23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received a {$3000.00} American Express ( Amex ) gift card from my employer as part of a bonus program. The card was activated on XX/XX/year>, and currently has a balance of {$2900.00} after one successful {$25.00} purchase and a few small authorization attempts. 

Since activation, I have had persistent issues using the card for online purchases and adding it to my XXXX account. XXXX is my preferred method of online payment due to its security, and it is also my primary financial tool for managing a small side business selling items on XXXX. I followed all instructions : entering my name, billing address, and card details exactly as directed. Despite this, every attempt to link the card or use it for even small amounts ( as low as {$0.00} ) has been declined. 

On XX/XX/year>, after another failed attempt to add the card to XXXX, I contacted Amex customer service. I was assured that the card should work with XXXX if all details were entered correctly, but it still does not work. According to the terms and conditions, the card should be accepted for online purchases and at merchants in the XXXX that accept American Express. I am unable to use the card in the ways I need, and this defeats the purpose of its intended functionality. 

I have spent far too much time trying to resolve this issue, and it has been extremely frustrating. The card is not functioning as expected, and I feel stuck with a balance I can not effectively use.
Product: Debt collection

XXXX XXXX XXXX account # XXXX They repo the car sold it and never applied balance to the account after they said they would and I wouldnt owe them anything please help
Product: Credit reporting or other personal consumer reports

It's Experian, I've tried canceling my membership all day. It won't let me log into the website to cancel until I put in a credit card to charge my account and I tried the online customer service number and it won't let me cancel my membership or speak to an actual representative. It is literally impossible to cancel/change/update my account and have them quit trying to charge my card for a service I do not want. There is no way that's legal.
Product: Debt collection

The following debt is over XXXX XXXX XXXX. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. 

The last activity with both debt were XXXX. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.
Product: Debt collection

I LOOKED ON MY CREDIT REPORT AND SAW A XXXX   BILL FOR {$1100.00} THIS IS NOT MY BILL. I WANT THIS BILL REMOVED FROM MY CREDIT. UNDER LAW THE CREDIT AGENCIES MUST SHOW PROOF THAT THIS IS MY ACCOUNT.
Product: Mortgage

i filed individual chapter XXXX bankruptcy with help of attorney on XX/XX/XXXX, after mortgage servicer charged off alleged construction line of credit in XXXX ( and attemp to forclose my property twice in XXXX ) i filed individual chapter XXXX bankruptcy to find out who should i pay. 
while i was paying monthy payment during chapter XXXX bankruptcy per chapter XXXX trustee order, bankruptcy converted to chapter XXXX without any reorgonization meeting. ( and right away {$91000.00} transfered to trustee account from XXXX checking account withou my consent or knowledge ) while i was disputing and motion of appeal pending and mortgage servicer withdrawal its claim i evicted by XXXX point at me on XX/XX/XXXX by us marschal per BK judge void order exampt, husband and wife tenancy done on XXXX and avoided in bankruptcy court without due process of law and without my husband be party in bankruptcy case and he got partial judgment on XX/XX/XXXX ( void judgment order lack proof of claim and,,,, ) per 3 credit reports bankruptcy dismissed on XX/XX/XXXX with {$0.00} claim, {$0.00} liability
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letter which will be attached went to XXXX, XXXX and Experian to properly investigate the errors and inaccuracies I found on my credit report. These letters were sent out on XX/XX/XXXX. Almost 60 days later I received a frivolous response letter back from them, accusing me of hiring a company to dispute accounts on my credit and that I would need to prove my identity. I sent proof of my address and my Drivers Licensed attached in my first letter for proof of my identity. I have sent two more letters over these 120 days and I have YET to receive any investigation result correspondence from this bureau. 
I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have not received any more correspondence. I feel that my rights have been violated per consumer law and I am requesting to either get compensated for each violation or for these errors I have listed to be removed from my credit reports immediately upon investigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

CHARGES TO MY ACCOUNT HAVE OVER 30 90 MINUTE CAPTIONING TRANSCRIPTS OF TELEPHONIC COMMUNICATIONS WITH BANK OF AMERICA I ( HEREIN AFTER AS " BOA '' IN REPORTING FALSE NARRATIVE INVOLVING XXXX ( XXXX ) ENTITIES # XXXX ENTITY : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX AUTO REPAIR ) DUE TO THE FAILURE OF " BOA '' THIS REPAIR SHOP CRIMINALLY SCAM ME OUT OF THOUSANDS IN " CLAIMED '' AUTO REPAIR -MUCH OF THAT WAS NEVER DONE BOTTOM LINE " BOA '' DID NOT WITH THERE XXXX CASE NUMBER ( FILES ) XXXX XXXX XXXX AFTER XXXX YEARS OF LITIGATION HAS AN XXXX JUDGMENT AGAINST SAID ENTITY. 
ALL CHARGES TO THE ACCOUNT SHOULD BE DELETED TO INCLUDE INTEREST. 

ENTITY TWO : XXXX XXXX ( CAR ) CAR WAS IN AN ACCIDENT WHILE WAITING FOR THEIR LOT TO OPEN -LESS THEN A BLOCK FROM THEIR LOCATION AND COULD HAVE BEEN IMMEDIATELY CLAIMED BUT DOLLAR THOUGH ADVISED DAILY TOOK 3 DAYS TO RECOVER CAR. DOLLAR HAD IMMEDIATE ACCESS LITIGATION WAS FILED & THEY FILED BANRUPTCY THAT DERAILED TRIAL. 
" BOA ' ALLOWED DOLLAR TO CHARGE {$350.00} TO CREDIT CARD FOR 1 DAY RENTAL. THERE IS NO ENTITLEMENT FOR 3 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been refused banking services due to unreasonable credit score reported by Transunion which is inconsistent with information on my credit file with them. 

As you can see my credit score with XXXX is XXXX, XXXX XXXX but is almost FIFTY/ 50 points lower at XXXX with transunion for the EXACT same set of financial data!! 

I have tried to file a dispute with them but they require a paid membership before any dispute can be submitted which in and of itself is complaint worthy. 

I have a copy of the report from my credit card company ( XXXX XXXX ) who pulls my report regularly from them, you will see both attached to this document. 

I would like TransUnion to fix my credit score.
Product: Mortgage

My wife and I have been asking Ocwen to verify its information it has been reporting for the past XXXX years on our credit. We have sent numerous certified letters to Ocwen and the reporting companies asking for written verification of the account and the information being reported. We only receive generic form letters in return without any verification of any kind. We believe we have the right to ask for this verification or the removal of all the information they report. We also believe they are only allowed so many days to comply, not the XXXX years it has been.
Product: Vehicle loan or lease

I had a used auto loan through Wells Fargo starting in XXXX. I believe there were some fees that were taken out that were not supposed to be as well as issues getting the lien release from them. When I paid off the loan, the remaining balance, I believe had some hidden fees added to it that I was not made aware of. Also I believe the interest rate was misappropriated toward the end of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020
Product: Mortgage

Trying to Short Sale the property have an offer and the property is vacate however, Wells Fargo is not doing interior BPOs/Appraisals nationwide.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in violation of the FCRA laws due to the disregard of the FCRA laws. I sent a dispute dated XX/XX/2022 requesting them to verify the account by providing documentation of an original contractual agreement from creditor bearing my signature and provide me with the method of verification if the account in question is verified after the investigation is complete or delete the account immediately if they are unable to verify. They then had 5 business days to notify me of the results or that they are still investigating. After 30 days went by I sent a demand & comply letter dated XX/XX/2022 for them to remove the account immediately due to not verifying the account in a timely manner and not providing me with the method of verification. This account has never been verified nor validated per the previous request.
Product: Debt collection

XXXX account I had had been canceled and equipment had been returned to store in XXXX. About a year later around XXXX of XXXX a XXXX rep called trying to collect on a debt before it was sent to collections. After talking to them for quite some time I was able to get it sorted out and took a screen shot of my XXXX account showing a paid in full status with {$0.00} balance on XX/XX/XXXX. Rep told me they would send a letter but a letter never came. In XXXX Jefferson Capital showed up on my credit report showing an account that they were collecting on from XXXX. I've disputed this account multiple times and each time they verify it as accurate. I recently was able to get the screen shot showing a zero balance off an old phone. When I disputed and included this screen shot they still verified the debt as accurate due to the submitted document being an image file and not a letter.
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. 

XXXX XXXXXXXX XXXX XXXX XXXX CHILD SUPPORT NORTH CAROLINA XXXX Child Support XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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

On XX/XX/XXXX, I purchased a vacation package from XXXX XXXX XXXX. They required a payment of {$420.00} which I paid that day and it posted to my Chase credit card on XX/XX/XXXX. My second payment of {$380.00} was made on XX/XX/XXXX, and posted to my card on XX/XX/XXXX. My vacation package was for XXXX XXXX cruises XXXX XXXXXXXX XXXX hotel stays which can be used over the next XXXX years via XXXX # XXXX XXXX. I was promised XXXX different destinations for my hotel stay such as XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and much more. On XX/XX/XXXX, I called XXXX XXXX and was told that my first hotel stay had to be in XXXX. This was a red flag and I wanted to cancel my package as I have family near the other destinations mentioned and I have been to XXXX  so many times I didnt want to go back. XXXX XXXX would not honor their original offer nor issue a refund. As such, I called my card issuer in XXXX XXXX  XXXX and Chase said they would look into it. Then they basically told me that they had a recording of me saying I agreed to the terms and conditions so they would not fight these charges for me. I felt defeated but wasnt left with much else of an option except to use the certificate for XXXX  so I could take advantage of the remaining vacation trips. So in XX/XX/XXXX I called XXXX XXXX and was told that they changed the name of their company and I have to pay them additional funds to book anything at this point. They are not willing to honor anything without me giving them more money which is complete fraud! I called Chase back and they told me that my original complaint wasnt even submitted as a vacation package. It was submitted as a time share which is not the case. The supervisor XXXX agreed that I should receive a full refund. I am requesting a full refund from Chase as they did not protect me from the beginning when I warned them of the consumer fraud and my initial chargeback was filed incorrectly. Ive been with Chase for quite a while now and at the very least this should be done as a onetime courtesy credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to all 3 credit bureaus regarding the Following Accounts, Account # 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  {$850.00} and they are not following any CFPB rules or any federal laws regarding my demands. I also stated in a previous dispute that In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX Accounts above 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information 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 the information is inaccurate
Product: Debt collection

I have XXXX  data that shows the initial XXXX XXXX was disbursed XX/XX/XXXX, when I was in high school. It is impossible for me to owe this debt as I was not enrolled at XXXX until XXXX. I am being charged for a loan that I did not receive funding for ( see attached NSLDS info ) and was not eligible for due to me being under the legal age and still in XXXX, as a XXXX grader. The XXXX XXXX is only available to qualified, college enrollees, not high school students. 

In early XXXX, I received a letter from a collection agency, Todd Bremer & Lawson,  that was sent to me on behalf of the XXXX  XXXX XXXX  at XXXX, regarding a XXXX XXXX that had defaulted. The letter I received from TBL stated I owed a principle amount of {$6300.00} for the original amount of the XXXX XXXX, and that TBL was also seeking over {$2000.00} in collection costs and other fees. In an effort to bring my student account balance in good standing, I submitted a total of {$8.00}, XXXX to TBL to satisfy the debt and associated collection fees. A few weeks after submitting the payment to TBL to satisfy the defaulted XXXX XXXX I had with XXXX, my financial institution determined TBL illegally accessed collection fees and charges that were not lawful, and that were not explicitly included in the original Borrower 's Agreement. I also asked TBL for proof that the XXXX XXXX funds had been deposited in my account because I was a victim of identify theft between the years of XXXX. TBL could not provide substantiated documentation to prove I had actually received the XXXX Loans Funds in my bank account in XXXX. As a result, my financial institution determined I was due {$3900.00} to be refunded to me. I received the funds from the chargeback in XX/XX/XXXX. 

As it stands today, TBL is charging me {$4100.00}, which includes {$960.00} for collection costs due to TBL. 

Again, this loan was initially disbursed in XXXX, when I was not even enrolled at XXXX and I was underage, just XXXX years old, and did not agree to any sort of loan during this time.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

I have maintained a relationship with XXXX for over 10 years without any issues on my part. Recently, I applied for a {$25000.00} auto loan from federal agencies, only to discover that my Experian credit score is now showing as XXXX due to an unjustified fraud report filed by XXXX in XXXX. 

I urgently need this loan by XX/XX/XXXX, but XXXX has informed me that the resolution process could take 45 to 90 days, which is simply not feasible. I filed a complaint with them on XX/XX/year> ( XXXX XXXX. XXXX ) and followed up again on XX/XX/XXXX to request a contact person to include in this claim. 

Instead of receiving clear guidance, I was transferred between different departments, forced to repeat my story multiple times, and left on hold for over an houronly to be told that : They can not provide a contact person for the XXXX  XXXX XXXX XXXX to reach out to, claiming I should know what to do. 
A relationship manager would not be available in the short term, particularly for this issue, as they do not handle claims. 
When we were about to end the call, they suddenly informed me that I need to submit my Experian Credit Report as supporting documentationsomething that was never mentioned in my initial complaint. 
To make matters worse, the only way to submit this evidence is via fax, a completely outdated and impractical requirement that seems intentionally designed to create obstacles rather than solutions. 
This entire process feels like a clear abuse of power, leaving the customer completely defenseless. The lack of transparency, accountability, and reasonable communication channels is unacceptable.
Product: Debt collection

On XX/XX/2023 I sent a dispute letter to Midland Credit Management INC, which was received on XX/XX/2023. In the amount of {$5700.00}. I still havent heard back from them yet. However, after further review of my credit report. Midland Credit Management INC, continues to report negative information on my credit report.
Product: Debt collection

The ACH amount owed XXXX XXXX was wrongly paid to XXXX Bank of America and instead of being sent back to consumer it was transferred to XXXX XXXX after the cut-off date incurring a late fee and fines. I received several credits, but the debt kept appearing and the folks at Bank of America failed to respond to my phone complaints, Emails, and written communications to change the matter permanently. This debt is no longer owed to the debt buyer, XXXX XXXX, and the other debt buyer, XXXX Bank of America, formerly Bank of America 's XXXX accounts, since I am retired and on social security benefits under law. These debt buyers have no documents or signed agreement by me either and that is why they want me to provide them with the information. I refuse to do so because they have no right to it. This is a matter of increasing their revenues and increasing my liabilities with a negative report on the XXXX big consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I don't want to receive any updates from the TransUnion either by letter or email regarding my XXXX XXXX experience. I am requesting ceast of communications thru email and letters from the said Bureau.