23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My problems are with the servicing company : A ) They never respond to my e mails B ) I can not log in to their portal to see my account activity and they don't help me C ) They hold in Escrow a high sum D ) they collect from me funds to cover Property taxes and Home insurance, but they never report to me what and when they made any payment and I may double pay E ) I tried calling them, it is an international call and I have to wait very long until a human voice actually answers, but they cant answer my questions anyway and nobody follows up to get my problems solved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

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 an 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 or 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 data is inaccurate.
Product: Credit card

I used Discover Credit Card ( {$1400.00} ) and several XXXX gift cards ( {$5000.00} ) to buy a product from XXXX and later returned. XXXX refunded all the money ( {$6500.00} ) to Discover on XXXX XXXX. And Now I have a total of credit balance {$7900.00} ( {$1400.00} from previous balance & {$6500.00} from this return ) on my Discover Credit Card. We have been asking Discover to mail us a check for the credit balance since XXXX XXXX. 
On XXXX XXXX, Discover opened a dispute on my account for the XXXX Return amount ( without informing us until I found out by myself on XXXX XXXX ). I uploaded the supporting file which is the online order payment summary screenshot, along with the XXXX refund policy, which states clearly that " If a credit card was used in combination with a Gift Card or XXXX Notes, the entire merchandise amount will be refunded to your credit card. " But Discover insisted that they have to contact XXXX and get a confirmation from them that the refund {$6500.00} is correct before they can send us a refund check for the credit balance of {$7900.00} on my account. 
In the Dispute Status, Discover said the investigation may take up to 30 days. However, when I contacted them on XXXX XXXX, they said 30 days is only for most cases. They said since they are still waiting for XXXX response so right now they are not sure when my refund can be processed. 
On XXXX XXXX I logged back into my account, I saw they changed the Date Updated for the Dispute Status from XXXX/XXXX/15 to XXXX/XXXX/15 but all the statement is the same and it seems they give themselves another 30 days to work on my case. 
All the Discover customer service reps we have contacted just stated that they can not guarantee when the dispute can be resolved. And they even refused to refund me the credit balance ( {$1400.00} ) which is not related to this investigation because they said the case is not closed so they can not refund me anything. We already spent more than 10 hours working on this with Discover. We called Discover XXXX number, live chat with their online customer service representative, sent email, contacted social media team XXXX and posted XXXX. None of this work.
Product: Checking or savings account

On XX/XX/XXXX I attempted to use my bank cardd and my card was declined. I had them to swipe the card again and it was declined again. I knew that I had money in this account because over the weekend I had to send money to myself from this account because I did not have my bank card. The bank failed to send my bank cards to me and they never verified my account until I end up calling them and they stated that they had dropped the ball that was on last Wednesday XX/XX/XXXX. 
So when I called on Monday XX/XX/XXXX I was then told that they took the money out of my accounts for an old debt old on a previous account. When I asked where was my notification that the money would come out of this account I was told that I got the disclosure for deposits. I informed her that the disclosure for deposits is not the same thing as a notice letting me know on the day that they plan to take the money on or around a particular date. I then asked why did I receive a check over the summer for money owed to me from the bank if I owed the bank? She then responded with well are n't you on this account? As if she was not able to provide me with the information that I was questioning. I stated that if I owed the bank there would be no need for them to have sent me a check for a {$150.00}. Even honor that check because I cashed it, in XX/XX/XXXX. And not only that, I had to contact the bank to verify my address and make sure that the Email that I had received from the bank was valid. So I did all these things without someone saying you still owe this money. Not only that but then I was allowed to open up two new accounts and put money into those accounts not knowing that I still owed for this old account. 
This is an act of bad faith. How do you allow someone to open up accounts, not notify them that they have an old account with a balance, and not notify them that you plan to take the money out? Last week XX/XX/XXXX when on the phone with a senior representative I was asking questions about why my account was never verified? Why no one never called me to tell me that the account was never verified? And why I ended up calling in to find this information out? Not only that but I never received cards for those accounts at that time. And then when I called in on last week I was told that I never ordered debit cards to go with these accounts. Which was an accurate because I actually did it on line. I feel as though USAA likes to just take money because they are a bank and they can do so. Because I had the same problem over 2 years ago and that is the reason why I stopped doing business with USAA. Because they took money out of my XXXX XXXX XXXX account without my permission and then I had to call in and request for them to pull the call from the representative that I have spoken to inform them not to take the money out of my XXXX XXXX XXXX account and I would make my own payments. This is bad business and this should not be happening. And I know I 'm not the only person that this is happening to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked that you investigate and remove the unauthorized inquiry on my credit report. 
Fifth Third Inquiry from XX/XX/2018 Bank Fifth Third Inquiry from XX/XX/2018 I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.
Product: Credit reporting

I purchased insurance with this company in XXXX 2013 and cancelled due to there were not able to cover my home insurance policy. At which time I submitted a letter of cancellation and paid a the final payment.
Product: Prepaid card

I am writing to file a formal complaint regarding a significant issue I am experiencing with my American Express digital gift card. Despite numerous attempts, I have been unable to use this card for any online or in-store purchases, encountering a consistent 'payment failed " error with various retailers. 

Details of the Issue : Gift Card Type : American Express Digital Gift Card Issue Encountered : Repeated 'payment failed " error for both online and in-store transactions. 
Attempts to Resolve : I have made multiple attempts at contacting Amex with no help Impact of Issue : This problem has rendered the gift card unusable, effectively locking the funds and denying me access to the financial value it represents. 

Through my research, I have found that this appears to be a recurring issue with American Express, where customers are unable to utilize their digital gift cards. There are indications online suggesting that this might be a systemic problem, with concerns raised over the holding of funds by American Express. Such issues hint at potential fraudulent or deceptive practices. 

Given the severity of this issue and its apparent prevalence among other consumers, I believe it warrants an investigation by the CFPB. The inability to use a gift card, which is essentially a prepaid service, not only causes financial inconvenience but also raises questions about the business practices involved. 

I am willing to provide further details or documentation if required. Your attention to this matter is highly appreciated, as it affects not only my financial interests but potentially those of many other consumers. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated violations of U.S.C. Title 15 1692 et seq by all person involved caused direct damages. We have in good faith given all individuals involved well over 12 months to comply with this lawful claim for damages. We have sent An AFFIDAVIT in good Faith which regarding this made-up debt on XX/XX/XXXX, as evidenced by USPS electronic delivery and have continued collection efforts in blatant violation of the FDCPA [ Mailing No. XXXX, XXXX, and XXXX ]. This criminal conduct has caused extraordinary damages to the health, personal life, credit score of XXXX XXXX, XXXX XXXX. The Attorney General has been sent a copy of this communication as the Attorney General 's Office must help with these ongoing illegal practices. These individuals ' unlawful actions include Defective products ; Car sales and financing ; Unlawful Auto repossession with XXXX XXXX ; Debt collection ; Making false, deceptive and misleading statements when attempting to collect a debt, collecting or attempting to collect any amount that is not expressly authorized by the agreement creating the debt or permitted by law, and falsely threatening that nonpayment of a debt will result in our false imprisonment or imprisonment. This information was previously sent to the Attorney General who chose to neglect this urgent matter, despite filing identical charges against XXXX XXXX on XX/XX/XXXX. This entity has been found guilty of all violations within this claim by the Massachusetts Attorney general in XXXX XXXX Please be advise that our consumer goods have been stolen without just compensation for XXXX XXXX and XXXX XXXX which XXXX XXXX XXXX  was given power authority originally over claim for damages. In good faith we will this agency of identity theft of personal identifying information which has a commercial value per agent per entity per usage at XXXX usd. XXXX XXXX XXXX  must compensate XXXX : XXXX on behalf of claimants. This is an emergency where the theft of the consumer good has caused direct inference with educational learning and enjoyment of life. Thank you in advance check can be sent to address within. 

c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts
Product: Credit reporting

EQUIFAX KEEP REPORTING THAT I OWE A BILL WITH XXXX BUT ON MANY ATTEMPTS I HAVE ASK THEM TO VALIDATE THERE ACCOUNT AN THEY HAVE HAVE FAIL TO. N NOW THEY HAVE PLACED THE ACCOUNT WITH COLLECTIONS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute with XXXX and Equifax and the report came in that the debt of XXXX XXXX XXXX  was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit and noticed a collection that can't be verified and that is not accurate this 1 negative item not being reported 100 % correct is messing up my otherwise good credit! this is against the law to report any info or fraudulent collection account that have-not been proven to be 100 % accurate especially since I notified you this collection is fraudulent! FCRA says that everything has to be 100 % accurate on my credit under 15 us code 1681e ( b ) and 15 use 1681i ( 5 ) this fraudulent on my credit aint reporting 100 % accurate so I demand it be deleted in the next 4 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

i askes XXXX  to verify that information on my credit report is reporting 100 correct. XXXX  fail to reply with in a timely matter
Product: Mortgage

I filed bankruptcy XXXX XXXX XXXX. Mortage from Wells Fargo was Discharged through Bankruptcy, per documents I have. 

Wells Fargo continued to send notices about collecting the mortgage payments, however, they refused to speak to me on the phone, citing the bankruptcy protection laws. Wells Fargo foreclosed on my home, XXXX XXXX XXXX, XXXX XXXX XXXX, NJ in XXXX. 

In addition to foreclosing on the property originally mortgaged ( XXXX XXXX XXXX, XXXX XXXX XXXX, NJ ) owned by myself only-Wells Fargo included a XXXX XXXX XXXX which listed 5 lots ( only one owned by me and not included in the original mortgage. And included my ex husband on the paperwork. 

I believe Wells Fargo illegally foreclosed on my home and other properties ( which had nothing to do with anything ). 

Wells Fargo refused to speak with me, but continued to harass me with notices and correspondence ignoring the bankrupty protection laws.
Product: Debt collection

Navy Federal Credit union has repeatedly garnished our bank accounts for a credit card we had while we were in the military. We had paid for insurance to pay off the debt if we were XXXX due to service, but they refused to honor it, and gave us the run around for 2 years to purposely cause the coverage to no longer apply. They have seized XXXX payments from the VA, which is illegal to do.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX - I signed up for XXXX XXXX card in anticipation for a trip my wife and I were planning on taking. The promotional material I received in the mail was that I would earn XXXX XXXX miles after spending {$4000.00} in first 4 months. I more than exceeded the {$4000.00} in four months but was only credited XXXX bonus miles. I called Citi costumer service and they said that I was never eligible for the XXXX points offer. I read for them word for word the hard copy letter I received in the mail and they indicated I had to send them the hard copy letter, which I did. I called them back after a week and they confirmed for me that indeed I was eligible for additional XXXX points. I said ... great, please credit me them so I can book our airline tickets as the prices / miles for the tickets I need to book have already increased due to their mistake. They simply told me they were unable to do so and the it would take up to 2 billing cycles for the additional credits to hit my account. In my opinion this is simply unacceptable and they are clearly responsible for any costs I incur due to increasing airfare considering it was their mistake and they admitted it was their mistake.
Product: Debt collection

someone opened the online account under my name in XX/XX/2018 now the account have balance of {$960.00} in XXXX XXXX XXXX XXXX XXXX. I contacted them and they don't want to admit it was their mistake opening the account without verifying my identity first
Product: Debt collection

XXXX XXXX and Roundtwo Recovery are reporting debt on the same account. The account was paid XXXX 2014 to XXXX XXXX. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including Roundtwo Recovery and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.
Product: Credit card

I found out that accounts were opened in my name without my permission. This happened because of a data breach. These accounts have late payments and balances that are hurting my credit. I asked the credit bureau to delete and block them under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), but they have not done so yet.
Product: Debt collection

XXXX keeps repeatedly calling me. It is a recorded message they leave on my machine saying it is an attempt to collect a debt, however I do n't owe anything. When i have tried to pick up to speak to them, there is never anyone there. The last calls were on XX/XX/XXXX at XXXX, and XXXX and XXXX XXXX and on XX/XX/XXXX at XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX got hacked and it says I applied for a credit card and I didnt I did a police report because my identity got stolen And theres also Victoria secret on my hard inquiries and I never applied it had one of them accounts
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/year> about the XXXX unrecognized hard inquires on my credit report and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Debt collection

This company contacted me illegally with my personal information stating that I owed them a debt, they did not provide written consent to contact me or furnish my private consumer information to consumer reporting agencies, they violated my rights, please do not contact me about debt that is not mine, I did not sign any contracts with this company for credit.
Product: Mortgage

company does not want to report- verification status or record of payment history to credit bureaus. Was told that they did not have to.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for XXXX second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
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 use 1681. 

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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres incorrect personal information on my credit report. Ive tried to resolve this issue by phone multiple times and the incorrect personal information still is reporting to my credit report.
Product: Credit card or prepaid card

I use a rewards app called XXXX, whose service provider needs access to my credit card transactions in order for me to get the rewards points for purchases made with my card. ( Capital One XXXX card. ) Capital One is no longer allowing me to give XXXX access to my transactions. I have a right to share my credit card data with this app and I would like Capital One to grant this access.