23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an American Express gift card and tried to use it online at both XXXX and XXXX on XX/XX/2023. The transactions were declined. I called and was told to redeem it in person. Tried to use it at XXXX XXXX XXXX in person today and declined as well. 

I have another card that I have tried to use at a Gas station and XXXX XXXX. Declined as well. 

I have spent 4hours on hold between yesterday and today and can not connect with a representative.

This is false advertising as well. Says you can use anywhere that accepts credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to XXXX XXXX XXXX acct # XXXX I've disputed this account with XXXX, Equifax XXXX and XXXX XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 that the information is inaccurate.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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: Debt collection

I have a so-called debt from Blakely Witt and Associates out of XXXX TX. That claims that I owe them {$4200.00}. This is a debt that I do not recognize or even know where it originated from I can never seem to go through to these people. When I ask them to validate a debt its like they refuse to do so. 

I have never even done business with Blakely-Witt and Associates. Little on created a {$4200.00} debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had sent 3 letters investigating a balance that should be reporting as {$0.00} to Equifax, as i had received a cancelation of debt statement from the original creditor, XXXX XXXX XXXX  account XXXX, all credits bureau had updated balance to {$0.00} but Equifax states that they had verified the account with the original creditor, despite sending paperwork proving that the debt was cancelled. See attached reporting from other bureaus ( XXXX  updated balance to {$0.00}, XXXX  deleted the item from credit report ). I had reported the debt as income and paid taxes properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been dealing with the credit bureaus to remove accounts fraudulently reporting to my credit reports. XXXX and XXXX removed the accounts immediately. As they should! However, Transunion removed 1 out of 5... I sent them a second letter on XX/XX/XXXX. They sent me a letter claiming I was working with a third party company. I am not. They are sending me a letter to deter me and try stall and not work on my file. This is not ok and in violation of my consumer rights. They sent me this letter, and left no dispute remarks on the fraudulent accounts. They did not send any documentation on how they can prove I am working with a so-called third party, and they never verified the information as accurate. These are all violations.
Product: Credit reporting

In the collection information section from an Equifax credit report completed on XXXX/XXXX/15 there is a medical balance to which I have no knowledge of where it came from or why it is there. Especially because I have not been hospitalized nor to the hospital in a few years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 have 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.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CHECKED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS ARE ALL NEGATIVE ACCOUNTS AND IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I AM ASKING THAT AND INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a order to reinvestigate my credit report for the following items and have not received anything back in the last 45 days According to Consumer Law, These agencies are required to complete investigations within 30 days or the items MUST be removed. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am expanding my business and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

Wells Fargo still can not explain to me why, they denied my request for financial assistance help from New Jersey mortgage and finance. All I 'm being told by Wells Fargo, they are investigating. Yet they could not come up with an explanation to what happened. Its been weeks and still Wells Fago does not have answer to what happen. NJMFA, was willing to help me out and Wells Fargo refuse to except their help, onmy behalf. 

Other departments stated they have no information on it. It seems like this is being tossed around from one department to another department, and nobody can provide the actual information. I had attached the letter that states Wells Fargo denied me to get help. From this place, that was willing to help with the financial burden and pay Wells Fargo what was owed. If Wells Fargo was all willing to help me why would they denied the request from the state? Why at any point in time will Wells Fargo not accept any help from this agency what so ever? It should matter where it came from as long as they was helping.
Product: Debt collection

I have already informed coast professional to send debt back to original creditor as I have no knowledge of this debt. I was approved a waiver to withdraw classes from XXXX and never received any funds. I am disputing this debt as a result of identity theft and fraud. Please send back to the original creditor.
Product: Debt collection

Midland Credit Management , Inc . continued to contact me even after I sent a Federal Cease and Desist letter.They made several calls to my cell phone ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX  Sales Financing Company Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/2020 2020
Product: Mortgage

I have a VA loan ( refinance ) loanDepot, XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. I had no problem with them until this XXXX when they sending me statements that made no sense. For weeks, I was unable to even receive any response from them. Even though, I have had " auto-pay '' with my online bank ; XXXX XXXX XXXXk XXXX SC XXXX and they have confirmed every payment was sent electronically on the 1st of every month, long before due dates. loanDepot has accused me of missing payment, double billed me ( XXXX XXXX also paid out fear ) due to threatening letters, and dublicate statements. 
I am a svc connected XXXX veteran, in my mid XXXX, and this situation has caused us enormous stress. We have always been very concious of our obligations and have near perfect credit scores. To be accused of wrongdoing in this manner is unconcieable, and not being able to evern speak with anyone has only aggravated the situation. I thought I could possibly straighten this out but how can you when they won't even communicate. 
Thanking you in advance.
Product: Debt collection

XXXX has submitted my account to the RPM ( Receivables Performance Management LLC ) collection agency after three months of dropping my phone contract. During this time, they failed to provide me with the final XXXX statement agreement of the phone charge breakdown. There is no way for me to verify the charges that I owe for each of the phones I owe under the XXXX account and therefore can not apply my rebate submission to XXXX XXXX XXXX. 

To complete a refund submission, the bill from the previous carrier must include the XXXX ( XXXX ) for final processing. The credit debt agency ( RPM ) also refuses to provide me with this information as well stating that they do n't have this information on file except to provide me with the balance for the amount of {$360.00} when the original amount from XXXX was for {$310.00}. 

I need verification for this account before making a payment to the credit debt agency the amount and date are insufficient information. How can this get resolved?
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.

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

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

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

In accordance with 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 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  15 U.S.C 1681 section 602 A. States I have 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 1681.

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 can make any consumer report containing any of the following items of information any other adverse 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 ) 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: Mortgage

My loan was sold to National Mortgage LLC d/b/a Mr. Cooper in XXXX of this year. 
I originally refinance my loan on a 21 year term with a monthly payment of {$1800.00}. Their records show a 30 year loan with a monthly payment of {$1400.00}. I have been trying to get this corrected with no success. A person, XXXX XXXX, was assigned to get it corrected a month or so ago but it still hasn't been done. Also another problem just occurred on XX/XX/XXXX. Somehow an impound account for hazard insurance was set up without my permission. My original loan did not have any impound accounts. They made an unauthorized payment of {$1000.00} to my homeowners company.
Product: Mortgage

Reference # XXXX Since my original complaint, my existing short sale has reused to offer $ XXXX and as of now has yet to offer his original offer of {$50000.00} and proof of funds. 
I have exhausted myself trying to find available housing because of Louisiana being declared a " DISASTER AREA '' being flooded in so many parishes and no immediate solution for housing. 
I applied for a reverse Mortgage to keep my house as is since I am XXXX and going to be XXXX on XXXX XXXX of this year and you only need to be XXXX years of age. 
I have been pre-accepted if I can refinance XXXX XXXX with a Reverse Mortgage that I have been approved for. 
I must get Ocwen 's acceptance and I am in the process of getting an approval letter from the Bankruptcy Court. 
I am working with XXXX in order to receive protection and in order to insure that the refinance is approved. 
Please let me know, I pray that Ocwen allows me to refinance XXXX XXXX for {$56000.00} as any XXXX off the street can do and stay in my residence until my death. 
I see it as a WIN WIN since I am ill and otherwise will be homeless after my family has XXXX years of equity in this family home. 
This is only acceptable if Ocwen agrees to allow me to refinance my home at XXXX XXXX and accept {$56000.00} as payment in full " As is Where is ''. 
I await your response. 
Thanks, XXXX XXXX XXXX
Product: Debt collection

While reviewing my credit report I noticed a credit card in bad standing that I was unaware of. Upon contacting the original credit company they stated that the debt was sold to LVNV Funding. I have disputed this debt multiple times and have not come to a resolution. When contacting the credit collection agency I have requested statements and other documentation that they were unable to provide. I was directed back to the credit card company who would also not supply information stating that the collection agency now has all information. The debt collection company and the credit card company both are unable and unwilling to provide me any information about the debt but will also not remove the account from my credit report.