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

I have disputed my account numerous times and the company is failing to forward me copies of said investigation, and or responding without addressing my issues.. 

In XXXX I requested certain information about said accounts and they haven't sent me over anything.
Product: Credit card or prepaid card

I have a credit card with TD Bank ending XXXX. I purchased photos from a local photography store. The owner came highly recommended from a picture frame store I did business with and was very happy with. The experience with the photographer was very different. I came home with my prints and the quality was awful and most of the pictures had heads or body parts cut off. I called the owner of the store and she did want to give me a refund. I had read reviews online that she was difficult and argumentative. I had a similar experience. However, she insisted on making the situation right by replacing the photos with better quality prints. She asked me to send them to her through a site called XXXX I went on there only to find the charge to send the prints was {$110.00}. I only paid {$36.00} for my photos so I would not use this service. She knew what she was doing. I filed a dispute with my credit card. I explained the circumstances to TD Bank that I did not return the prints since the photo studio was over an hour round trip and I had attempted to resolve the issue with my original call to the owner. The representative seemed satisfied with my description and opened a case. I just received a letter in the mail from TD Bank requesting a tracking number showing proof of return. I called TD Bank and learned they made a mistake and closed my case. I don't feel they have adequately handled this dispute since they did not listed to me when I stated I did not return my photos and they closed out my case without appropriately resolving it. If they need proof of a return, they never should have opened the case to begin with.
Product: Debt collection

To Whom It May Concern, I am writing to formally complain about the actions of " XXXX XXXX XXXX XXXX XXXXXXXX '' regarding a foreclosure notice I received today, XX/XX/XXXX. Below, I have detailed the issues and my concerns : ( 1 ) Discrepancies in Foreclosure Information I received a foreclosure notice dated XX/XX/XXXX from " XXXX XXXX XXXX XXXX XXXXXXXX '' indicating a foreclosure court date of XX/XX/XXXX. However, when I called and spoke to an agent today, I was verbally informed that the system does not reflect any scheduled foreclosure court date. This inconsistency raises serious concerns about the accuracy and reliability of the information being provided by the company. 
( 2 ) Questionable Validity of the Foreclosure Notice The foreclosure notice I received lacks a signature, which I understand is typically required for such legal communications to be considered valid. This omission calls into question the legitimacy of the notice and whether proper procedures are being followed. 
( 3 ) Potential Fraudulent Activity The conflicting information about the foreclosure date and the unsigned notice raises concerns about potential fraudulent or deceptive practices by " XXXX XXXX XXXX XXXX XXXX '' ( 4 ) Dispute of Debt Validity I also dispute the validity of the debt associated with this foreclosure notice. I believe the debt in question does not reflect my approved and recorded loan modification agreement, which I have provided to the appropriate parties. Any debt calculations based on the original loan terms or improper application of my payments are incorrect and invalid.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed this account because it is fraudulent and I have also filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on this account. Who did you interview to come to this conclusion that this was my account? This is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any other inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. These are the ONLY personal information that should be reported on my credit report : Incorrect Previous Address - XXXX XXXX XXXX XXXX, FL XXXX Incorrect Name - XXXX XXXX XXXXXXXX Employer - XXXX OF XXXX Employer - XXXX XXXX Incorrect Name - XXXX XXXX XXXXXXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Incorrect Name - XXXX, XXXX, XXXX
Product: Mortgage

XX/XX/XXXX, I received an escrow analysis increasing my payment from {$780.00} to {$1200.00} because the company paid not only my tax bill, but a 2nd tax bill for a house in the area. They misappropriated {$2400.00}. When I called them, they told me I would have to prove that they paid taxes inaccurately. When I called the tax assessor for my parish, it turns out not only did they know they made an error, they had already requested a refund that was in process. They received this refund on XX/XX/XXXX. They refused to fix their error until they had the money back ( money I did not misappropriate ). They then told me they would allow me to pay my {$780.00} payment on XX/XX/XXXX and they promise not to mess up and mess up my credit or my amortorization on my loan. I can not trust this. They told my closing attorney 's office ( who called them ) 2-3 weeks and when I called today, they are now stating another 30 days to correct their own error. In addition, they can not read insurance documents ( or they are harassing me ) and sent me a letter that there is not enough insurance on the property. I have responded by fax today placing astrisks where the correct information is on the insurance doc proving the insurance is sufficient. This is the same insurance and insurance company that was approved for my FHA closing. My mortgage rep helped me get it so it would be accurate for my loan. I need my payment fixed immediately. I did not make an error. I did not misappropriate money. The supervisors do not care and expect that I trust they will not misapply the payment for XX/XX/XXXX. I can not trust this company. They can not read and they expect me to pay for my errors.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX # XXXX, Has violated my right. 
15 U.S.C 1681Section 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 my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a Disbute and complaint from cfpb to XXXX and the response was updated/the accounts was removed but its NOT! Its currently still on my credit report and it shows 36 late payments from these accounts thats closed XXXX XXXX XXXX XXXX I got these loans are duplicates Ive consolidated all four loans to a new one. XXXX told me I have to get them removed from the credit reporting company. This is really affecting my credit and its stopping me from purchasing a home, financing a car, and earning credit cards. Its listed as late 9 times for each account altogether its 36 late payments which should be illegal plus Ive had these accounts for over 7 years thats past the statute of limitations in Michigan please please remove these accounts.
Product: Money transfer, virtual currency, or money service

Scam post was put on XXXX by XXXX XXXX on XXXX2023 He stated he had XXXX XXXX XXXX XXXX for sale. 

XXXX XXXX/XXXX/2023 XXXX transfer from Wells Fargo XXXX Account {XXXX} XXXX XXXX/XXXX/2023 XXXX XXXX transfer XXXX Wells Fargo Bank XXXX Account {XXXX} Total of {XXXX ( agreed upon price ) sent to XXXX XXXX XXXX for XXXX XXXX tickets. Seller did not send the tickets and requested an additional XXXX} at which time we new it was fraud/scam. He would not answer any additional correspondence. 
Called Wells Fargo XX/XX/2023 and they for some reason only entered XXXX fraud claim # XXXX for XXXX {XXXX} transaction. Called Wells Fargo back on XX/XX/2023 for status and they said the claim was closed. On XX/XX/2023 Wells Fargo generated the XXXX claim for the XXXX {XXXX}. Claim # XXXX. 
Called Wells Fargo back on XX/XX/2023 to check status of XXXX claim. Wells Fargo stated XXXX claim was also closed and is not liable for the {XXXX} and will not refund the money back into my account. Tried to escalate claims through Wells Fargo but they stated there was nothing else they could do.
Product: Credit card

I have had numerous problems accessing my online credit card account with Comenity Bank. They may be part of Bread Financial now. They issued my AAA Travel Advantage VISA Signature credit card. 

The first problem started a year ago, when my cashback rewards balance started always showing {$0.00} when I logged in. I had to call customer service to have them manually redeem the rewards for me because the website would not let me. It always showed I had {$0.00} rewards when in fact I had hundreds of dollars in rewards. 

At the same time, I had problems logging into the website. The website would show a spinning circle, and eventually time out when I tried to log in after I entered my login and password. On average, it would only work once out of 20 attempts. 

It would always show my phone number as unverified, and when I tried to verify it, it would seem to work but on the next login, it would still ask me to verify it. I was never able to use my phone number in two-factor authentication because it still thought it was unverified. 

The problems got much worse this summer. I called customer service on XX/XX/year> to have them manually redeem my rewards. I also asked them about my unverified phone issue. They said it was a " known issue '', but they would try to fix it. Apparently they added my phone number in, but they said since my profile " changed '', I was locked out of logging into my account for 10 days!!!! Logging into my account has not worked since then, and it is now XX/XX/year>. I have been calling them almost every week. 

On XX/XX/XXXX, a " supervisor '' said maybe deleting my online account and re-registering will fix it. She deleted my online account, and then told me I would have to wait another 10 days before re-registering. I waited, and them upon entering all the registration information, I got the error message, " Due to a technical issue, we were unable to save your response and complete your registration. Please try again. '' I tried several times with no luck. 

Supposedly Comenity is now charging me for paper statements, which is ridiculous because I can not access the online statements. 

I tried using their Bread app, with similar poor results. I have never been able to log in to my account using the Bread app. 

I have never had a worse experience with a credit card company. They do not seem to have any Tier 2 technical or IT support. The customer service reps are friendly but are not able to fix any problems and say there is not a Tier 2 to forward my issues to. They all have strong accents and are not based in the U.S. They will not give me a trouble ticket number. Their standard answer is to try again later, or that I have to wait 10 days. They acknowledge that other customers have the same issues. Comenity needs to hire experts to fix their website. This is unacceptable and I'm not sure why I haven't gotten rid of this credit card yet, but I plan to switch to a different company as soon as possible.
Product: Mortgage

XXXX XXXX, 2023 - called Rushmore Loan Mgmt Svs for loan payoff amount. 
XX/XX/XXXX, sent personal check to close account, check returned with request for cashier 's check. Sent cashier 's check for payoff amount on XX/XX/XXXX, check was cashed XXXX XXXX. Checked account on line on XX/XX/XXXX and saw " Congratulations, your loan is fully paid off. '' XX/XX/year> we received a check from the new company Rushmore Servicing ( company announced it was sold XX/XX/XXXX ) for {$2800.00} with the notation " Payoff Refund. '' Next in the mail came a billing statement showing amount due, XXXX another billing statement, XXXX another one, XXXX another XXXX and XXXX too, and the amount increasing each month. I called XX/XX/XXXX, spoke to a woman who said there was a signed HELOC Payoff Authorization Form missing and that would be enough to close the account. She emailed it right to me, we signed it and sent it right back on XX/XX/XXXX. She said she would send the file for closing and get back with an update. She never did. I called XX/XX/XXXX, XX/XX/XXXX and I've lost count of how many calls I've made in XXXX so far. Each time was told someone would get back to me. But nothing. Two weeks ago we got 4 Notice of Intent to Foreclose from them and separately we received a notice of Foreclosure from the Maryland Department of Labor Office of Financial Regulation. I contacted them and have filed a formal complaint with them against Rushmore Servicing.
Product: Vehicle loan or lease

Hampton Roads Finance Company LLC has not responded to the last complaint and is still illegally attempting to garnish my wages through my employer and violating the Dodd-Frank Consumer Protection Act. While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through Hampton Roads Finance Company at XXXX XXXX XXXX VA XXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs and was only making a XXXX salary in the XXXX XXXX XXXX. Which at the time they threatened and contacted through my Navy chain of command which instructed me to return the vehicle. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today I am a XXXX veteran on a fixed income and they have and are still threating contact through my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$11000.00} of my salaried money using this illegal tactic. They have told my employer I owe them {$43000.00} for a vehicle that would only be worth between $ XXXX {$4900.00} based on kelly blue book value. The contact that works for the company illegally operating is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Virginia, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report I was paying on. Once I noticed this I immediately took action. These fraudulent accounts are hurting my ability to obtain credit. Please remove all fraudulent accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a review of my credit report and notice accounts, address annd phone numbers that werent authorized I havent made any contracts with these companys and I dont recognized these companies. I have filed an identity report and law requires you to remove accounts and addresses with four days. Be advised that this is a serious mater and would like this handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unaware of the said debt and was not notified about the debt. The debt appeared on my Equifax credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither Equifax nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. Equifax responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from Equifax or the collection agency. This account is reporting negativley on my Equifax report and causing me credit issues.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX  on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$470000.00} - Late/Open XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} - Late/Open XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600000.00} - Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX {$11.00} - Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$660.00} - Late/Open
Product: Debt collection

XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$1600.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card

American Express green card interfered with my mortgage refinancing. American Express deceptively solicited a credit card which is not a credit card it is a charge card. It should have state it is a charge card on the card. When I applied for mortgage refinancing American Express requires the card to be paid off in full and cancelled. It held up the process. I had to take on additional credit from a real credit card to pay off the balance. This all delayed the process causing even more headaches. The refinancing did not end up going through and my credit cards are in charge off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!