigate further .. now Equifax has no record of who I am, I have a letter from them. This is clearly. Several violations, and lies.