23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

on XX/XX/XXXX I ordered a glass panel from XXXX XXXX XXXX  for {$190.00} on XX/XX/XXXX That order was delivered by XXXX in a broken state to a neighboring house on XX/XX/XXXX I emailed the the third-party support team for XXXX XXXX XXXX XXXX provided photos and subsequently went through several weeks of back and forth waiting for the support service to get confirmation from XXXX XXXX XXXX  to issue the refund. This resolution never occurred and no alternate resolution path was provided. 
on XX/XX/XXXX I issued a chargeback request with Discover, my credit card provider. 
on XX/XX/XXXX Discover sent an email stating they found the dispute in my favor on XX/XX/XXXX Discover sent an email stating they were happy to let me know that they are continuing the investigation. 
on XX/XX/XXXX I received an email from Discover saying a secure message needs my attention. That message stated that the investigation was closed in favor of the merchant and that my chargeback was reversed. 
on XX/XX/XXXX or thereabouts, I provided email and photo evidence to Discover that demonstrated the merchant had not attempted a resolution and was ignoring the requests from their support team. 
on XX/XX/XXXX I filed a complaint against XXXX XXXX XXXX with the BBB. Within one day of the complaint posting, XXXX XXXX XXXX had responded stating that they issued an XXXX. That XXXX was never sent with regard to the broken item but was a prior response in a request to cancel the order. 
on XX/XX/XXXX I called Discover and the woman from the dispute center said she would escalate the reevaluation of this case. 
on XX/XX/XXXX I reached out to Discover over their online support messaging system and was repeatedly told they would not do anything else to resolve this without a document from the merchant stating that a refund was due. They confirmed that receiving broken merchandise qualifies as a service quality issue that is covered by their dispute resolution process but that their agreement only guarantees they will investigate and not that they will find in favor of the cardholder.
Product: Credit card

I made a car reservation through Chase Rewards Travel on XXXX.I was charged {$1200.00} in advance. I picked up the car at XXXX at the airport in XXXX, FL on XX/XX/2024. I was told that I would have to pay an additional fee of {$13.00} per day for my wife to drive the car. I was told that this fee was because I had rented through a third party ( Chase ). 

On XXXX I called the company to tell them that I wanted to return the car because of the extra fee. They told me to just bring the car in. I returned the car on XXXX. I have not received any refund for the 27 days that I did not have the car. 

They took the car back and kept all the money, including an extra {$69.00} for my wife and the milage ( XXXX miles ). 

At no time did either company tell me that this reservation was non-refundable.
Product: Checking or savings account

I opened a CitiBank account at the end of XX/XX/2019 and decided to close it in XX/XX/2019. I asked for closing all my Citi accounts twice by online chatting. After they send me a check, there is a XXXX cents positive balance on my account, and I shredded all documents related to Citibank. 
They sent me a letter recently claiming that I had an overdrawn of XXXX dollars. I asked for a statement to verify this overdrawn transaction, they refuse because I can not provide the bank original account number. I believe Citibank is still charging bank fees after I closed all accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to contact Bank of America, XXXX, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that Bank of America has to fix it but then Bank of America tells me the opposite. It is extremely difficult and frustrating to even try to get someone at Bank of America to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven (which they actually did forgive) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as XXXX on my credit report which it does). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the Bank of America customer service agent I pulled my credit report. I was happy they kept HALF of their promise (as was required by law) and my balance was XXXX. But the late payments were still showing (and are still showing to this date) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in Bank of America's system and that it would be fixed.Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting Bank of America. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. Bank of America (as well as these credit agencies) are affecting people's lives and making promises that they don't keep. I believe that Bank America should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
Product: Mortgage

The bank is requesting me to transfer XXXX to the bank to close loan which was never mentioned as a requirement in previous discussions. This is an unfair request to make before closing.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked XXXX, XXXX and TransUnion to furnish me proof that I authorized the numerous inquiries on my credit report, and they have failed to do so. These inquiries were not authorized by me unless I have an active account associated with them.
Product: Credit card or prepaid card

This is a response to case # XXXX. You still have addressed my complaints. 
You response was that the balances were calculated correctly. How can it be correct if you are applying returns towards my total balance for flexible financing offers? By you doing this, I will ended up paying my flexible financing offers too early and you are still charging me the fees in flexible financing offers for the period of 18 months. Maybe I should stated that my total balance for flexible financing offers was calculated incorrect as all my returns where credit against my total balance for flexible financing offers and not purchase. You can see it by the following in my statements : My total balance for flexible financing offers for the statement of XXXX was {$22000.00}. The interest savings balance was {$3200.00} and the monthly payment due for flexible financing offers was {$1400.00}. I paid {$3300.00}, which was a little more than my interest savings balance. Then, for the next month XXXX, my total balance for flexible financing offers was {$20000.00}, which was correct since I paid the monthly payment due of {$1400.00} for flexible financing offers and new purchases. The interest savings balance for XXXX was {$6700.00} and the monthly payment due for flexible financing offers was {$1400.00}. I paid the interest savings balance of {$6700.00}. Then, XXXX statement came and my total balance for flexible financing offers came down from {$20000.00} in XXXX to {$10000.00} in XXXX. For the month of XXXX, my total balance for flexible financing offers was {$10000.00}. The interest savings balance was {$14000.00} and the monthly payment due for flexible financing offers was {$1400.00}. Can you explain how my total balance for flexible financing offers came down dramatically since I was just paying the monthly payment due for flexible financing offers and new purchases in the prior month? I can, you applied the returns I had made to XXXX XXXX XXXX and XXXX in the amount of {$8300.00} towards the total balance for flexible financing offers and not purchases. And that explain the reason my interest savings balance was so high in XXXX. And I went back and I see that most of my returns were applied towards the total balance for flexible financing offers. Since you applying returns incorrectly to flexible financing offers which makes my interest savings balance to high, please remove the fees as I will end up paying for this " flexible financing offers '' too early.
Product: Vehicle loan or lease

I traded in my old car and was told I would not have to pay for 45 days. I received a 120 day past due payment for the trade in of the new car once getting the new car. Also I did not get a good deal as I am not able to refinance and my car payments are nearly {$700.00} on a XXXX XXXX. I need the missed payments removed from my credit report. Also, I need to know why I hav a 120 day missed payment when I traded in the old car. This is affecting my credit score and my ability to trade in and get refinancing. I have tried to reach out to the company by phone but the issue was not resolved.
Product: Checking or savings account

Below is the most recent email I sent to Wells Fargo ( WF - settlement email ). I also remember filling out an arbitration notice before but never received any further correspondence. I also submitted a complaint with you/CFPB years ago without further correspondence. I do not recall whether it was against WF. 

Years ago, I complained multiple times to WF about an account that was opened without my consent. I recently mentioned it to a manager but was not told about the class action settlement. I never received any information about the settlement via mail. Said account was abruptly closed YEARS after my complaint, although there was money in the account. I was never refunded. 

Around XXXX, I was forced to sell my house because WF was trying to rush foreclosure and gave me a very difficult time trying to modify my mortgage after missing a couple of payments. I didn't want to sell my house but the manner and frequency of their interactions showed their intent was to steal the house from me. 

I also was charged fees ( mostly checking account ) that seemed suspicious. They always had an excuse. 

I complained about these issues via person, phone and email without any response/solutions. 

Please review my account history for details. In addition, I had some suspicious interactions with staff at two Georgia branches- where a manager and teller may have kept my driver 's license because they were upset I was withdrawing money ( XXXX  ). I called to complain but they claimed they didn't have my license. 

The other interaction which I did not disclose to WF was an employee/CSR at a branch was visibly distraught by WF 's actions against her so much so that she was literally begging me for a job. She stated that they were pressuring her to open accounts ( XXXX  ) and she just couldn't/would n't do it. 

I humbly request that you re-open this class action/settlement or start a new one, because if I, as a potential claimant, was missed or ignored, then there is a very high likelihood that there are many others. I am not sure whether settlement checks were mailed to me, as I have ordered a debit card from them years ago, but never received it although they claimed it was sent. 

Thank you,
Product: Mortgage

My Wife and I own a property that has a mortgage originated by XXXX XXXX XXXX. XXXX sold the loan to New Rez who now holds the note and deed of trust. The lien was mistakenly filed against the house twice. First on XX/XX/XXXX and then again on XX/XX/XXXX for the same amount. Just to be clear, we only have one loan with New Rez/XXXX. I am in the process of refinancing this loan with another lender but it requires that New Rez file a reconveyance of the erroneously filed lien in order to clear title. The title company we are working with has contacted New Rez three time ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I have contacted them twice ( XX/XX/XXXX and XX/XX/XXXX ). Each time I ask to speak to a supervisor and am told that no supervisor is available. The first time I was on the phone with them for 19 minutes and 40 seconds, the second time I spent 21 minutes and 31 seconds. The bulk of that time is spent trying to get a supervisor on the phone after briefly explaining the situation, to no avail. The first time I was told that a supervisor would be calling me back the same day and the second time I was told it would take 1 to 2 business days to get a call back ( today is a Saturday ). This is an issue because my rate lock is expiring and even a tenth of a percent change in the mortgage rate will wind up costing me tens of thousands of dollars over the life of the loan. 

New Rez has shown zero interest in resolving the issue and has consistently refused to even allow myself or the title company to speak to a supervisor. I can not and will not pay the mortgage twice which seems to be the only way they will release the lien at this point.
Product: Credit reporting or other personal consumer reports

To Whomit May Concern This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/year> ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
15 USC1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.

Provide under Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise.

Furthermore, you shall cease all verbal communication. No phone calls, no text messages, no social media contact, no ringless voicemail contact, no email contact, the only communication must be through the UNITED STATES POST OFFICE, to the Claimant. 
At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Consumer reporting agencies, such as, Equifax, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant consumer reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following :
Product: Student loan

I submitted a refund request with EDfinancial. I received no confirmation via email ( no refund information is posted on my account ) and have had to call to get updates. I am now told this refund process can take up to six months, and I could potentially miss the window to have some of the loans that will be put back on my account forgiven. 

For a student these are large sums of cash and I was hoping I could call and expedite the refund process. EDfinancial says refunds are at the discretion of the Dept of Education. After doing research it seems the only hope I have is to daily hound EDfinancial to make sure they stay on top of the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Justice Finance Company # XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Account name JUSTICE FINANCE COMPANY XXXX XXXX XXXX XXXX, TX XXXX No phone number available Address identification number XXXX Account number XXXX .... 
Recent balance Not reported Status Paid, Closed. 
Date opened XX/XX/2021
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA XXXX XXXX for {$840.00}. The date is XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted a one time forgiveness for a late payment that was posted on my credit XXXX credit card XX/XX/2021. We have tried multiple times with my credit card company to have the credit reporting agency to remove the late mark and they have not done so, I also have a letter from my credit card company stating the remark is supposed to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts # XXXX, # XXXX # XXXX, # XXXX # XXXX have violated my rights.

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Inquiries - XXXXXXXX XXXX XXXX ( Bank ) /XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX  XXXX  XXXX Bank XXXX Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and information, that these inquiries are a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed with a wet signature by a man or woman under penalty of perjury.
Product: Student loan

I have been complaining about Navient for a long time and had given up. I tried to get my brother off as a co-signer as he had XXXX and wanted to get this off his credit for his finances. I have been paying the loans. I paid on time for over a year and denied again. I have decided after that Navient is a disgrace. Then I did not get a raise last year because I can not make anymore money in my role at work. I can not make more than {$60000.00} a year. I spent all of Covid taking care of my ill mother who is XXXX. Its been an economic struggle. My Navient loan never goes down, and I can not refinance them. This company is disgusting and now I started paying 10-15 days late because I am so disgusted. Why didnt they take the co-signer off? Theres always an excuse. Why cant they lower the interest rate? What an outrage and trampling of human beings. Im XXXX years old paying for my sons education. I have paid for my sons private education since kindergarten it is my greatest and most proud gesture as a mom. My ex husband never paid a XXXX. I feel that Navient is wrong with co-signer relief, with interest rates and most importantly the loans never go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint with the CFPB ( Consumer Financial Protection Bureau ) regarding fraudulent items appearing on my credit report. Upon recent discovery, I have found multiple items on my credit report that I did not authorize or participate in. I have taken the necessary steps to dispute these fraudulent items with both the credit reporting agencies and the relevant creditors, but unfortunately, I have not received a satisfactory resolution. Despite providing ample documentation and evidence of the fraudulent activity, these items persist on my credit report, continuously harming my credit score. I strongly believe that these fraudulent items are a direct result of identity theft, and I am deeply concerned about the potential consequences for my financial well-being. Therefore, I kindly request the Credit Reporting Agencies to investigate this matter thoroughly and take appropriate action to ensure the removal of these fraudulent items from my credit report, as well as the restoration of my credit score to its previous state. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} 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 . As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit.