23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I purchased a {$200.00} Vanilla gift card to gift it to my cousin. 
When he went to the store to buy an item with it, he was informed that the balance on the card was XXXX. Someone had already stolen the money from the card. I contacted the Vanilla gift card and advised them of the theft. 
I was told that they would investigate it. I waited 5 months and I did not hear from them. I contacted them again and was told that the case was closed and they could not refund my money. I kept asking them why my case was denied, and all they would say was that they could not refund the money based on the evidence. They did not tell me the evidence and kept repeating the same thing. I know that I am not the only one that was scammed. 
this company should be accountable and either stop offering these cards or devise a secure way for the customers to spend the card. 
This is the ticket number they gave me for the complaint XXXX
Product: Debt collection

I am not indebted to Cain & Weiner Company, nor XXXX XXXX. The policy that had with the alleged company I canceled after 10 years. I immediately purchased another insurance policy with another company, which I currently still have. I DO NOT OWE {$130.00}. I disputed this with them and they are still sending letters, and appearing as a negitive on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Could you please take everything off of there that is past 7 years. Hoping to improve my credit score.
Product: Credit reporting or other personal consumer reports

after paying off the amount owned on the card i was moving to another house, the company charge me, interest on debt that been paid in full .and seems i didn't received mail they report 30 days late .its there responsibility to get new address fix on there computer system, becouse i did reported them my new address in advance
Product: Debt collection

On XX/XX/XXXX receive an statement from Seventh Avenue on a newly open credit the I have not applied - inmidiatly contact them to let them know- the were going to investigate- on XX/XX/XXXX receive a letter from Seventh Avenue responding to my call- but every month since then an monthly statement arrive to my home- now Im start receiving calls and text to collect the money they said was expend with them - today is XX/XX/XXXX and I dont know what to do so this wont stain my credit record - please advice
Product: Debt collection

I received a 80 % settlement offer through email on XX/XX/2024 and accepted the offer of two payments of XXXX on XX/XX/XXXX which included {$370.00} and XX/XX/2024 for XXXX for a total of {$750.00}. The money is still in process In their system and they are reporting that I have not been paying and causing a negative impact on my credit and life.
Product: Credit card or prepaid card

On XX/XX/2020 I reported a dispute. 
Dispute claim # : XXXX XXXX : XXXX I got XXXX on XX/XX/2020 from XXXX. 
On XXXX XXXX I got a letter saying they concluded there was an error and they have issued a credit to my card on XXXX XXXX in the amount t of XXXX. Credits are considered permanent and any applicable fees reversed. That deposit was never deposited. I called in they tell me call back in 3 days. Nothing. I do so every 3 days. Finally XX/XX/2020 they escalate it to find out why the money was not deposited but was reported deposited. Still nothing. I call in noone will help me they say there is no dispute department and no update. I can not get any help.
Product: Credit reporting or other personal consumer reports

Experian is falsely stating this information on my credit report and have yet to remove it from my credit report. 
I contacted the court, and their response is enclosed. ( See atttached letter ) It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA XXXX ( XXXX XXXX. XXXX ) ( XXXX XXXX to privacy ), and the information must be deleted immediately. 
I contacted the court, and their response is enclosed. ( See attached letter ) It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA XXXX ( XXXX XXXX. XXXX ) ( Permissable Purpose ), and the information must be deleted immediately. 
I would like for you to have them take this unvalidateable information off of my credit report. Your prompt attention to this matter is requested in order to comply with federal law.
Product: Mortgage

I began the process to remove my monthly MI by contacting my servicer, Mr. Cooper, in XX/XX/XXXX. Mr. Cooper lacked communication throughout the process and often had long periods of absolutely no contact whatsoever. Mr. Cooper customer service agents gave me conflicting information every time I called, though one of the agents finally informed me that I was able to order my own appraisal since their appraiser grossly undervalued my home, which was attested to numerous professionals in the real estate industry. After I received and submitted my own appraisal report on, Mr. Cooper replied on XX/XX/XXXX that they received my appraisal but now my value does not meet XXXX XXXX 's 75 % LTV requirement since my loan seasoned for 2 years on XX/XX/XXXX. At no time did Mr. Cooper say that I had a timeframe to work within, and communication prior to their denial on XX/XX/XXXX they informed me that my value need to come in at $ XXXX. A final call to Mr. Cooper on XX/XX/XXXX resulted in XXXX in the Mr. Cooper escalation department admitting that Mr. Cooper did not provide proper information in an appropriate time frame but they could not do anything without an exception from XXXX XXXX. 

I spoke with XXXX XXXX today, XX/XX/XXXX, and was belittled by a woman who refused to escalate my case and, after arguing with me rather than even attempting to assist me, HUNG UP on me! 

This is not right. Even though I was not aware of the timeframe until after the fact, I still had 5 months to have the MI removal to process. There is no reason why this process should have now taken 6 MONTHS only to end in a denial because my loan hit the 2 year mark.
Product: Debt collection

XXXX XXXX 
Greetings to whom it may concern ; I write this giving Notice the company am reporting is making false claims as per18 USC 914, 31 U.S.C.A sec 3729 False claims : ( A ) any person who knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval 3rd, as per 18 USC 8- All debts are Obligation of the United States , and I have not engaged in rebellion or insurrection against same. I owe no debt to anyone, as per the Laws of Solon, HJR 192, the Holy Bible- Redemption, Treaty of Peace and Friendship. The application as per 12 U.S.C.A 412, 12 U.S.C.A 95, provides no debt on my part. 
The people for the company PRESSLER, FELT & WARHAW, LLP, ATTORNEY AT LAW, are escheating from my estate XXXX every two ( 2 ) weeks, totaling XXXX to date, to collect an unlawful debt, not owed in violation ( s ) of the Fair Debt Collections Practices Act, The Fair Credit Reporting Act, and state and federal Consumer Laws. 
They have no contract with me, nor I with them, or the unlicensed venue, administered unjustly got an unlawful judgement from- Trustee malfeasance. 
A call placed to the XXXX XXXX XXXX XXXX XXXX XXXX provided no Debt on record with the United States, and several states. 
As per the Constitution- I have unalienable rights- No lien can be placed against me. 
They have dishonored the application I applied for my own credit.

They are engaging in debt peonage and involuntary servitude.

Civil Rights Violations as per the XXXX  Civil Rights Act, incl. section 4, the Civil Rights Act, nickname the Indian Rights Act of XXXX, sections 245, 701, and 817 under the Fair Housing Act.

Case number : XXXX administered at XXXX XXXX XXXX XXXX XXXX XXXX 

I write this as the truth, the whole truth and nothing but the truth for the record. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Today I just so happened to look over my credit and I noticed multiple FCRA violations but specifically these erroneous late payments. You all must have your files mixed up because the information isnt correct. Are you all checking behind these debt collectors like you are supposed to or are you just reporting whatever? Please erase these erroneous late payments immediately! 

XXXX XXXXXXXX XXXX Was NOT late on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Product: Checking or savings account

A so called loan company ( XXXX ) contacted me and went in my account and reverse payment on old bill. They did that, to make it look like the loan was in there, they called back the next day and ask me to wire the money after I started to pay bills with it
Product: Credit reporting, credit repair services, or other personal consumer reports

this debt is over 9 years old and is listed as closed on XXXX and XXXX  the dates are changed and has been removed from all 3 reporting agencies at least 3 times over the last 6 years
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and instead falsely accusing me of using an unauthorized third party to submit my requests. Despite multiple attempts to resolve inaccuracies on my credit report, Experian has not taken appropriate action. 
On several occasions, I mailed dispute letters to Experian, disputing inaccurate accounts and ensuring my identity was properly verified by including the following documents : A copy of my government-issued ID A recent bill showing my current address The first dispute letter was mailed on XX/XX/year>, via XXXX XXXX mail ( tracking number XXXX ). I received a response on XX/XX/year>. The second dispute letter, dated XX/XX/year>, resulted in a response via email on XX/XX/year>. In both responses, Experian stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This claim is unfounded and unacceptable, as all my communications were sent directly by me with complete and accurate information. In a final attempt, I sent a third dispute letter on XX/XX/year>, including all necessary documentation. However, I received no response or investigation results from Experian. 
Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of disputed information in a consumers file. Experians repeated failure to investigate my disputes and the baseless accusation of unauthorized third-party involvement constitute clear violations of my consumer rights. 
I am including the following evidence to support my complaint : Copies of my original dispute letters sent to Experian XXXX response letters dated XX/XX/year>, and XX/XX/year> Due to Experians failure to investigate and respond within the legally required timeframe, I demand the immediate deletion of all disputed items from my credit report, including the bankruptcy. Experians non-compliance with federal regulations has unfairly impacted my credit report and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent Equifax Security Breach, I checked to see if I may have been impacted and yes, I may have. I put a 90 day fraud alert on my account to keep it somewhat protected from newly credit applications under my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is a third party vendor who is reporting inaccurate information to credit bureau I demand that you stop reporting inaccurate information on my credit report you have 30 days if this issue is not resolved I am going to file small claims case because this company is in violation of the FCRA. I have contacted the courts and I have a signed document Im not going to provide until it is time to go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, has 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 a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a mortgage account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

Recently checked my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inequities that I've found : 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. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Payday loan, title loan, or personal loan

I took out a loan through RSVP Loans & am having problems paying the {$300.00} every other week payment. There are NOW contacting my family members, which I called them & told them they could not do. The gentleman on the phone said " they can do whatever they want to try & collect the money from me ''. They think they can intimidate me but I know if I ask them not to contact me family or myself, they have to cease communications.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax XXXX and XXXX XXXX. I requested that they investigate three errors on my credit report. Over the weekend, I received responses from the bureaus, stating that I did not properly verify my address and social security number. They said I would have to re-submit documents to them in order to get them to actually conduct investigations. 

I am attaching a copy of the letter I sent to them on XX/XX/XXXX. As you can see, I attached a copy of my social security card, as well as two utility bills that display my current mailing address. This is the same documents that they are requesting in their responses, so I believe their requests are unfounded.
Product: Credit reporting or other personal consumer reports

OLIPHANT USA LLC., is in violation of multiple laws set forth by Congress in regards to the following account # XXXX ( ie : XXXX XXXX ). Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( OLIPHANT USA LLC. ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 to substantiate my claims. Further, OLIPHANT USA LLC. must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In OLIPHANT USA LLC. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX XXXX XXXX are not affiliates of OLIPHANT USA LLC. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX, Experian and XXXX by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the windows AC unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over 103 in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent XXXX XXXX pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to XXXX XXXX and XXXX XXXX sent me a letter and XX/XX/XXXX stating that the information was valid so I called XXXX XXXX XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from XXXX XXXX told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I pulled my credit report and realized there are multiple errors being reported on my credit report. These errors are reasons why my applications for credit are denied. Equifax & XXXX XXXX XXXX  are reporting I have a balance owed of {$510.00}. This account was paid off, yet it still shows a balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights XXXX of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX