23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Back on XXXX XXXX, 2015 I purchased a cell phone from XXXX XXXX using my credit card. When the phone did not arrive, I called to file a dispute on the XXXX of XXXX. I was issued a temporary refund to my account. I always make the habit of paying off my balance as soon as the charges clear the account before the statement is processed, so I paid the charge of {$1000.00} already back in the beginning of XXXX, but as of XXXX XXXX, I noticed the refund was taken away and I was rebilled for the charges of {$1000.00} and I am being asked to pay them XXXX even though I still do not have the merchandise that I originally paid for. I called several supervisors who claimed that a mistake was made and that I recieved XXXX charges and XXXX credits that should have cancelled each other out, but they would do nothing the correct this issue and I was forced to pay the {$1000.00} back to the credit card company to avoid a negative consequence on my credit report.
Product: Mortgage

This is at least my 3 complaint against Fay Servicing Only XX/XX/XXXX I requested a refund of XXXX which I noticed was in my escrow account which I never requested. I have followed up with my account manager several times via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Now I am being told I have to call XXXX XXXX for more information, I have provided my number and have not received a return call and when I try to call her all I get is a voice recording while other agents say they will have her call. They very least they could send a message through Fay Servicing portal. 
This is why my account is past due and they are charging me late fees and reporting my account past due to credit bureau. I have attached documentation that I believe is important to resolving this issue. 
Keep in mind I have requested an escrow account, I pay my real estate taxes directly to my county at the end of each year.
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. 

XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has 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 15 U.S.C 1681c. ( 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 of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 information is inaccurate.
Product: Credit card

Just applied for and received a credit Card from US Bank, we tried to make XXXX purchases over XXXX as XXXX are some travel points associated with the card. US bank wil not allow us to charge anything over XXXX, even though credit scores are in the high XXXX 's and we had a mortgage with US Bank until a few years ago, which was never late. US Bank also indicated in an email the following : XXXX Points per {$1.00} spent in eligible net purchases at XXXX XXXX hotels worldwide. 
Bonus Award Nights -- When you redeem Points for XXXX or more consecutive Award Nights, your last night is free. Plus:XXXX New Account Bonus : To earn the XXXX-time XXXX Purchase Bonus of XXXX Gold Points, you must XXXX make a purchase with your XXXX Premier Rewards Visa Signature credit card ( " Card '' ) within 90 days after your Account was opened. You may earn an additional XXXX-time Spend Bonus of XXXX Gold Points ( XXXX Gold Points for Platinum Rewards ) if you spend at least {$2500.00} ( {$1500.00} for Platinum Rewards ) in Net Purchases on your Card within 90 days after your Account was opened. " Net Purchases '' means authorized purchases of goods and services minus any returns or refunds, and does not include Advances ( as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements ), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, XXXX XXXX purchases, or transactions to purchase cash convertible items. Once you qualify for either the XXXX Purchase Bonus or the Spend Bonus ( collectively referred to as a " New Account Bonus '' ), please allow XXXX to XXXX weeks for the Gold Points to appear in your XXXX account. Neither New Account Bonus is available to applicants who have had this Card or another XXXX XXXX credit card product within the last 12 months. If your Account is not open for at least 6 months, XXXX XXXX and U.S. Bank reserve the right to deduct the New Account Bonus Gold Points from your XXXX account. 
They mislead us when we applied for credit card and now they will not allow us to charge enough to be able to use the benefit before the benefit goes away ... seems to me this is deceptive advertising
Product: Credit reporting, credit repair services, or other personal consumer reports

In the fall of  XXXX , I tried to repair inaccurate reporting of a closed   XXXX   XXXX   XXXX   account through   XXXX   that showed up on my Experian Report. I settled the account in  XX/XX/XXXX  with   XXXX   XXXX   XXXX   XXXX   and closed it. However, old information still appeared on Experian. I became aware of this inaccurate reporting situation when we began looking to buy a house and got our credit reports for the first time as a couple. When I called   XXXX   XXXX   XXXX   XXXX   to have this remedied, asking that they update the information, it made the account look more newly closed, dating it  XX/XX/XXXX  This only appears on my Experian report. I 'd like to have this removed. For my report to be accurate, the account was closed  XXXX . I believe it should no longer be on there. Can you help me? I 'm afraid to call back directly, as my first attempt to remedy this only made it worse.
Product: Credit card or prepaid card

To Whom This May Concern, I received a 1099-C Cancellation of Debt in the amount of {$1700.00} referencing account # XXXX dated XX/XX/2018 Sears MasterCard. I have sent two letters to the following address : Citibank, N.A XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, NY XXXX Attn : Internal Recovery I have asked them to provide me with the following items : 1. ) Who opened this account?

2. ) Send documentation of what the historical items are and how this balance got to this amount. 
I have called them several times and have also sent 2 letters to them with the US Postal service. I sent so they would have to sign the second request. Please assist me in resolving this matter. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear Ombudsman, I have a complaint that seemingly can not be resolved with customer services for my Barclaycard. 

I paid for a XXXX XXXX XXXX XXXX XXXX- on my XXXX XXXX That XXXX card was then hacked and I replaced it with the barclaycard in question, uploading the details of it to my XXXX account. 

I was then rebated {$610.00} on my transaction from XXXX, and they placed a credit on the card on file - the barclaycard. This transaction occurred on XX/XX/2022. Receipt attached. 

I have never received this credit, despite over 2 months of asking for it and following all protocol from Barclays. 

I spoke to customer services reps several times on the phone from XX/XX/2022 and went into great detail about what happened. I was recommended to write to Barclays at the " billing disputes '' dept with paper evidence of the transfer. I sent them : 1. the receipt for the transfer showing that the credit had occurred on XX/XX/XXXX from XXXX XXXX my barclaycard, 2. the statements showing it had not been credited either to the new XXXX XXXX XXXX XXXX, 3. a covering letter explaining that the money had not been debited first as a purchase from XXXX  on the barclaycard, so this was not really a billing dispute but a missing credit. 

I received no reply in a timely fashion, so called again several times between XX/XX/XXXX - XXXX and asked to speak to a manager. I call XXXX XXXX XXXX XXXX and I was told that this had been referred to the wrong dept and was not a billing dispute, and I am told this every time I write or call in. Each rep apologises on the phone for this truly awful service, but no credit has given. Case no is XXXX. 

Although they quote this case number over the phone, when they wrote to me again recently to tell me AGAIN it was not a billing issue and they could not credit the money to my account because of that, they quoted this reference number : XXXX XXXXXXXX. 

They also verbally take no liability for not receiving the money, if this is what happened, saying this is XXXX 's liability. XXXX say they are liable for sending the money only. They have seen the receipt XXXX sent me showing the money clearly transfer onto the correct credit card. 

Additionally I am racking up a phone bill from the XXXX XXXX XXXX XXXX XXXX XXXX every time I call, and Barclays have been earning interest on the {$610.00} since XX/XX/XXXX. 

I would like Barclays to give me the money I am owed and additionally take off the annual fee of {$99.00} for my inconvenience. 

Please help! 

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

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account 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. 
CARNGTN MTG XXXX Date Opened : XX/XX/XXXX Balance : {$230000.00}
Product: Credit reporting or other personal consumer reports

Tower Loan is not reporting my on-time payments accurately/ my credit score is not moving as it should
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

Account Name : 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 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 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: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNT. MY INFORMATION WAS EXPOSED DURING DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT, THE FOLLOWING ARE UNAUTHORIZED. 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 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: Debt collection

XXXX XXXX has been reporting a fraudulent account XXXX XXXX  in my name that I have already disputed as fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






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 XXXXr : XXXX
Product: Credit card or prepaid card

Dear CFPB, On XX/XX/XXXX a charge of {$1300.00} was made to my credit card that I did not make. There were several other fraudulent charges made to the card, some were caught by Chase before the charges posted to the account.

The charge was initially disputed, but when Chase learned other fraudulent charges were made the dispute was passed to their fraud recovery department. 

On XX/XX/XXXX Chase initiated a conference phone call to the merchant ( XXXX XXXX ) where they spoke to XXXX at XXXX XXXX. XXXX admitted this charge was not made by XXXX XXXX and they show no recorded of the charge. 

Chase 's fraud department came to the decision because I had dealings with this merchant, I must have made the charge. They then past the claim back to their disputes department. 

Chase 's dispute department has said even though I may have a valid claim with the merchant, they determined no billing error occurred.

I have made about 30 calls to Chase and 10 to the merchant.

The merchant is very vague about the entire situation and says there is nothing they can do since they show no record of this charge. 

I have already paid for this charge in full and am in good standing with Chase. It was paid many billing cycles ago. I have always paid for any service or goods purchased. 

Any assistance that can be given to me is appreciated. 

Sincerely, XXXX XXXX
Product: Student loan

My student loans were being managed through Nelnet Loan Servicing. I sign into my account and pay them every single month. On XX/XX/2024 and on XX/XX/2024 I received emails from Nelnet announcing their new brand ( Sloan servicing ) was coming soon and stated SOME of their loans would now be managed through by this new brand. The email was not specific to my accounts and both emails state nothing was needed on my part, as of yet. Those were the only two emails I received. On XX/XX/2024, I received a collector call stating my student loans were passed due. Not knowing if the t was a legit call or not, I said I would look into it. When speaking with Sloan servicing, they told me they had made several calls to me but did not leave a voicemail ( because it is an automated call ) and that they had also notified me via mail of the delinquent account. I do not answer calls from XXXX numbers and without a voicemail, I would not know who called. I never received anything via mail from them. And still had only received the two emails mentioned above stating no action was needed on my part. Sloan offered to put a deferment on my account, which they stated would bring my account current and no payment would be needed until XX/XX/2024. I accepted this. Then I noticed ( within days ) they had reported the delinquency ( XXXX separate student loans ) to be the credit bureaus, dropping my credit score XXXX points ( from almost XXXX down into the XXXX )! This feels very unfair because I pay all of my bills and would have paid this, had I known about it. I thought all my loans were through Nelnet still, and I pay them every month. I disputed this with Sloan and one report says, dispute resolved- reported by grantor and the other says, dispute resolved- consumer disagrees. Neither has helped my credit score recover. I feel their poor communication, non-specific information, and lack of voicemails caused this and now I am paying the price. I reached out to them and they say they will not remove the remarks. Please help me get this settled!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my fifth WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Debt collection

It has just come to my attention that this account is still reporting on my credit reports.I requested proof of ownership for the account reporting on my credit reports by Security Credit Services. I have received no response from Security Credit Services. I requested the proof in writing via certified mail on XX/XX/XXXX mail receipt # XXXX XXXX XXXX XXXX XXXX and again on XX/XX/XXXX mail receipt # XXXX XXXX XXXX XXXX XXXX. I also requested XXXX, XXXX and XXXX verify the account and none of the agencies have been able to provide me with any written proof of ownership.
Product: Mortgage

Since I purchased my home in 2012, I have paid PMI. The value of my home has increased significantly and I am now currently around 67 % LTV which would qualify me to have my PMI removed. I called my mortgage company to get this started and the person on the other end of the phone told me he was sending me a packet in the mail to sign and return to get the reappraisal started. After not receiving it, i called and was then told that they can not remove the PMI. After much research, I CAN remove the PMI with a reappraisal but my mortgage company will not do this.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed that there is a charge off reporting on my credit report from United Auto Credit Co that I don't have any knowledge of. Unless the account can be verified as my account I am requesting that it please be removed from my credit report. United Auto Credit Co has reported a charge off on my credit report so therefore they need to provide proof. United Auto Credit Co should provide the original contract with my signature on it as well as they should provide a copy of the XXXX since they have written off this debt as a loss and also they need to provide verification of the claimed amount owed. 

Creditor : United Auto Credit Co Open : XX/XX/year> Status : Charge off {$10000.00} written off Balanced reporting owed {$10000.00}
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXXhas 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 a account without my written instructions 15 U.S.C 1681c. ( 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 of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-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 information is inaccurate.
Product: Mortgage

Hi, my name is XXXX XXXX. I live in XXXX XXXX, CA. My address is XXXX XXXX XXXX XXXX XXXX, CA XXXX. My servicer is now Select Portfolio Servicing , Inc. ( SPS ). 
I 'm currently attempting to work out a loan modification option with SPS. I 've been trying since XX/XX/XXXX. Now it 's XX/XX/XXXX and I still do not have an answer to my loan modification request. I do n't know how long this usually takes but to me this seems very unusual to have this process take so long. Every time I give them documents they always ask for more and it seems like no matter how much documents I give them it 's still not enough for them. I do n't know what to do anymore as my home is put on a foreclosure sale which is scheduled for XXXX XXXX, XXXX. 
I 'm very worried that by that sale date I still will not have a loan modification approved on my loan. I would greatly appreciate it if your company will look into why this is going on and when I will be able to get a loan modification on my home. 
Thank you kindly