23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have contacted by phone on multiple times the customer services department of : Shop Your Way General Inquiries XXXX XXXX XXXX XXXX XXXX, SD XXXX Payment Addresses Shop Your Way Credit Card Payments XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, PA XXXX Shop Your Way Credit Card Overnight Delivery/Express Payments Attn : Consumer Payment Dept. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, KY XXXX Contacted : XXXX 24/7 /Technical Assistance XXXX and the Rewards Center XXXX. When you call this number for your redeemed points concerns, you can not speak directly to a customer service representative on the issue. Only a voice recorded system that you can get basic info. The recording gives you general information and tells you to use online website to address your concerns in which I did contact the online services on why my points were removed with no resolution for my concern. Customer Services main direct number tries to place you over to the Reward Services number knowing that you can not speak to a representative once you are placed in this phone system loop. I had communicated this to main customer service representatives several times that the rewards points customer service phone number does not have anyone that you can speak to directly and the system places you in a loop of useless information that is not useful to address concerns of the point rewards. 

As of XX/XX/, it is indicated in the attached credit card statement my XXXX Total Reward Points. I had brought this to the attention of the Customer Service Representative. On XX/XX/XXXX I used only XXXX points that should have left me a balance of XXXX reward points. However, the system XXXX out my account leaving me only XXXX points reward balance. I had immediately called customer service to have them to explain to me the reasons why the system had removed all of my points to a XXXX reward points balance as indicated in the below attachment currently from their website statement. I have attempted several times afterwards to resolve and spoke to Customer Services Supervisors on several occasions to correct. The responses I have received was that they would fix this issue. To date, I have not received any resolution to resolve my issues for current reward points that still should be accumulating new points. The first line representative and their supervisors will not escalate my concerns to upper management the several I have contacted the office to resolve my concerns. I have sent intercompany emails as included in the attachment below also of the unresolved issues and the removal of all of my reward points. This is fraudulent advertisements and misrepresentation of the consumers product that is being advertised by the credit card provider.
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. Account name : Account Name XXXXXXXX XXXX XXXXXXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} Account Name : XXXX XXXX XXXX XXXX XXXX 0 % Account name : XXXX XXXX XXXX XXXX XXXX XXXX 0 % The XXXX XXXX XXXX {$60.00} has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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: Bank account or service

Since the government has now changed the rules regarding transfers of IRA 's from one financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken XXXX months to get {$87000.00} from Wells Fargo to XXXX XXXX. It was only my irate phone call to XXXX this morning that the money was miraculously " found ''. When we were allowed to pick up the check from one institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!!
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to omit this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased XXXX XXXX XXXX XXXX Preferred Service Agreement ) with the lease of my brand new XXXX XXXX XXXX. It is my belief that the company that runs this plan is a complete fraud and is purposely refusing to fix damage that is covered by the plan that was purchased. I have called XXXX XXXX on numerous occasions and have been given the runaround. It is my belief that this company is taking honest customer money with the intent to never pay on a claim. This product should never be sold with vehicles if it is criminal in nature. The contract is predatory in nature.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX and XXXX have properly fixed this issue, Experian has committed numerous FCRA violations starting with not even ACKNOWLEDGING the certified mailing disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

my bank pulled up my credit report checking and XXXX XXXX XXXX XXXX come up still oweing them what i done paid off, i went there and they gave me a paper stating it is paid off, no balance they XXXX XXXX stated nothing they could do so, i was told by local credit burea to dispute it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted the Creditors and let them know that I do not have any accounts associated with their Financial Institutions and I did not authorize or give permission for credit check with the inquiries soft or Hard. ( XXXX XXXXXXXX XXXX is the only Authorized ) All others are reporting Falsely. 
On XX/XX/year> I contacted XXXX spoke with Representative name XXXX for 20 minutes and 39 seconds as he kept telling me that he can not remove the Hard inquiries felt like my Blood Pressure was elevated. XXXX XXXX rep gave me the phone numbers again for each creditor which I've already told him that I contacted, then called XXXX and Equifax and advised them according to the FCRA- Fair Credit Reporting Act unauthorized & unverified Items must be removed. 

I am requesting the Removal of all Hard Inquiries from all 3 credit bureaus for False reporting inaccurate unauthorized information to my name. 
*XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  *EQUIFAX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX  I had {$1700.00} in my Credit Karma account. On XXXX XXXX it showed all {$1700.00} was withdrawn and transferred to something called XXXX XXXX Naturally neither company will help : Credit Karma let the money disappear from my account and whoever opened the account with XXXX, never used any of my information and stole it on XX/XX/XXXX. Now that the money is gone, Credit Karma has closed my account and will not talk to me,
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried several times to have the issues corrected and so far nothing has happened
Product: Debt collection

CFPB Complaint : Debt Collection Abuse by Caine & Weiner Introduction I am filing this complaint against Caine & Weiner, a debt collection agency, for violating the Fair Debt Collection Practices Act ( FDCPA ) and engaging in abusive debt collection practices. I dispute the debt they are attempting to collect and request validation of the debt according to federal law. 
Dispute of Debt I am disputing any and all debt that Caine & Weiner alleges I owe. I have no knowledge of this debt and believe it may be inaccurate. I request Caine & Weiner to cease all communication attempts until the debt is validated.

Revocation of Communication Rights Pursuant to 15 U.S.C. 1692e ( 1 ), I hereby revoke Caine & Weiner 's right to communicate with me by phone call, text message, or email. All future communication must be done in writing via US mail.

Request for Debt Validation Under 15 U.S.C. 1692g, I demand written validation of the alleged debt within 15 days of receiving this complaint. This validation should include : The amount of the debt The name of the original creditor The date the debt was incurred A breakdown of any charges or fees associated with the debt Request for Purchase Agreement If Caine & Weiner is not the original creditor, I request a copy of the purchase agreement between them and the original creditor, demonstrating their legal right to collect this debt.

Request for Proof of Licensing and Bonding Pursuant to 12 CFR 1006.34, I request Caine & Weiner to furnish proof of their license and bond to collect debts in my state. This proof should include : A copy of their debt collection license issued by the appropriate state agency Verification of their surety bond Failure to Provide Proper Notice If Caine & Weiner believes they previously notified me of this debt, I request a copy of the notification with a certified mail receipt showing my signature. The FDCPA requires them to provide proper written notification of the debt, and a certified receipt with my signature is the only way to confirm this.

Demand for Response Caine & Weiner has 15 days to respond to this complaint and fulfill all the requests mentioned above. Failure to respond or comply with these requests will be considered a violation of the FDCPA.

Sole Acquiescence This complaint constitutes my sole communication regarding this disputed debt. I will not engage in further conversation with Caine & Weiner until they have validated the debt and responded to all my requests outlined above.

Please Note : I have included relevant reference codes from the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ) to support my claims. You can find more information about the FDCPA on the Consumer Financial Protection Bureau ( CFPB ) website : https : //www.consumerfinance.gov/. 
Iam submitting this complaint to reserve all my rights
Product: Checking or savings account

I have not received my deposited check on XX/XX/year> and have not received an update what so ever. I am in desperate need of my money plus my debit card is not working at all.
Product: Payday loan, title loan, or personal loan

I am officially filing a complaint against Enova International , Inc. d/b/a NetCredit. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. NetCredit claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a NetCredits bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a NetCredit makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX  database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a NetCredit has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. 

On XXXX XX/XX/2017, I took a loan from NetCredit in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$2000.00} plus a check payment of {$100.00} which has not been cashed or applied to my account. 

NetCredit states I still have fourteen more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3600.00}, more than THREE TIMES the loan amount!! 

NetCredit has received its {$1200.00} back PLUS {$830.00} in interest. This is a rate of 69 %!!!!! 

The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I am making this complaint to appeal to the Better Business Bureau, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. 

I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a NetCredit will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX XXXX XXXX  fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Trannsuion and sent letters by certiftied mail three times to have 48 inquiries investigated and removed from credit report. They told me to fill out an Identity Affidavit I done that on this website. And sent them the information. I have heard nothing from this website with results and Transunion is still refusing to remove the inquiries, and has not sent me anything of the results from the investigation. No copies of the credit application showing my signature.
Product: Checking or savings account

Hello, I've transferred funds several times to my Robinhood account in XXXX totaling about {$47000.00} plus {$2000.00} that's currently pending. I informed Robinhood in XXXX that I just went to transfer the {$2000.00} and noticed that there were several trades that were made on my account that I didn't authorized. I use the account as a savings account because of the interest rate. I didn't notice the balance when I made the 2nd and 3rd transfer. I went straight to the transfer section on the app. I requested a refund and they restricted my account then unrestricted it and closed my case in less then 2 days. I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX CO/CA pulled my credit report without my signature authorization on : XX/XX/2021 I fully expect this to be removed from the 3 main credit reporting agencies of XXXX, XXXX, and Experian immediately. 

Your failure to act will be this matter being referred to the Attorney Generals Office. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. I feel like I ', being ignored and taken advantage of in my disputes. Section 511 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I've been very patient but now it's been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you caused me and my inability to get credit due to these inaccurate items. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2021, I sent the credit reporting agencies letters notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX/XXXX  {$13.00}, {$7300.00} {$4300.00} {$3600.00}
Product: Debt collection

In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.