23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called FedLoanServicing to request refunds for payments I made during the federal payment pause. I am eligible to receive refunds due to federal law. 

The loan agent I spoke with denied my request 4-5 times over the span of more than 2 hours. I informed her that I am in fact eligible and she denied that I was. She had me wait on hold multiple times, for several minutes at a time. The last hold she had me wait on was over 40 minutes and continued into their closing time. I hung up and called back and could not reach an agent because they were closed. I believe she intentionally left me on hold for this long into closing time so she would no longer have to speak with me. 

I called again on XX/XX/22. The first agent I spoke with denied my request and transferred me to his supervisor. I waited on hold for over 20 minutes and decided to hang up and call back. 

This time, the agent I spoke with was very kind and processed my request. She told me I can expect a refund as early as XX/XX/22 and that my closed accounts would be reinstated according to amount refunded. I thanked her. 

I called on XX/XX/22 to request an update on the status of my refund. The first agent I spoke with stated she could provide no update or any additional details other than a request has been received and it may take 30-45 days to receive a refund. I requested to speak to a supervisor.

When the supervisor answered she asked if I wanted to request a refund. I stated that my refund request has already been submitted and that I am requesting a status update on my refund request because I was told I can expect the refund as early as XX/XX/22. The agent stated she can provide no additional details other than the refund may take up 180 days. 

I am complaining because 1 ) some agents are flat out denying requests 2 ) some agents are reluctant to process requests 3 ) agents are giving inconsistent information and cant provide pertinent details.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were not a charge off, they were paid off .. I took care of the accounts and they were paid in full.. Remove this error from my credit report asap XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a collection on my account for the amount of {$8300.00} with all 3 credit reporting agencies. I placed a dispute indicating that the vehicle was turned in and sold to covver the balance. The dispute was filed on XX/XX/2018. I have yet to hear anything from any of the agencies regardsing these disputes. According to the FDCPA, and dispute/investingation listed longer than 30 days must be removed from my credit report. I am requesting that this be the case!
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer has not consented, authorized or benefited from any of the following adversely furnished data. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Companies XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  AXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX ACCOUNT # XXXX CHARGE OFF XXXX XXXX Acct XXXX Charge off XXXX XXXX XXXX  XXXX Unvalidated Collection XXXX XXXX XXXX XXXX  XXXX LATE PAYMENT
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX at XXXX XXXX I was finally able to make a payment to The XXXX XXXX XXXX. I had tried throughout the day and the site was having issues. They posted the payment on XXXX/XXXX/XXXX. On, XXXX/XXXX/XXXX, after receiving my current bill I wrote, since I was charged a {$27.00} late fee and asked to have the late fee reversed since there was an issue with their site. On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating there were some updates made to their online account and one of the updates was if I needed the payment to post to my account on the same day and it is after XXXX XXXX I could call and they would process the payment for me. But, since my account was closed in XXXX XXXX, they are not able to credit any late fees at this time. I asked why I did NOT receive any information about this according to my credit card contract and wrote back and stated since I had NOT received this update, please credit the account and I was asked to call by a XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called and spoke with " XXXX '' who told me I could NOT have the late fee credited because my account was closed. I explained to her that I NEVER received anything with regard to making the payment over the phone to be credited the same day when it was after XXXX XXXX She proceeded to tell me XXXX XXXX  provided WRONG information a few times and apologized for the bad information I was given ands she would make a notation that I was given bad information.
Product: Checking or savings account

To whom it may concern on the XXXX of XX/XX/2023 at XXXX est time I the account holder of XXXX XXXX XXXX XXXX at the bank of America sent a XXXX payment in the amount of {$3100.00} after XXXX hours bank of America claims via email I was refunded then they claimed that my money never left my account even though it did based on my accountant and my bookkeeper not to mention they sent an email saying it will be refunded they can't get the story straight I asked multiple times for them to investigate my claims nothing would appear these funds have vanished with no explanation this whole situation seems very odd I am merely asking why the story keeps change i strongly believe the bank of America has lost my money and just is blaming me at this point the whole thing seems beyond shady
Product: Credit card or prepaid card

I applied and was approved for the Chase Sapphire Preferred card on XX/XX/XXXX. The promotion I signed up for was for 50,000 points after spending {$4000.00} in three months. The promotion also waived the annual fee of {$95.00} for the first year. 

On XX/XX/XXXX, I was charged {$95.00} for the annual fee even though the original credit card application said the annual fee would be waived for the first year. 

I called Chase two times on XX/XX/XXXX to have them refund the fee since the promotion did not charge the annual fee for the first year. After speaking with two supervisors, their best explanation was that I applied for a different promotion that did not waive the annual fee. They said at the time, they were running two promotions -- one that waived the annual fee and one that did not. I accessed the application through their own website on two separate occasions, the first time I did not finish filling out the form. When I went back to submit my application, apparently the promotion changed and it was not made clear to me. It seems to me that Chase purposely knows that some consumers, such as myself, are unaware of two separate promotions ( on with annual fee waived and one is not ) and deceives consumers who unknowingly apply for the wrong promotion. The terms and offers should be made more clear throughout the application and should not change depending on when, where, how the application is accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted XXXX to remove XXXX XXXX XXXX off my credit they have not done so
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed personal information that is incorrect on my credit report with experian they have declined to corrected, In addition, I have disputed a collection being reported under the credit file maintain under my social security number with Experian and also requested their Method of Verification and deny to provide me that and deny to investigate further.
Product: Credit reporting or other personal consumer reports

I seek relief from XXXX XXXX XXXX to cease reporting late payments or Charged Off status on my credit profile any to agencies such as XXXX, XXXX, and XXXX for XXXX XXXX XXXX Account No. XXXX in the My name XXXX XXXX. Pursuant to 15 U.S. Code 1635-Right of rescission as to transactions, should the credit report reflect late payments or charge-offs, I will have no choice but to report it to the authorities and file a lawsuit for mental distress and damages. The damages I'm not able to qualify
Product: Credit card or prepaid card

Im now having to reopen my complaint because you closed the last one just because they responded with the same lies theyve been feeding me and now you. Ive have shown undisputed proof to backup everything I have said and they havent provided not one thing to support their opinion. But yet you still threw me to the side and closed the claim because they said what lie they wanted you to hear. They also said to open a dispute so they could fix it and get my money. Well guess what? Ive already opned that dispute 4 times and they keep denying it and saying that same XXXX  about the merchant voiding the refund. Ive shown remarkable proof that the merchant never voided the refund. I have actual visible proof either the merchant stating that never happened. They even provided a confirmation / tracking # where the refund was successfully completed on their end. But cashapp  has the guts to sit here and lie and still say they voided it. The truth is Cashapp voided the refund and it must have been by mistake or whatever. I think they meant to void to original purchase transaction but instead voided the refund I should have received on XXXX. The refund even shows on my statement for XXXX sake and says the transaction was voided and the funds were returne me to my balance. That would have been great if it was the actual purchase transaction they voided and not the actual refund that the merchant did in fact send to me. Im once again uploading proof of all this. Just look at the files Im uploading. Cashapp is lying or theyre too ignorant to figure out what Ive just said happened and either way they have no business being in charge of peoples money in no shape way or form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was amazed when I viewed my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable inve5stigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. -- 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.  Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Product: Vehicle loan or lease

XXXX  XXXX  knowing let my XXXX  use my information to buy a car I did not sign a contract she had no power of attorney she went in to buy a car her credit didnt go through XX/XX/XXXX they allowed her to use my information sign the contract and drive off she returned the car XX/XX/XXXX was told they would give her the refund back and end contract only to denied it on XXXX I found out on that day I went in to dealership and informed them that I did not want said car and wanted out of contact they informed me that I gave them a verbal power of attorney which I did not and its not legal Ive let Capital One know what was happening and they are not helping either I just want out on this deal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian a consumer reporting agency. for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ XX/XX/year> ], I sent a letter to Experian notifying them of the reinsertion of XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my abitity to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

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  These inquiries were not authorized by me and need to be removed
Product: Debt collection

XXXX XXXX  XXXX Balance {$15000.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused CREDIT COLLECTION SERV Balance {$360.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused CREDIT COLLECTION SERV Balance {$310.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$4000.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$280.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused
Product: Credit reporting or other personal consumer reports

I was completely stunned this morning when I saw inaccurate accounts on my credit report. I have no idea why this happened. I check my credit report regularly, and suddenly, there were discrepancies that werent there before. I even tried refreshing my browser, hoping it was just a glitch, but the errors didnt go away. This issue is really concerning, and Im asking for a thorough review of the documents Ive submitted so I can finally stop stressing about this.
Product: Mortgage

I applied for a mortgage with new American funding. 

I was given a quote for the mortgage based on my down payment and purchase price. When the appraisal for the home came in lower than the purchase price new American said it would cost me an additional XXXX in cost. 

I expressed that it did not make sense for me to pay that cost since I did not want to be in this loan for the long term. Verbally I was given cost based off the new Loan to value. 

I agreed that instead of paying almost XXXX in cost for a 2.75 rate that I would take a 3 rate and have no cost. I emailed them that I did not receive updated disclosures. They timing was tight as we were already closing 7 days late from this hold up and the seller was wanting to back out. They never provided updated disclosures and snuck the fee in anyways at closing. 

I emailed for them to correct it or make it right with me. The agent I worked with acknowledge that isnt what we discussed verbally but she isnt the one that prepares the paperwork and since its signed she couldnt do anything. She escalated to her managers. Ive followed up servers times and theres been no resolution or response from management. 

I feel new American prolong my process and backed me into a corner. I had to sign or I wouldnt have a place for my family and I to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit limit on the XXXX/XXXX XXXX account on my credit report is not listed please provide this. If it cant be provided delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed that Portfolio Recovery was first an inaccurate account. It was collection purchased from XXXX XXXX that was taken off my record then recently put back on questionabley? After realizing it would take to long for me to clear them via dispute I called and made a settlement agreement to close the case and payed the amount via debt card. They now say I owe them another payment that is significantly effecting any chance of building better credit when an agreement was set. They reported to all three and tarnished my record. This is a complete violation of privacy and trust. I have proof that the account was paid in full and money was taken from account. I feel extorted from the phone calls to the lies to the more payments and now i dont know if my credit will ever reflect my honest payments. I have gotten nowhere and need immediate relief! 

On XX/XX/2020 they updated my experian report 2 weeks before I they reported only to a third party app that I payed. They are tarnishing my record once again and insulting me by not taking accountability. This is the finally complaint and I will soon file in a court of law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equafax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX XXXX XXXX and Equafax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a ( FCA ), 31 U.S.C. 3729 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( I try 15 U.S. Code 16 15 U.S. Code 16960g I have make multiple disputes to each XXXX XXXX, XXXX and Equafax in the year of 2024 my credit report has not been fixed there are debts and collections and inquiries that are still on my credit report that should have been discharged. After making multiple disputes.
Product: Payday loan, title loan, or personal loan

Borrowed {$1500.00} made payments for 2 years with no.luck of paying down balance due to high interest rates. I got sick lost my job they towed my car and gave me little.time to pay then {$2000.00} to get my car back to avoid them selling it. I had told them my situation and that I was in the hospital for weeks and they still sold my car. My credit report now states XXXX  as a loan that was charged off with an balance of XXXX owed.