23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 we were notified via email that there were upwards of {$2000.00} in charges on our account. The purchases were made online and picked up in person at a XXXX XXXX XXXX. 1. we were out of town then and never ordered or picked up these products. 2. With a pick up order of $ XXXX they SHOULD ALWAYS check ID on the person picking up. 

Obviously we reported these charges as fraud. XXXX XXXX sent it over to their fraud department for investigation. After multiple calls and jumping through hoops they finally agreed that it was fraud, and we were told over the phone that ALL CHARGES WERE DEEMED FRAUD AND ANY CHARGES, AND FEES RELATED TO THE PURCHASES WOULD BE REMOVED. 

We received a letter from XXXX XXXX on XX/XX/2019 saying " We are writing to inform you that we completed the investigation on your XXXX XXXX XXXX Credit Card Account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 

I was so relieved to finally get this letter after getting the go around every time we called them and re-explaining the issue. Such a headache. BUT little did I know even though the letter said it was fixed and that XXXX, Experian, XXXX XXXXXXXX would all be updated. They were not. 

We recently pulled our credit while trying to get a home and THE CHARGES STILL REMAIN AND HAVE NEGATIVELY IMPACTED MY VERY HIGH CREDIT SCORE. I have never had any late payments or anything negative reported on any of my credit cards until this happened. 

I have continued to contact XXXX XXXX and am always given excuses and I swear the call center doesn't even understand what I am trying to explain most of the time. I called today and they are closed due to Covid 19. I have reported disputes 3 times to Experian with proof of my letter from XXXX XXXX. However when they look into it and contact XXXX XXXX XXXX Credit Card they are told, nope! The account is closed but fees and interest rate still applies! I AM NEVER PURCHASING FROM XXXX XXXX AGAIN. THIS HAS BEEN SUCH A HEADACHE AND HAS BEEN GOING ON MORE THAN A YEAR NOW. WE HAVE BEEN MORE THAN REASONABLE BUT NOW THAT IT IS EFFECTING THE LOAN ON OUR HOME THIS IS NOT OKAY! I NEED HELP FIXING THIS FOR GOOD. PLEASE PLEASE HELP! 

THANK YOU!
Product: Money transfer, virtual currency, or money service

I was using Zelle to send money to family and friends until I realized I had sent money to the wrong person without knowing and no way of getting it back. Payment could not be disputed because it was done within my banks mobile app using Zelle even tho there was no way to review who I was sending money to or how much I am sending before it is sent. My bank couldnt do anything and neither could Zelle. I had lost {$200.00} and had not used Zelle to send large amounts of money again until I realized they had a new feature to ensure you are sending money to the correct person before officially sending it. The fact that nothing could be done to help with my situation when I had lost money but now there is a feature to prevent this from happening to someone is unfair to me when I didnt receive a resolution or compensation for what I had lost.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to XXXX XXXX. They bought the leased XXXX XXXX for over the lease value. We then financed a new vehicle from XXXX XXXX. 

On XX/XX/XXXX, I received an email that Lexus had received the lease payoff but they were " experiencing delays '' processing paperwork ( attached ). 

On that day, I logged into Lexus Financial and removed my payment information from their website. 

Lexus Financial subsequently took {$860.00} lease payments on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I received refund checks for the XXXX, XXXX and XXXX payments, but there's no reason for them to have my financial information. I resorted to contacting my bank to remove payment authorization for Lexus Financial. 

To add, I received written communication XXXX XXXX from XXXX  XXXX Highway Patrol threatening to suspend my driver 's license. Upon calling and waiting for over an hour, I was informed by them that Lexus Financial did not send enough documentation to verify that I was no longer in possession of the vehicle ( which was no longer insured by me ). XXXX  suspended my license and put a lien on the title. I had to make an appointment at the DMV and bring in my sales contract and pay {$150.00} out of my pocket to reinstate my license. When I had called Lexus Financial in XXXX upon getting the letter, they said they shared the single page document they sent to XXXX, which was not enough ( attached ). It was terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I paid my charge of {$38.00} with a check. The bank says check XXXX was paid and the Comenity Bank for the Woman Within Charge Card keeps calling me for finance and interest fees I do not owe. Comenity Bank has XXXX complaints on the XXXX website and needs to be closed due to fraudulent practices.
Product: Credit card

I recently closed my Citi Premier credit card approximately 2.5 months ago and was never informed by the company that they would remove the Thank You Points in my account despite the fact that I have other credit cards with Citi that earn Thank You Points. I contacted Citi within a week of losing my points but Citi refuses to reactive the points. They refuse to allow me to speak with someone who makes these decisions and have provided no reason as to why they 've denied my request.
Product: Mortgage

I have been trying to get a loan forbearance or loan modification for my loan but to no avail. Now I have been told that they have escalated my account to a foreclosure sale.
Product: Credit card

I placed an order with XXXX that was never delivered. I tried to dispute this online but that option was not available. I tried to dispute this by phone but they have a habit of disconnecting you " accidentally ' after long holds and many transfers. I have tried disputing this in writing as well with no success yet. I provided proof that XXXX acknowledged the item was shipped to the wrong address. The credit card company is purposely making this impossible in the hopes that consumers will give up. 

The company has not responded to me. They refuse to speak to me by phone, other than to say a letter is coming. I have yet to receive any letter. I received an email from XXXX promising a response by email. That response has yet to come. In the meantime, they have brazenly flouted the requirements of the Fair Credit Billing Act. They continue to take action to collect the amount in dispute, imposing interest and requiring payment on the disputed amount. Since Barclay 's refuses to abide by its obligations, I ended up paying the amount in dispute to avoid further collections and interest. 

The company provided a response to Complaint XXXX by attaching a file ( XXXX, XXXX ), but that file is corrupt and can not be opened. That complaint was closed despite my concerns not being addressed and despite the Company 's noncompliance with the law.

In addition, my complaint is threefold and the Company 's response fails to address any of the issues raised. First, they have failed to assist, at all, in my billing dispute. On information and belief, they have failed to contact the merchant or investigate the claim at all. Second, they have implemented a customer complaint system specifically designed to discourage and thwart consumers in the exercise of their rights. Finally, they have brazenly flouted their duties under the Fair Credit Billing Act by failing to respond to my dispute despite promises to do so, and by continuing to attempt to collect the amount in dispute and charging interest on it.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT! 
Transunion is lying and they are violating my rights. It is their duty to treat every dispute as an accurate one and proceed with the proper investigation. We ARE NOT in litigation! There is no litigation pending and any prior litigation has been settled ( see attachment named signed documents transunion ). They took on this duty and as taking on this duty it is their grave responsibility to ensure each report is reporting fairly and accurately. They neglected my complaint and said we are in litigation together which is false. This is unfair and deceptive practices that violate my rights as a consumer. PLEASE TREAT THIS DISPUTE ACCURATELY, or I will be force to make a complaint to the states attorney general. 

THIS IS NOT A DUPLICATE COMPLAINT! 

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. 


UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW. This is not a duplicate complaint. I am clearly stating this complaint is not duplicate. Please do NOT IGNORE ME.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$260.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

For five plus I continue to request a copy of the permissible permission used to access my credit report in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX. I have yet to receive. Both companies play the attorney games and continue to ignore and deny any wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I purchased my home having a balloon account 80/20. Meaning, I have a first and second mortgage on my property. The first mortgage company is the XXXX XXXX  XXXX and the second mortgage company is Real-Time Resolution.  Receiving my current credit report, there are a total of three mortgage accounts that are reflecting inaccurate information on my XXXX credit report.

Real-time Resolution mortgage service is reporting to XXXX  two open mortgage accounts. THER IS ONLY ONE MORTGAGE ACCOUNT WITH THIS COMPANY. What is reporting is an account in the amount of {$48000.00} and another account in the amount of {$49000.00}. This type of error can hinder my creditability and place my debt ratio in a higher bracket. Again, I only have one mortgage account with Real-Time Resolution. 

I contacted XXXX  on XX/XX/XXXX via certified mail to inform them of the error. Aso, I have reached out to Real-Time Resolution to rectify the issue. As of XX/XX/XXXX, the issue has yet to be corrected. Reporting inaccurate information on a consumer report can lead to further action to take place against reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that you are reporting With your company to my consumer report that is illegal according to the fair debt collection practice act Delete those transactions or delete payments from my consumer report Affidavit of business information for credit purposes It is come to my attention that your company and organization Have reported several inaccurate accounts on my business credit profile. According to the fair debt collection practice act, 3rd party creditors must provide Proof and accurate documentation of a contract between a consumer and said company. 
XXXX XXXX XXXX States for the record This company has no agreements with any 3rd party debtors and Majority of consumer debt It's accurate and current please remove all misinformed information from our company consumer credit profile remove all late payments or collection accounts. Update consumer accounts to paid As agreed. Please reflect for the record all XXXX XXXX XXXX statementsFor the consumer profile of XXXX XXXX XXXX
Product: Debt collection

I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XX/XX/2016, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to Americollect out of XXXX, WI. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID I became delinquent on this account and was no longer able to pay on it. I went with a debt settlement company called XXXX XXXX who entered into a settlement with Capital One to pay an agreed upon amount starting XX/XX/2023. I have been paying on this account and still getting marked with late payments as if the account is opened, yet it is marked as close on their own website.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$35000.00} reported XXXX, XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud XXXX ) Violations of the Fair Credit Reporting Act My contact information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit card

I received and email from Best Buy offering to convert my store card to a general use card. I immediately clicked the response digitally that I did not want my card converted to a general use card in XXXX. I nonetheless received a general use credit card today in the mail. I called the company : XXXX and was informed that there was nothing they could do. They suggested I cancel my current ( new ) card and reapply, even though it could impact my credit score.
Product: Mortgage

I purchased my home in XXXX. I was approved for 2 mortgages. My first mortgage is currently in good standing. This is about the 2nd mortgage. During the Housing Market Crash of XXXX, I approached my attorney and applied for the Home Affordable Modification Program ( HAMP ). I was approved for the program. I was able to, consolidate/refinance my 2 mortgage loans into 1 mortgage loan. XXXX XXXX was XXXXne of the mortgage companies involved at the time. I was notified my monthly mortgage payment would be {$1400.00}. For several years, I paid $ XXXX to my mortgage company ( under the impression both loans were consolidated into one loan ). No one contacted me to let me know the 2nd mortgage was never settled. In XXXX, I suddenly got a notice from Madison Management Services. They threatened to sue me and foreclose on my house if I did not pay the " XXXX mortgage '' amount of {$220000.00}. They were very aggressive with how they pursued me. They said, " If you can not pay {$220000.00}, we are willing to settle everything with you for {$25000.00} and then we will go away. '' I am going through a very hard time financially right now as a self-employed carpenter. I make enough money to pay my current mortgage and utility bills. I do not have the funds to fight them. I accepted what they threw at me after their threats and harassment. They want me to pay $ XXXX on {$95000.00}. The terms include if a payment is made after the XXXX of every month they have a right to charge me a {$25.00} late fee. I inquired about whether or not the principal would go down if I made biweekly payments- they said " no. '' I have done my best to make my payments promptly but now I am going through a financial hardship, Madison Management Services is unwilling to work with me and instead of contacting me to lower my payments or settle the debt to an amount I can afford, they have contacted a local attorney who has sent me several letters ( including certified letters ) and my information has been distributed to random strangers who continuously call me and ask me if my house is for sale. They have threatened to foreclose on my house due to an outstanding amount of {$1100.00} ( with late fees ). The actual amount without late fees is {$1000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I was referred by the XXXX to BHG Financial as the XXXX does not make loans to nonprofit organizations. On XX/XX/XXXX I applied for a {$45000.00} loan for our organization and I was the guarantors. On XX/XX/XXXX I received a call from BHG to review my financial data and was assured that all looked good for the loan. The funds would be available in XXXX days after approval. My information was forwarded to a Finance Manager and a meeting was scheduled for XX/XX/XXXX. This call never and when I finally got in contact with the XXXX  XXXX XXXX she stated that there was technical problems with her computer and she wound get back with me on the following Monday. This call never happened and after several emails and phone calls, someone else called me back. I returned the call with the number left on the voice mail but did not receive a call back. I finally called the main number and was referred to a higher up manager and was told that the matter would be taken care of that XXXX XXXX XXXX, Associate account manager completed all the requested information requested. With a XXXX XXXX on XXXX and an income of over {$110000.00} I expected no issues with the approval. It was XX/XX/2023 when I was stunned to receive a denial with no explanation expect that a reason would be sent by mail within the next 30 days. Not the XXXX day service advertised or the expected approval of my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX