23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute Regarding Falsely Advertised Credit Monitoring Program Dear XXXX I am writing to dispute the credit monitoring program that I received from Experian Identity Works as a result of a breach of security. Despite being promised this complementary service, I have not received any instance of credit monitoring from the company. 

On XX/XX/XXXX, I was notified that my personal information had been compromised in a data breach. As a gesture of goodwill, the company offered me a credit monitoring program to help protect my identity and financial information. However, since enrolling in the program, I have not received any updates, alerts, or monitoring services as promised. 

I have made multiple attempts to contact Experian Identity Workd regarding this issue, but have not received a satisfactory response. I believe that the company has falsely advertised their credit monitoring program and has failed to provide the services that were promised to me. 

I am seeking assistance from the Consumer Financial Protection Bureau to help resolve this dispute and ensure that Experian fulfills their obligations to provide the credit monitoring services that were promised to me. I request that the CFPB investigate this matter and take appropriate action to hold Experian Identity Works accountable for their false advertising practices. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

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

XXXX ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.
Product: Checking or savings account

I filed for a fraud claim, at the time my card was with me but purchases to places I had not been but do frequent we're charged to my card. The claim was closed and I was charged back in the amount of {$250.00}. There was no paperwork sent to me regarding this. The representative was not helpful when it came to this and was claiming information that I did not have that the claimed I do. Upon searching for this information they claim I have I can not find any records of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit card or prepaid card

As per the attached letter, American Express clearly acknowledges that their How to Pay with Points and Member Rewards program DO NOT ALIGN. As per the website - I am entitled to have my points reinstated without penalty. Why must I pay for an airline ticket not used when the program clearly states that if you cancel your trip your points will be reinstated. No time frame - no restrictions mentioned. This is bait and switch. It is unfair practice.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX Bankruptcy Chapter XXXX account number XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have 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 instruction. I did not give them written instruction.
Product: Credit card or prepaid card

UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   This is herby an official complaint regarding the deceiving and misleading billing practices with UPGRADE.com. 

I have had UPGRADE since approximately XXXX XXXX XXXXXXXX when I originally got the card the apr etc was told to me. A couple months ago I got something saying my APR rate was going down from the XXXX XXXX I used my line of credit couple times since then and it never happened. The rates they said I would have to pay monthly has kept changing.

Approximately two or three weeks ago I was notified without documentation my AVAILABLE limit was being reduced from XXXX XXXX to {$2800.00}. Now there website says Im overdrawn which Im not. The CREDIT AMOUNT was lowered Without any reasons like I stayed. I have called upgrade on multiple occasions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and promises were withheld. I have asked upgrade to CLOSE my account but they have failed to do this. 

I feel they have not lived up to therebargin and theAPR KEEPS GOING UP. Theyre charging me more interest when it shouldnt be.

I would like the following done : - A settlement amount I owed pre negotiated - My credit bureau report clearly shown I closed my account with the highest limit of XXXX XXXX 

I am willing to file a lawsuit if needed against upgrade including social media outbursts based on my experience Ive also sent a number of emails due to XXXX XXXX  but they have failed to be any use THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I booked a vacation to XXXX XXXX through XXXX XXXX XXXXXXXX, located in XXXX, Florida, for a total of {$1100.00}. The vacation was set to last from XX/XX/2020 to XX/XX/2020, at XXXX XXXX XXXX XXXX resort. On XX/XX/2020, after closely monitoring the COVID-19 Pandemic in both the United States and XXXX XXXX, we decided that we would be forced to cancel the vacation and immediately called the agency, XXXX XXXX XXXXXXXX. We explained the situation to them, and they said that it was no problem to cancel the vacation, but a {$50.00} cancellation fee would apply. We agreed and they mentioned that it would take 180 days ( 6 months ) to receive the money back in my account. After over 6 months of waiting, I called the agency up to check the status of the refund on XX/XX/2020. The representative, XXXX XXXX, was the same person who helped us book the vacation. She said that the department that handles the refund is closed because of COVID-19 and she advised me to start a dispute through my card company. After trying to make a dispute through Bank of America, they said that it was outside of the 78 day period that they could do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I became aware that Shellpoint Mortgage was reporting to all major credit reporting bureaus that I held a real estate loan with their organization. I have never heard of this company and immediately contacted them and they concurred that they have no record of my ever having an account. They indicated that they would contact me within 10 days with at least an update on why they were reporting this incorrect information. They have failed to follow up and the information remains on my credit report. Each call with them results in the same waste of time and non-answers.
Product: Mortgage

United Built Homes XXXX, XXXX Signed contract with the United Built Homes, Builder. The construction loan was 12 months no payments. I requested home be complete by XXXX, XXXX. The sales manager and construction manager said it would be closer to XXXX. However the contract does not state a completion date. 

XXXX, XXXX UBH poured foundation and began the build. 

XXXX, XXXX Construction Manager informed me the previous construction manager did not file any of the contracts that he was now having to complete. All construction stopped and I was told we were waiting for HVAC. 

XXXX, XXXX I went to file for my septic and driveway permit and was informed the builder never filed for a development permit. I filed the development permit at this time. 
No construction on home since early XXXX. 

XXXX, XXXX Construction loan has come due and an extension was completed to XXXX, XXXX. HVAC was installed late XXXX, no other work was completed on home. 

XXXX, XXXX Filed a complaint with the Attorney General and XXXX. Builder began construction late XXXX. 

XXXX, XXXX Payment is due. I requested an extension because construction is still incomplete and they have no closing date. XXXX extended to XX/XX/XXXX. 

XXXX, XXXX Closed on the house on XX/XX/XXXX. Requested information from builder regarding my prequalification which was at 3 % interest. 

XXXX, XXXX Did not receive prequalification information until mid XXXX. Did not make XXXX payment. Began talking to mortgage officer about refinancing. 

XXXX, XXXX Did not make XXXX payment. Still trying to refinance, but my debt ratio was an issue. Currently 60 days past due. 

XXXX, XXXX Spoke with XXXX XXXX with the builder and requested an extension in order to complete my refinance. He denied the extension. Made XXXX payment. 60 days past due. 

XXXX, XXXX Made XXXX payment. 60 days past due. 

XXXX, XXXX Did not receive a mortgage statement for XXXX. Called on XX/XX/XXXX to make payment over the phone and spoke with XXXX XXXX. He refused to take a payment by phone. He informed me I currently owe XXXX payments and the house was in foreclosure. I'm currently 60 days past due, with a payment due XX/XX/XXXX which would make it 90 days past due. I requested that XXXX send me the XXXX statement and/or the foreclosure notices, with no response. I wrote a check and sent it via XXXX  XXXX for delivery by XXXX XX/XX/XXXX in order not to go 90 days past due. 

I also informed XXXX XXXX that I had consulted with an attorney regarding wrongful foreclosure on the home. 

United Built Homes is the Builder and the lender. The construction loan is at 9 % interest. 

They delayed the building of my home ( 16 months ), refused extensions to refinance and have roadblocked my refinancing. I feel this has been intentional so they can maintain the loan at 9 % interest at $ XXXX per month. At this point they are playing games.
Product: Debt collection

XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX. They are collecting for equipment I returned to them a long time ago. This is a mistake from their part
Product: Credit reporting, credit repair services, or other personal consumer reports

They stated my accounts were verified how is this possible, if I have circled many inconsistencies and inaccuracies on my report from different account numbers, listed dates, balances term, months, and less reported dates that you can see. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is grounds for immediate removal! I have attached pictures of my updated monthly report according to the law everything has to be 100 % accurate, it is not. 

Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

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

In XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX  begun managing my private student loan from XXXX XXXXMOHELA . The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not one of the payments I have been making all year to XXXX appears on this report. 

I have also today submitted a dispute to XXXX and an e-mail inquiry to 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Student loan

I have been incorrectly over-charged for my student loans almost every month since starting payments in XXXX. I call Sallie Mae every month to complain. After calling in XXXX due to being double-charged, one customer service representative hung up on me in, so I called back and they refunded me {$350.00} on XX/XX/2023 for overpayment. On XX/XX/2023 I received a phone call that I owed {$89.00}. I made the payment over the phone and asked the CSR to be 100 % sure that I was up to date with payments and I didnt owe anything until my next payment was due, to which he assured me I was even score with them on payments until XXXX payment was due. On XX/XX/2023 I was charged {$530.00} for my student loans. The monthly payment is supposed to be around {$330.00}. I do not have extra money to throw around every month and wait for a refund because of their poor payment practices ; and I cant mentally, and financially handle this issue monthly for the next 12 years. If legal action is what it takes, then so be it.
Product: Credit reporting or other personal consumer reports

I am writing to report that XXXX, along with other credit reporting agencies, failed to investigate and remove inaccuracies from my credit report. Despite my dispute requests, the following accounts and amounts remain incorrectly listed and should be removed per credit reporting laws, specifically under **the Fair Credit Reporting Act ( FCRA ), Section 1681i**, which mandates that credit reporting agencies investigate and correct any inaccuracies within 30 days : - 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 I request that you investigate this matter and ensure these accounts are removed from my credit report, in compliance with the FCRA. 

Thank you for your attention to this issue.
Product: Checking or savings account

On XX/XX/XXXX I attempted ach payment for {$110.00}, it was denied bc I had no money in my account. Ok I thought cause it was denied thats it. Fast forward to XX/XX/XXXX I get online and make a manual payment for {$97.00} ( as thats what Im being prompted to pay ) then literally hours later an ACH for {$110.00} is taken and paid to XXXX. I did not approve or authorize that payment. The only ACH I approved was on XX/XX/XXXX. Now today XX/XX/XXXX they just took another ACH for {$25.00} return fee. I have XXXX kids, single mother, the ACH for {$110.00} put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So I borrowed {$40.00} from a friend for food and XXXX  takes more than half. XXXX. I did not approve any of this
Product: Mortgage

So I got XXXX XXXX XXXX to help me with a loan modification. It was great from the start because they seem helpful, but after paying them for the 3 months they asked me to, nothing happened. I have called them and emailed them and nothing. I got no reply from any of the emails and all the phone calls I made has gone straight to voicemail. Ive sent them 3 money orders in the amount of {$1300.00}. They say they email me but I havent seen anything for months. They said they left voicemails but I havent gotten any. Now Ive received a letter Notice of Trustees Sale and called the XXXX number on the back and talk to someone and he gave me the site so I can complain about what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer has been notified previously of dispute and EXPERIAN is still in violation and reporting fraud on consumer report. The company XXXX XXXX XXXX XXXX is involved with identity theft account and consumer request for immediate removal of account listed as XXXX XXXX XXXX XXXX. XXXX : # XXXX, XXXX, XXXX, XXXX, and all other accounts XXXX may or may not have alleging debt owed using consumer private information.
Product: Debt collection

I made a purchase from a company called XXXX XXXX over 2 years ago. I paid for overnight shipping because I was traveling a few days afterwards. The shipment took 3 business days to be delivered and delivery was not attempted until after I left. Since I was not there the owner of the home refused shipment. I notified test clear that I would not longer need the product on the 2nd business day and they were very unhelpful. After the shipment was refused they would not refund me any part of my order. I contacted my credit card company who then told me I had the right to dispute the charge which I did and was given my refund from the credit card company. Over 2 years later XXXX gives a collection company my information stating I have a debt to them. I was never provided a product and test clear has no evidence of me accepting the product yet the collection company took false information and damaged my credit. XXXX XXXX has removed this collection from my report but the two other reporting agencies have been making it very difficult although I have explained this. It's unbelievable that a company can do this to a person without evidence of someone receiving the product. I really need help with this as I do not think it is fair to have to pay test clear just for the sake of my credit. They should not have the right to do this. It's not about the money it is the principal. I really need help removing this collection debt off my credit report.