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

On XX/XX/ XXXX I sent a letter with respect to off base and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased instantly. I request that these records be erased quickly or I will petition for case because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Product: Credit card

I purchased {$1600.00} worth of gift cards from XXXX on XXXX XXXX, 2023. XXXX clearly had published on their website, that the denomination of gift card I had selected was {$100.00}. The purchase price for the {$100.00} gift cards, was listed as {$50.00}. But for XXXX listing, I would not have purchased {$1600.00} worth of cards, which totaled XXXX {$100.00} denomination cards. XXXX then sent me XXXX x {$50.00} gift cards on XXXX XXXX, 2023, which is a non-conforming good which I did not accept. I tried to resolve this by calling XXXX the same day they were delivered. XXXX told me that I could not get a refund or return the cards per the XXXX terms and conditions. However, XXXX terms and conditions do not mean that I accept the liability for the cards if the cards are not the proper denomination. I called XXXX again the following week to no avail. They told me it was a mistake and offered me {$25.00} in credits, which I reject. Whether or not it was a mistake that XXXX listed the card amounts wrong, they want to stick me with a purchase I would not have otherwise made. This is not reasonable. I then started a dispute with my card issuer, Fidelity Visa. They told me that they agreed with XXXX and ruled against me, citing that the receipt for the purchase equals XXXX x {$50.00} amounts. However, I asked them if the receipt shows the card denominations and they confirmed to me that the receipt does not. So the receipt merely reflects the purchase price of the cards, not the denomination which should have been issued ( I.e. {$100.00} x XXXX ). They then told me I didnt submit adequate proof, even though I had sent a screenshot of the {$100.00} denomination selected and the purchase price of {$50.00} on the XXXX XXXX. The agent, named XXXX, told me that even though the {$100.00} denomination was selected, there were other denominations that one could select. I asked how that is relevant because I didnt select the other ones, I had selected {$100.00} and also asked for a further explanation on how the XXXX XXXX was proof against me if it didnt show the denomination purchased. The agent then hung up on me, apparently unhappy that I was questioning my own dispute. Bottom line is, I was induced to purchase XXXX cards because of XXXX offer, and they want me to be stuck with the {$50.00} denomination cards instead of the {$100.00} cards as advertised, and I will not pay for them. I've attached the proof that XXXX listed {$100.00} denomination cards for {$50.00}. I've also attached one of the receipts for 10 cards as a sample of all the receipts ( I made the orders in like 6 different orders so no need to post them all ). The receipt clearly shows the total charged but no denomination amount - XXXX trying to claim that they shipped what I selected is blantantly false as I've showed. Fidelity Visa refused to see the logic.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have been trying to close out my forbearance with Mr Cooper for well over ( 2 ) two months with no success. I have made over a dozen attempts to settle my account with their company and every representative claims they are unsure what to do and that I would receive a call from upper management. I have yet to receive a call back!!!
Product: Credit reporting

I have been regularly monitoring my credit record online since XXXX. I have a schedule by which I contact XXXX of the XXXX major agencies at set points during the year. This has worked well until a year ago. In XXXX XXXX, XXXX refused me online access for the first time. I went through the rigmarole of requesting the report by mail. Then in XXXX XXXX XXXX refused me online access. Again, I sent in the requested info by mail - but also contacted the Iowa Attorney General, which assisted me. Eventually I received a paper report. Now today ( XXXX ) I was refused online access to my record with Equifax. I 'm tired of this. The online process is already unnecessarily complex ( which is probably why my access is denied - they ask these confirming questions about credit history, but my credit history is complicated - that 's partly why I monitor it regularly - and the questions are too simple to know with certainty which mortgage they might be inquiring about, and I presume if I guess the wrong one, they shut me out. ). And once they 've denied a request, doing it by mail is absurdly complicated and time consuming. In any case, I DO want to monitor my credit record, but there 's got to be a less cumbersome process. I 'm left with the distinct impression that for some reason they want to make this so complicated so I 'll give up. I 'm irritated and frustrated. Can you help?
Product: Student loan

My initial loan with Navient was {$40000.00} and has ballooned to {$120000.00} for a loan I was coerced to take out by the University XXXX XXXX and unable to pay based on my family size, living expenses and income.The degree was not helpful and was pressure and falsely promised employment with amazing alumni to cover expense. Wasnt explained that it would triple in amount. 

I also filed a Formal grievance directly with University XXXX XXXX ethics office regarding the false advertising and pressure and misleading promises the enrollment counselor used to sale me on their XXXX XXXX degree.
Product: Credit card or prepaid card

On late XX/XX/2022, likely around XX/XX/22, I was trying to redeem XXXX rewards certificate ; however there is a system on XXXXComenity bank that I can not redeem my rewards, system display an issue saying there is something wrong, try again later. I called customer service and they acknowledged the issue ; and told me if the rewards expired, they can send it back to me. However it never happened. The rewards totaling around {$60.00} went expired. I have been calling more than 5 times but the answer is they can not reissue the expired rewards. Very frustrating experience. Feel like my money is stolen by XXXX and Comenity Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX  of XXXX ( XXXX ) has reported a late payment as I was late making a payment during the Pandemic which I explained I was not able to pay as, I was in XXXX and was not able to pay the card as I did not have internet access. I paid the card a couple of days late, calculated the interest for the additional days and paid the outstanding balance plus the interest. The balance was about {$170.00} and I explained that the {$30.00} later fee was onerous for the balance mentioned above so I would not be able to pay the interest. The young lady evidently was not able to have the late fees waived and I was not notified by XXXX of the late charge. The account was closed but XXXX continue to report the {$30.00} late fee on my statement. I am a XXXX living on very limited resources and on a principle, I do not have the funds to pay for a few days late on the small balance mentioned above. This seems to be extremely vindictive by XXXX  because I closed the account 2. I have the similar issue with XXXX Bank ( XXXX ) XXXX credit card. I called into the Credit Card Center to get the payoff balance. Based on the balance given, I drew a check made payable to XXXX Credit Card to cover the outstanding balance. The person who calculated the outstanding balance, did not take into the calculation, interest to date since the last statement date. Subsequently, after making the final pay-off figure given by XXXX XXXX XXXX XXXX the interest accrued prior to the pay-off date was not included in the pay-off figure. Even though the card was closed XX/XX/2016, XXXX Credit Card continued to maintain the outstanding amount plus interest, until the account balance was {$100.00} approximately when it was written off. This company has not removed this from my credit record.
Product: Credit card or prepaid card

I applied for a care Credit card last year to pay for a medical procedure.. I logged in and noticed that my available credit amount changed I now have the procedure scheduled but will have to cancel do to my limit changed from {$5500.00} to a little over {$800.00} I have never heard of a company doing that I feel that the company is awful considering its a medical credit card.. clearly I obtained the card for medical reasonI called and I was told they did a review of some sort ( didnt really care to explain much ) and decided to decrease my limit I asked to speak with a supervisor and he didnt seem to care at all as I explained my medical issue this company is horrible and will not recommend to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am the XXXX  of XXXX XXXX XXXX XXXX I am XXXX XXXX 
I have looked over my credit report and I am missing two credit accounts that are in good standing my XXXX XXXX XXXX and XXXX. The credit card companies have reported my payment history yet there is nothing even showing on my file.
Product: Debt collection

On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy in the United States District Court of Minnesota. XXXX XXXX : XXXX. I am still receiving letters and phone calls from Navy Federal Credit Union for 2 checking accounts that was discharged in bankruptcy court. The 2 checking accounts was under the following 2 social security numbers : XXXX and XXXX. Both checking accounts was discharged in bankruptcy court. My DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently applied for 12 checking accounts and was turned down. i found out it was from something attached to my name for fraudulent activity with banks. Im unaware of this situation & a victim of identity theft. Can we please fix this immediately, i have tried for 6 months to receive direct deposit but cant because of this misinformation.
Product: Money transfer, virtual currency, or money service

XX/XX/year> was promised merchandise by XXXX and nothing, no communication or merchandise and paypal wont refund the money, sent XXXX 2 times for XXXX things and got nothing this was the persons XXXX  that was selling the items and now no response at all XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

[ XXXXTransUnion ] Subject : Formal Dispute of Inaccurate Bankruptcy Information To Whom It May Concern, I am writing to dispute the inaccurate and incorrect bankruptcy information that is currently appearing on my credit report. Upon reviewing my report, I have found that there are multiple listings on my credit report regarding a current bankruptcy. This information is erroneous and must be corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on credit reports. This bankruptcy entry is neither accurate nor complete, and its continued presence on my credit report is causing significant harm to my financial standing. 

I am formally requesting that you investigate this matter and remove the inaccurate bankruptcy information from my credit report without delay. Failure to correct this issue within the time period allowed by law ( 30 days ) will leave me no choice but to pursue legal action under the FCRA for willful non-compliance, including filing a civil suit to recover damages caused by this inaccurate reporting. 

Please confirm in writing that you have received this letter and have initiated an investigation to remove the inaccurate bankruptcy information from my file. I have attached copies of all relevant documents supporting my dispute, including a copy of my credit report with the incorrect information highlighted. 

Thank you for your prompt attention to this matter. I expect to hear from you within the legally required 30 days regarding the results of your investigation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credits bureau always reports wrong And I have to do a dispute before the do something but the never did a correct thing
Product: Credit reporting or other personal consumer reports

Hello and good day, this is really stressing me out - this inaccurate item you keep reporting on my credit report has already been DELETED by both XXXX and XXXX and have been blocked from reporting, yet you are still putting a " Charged off '' payment and a " Account legally paid in full for less than the full balance. '' remark which is absolutely false and a blatant violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Perosnal Finance and their parent company refuse to help me. I need my credit report to be accurate and they have reported a new open account and I dont have one!
Product: Credit card or prepaid card

I have sent multiple notices to the American Express headquarters addressed to XXXX XXXX. i sent the first letters around XXXX or XXXX and until now they have not credit my account. the remittance coupon i received from my statement I signed with the beneficiary signature or at autograph. I even sent a cover letter notarized. at that time the amount was for around XXXX until now they have yet to credit my account. I sent this first letter certified mail with a returned receipt so i know they received it. they wrote me back saying i don't need to make further payments and that an investigation is ongoing. i called to check because it took awhile for them to respond. they wrote me back up saying they need proof of money order my bank account and some nonsense. i knew this was a stalling tac tick. I wrote them back saying this is an attempt to settle a debt and that I have already provided them with all the information. on the online portal i also send them a cease and desist letter explain that they are engage in trust fraud and they can be fined XXXX they closed the online investigation and completely ignored me. they had the audacity to wrote me back saying they have the right to report to the credit bureaus that i owe them due to my terms and agreement but t I am not an employee so their policy does not apply to me.Policy does not override law then I sent them another letter explaining i am a sovereign and I am the original creditor and the banks do not loan money. they are the debtor they double dip in our XXXX XXXX XXXX trust and expect us to pay again plus interest. in my last letter to them i wrote on the remittance coupon money order on it per they requested. pay in order to the united states Treasury signed my autograph with the uniform commercial code. ucc 1-308 ucc3-603 ucc 3-104 ucc 3-306. Because of their GREED they refused to credit my account. in the same letter I gave them ( Debtor ) has three ( 3 ) business days from the date of postmark on this mailing to POST the enclosed MONEY ORDER, the remedy regarding this matter. In the event Debtor fails to provide a remedy, whereby Debtor will be stripped of all immunity the UNITED STATES public policy may have otherwise afforded him. Upon dishonor, Debtor agrees in the alternative to Involuntary Bankruptcy that will be initiated on Debtor in a private capacity ; In the event Debtor dishonors, Debtor agrees to be placed on a UCC-1 Financing Statement with the Secretary of State, as the Debtor and attaching to it the Invoice ( s ) and any or all fees pursuant to the enclosed Fee Schedule No. XX/XX/2022. 
Money order. ( XXXX ) A negotiable draft issued by an authorized entity ( such as bank, telegraph company, post office, etc. ) I also sent them notice of liability
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian on XX/XX/17 as there is false information on my credit report. The rep advised I would need to contact the company who is reporting in accurate data in order to get information removed which is illegal as I have stated there is incorrect and inaccurate information on my credit report. 

I asked the report to remove the below address : XXXXXXXX XXXX XXXX XXXXXXXX, Ga XXXX Different Variations Which I do not go by. I only go by what is on my drivers license : XXXX XXXX XXXX XXXX XXXX XXXX Also, i do not have access to dispute online.
Product: Vehicle loan or lease

I paid off my vehcie on XXXX XX/XX/2020 ( as verifed on my online account information ). I never heard back or received my title. I called to inquire and was told that it was " released to a third party '' on XXXX XXXX As of XXXX XXXX, I have yet to recieve my title. I have called several times and each time I am : put on hold for over an hour, hung up on, shuffled around between departments, lied to, and was treated very rudely. I paid of my vehicle in good faith and now I have no recourse to get the title to which I am legaly entitled.
Product: Student loan

I have had XXXX loans with AES and for some reason they had XXXX accounts for me. I would log into each account online and pay. In XX/XX/XXXX they had my birthday wrong and I faxed them my birth certificate and other documents they said the problem was fixed. I continued to pay. In XXXX XXXX they locked me out of my account. We called to resolve the issue and they said I did not have XXXX accounts and that they could not find the account we were locked out of and wanted me to fax my documents. I faxed everything and then in XX/XX/XXXX made another phone call and asked to pay the balance and for them to resolve my online access, they would not tell me how much I owed to be able to pay it. They sent me a letter saying the account was past due. I called again in XX/XX/XXXX to ask what I owed and they said that the account no longer existed and they had merged both accounts. Then on XXXX XXXX, XXXX a debt collector called me to say that my account was 130 days delinquent. I was not aware that the account was overdue and every time I tried to pay it they told me that it did not exist. They now want me to pay the balance plus charge me a late fee. The late fee should not be charged because it was not my fault that they screwed up my accounts and would not let me pay. I have bank statements and hard copies of receipts of where I have been paying both accounts until they locked me out of the XXXX account in XX/XX/XXXX and said that it did not exist. I am upset that my credit might be damaged and do not know how I am going to catch up on my payments. I spoke to a representative on XXXX XXXX, XXXX and gave her both account numbers. She pulled them both up, she unlocked the account that they said did not exist and told me how much I owed. All this could have been done in XX/XX/XXXX when I was not even behind on payments. I have tried to pay since XXXX and spoken to XXXX different people, all of who said that there was only XXXX account.
Product: Checking or savings account

Marcus by Goldman Sachs had a major accounting error occur affecting a very large number of deposit accounts including three of mine and my wife 's CD accounts. Apparently it involved many customer accounts opened in 2024. The bank, when we learned of multiple wrongful Federal Backup Withholding debits to our CD accounts, implied that we chose to have to have that done which was not correct. Upon further inquiry, it was learned, and they admitted, that Marcus experienced a major systems error causing wrongful Backup Withholding debits from a large number of customer accounts. They refused to tell us how many customers were impacted. The transactions were not clearly identifiable on our online account information website and to date the full amount of the wrongful debits have not been credited back. The full accounting of the debit transactions by account is not apparent on the website suggesting additional concerns. Some corresponding credits and their associated accrued interest don't seem to line up with the wrongful debit amounts. It's been 2 months and thus far the matter has not been fully resolved. Customers are now put into the position of having to audit all their Marcus accounts and will have difficulty doing so without full transaction information which remains mysteriously absent.
Product: Credit card

In XX/XX/XXXX, I learned through viewing my credit report, that an unauthorized charge of {$420.00} was made on my TD Bank Raymour and Flanigan credit card. I had paid off the balance on this credit card in XX/XX/XXXX. I informed TD Bank Raymour and Flanigan of this unauthorized charge on my credit card account through a phone call and I can say the experience has not been pleasant. The day I informed them in XX/XX/XXXX I spoke to at least 6 representatives on the phone who kept telling me to call this number and that number ( or they would just hang up ) so that I can finally report this unauthorized charge. Finally, I was able to report the unauthorized charge and start a dispute with the TD Raymour representative, XXXX, and that is when I learned someone used my credit card, which was in my possession at the time of the purchase of XX/XX/XXXX, to purchase a rug but wouldnt tell me who purchased it or where the rug was delivered to. XXXX then transferred me to XXXX, another representative at the company, and I was given a case ID. I was told by XXXX that I would get a form in the mail about the dispute that I just had to send it back once it was completed by me. I have completed the forms twice and sent them back since XX/XX/XXXX. I was also told by XXXX, that month I called, that this would be resolved in 30 days and its XX/XX/XXXX and the case is still being disputed. I refuse to pay for something I never authorized. I was told by a TD bank representative this past Monday XX/XX/XXXX that they received my last dispute form on XX/XX/XXXX and that it would take 1 week to process the form and once the fraud is resolved I will receive a letter. All TD bank Raymour and Flanigan has done is send me 2 dispute forms ( 1 for the old credit card where the fraud occurred and 1 for the new credit card which they opened after closing the first one and transferring the old credit cards balance to the new one ) and send me a separate letter acknowledging the dispute. My credit, which was very good initially, keeps going down because of this unauthorized charge that is still on my account and TD Bank Raymour and Flanigan keeps sending me statements with late fees attached to them. I have created disputes with all 3 credit bureaus ; 1 credit bureau took off the charge from my account and 2 of them are still working on the dispute. I have placed fraud alerts and freezes with the 3 credit bureaus. I think this was a big failure on TD bank Raymour and Flanigans part in allowing this to happen in the first place and I want this nightmare to be over already.