23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received a {$500.00} Amex gift card from my company. I was able to use in-store and the remainder I wanted to use online. I have tried multiple times at four different online sites to use and it has been declined every time. After doing online research I have learned this is a problem that many people have. I have learned that some people have even had them declined in-store. These cards are not able to be used the way they are advertised. I would like to use this card online as the card states I can. The specific product I want can only be purchased online at a specific store. I am very frustrated with this experience and would like full use of this card.
Product: Debt collection

The XXXX Hospital didn't use my insurance or tell me I had over {$7000.00} due in hospital bills from a trip I took around XXXX. 
Here are a list of collections that they have submitted : 1. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount :  {$3600.00} ; Date : XX/XX/XXXX 2. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$2100.00} ; Date : XX/XX/XXXX 3. Current Creditor : Transworld Systems ; Original Creditor : XXXX XXXX Hospital Amount : {$2300.00} Date : XX/XX/XXXX 4. Current Creditor : XXXX XXXX ; Original Creditor : XXXX XXXX XXXX Amount : {$2100.00} Date : XX/XX/XXXX ( I have never heard of the original creditor ) I went to the hospital when I got a XXXX around this time and I supplied them with my XXXX insurance. The only contact I had was an agent who called me and told me I had a balance of {$50.00}, which I paid that day. I disputed all but the XXXX XXXX XXXX because I just noticed it and I have no idea what that even is. 

They never gave me the opportunity to discuss what the charges were or to tell me why they didn't charge anything to my insurance. Also, I don't know why there are three separate charges from XXXX XXXX Hospital. 

This has destroyed my credit and made my life very difficult in getting loans and getting a home. I have had a very hard time trying to repair my credit due to these claims. 

They should contact customers and make sure that they charge to insurance. They also shouldn't tell you that your balance is paid off and then sent a large amount to collections which they can't explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXX XXXX {$1200.00} There are no contracts, no valid claims ... account was settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute complaint through XXXX, XXXX and Equifax Credit Bureaus about information being report on my file, and what the Credit Bureaus keep sending back over and over is that they verified the information and XXXX XXXX verified the account is mine. I am not disputing that the account is mine, what I am disputing is the balance that XXXX XXXX XXXX keeps reporting as being mine, it is not mine, and they are reporting it as being delinquent which has and still is affecting my credit score tremendously. I did not sign a contract with them for a credit card, the card that was sent to me by them did not have an Annual Fee, 2 months after I paid my account in full XX/XX/2022 they sent me an email saying that my account was delinquent, when I called them to find out, what that was all about, they kept transferring me around from one Customer Service Representative after another and no one could tell me why I owed a fee. I have sent Statements of this account showing the account paid in full since XX/XX/2022 to all 3 Credit Bureaus. XXXX XXXX XXXX  sent me a credit card through the mail that I did not apply for, I used the card and I paid the balance in full, there was no Annual Fee for this card. I asked them to send me a copy of a contract that I signed agreeing to pay an Annual Fee and they have not because there is not one. This is what I am disputing, the balance not that the account was mine. I have also asked them to close the account and they are refusing to do so and keep charging that account monthly and reporting it as being delinquent, I have explained this to the Bureaus and they continue reporting it on my Credit. I have worked really hard to build my credit, I have not had any late payments and because of this situation with XXXX XXXX XXXX  my credit score has gone from the XXXX 's to the XXXX 's.
Product: Credit reporting or other personal consumer reports

This morning, I was completely shocked to see inaccurate accounts suddenly showing up on my credit report. I have no idea how this happened, and it left me feeling very unsettled. I check my credit report regularly, and today, out of the blue, there were discrepancies Ive never seen before. I even refreshed my browser, thinking it might be a glitch, but nothing changed. The inaccurate accounts were still there. I am really upset about this and would like the documents I've submitted to be reviewed thoroughly, so I can finally stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a call from a " XXXX XXXX '' calling on behalf of the county process server 's office in the XXXX XXXX area. Telling me I must contact the attorney in charge " XXXX XXXX '' at XXXX. Failure to do so will result in me getting a failure to appear in court. When I called the number, I was put on hold a few times, then spoke to " XXXX ''. She informed this is to collect on a debt from Providian. I never recall having an account with Providian. She was did now the last four of my SSN an accounts I do currently have as well as an old pace of employment. But needed to give her my current mailing address. ( I did not ) She told me the interest alone has brought this to over {$30000.00} but are willing to take a one time payment for {$3300.00}, then later told me I could do four payments of {$500.00} totaling {$200.00}. She did clam the last activity on this account was in 2018. Again I do not every recall having an account with Providian. Doing so would clear this dept. Failure to do so will result in a lawsuit for the full ( over {$30000.00} ). Also that her client can take me to court without my knowledge. I did not promise to pay any amount.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

On XX/XX/XXXX PennyMac loan services purchased my 30-day old mortgage from XXXX XXXX that originated on XX/XX/XXXX. The original loan with XXXX XXXX came with all of the supporting documents including a Flood Certificate (Standard Flood Hazard Determination Form SFHDF, FEMA Form XXXX) indicating the insured property was in Flood Zone-X and NOT in a Special Flood Hazard Area.The day after PennyMac purchased my loan from XXXX, XX/XX/XXXX, they sent me a letter claiming that "they received a change in the Federal Emergency Management Agency (FEMA) map for my property" and that because of the “FEMA Map change”, my property was now in the Special Flood Hazard Area Flood Zone-A. As such they claimed that Flood Insurance was required immediately. PennyMac provided no proof of a FEMA map change and instead insisted on Flood Insurance coverage for the property which they claimed was now in a high-risk Flood Zone-A because of the map change. The letter claimed that they would force lender-placed flood insurance on my property if I did not provide Flood Insurance or a FEMA Letter of Map Amendment (LOMA) within 45 days.There were numerous calls to PennyMac during XX/XX/XXXX and XX/XX/XXXX (XX/XX/XXXX) asking for proof of a FEMA map change. The official FEMA website states that the map for my property (XXXX) was effective on XX/XX/XXXX and there have been no revisions since XX/XX/XXXX. PennyMac was never able to offer any proof of a FEMA map change for my property-because it does not exist. The XX/XX/XXXX PennyMac letter was pure fraud as the FEMA map had not been changed since XX/XX/XXXX.  The lender forced flood insurance is very expensive and PennyMac offered no remedies other than providing a LOMA statement from FEMA. The LOMA process at FEMA is long, expensive, and complicated. I had to hire a surveyor and it cost me $XXXX for an elevation survey and supporting documents to obtain the LOMA. The LOMA was received from FEMA on XX/XX/XXXX, but PennyMac has refused to fully refund the $XXXX premium on flood insurance they forced in XX/XX/XXXX. The remaining flood insurance premium yet to be refunded is $XXXX.What is even worse, I was never billed for the forced flood insurance, instead PennyMac re-directed additional monthly principal loan payments I made to an escrow account they created which was not part of the original note terms. Further, they have changed/increased my monthly loan payment amount to cover future flood insurance premiums even though the flood insurance was cancelled on XX/XX/XXXX will never be needed. While I have made at least thirty calls to PennyMac over the last five months, my last call was to their corporate headquarters in an effort to remedy this issue. In XX/XX/XXXX I spoke to Ms. XXXX XXXX (XXXX X-XXXX) in their “Escalations Department” who claimed to be able to help but she never called back and has failed to return my numerous voicemail messages.
Product: Vehicle loan or lease

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm XXXX I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Had a credit card with Citibank XX/XX/2013. Citibank sent my account to collections agency and while still allowing me to make payments on the card. Never sent updated payment information over to the collections and reported I owed late fees and high interest rates. I obtained bank statements provided by Citibank to the collections agency that do not my payments and never received refund of my payments. Contacted Citibank and a representative was unable to assist. Citibank bank unnecessarily closed my accounts, failed to report my payments, and reported unnecessary fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX, and the three major credit bureaus XXXX XXXX Equifax, XXXX  XXXX with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Product: Checking or savings account

I have an XXXX account with Optum Bank, which was offered through my employer. I separated from my employer late XXXX and had upcoming medical procedures to be completed, so I needed the funds. I called Optum to cancel the XXXX investment portion in mutual funds and spoke with their representative. The rep said she put the order in and their back office would work on it over the next week. I waited a week and nothing happened, so I called back. The next representative said that I had to liquidate the mutual funds myself online and walked me through the process. The funds were liquidated and transferred back to my XXXX account after another week of waiting. Then, the funds were automatically transferred back to the mutual funds, invested, and Optum Bank charged me fees. The prior representative never informed me that the funds would be transferred back, nor advised if I needed to do anything further regarding the auto transfer process. I was clear with Optum that I needed the funds for a medical procedure and that I no longer wanted the investment account. Yet their system still transferred the funds back, churning my money so they can charge fees. This is an extremely deceitful and deceptive practice. I am requesting that all fees be refunded and my assets be fully restored to their original balance as of the time of my original request.
Product: Student loan

There is an error in my payment counts for PSLF. There is a time period from XX/XX/XXXX to XX/XX/XXXX in which there is no payment information. I was a XXXX in a low-income elementary school at that time, making payments. I did attend XXXX school in XXXX. I have provided employment certification for this time to both my loan servicer and the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB Complaint # XXXX was SOLELY a complaint against XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote President Biden regarding XXXX XXXX XXXXL, and received and acknowledgment letter, that indicated my XXXX XXXX XXXX  was forwarded to the CFPB. XXXX XXXX XXXX targeted me, I have a discharged bankruptcy, they utilized SYSTEMIC RACISM and GERRYMANDERING to DECREASE my credit score. XXXX XXXX XXXX retaliated against me, because I complained about their credit distorting and manipulations. I paid XXXX XXXX XXXX  EARLY. Nevertheless, my credit score was reduced XXXX POINTS in XX/XX/XXXX. In addition, my XX/XX/XXXX payment was NEVER scored. Not to mention, XXXX XXXX XXXX DELETED my Trade line with all three credit bureaus WITHOUT REPORTING MY FINAL PAY OFF to all three credit bureaus. SURLY, this unscrupulous credit distorting is, RED LINING! Plus, I was charged a gap cancellation fee, AFTER being Forced to refinance. Therefore, the CFPB COMPLAINT # XXXX did NOT properly address FXXXX XXXX XXXX presidential congressional. 

CC : President Biden
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about unauthorized inquiries on my credit report and a letter stating that inquiries are a factual record of permissible reason, maybe not exactly what they stated. 
The point : The following inquiries are not tied to any accounts on my credit file and were associated with accounts under a young lady from XXXX, Miss. I was told to send a FTC report by fax which I did ands still they remain. The letter was faxed XX/XX/XXXX and was told it takes 5 business days! 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following inquiries as the ones above were not tied to any accounts that I have on my account and I did not give anyone permission to access my credit file from these companies. Two were solicitations for a mortgage for a home which I just purchased and I declined their offer. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following inquiry was unauthorized by me and there is no account associated with this inquiry. The date are incorrect as well since I did have an account with them in XXXX. 

XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX XXXX Collection {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Collection {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection {$800.00} XXXX XXXX Collection {$800.00} XXXX XXXX XXXX XXXXXXXX Collection {$320.00} XXXX XXXX XXXX Collection {$110.00} XXXX  XXXX Collection {$180.00} XXXX XXXX XXXX Charge-off {$780.00} XXXX  XXXX XXXX {$270.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Charge-off {$710.00} XXXX  XXXX XXXX {$140.00} XXXX XXXX Charge-off {$110.00} XXXX XXXXXXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX  | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX  XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXXXXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX XXXX XX/XX/XXXX N/A Inquiry {$0.00} XXXXXXXX XXXX XXXX XXXX  Inquiry {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to get a Home Mortgage and during the process my loan officer reached out to me and advised they were able to get my credit report on XXXX  and XXXX  but unable to obtain the information from Equifax. I have reached out to Equifax  since Monday, XX/XX/XXXX and have had the worst experience in my life. I was told from the first call that they could not access my information that I would need to fax or mail my drivers license and social security card which I did immediately. I then contacted my loan officer back and he advised me to call Equifax back and ask for a temporary lift so loan officer can process my paperwork. Well we are now at Thursday, XX/XX/XXXX and I have called Equifax 10 times and was hung up on 4 different occasions with no acknowledgement from the company that they were terminating the call. I also asked to  speak with a Supervisor of which representative XXXX agent ID XXXX refused. I asked for the Supervisors name and agent ID and she advised Supervisor would not give me that information. EQUIFAX is now impacting me on having a place to live as I have to move out of the place I am currently living at. They have told me many different stories depending on whom you speak with. One representative tells you 24 hours to process request and now I am being told 7-10 days.  How can they impact a consumer like this and say what they just about want to? How can I trust this company who is in control of my credit history and my ability to obtain a loan?