23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I canceled my vehicles warrantee and had XXXX of XXXX send the refund check to Stellantis Financial Services. This check was sent on XX/XX/year> for an amount of {$3300.00}. After about a month of my principal balance not being applied from the check, I called Stellantis to see what the issue was. Nobody from Stellantis was able to locate the check ever since and this is the reason for my complaint. I could have had my car refinanced two months ago but due to this issue I have not been able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX submitted two disputes on my behalf to correct two late payments ana the crake bureaus have not updated my report yet. I have submitted several disputes and the information has not been updated. There is are late payments for XXXX and XX/XX/2019. This information is inaccurate I have told them that ana so has XXXX XXXX. I do not know what to do and why this information is not updated. When I submit disputes the creditor does not even investigate. XXXX told me that they have not received anything from these three credit bureaus regarding my account. So they are just ignoring my requests.
Product: Credit card

Subject : Formal Complaint Regarding Amex Error and Request for Fair Compensation To Whom It May Concern, I am writing to express my severe dissatisfaction with American Expresss handling of a technical error that has led to unauthorized charges, card restrictions, and significant emotional and financial distress, severely impacting my professional and personal life. On XX/XX/year>, XXXX payments were withdrawn from my accountone that I made intentionally and another that occurred due to a technical error on Amexs end. I am now facing hardship due to this error, which has caused a cascade of issues. 

When I reached out to customer service, I was assured that the second charge would fall off as it was a technical glitch. However, on XX/XX/year>, my cards were unexpectedly declined. Upon contacting customer service on XX/XX/year>, I was informed that my cards were restricted due to a returned paymenta direct consequence of Amexs error, not my actions. 

Throughout this ordeal, I received conflicting information from various customer service representatives, none of whom offered a consistent or helpful resolution. I was compelled to make an additional {$100.00} payment from another account to lift the restrictions, only to be told afterward that a refund would only be considered if the payment was made from a specific checking accountinformation that was never initially disclosed. Furthermore, I was informed of another reattempted charge on XX/XX/XXXX that could not be canceled by Amex, leaving me to deal with my bank and incur additional costs. 

This entire situation has been extraordinarily distressing. I was unable to concentrate on my work, found myself overwhelmed with frustration, and was brought to tears by the lack of support from Amex. The emotional toll, combined with the financial strain, has been immense. 

Given the profound impact on my well-being and professional responsibilities, I am seeking substantial and fair compensation from American Express to address the emotional and financial hardship this ordeal has caused me. The extent of the distress and disruption warrants a considerable settlement, reflecting the severity of the error and its consequences. 

I urge Amex to take this matter seriously and provide an appropriate resolution, including a full refund of the {$100.00} paid due to this error and immediate action to prevent any further unauthorized transactions. 

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

I had a HORRIBLE experience with Experian customer service this morning. It's been 40 days since they received my dispute on XX/XX/XXXX ( I have attached proof of tracking AGAIN ). Their investigation has taken over 30 days and they have not removed the unverified items. Instead of removing, they want to start an entirely new investigation. NO, just remove the unverified items! It's been 40 days an they have yet to verify ANYTHING.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's 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 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, XXXX 's actions XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed a bankruptcy public record on my account on 11 different occasions, most recently I even sent Transunion the following because A. If someone files bankruptcy in XXXX Indiana our Federal Court in in XXXX, NOT XXXX, I have never stepped foot into the XXXX Indiana Court, and secondly the addressed listed for so called bankruptcy is the the XXXX. The fact that is inaccurate is enough reason for it to be deleted in the first place, there is NO Federal court in XXXX, IN. 
INDIANA FEDERAL COURT-XXXX XXXX, IN XXXX XXXX This info is for the XXXX. XXXX XXXX XXXX , IN XXXX XXXX Another item is the XXXX , I do n't owe a balance and have repeatedly disputed and asked for PROOF of said debt to no avail with both transuion and XXXX, oddly this item was removed a few months back and put back on my report.
Product: Money transfer, virtual currency, or money service

A scammer, who identified himself as XXXX XXXX, responded to my XXXX XXXX ad in which I listed 2 tickets to a XXXX  concert for sale. He asked me to text him at ( XXXX ) XXXX, which I did. We discussed ticket price. He asked to use Zelle instead of XXXX or XXXX. He purported to send me {$440.00} for the tickets. I received an email that appeared to be from Zelle telling me that the {$440.00} was in escrow, and that to release the funds, the scammer had to send me {$140.00} and I had to refund him {$140.00} in 30 minutes. At first, the interaction did not go through - my bank, XXXX XXXX, XXXX, stopped it. I called the bank and the person with whom I spoke neglected to tell me that, in fact, the scammer had never sent any money to me through Zelle. The bank released the {$140.00} to the scammer ; unbeknownst to me the buyer had never actually Zelled me the {$440.00} for the tickets or the {$140.00}. 

I received another email telling me that the scammer had to send me another {$140.00}, presumably because I had taken more than XXXX minutes to refund the first {$140.00}. I again had XXXX minutes to refund the second {$140.00}. I received a fake notification from Zelle telling me the {$140.00} was waiting for me and again Zelled the scammer {$140.00}. 

I then received a third message, purportedly from Zelle. telling me I had to get the scammer to send me another {$100.00}, which I had to refund immediately. As before, I received a message that the {$100.00} was waiting. I tried to send the scammer the {$100.00} back, but bank stopped the transaction. I called the bank and finally learned that Id been scammed out of {$280.00}. The bank is pursuing a fraud claim with Zelle on my behalf.
Product: Debt collection

Company stated the information they obtained was verified and accurate. Asked company for original documentation with my signature.
Product: Prepaid card

Vanilla card # XXXX XXXX XXXX XXXX purchased for {$40.00} was fraudulently used by someone else.
Product: Debt collection

As per your lengthy response you noted in your letter that you filed a law suit signed on XX/XX/XXXX two months before the the statutes of limitations ran out on a ladt ditch effort to collect a debt you purchase from a charge off accout from XXXX correct? I would like to see the full purchase agreement, how much you paid for purchasing this debt, chain of title, the original creditors signed contract, and complete debt validation for this debt. I am a XXXX XXXX of a XXXX veteran husband with no income of my own since XXXX. As per you letter you are still trying to collect on a debt that i never received a 1099c for furthermore you trying to collect what I don't have is a waste of time and effort on your part. I have no intentions to pay this debt due to my financial hardship and lack of income. I understand that the judgment is only enforceable for five years and it seems to be padt that at this time so I again would like to request all the documents with your debt purchase to include exact amounts paid for my debt because 8f you purchased the debt from XXXX XXXX XXXX. You own the debt not me also I never authorized or signed any agreement with you are XXXX to sell my information to all third-party collection agency. If you can not provide the requested information in writing please cease and desist all collections and reporting activities as this is a violation of FDCPA regulations due to the age of this debt also you have had this debt in your office since XXXX and now 7 years later trying to send me a settlement letter why did you wait 7 years? Also again old debt. I also want to add I own nothing of value nor do I have any savings. There is simply nothing to collect or gain by you pursuing this matter further other than spitefully and intensionally violating my consumer credit rights to reflect negativitly on all credit reporting agencies to deny me credit or to try to scare me with legal action that was taken years ago. This is violating my rights and I trust you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for XXXX XXXX, XXXX, Equifax and XXXX  to provide How they verified the Bankruptcy reporting on my credit profiles. I have a letter from the BANKRUPTCY COURT saying they DO NOT verify this information with the credit reporting agencies. XXXX, Equifax and XXXX  claims to have received this information from XXXX. However, using a 3rd party to verify ( i.e XXXX XXXX, is a VIOLATION of the FCRA. The credit bureaus, or required to verify this information themselves. Furthermore this account is reporting inaccurate on all three bureaus. XXXX  and XXXX  is listing the open date as XX/XX/2015 and Equifax is reporting XX/XX/2015, There is no way this account was opened on two different days. XXXX  is reporting the reference number as XXXX. XXXX  is reporting XXXX and Equifax is reporting XXXX This is an inconsistency. If this information is coming from the same furnisher then why is it so vastly different. XXXX  is reporting the court name U.S. Bankruptcy Court. XXXX  is reporting US BKPT CT MS XXXX and Equifax is reporting Federal. This is an inconsistency. IF this information is coming from the same furnisher then why is it so vastly different. They have failed to verify this account because even after my initial investigation they still reporting inaccurate and inconsistent information ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX credit card account was included on Schedule F of a discharged chapter XXXX bankruptcy in XX/XX/XXXX and there is no balance owed. Also, this account closed in XX/XX/XXXX. I have opened a complaint with XXXX  and have disputed this account twice. ( XX/XX/XXXX and XX/XX/XXXX ) The creditor is aware of the bankruptcy and updated the information in XXXX however, every other year the come back and update my file as if the account closed within the past 30 days, claim Im 120 days past due, and state that I owe XXXX. Experian refuses to remove it although Ive furnished documentation. They say the company says its accurate.
Product: Student loan

I applied for the XXXX plan in XX/XX/XXXX via the federal website. In XX/XX/XXXX I called Aid Advantage to determine when it would be approved. I was then told I needed to pay {$5.00} dollars to have my account changed from the Income Based Repayment Plan to the XXXX plan. I did that then. I was not informed that I could be placed on admin forbearance and that the processing would take 30 days. I was placed on a self-selected forbearance ( with impact to my credit score ). I called back on XX/XX/XXXX to find out what was going on with my approval for the XXXX plan. At that time I was told I needed to provide additional information. I did so on the phone and was placed on an admin forbearance. I was told my application would be processed in 60 days. 

I called back today ( XX/XX/XXXX ) and was informed my application for the XXXX plan had been lost. Though the person I spoke to said, " There is no record of your application. '' This person informed me that she could " self-certify '' another application and that it would take another 60 days to be processed ( while interest accrues ). I asked why there was no record of my previous applications and she could not give me a clear answer. I then spoke to the manager, XXXX XXXX, who also could not give me a clear answer about what happened to my two previous applications as well as the supposed " self-certify '' in XXXX. He said I was now in the application process for the XXXX  plan and in administrative forbearance for the duration of the next 60 days. He also assured me I would be sent a letter with a record of our conversation as well as confirmation of the admin forbearance and XXXX  application via the self-certify. 

I don't think this level of lack of clear information is just incompetence. I think this is an intentional policy of Aid Advantage to get loan consumers to accrue interest while they delay the processing of XXXX applications. Currently, there is a note on my Aid Advantage account on the website that says my forbearance will end in 10 days despite the fact the supposed due date for my upcoming full pay ( as the XXXX application is still not processed ) is XX/XX/XXXX. XXXX could not explain why this is the case. Supposedly, I will get an email confirmation of my current XXXX application via the self-certification, though I doubt I will because I never got one before and I have XXXX confidence in Aid Advantage. 

How is this legal? I am sure many student loan borrowers are experiencing these intentional delays from XXXX XXXX in order to accrue interest. 

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

Today XX/XX/XXXX I was looking at a copy of my credit report and I noticed that there were a few inquiries that were not made by me. Those inquiries do not belong to me and I never allowed those companies to run or access my credit file or personal information. The inquires that were not made by me are the following. XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX & XXXX XX/XX/XXXX. These unauthorized inquiries need to be removed from my credit report ; I have also filed a police report.
Product: Credit card or prepaid card

Discover et al is failing to post payments made on the account weeks after they have posted cleared on my bank account. They are systematically doing so in order to charge additional fees. And Discover et al is falsely reporting derogatory information on my credit report as a result of their accounting practices. I contacted them regarding this problem and they removed the fee, but when I checked my account a few days later, they still had not posted the payment made nearly a month ago nor the one that was made in the past 2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX  on XX/XX/2022 that they are furnishing information to all three consumer reporting agencies that I have given them no written instruction to do so. By furnishing this information to the consumer reporting agencies XXXX XXXX is violation my right to privacy as a consumer. I have the right as a consumer to opt out of any information being reported to the consumer agencies and XXXX XXXX never provided the disclosure informing me of that information nor did they give me the opportunity to opt out before disclosing this information to a nonaffiliated third party. Below I will provide the law!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit card

i opened an Apple credit card on XX/XX/2023. During the time frame of XXXX XXXX i purchased XXXX XXXX XXXX XXXX, and XXXX XXXX screen protectors using the Apple credit card. the Purchase of the XXXX XXXX earned {$100.00} in cash back. The cash back was transferred to the Apple Cash feature that can only be accessed through the icloud account linked to the Apple credit card. As a result of the 3 iphone purchases over 3 day period my icloud ( that has my apple credit card and apple cash rewards linked to ) was flagged for suspicious activity and the icloud account became inactive locking access to the rewards and apple credit card. As a result of this i decided to return all the devices and close the credit card since i no longer have access to the account through the icloud. After i successfully returned all the items. i contacted apple credit card to verify my accounint balance and the apple card representative informed me that i had a balance of {$100.00} that they payed out to Apple cash in cash back rewards. So i contacted apple cash support and i was told by the representative that this is a behind the seen issue and that they have no way to access the account and return the reward funds leaving me with a debt of {$100.00}. in the end i opened a apple card, made a purchase, returned everything and still have a balance on the Apple card. For a XXXX dollar corporation to treat their customers like this is a complete joke. All i wanted to do was take advantage of financing for XXXX phones using the Apple card for me, my wife and my daughter. Its not just the {$100.00}. its also the countless hours i have been bounced around from department after department with the same results that no one can help and only a person from behind the scenes can help and no one is able to talk with them. the night of sleep i lost and all the gas and miles i put on my vehicle picking up and then returning everything. Apple is by far the worse customer support i have ever dealt with. i hope this message will help open the eyes of others and that they dont experience what me and my family went through.
Product: Debt collection

I have a bad collection acct showing on my credit file that does not belong to me. I tried disputing in but the acct was not taken off
Product: Debt collection

Currently, I've been receiving calls from NewRez to collect a debt. My problem began with Ditech. According to NewRez, payments of around {$1600.00} to Ditech were sent to escrow and not toward my mortgage payments. Ditech went bankrupt and I've received numerous calls from NewRez/Shellpoint for payments. I was told that this happened around XXXX-XXXX. Because of this, I've been behind in payments. In the latest phone call, I was told by NewRez that there was nothing that they could do. I'm the one who, however, is caught in the middle and it appears that I can not recover those payments that I made to Ditech. I still make payments every month, but that doesn't successfully stop the calls. I've shared with NewRez that I get paid once a month so I could only pay them after I get paid.
Product: Credit reporting or other personal consumer reports

I am deeply unsettled and disappointed to discover inaccurate accounts on my credit report today. I always check my credit report, but this time there were discrepancies that werent there before. Even after refreshing my browser, the incorrect accounts were still visible. I urgently need the documents Ive sent to be thoroughly reviewed so that I can have peace of mind.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you