23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/year> I received a {$200.00} Vanilla Visa Gift Card as a wedding gift. On XX/XX/year> I activated the card online and confirmed the balance, then I attempted to use the card for a purchase at XXXX  where it was repeatedly declined. I spoke with a customer service agent on XX/XX/year> who told me the card was compromised and they could not reactive my card, they had to send me a new one. They claimed to have sent one via XXXX but could not provide me any tracking information. They also claimed it was expedited. When I did not receive it by the last possible day on XX/XX/year> I spoke with another customer service agent who told me to wait until Monday. Today on XX/XX/year> when I still had not received the card I spoke with another customer service agent who told me to keep waiting. I am currently out {$200.00} from my checking account as I had to use my personal card when the gift card was declined and deactivated by the company on XXXX. All I am asking for is a replacement card or a refund check sent to my address with tracking. If you XXXX the company, you can see this has happened to hundreds of people, many of whom never find a resolution. That is unacceptable to me and I need the company to give me my {$200.00} gift card or reimbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple credit inquiries for duplicate companies Address and name is not accurate old addresses keep reappearing
Product: Debt collection

This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX, has violated my rights. 

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

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

15 USC 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. 

My right to privacy was disregarded by XXXX XXXX in XX/XX/2023. The company is inaccurately listing my payment. My payments have always been on time. This inaccuracy has been disputed as well because it has affected my credit negatively. 

Thank you for your time and assistance, XXXX XXXX
Product: Credit card

On XX/XX/year> as Apple Card GS manager actually reached out to me. We again we arguing about the error I am trying to establish and they again denies it all claiming its accurate. After months gone by of me asking for investigation the manager ask me to provide proof. I advise I will and I did partially on the phone but Apple GS will just continue to play XXXX and drag out the process as they are not the one being XXXX with credit reporting. I requested to get a payment or settlement on my account and was informed he needs to transfer me to collection. after 30 plus minutes of essentially beating a dead horse wasting more time of mine. I was transferred to collection dept. After some significant time having them explain their program and what the program accomplish I ask for a settlement option. I was told she needs to transfer me to their other department since she only can offer me payment options. I was than transfer to another department that handles closed account. I spoke to the person and as usual with the circus of a bank, tells me my account isn't closed and she cant help me. I ask what if I closed the account? she replies " your account isn't closed so I cant help you ''. She transfers me back to collections again and again the person comes on and asks me for my name, social and birthday again!. Here I am the same person on the SAME CALL being ask my name social and birthday again and again. Transfer from one department to another department to the department supposedly I need BUT as usual, ITS NOT and they CANT help me. Apple GS continues to waste my time and making things hard to accomplish and difficult so they can continue report your account late. 5 that is FIVE months later they are asking for me to provide more proof when they can easily contact the bureau and who THEY REPORT TO and ask for records of when they did something. I just TRIED to pay them and they made it impossible to. 55 minutes AGAIN today 4 departments later and NO ONE KNOWS WHAT TEHY ARE DOING. it's like little kids in kindergarder, no he is it, no he is it, no he is it. They also purposely left my account open just to be able to do more damage to my credit.
Product: Debt collection

Harrassment by a company called Hunter Warfield who is seeking to collect a PAID obligation in the amount of {$1200.00}. The amount is representative of charges remaining upon termination of a lease with XXXX XXXX, an apartment complex in XXXX XXXX, Tx that is owned by XXXX XXXX XXXX. I made payments to XXXX XXXX 's management plus additional payments to this Hunter Warfield who is the debt collection agency that was engaged by parent XXXX XXXX XXXX. I fully paid the obligation over a span of several months a total of {$900.00} in payments. The remaining {$300.00} was paid via application of the pet deposit that was paid to XXXX XXXX.
Product: Debt collection

Beginning in XX/XX/2021 I received a notice from Glasser and Glasser LLC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, claiming to have been hired by XXXX  XXXX XXXX to collect a debt of {$4000.00} that I owe them. The account with XXXX  XXXX XXXX has been written off as a bad debt and reported to be credit bureau. I contacted BOA regarding this matter and they said they have never heard of this firm. My account was never reported to a collection agency. It was sent directly to the credit bureau once I defaulted. 

This agency has sent me so much paperwork over the course of time. I've discarded most of it because I thought they had left me alone. I have contacted Glasser and Glasser telling them that if they contacted me again I would file a claim against them. But I see they have resumed the harassment. Apparently, they didn't take me seriously so I'm making good on my promise. 

I'm telling them again to stop contacting me because I'll not pay them anything. I tried to download a copy of the paperwork they sent but it won't download.
Product: Credit card or prepaid card

On XX/XX/22, I contacted HSBC credit card to dispute a charge of {$140.00} to XXXX XXXX. 

On XX/XX/22, I called to follow up on the dispute and was advised to email their dispute department with the details of the dispute and reference case id : XXXX. I emailed the information. 

On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute. 

On XX/XX/22, I called to follow up on the dispute and was advised that they were still working on the dispute. 

On XX/XX/22, I received a correspondence from the company asking me to hire a professional beautician to write a letter to attest to my dispute. 

On XX/XX/22, I provided the company with a letter from the professional. 

On XX/XX/22, I called to follow up on the information that was provided. I was blind transferred to the dispute department and was on hold for over 1 hour. I called back and was advised that they didn't have any knowledge of the letter that I sent in. I had to pay {$25.00} for my beautician to write the letter for me. 

This company is so unprofessional. I had a prior dispute that they didn't send any correspondence in the mail until after 60 days. 

I need my money refunded back to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case # : XXXX On XX/XX/2021, I sent a dispute via email to Experian business regarding an incorrect balance of {$100.00} that has been reporting to my business credit report since XXXX. I've contacted every vendor reporting to my Experian account and everyone stated I do not owe a balance. I've attempted to contact Experian Business multiple times with no solution. I do not believe my complaint has been investigated.
Product: Credit card or prepaid card

Chase Slate account ending in XXXX A dispute in the amount of XXXX XXXX XXXX XXXX XXXX has been on going for several weeks now, it was initially disputed in XXXX, closed by Chase and subsequently reopened, still no resolution. The account was paid off less the dispute amount of XXXX which does not include interest and fees associated with charge, additional interest has been charged as the account has cycled. A payment was due which has been made for XXXX in the amount of XXXX. Please note, the total charge from merchant is actually XXXX. An of XXXX was charged to my debit card with XXXX XXXX XXXX, which was also disputed and has since been resolved as a credit was issued by XXXX XXXX and is now permanent. Chase has not resolved it on their end. As I stated before and again here, the item XXXX XXXX ) were delivered to wrong address, signed for by someone else. A person by the name of XXXX XXXX signed for the package, Chase reps in both claims and their executive office have this information and again, they have not reached resolution to date. The package was delivered on XXXX, I was not at home on this date. Once Chase reaches a resolution, I need a check for payment I made of XXXX plus interest and fees associated with charge.
Product: Mortgage

Regions Bank, XXXX XXXX XXXX, XXXX XXXX XXXX Bank Officials XXXX XXXX and XXXX XXXX XXXX Customer Service I have received two notices concerning my mortgage payments, they are delinquint and am being charged fees. Since I started payments on the mortgage XX/XX/XXXX I have always made my payments sometime a little before to a little after the date, this last month I have been falsely accused of missing a payment. My loan details can be confirmed that I have made payments, they have been posted, and no issues until now. 
I have sent copies to the bank in Mississippi requesting the fees be dropped and any negative comments on my credt if any to be removed. I have paid the late FEE of {$250.00} as of XXXX XX/XX/XXXX just to avoid additional issues. I make my paymenys electronically and always have since my account has been active. This unfair and unjust action against me has caused severe emotional XXXX, lack of sleep and constant worry. Please help. Respectfully XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are reporting Inaccurate, information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is Inaccurate because the following accounts report inaccurate information. 


Account Name : XXXX  XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Please Delete this Account! 



Account Name : XXXX XXXX - XXXX Account Number : XXXX Please Delete this Account!
Product: Credit card

I had a credit card payment due on Sunday. The following Monday was a Federal Holiday and the Branch where I make my payments was closed. I made the payment on Tuesday. I was charged a late payment charge and interest on my next statement. I called the Bank 's Credit Card Processing Services and they said they would credit the late payment charge as a courtesy but would not credit the interest charge. The supervisor told me I should have made the payment on the Saturday prior to the due date. Are the late charges and interest proper on the banks behalf?
Product: Credit reporting or other personal consumer reports

In the course of the last few weeks I attempted to obtain a free credit report by Experian. 
After entering all the info required, and hitting " proceed '', an error message would appear that would tell me to call their customer service to speak with a customer service representative I proceeded to call and an automated attendant would respond, that would do the following : XXXX either take me through questions and at the end refer me to their online help page, that would then take me back to request the free credit report as I had already done, hence receiving the same error message that would tell me to call customer service and speak to a customer service representative XXXX or switch me to a recording saying we are unable to connect you to a live rep. 

Mind the above following an error message generated by their own platform, stating that there was a problem on their side, not mine, and that I should call customer service to speak with a rep.
Product: Checking or savings account

On XX/XX/XXXX, I went to my bank to deposit a check. I checked my balance through the ATM machine and I found ~ {$3000.00} missing from my checking account. I went to the bank manager ( Keybank ) and filed a complaint. I explained to her what had happened. I then asked her to print me a statement for my account and I found on the statement that I had a charge from XXXX XXXX XXXX XXXX XXXX FL for {$2700.00}, I had not authorised this charge on XX/XX/XXXX. The bank manager cancelled my ATM card per request, and I handed her the ATM card after she cancelled it. She gave me a paper stating the bank would do a fraud investigation and theyd give me an answer in 10 business days. I then called the same bank manager after ~5 business days to get an update on when Id get my money back. She told me she was going to call the fraud investigation and she then put me on hold. She got back to me a few minutes later and told me they still have up to 10 business days and she was very rude and got smart with me and told me it was my fault because Im using my card to order XXXX eats. I told her Id give her 10 business days and if I dont see my money back Id take the bank to court. On XX/XX/XXXX, I stopped by a different branch of Keybank in XXXX XXXX and I talked to XXXX of their bank managers to get an update and he called the fraud investigation. After talking to them for 10 minutes, he told me the investigation could take up to 3 months because they tried calling the roofing company that had made the charge and they have not answered or returned their call, which sounds full of XXXX. Ive had bad experience with this bank. Every time something happens with my ATM card, they always only partially refund some of my money from unauthorised purchases and then take it back months later. As an example, I had somebody steal 4 of my ATM cards from 4 different banks and used it to make unauthorised purchases, and I filed a complaint with all of the banks and all of the banks refunded my money completely except for Keybank ; they only refunded half of my money even after getting the police involved in which they caught the guy who stole my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and have sent certified letters to all XXXX credit agencies letting them know that the addresses are not complete. They are in all XXXX agencies abbreviated or incomplete. According to the FAIR CREDIT ACT all information needs to be precise and exact no abbreviations are permitted.
Product: Debt collection

I am having trouble with getting this account off of my credit. I believe there was a mistake with an account that I had previously with XXXX XXXX. I purchased a comforter for about XXXX. At the time I was going to buy a computer desk, and book case. I cancelled everything but the comforter. I paid off the comforter already. There is this balance for XXXX, which should not be on my credit. I have written XXXX XXXX several times to obtain any paperwork to validate and show the errors, however there has not been any forthcoming information. I want them to remove it right away, because it is interfering with my credit score and rating. 

Enclosed is the last letter that I sent to XXXX XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even nowXXXX XXXX months after receiving an XXXX  XXXX XXXX from XXXX Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the XXXX year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.
Product: Mortgage

During the covid pandemic I was on the forebearance program where I did not have to make payments. Prior to my foreberance period closing I sent a mortgage payment in via check for the month immediately after the forebearance period ended. I also came into some extra money and after I sent in payment I sent in a payment for {$10000.00} to go towards my principle. I logged into my account and noticed that the payments were received but they were not applied correctly. On XX/XX/22 I spoke to a representative on the phone her email was XXXX and she gave me tracking # XXXX Since XXXX I have been trying to have this rectified. I have sent several emails to LoanDepot and Spoken to them most recently a rep told me that I was past the time to have payments applied. I have been shut out of my account since XXXX and have not been able to make online payments nor have the issues I presented been addressed. I have sent the following emails below on several occassions. 

To whom it may concern, I am following up to our phone call. I wanted to send a recap of the issues I need resolved on my account. 

1. First Forbearance, when I logged into my account it said that I am 60 Days past due but in my letter it states that forbearance ended XX/XX/22 so that means my first payment wouldve been XXXX. I do not want it to show that I am behind on my credit. 

2. I also emailed on XX/XX/22 to have my forbearance payments moved to the maturity of the loan. 

3. I sent in multiple payments and they werent applied right. On XX/XX/22 you received a {$2200.00} payment that should have been applied to XXXX Mortgage Payment. I also had a {$10000.00} payment sent in on XX/XX/22 that should have been applied to the principal but it shows status UNAPPLIED. 

4. I have a notice in my account that says my payments are going up on XX/XX/22 by {$470.00} can you verify that this is not a permanent increase and if you can let me know how long I will need to make these additional payments. 

Thank you in advance for all of your assistance with this Matter. 


Looking forward to your kind reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has no credit history on file for me, yet I have over four ( 4 ) years of established credit activity with multiple credit cards, student loans, and soon-to-be utilities and a lease in my own name. The other credit bureaus -- XXXX and XXXX -- have verifiable credit history with me. I called my credit card companies and student loan servicer asking the same question : " Do you report to all three credit bureaus in the United States? Including Equifax? '' All of them gave an affirmative response to those questions. All of them ensured me they even sent the reports just last month. <P/>I have been calling Equifax for the past four months on fixing my credit report, as it is now impairing my ability to open utility accounts and the like. I have now faxed and snail-mailed a copy of my social security card and license seven times and waited the appropriate amount of time. Each time I call, well over twenty times on separate dates at the current date ( XX/XX/17 ), the files are never found nor are they processed in the time frame I am told. A fax takes 48 hours to process and a snail-mail correspondence takes 5 business days. <P/>I need this problem fixed and my credit history to be rightfully straightened out.
Product: Student loan

I am on a payment plan because I can not afford the monthly payments with Navient. Even though I have a payment plan set up with automatic payments, I receive XXXX calls a day and so does my co-signer. When I pick up the phone to answer, there is hold music playing for XXXX seconds to a minute and when someone does come on the line 75 % of the time they hang up on me. I work very hard to pay what I can to this company and yet the harassing phone calls don't stop, even when there is a payment plan in place and pending automatic payments. I have asked the people calling to stop calling me and my elderly co-signer who can not help at all financially. I have been told by reps that there is nothing they can do about the calls. One rep told me that the list of numbers autodials and she can not stop the call being placed. I talked to a manager today and was told that the calls are not automated and that someone was physically dialing. When I asked why there is hold music when I pick up, and no rep on the line, she said thank you have a nice day and hung up.
Product: Debt collection

I hope all is well I paid the debt for PayPal pay in 4 for the amount {$90.00} and several agents advised once I made the payment I would be able to use PayPal pay in 4. Im still not able to use Paypal pay in 4. It wasnt my fault that it went to your internal collections department because I tried to pay it several times but it was not showing up for me to pay on PayPal.com. Can you please fix my account so Im able to use PayPal pay in 4 that was stated by your other representatives ( several ) they said once I make the payment I will be able to use PayPal pay in 4 again and I have witnesses and documentation of this. Thank you for your time. Have a wonderful day and please be safe.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.