23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I disputed a merchant charge on XX/XX/XXXX for {$1900.00} transaction date XX/XX/XXXX. The merchant failed to honor the contract to install a custom sliding glass door, leaving it installed incorrectly, incomplete, and unwarrantable. The merchant 's would only agree to fix and " reinstall '' the door, which is not warrantable based on the manufacturer 's warranty. I submitted ample documentation supporting this fact, and that the door is completely worthless to me and the amount should be charged back. I received a letter from Chase dated XX/XX/XXXX stating that their investigation learned that the merchant provided the product/service for which I was billed ( which is not true ) and that they considered the charge valid. This was the only explanation provided. I contacted Chase Cardmember Services and spoke with employees and supervisors for about 45 minutes. They could not answer any of my questions about the reasons that they did not advocate for their customer ( me ) over the merchant. All they could say is that the dispute had been closed, could not be reopened, and I could resubmit another dispute. I explained that resubmitting the same dispute would be counterproductive and could result in the same outcome. I told them I needed them to provide more specifics so I could understand why they did not advocate for my position, and provide any additional information to support my case if I had to open a new dispute. I also told them that I was dumfounded that they did not give me an opportunity to rebut any information they received from the merchant ( who has a history of lying ) before they closed the dispute against their good customer ( me ). The supervisor told me that they would send me a letter outlining the specific reasons that they did not advocate for me, along with any information received verbally or in writing from the merchant. It has been 4 weeks and I have not received anything. I also went to my local branch manager and they could not help me. They told me they reported this to the Chase executive office in NY, but I have not heard anything from them. I 'm hoping that a CFPB complaint will compel Chase to respond to their customer 's concerns.
Product: Consumer Loan

In XXXX of XXXX I took out an installment loan with ACE Cash Express. I did not know the payments were not coming out of the account until I started getting treating calls from them. I believe I paid off this loan in XXXX of XXXX but can not find my letter of payment ( we moved ) I am now receiving treating emails on my cell phone and at my parents house where I have not lived in over 20 years. They are treating legal action over voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate my under the FCRA 15 USC 1681 and 623 ( a ) ( 1 ) ( A ).

Equifax stated the account listed bellow was verified, how is that possible if they did not do a proper investigation? Every piece of information on this account is still not reporting 100 % accurate. By way of their own report dated XX/XX/2022 shows the account has not been verified since XX/XX/2022. Since more than 30 days have passed since I head from Equifax the FCRA 623 ( b ) ( 1 ) clearly states The credit reporting agency must respond to the dispute within 30 days or delete the disputed information from their files. Equifax clearly failed to do so as required by law. By way of their own admission via a letter dated XX/XX/2022 they are refusing to investigate this disputed item, far different from what they stated to the CFPB in a previous complaint. NOW IS NOT THE TIME TO VERIFY THIS INFORMATION, IT MUST BE DELETED AS REQUIRED BY 623 ( b ) ( 1 ) Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my home was approved for a short sale ; the sale was completed on XX/XX/XXXX. In XXXX of XXXX, my credit rating dropped over 100 points because my credit report showed that I had missed two mortgage payments- this, long after the short sale had been completed. 

I spoke with XXXX  XXXX XXXX, who said they couldn't correct the error because I was no longer a customer. 

I filed a complaint with the cfpb and and XX/XX/XXXX was sent a letter from XXXX XXXX XXXX stating that they had resolved my issue. The issue has not been resolved because I'm still seeing the negative item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u XXXX payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

I opened store charge account with Amazon on XXXX.The credit line was XXXX. I made purchases coming to around XXXX within a few days. Realizing this would hurt my credit because of high utilization I started making payments. No problem with the first payment. I then made payments of {$88.00} on XX/XX/24 and {$100.00} on XX/XX/24. Heres the problem, they said they are holding my payments instead of reflecting them on my account. They said rest assured that this will be available for use on XX/XX/24 and on XX/XX/24 respectively.. Is this legal? Those payments have already cleared my bank account. Now I have to stay stuck with this high credit utilization rate? I need my payments reflected
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  I have never enter in to a contract with them nor have I had an account with them this is truly fraudulent Ive disputed this with all the credit bureaus XXXX XXXX has deleted XXXX and Experian have not They can still not provide me with written contracts or validation wearing my signature or showing that I even noticed that I have not as fraudulent I disputed it I would like this deleted
Product: Checking or savings account

XX/XX/XXXX - I deposited a check from a friend at a Bank of America ATM, and the ATM receipt indicated it would be subject to a hold until XX/XX/XXXX. ( I had previously called Bank of America to inquire about their funds availability policy, and was told the ATM would inform me of the specific details. ) Subsequently, I scheduled an ACH withdrawal to occur after XX/XX/XXXX, when I expected that my deposited funds would be available. 
[ Attachment : XXXX ] XX/XX/XXXX - I received notice of a new hold on my deposit that would end on XX/XX/XXXX. I chatted with BofA customer service and was told that my ACH withdrawal ( which was being processed ) would clear on that date. 
[ Attachment XXXX : XXXX ] [ Attachment XXXX : XXXX ] XX/XX/XXXX - I received notice that my ACH withdrawal was declined. 
[ Attachment : XXXX ] XX/XX/XXXX - I contacted BofA regarding the status of my account, and was referred to their Fraud Department at XXXX. The Fraud Department informed me that my account is now frozen, and will only accept deposits. I am unable to access any funds in my account. I have been a perfect banking customer since the start of my relationship with BofA in XXXX, and have deposited thousands of dollars biweekly through my paycheck as well as other large transactions with no incident until now. 
[ Attachment : XXXX ] Please help me regain access to my money as I need to pay my mortgage and other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last 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 not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : 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 XXXX
Product: Mortgage

In XX/XX/year>, we went into a forbearance on our mortgage we were approved to the end of XX/XX/year> and in XXXX we processed a loan modification with Freedom mortgage. Our first payment was in XXXX. They have reported no data from XXXX through XXXX and then all the sudden in XXXX they show us 90 days past due but then again in XXXX and then XXXX payment on time so we were in a forbearance and we were covered up until XXXX  the end of XXXX, how can we show 90 days past due in XXXX, it doesn't make sense and it didn't make sense to them either but nobody 's doing anything about it and it's negatively impacting our credit we applied for a new home loan and we got turned down
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, has violated my rights. 


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. 


15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C1681 section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records or convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) 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 intentions are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my Experian report and they are reporting wrong addresses for me that have NEVER been my addresses. I got this corrected before and now they have again started reporting these addresses for me that are not mine and never have been my addresses. They need to remove these addresses, I have lived at the same address for over 25 years and it has not changed. 
The reply to my previous complaint was a standard " we can not be bothered to address the problem '' and they sent the standard stupid " send us all your details again '' I have sent my details to them 16 times and still they have invented wrong addresses to add onto my credit report that are NOT my addresses and NEVER have been my addresses. 
They have refused to investigate where they got those addresses from and to remove them. If they believe these are my addresses then they need to provide me with information Where Experian got those addresses from and how they verified them because they are NOT my addresses. They have my correct information and I have sent it all documents to Experian 16 times and they still are incapable of correcting the information which means there is some kind of fraud going on at Experian or why would I have to send my information 16 times, and where is it and who has it? is another concern for me.
Product: Credit reporting or other personal consumer reports

This complaint is my final communication regarding your claim that the account below is being reported accurately. In your response to complaint XXXX XXXXXXXX, you stated that the inaccurate information such as the Date last active and other information was updated when in fact it is still reporting incorrectly. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for mental anguish. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. I have proof of communication and proof that the account was paid off so why was it sold to XXXX. Lastly the balance that was reported to me is not the same balance I was informed of by the alleged collection agency. The balance they reported was {$620.00}. I will be taking legal action against both companies. The following account is to be removed from my credit report within 14 days due to false and misleading information : XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX, I tried to make two ACH payments from my deposit account to Bank of America credit card accounts. I made an error entering the deposit account numbers, and the ACH payments were returned unpaid. I contacted BOA customer service and tried again to make these payments with an agent but accidentally made the same error. On my third try, I finally made the payments correctly, but BOA charged me {XXXX} in fees for my error anyway. I explained my error and asked BOA to waive the fees in XX/XX/XXXX. BOA was unable to address my request at that time " due to Covid staff shortages. '' In XX/XX/XXXX, I paid the {XXXX} annual fee on this credit card account, relying in good faith that BOA would accept my errors as mistakes, as they have done in the past, and reverse the fees when they got around to looking at my request. However, just a few weeks after paying the annual fee, BOA finally responded by mail and denied my request, refusing to credit the fees. I wrote back and even provided proof that the funds were available in my deposit account at the time, showing that the payments did not fail due to insufficient funds. 
On XX/XX/XXXX BOA responded by letter and again refused to refund the fees. By early XX/XX/XXXX I made the decision to close this credit card account because I was certainly not experiencing the customer attentiveness that was advertised as a cardholder benefit. I wrote BOA and asked them to close the account and refund my {XXXX} annual fee, along with my remaining rewards balance of {XXXX, for a total amount of {XXXX}. 
At this time BOA has closed this credit card account but has failed to return my funds in the amount {XXXX}.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

US Bank had a promotion where one would open a checking account, complete some requirements, then a {$200.00} bonus would be deposited into that account. 

I have read over their terms, opened one of the listed checking accounts, entered the promo code, and completed the 2x billpay requirement, yet the bonus has not been deposited into my account. The terms stipulated that the bonus would be deposited within 60 days of my meeting the requirement. 60 days have passed and no bonus. 

I emailed their customer support and they confirmed for me that I did indeed meet the requirements for the bonus on XX/XX/17. When the bonus was not credited on that day, I waited longer til XX/XX/17 before emailing their support again. They said they would forward that info along but no progress have been made.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian to update my personal information and they responded me that they are refusing to do it. I was the one who did the dispute yet they still refused to do it. I will attach a screen shot of what they responded. I need my personal information to be accurate in my credit report and they refuse to update them That is not even legal!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021 trying to fix the situation.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX had us apply for credit through XXXX for zero per cent interest for 60 months. XXXX allows the merchant to be paid in full, in advance of a binding contract between the parties for work to be done. I was unaware that upon the approval of our loan on XX/XX/XXXX, that XXXX would be transferring the full {$50000.00} to the merchant ( {$25000.00} for an account for me and {$25000.00} for an account for my husband ) the next day. The merchant received the full amount of the loan of {$50000.00} on XX/XX/XXXX and as of today, XX/XX/XXXX, NO binding contract existed, NO work has been performed and the merchant has not returned one penny of our money. Through many failed attempts with this merchant, we had to file a civil suit in XX/XX/XXXX with the XXXX XXXX Supreme Court and the case is still open. We received a summary judgement on XX/XX/XXXX where the court determined there was no valid contract and keeping our money was unjust enrichment. However, the court did not grant the return of the full amount of {$50000.00} plus 4 years of interest, but sided with the merchant that only {$42000.00} was received based on questionable documentation submitted to the court by XXXX that is in direct conflict with Synchrony account statements and feedback from XXXX managers. I have never missed a loan payment in 4 years and still have {$7000.00} remaining balance due for the XXXX loan accounts for myself and my husband with XXXX. I had hoped for justice and truth to prevail. In the court of law, justice and truth are NOT one in the same. So today, I have placed a dispute on the 2 loan accounts with XXXX and will not continue to pay {$830.00} each month for both accounts. Someone is lying - either XXXX is defrauding the court with false documentation of receiving XXXX funds from our 2 different accounts or XXXX did not transfer the {$50000.00} as advertised during the loan application process and their documentation. CFPB has received this very same complaint for this same merchant for their loan application scheme with XXXX on XX/XX/XXXX. Regardless of the XXXX of complaints and negative reviews across XXXX XXXX XXXX  XXXX, XXXX, etc. I ask for your help to ensure XXXX does not continue to favor XXXX when disputes are filed. I hope with your assistance that XXXX will do the right thing since I have paid {$42000.00} on these loans to date. This same merchant made false claims of labor and materials purchased to try to justify the keeping of our money but I never selected any counters or flooring for the kitchen project that started this whole mess. We subpoenaed the vendors for the real documents and it is now a matter of public record that the evidence submitted to the court by XXXX is fake for XXXX XXXX  XXXX # XXXX and for XXXX flooring Invoice # XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit card or prepaid card

XX/XX/XXXX at approximately XXXX XXXX  central. Discover called. My son answered. Did not identify himself. Discover asked if I was there, his answer was " are you collecting a debt? '' After they asked each other the same questions several times of each other the representative said that the bill was past due. This is a clear violation of my right per the fcra and the fdca of texas. When questioned she suddenly did not want to repeat her name. After being reminded that she had to per all the f..a acts, she would only give the one name, making it hard to identify who violated my rights. Spoke to a supervisor. Supervisor didnt know what happens typically when a complaint is filed. 

Representatives name was " XXXX '' she works in collections. And identified herself as a debt collector. 

" Sorry '' was the only resolution I recieved from discover at the time of the call. That is unacceptable after violating my rights. They should be bending over backwards to ensure that i didnt take this to the ffc, andvthe CFPB, and the oag. Because i recieved no resolution, we are here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I recently received a copy of my Equifax credit report and after reviewing it, I found information on the report that are inaccurate. The account in question is below. I disputed the information via Equifaxs website. However, the information has not been correctly verified yet still remains on my credit file. As of this date, I have not received any copies of the documents that Equifax have in their files verifying the accuracy of said account. 

XXXX XXXX XXXX XXXX {$65.00}
Product: Credit card

My credit card company charged me the same fee for a cash advance XXXX times and refuses to credit the amount involved. They are charging me interest despite the fact that I have put the amounts in dispute. 
I have written letters, complained on their website and called many times without getting resolution.