23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.
Product: Credit card or prepaid card

Received a prepaid {$500.00} Vanilla Gift card as a gift. Verified that the card had {$500.00} on the gift card with the company however the gift card will not work with merchants. The card is not usable when scanned! Contacted the company number provided on the back XXXX of the card. Spoke with representative and explained that the card is non usable, there was also no security code number on the back. The representative indicated there was nothing that could be done unless we had a receipt to prove that we bought the card. I indicted that the card was given as a gift and we did not have the receipt. 

Vanilla Gift Card purchased in Colorado in XX/XX/2023 The company will not examine why the card is not usable nor will they replace the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not agree that the said amount of debt by XXXX XXXX is owed by myself. I have not received any documentation of how they generated this stated amount. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, then we are all in full agreement that there is no debt owed by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX  XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED FTC
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately :XX/XX/XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX XXXX : {$240.00}. I look forward to receiving an updated copy of my credit report reflecting the correct information. I would appreciate it if you would take action on this matter as soon as possible. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 I, XXXX XXXX, consumer, and natural person, I am aware of all my rights that I have, and are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have also filed a complaint over 30 days ago to have accuracy issues as the accounts are STILL not reporting my information correct after there update and have given them 30 days per 15 USC 1681. I am not requesting that these accounts be removed immediately from my account unless you want to be held {$1000.00} per violation. THESE ACCOUNTS ARE SHOWING INCORRECT INFORMATON Accounts still committing violations per 15 USC 1681 after investigation : Account Name : XXXX XXXX XXXX Account number : 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX Account number : 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : US DEPT OF EDUCATIONXXXX 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 written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Debt collection

XXXX  XXXX XXXX and Javitch Block LLC have failed to provide me ANY of the requested information dated XX/XX/XXXX, XXXXeither by posting all the information publicly on the case court docket, attaching the documentation through the CFPBs Meditation Portal, through secured email or regular U.S. regular mail*. 

Javitch Block LLC, on XX/XX/XXXX, filed a motion to extend the time to response to this request to XX/XX/XXXX. This day has come and gone and as of writing of this letter NOT A SINGLE PIECE OF INFORMATION AS BEEN PROVIDED ( over 4 months late ) by any of methods listed above. 

I urge the Federal Government to action against Javitch Block LLC** for ramming through court cases that are seldom contested and result in judgements to the American public that is too busy or dont have the resources to defend themselves from such action. Because they have not proven otherwise, I believe Javitch Block LLC is filing lawsuits across the nation from a central location in Ohio for collection accounts suits. When a company is left unchecked, they will feel empowered to continue actions that may need to be corrected. PLEASE TAKE ACTION CFPB!!! 

* Complaints were filed with CFPB on XX/XX/XXXX ( # XXXX, answered on XXXX AND # XXXX answered on XXXX ) REGARDING NUMEROUS ISSUES ON THIS ACTION ** wide scale audits from across the nation for cases won by default and, as appropriate, criminal and civil penalties for breaking laws in place to protect the consumer at large
Product: Credit reporting

Transunion is reporting an account that is closed, paid, and was agreed to be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because Dept of Education transferred my loan ( XXXX ) to XXXX and once this happened several inaccuracies were reported on my consumer report such as late payments and inaccurate amounts. 15 USC 1681 ( a ) -Congressional findings and statement of purpose states that the banking system is dependent upon fair and accurate credit reporting. I have tried to resolve this matter with the company and also the credit agencies but neither of these companies complied or investigated this matter. The CFPB released a report stating that Millions of student loan debt borrowers had their debt transferred resulting in errors for 'hundreds of thousands of accounts '. The CFPB stated that companies are engaging in potentially bad behavior regards to these types of transfers. I feel I was treated unfairly because my dispute was never handled and this is effecting my consumer report and has caused me to be denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX 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: Mortgage

Where do I start? My wife and I decided to build our forever dream home however this was ripped away from us. We have been in contract since XX/XX/XXXX for the land we've always wanted. I submitted all my paperwork to XXXX XXXX of country place mortgage shortly after. My credit score wasn't where he wanted it to be but " we had time and will pull at a later time '' is what he stated because we had a closing date of XX/XX/2021, ( well over 90 days ). At the beginning of XXXX, my credit was where it needed to be so we started the process for approval. I was approved by XXXX with XXXX having all the documents he needed. About 45 days out is where we started to run into issues with XXXX. Specific timelines for items he needed to get done were not being met to which XXXX made several excuses. His lack of communication on what he needed and the response times of email averaged 3-4 days and he hardly ever answered his phone. This became a trend throughout the whole process. We had several issues with the appraisal but were able to get that worked out. Underwriting then sent all items to the VA for approval. Everything was approved by the VA and sent back to underwriting one week before XX/XX/XXXX. A few days prior to XX/XX/XXXX ( closing date ) XXXX states we will not make the XX/XX/XXXX it is " still at final underwriting ''. We have to extend our buyer 's agreement with the seller since we have now gone past XX/XX/XXXX. After several back and forth emails, on XX/XX/XXXX XXXX says we will be clear to close by Thursday, XX/XX/XXXX. Everything is good to go finally. Thursday goes by and we do not hear from XXXX. We email and call several times with no response. Friday he finally answers late in the afternoon that there is now a denial from the VA. XXXX states on Thursday the VA denied it but failed to tell us until Friday. The original submission went past its date and " underwriting had to send it back to the VA ''. XXXX says " there's a problem with the system and it's giving us a denial. '' Monday comes and still no word from XXXX on what's going on. Several questions were asked by several people in an email chain to which XXXX does not answer. Eight days later, XXXX continues to not answer any emails on what the denial is. Throughout the whole process, XXXX took several days to reply to emails and hardly ever answered his phone. I can forward all emails for all the conversations we've had with him and his response times and excuses he would continually make. XXXX mislead, lied, had a lack of communication, lack of transparency, and was unprofessional during this whole process. XXXX is clearly incompetent in his job. Throughout most of the process, we included the regional manager XXXX XXXX in the email traffic to which he NEVER responded. I started looking up reviews on country place mortgage and found several complaints about XXXX specifically and his lack of communication, lying, and several other issues. I am not the first person he has done this to. My wife and kids now sit here with no answers and no dream home. For XXXX to do this to a XXXX veteran is disgraceful.
Product: Credit reporting or other personal consumer reports

First of all, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. This is one of my numerous 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. As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To recap it all for you the following needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX. Please delete these fraudulent accounts from my file ASAP. Also, I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. Please investigate the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The   XXXX   in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is the account for the purchase of {$15.00} on XX/XX/2019. The purchase was misleading and threatening. The check-out lady told me if I APPLIED a credit card, I will get a discount. She did not explain in detail, I was being charged with this card and I need to pay it off later. Even, I remembered, I swiped my debit card when I checked out. This is my 1st credit card I ever applied, and the fault was with Forever 21, I did not even know I was being charged or put into a credit card loan. 

Also, the charge was ridiculously more than triple with interest after a couple of months. I still remember, it was XXXX of the purchase and after couple months, I paid more than XXXX dollars at the Forever 21 's XXXX CA store after a month, and then another more than XXXX plus dollars I paid after another month or so at Forever 21 XXXX store again, saying I paid in short. When I think back, it is absolutely a fraud or robbing, plus threatening. Forever 21 's credit card company : Comenity Capital Bank, is using Fico Score system to threatened and charged high interest money making system for themselves. When if you owed them a little money, they will try to double or triple, and at the same time report to credit bureau to ruin your Fico Score. OR, they should held responsible to my credit score and life, for any of my future home and car financing with higher interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to start by first saying thank you! This is not the first time I have gone to your service to report a complaint and the help was of great service to me. We had a problem where XXXX XXXX XXXXXXXX closed my bank account as well as all debit and credit cards and held us locked to open any other accounts for 7 years, until we submitted a complaint and your service forced XXXX XXXX XXXXXXXX to apologize, unlock our account, as well as fix our XXXX status so that we could open accounts again at any other bank. Rightly so, we left XXXX XXXX XXXX and I was able to open a bank account as well as a business account at Chase bank. However I still can not open a credit card with the bank or any others due to the first issue I had. Because XXXX XXXX XXXXXXXX created the initial issue for me, blocking my account and thus not allowing me to pay off my credit cards as well as remaining/added debts, my credit score rapidly dropped during this period. Before this issue, on XX/XX/XXXX, we were able to open a credit card at XXXX XXXX XXXXXXXX with no issues. When our account got blocked due to their error, on XX/XX/XXXX they closed my credit card with no explanation. We always paid off our cards on time with a perfect credit report history, up until the point of the banks severe error. My credit score dropped from XXXX to XXXX, and my wifes, XXXX XXXX, dropped from XXXX to XXXX. Once we opened our bank and business account at Chase, I of course applied for a credit card as i am a business owner with a business account, both things going hand in hand. I got approved and had a credit card through them in XXXX of XXXX, and a month later the bank closed our card without any explanation. We contacted chase and they mistakenly opened a credit card for me, and to contact XXXX XXXX XXXXXXXX as they created the initial problem for us. We did all possible attempts to contact XXXX XXXX XXXX and to no avail with no answer coming back from them to date. Our credit since initially dropping has slowly gone up as we are responsible and 100 % on our payments for everything, however on XX/XX/XXXX we tried to open a credit card through Chase once again, and were denied due to the bank previously accidentally giving us a credit card and then closing it on us. I am a business owner and for my career and company development i require having a credit card. Any reason that i can not be approved for one, is absolutely 0 % my fault and it is unacceptable that a banks error is pausing my career growth.
Product: Debt collection

Request more information about this debt, under my name XXXX XXXX XXXX, singed for me amount and description of purchase and date.
Product: Checking or savings account

My bank account at a pnc branch in XXXX pa was closed for supposed failure to proof residence. I took letters from them sent to the address on record and also other proofs and still my account was closed. The same day my paycheck deposit was deposited. Bank said I'd received a check in the mail 5 business days after the day I visited the bank and have not received my funds.
Product: Credit reporting or other personal consumer reports

This is account is fruad with fradulant charges. i cantacted the company and still waiting for a response.
Product: Debt collection

Disputing the inaccurate, misleading, and potentially unlawful reporting of the following collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure that all information reported is accurate, verifiable, and fair. The reporting of this account contains multiple errors and potential violations that must be corrected immediately. Debt Buyer : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Disputed Errors : Unverified debt collection reporting. Incorrect past due balance reporting. Failure to validate debt upon request. Potential illegal re-aging of the account. Possible violation of IRS regulations if a 1099-C was issued VIOLATIONS OF FEDERAL LAW : Unverified Debt Collection Reporting FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX is a third-party debt buyer with no documented proof that this debt has been validated as required by law. FCRA and FDCPA prohibit the reporting of an unverifiable debt. 2. Inaccurate Past Due Balance FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) The report states a past due balance of {$730.00}, which is the same as the original balance. If XXXX XXXX XXXX purchased this debt for less than the original balance, they can not legally report the full original amount owed unless they provide documentation proving they are entitled to collect the full amount. Adding unauthorized fees or interest would be a violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) ). 3. Failure to Validate Debt Upon Request FDCPA 809 ( 15 U.S.C. 1692g ) XXXX XXXX XXXX did not provide the original signed contract, itemized payment history, and clear proof of debt ownership, I've requested them to cease collection efforts and remove this account from my credit report. I demand immediate removal or written validation of this debt immediately. FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) If XXXX XXXX XXXX has changed the date of first delinquency to make this debt appear newer, this is an illegal practice known as re-aging, which extends the negative impact of the account beyond its legally allowed reporting period.
Product: Credit card or prepaid card

Synchrony Bank XXXX XXXX Car Care card was opened as a result of data breach of fraud was sent to some undisclosed address that I don't know and was used the moment it popped up on my credit report I contacted Synchrony Bank and the approve the claim and the listing was removed now they are constantly putting it back again with a different account number so that it can bypass the credit report filter and holding me accountable and trying to extort money out of me on a card that was never opened my me please help every single month reporting is removed a new account is issued and then back to square one