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

I have a credit card called IKEA Visa Credit Card issued by Comenity Bank and I receive {$15.00} reward certificates from the bank every time that much rewards are accumulated. These certificates can be redeemed at IKEA against the purchases made at the store or online. 

Few months ago, I received XXXX reward certificates of {$15.00} each, total {$30.00} in XXXX separate statements dated XX/XX/2022 and XX/XX/2022. On XX/XX/2022, I went to IKEA store at XXXX, CA to redeem both the reward certificates and discovered that the statements could not be redeemed since the XXXXKEA point of sale system was getting error when the certificates were scanned. When the issues was borough to the attention of the IKEA store manager, she mentioned that they are experiencing an issue with Comenity Bank 's rewards system hence my rewards could not be redeemed at that point. The store manager asked me to contact Comenity Bank to resolve the issue.

I contacted Comenity Bank about this issue after a few days of my visit to IKEA. I called the bank as well as sent them a message from their website on XX/XX/2022 explaining the issue I am facing with redeeming the rewards. The bank responded with following message : " We implemented a system update due to which some functions are temporarily disrupted. We are temporarily unable to see some account information and help with certain things. '' The bank did not give me any definite date on which the issue with their system will be resolved. So, I waited patiently and contacted them again on XX/XX/2022 since I did not hear back from them in the mean time. The bank responded with following message : " We are still working to resolve the reward issue that is impacting your account. Once this issue has been corrected, your rewards will be updated accordingly. Unfortunately, there is no time frame regarding when this issue will be fixed. '' After this I waited patiently again and called the bank on XX/XX/2022. I was able to talk to a customer support representative who failed to resolve the issue after investigating it for approximately XXXX mins and disconnected the call abruptly. I called them again talked to another customer support representative for around XXXX who said he wants to reissue me the {$30.00} rewards but the system he is working on does not give him that option. When insisted that I want this problem to solved today, he them transferred my call to his supervisor. The supervisor never answered the call and my issue remained unresolved after almost 5 months. This is not the first time I have faced issue with the Comenity Bank service and their rewards system and I fear that they don't want to resolve my issue and take away my {$30.00} rewards.
Product: Debt collection

On XX/XX/2022 I sent to the COLLECTION BUREAU XXXX XXXX a letter and beyond the time allowed by Federal law have not heard back from them informing me if an investigation has taken place. The letter I sent to the COLLECTION BUREAU XXXX XXXX icluded all supporting documents including an FTC report showing all fraudulent accounts that were opened in my name. Of those still being reported on my Credit report is one and thats by COLLECTION BUREAU XXXX XXXX all other accounts held by other collections agencies were deleted. I informed them that there was a fraudulent account being reported by them on my XXXX credit profile. I'm desiring to get passed this ongoing attempt to be given what is righteously due to me, JUSTICE. I have provided COLLECTION BUREAU OF XXXX with laws they are violating against me and also informed them of what my financial compensation could be if they are found to be willfully or negligently non willfully causing me pain by not deleting this erroneous and fraudulent information as stated in the FCRA. I have given to this company FTC reports, statements personally by me via letter about how I had been defrauded, as well as other laws that are being ignored. It seems I am being purposefully ignored and mistreated by the COLLECTION BUREAU XXXX XXXX. I will NOT be taken advantage of anymore. Delete this from my report as it is not mine! and I will not participate in the collection of this debt. Delete or next I will seek litigation. I have provided an attachment that contains my FTC report, dispute sent to the COLLECTION BUREAU XXXX XXXX on XX/XX/2022, Drivers License ( this is also is my proof of current residence as I do not have any bills in my name ), and my social security card. I gave the COLLECTION BUREAU XXXX XXXX No permissible purpose to report anything on my report and demand this be deleted according to 15 U.S. Code 1681b PERMISSIBLE PURPOSE OF CONSUMERS REPORTS. According to my rights in the FDCPA I also am requesting communication between me and you to cease and desist. Unless you can provide me with the Original contractual Documents bearing my signature, as well as the statue of limitation of that debt present I again am being violated and the account MUST BE DELETE AT ONCE. DELETE this fraudulent account. I had no knowledge it existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. It was previously deleted from my credit report when found inaccurate, and has reappeared under a different collection name. This account is fraud. 

Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status date XXXX XXXX Name RENT RECOVERY SOLUTI Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This account also does not belong to me and is fraudulent. This collection was also removed, but had reappeared. My profile has been frozen and fraud alert put on it. 

XXXX Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some inquiries passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, PA XXXX
Product: Mortgage

Subject : Urgent : Unacceptable Delays and Lack of Transparency from Advisors Mortgage Group I am writing to express my deep frustration and concern regarding the repeated and seemingly deliberate delays caused by the lender, XXXX XXXX, Branch XXXX at Advisors Mortgage Group , LLC. The consistent lack of communication, coupled with a series of excuses, has created an untenable situation that is threatening my financial stability and the successful closing of this property sale. 

To recount, our original closing date was set for XX/XX/XXXX. Since then, we have experienced delay after delay, with long periods of silence where we were left entirely in the dark about the status of the transaction. My agent diligently followed up with the buyers agent, only to receive vague excuses about needing the XXXX to revisit the property or requiring additional documents from the buyer. This pattern of stalling and non-transparency is not only unprofessional but also highly questionable. 

On Wednesday, XX/XX/XXXX, we were finally informed by the buyers agent that we had received a clear to close and scheduled the closing for XXXX XXXX. Now, once again, the lender has claimed that we are not clear to close. This continuous back-and-forth is beyond frustratingit is an emotional roller coaster that is pushing me to the brink. I am at risk of losing my property to foreclosure because of the excessive time it has taken for their team to bring this deal to the settlement table. 

I need a direct answer : What is the real cause of these delays? The buyer supposedly signed their Closing XXXX on Tuesday, XX/XX/XXXX, so what exactly is holding this process up now? Are they truly a legitimate lender, or is there something more concerning at play here? 

Given the impact this is having on my life and my property, is why I am involving the Consumer Financial Protection Bureau ( CFPB ) to investigate these unnecessary delays and determine if there has been any wrongdoing. The actions of this lender, or rather the lack thereof, have left me with no choice but to seek answers and accountability through any means necessary. 

I expect a prompt and satisfactory response to this matter. The time for excuses is overeither they bring this deal to a close immediately, or provide a legitimate and transparent explanation for these ongoing delays. Otherwise, I want to know my rights as a consumer for protection and recourse.
Product: Credit reporting or other personal consumer reports

On, XX/XX/year>, a Consumer Credit company called me because TransUnion informed them without my permission person information concerning the amount of debt I owed. 
The Consumer Credit company then proceeded to market their product to me.
Product: Mortgage

I have my mortgage through Citizen 's one home loans. I also have an escrow account with Citizen 's Home Loans for the purposes of pre-paying taxes and insurance premiums. I understand this to be standard practice for those who wish to participate in such a setup to avoid late payments. I would like to handle payments of taxes and insurance premiums on my own and have requested to close the escrow account. Citizens One bank responded to say they would only close the account if I pay an escrow waiver fee of .25 % of the outstanding principal amount of the loan. This waiver fee is not in the closing disclosure and no one from the bank ever made mentioned of it.

Citizens bank has not provided sufficient documentation on escrow waiver fees. In the attached loan disclosure, the escrow waiver fee is left off as blank. It clearly states the following : " In the future, your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account, but if you do, you must pay your property costs directly. If you fail to pay your property taxes, your state or local government may ( 1 ) Impose fines and penalties or ( 2 ) place a tax lien on this property. If you fail to pay any of your property costs, your lender may ( 1 ) add the amounts to your loan balance, ( 2 ) add an escrow account to your loan, or ( 3 ) require you to pay for the property insurance that the lender buys on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. '' I have reviewed the entire loan disclosure and do not see ANY mentions of an escrow wavier fee that would apply if I were to chose to close the escrow account. As a consumer, I feel cheated and taken advantage of. The escrow account was " conveniently '' opened on my behalf because I originally thought it was a free service provided by the bank so that I would not have to worry about paying extra bills. However, I am now discovering that I am being held hostage to to this " convenience. '' This practice by Citizen 's bank is unethical and is definitely not the right thing to do. If there was a fee to cancellation of this service, then it should have been disclosed in the closing documents.
Product: Consumer Loan

I got a title loan with loanmax in XXXX Ohio on my Scion tC, they called and told my husbands boss that our car was going to be repoed when I was unable to make the payment, they did n't verify who they were speaking to before telling our personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX credit bureaus are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXXXXXX Balance : {$34000.00} ; XXXX XXXXXXXX Balance : {$36000.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$17000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

Since Wednesday, XX/XX/year>2025, my account has been inaccessible. Online banking has been unreliable. My husband and I both had scheduled deposits for Friday, XX/XX/XXXX from our employers. Cadence states that theres a vendor issue and theyre unable to post transactions. However, transactions going out of my account are still drafting but theyre refusing to deposit our direct deposit checks as a result of a vendor issue. Ive made multiple contact attempts and Im continually told that they cant provide a time line or send my funds back to my employer but my funds will be available as soon as possible. Meanwhile, my bills arent getting paid, Im unable to purchase food and gas. Its supposed to freeze and be snowing on Tuesday. I XXXX XXXX XXXX  and rely heavily on my wifi to be able to do my job. I cant even pay my wifi bill. It would be different if it were my error. But this is bank error and leaving me in a total bind with no real answers. I was told by a Cadence employee that my money would be available Friday. Its Saturday and still unavailable. Not only that, but Monday is a federal holiday so the banks are closed and nobody is even working to resolve the issue or update customers.
Product: Vehicle loan or lease

Sent debit Validation letter. To Cps inc account number XXXX the debit is {$18000.00} XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry listed below is fraudulent and I was told by equifax that it would be removed in 24hours and they also gave me confirmation number XXXX but fraudulent inquiry is still reporting Equifax Fraudulent inquiry XXXX XX/XX/2022
Product: Payday loan, title loan, or personal loan

I received preapproval offers in the mail from bigpictureloans.com. I was approved for just {$600.00} even though I wanted more, however for the {$600.00} the apr was going to be 677.83 % for 6months. so I would have paid over {$4500.00} over the duration. I thought it was not real so I called them up and they confirmed that apr. I don't think anybody should be allowed to rip off the poor like that, it should be illegal. they need to go out of business.
Product: Debt collection

I am writing to file a formal complaint against this company for engaging in debt collection activities in the state of Alabama without the proper licensing. According to my research on the XXXX XXXX XXXX XXXX XXXX XXXX ), this company does not have the required license to operate as a debt collector in Alabama. 
I was contacted by them regarding an alleged debt. Despite their communication, I have confirmed that they are not licensed to collect debts in my state, which I understand is a violation of Alabama law and federal guidelines under the Fair Debt Collection Practices Act ( FDCPA ). Their actions raise serious concerns about their compliance with legal requirements. 
I am requesting that the CFPB investigate this matter to determine if this is violating consumer protection laws by attempting to collect debts in Alabama without the appropriate licensing. Their failure to comply with licensing requirements not only undermines consumer rights but also places undue stress and potential harm on consumers in my state. 
Attached to this letter are the following documents for your review : A screenshot or printout from XXXX XXXX XXXX showing their lack of licensing in Alabama. 

I kindly ask for your assistance in addressing this issue and ensuring that they are held accountable for any violations of federal or state laws. If further information is required, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have these inquires removed from transunion and XXXX. I have had no luck. My ex husband who just recently is now deceased tried to open things in my name. 
XXXX inquiries from XXXX XXXX XXXX XXXX XXXX XXXXl XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX inquiries from discover with no dispute information XXXX inquiry XXXX XXXX XXXX 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

This account was charged off on XX/XX/XXXX. Since then the account has repeatedly been updated as charged off on numerous months. The account also has inconsistencys in payment history across all 3 credit bureaus. 
XXXX 30 days late XX/XX/XXXX Experian 90 days late XX/XX/XXXX XX/XX/XXXX At the same time reported charge-off on the same months. 
A charge off should not include active payment history. 
This inaccurate information falsely manipulates the statute of limitations. I have opened an investigation directly with the credit bureaus with no change or resolution. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have sent certified mail four times to Transunion ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Transunion dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XXXX 2017. I 've been fighting with Transunion since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XXXX/XXXX/2017. I 'm requesting assistance in this delicate situation. Thanks.
Product: Mortgage

Back to XXXX 2020 my mortgage company send a letter to me with proposition to go to the forbearance plan and I accept it because I have to go for the XXXX I had XXXX XXXX XXXX XXXX XXXX XXXX for last 5 years.They said when that period will end I can go back on the track and still make a same payments and they will put a missing payments on the end of my mortgage, When that plan was ended I call them and I got completely different information they told me that I have to pay them full amount or they will refinance the mortgage and I have to go on the trial plan for 3 month and make them payments for {$800.00} My payments before was XXXX XXXXI agree to that and make those payments for 4 month when I call them to make a next payment they told me they cant accept it because they have to do some title search and I have to sight some form I was patiently waiting for calling them and finally got it 3 month later.I sight that form and returned to them they told me they gon na get back to me but they didnt do it.I have to go to XXXX for 2 month because of my family emergency matter get back and receive XXXX XXXX  XXXX.I hade my phone with me all the time they got my email address, no one ever contact me with any instructions.I asking you to step in and help me to resolve that problem .I really have no any problem to make my monthly payments.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent are fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had a Gemini account for approximately 3 years, tried signing on last week and was unable to sign on and access account. After repeatedly trying to change password and then trying to contact their support O have not heard one thing from them and am no closer to accessing my account and money
Product: Money transfer, virtual currency, or money service

I used my XXXX XXXX XXXX XXXX  to send money on Cash App XXXX transactions were denied by cash app, Ive tried calling Cash App and can only talk to someone via the App and they say they same thing, Cash app says they sent the money back to my card on XX/XX/XXXX, today is XX/XX/XXXX, I have contacted XXXX XXXX regarding this and was asked to send in screenshots of my conversations with Cash App, their response and the transactions and they also have not been helpful and XXXX XXXX only says call Cash App or the payments were completed, hung up on, refused a supervisor, and told me to get a pen and paper only to tell me to add up the transactions, the money has not been returned to my account, I now have {$110.00} late fees for rent and my phone has been shut off, it seems like a game and no one wants to tell me where my money is.
Product: Credit reporting or other personal consumer reports

I made a payment of XXXX that posted to my account on XX/XX/year>. This payment has paid my account off in full. XXXX XXXX  is still refusing to correct the payment status to paid in full after I disputed the information with XXXX, XXXX and Equifax. They are still reporting the incorrect balance information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 163 DAYS SINCE I FILED A DISPUTE. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, I have had my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX Capital one XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 o payment on a credit card account under an open end consumer credit plan as late for Any purpose.
Product: Vehicle loan or lease

Auto loan the amount is XXXX was opened on XX/XX/year> is charging as a bad debt or write off affecting credit reporting. It is listed as a cosign i have requested the information or video or me signing the paperwork or proof that it was me i was and still is a victim of identify theft.