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

I returned to a merchant ( Amazon ) 3 of the same items on XX/XX/2019 each costing {$470.00} and weighing 5.85lbs totaling {$1400.00}, but instead got refunded on two wrong item costing less {$130.00} and weighing less 3.80lbs from the original order - which in fact were never among the items I informed the merchant that I wanted to return. When I saw this on XX/XX/2019, I called the merchant to challenge the wrongfully refund item they selected, the amount and the number of items which was 3 not 2. It was after that call on XX/XX/19 that the Merchant then made a 3rd item refund of the item that weighed 5.85lbs which amounted to a total refund of XXXX with a deficit of {$660.00}. To my utmost surprise, chase refused to investigate the matter but rather chose the side of the merchant to intimidate a customer. 

The manner and professionalism at which Chase handled this dispute is appalling and shameful. 

I have filed to continue the dispute, and attached also the XXXX receipt showing the return item and the weight. Now, it is very important to consider the aspect of the weight of these items returned in this dispute because the merchant is claiming I returned items of different weights ( the lesser weight item of 3.8lbs costing {$130.00} while the heavier weigh item of 5.85lbs costing XXXX ) but the XXXX receipt confirms that the 3 items submitted weighed the same and were the larger weight which cost {$470.00} each totaling {$1400.00} - bear that in mind. With the disputed amount of {$1400.00}, what the merchant should get back is the false and fraudulent refund of {$750.00} they had issued. This is a clear case of fraud by this merchant to cheat customers and even when the fact shows in the XXXX receipt they refused to acknowledge it.
Product: Credit reporting or other personal consumer reports

I recently discovered that a fraudulent account was created with XXXXXXXX XXXX about a year ago and i have been requesting for this to be removed off of my credit reports for about a few months now and ive had a hard time i have provided the creditors proof of birthdate from the account as wrong also
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from Experian and XXXX that an item on my report status has changed. XXXX XXXX had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my consumer credit report from your bureau and I am disputing the completeness and accuracy of the following information. This information is adversely affecting my consumer report, and I request that you promptly correct it. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX USAXXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX. 

I trust that XXXX days is a reasonable timeframe for your investigation. Following your investigation, please furnish me with an updated credit report along with the names, addresses, and telephone numbers of the individuals who have been contacted.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDITXXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$530.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 XXXX XX/XX/XXXX Sent me a receipt that they charged my Wells Fargo business account {$19.00}. I immediately went online to check and the amount of {$19.00} was indeed debited from my business account. It was also listed as XXXX XX/XX/XXXX {$19.00}. I SAW THAT IT WAS ALREADY TAKEN OUT. On the XXXX at around XXXX XX/XX/XXXX, I had {$360.00} in my account. Keep in mind XXXX was already processed. But when I checked on the XXXX of XXXX, Wells Fargo recharged my card and put the XXXXXX/XX/XXXX charge of {$19.00} at the top again under pending transactions. Now my account had went down to {$340.00}. I called Wells Fargo and told them that I have the receipt from XXXX showing they charged me in the XXXX and that it was already debited. The teller on the phone insisted that I didn't know what I was talking about even after telling her I had the receipt and it showed a charge on the XXXX not the XXXX and that the money had already been debited. I got no where with the teller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately. 

Inquires listed : 1. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Date of inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

On or about XX/XX/XXXX, I got a car loan from the Navy Federal Credit Union. I purchased also a loan disability Insurance from their Loan Insurance administrator XXXX. At this time I was on XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I got a XXXX XXXX/XXXX from the XXXX XXXX with XXXX % XXXX from the XXXX/XXXX ( XXXX/XXXX XXXX XXXX ) and a year later ( XX/XX/XXXX ) I have been awarded XXXX % XXXX for ( Service connected ) injuries. 
I was not able to follow up with my car loan payments and I asked the NFCU for my Car Loan insurance Coverage! The NFCU/ XXXX denied my claim and on XXXX they reposessed my XXXX XXXX XXXX XXXX! I owed at the time over {$26000.00}!
Product: Debt collection

I submitted a dispute on XX/XX/2019 notarized and certified mail to National Credit Adjuster no response also to all three credit bureaus they respond with. Verify document not the original documents sign and dated. Also I filed a complaint with the FTC on this account being fraudulent not my account I was also in the XXXX  data breach were my information was stolen. Also this company reporting inaccurate information on my report and thats against the law. Address inaccurate, name inaccurate, date open inaccurate balance reporting inaccurate please remove and delete
Product: Mortgage

On XX/XX/XXXX, we received notification from XXXX  XXXX XXXX  that our mortgage servicing was transitioning to Select Portfolio Servicing effective XX/XX/XXXX. On XX/XX/XXXX, once we verified the mortgage service moved, we paid our mortgage in the amount of {$1600.00} which they deposited on XX/XX/XXXX. We have paid our mortgage on XX/XX/XXXX and you deposited it on XX/XX/XXXX in the amount of {$1500.00} and on XX/XX/XXXX we paid {$1600.00} and on XX/XX/XXXX we paid {$1700.00} and our mortgage remains current and paid according to the invoices they send out on a monthly basis. 

On XX/XX/XXXX, SPS transferred {$1900.00} to XXXX XXXX for our homeowners insurance that they labeled as hazard insurance In XXXX, we moved our servicing of our homeowners insurance to XXXX XXXX and informed XXXX  XXXX that we would be paying directly to XXXX XXXX to earn discounts as we arranged all our insurance needs under one umbrella. XXXX XXXX is our insurer today. The payment SPS sent on XX/XX/XXXX from our escrow was made in error, we pay XXXX XXXX directly. Our XXXX  XXXX  agent confirmed that on XX/XX/XXXX they returned the funds to SPS Select Portfolio Servicing. Those funds were returned to SPS in XXXX and they withheld the funds from our account for 3 months. 

On XX/XX/XXXX, SPS sent a refund check in the amount of {$1300.00} which is {$620.00} short of the overpayment. We have served SPS with 2 notices of error regarding this matter. SPS fraudulently took money from us that was an overpayment of our Homeowners Insurance when we owed nothing to them as our mortgage and escrow accounts were 100 % current based on their billing. We believe that SPS took {$620.00} in funds, without explanation, to insert into an Escrow account and boost the value of the account ahead of schedule and we believe this a breach of contract on our mortgage.
Product: Debt collection

I couldnt find a category that bests fits the situation, I have included details : The same debt is reporting on my credit report twice. 

There are two entries as detailed below. 
the original creditor is XXXX in the amount of {$300.00}. 

XXXX sold the debt to XXXX XXXX to collect. 
I did take a ding for this on my credit. 

Additionally, Diversified Consultants is now reporting on the same debt, which I took a second hit for on my credit. 

I did speak with both to ensure this is the same debt from the XXXX. 

It is my understanding that a debt collector must delete their reported collection if their collection authority has been terminated with the debt remaining unpaid.
Product: Vehicle loan or lease

Vehicle was repossessed and resold on XX/XX/scrub> XXXX XXXX
Product: Checking or savings account

Dear Customer Financial Protection Bureau I am writing to file a formal complaint against Wise Payments Limited regarding the unjust closure of my account without providing any valid reason or justification. I am seeking assistance and intervention from the Customer Financial Protection Bureau in resolving this matter. 

On XX/XX/2023, I attempted to log into the Wise Payments Limited platform and was met with a notification stating that my account had been deactivated. To my dismay, the notification did not provide any explanation as to why this action was taken, leaving me in a state of confusion and frustration. Furthermore, it stated that I could file an appeal, but the system prevented me from submitting any information or details for the appeal process. 

As a loyal customer of Wise Payments Limited, I have always adhered to the terms and conditions outlined in the agreement. I have consistently utilized their services responsibly and have never engaged in any activities that violate their policies. Therefore, I find it unjust and unreasonable that my account was closed abruptly without any notice, explanation, or opportunity to address any concerns that may have led to this decision.

The lack of transparency and communication from Wise Payments Limited has resulted in significant inconvenience and potential financial loss for me. Without access to my account, I am unable to use my funds. This situation has caused immense stress and uncertainty regarding the status of my account and the funds associated with it. 

I have made numerous attempts to contact Wise Payments Limited to seek clarification and resolution, but all my efforts have been met with automated responses or non-responsive customer service representatives. Despite my persistent inquiries, I have yet to receive any substantive information or a satisfactory explanation for the closure of my account. 

I believe that Wise Payments Limited has violated my rights as a consumer by closing my account without providing a legitimate cause, denying me the opportunity to appeal, and failing to respond to my subsequent inquiries. Such actions not only disregard consumer protection regulations but also demonstrate a lack of professionalism and fair business practices. 


Yours sincerely, XXXX XXXX
Product: Student loan

I have had multiple issues, most notably with maintaining my loan deferment status. After calling and speaking to two different representatives I was told that I needed to submit the deferment loan forms every semester of my XXXX program. There are a few problems with this. First, the only option is to mail paper documents, which is inconvenient to do nine times ( my program is 3 years long ) and also elongates the process for obtaining deferment approval, without immediate confirmation. In addition to filling out several forms that includes my social security number, my advisor is required to fill out this paperwork as well ( nine times ) and include my class schedule and a stamp from the university that I am still enrolled. After speaking with my advisor, he is dumbfounded as to why this excessive paperwork is required because the loan company checks in touch with the school each semester anyways. He has never heard of such a requirement. My other loan company, XXXX, only required me to submit these documents a single time and even covers my deferment period months past my graduation date. The words I used when speaking to the representatives at heartland were, " I feel like you are setting me up to miss a payment ''. I am currently a full time CRNA student and we do not have any breaks, so there is no reason for me to have to refill out this paperwork. I am busy with 80 work weeks without any income and I am worried about my credit score. They are horribly hard to get ahold of and speak to on the phone to begin with. As a result, I have begun the process of consolidating my loans.
Product: Student loan

All federal XXXX XXXX loans were recently XXXX, being deemed predatory and based on false income reports and employment rates, etc. I was offered a Signature Student loan during my time at the XXXX XXXX of XXXX, as the school was requiring me to make interest payments on my loan to continue at the school and be admitted per quarter. I was unable to afford those payments, so the school recommended the private Signature Student loan as a way to be able to complete my schooling. I feel this loan also should be deemed predatory.
Product: Debt collection

I am writing to formally file a complaint against Portfolio Recovery for their erroneous and, in my view, malicious handling of an account originally held with XXXX. I believe the conduct of Portfolio Recovery not only tarnished my reputation but also violated the guidance and directives given by the Consumer Financial Protection Bureau ( CFPB ) to debt sellers and collectors. 

To provide a comprehensive context : Timeline & Details of Debt Sale : In XXXX, the CFPB directed XXXX to cease selling debt that it could not validate and to ensure that the debt it sells is documented accurately. Subsequently, in XXXX, a debt amounting to $ XXXXwhich does not align with my recordswas sold to Portfolio Recovery. I was made aware of it by a phone call from one of their reps in XX/XX/XXXX. 

I promptly requested debt validation. In response, I was merely provided with a letter stating the amount owed and two ambiguous statements without any transaction history. This does not constitute adequate validation. Additionally, Instead of properly addressing my concerns, Portfolio Recovery simply annotated " consumer disagrees '' on my credit file. 

Now comes the litigation without notification. I'm currently seeking a change in employment and found out as I was searching my online reputation that without providing prior notification to me, Portfolio Recovery filed a lawsuit in the XXXX XXXX, NJ courts on XX/XX/XXXX. I have the docket number and it was initiated by their lawyer XXXX XXXX. I was never formally served for this lawsuit. 
The records indicate that the courts reached out to Portfolio Recovery nearly a year later due to inaction on their part. In response, they filed a dismissal without prejudice. Not only should that lawsuit never have been filed and become part of my public record, but when they dropped it they should have dropped with WITH prejudice, given they clearly lack any evidence to ever follow through, and not without prejudice. 

Based on what I've read in consumer rights, this is a violation of CFPB directives. The behavior of Portfolio Recovery mirrors the scenario highlighted in a recent reprimand earlier this year where they were found to be initiating lawsuits without producing required documents and without appropriate follow-through. Consequently, this record is publicly accessible and adversely affects my personal and professional reputation. So, now, not only is my credit record stained by this, now anytime someone googles me or does a reputation search for me it shows up and is tainted as well. 

In closing, I hope the CFPB can take action to address this significant oversight by Portfolio Recovery. 

Thank you for your time and attention to this pressing matter.
Product: Credit reporting

There is an account on my Experian report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with XXXX and the response I got was this account was 'VERIFIED '. Experian did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that Experian used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX XXXX, XXXX, XXXX, and XXXX are all accounts that do not belong to me. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through Experian. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.
Product: Credit reporting or other personal consumer reports

I recently rereceived a copy of my XXXX credit report, and I noticed a late payment posted on my credit report : Both account XXXX for the month of XX/XX/year>. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The  latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card or prepaid card

On or about XXXX I applied for the American Express Plum Card. My application was almost immediately declined. 

I tried using the American Express online application status function, but it failed to give the reason why the application was declined. 

I phoned American Express to obtain the reason, and they refused to tell me. 

Now, over one month later, American Express has failed to provide information required by law as to the specific reason why that application was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in PA. Someone with the same name or just used my name, opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They used my SSN to open the account sometime around XX/XX/2022 in XXXX Illinois. By XXXX, {$2900.00} was owned on the account. On XX/XX/XXXX, I received an email alert that at Potentially Negative- Major Derogatory appeared on my credit report. I immediately disputed it on XXXX, and I contacted XXXX XXXX XXXX XXXX XXXX XXXX to inform them that it was fraudulently opened under my name and SSN. They said it was actually above {$3000.00} at this point. Then I called XXXX and we decided to close the dispute and report it as fraud. I received a letter from the collection agency on XX/XX/XXXX along with some of the bills that were sent to the Illinois address. I wasn't quite sure what they said in the letter. So, I contacted them again and they said we were all good. It seems like XXXX agrees. I continue to see the collection on my credit report. I keep disputing that hoping to have it removed. It was fraud but yet it continues to hurt my credit rating. Is there any way to have it removed?
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding Multiple overdraft fees I have in cursed. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account.