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

I purchased some items from a XXXX decoration/design company ( XXXX ) that arrived in terrible shape and that were of substandard quality by almost anyone 's definition ( one of the art prints looked like it had come from a home printer ). I disputed the issue with the company and never heard back from them. 

I then filed a complaint on XX/XX/2019 ( See Attachment 1 ) with the credit card company Synchrony Bank ( XXXX Cash Back Visa ), and was told the case was being investigated. 

On XX/XX/2019, the credit card company issued a refund of my purchase, only to allow the merchant to immediately re-bill me for the sum total ( See Attachment 2 ).  Once again, I wrote to my credit card company for assistance and was provided with a generic auto-generated message followed by months of silence. 

On XX/XX/2019, in response to two more messages from me, I received a letter from the credit card company stating that they'd ruled in my favor and had issued a credit on XX/XX/2019 ( See Attachment 3 ). Oh, joyous day! Not. The letter did not take into account the immediate re-billing of the items after the credit was issued -- something I repeatedly mentioned in my previous complaints to them. 

I then followed up on numerous occasions over the subsequent months ( See full  correspondence ; most recent at the top - Attachment 4 ) without any type of resolution or even an acknowledgment that a human being capable of independent thought was looking into my case. 

That is still where we find ourselves today.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Whats good. 
XXXX XXXX you up to let you know I dispute the debt under the Fair Debt Collection Practices Act Aint no need for proof or more docs I just dont agree with the debt straight up If you got ta contact me hit me by email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX No live calls no voicemails and dont send no mail through XXXX XXXX XXXX or any XXXX either Thats just inconvenient Thanks for understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX XXXX XXXX open XXXX XXXX, account # XXXX, amount {$210.00} 2.XXXX  account resolution-account # XXXX, date open XXXX XXXX, amount XXXX XXXX XXXX XXXX XXXX-account # XXXX, date open XX/XX/XXXX  , amount- {$3000.00} 4.XXXX XXXX XXXX- account, date open XXXX, account number XXXX, amount {$1200.00} 5.XXXX XXXX XXXX XXXX, date open XXXX, account number XXXX, amount {$240.00} 6.XXXX XXXX XXXX XXXX , date open XXXX, account number,XXXX, amount {$860.00} 7.XXXX XXXX XXXX, date open XXXX XXXX account number XXXX 8.XXXX XXXX date open XXXX, account number XXXX, amount {$3000.00} 9.XXXX Account, date open XXXX, account number XXXX, amount {$3000.00} 10.XXXX, date open XXXX, account number XXXX, amount {$860.00} 11.XXXX, date open XXXX, account number XXXX, amount {$980.00} XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX  ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX  XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXXNQUIRY ; Inquiry date XXXX XXXX ; XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX XXXX-Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date ; XXXX XXXX  ; Inquirydate XXXX XXXX ' XXXX XXXX ; Inquiry date XXXX XXXX ; Inquiry date XXXX XXXX XXXX ; Inquiry date XXXX
Product: Credit card or prepaid card

I was denied for a credit card application too many times and I was denied due to having too many cards open few months ago and today I submit a credit card application on XX/XX/2018 and they denied me all the way cause my date of birth was fake and they need some proof and I told them I don't have the way to go to the branch and I feel like I will be denied again if I submit my ID AGAIN and the bank will see my race and gender .. and I think this is discrimation and wrong and I'm so upset and I feel like if this was a XXXX person then he will be appoved right away .. the rep was rude to me and gave me a hard time and refuse to remove the inquiry
Product: Debt collection

I was mailed a judgement this weekend. The judgement was for a credit card I shared with my ex husband over 10 years ago. He agreed to pay this debt in our divorce. I have not received any collection notificAtions or a summons to court in regards to this matter. I was simply served a judgement. The account is so old it does n't even show on my credit report so I can obtain the date the card was closed. It is far beyond the statute of collections as per the California site I looked into. I am not sure how they can enter a judgement without my presence or notification on a debt so old I ca n't even get information regarding it 's validity. For all I know my ex husband paid it years ago.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I attempted to sell an item om XXXX XXXX and the buyer requested to use XXXX. Since ive used it in the past i agreed. 
the buyer was supposed to deposit XXXX via XXXX. I received a notice, from what now appears to be a false XXXX email stating the funds were on hold because i didnt have a " business '' account and the claimed they had to charge the buyer another XXXX the y then said that I had to reimburse the buyer and then thay would reimburse my account XXXX. Like a sucker I did. after an hour i recieved another notice that the XXXX customer service inadvertently charged the buyer another XXXX which like an XXXX i reimbursed the buyer. As you can guess i never received my funds and am out XXXX. 
I contacted PNC Banking and the basically told me so sorry, so sad, cant help you. 
I explained to them it was their platform that was being used to perpetuate this crime but they dont seem to care. 
I contacted XXXX and they confirmed it was a scam as they dont send emails. 
Another scam they are attempting on XXXX is the XXXX XXXX scam. Ive had 3 entities try to get my info that way.
Product: Debt collection

My credit profile has been significantly impacted by a case of identity theft. Certain accounts were opened without my knowledge or permission by someone close to me, whose identity I prefer not to disclose. This has had a negative effect on my credit score, and I am extremely concerned about the implications of this situation. I have reported this case to the Federal Trade Commission ( FTC ) and they have assigned a report number to this identity theft case : XXXX. I am enclosing a copy of the FTC identity theft report for your reference. The unauthorized accounts listed below have caused me significant financial distress : XXXXXXXX XXXX XXXX XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX on my Credit report as if they were still relevant but they were included in my bankruptcy And had the chance to dispute the bankruptcy back in 2015 but did not, I have disputed this creditor a good bit of times, I have sent letters to XXXX and XXXX with proof but nothing has changed.y bankruptcy lawyer admin XXXX XXXX at XXXX XXXX XXXX bankruptcy lawyers also tried to get it done for me with the paperwork they have. I have researched XXXX in their claims with other Consumers and this is an ongoing thing with them. This account I had with them should not be showing collections under XXXX, it should be showing closed and paid or paid through bankruptcy. This is a huge problem and I dont believe that experian is ignoring everything I am sending them regarding this. This needs to be investigated, me thing o try to do is keep my Credit clear especially right now since o am trying to buy a house. With my own responsibilities and just trying to make it, I shouldnt have to deal with this so much. But I wont stop here until XXXX corrects their injustice actions and not only To me but others. Thank you
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. 

Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I review my credit report and look was account, i call the aprtament buildibng they claim was under another person not my, and they cant reach the manager who handle that issues.I mailed 2 letter to the collections agency never answer or mail any proof of the contract.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : ONLINE INFORMATION SERVICE Account number : XXXX
Product: Mortgage

This complaint I'm wanting to file is about our mortgage company, Rushmore Loan Management Services. Our home was damaged in XXXX of 2020 and we had problems with our insurance company paying out for our damages. We had to hire a PA to work on our behalf. The process took almost 2 years. We sent all checks received to our mortgage company. We sent in our estimate from the contractor we hired to do the repairs. Our mortgage company sent us a check for {$40000.00} to get started on the repairs. After the repairs were completed we sent in the paperwork they required to get the remaining funds to pay off the contractor. We sent in what they asked for. They ordered an inspection and that was done virtual. The inspector said repairs were 99 % complete. After we completed the 1 % of repairs needed they sent out another inspector, this was done live. After they received the inspectors report they started saying that we needed an updated insurance estimate before they could send out the remaining funds. We have called our File owner XXXX multiple times and it has always been a different excuse every time. He takes weeks before he ever returns our calls and then he said we have enough money in damage funds to pay off our mortgage. I told him that we are not interested in paying off our mortgage because we have no problem paying our mortgage. We are just trying to get the funds owed to pay the contractors. Our home was insured with XXXX and the company has been liquidated after the hurricanes Laura and Delta so they no longer exist but he keeps insisting that we get an updated insurance adjusters estimate when that is not possible. It has been over 5 months now that we have been having problems with them releasing our funds. We keep getting excuse after excuse. I really believe that our File owner XXXX has no knowledge of his job at all.
Product: Credit reporting or other personal consumer reports

Fraudulent Account : Ichecked my credit report and found this unknown company XXXX XXXX listing my account in collections. 

I am not aware of this company, and they have reported my name in Collections.
Product: Payday loan, title loan, or personal loan

I contacted affirm on XX/XX/XXXX XXXX around XXXX cst due to my refund issued 4 days ago from XXXX not being processed. 

I notice this company does not update refunds promptly, as I had to click in the app to contest a previous refund. 

Along with this, the app ( and I have screenshot ) is showing I have a balance of XXXX as of today from XXXX. The person I spoke to on the phone said I had XXXX loans outstanding in the amount of ~ {$4500.00}. 

As a consumer, I need to see how much I owe! This is not acceptable that there is such a large descrepency in what I'm seeing on the website/app and what the phone clerk are saying. Please hold them payment processors accountable.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Freedom mortgage took on my mortgage in XXXX of 2020. I have through the life of the loan and several servicers made payment on the XXXX of each month. 

Yet now for the month of XXXX I have received four calls asking when I intend to make payment. I tell them one, whenever I make the payment and two, I've always made payment on the XXXX. 

This is harrassment. I have never received calls before when I go into my grace period which is every single month. I also received several calls regarding a refinance which I had to tell the loan officer I wasn't one, interested and two eligible. So both situations would have answered their own question if they looked at my history on the account. 

I spoke with XXXX and his supervisor XXXX on XX/XX/XXXX and was told thet have to call every month because it's their guidlines. Then how come I've never received these harassment calls before? What's changed? He said it is a requirement from the financer XXXX XXXX. Secondly he said everyone who does not pay by the first of the month gets put on these auto dial lists. I find it hard to believe suddenly all of their customers are being harrassed to let them know when payment is coming each month if they take advantage of the grace period. 

I was told if I continue to pay on the XXXX of each month I will always receive this call. Or many calls if I do not give them a date. This is harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing an alleged account from XXXX XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX  XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX florida. i just want it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute certain entries reported on my credit file. The information provided is inaccurate, and I believe that it constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which pertains to the duties of consumer reporting agencies, users of credit reports, and furnishers of information to credit reporting agencies. 

On XX/XX/year>, I identified discrepancies in my credit report, specifically concerning an account, balance, or payment history. I believe these inaccuracies are the result of negligence and noncompliance with the guidelines set forth in the FCRA. 

Under Section 1681 of the FCRA, all parties involved in the credit reporting process are required to ensure that the information they report is accurate and up-to-date. As such, I request that you review this matter immediately, investigate the details of the dispute, and correct the erroneous information.

If you are unable to validate the disputed information, I request that you remove it from my credit file. In addition, please provide me with written confirmation of the changes once they are made.

I am aware that under Section 1681 of the FCRA, if a consumer reporting agency or information furnisher fails to comply with its obligations, they can be held liable for negligence, and I am prepared to take appropriate action should this dispute not be resolved in a timely and accurate manner.

Please send me an updated copy of my credit report reflecting the necessary corrections as soon as possible. I look forward to your prompt attention to this matter and expect a resolution within the timeframe outlined by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This started as soon as I ran my credit report. Showing a collection agency for I C SYSTEMS COLLECTIONS XXXX XXXX XXXX. XXXX XXXX, MN XXXX. On XXXX XXXX I reach out the company with the information found on my credit report. Per representative unable to locate account using my name, address and SS #, So I sent a dispute via XXXX. The dispute came back " account confirmed and accurate " Then I was able to locate the actual cable/internet company which sent this to collections. XXXX. Per XXXX they see the account was was cancel by me due to I was moving out of state. On XXXX 2019 equipment was returned in person via XXXX customer service center located in XXXX PA. I have the documentation from the cable/internet company.
Product: Credit card or prepaid card

I have a XXXX debit card through XXXX XXXX. Apparently the card is serviced by BNY Mellon Bank. While I was in XXXX, the card was used in XXXX MN to charge {$89.00} at XXXX XXXX  on XX/XX/XXXX. Just a few hours later, which was XX/XX/XXXX in XXXX, I used the card to withdraw {$350.00} at an ATM. It was impossible for me to be in both places making such a transaction. BNY Mellon denied the claim, saying it was a valid charge at XXXX XXXX. XXXX was no help, just referring me back to BNY Mellon.
Product: Checking or savings account

Capital One failed to post my direct deposit on Wednesday. I received email after XXXX on Thursday that there was an issue on their end, with no resolution as of Friday morning of holiday weekend.
Product: Debt collection

We have a mortgage loan through Newrez and they did not pay our insurance through our escrow. They caused our insurance to cancel. We contacted the insurance company and they fixed it and made it where we didn't have a laps in coverage. Newrez is forcing us to pay {$210.00} for their insurance. We had coverage until XX/XX/2024, but Newrez is saying we didn't. I have all the proof and even sent them the proof from the insurance. They have stated there's no proof of coverage and are still trying to force us to XXXX it. It was only {$60.00}, but now it's went up to {$210.00} in a month. Now, we got a statement showing they have XXXX  paid our taxes. The taxes were suppose to be on XX/XX/2024. Here it is XXXX and they have not paid the taxes yet.
Product: Credit reporting or other personal consumer reports

I have made several attempts to dispute inaccurate accounts on my credit report with both XXXX and Equifax, including sending multiple letters outlining my concerns. Despite these efforts, neither credit bureau or creditor has provided me with any meaningful information or verification regarding the disputes I raised. 

It appears that both XXXX and Equifax have processed my disputes using an automated system called e-OSCAR, which scans the letters without providing a thorough investigation or verification of the disputed information. This is not sufficient under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to receive clear verification of how they determined the accuracy of the disputed items. 

To date, no adequate response has been provided to explain how the credit bureaus verified the information on my report. I am requesting that they fully comply with my legal rights and conduct a proper investigation into the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to cancel my membership for over a week now. It says on XX/XX/18 my card will be charged {$21.00} and there's no way to delete my card information. For one, that is super shady, and two I want my card information off of their website. Their spam advertisement on XXXX conned me into thinking that I was only going to be charged a dollar and now it looks like I can't delete my card information and am going to be charged a monthly rate of {$21.00}. I want to cancel my membership and delete my card information off of their website immediately. I have tried calling multiple numbers listed on their website and NO CUSTOMER SERVICE REP will get on the phone. I haven't been able to reach ANYONE at ANY time every day I call. This is pathetic and unprofessional.

I WANT MY CARD INFORMATION AND ACCOUNT DELETE IMMEDIATELY.

Thank you.

XXXX XXXX