23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I first bought the american express prepaid card at a XXXX XXXX  on XX/XX/, at first my card was being declined and i called the number on the back of my card to check the balance, activate it, and tried to order my items again, tried from numerous different online shops, and didnt work i waited for 24 hours and a day to go by and it worked, for 4 transactions from XX/XX/ to XX/XX/. I had gotten a refund on a transaction that was made XX/XX/, which gave me a balance of {$16.00} of credits and {$16.00} for the available balance. I then tried in tons of different online stores and my transactions were all declined with a message of The card issuer has refused this transaction, please try a different payment method. I called customer service on the back of my card numerous times though-out this whole duration because my solution wasnt being solved. I was told That website is black-listed or try to shop somewhere else. Or I do not see this shop being showed, i only see this i was told to use this card in stores, but i have been and it was constantly declined by the card/bank issuer. There are no pending transactions on the card, and a balance of {$16.00} was being shown, i had even went under the amount of {$16.00} in my cart and still was being declined.
Product: Credit reporting

I have submitted numerous requests for verification of my accounts with Equifax, XXXX XXXX, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.
Product: Debt collection

in XXXX, I learned that a collections agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, had place in account in my name with XXXX or more of the credit bureaus. On XX/XX/XXXX, I sent an email for verification of the debt to the collection agency. 

I did not receive a response, I then subsequently sent a follow-up email on XX/XX/XXXX, XXXX and learned that the collection agency blocked me from further contacting them by email. 

I have sense been trying to call them, they informed me that the account was being handled by one of their subsidiaries, XXXX XXXX XXXX. I reached out to to this subsidiary in order to try and remove this debt. For the most part, the communications have not been put into writing. 

I informed them that in an effort remove this debt as quickly as possible, I was willing to offer a settlement. At first my offer was accepted and payment was made by check on XX/XX/XXXX. A week later on XXXX, XXXX, I received a phone call requested payment again. I informed the company that I will not be giving my payment information twice and disconnected the call. 

I contacted XXXX, to dispute the debt but nothing was done, and they unwilling to provide what verification they received to include the debt on my account. 

I am reaching out to file this complaint because I feel that this company, haven't not provided verification of the debt and requesting double payment, is making an effort to obtain payment that it is not owed.
Product: Credit reporting or other personal consumer reports

According to 15 Usc 1681a2 I did not give written Consent to XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX And XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to furnish the is information to my Experian Credit Report. I also filed an FTC complaint that complaint number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from a lender for " too many inquiries '' on my Experian Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian Credit report that I DID NOT authorize and had no knowledge of. I contacted Experian Immediately and was given no relief. I also have afraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, non of these companies received any identification or authorization from ME to pull my credit for any reason : 1.  XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting

I called them after disputing the info that was incorrect on my report and they said it was correct. 
And that they would not allow me to dispute the information again even though it is incorrect.
Product: Student loan

For over 5 years, I have attempted to get this loan cancelled under the medical technician provision. Of all the requests, only 2 were actually applied to my account, when I qualified for the entire amount to be cancelled ( 5 years worth ) - an email is attached showing a cancellation was in place in 2019. 

I have been unemployed for several months and was recently notified of the loan being transferred to collections. On XX/XX/XXXX, I uploaded the deferment form ( before the loan was sent to collections ), on XX/XX/XXXX, I was notified my loan went to collections and on XX/XX/XXXX, I was notified my deferment was denied because my loan was in collections. When I uploaded the request on XX/XX/XXXX, my loan was NOT in collections. I need the deferment to be applied so I can get the cancellation requests done AGAIN.
Product: Vehicle loan or lease

This loan was defaulted do to them not working with me on payments the loan was closed and written off but they still continue to add XXXX dollars every month to the amount even with no open account and a profit and loss write off
Product: Mortgage

My daughter ( XXXX XXXX XXXX, XXXX XXXX ) was an XXXX Veteran. My daughter passed away after she came back from XXXX. My daughter used her VA Benefit to obtain a house my our family. My daughter had filed a bankruptcy before she passed away. After my daughter passed, the bankruptcy negative amount went back onto the Mortgage Loan ( VA ). The Bank of America Mortgage company is now  doing a foreclosure on the real estate my daughter purchased for me, her mother. I have been paying Bank of America mortgage payments and tried to work with them about the negative bankruptcy balance but they refuse to approve my Loan Modification Application and are going ahead with the FORECLOSURE. The  FORECLOSURE sale date is XX/XX/2018. My daughter XXXX XXXX, passed away approximately a year ago. I have my grandson living with me and we will end up homeless if our home is taken away from us. My daughter paid the Ultimate Sacrifice for her family to have a good home and Bank of America is soulless. Please help me and my family stay together in our home that my daughter ( XXXX XXXX XXXX ) intended us to. Thank you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a negative item furnished by XXXX XXXX XXXX on all three of my consumer reports multiple times. 

I requested and received a validation letter of the item from XXXX in XXXX, 2022 where they admit to not being able to confirm or deny the accuracy of the item. 

Yet all 3 bureau 's keep allowing them to update this item as verified, despite XXXX 's admission in writing that they do not have the capability to verify the infromation. If a proper investigation and reinvestigation was really done by the bureaus I wouldn't have to write this complaint. 

As stated in 15 USC 1681i 5 ( A ). XXXX, XXXX, and TransUnion are all required by law as Consumer Reporting agencies to promptly delete this unverifiable information to keep the accuracy of my reports in tact and protect my rights to fairness in reporting. 

I am attaching the letter from XXXX to this complaint,
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX University did not provide any accommodations as a XXXX student and stated that there were no accommodations for online students because they were studying at the comfort of their own home. They stated that the only accommodations available were for on-campus students. After delegating with Mrs. XXXX XXXX, a XXXX specialist, she promised to send a certificate of XXXX document. She never sent it and when I questioned her, she admitted that she forgot to send the document. Because of the lack of competence and care for minority class students, I have a debt of over XXXX that XXXX has been harassing me over. The debt was caused by them after urging me to withdraw from my classes. They did not care that this would affect me negatively. After I conceded and withdrew from my courses, XXXX reported me to the Education Department for fraud. This has caused serious complications in continuing my education. I have been denied access to education by XXXX University, XXXX University, and was put through a very arduous process due to this false statement and accusation. Because of this label, the FSA and its employees have mistreated me and abused me verbally. In recent, I spoke to a woman who verbally spoke to me in a violent manner. I felt threatened by her demeanor. XXXX did not protect my rights as a student and a protective class. They did not implement any affirmative action on my behalf and subjected me to more harm than good. I not only have a large debt but the debt prevents me from getting any private loans like the XXXX XXXX Loans. I was recently denied and needed an endorser. Given this ordeal, I am requesting a fair resolution below.
Product: Debt collection

I requested on XX/XX/2020 that Midland Credit Management provide me with competent evidence that I have any legal obligation to pay them, ie a contract with my signature, and as of XX/XX/2020 I have yet to receive a contract.
Product: Debt collection

This debt was originally reported on my credited on XX/XX/XXXX by Thunderbird Collections # XXXX in the amount of {$990.00}, scheduled to be removed on XXXX. Then on XX/XX/XXXX the same debt with the same company was reported again this can not continue this debt will conituen with no expiration date as long as the collection agency decides to recycle it thru. I do n't feel thie is right. I would like to see this debt removed, because of thie debt I have been denied housing on a rule of XXXX history of rental debt
Product: Credit card or prepaid card

Purchased an auto part XXXX XXXX XXXX XXXX for a XXXX XXXX  XXXX via XXXXXXXX XXXX located in South Carolina. Part showed up and was left at door. Shipment was refused and returned to XXXX XXXX. XXXX XXXX refused to credit my credit card. I filed a claim with CITIBANK who issued a provisional credit for the part. I provided proof to CITIBANK ; Postal Tracking information that the part was refused and returned, and received back by XXXX XXXX in South Carolina. 

CITIBANK contacted XXXX XXXX who acknowledged they received the part back but refused to issue credit back for the part and kept the part. The part cost {$1500.00} CITIBANK contacted me back and told me since the merchant ( XXXX XXXX ) refused to issue a credit, the provisional credit was going to be reversed and was now due. I asked them how they could possibly acknowledge everything I claims was accurate and still try to collect from me, and they told me to file a Lawsuit against XXXX XXXX to recover the money meanwhile I had to pay. I refuse to pay money for a part I do not have. It should be fraud and or outright criminal theft for a merchant to willingly keep both the part and the cash, and worse for CITIBANK to be unwilling as my credit card issuer to take no action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$960.00} JXXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Account number : JEFFERSON CAPITAL SYST XXXX I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second notice and I have had no correspondence back from your company in over 45 days. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, \ '' Admission by Silence\ '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit card or prepaid card

I have never been late with this account and have been diligently making my monthly payments. Therefore, it is unacceptable to see a late payment reported on my account. I kindly request that this late payment be removed from my account as soon as possible. Please refer to the attached documents for verification.
Product: Credit reporting or other personal consumer reports

I am writing this request to XXXXXXXX XXXX that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Product: Debt collection

I have tried to dispute this with the consumer reporting agencies and they say that the information has been verified even though the information is not correct.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credit report, I think they are trying to get credit cards in my name, I have a police report and I need those inquiries to be removed since I did not make them, I have called the banks and they will not remove it from my credit, inquiries appear and it affects my credit. I need it removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted five claims with Experian trying to get multiple inaccurate/ false late payments removed from my credit report. However, they kept saying, it verified, but in reality Experian never contacted my former mortgage company XXXX, because when I called them they referred me back to EXPERIAN. I even get a letter from them say I NEVER LATE. 
XXXX and XXXX are removed the late payment, but Experian would not removed the late payment from my credit report. 
I don't know what to do right now? 
Please, somebody help me? 
Do I need to contact someone else? 
Now Experian won't even allow me to make another dispute online, while they won't show me any document from XXXX. 

I don't know what to do at this time! 
All I need is for Experian to do it job. 
Thank you.
Product: Credit card or prepaid card

Credit cars got close on XX/XX/XXXX was placed on a payment plan, I pay several payments. Two large one for XXXX each and several for {$500.00} each. Balance is {$4100.00}. They insist that a payment set up which was set up. I call them before they try to redraw the payment and explain due to covid 19and XXXX being shutdown I cant work and I have no money coming in what I have is just for food. I explain I wouldnt be able to pay that right now until my state opens up back. They still try taking the money out, charge my account {$39.00} fee for not honouring payment and also they report to my credit XXXX  on XX/XX/XXXX. I call them they kept insisting they can not stop It and will do so every month once I am late and since my account is close I have too pay in full. 
Please help Me.
Product: Mortgage

I have that in writing greater than 10 times for account information to include everything that has been charged to us, Payments we have made and where they have gone and any notes on the account. I have communicated in writing to Ditech requesting all of the above account information Because I dont agree with charges that were made for months. We have a VA loan and we have been charged more than one late fee for several months and I kept telling them that is not right and it can not be greater than 4 % of the payment. One occasion they sent me a XXXX XXXX  document ( that was manipulated ) and changed half the fees to NSF charges And I have communicated that this is not accurate in my bank statements can prove I did not get several nonsufficient fund charges.Ditech refused payment from the spouse and said they Did not have authorization to speak to me however Im the only one who makes the payments and they lost the authorization more than once. I have also had the VA reach out to Ditech to receive all the information and Three weeks later I received another manipulated document numbers did not match and it did not have any charges whatsoever Ditech charged. I am doing the math and I know thousands not be accounted for. I have demand of this information of all account charges and fees and payments And they are refusing to give me this information. They paid my homeowners insurance and drained the escrow account. I have asked repeatedly in writing why this was done for what reason and all the charges and late fees that were applied and additional interest occurred for a double late payment for months and months I do not agree with and I know this is wrong and against va regulations for servicers to do. Also my monthly payment has skyrocketed {$200.00} and this should not happen when taxes are lowered. Ditech is also a bully every time Im on the phone and collection practices are disgusting. They are breaking every consumer protection law and TRUTH IN LENDING law. I have never felt so bullied in my life. I can not see what they are doing however one of our VA representative was very vocal to make above all my other litigations, DITECH should be sued for XXXX!!! I see that they are a dirty company and Ive read about 60 other complaints within 2018 very similar. Ditech has a pattern. Ditech refuses to disclose ANYTHING true. Stop stealing and committing fraud!!!! Ditech is destroying families with their disgusting actions. Welcome to the start of your next class action.
Product: Credit card

I never been late with this accounts, and please update it, and I always paid on time
Product: Checking or savings account

I have had quite a few unauthorized uses and charges made to my account, starting back in XXXX of 2022 to present. I have been notified by the fraud prevention department quite a few times to verify if those charges were made by me, in which case I told them that they weren't. Iam very grateful for the fraud prevention department! but ever since I have used my debit card online, I have had problems with fraud being detected on my account like I said Starting back in XXXX of 2022. I have never had any issues with Wells Fargo until the last 6 months. I have been a loyal customer since XXXX and due to all of the fraud on my account the bank. As of XX/XX/XXXX, Wells Fargo has decided to close out my account, and they no longer want to work with me as a customer anymore. This is very frustrating and upsetting to me having to deal with all of this nonsense over the last six months. And now to this day, the banks is trying to tell me, that my account ( after being closed now supposedly going on 3 months ) is negative (. - {$600.00} ) and itis being sent to collections with this negative amount stating that I supposably owe the bank that amount. That doesn't make any sense to me, at all on how they all of the sudden they are saying that I owe them that amount when I had my SSDI payments going into my account on a monthly Basis for the last couple of years now. I just don't understand why or what is going on. Now since my account has closed, I am having problems getting another trustworthy bank to be able to put my monthly XXXX payments into. this is just a very unfortunate situation that i personally thought that I would never have to go through. But I guess not first time for everything...
Product: Debt collection

This is an account i had with XXXX XXXX years ago. Yes i had fell behind on my payments because of hardship at the time but I did a check over the phone in 2010 for a  settlement amount with my XX/XX/XXXX account at the time. So this is totally wrong for them to threaten to garnish any wages of mines.This account should have been closed! 
And i'm trying to find somewhere to live with my grandbabies and ill mother. I will fight this all the way, in Jesus name.
Product: Credit reporting

Unauthorized inquiries on credit report. Have contacted creditors and creditor bureau numerous times without recourse. Many inquiries are duplicates. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from a law enforcement agency that my name and personal information was discovered as being fraudulently traded, and that I should pull a credit report and place a credit freeze immediately with all three agencies. I was able to easily place a freeze on my credit with XXXX   and XXXX, but Experian is making it impossible to do so. The online system says it will not verify me, and the phone system says the same thing. There is not any customer service number at which I can speak to a person or any system where I can go through steps to prove my identity so that I can place a freeze. Both the phone and online systems just tell me that I should communicate with them by mail regarding my issues and give my an address in Texas at which I should mail them a letter. Again, all I want to do is place a freeze on my credit to prevent fraud given the apparent compromise of my personal information. The other agencies made this a quick and easy process, Experian has made it impossible.