23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was issued a refund on XX/XX/year> by XXXX XXXX to my Affirm card. When the refund was sent to Affirm, Affirm stated that the refund was never processed and claimed that it was rejected by my bank card ending in XXXX. I advised them that it was a system glitch on their side because I use my bank card every day. However, they refused to investigate the problem and advised me that instead of processing my refund or attempting to fix the issue, that they would just cut me a check and I would receive it within 30 days. 

While on the call with the agent, I advised them that I had an active loan attached to my card ending in XXXX. While on the call, I paid the loan off with the same card through their Affirm website and it processed as expected. Regardless of proving to them that there wasn't an issue with my card on my side, they said I would still have to wait for a check in the mail for 30 days. 

The biggest issue is that I had to call this company to have them make me aware that it was supposedly rejected when they attempted to refund it. They don't have any reporting that would prompt them to let the customer know. My refund was processed 4 days ago nobody from Affirm reached out to let me know that there was an issue. 

Affirm needs to find more efficient ways to address a customer refund. Checks are archaic and I won't continue to do business with this company if they can't resolve their technical issues timely. Now, I have to wait a month to get my refund from XXXX when it should only take a few days max for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent out my a letter XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 


According to the law 15 U.S. 1681- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card

Complaint Regarding Chase Marriott Bonvoy Boundless Credit Card Promotion Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding a promotional offer associated with my Chase Marriott Bonvoy Boundless credit card. 

In late XX/XX/year>, I applied for the Chase Marriott Bonvoy Boundless credit card and received it in early XXXX. The promotional offer at the time promised 5 free nights after spending {$5000.00} within the first 3 months of card activation. Based on this offer, I made purchases towards the {$5000.00} spending threshold, intending to fulfill this requirement within what I believed to be the 3-month promotional period following card activation. 

On XX/XX/year>, I contacted Chase customer service to inquire about the status of the promotional bonus. I was informed by a representative named XXXX that I needed to spend an additional {$21.00} to qualify for the 5 free nights. Relying on this information, I promptly made the additional purchase. 

To my disappointment, upon contacting Chase customer service again on XX/XX/year>, I spoke with a representative named XXXX who informed me that I had missed the deadline for the promotional bonus and would not receive the 5 free nights. This contradicts my understanding of the promotional terms, which did not specify a specific deadline by which the spending had to be completed within the 3-month period following card activation. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue.
Product: Debt collection

There is a debt collection agency reported on my consumer report called IC SYSTEMS INC. This company is reporting an unvalidated tradeline in my consumer reports and damaging my reputation. a violation of 15 USC 1692d ( 1 ). I did not receive any information regarding the alleged debt they claim I owe. They are infringing on my rights to privacy. A violation of 5 USC 552a per the Privacy Act of XXXX. I was not given the opportunity to dispute the alleged debt. A violation of 15 USC 1692g and 12 CFR 1006. This company is reporting an unconfirmed tradeline, a violation of 15 USC 1692e ( 10 ) and 15 USC 1681s-2.
Product: Credit card

I purchased a costume from target.com. it did not fit my niece, therefore I walked in the return to a target store here in XXXX, the XXXX store. The attendant told me it would automatically be returned to my red card, ( target card ). Upon further review due to late fees on my account because it was the only item I had charged, i discovered it was not credited to my account. It in fact apparently was placed onto a gift card which I never received. I have now been assessed two late fees on my account. Target refuses to credit my amt due XXXX and in fact now charged me XXXX dlls with the XXXX and late fees. please assist. this is not the first time target abuses their authority,
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to complaint XXXX. Equifax replied to my complaint by asking me to send them a letter of my dispute and proof of identity because they do not believe I am the one submitting the complaint. I have tried to get these inaccurate inquiries removed for the longest, I have even submitted a ftc complaint and yet Equifax is using stall tactics. The complaint had the letter attached that was sent to you months ago with no response, so I will not be sending it again for you to ignore me. I will attach it here once again with the ftc report and proof of identity so that you can no longer stall. After this last attempt I will be seeking legal action being that I have proof of me trying to get this resolved time and time again. For verification purposes, my new address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. Before this address, my address was XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Immediately remove the unauthorized inquiries or I will be seeking {$1000.00} per violation.
Product: Student loan

Hello Manager ; Something is wrong with the way this is reporting. There is no way that these companies ( XXXX, XXXX, and XXXX ) investigated this student loan from NAVIENT. The same information continues to report on my credit. I honestly don't believe I that the information reported is correct on this student loan and I don't agree with the total balance that they are reporting on my credit, the fees that i been charged, the open date, and the monthly payment and inconsistent dates of last payment. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports different dates of last payment, date of last activity, and questionable balance, etc Also, Hows it possible that youve reported those inconsistencies and errors if those info are furnished by the same company? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Product: Credit card

I 'm a holder of a XXXX Mastercard, issued by Barclaycard. In the last month, Barclaycard has stopped XXXX of my transactions and harassed me either via phone or text message that my card is blocked due to security concerns. 

The transactions ( XXXX XXXX / XXXX XXXX / XXXX XXXX and two times on XXXX XXXX were in range between XXXX - XXXX USD. As Comparison, my Credit Line is XXXX USD and my annual spend with the Card approx. 60k USD. 
I understand that as a card owner I have the obligation to support the card issuer to keep my account safe, but stopping the usage of my card XXXX times within a calendar month where non of the payments are disputed require your regulatory advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018, I have attempted to contact Trans Union in reference to erroneous items on my report. I began sending written requests for verification of these items in XXXX. Since that time I have not received any of the items requested and the erroneous items are still on my report. They have yet to verify the items and send proof of that verification. They simply say " the company '' reported it as " accurate. '' Without giving the requested verifying information. I have also provided documents to Trans Union that I have sent to the suspected verifying companies and I have never received anything to verify the accounts.
Product: Mortgage

My loan was transferred on XXXX from XXXX XXXX XXXX  to PHH Mortgage. I was informed I need to start payments to PHH. PHH has no record of this transfer and will not accept a payment at this time. XXXX XXXX has stated they will not take any more payments. I am trying to avoid a late fee and late payment on credit report but neither company will assist.
Product: Debt collection

Portfolio Recovery has made a Hard Inquirey Credit Pull on XX/XX/2023 without my authorization or consent.
Product: Credit reporting or other personal consumer reports

I've recently reviewed my credit report and noticed that there are inquires being reported that I can not identify.
Product: Mortgage

RE : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + XXXX, tax parcel # XXXX Dear Sir or Madam, I have purchased a lot at the above address in XXXX. I had planned to build a house and move there with my wife upon our retirement. However, XXXX XXXX refused to advance payments against the mortgage for the construction. XXXX bought this loan from XXXX, out of bankcruptcy. 

We had originally taken out a construction to permanent loan with the now defunct XXXX. The loan was saddled with very high fees and closing costs. Also, the interest rate was initially high at 7 %, despite my, at that time, very high credit rating. XXXX issued payments to the mortgage broker ( commissions ), the real estate agent who sold us the lot as well as an initial draw to the original contractor that was supposed to build the house. Those draws were issued against my loan with nothing in return to me, resulting in a much higher balance than if I had just bought the lot. The contractor never did any construction but pocketed the money advanced to him by XXXX. 

After XXXX went bankrupt in XXXX, XXXX Bank purchased the loan for XXXX cents on the dollar. Even though this was a construction to permanent loan, XXXX XXXX refused to pay for the construction of the house. At that point, I had already paid out several XXXX dollars out of pocket to the contractor for site preparation. So I got stuck with the sunk cost of not only XXXX of dollars in unnecessary loan costs, but also the sunk cost of the site preparation. 

Even though XXXX Bank reduced the interest on the loan, they have collected more in interest on this loan than what they had originally paid for the entire loan. Over the past 10 years, I had asked XXXX XXXX three times to reduce the outstanding principal or to take the property back ( deed in lieu ), but they had always refused. 

I am XXXX XXXX old and my wife and I only receive Social Security income and a few XXXX dollars in rental income per month. Our out of pocket medical expenses are mounting and in order to continue making payments on the above-mentioned loan, we will soon be forced to sell our home. 


Sincerely, XXXX XXXX
Product: Checking or savings account

To limit sharing at XXXX XXXX XXXX of my shared information when calling at the bank while opening the account to OPT out of sharing was having issues with people that could barely speak English. Was on the phone while the accounts person was opening my account and doing paper work. It's not clear by XXXX XXXX XXXX my account is opt out. I'm OPT out at all 3 Credit Bureaus of marketing and all services with XXXX, XXXX, XXXX  are all OPT out of Marketing and services. There is a block on my credit files regarding Marketing & Promotions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to resolve an issue with my credit reports from XXXX, Experian, and XXXX. I have disputed and ask for real validation of current owed balance. Since the pandemic I have fallen behind just like all americans. I have followed the Cares Act and made attempts to resolve my debts with my creditors, at the least to get a statement on my report that I'm affected by XXXX. No one is responding to my inquiries. I will like my protection under the Cares Act to be in affect but if I'm being ignored by these companies, how can I be treated fairly? Attach is a letter that I sent to my creditors 2 months ago.
Product: Debt collection

This is the 4th or 5th time XXXX XXXX XXXX Has hired a collection company for a debt I do not even owe. 
this account is over 5 years old. I am sick and tired of proving I do not owe this debt.This will be the 3rd time I have reported this so called debt to the Federal Trade/CFPB. 
This new collecting debt company named ERC keeps calling and calling my phone about this debt i do not owe, I received a letter in the mail today from ERC Collections. 
stating they want me to settle this debt. for the amount of {$140.00} and giving me options on how to pay this so called debt. 
My account with XXXX XXXX XXXX was closed years ago after they tried to charge me for long distance that I did not use. They could not prove the charge, and I paid my bill with XXXX XXXX XXXX and I terminated their service landline. This is an ongoing problem from a company that is trying to muscle money from me that i do not owe. 
This letter from ERC is dated XXXX XXXX, 2017. and it say that XXXX XXXX XXXX is the original creditor ... ..And if this debt has been placed on any of my credit reports I will fight to have them removed
Product: Debt collection

DEBT RECOVERY SOLUTIONS has reported a debt of {$4000.00} for a company called XXXX XXXX XXXX  that I have never done business with. I filed a dispute with XXXX and XXXX and they informed me that they confirmed the debt as valid. I have submitted a validation request via email and have received no response.
Product: Credit card or prepaid card

This is my second time filing a complaint regarding my Chase Credit Card. My prior complaint reference number is XXXX filed on XX/XX/XXXX. 

In my prior complaint, I explained that I was seeking a lump sum settlement of the balance owed on my account with Chase. Chase responded stating that they had offered me a 10 % reduction in the balance owed. At the time this settlement offer was not affordable to me and I counteroffered to an amount I could afford - which was declined. 

Since my last complaint in XXXX, my husband is still unemployed due to COVID-19 and the business does not plan on reopening. My husband and I are trying to be proactive to resolve our outstanding debts to manage our finances on one income. As part of the CAREs act, I was able to obtain a large disbursement from my XXXX to try to help my family manage our finances. I made this decision to take the disbursement from my XXXX based on the information that was previously provided by Chase - that they would settle the balance for a 10 % reduction. 

Today, XX/XX/XXXX I contacted Chase again to request the 10 % balance reduction that was offered in XXXX by Chase to resolve the remaining balance owed. I was told that my account was not eligible. The representative I spoke with had a representative number of XXXX. She stated that based on my 'excellent ' payment history, my account was not eligible. I attempted to point out to her that the card is nearly maxed out and that I had been making the minimum payment for the past year - with no end in sight. In addition, the balance of the account went over my limit in XXXX, XXXX. Her suggestion was to call back in XX/XX/XXXX days to see if the status had changed. When I explained that I was previously offered a settlement on the account, she indicated that the status of the account changes. I was also informed that the settlement offer most likely would not be accepted unless the account was past due. 

I made informed decisions based on the information that Chase provided me in XXXX. Specifically, that they would settle the balance owed on my account for a 10 % reduction. After this sustained hardship, I decided to take a large disbursement from my XXXX - knowing that I would be able to resolve the balance owed on this account for less that what I owed. This pandemic has severally affected my family and I needed to make this disbursement go as far as possible. I believe that the actions taken by Chase are unfair, deceptive and abusive. 

I like many consumers am facing a sever financial hardship, I am trying to resolve this debt to the best of my abilities. Chase is forcing me to make the account delinquent, thus damaging my credit, just in hopes that they can get a full payout on the account. These actions are extremely abusive to consumers in dire need of aid.
Product: Credit card or prepaid card

Capital ONE has restricted the use on my personal credit card because they state they want to verify the income for a XXXX credit card account for a business I am associated with. The XXXX is a seperate entity from my personal account with a seperate XXXX #. According to their terms they may suspend my account for any reason permitted by law, however this seems unlawful since the issue is entirely with a seperate entity. They are requesting complete bank statements for the Business account which I think it is intrusive, I did not agree to that and there terms do not state I have to agree to submit bank statements for my personal account or Buisness. Ive had an issue loike this in the past where capitalone will restrict my personal account in order to access sensitive financial details. They ask for bank statements detailing all transactions and I have never experienced this type of abuse from a credit card company.
Product: Credit reporting or other personal consumer reports

My consumer rights has been violated, looked over and not been taken into consideration. By XXXX, Transunion and XXXX. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX. XX/XX/XXXX i sent out certified letters to each bureau reminding them of the laws they have broken. XXXX and XXXX failed respond all together, never received anything. Transunion only sent my report. XX/XX/XXXX I sent more certified letters reminding them that have broken laws again. XX/XX/XXXX I requested for unverified accounts to be removed as they have broken the laws and is required to be removed, they failed to do so. XX/XX/XXXX I sent certified letters reminding them of internal laws that have been broken outlined in XXXX Compliance, which all 5 laws have been broken and violated. XX/XX/XXXX I sent certified letters in an attempt for them o make things right but still failed to follow the law. XX/XX/XXXX was my last attempt certified letters for them to follow the consumer laws that should protect me. A fair resolution will be for them to remove all negative accounts from my credit profile as each of the laws have been broken outlined at the beginning of this complaint. By reporting inaccurate and unverified information is a violation of my rights and prevents me from moving forward in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Shellpoint mortgages services dated XX/XX/2023 that said to opt out on a loan that I never authorized to apply for or gave permission to run inquiry on my credit report. I found an inquiry on XXXX credit report that I never authorized. The letter I received had an actual loan number in it.
Product: Debt collection

RE : Cease and Desist Letter for Account # XXXX To whom this May concern, This letter serves as a formal notice to demand that National Credit Systems immediately cease and desist from all further communication with me regarding the alleged debt associated with account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby exercise my right to request that you stop all communication and collection activities. Any further contact from your company will constitute a violation of federal law.

Legal Basis for Cease and Desist : Violation of FDCPA : Under 15 U.S.C. 1692c ( c ), once a debt collector is notified in writing to cease communication, any further communication, except to confirm receipt of the request or inform the consumer of specific actions being taken, is a violation of the FDCPA. 

Supporting Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : The Supreme Court affirmed that the FDCPA applies broadly to all debt collectors, ensuring robust consumer protections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) : Debt collectors must adhere strictly to cease-and-desist requests issued by consumers. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Failure to honor a written cease-and-desist request constitutes a clear violation of the FDCPA. 

Dispute of Alleged Debt : I also dispute the validity of the alleged debt and demand validation under 15 U.S.C. 1692g ( b ). Until you provide sufficient evidence to substantiate the claim, all collection efforts must cease immediately. Failure to provide validation will be considered a further violation of my rights under the FDCPA. 

Prohibited Actions : You are hereby prohibited from : Communicating with me directly or indirectly through phone calls, letters, emails, or any other means ; Reporting or continuing to report the alleged debt to credit reporting agencies without proper validation ( see XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) ) ; Selling, transferring, or assigning the alleged debt to any other entity.

Consequences of Non-Compliance : Should National Credit Systems fail to comply with this cease and desist request or continue to engage in unlawful collection practices, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Pursue legal action against National Credit Systems for violations of the FDCPA and other applicable laws, seeking damages as provided under 15 U.S.C. 1692k. 

Final Notice : This letter serves as my final communication regarding this matter. No response is required unless you are providing validation of the alleged debt in compliance with 15 U.S.C. 1692g. Any communication beyond this without validation will be deemed harassment and a willful violation of my rights. 

Thank you for your prompt attention to this matter. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations