23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I submitted a non fraud dispute with this company XX/XX/XXXX regarding an item ordered on XXXX that wasnt received when expected due to the tracking also disappearing through the app. 
I provided additional documentation on the email provided and was told there would be correspondence. Once the product came on XX/XX/XXXX and put it in the mail to sender I requested a refund through the XXXX app ( still no correspondence or update on my banks side ) but the request was then approved for refund through XXXX app but on my side I still see no correspondence or update on my dispute from my bank so I decide to call into XXXX around XX/XX/XXXX. I was told by XXXX that the refund was in processing and would take XXXX weeks. Upon waiting so long I called XXXX today on the XXXX and was told that due to my dispute with my bank, my bank would have to provide the refund not them. So I called into the bank and they told me it would take 45-90 calendar days for an update on my dispute and thats all the information I was given. The agent was very nasty and kept pushing back at the fact that I was requesting more information as its been almost a month and Im only getting updates from XXXX. I asked for escalation and after being put on a XXXX minute hold I was transferred to a supervisor XXXX and I asked her for an update on my dispute, does it qualify for provisional credit as it has been almost a month and I havent had any correspondence from them and I also told her what XXXX said about them having to issue the refund on their side since the dispute was still in action. She stated because it doesnt break reg e my dispute doesnt qualify for provisional credit at this time. I quoted back to her what reg e was in this situation and she then stated that she just received an update on my claim on the XXXX but couldnt tell me what that information was and then proceeded to tell me she could withdraw my claim so I may get a refund and shed email me a document showing the cancelation and etc. I have not received anything from them in correspondence still almost a month in and feel they have broken reg e by not XXXX due diligence in the dispute process. Now Im not sure if I will receive my money for a product I dont have and mailed back after receiving over a week after the listed arrival date and Im frustrated because my bank is not doing anything to support me or advise me in the situation ; I am being misguided and lied too.i wish no one to have to deal with this kind of situation because you bank with your bank for support and security, if your bank cant provide either what are you supposed to do on this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XXXX XXXX, XXXX about information I got from XXXX XXXX concerning my credit rating. It had gone down. XXXX noted the reasons. I strongly disagreed. Equifax agent said all he could do is send me info about their method. 

The Equifax statement arrived a few days ago. ( Today is XXXX. XXXX. ) It listed some reasons for the rating and noted info about how to file a dispute, which wasn't entirely accurate. Long story. In any case, they provide only limited links, which do not allow dispute of their conclusions or ratings. 

The Equifax notice cites the following reasons for their rating to which I'll respond, one by one : CODE 43 : LACK OF SUFFICIENT CREDIT HISTORY ON BANKCARD OR REVOLVING ACCOUNTS : I've had my XXXX  Card for several years and pay it off every month. I've never been late. I've had other cards over the years as well. I'm XXXX XXXX XXXX! I have plenty of credit history. 

CODE 8 : YOU HAVE EITHER VERY FEW LOANS OR TOO MANY LOANS WITH RECENT DELIQUENCIES. First, no delinquencies and no loans. I assume they're saying I'm not in enough debt. That's insane rationale. I've had all kinds of loans over my lifetime, all paid off. But I don't get credit for that while others who carry a big debt load do? That's nuts.

CODE 65 : LACK OF SUFFICIENT RELEVANT FIRST MORTGAGE ACCOUNT INFORMATION. Gads, do they do their homework? My spouse and I have owned three houses since XXXX. We're old. We paid them off. Seniors do that, if they're lucky. Getting downgraded for that or consequently denied credit for that is age discrimination. 

CODE 4 : THE BALANCES ON YOUR ACCOUNTS ARE TOO HIGH COMPARED TO LOAN AMOUNTS. There are no loans. Period. Are they referring to our XXXX XXXX? We pay for as much as we can with that card because XXXX gives us 2 % cash back. We pay off that card every month. We have never gone over our self-imposed credit limit, which could be higher if we wanted it to be. 

I don't understand why I wouldn't have the highest rating. All bills paid promptly, good monthly income, good assets ... my husband and I are so much better off than many of our contemporaries. But Equifax has got it wrong, I want the record corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$820.00}
Product: Credit card or prepaid card

There was a fraudulent charge of {$160.00} to my Citi Card on XX/XX/XXXX. I contacted Citi by phone to inform a fraudulent charge was pending ; it had not posted yet. They immediately inactivated the card ending in XXXX and issued a new card ending in XXXX. The charge then posted XX/XX/XXXX. I logged into my account and issued a dispute, which was registered by the Citi System. I received a statement on XX/XX/XXXX. I logged into the website, it showed the charge under investigation. I call Citi and spoke with a representative, they indicated it was resolved. I packaged all of that information, and postal mailed to Citi another confirmation the charge was fraudulent, please provide to me written status as the website indicates no dispute, but under investigation, and to please close the account. Citi did not respond or take any action. On XX/XX/XXXX I again called Citi, indicated I had been contacted on the XXXX, was there anything on the account, they indicated no. I requested the account be closed. On the XX/XX/XXXX, I received an e-mail giving me 24 hours to respond, indicating Citi had contacted me about the dispute, or they would re-post the charge to my account. This ominous approach is while their website indicates no dispute and their representative did not indicate a dispute. This is a completely unethical and aggressive manner in which to collect a 45+ day old fraudulent charge, which they intentionally indicated was not active, and they intentionally did not communicate in a timely manner. This is an extremely predatory approach especially as they issued a new card per my notification to them of a fraudulent charge. I have included the documentation showing no dispute on the account and my latest correspondence. There is no reason Citi should have even let the charge Post from the Pending state. At last check, my credit score was XXXX out of XXXX, this is not about the money it is about the ethics.
Product: Student loan

I have contacted Navients about my private loans to get the XXXX XXXX XXXX XXXX and was denied due to my private students loans being refinanced. Here is the received response. 

Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a XXXX will work with you to assist you further on this matter. 

My loan was at 13 % before refinancing and getting pushed to refinanced prior to a lower % rate. This should NOT disqualify for XXXX XXXX, especially when they do not let this knowledge known to their customers. I have gone through PPSL.org to gather this information. 

Please stop marking these complaints as duplicates especially when nothing is being done about the issues I am requesting. So far every request I have submitted has been shut up and sit down.
Product: Credit card or prepaid card

XX/XX/2023 @ XXXX at Bank XXXX XXXX XXXX hour ATM machine located at XXXX XXXX XXXX XXXX XXXX NY XXXX. I went to pay my credit card bill. I made a payment of {$210.00}, XXXX XXXX XXXX bills, XXXX XXXX XXXX bill and a XXXX XXXX bill. The ATM took my bank card gave it back, asked me was I making a payment I hit YES I put the money in and the machine kept the money and said, Error, that my transaction could not be completed or return my money back. The payment did not post nor did I get a receipt. Complaint # is XXXX. I have reported this incident several times. I still have not received my money it is under investigation and no one as of yet has reached out to me. Also I would like to become part of the XXXX XXXX XXXX XXXX XXXX Class Action. This is the second time I had an major issue with Bank Of America holding my money and not want to reissue it.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 

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

XXXX and Equifax has an Opt Out listed on my credit report. The Opt Out listed on my credit report is preventing me from receiving pre-approved and promotional offers for credit.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2018 Text was sent with a phone number for Customer Representatives who claim to represent Hyundai, XXXX and XXXX vehicles with an attempt to collect a debt, however giving my my SS # upon request, they couldn't find anything pertaining to any debt. They requested to dig further until I halted the phone call to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX 's Finance Dept to find out more information about this and they had no clue about any debt collectors within the parameters of my SS # nor my phone number in which they informed me to contact XXXX XXXX which is the owner of the vehicle. Upon speaking with a Representative of XXXX XXXX, they didn't have any idea who this company was. XXXX XXXX  documented it as a fraudulent attempt to obtain sensitive information. 
The company in question is : " Customer Accounts '' XXXX- ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting all three credit agencies for disputes with information being reported on my credit report for over a year now starting in XXXX of XXXX. I have also disputed incorrect account information with the original companies. Two accounts in particular have not been resolved, XXXX XXXX, and XXXX XXXX XXXX. I have sent in every single document required including proof of identity and documents to dispute these accounts and to date the only response I have ever received from all 3 agencies is the same generic response. I have only received emailed responses from XXXX stating my disputes are now open, we are working on your disputes and they should be completed by this date, your disputes are now closed. Every response is the same and they always result in the same thing stating, " The account has been verified as accurate however, the account may have been updated ''. From my initial dispute starting in XXXX of XXXX I received NO response from anyone. A second dispute was sent 2 months later and again no response. Demand letters were sent around XXXX and again the only response was the same listed above. I sent the attached dispute letter and all required documentation again asking for a complete investigation, proof of investigation, documentation, etc..and once again I got the same generic responses and nothing else from any of the agencies. They are violating the FCRA and have failed to comply with requests and complete thorough and factual investigations. Per the laws they should have removed the negative items disputed immediately after failing to respond within the 30 day time limit, and failing to respond several months after. The last dispute demand letter was sent in XX/XX/XXXX and the tracking numbers are, XXXX, XXXX, XXXX. These accounts need to be deleted immediately due to FCRA and law violations. Furthermore, I have never received any letters or response from XXXX XXXX XXXX as well. I only knew about the account due to checking my credit report. They are damaging my credit for the same XXXX Account that I have been disputing.
Product: Payday loan, title loan, or personal loan

Me and my husband took this loan out to pay for our roof. I had setup automatic payments of {$200.00} sine XX/XX/2018 with no issues. Then something happened where the payments weren't being taken out and I never changed anything. Then I notice that my account was past due and I immediately made a payment. I don't think that it is fair to have reported us late when we never took the account of automatic payment. Now I am scared to put it back on automatic payments because I don't feel that it will get paid.
Product: Debt collection

Received a voice mail on my phone number that has not been used in 3 years saying that she was XXXX XXXX from financial group with FINEX GROUP collecting a " Debt ''????? Call her at XXXX XXXX XXXX XXXX I did not return this call because I OWE NO ONE. I have NO CREDIT CARDS< I HAVE NO CAR PAYMENTS< I HAVE NO MORTGAGE, I HAVE NO DEBTS!!! These low-lives are all over the Internet with similar complaints. Put them in jail, out of business, deport, fined, whatever it takes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a Fraudulent account from XXXX XXXX XXXX Throughout my XXXX and Tranunion reports
Product: Debt collection

I am writing to address a matter of concern regarding excessive phone calls from your company, which I believe constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FDCPA, specifically under Section 805 ( c ), debt collectors are prohibited from engaging in communication with a consumer in connection with the collection of any debt at any unusual time or place or at a time or place known or which should be known to be inconvenient to the consumer. Additionally, Section 806 ( 5 ) prohibits repeated and continuous communication with the intent to annoy, abuse, or harass. 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) also prohibits collection calls from being more than 7 calls to a customer within a 7 day time span.

I have documented and attached my cell phone records that show a total of 17 phone calls from your company at XXXX to my phone number within a span of seven days ( XXXX XXXX of this year ) as well as XXXX phone calls from XXXX within a span of 7 days ( XXXX XXXX of this year ). This frequency of communication is not only inconvenient but also exceeds the limits set by the FDCPA, CFR and CFPB. As per my understanding of the law, creditors and debt collectors making excessive calls beyond that are considered a violation.
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 in the amount of {$180.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit card or prepaid card

About the middle of XXXX I called XXXX XXXX regarding a annual subscription charge of {$190.00} on my Capital One Charge card. I asked them to cancel my subscription and to refund the charge back to my credit card. They said that was not a problem since I called within 30 days of the charge. When I did not see the credit on my statement I called them back and they said their records showed the credit back to my credit card account on XX/XX/XXXX of 2020. I then called Capital one to see if it had in-fact been credited back to my account and they said it had not, so at this point I filed a dispute with the credit card company. The credit card company gave me a credit back to my account and then charged the money back to my account saying that I did not provide everything that they had requested. It took a while to find out what they needed to credit my account for the {$190.00} and when I did manage to get an Invoice and letter from XXXX XXXX showing that they did credit my account and sent it to the credit card company they said that they would not accept it as the original deadline was in XXXX and Mastercard would not allow Capital One an extension to the original deadline. 

Contrary to the above, I was told on XX/XX/2020 that if I attached the invoice mentioned above in a link that they emailed to me on XX/XX/XXXX they would use it to credit my account the {$190.00}. 

On XX/XX/XXXX I received a letter from Capital One dated XX/XX/XXXX saying they were closing my case and not refunding the charge. When I called to find out why, I was told the information needed to be sent to them before the original XXXX deadline.
Product: Credit reporting or other personal consumer reports

This is my several times to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Debt collection

XXXX XXXX has continued to report an outstanding debt on my credit report. For over seven years I have asked for verification of this debt and account and have not received such proof. Further, they harassed me and threatened me, phoning at home and at my work for years. This inaccurate debt account continues to be reported on my credit report. 

It appears XXXX XXXX is now RESURGENT CAPITAL SERVICES. 

C/O RESURGENT CAPITAL SERVICES, XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account withXXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.