23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XXXX XXXX, 2015 I was online trying to book some tickets XXXX. When I went to purchase the tickets and try to use my bluebird XXXX American express XXXX credit card number the transaction was declined. I then had to use another credit card to purchase the tickets. A few minutes later I went to pay something with my bluebird card and was denied again. I logged in my account and found that the transaction for the tickets XXXX was pending and taken out from my bluebird balance. I called American Express and they told me to call XXXX and that they would reverse the transaction. I then called XXXX and was told that they are not allowed to reverse transactions that bluebird had to put the money back in my account. After an hour of back and forth I was told by XXXX Employee No : XXXX ( manager from bluebird ) that they could not put my funds back in my account until XXXX working days, How could they hold my money for XXXX days for nothing that is my fault. Who is making the interest on these funds while they are in pending transactions. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}
Product: Checking or savings account

There is a fee on my savings account because the balance went lower than threshold. I contacted the company and they agreed to waive the fee because I fixed the issue however they told me I would be getting another fee and it since has continued to spiral because it keeps creating more fees even though I have tried to rectifying the situation. This is all because of the original fee. I have been a long time customer, always with an amazing relationship.
Product: Debt collection

On XX/XX/XXXX my husband and I received a letter from Pressler and Pressler in regards to a wage garnishment application that will be filed through Superior Court of New Jersey : Law Division XXXX Special Civil Part. It states that it is a debt from original creditor XXXX XXXX XXXX XXXX. We have no idea who that is. We checked both  of our credit reports and there is no debt attached to that name or any civil or lien judgement against us. I have only heard from Pressler and Pressler one other time, which was back in XX/XX/XXXX or XX/XX/XXXX, can not recall the exact year. They came to my place of employment with a paper stating either I pay them on the spot or I will be arrested. I seemed legal advice at that time and was told that, that was illegal and to disregard the threat. Now XX/XX/XXXX rolls around not even living in NJ anymore and we get this letter, with no debt amount just stating wage garnishment explanation and my husbands place of employment listed. We are unsure how they even retrieved this information. Any debt we may have had in NJ is definitely past statue of limitation. But again we do not know what this debt is or who the original creditor is. I have read many complaints against Pressler and Pressler who they also go by XXXX XXXX XXXX and XXXX ( something ). I have also found that either an associate or a partner works for the XXXX Special Civil court and that is how they are awarded these such judgements. We will do everything in our power to make sure this firm is stopped and this is the first step.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX AUTO Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX systemically refuse to investigate inaccurate information being placed on my credit file in error. When I attempt to dispute inaccurate information on my credit file I get the following statement " You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you canupload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us atXXXX contact the data furnisher of this information regarding your dispute. '' This is XXXX way of discouraging millions of Americans such as myself from disputing inaccurate information in their credit file. Furthermore XXXX representatives have refuse to produce and provide me with any evidence they contacted company and received any documents such as signed contracts etc that account in dispute actually belong to me. Only thing representative states is company was able to verify my name and social security number and or address. This is not valid or proper investigation. XXXX lack of investigation continues to effect me personally and damage my credit report month after month. I demand XXXX to reopen and conduct proper investigation producing evidence that account actually belong to me and that all information being reported is factual including balances and payment history
Product: Credit reporting, credit repair services, 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 USC 1681. 

XXXXXXXX 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 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 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 card or prepaid card

We made two payments on our Capital One Credit card to XXXX XXXX on X/X/17 for hotel reservations and membership to XXXX XXXX. XXXX XXXX never acknowledged or sent confirmation after we made several attempts to ask the merchant to give us the services we paid for. Within the 90-day period, we made a formal complaint to Capital One Credit card. Capital One began arbitration with XXXX XXXX. XXXX XXXX sent their documentation including a false document that stated we did get a reservation. Capital One also called XXXX XXXX on XXXX XXXX,2017. They asked XXXX XXXX had done what they said they would and XXXX XXXX send yes. Based on this, Capital One said the merchant did do as agreed upon. XXXX XXXX lied and denied that we had cancelled our contract. Attached is all of the e-mails, communication with both XXXX XXXX and Capital One. I also included the e-mail that shows we cancelled our contract with XXXX XXXX.
Product: Credit reporting, credit repair services, 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 USC 1681. 

XXXXXXXX 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 HAS violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. Section ( A ) ( 5 ) 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 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) states 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: Debt collection

To : BB & T I am sending you this notice to inform you that under my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting VALIDATION of the account.

Please note : I am not requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence

that I have a legal obligation to pay you. Please provide the following : 1. Detail of what the money you say I owe is for 2. How the amount you claim owed was calculated 3. Verify that the legal statute of limitations is still in effect 4. Copy of your agreement with the original creditor 5. Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) 6. Provided a copy of any judgment you have received, if applicable 7. Identify the original creditor 8. Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent 9. Please provide Name and addre
ss of original creditor.

10. Are you the original creditor or debt collector?

11. What the high balance of this account?

12. What date was this opened?

13. When was last payment made?

14. How much was last Payment?

15. What day of last activity?

16 What the date of 1st delinquency?

17. What charge off amount?

I am letting you know that what you is doing is wrong, and to please stop doing it.

1. Stop putting incorrectly information on my XXXX credit report. ( under the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 ) 2. Stop used false representations and deceptive or misleading representations or means to collect or attempt to collect a debt.
Product: Credit card or prepaid card

I am being forced, without my consent, into paperless statements. These predatory tactics are created to have consumers fail to pay credit card bills on time and get charged late fees. I do NOT have access to internet at all times, nor do I want to rely on " paperless '' statements. This is, at a minimum, unfair and predatory, if not illegal treatment of consumers.
Product: Debt collection

I have a debt collection reporting on my credit for an auto loan that is not mines. I have never applied for financing through this lender. This account appears to be a result of an identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # 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 credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

A monthly service fee of {$15.00} of XXXX payments and sucked a total of {$42.00} out of my Wells Fargo checking account. This account is a " lame duck '' account and I had at total of {$100.00} in this account as a buffer. I called customer service and they said there 's nothing they can do. Typical and corrupt bank.
Product: Credit reporting or other personal consumer reports

This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a XXXX of XXXX and was charged off and/or paid in full in XXXX. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under XXXX5 U.S. Code 1681.

Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, AIDVANTAGE is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. 

Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for XXXX XXXX. There are over XXXX different names associated with my credit report. At least XXXX are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with. 

Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
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 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Mortgage

I called to pay my mortgage for the XX/XX/XXXX payment with one of Superior Loan Servicing representatives on XX/XX/XXXX, which was a XXXX. They stated they do not process same day payments in their office, therefore the XXXX payment was processed and debited out of my account on XX/XX/XXXX. 
XXXX states the Mortgage is considered paid when it is received. Thus, my payment should not have any 30 day late payments for my mortgage history. 
This is crucial to my refinance efforts for this mortgage. 
Please correct the payment history to show 0x30 days for the entire life of the loan.
Product: Mortgage

I have a complaint with my mortgage company. We received several monthly statements from Loancare stating we are ahead on our mortgage payment. ( Exp : The XX/XX/XXXX statement stated we were not due until XX/XX/XXXX. ) I called the loancare customer service center to get the correct information and to see why my account is showing Im a month ahead. The woman I spoke with explained it was because they recently bought our mortgage from the other company so it prorated my account for a month, stating we didnt have to make a payment. I asked her several times if she was sure it was because the account was bought out and she proceeded with her first answer, yes! We did not have to make a payment but we could if we wanted to pay a month ahead every month. Our mortgage payment is {$990.00} per month so we decided to go along with the information the woman explained and not pay a month ahead. Then 3 months later, we received a letter from loan care stating we are a month behind on our loan. I called the customer support and it stated I had over {$70.00} worth of late charges and I needed to make a payment immediately. I transferred my call to a CSR and they stated it was from a reversed payment on my account in the amount of {$1000.00}. The reversed payment was where the CSR had posted another families payment to my account instead of the correct account. Putting both families behind on their mortgage. I asked to be transferred to a manager and the floor manager exp it was a mistake on their end and the first woman I spoke with told me the incorrect information. They also stated it was very easy for them to confuse the account # 's and post to the wrong account. But the manage my mortgage loan?? I told them I would call them back once I got home and got all my statements in line. My fiance ' and I called back to explain we were told by choice not to pay the account and we would still be current but no one wanted to hear our side of the story. We asked to speak to several managers and the CSRs couldnt get us any further than the floor manager, which he was very rude. Even went as far in comparing how he pays his truck payment on time and cant skip a payment and get away with it. I explained I didnt need him comparing himself to me and how we pay our bills. He also stated we should have ignored the monthly statements they sent us for those 4 months showing we were a month ahead, even though I contacted them and verified that information. How can you ignore your mortgage loan statement? He was very rude and didnt want to hear what we had to say. They did agree to waive all the late fees since it was an error on their end but wanted us to mail them the " past due '' payment plus the next month coming up, totaling {$2000.00}. We explained we feel we shouldnt have to pay for their mistakes all at once and his reply was " your not paying for our mistakes, your paying for your mortgage. '' Understand, we will pay our debts without a problem, but I called and verified TWICE, before skipping the payment, that we were not going to be held late if we didnt mail a payment in.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw a bankruptcy account that shouldn't be shown there. I studied the consumer laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! I'm a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I will seek legal action against your company!
Product: Credit reporting or other personal consumer reports

This complaint is in regards to a creditor, i.e. 
XXXX XXXXXXXX XXXX, placing unauthorized inquiries upon my credit profile. I have been trying to reach resolve for over eight months, to no avail. I have sent letters demanding that they furnish proof and remove it, only to receive a generic response ( see attachment containing correspondence ). I will mention that, despite sending multiple letters, I only received a response from the company on one occasion-which was several months ago. I also contacted the three major credit reporting agencies, to which they responded that the information will remain on my credit profile-even after I demanded they furnish proof-without either actually furnishing proof within the requested timeframe ( see attachments dated XX/XX/2023 to bureaus ). I will also supply correspondence from the investigation results from credit reporting agencies. They are attempting to allow inaccurate information to remain on my credit, going against my rights to fair and accurate reporting. Please help.
Product: Credit reporting or other personal consumer reports

I have several inaccurate and inconsistencies on my credit report. XXXX, XXXX, and Equifax have been contacted via phone and mail about any and all errors on my reports, but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my trimerge report provided by XXXX and my credit report from XXXX, A dispute response from Equifax. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

XXXX Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX and many other variations. 
My address is XXXX XXXX XXXX XXXX FL XXXX, but there are 3 extra addresses on my report. 
They're reporting 2 late payments for XX/XX/2017 on my XXXX XXXX acct XXXX XXXX XXXX. and acct XXXX XXXX, which are incorrect. I've never been late. 

XXXX Report : They're reporting 1 late payment for XX/XX/2017 on my XXXX XXXX Acct XXXX XXXXXXXX. I've never been late. 

Equifax Report : My name is XXXX XXXX XXXX and they're reporting it as XXXX XXXX and other variations.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX, TN XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XX/XX/XXXX