23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received XXXX American Express gift cards totalling in the amount of {$620.00}. XXXX cards each with {$200.00} and XXXX with {$25.00}. On XX/XX/2024 I tried using these cards at multiple retail establishments and over XXXX places online. When they were all declined I called the number on the back of the cards to make sure they still had balances on them, the all were still full. I checked on their website americanexpress.com/mygiftcard and that also confirmed the cards still had full balances. 
I then contacted American Express to find out where I could use the gift cards, they said I could use them at any place that accepted American Express, and even suggested places like XXXX, XXXX, and XXXX. They said I might have trouble using them at the gas pump. 
I then tried using them at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXXXXXX XXXX and XXXXXXXX XXXX online stores, when those did not work I attempted to use it at the grocery store XXXX in person, that too was declined. I can not find any place that will accept these cards. It appears to be an attempt to just keep the money. 
Attached are the notices I received after XXXX declined my payment using the gift cards as well as screen shots of the balances still on the cards. I tried using different cards to see if there was a problem with only XXXX of them.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My personal section is misleading and reporting false information.
Product: Bank account or service

I got a change of address notification in the mail that I did not authorize. It was the same address but a different date that they changed my mothers account without authorization! This account has been closed since XX/XX/2014 however I do have XXXX other accounts with fifth third!
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts suddenly appear on my credit report, and I honestly have no idea how or why this happened. I regularly check my credit report, and everything has always been fine until now. I even refreshed my browser, thinking maybe it was just a glitch, but the inaccurate accounts are still there. I dont understand where they came from or whats going on. Im begging you to carefully review the documents Ive sent because I dont want to feel this helpless and stressed ever again.
Product: Mortgage

Hello, I was trying to stop my forbearance program, and apply loan modification with my current lender Wells Fargo mortgage. But my lender didnt process my request for 2 months. Im very sad and desperate to get ignored because of Im a XXXX woman, with a weird XXXX name, and a poor English speaker. 

I contact them for more than 10 times, at the end, Wells Fargo mortgage asked the tricky questions and rejected my loan modification request. Im a single mother, I only get paid child support {$440.00} from childrens father every month. Im working two jobs to take care of my family and to save my house. 

Wells Fargo mortgage didnt support me, but bully me by delaying process my application, then reject my loan modification request. 

I feel that I didnt get treat fairly. Hope CFPB can help me to process my loan modification application. Thank you for reviewing my feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate personal information listed in my report was inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Updated : XX/XX/XXXX ; XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a digital copy of my credit report and saw there were accounts I did not approve or apply for listed on the report. I contacted all three credit bureaus to correct this issue and remove them but they have been negligent in my request XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX Account number xxxx Date opened XX/XX/XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. XXXX refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report XXXX XXXXr {$640.00} XXXX XXXX {$150.00} XXXX {$530.00} XXXX {$1200.00} XXXX {$270.00}
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Debt collection

I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. I sent a letter of verification and requested the original lender 's information, so I may investigate the debt said owed. I also requested proof AD Astra Recovery Services , Inc could legally collect in the state of TN. 

I requested this information on XXXX XXXX, XXXX by mail and did not receive a reply. 

On XXXX, XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not licensed to collect in the state of Tennessee. 


Please assist me in this matter
Product: Checking or savings account

On XX/XX/XXXX, I submitted two payments from my Citi account to my credit card companies. One was {$35.00}, the other was {$50.00}. According to both the mobile and desktop site, I had sufficient funds available for the transactions. 

However, while other transactions that were completed later were processed, both payments were returned for insufficient funds. I then tried to resubmit the payments on XX/XX/XXXX, and was told that those payments would be returned, as well. 

The representative told me that Citi presents payments in a hierarchy, which sounds incredibly problematic. Citi has no right to withhold my money to pick and choose to pay items as it sees fit. Citi also has no right to show a different account balance in real time than it shows historically. Citi must pay items in the order in which they are presented, and reflect the account balance accurately to the customer. 

The representative also advised me to use their bill pay system to avoid this situation in the future. The customer should not be forced to use a service they dont need in order to avoid Citis hierarchy. 

Citi consistently withholds funds to credit card issuers, which has resulted in higher interest rates and financial hardship for me. Information on Citis online and mobile platforms always conflict with information the representatives give by phone. This is dishonest business, and Citi needs to be held accountable.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, & XXXX XXXX XXXX continue to report an allege debt that does not belong to me. I previously disputed this information and it was verified but no evidence was given for me to inspect to verify that a reasonable investigation was done to determine that I have an obligation under federal law to pay this debt. I did not receive any notice of my rights to dispute this debt before it was added to my consumer report and transfer and assignment of an instrument does not XXXX you collection rights. If your policies and procedures override federal law provide me with the documents used to determine you do not have follow federal guidelines.
Product: Credit card or prepaid card

Summary : - The bank rejected the dispute on the products that I did not receive. 
- I gave the merchant the delivery instruction to place the package at the back door, but the merchant did not provide XXXX with this delivery instruction. Package was placed on the front door and thus the package was lost. 
- Amazon decided to refund to me, and sent money to the Synchrony bank that issues the Amazon store card. However, the bank refused to refund me, and the charge is remaining. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Details : I used Amazon store card to order a laptop in Amazon, from the third party merchant on XX/XX/XXXX. The laptop costed XXXX, and named " XXXX XXXX XXXX '' HD+ Touchscreen Laptop Computer_ XXXX XXXX XXXX XXXX XXXX XXXX up to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. My package was supposed to arrive at the back door of my address on XX/XX/XXXX, but I could not find the package. I received the proof of the delivery from XXXX : however, the delivery instruction was not included in this proof, and the package was " Left At : Front Door ''. The front door is facing on the big street and not safe. 

For the package loss is suspected, I have searched around my house and asked my neighbors, but I could not have located the package. I have contacted with the merchant for the 1st time on XX/XX/XXXX, and they suggested to contact XXXX as their response on XX/XX/XXXX. I called XXXX on XX/XX/XXXX, and XXXX asked me to provide the serial number for the product, so I asked the seller for the serial number on XX/XX/XXXX. After 1 week of XXXX inspection, XXXX customer support told me on the phone that they could not locate the package on XXXX. So I asked for the refund from the seller on XXXX, and got the response basically saying please contact XXXX first. on XXXX. I have contacted the Amazon Customer Support on XX/XX/XXXX and they promised that they will ask the seller to either refund or resend the product. Then I received the repetitive message again saying please contact XXXX first again on XX/XX/XXXX. 

I made a dispute to refund through the Amazon store card issued by Synchrony Bank on XX/XX/XXXX. Given this dispute, Amazon issued a refund and send money to the bank on XX/XX/XXXX. However, the bank did not refund me, and rejected my dispute claim on XX/XX/XXXX. 

I called Amazon customer support on XX/XX/XXXX, and they sent me the evidence that Amazon sent money to the issuing bank. I called Synchrony bank customer support on XXXX, saying they will reopen the dispute case. Then this new dispute was rejected again on XX/XX/XXXX. I did not receive the refund yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXXBalance : {$17000.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX*Balance : {$0.00}
Product: Credit card or prepaid card

I got a 2nd credit card from Home Depot as the pushed it in the store. Citbank issues the Home Depot cards. I called to make a payment on the card and was told there was a XXXX balance on the card. 

I make numerous purchases at home depot as a contractor. Anyway I finally did find out there had been a purchse of around {$57.00} on the card which I paid if full. However Citibank had added late charges and continued to add late charges each month in spite of the fact their customer service representative had stated there was a XXXX balance. Citibank today tried to bill me {$150.00} - all late fees. Their customer service representatives are not able to do much about it because of Citibank policies even though most of them said they would eliminate if they could. They have also done what they can to hurt my credit over this matter that was caused by their customer service not seeing a balance. 

Citibank management must be a very obnoxious rude group. I will stop using their card and suggest others do as well. Card ends in XXXX and was closed today. The card number on the attached is the still open card and not the one with the late charges. I never saw the card that has the late charges but was told by Citibank customer service it ends in XXXX. They were not allowed to say the whole number.
Product: Checking or savings account

This is why I am going public. To warn and protect others from having a supposed representative calling from US Bank fraud department. I had never used XXXX nor even realized it existed. I was completely clueless and very panicked when a ( representative ) of US Bank fraud department called and said XXXX had been taken out of my savings account and telling me the steps I need to take to get it back. Let me repeat that someone claiming to be from US Bank fraud department contacted me representing your company from a number that is actually your fraud line department telephone number. My savings is almost wiped out and my bank account has been frozen for weeks now because of this. If you think I am going to let this go you are very wrong. And people need to be made aware of the scam using your bank. XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX19 I attempted to transfer XXXX to my wife 's checking account in XXXX. XXXX 's website required entry of my Social Security number to continue. I entered this, and was denied the transfer. I spoke to customer service that day and was informed that my Social Security number was not accepted because they use it to check my credit and couldn't because I have a security freeze on my credit. I asked why the company did not notify me this was going to happen, and why they need access to my credit report when I have taken steps to certify my bank account with the company already. While on the phone - not providing any answer to these two questions - the representative looked at my checking account and confirmed I have sufficient funds for the transfer I requested. 

I was told the only way I could then transfer the amount I wished, was to fax a copy of my passport to XXXX. This I was not willing to do, so I asked what is the maximum amount I can transfer. I was told XXXX USD every 24 hours. On XXXX I transferred XXXX. The next day I attempted to transfer another XXXX and was denied by the website, with a message saying I was over the sending limit. Yet XXXX 's website states what the representative told me, that I can transfer up to XXXX every 24 hours without providing the additional personal information I do not want to share. 


This continued for several days, until onXX/XX/XXXX19, I was allowed to transfer another XXXX. It has now been another week, unable to transfer more money. On XXXX by email the company sent this message " As of XX/XX/2019, you may send as much as {$1600.00} to your recipient " when I inquired again why their advertised transfer limits are untruthful. 

We do not have another way of sending this money direct to the bank in XXXX. XXXX advertises transfer limits they do not honor.
Product: Credit reporting or other personal consumer reports

Dear Transunion, Upon reviewing my credit report, I have identified numerous inaccuracies and unauthorized entries on my profile. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), it is crucial to emphasize the rights afforded to consumers regarding privacy protection.

Section 602A of the Act explicitly outlines my right to privacy, underscoring the obligation for accuracy when furnishing consumer information to reporting agencies, as articulated in section 1681s-2 ( A ) ( 1 ). Additionally, section 604A, subsection 2, mandates that consumer reporting agencies can not disclose accounts without my explicit written consent.

The accounts detailed below have infringed upon my consumer rights, and I demand their immediate removal from my credit report : Account name XXXX  XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Consumer reporting agencies are entrusted with significant responsibilities, including the fair and impartial treatment of consumer data and a steadfast commitment to privacy protection. 

I request a revised copy of my credit report to ensure that my consumer right to privacy is upheld and maintained. It is imperative to verify that these unauthorized entries have been rectified, thereby restoring the integrity of my credit profile. 

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

XX/XX/2021 I certified mailed EQUIFAX an ID theft report affidavit with all the accounts I disputed, 2 forms of ID, and an utility statement. On XX/XX/2021 EQUIFAX received everything. On XX/XX/2021 I received a letter from EQUIFAX saying, For EQUIFAX to block information under Section 605B FCRA, you need to provide proof of your identity. I provided that from the beginning and according to 605B ( a ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Its past 4 days and shouldve been off my consumer report. On XX/XX/2021 EQUIFAX removed 2 collections account, however, on XX/XX/2021 the same 2 collections account were back on my consumer report. All alleged accounts say medical, which is 603 ( i ) of the Fair Credit Reporting Act, and should not be on my consumer report. Thats a violation of 15 U.S. Code 1681a ( d ) ( 3 ) also 603 ( d ) ( 2 ) ( 3 ) of FCRA. I never gave EQUIFAX my written consent to furnish anything on my consumer report so thats another violation pursuant to 604 ( a ) ( 2 ) permissible purposes of consumer reports.
Product: Credit reporting or other personal consumer reports

CHECKED MY CREDIT REPORT ON XX/XX/year> TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE BEING REPORTED LATE FOR SEVERAL YEARS. SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME/CAR/LOANS ETC. I ALSO FILED A FTC REPORT AND HEARD NOTHING BACK
Product: Debt collection

XXXX XXXX Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay but a notice to request validation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe. Be advised that I am not requesting a verification ; I am requesting a validation ; that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address On File of Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to the debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX
Product: Debt collection

I have called several times and had no answer. I have never heard of this company that's claiming I owe {$1300.00} I checked their reviews on XXXX and 100 's of people are saying the same thing I am. I don't owe them money and they are reporting to my credit anyway.
Product: Credit card

For the XXXX time, I have scheduled credit card payments for a Citibank Credit card and XXXX the institution have failed to process the payments resulting in over the limit fees, late payment fees and now they are charging me an arm and leg to bring the card back to within balance. I had paid this credit card religiously over the years and now all of the sudden they are treating me like a criminal and it 's affecting my credit.
Product: Credit card or prepaid card

Fraudulent charges for XXXX were repeatedly reported to Capital One and Capital one/Visa is still sending new card information to fraudulent account. 

After talking to the fraud representative Capital One expressed " we don't know '' why the charge is there.