23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The following is a letter sent to the credit card company in question. It summarizes our dilemma in attempting to resolve our problem. Even after several attempts to sever any ties with this company and to make it clear that we do not wish to possess their product they continue to send us billing notices. My wife and I are senior citizens ( XXXX & XXXX yrs ) and frankly are not as adept at dealing with such issues as perhaps we should be. We need your assistance to resolve this problem and will be greatly appreciative for any help you can provide. 



XXXX XXXX XXXX XXXX, HI XXXX Frontier Airlines Master Card XXXX, CA XXXX Dear Sir/Madam, Roughly two months ago my wife and I had the opportunity to fly from XXXX to XXXX via Frontier Airlines. During this flight we were given printed material encouraging us to obtain Frontier Airlines Master Cards. We filled out a questionnaire handout expecting to receive more information and to be able make a final formal card-in-hand activation commitment via telephone or Internet connection. 

Your company sent us a billing notice before we received your credit cards or additional information. This seemed unusual. I called your office to say that we decided not to become Frontier Airlines Master Card customers and directed that no cards be sent to us. Shortly thereafter unactivated Master Cards arrived in the mail. We took no action to activate the cards and destroyed them. Again, we were notified that we were being charged an annual fee for the cards in question. I immediately called your company and firmly stated that we had no intention of becoming Frontier Airlines Master Card customers, that we had not formally activated the cards in question, no charges had been incurred with the card, the cards had been destroyed and that we wished to be removed from any connection with the cards. I was assured that the matter would be corrected. 

We have received two mores notice that we are being charged a fee for the cards in question - even though we had never formally activated the cards, no charges had been incurred, and your assurances the issue had been resolved. As per past exchanges : ( 1 ) The cards in question have never been formally activated. ( 2 ) The cards were physically destroyed. ( 3 ) No charges have ever been made to the cards in question. ( 4 ) We have never claimed or received bonus points for the use of the cards in question or any other form of awards. 

My wife and I are senior citizens ( XXXX & XXXX yrs old ). We are retired and live a very modest lifestyle. This issue has caused us considerable stress. We have always paid legitimate bills and maintain a positive credit rating. We have attempted to positively resolve this issue, but it seems that your company insists that we pay for a service we have never used and benefits we have never received. I again respectfully request that all charges related to the cards in question be removed without negatively affecting our credit rating. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In early XXXX, I scheduled a chase payment for the minimum due on the due date A few weeks after scheduling this payment, I enrolled in their auto-pay for subsequent payments for peace of mind. They withdrew a payment on XXXX occasions, on XX/XX/2024 and on XX/XX/2024. I contacted them upon noticing and was told I would be refunded but to call back on XX/XX/XXXX because there was a hold on my account and he couldn't process the refund then. I called on XX/XX/XXXX and was told the refund would be processed and would be returned back to my account in XXXX business days. After noticing the deposit hasn't yet landed in my bank account, I contacted Chase today. After being bounced around a few departments, I was told that I was misled and that I would NOT be refunded. Not only was my time wasted by XXXX different specialists who assured me that I would be refunded but the supervisor today was nothing short of pedantic and patronizing. They claim calls are recorded so if in doubt, they can replay those calls to confirm I was assured by their specialists that those funds would be refunded.
Product: Credit card or prepaid card

When I received my credit report. I was blown away when I say late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to formally dispute several unauthorized and fraudulent inquiries listed on my consumer report. These inquiries, detailed below, are having a significant negative impact on my credit profile : INQUIRIES : XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX I did not authorize any of these companies to access my consumer report. This not only constitutes a violation of my privacy, but it also indicates non-compliance with the Fair Credit Reporting Act ( FCRA ) on the part of your company. 

I request that you validate and verify these inquiries by providing documentation, specifically a contract with my signature, that authorizes these inquiries. If you can not provide this documentation within 30 days, I demand that these inquiries be removed from my report immediately. Failure to do so will result in your continued non-compliance with the FCRA. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX : XXXX Without prejudice, All Natural Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

2 years ago I signed up with XXXX XXXX to start working on my credit. After signing up I noticed unusual transactions or debts listed on my XXXX report. 
1 ) A collection agency on behalf of XXXX in the amount of XXXX. I disputed and XXXX removed the collection. 3 mths after, the collection agency sold the debt to another collection agency named XXXX XXXX XXXX. The debt was added back to my credit report for XXXX I have tried disputing again and XXXX says the information is accurate. Their wrong, I have used XXXX for my service provider for internet, cable, and mobile and I'm still a loyal customer to this day. I should not have anything in collections because if I did then they would not provide me with services until the bills were paid. Shortly after my last dispute XXXX contacted me to warn me that someone my be trying to use my name for service but the address doesn't match my current address. The collection agency refuses to remove this from my credit. And it's now showing on XXXX and equifax. 

2 ) XXXX has also refused to remove a company name XXXX that popped up a few months ago under XXXX XXXX XXXX. I contacted this company and they were very Adamant that the charges were mine for some tires. I advised them that I didn't own a vehicle at that present moment and asked them to provide supporting documents. I have yet to hear from them. XXXX has stated the the account is accurate. It's not my account. This account also displays on equifax and XXXX. 
Last but not least 3 ) XXXX also sided with a collection agency named XXXX XXXX XXXX for XXXX. I was court ordered to have a XXXX installed into my car to obtain my license again. The company XXXX ended up costing me a huge tow yard fee for storage and tow because they locked the XXXX for non payment. I had just picked up my daughter from school and we stopped for a XXXX. She was XXXX at that time. While in the store XXXX shut done my car and refused to unlock it until I paid. Since the car was of course parked right in front of the store XXXX had it towed it cost me almost XXXX when I found it and XXXX is charging me for the equipment cost@XXXX. Not only did I return to XXXX to have this device removed but the sameday they charged my account XXXX. So they are trying to double dip.
Product: Mortgage

I purchased a home in XXXX of this year ( 2021 ). My first payment was due in XXXX and I paid my mortgage on time to the servicer which was GuaranteedRate. I later received a letter from XXXX XXXX  XXXX indicating that they acquired my loan and that, begging XX/XX/XXXX, I was required to send my payments to them and to forgo any payments to Guaranteed Rate. I contacted XXXX XXXX XXXX to confirm that they had acquired the loan ( as I had not received a letter from GuaranteedRate indicating that the loan had been sold ) and XXXX confirmed that the information that was provided in the letter was accurate and that I should pay them beginning XX/XX/2021. I therefore, paid XXXX via automatic payments for my XXXX mortgage. Since then, Guaranteed Rate sent me a letter indicating that I am delinquent on my XXXX payment and that they have no record of my loan being transferred. XXXX XXXX  XXXX is indicating that this is in error and that they absolutely acquired my loan. Ive attempted to resolve the issue and have been in contact with both mortgage providers but each of them continually give me instructions to communicate to the other provider. I feel that the consumer ( myself ), should not be the delegate between two separate mortgage companies about a transaction that they initiated without my involvement. Both companies XXXX XXXX & GuaranteedRate ) are informing me to make my XXXX payments to them and Guaranteed Rate continually indicates that I am overdue ( despite the fact that XXXX already applied my XXXX payment to the outstanding mortgage balance ). In summary, I need help determining who is the proper owner of my mortgage. I will make the payments without issue as long as I know who to make the payments to. However, as it stands, Guaranteed rate has called me repeatedly to collect payment and my credit score has dropped by XXXX points which I believe is due to the fact that both companies are showing an outstanding balance in the same amount. 

I previously filed this complaint against XXXX XXXX XXXX but since I am still receiving multiple calls from Guaranteed Rate and the fact that my credit score has been negatively impaired I reached out to the CFPB today and they recommended that I file this secondary complaint against Guaranteed rate directly. Both complaints will remain open until this issue is resolved. 


I am seeking assistance in getting the two companies to correspond so that this matter can be cleared up. Thank you in advance for your help.
Product: Debt collection

They constantly threaten with law suits and legal actions. I explained my situation after the divorce, XXXX  The debt was accrued because of the affect of XXXX times, reduction of hours at work. I can't agree with the percentage of % XXXX.
Product: Debt collection

I am writing to formally lodge a complaint against Phoenix financial services regarding multiple violations of consumer protection laws in their handling of a medical debt. The specific violations are as follows : Violation of Validation Law : Despite numerous requests, Phoenix financial services has failed to provide sufficient validation or verification of the alleged medical debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). They have neither provided documentation proving the debt is valid nor explained the basis of their claim.

Denial of Dispute Rights : I have not been afforded the opportunity to dispute the debt with Phoenix financial services as required by law. The FDCPA grants consumers the right to dispute the validity of a debt within 30 days of receiving notice, yet I have received no such notice or response to my requests for verification. 

Violation of Consumer Rights : Phoenix financial services has violated my rights under the FDCPA by failing to communicate effectively, ignoring my requests for information, and continuing to pursue collection efforts without proper validation or authorization. 

Misrepresentation : The agency has misrepresented the status and validity of the debt in question, which is a direct violation of the FDCPA. They have failed to provide clear and accurate information regarding the debt 's origin, amount, and validity despite repeated requests. 

Unlicensed Status : According to the XXXX website, Phoenix financial services is not licensed to operate as a debt collector in our state. This lack of licensure raises serious concerns about their legal authority to collect debts and their compliance with state regulations. 

Unauthorized Reporting to Credit Agencies : Phoenix financial services has reported the alleged debt to consumer reporting agencies without proper authorization or validation. This action has unfairly impacted my credit standing and violated my rights under the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action against Phoenix financial services. These actions have caused undue stress, financial harm, and have infringed upon my rights as a consumer. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax Credit Information Services several times this year 2022 and most recently on XX/XX/2022 to inquire about Equifax not reporting my secured credit card and secured loan with XXXX XXXX XXXX in XXXX, TX. XXXX on XXXX XXXX XXXX. These accounts have been opened since XX/XX/2022. And Equifax refused to report these accounts on my credit report. The last Confirmation number I was given by a representative at Equifax is XXXX, and XXXX. I have mailed copies of the statements of these accounts to Equifax and have called and Equifax continues to not report my pay history and the existence of these accounts on my Credit Bureau report. Equifax is intentionally not reporting these two secured accounts on my credit report. In which is inadvertently affecting my credit score. The secured master card has a limit of {$300.00} and the secured loan has a limit of {$500.00}.
Product: Debt collection

Some use my identity at Wells Fargo bank i lost ID and got a police to show for it
Product: Credit reporting or other personal consumer reports

CFPB, I MAIL EQUIFAX A LETTER ON XX/XX/year> TO REINVESTIGATE XXXX XXXX XXXX. AND I HAVEN'T GOTTEN ANY RESPONSE FROM THERE COMPANY. XXXX MAKES IT 46 DAYS. THAT XXXX XXXX XXXX ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a name change and I tried to contact Commenity bank to inform of my name change. They would not take my information but only wanted to take a payment. I have tried to login, however, they have locked me out and are making go through obstacles to do anything. They will not even provide me the correct name of their bank. I asked if it is Commenity XXXX or just XXXX. They are not honest about how much I owe for the month with a payment. I have informed them I am an unemployed totally XXXX disable Veteran with XXXX, XXXX XXXXXXXX XXXX fluctuations of XXXX levels, XXXX, XXXX XXXX XXXX XXXX, and XXXX. I am not asking the same amount of money anymore and the bracket that was purchased on the account is for my soon to be ex-wife who is out with other men and women and will not give the bracelet back or pay on the account. All this is aggravating my XXXX symptoms. The other companies have done the same and keep me on hold until the phone call disconnects on their end and I have start over again trying to update information & pay a bill. I feel as i am discriminated against, treated unfair without dignity.
Product: Debt collection

On XX/XX/XXXX, I was contacted by XXXX XXXX from XXXX in regards to an American Express debt that was charged off in XXXX. Her company is called XXXX XXXX and she said a lawyer from XXXX XXXX is going to call me very soon. The lawyer called me from a blocked number ( first red flag ). He wouldn't tell me his name. I told him I can only settle a debt if I am provided with a letter that defines the actual account number that this debt refers to, otherwise there is no way to prove what account was settled. I can guarantee 100 % that I have never had an account of the numbers he provided. He got upset and told me he is going to lie to a judge that he has tried numerous times to settle this debt with me and here this is the first time I've ever spoke with him or XXXX. He says a payment of {$36.00} was made on the account in XXXX. I never made a payment on such an account after XXXX, he is either lying or a previous collector paid to keep it alive because the Statute of Limitations was running out. They plan to win a judgement by default. They won't tell me the court date or try to serve me. They have never sent me a letter and XXXX keeps saying she doesn't have to provide me any information and Liens of my auto, home and finances are in the works now. I'm supposed to pay these people who can't authenticate their ownership of a debt of mine and they are behaving like fraudulent collectors who might pull off a judges order to ruin me. 4 other companies have recently called to try to settle this same account with me and they threatened judgments that they never carried out and they all called each other fraudulent when I told them about each other and they all present the incorrect account number.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX  XX/XX/2023, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023
Product: Student loan

I was unemployed for roughly 18 months ( XXXX XXXX - XXXX ) and was told my only options were forbearance or default. Deferment was never mentioned or offered.
Product: Credit reporting or other personal consumer reports

I WANT TO EMPHASIZE THAT EXPERIAN DELIBERATELY FAILS TO ANSWER THE PHONE, IT DISCONNECTS, IT DOES EVERYTHING TO AVOID RESPONDING TO OUR COMPLAINTS OF THE MISTAKE THEY MAKE. I AM TIRED O F WAITING ON HOLD TO SPEAK TO SOMEONE AND AM TIRED AND DISGUSTED THAT THESE PEOPLE NEVER MAKE THEIR DROP DOWN CHOICES PERTINENT TO THE PROBLEM.

I TRIED CALLING THEM AS I AM FURIOUS. AND IT SEEMS THAT THESE XXXX  WILL PICK UP THE SAME SCREW UPS AS OTHER REPORTING AGENCIES ESPECIALLY XXXX AND USE IT AS AN EXCUSE TO DROP MY SCORE BY MANY POINTS THERE IS XXXX XXXX XXXX XXXX XXXX INQUIRY ON MY CREDIT REPORT FOR A CAR LOAN. TWO CREDIT UNIONS WERE APPROACHED, BUT IT WAS THE XXXX XXXX XXXX XXXX XXXX XXXX LOAN. THE SAME XXXX LOAN TO SEE WHICH COULD HAVE A BETTER RAT XXXX. 
THIS LAW ESPECIALLY IN FLORIDA AS YOU KNOW WAS CHANGED A WHILE AGO, THAT IF YOU HAVE AN INQUIRY ON THE SAME ITEM, A CAR LOAN AND ONLY XXXX ENTITIES MAKE THE INQUIRY ( AS XXXX IS SHOPPING AROUND FOR XXXX XXXX XXXX XXXX CAR LOAN IT IS ONLY COUNTED AS XXXX INQUIRY,. 

YES THESE XXXX HAVE XXXX INQUIRES -- XXXX FROM XXXX XXXX XXXX WHICH I WENT WITH AND ANOTHER FROM XXXX XXXX XXXX, WHICH I DID NOT EVEN PERSUE THE LOAN WITH THEM AS THEY WERE DOING THINGS THAT WERE NOT LEGAL, EXAMPLE, ASKING ME FOR A COPY OF MY DRIVER LICENSE BY EMAIL. THAT IS NOT SAFE, AND I JUMPED EVERY HOOP AND DID NOT HEAR FROM THEM AND YET THIS WAS FOR A LOAN TO BUY THE SAME XXXX CAR THE SAME XXXX CAR AND THE SAME XXXX CAR AND THESE PEOPLE XXXX WELL KNOW THAT AND YET THY WANT TO COUNT IT AS XXXX HITS. 
I AM SICK AND TIRED OF EXPERIAN AND I WILL ALSO BE CONTACTING XXXX WHICH IS MUCH EASIER TO CONTACT. IF YOU CAN DO SO I APPRECIATE THAT AS WELL. 
THIS IS NOT NOT NOT NOT THE ONLY ISSUE : THIS STUPID PATHETIC DISGUSTING INEPT COMPANY THAT DOES NOT GIVE A XXXX XXXX XXXXXXXX ABOUT PEOPL HAS AN INACCURATE ADDRESS AND OF COURSE, YES YES YES I TRIES TO DISPUTE THAT AND SET THEM STRAIGHT, XXXX UT THESE XXXX  AS USUAL PROVIDE A PHONE NUMB ER TO CALL THEM BECAUSE THEY SAY YOU CAN NOT DISPUTE THIS ONLINE ( HOW CONVIENT TO XXXX WE THE PEOPLE OVER ) AND I AM SO TIRED OF THIS XXXX I CALLED TWICE TWICE AND GOT CUT OFF, THEY ALWAYS CUT THE CALL, THEY ALWAYS DISCONNECT BECAUSE THESE PEOPLE ARE LIARS, THIEVES AND DO NOT CARE WHAT IS ACCURATE OR NOT. 
PLEASE SEE A SCREEN SHOT I TOOK. I ONLY LIVED ON XXXX IN XXXX XXXX. I HAVE NO XXXX IDEA WHY THEY HAVE XXXX DIFFERENT ADDRESSES FOR ME ON XXXX XXXX, XXXX, XXXX XXXX. FOR THE LOVE OF XXXX, NOBODY COULD BE THAT XXXX STUPID, TO WANT TO KEEP INACCURTE INFO ON SOMEONE, MISLEAD AND OF COURSE, OF COURSE OF COURSE THEY END UP DROPPING MY SCORE AGAIN BY XXXX POINTS AND HAVE NO EXPLANATION FOR DOING THAT XXXX AGAIN.
Product: Mortgage

I want to reopen XXXX, COVID-19 virus, unexpected pandemic. I had to take care of my XXXX year old father. 
Chase Mortgage response included a document on " XXXX XXXX '', I dont have a clue who she is. Also, their response proces that they are committing Reverse Redlining, Chase is refused to send me my home deed. Just to get more money from me. 

They refussed to return my calls.. Knowing that I was divorced and they were in possession of my divorce XXXX and his quick claim deed to me, since XXXX. According to Chase, my ex-husband gave them appeal to extend my payments to XXXX, instead if putting the payments on the principal as my check clearly stated and so did my voice mail messages. My ex-husband says he told them her and I were divorced and he had nothing to do with my house. He offered to send them a copy of our divorced decree and the Quick claim deed, which they acknowledge they already had. 

XXXX XXXX XXXX ( XXXX ) XXXX
Product: Student loan

I called Navient on XXXX XXXX, 2016 and XXXX XXXX, 2016 ( 3 business days ) prior to a pre-authorized transfer ( XXXX/XXXX/16 ). I wanted to change the payment date and if not stop payment. I was told be a Navient supervisor that I need to stop payment 10 days prior. Regulation E, section 1005.10 under stop payment states that a customer has a right to stop payment 3 business days prior. The regulation does not require me to contact my bank and pay stop payment fees. The regulation allows me to be able to contact the financial institution submitting the transaction to cancel.