23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am submitting this complaint because I am the recipient of a Vanilla Gift card in the amount of {$100.00} the original card number ended in XXXX. When I went to use the card the card did not work so I called the customer service number. I was advised that I was the victim of a fraud and that the funds were depleted and would be added back to the card. The {$100.00} was added to the card but it was still bot able to be used so I called again and was advised that they will send a replacement card for my case # XXXX which would come in : -5 days by XXXX but they refused to provide a tracking #. 
I did not recieved the card after 8 days so called and they said they would send another card again by XXXX again within 3-5 days and again no tracking info. The card was FINALLY recieved yesterday XX/XX/XXXX and when I called to active it the recording says they removed the {$100.00} on XX/XX/XXXX. I called AGAIN and now Im told that they need to send it to the back office and they added the {$100.00} to wait 24hrs or 48 the most. I called the card today and still a XXXX balance. Now they say I need to send in my ID and our personal information to add the {$190.00} because they dont knownid the card was actually purchased which is a LIE. 
According to their own customer service agent AND online portal it shows EXACTLY when the {$100.00} was added. In the LEGAL BINDING CARDHOLDER AGREEMENT that they bind you to, it says NOTHING of the sort to provide such personal information for a replacement card. The company is ONLY LEGALLY allowed to ask for this IF it were part of our contract which it is NOT and they ADMIT this. I come to find that there is a MAJOR class action lawsuit against Vanilla gift card for this VERY REASON they are SCAMMING people! 
If they did not believe the card was paid for they would not have agreed to send not one but TWO replacement cards with the {$100.00} plus load the {$100.00} back onto the original al card in the beginning, I want my {$100.00} loaded onto the card that I am LEGALLY entitled to and I am asking your associate in having the company honor their own contract and card holder agreement and give me back my {$100.00}.
Product: Credit card

I 'd filed a previous complaint about Best Buy. Was told if I opened acct to buy XXXX XXXX, it would only be {$25.00}. Several months ago they began dumping interest and fees, {$1900.00} bal ( limit {$2000.00} ) they took to over {$2500.00} in just few months almost {$100.00} mo payment. TV per their site isnow worth {$250.00}. Each month they told me diff story ; sent me an agreement, told had 30 days to appeal. Asked them to explain and if it would put $ XXXXmonth back. They said I had to wait to see XXXX bill, but that would be after 30 days! My XXXX Bill just came in and it 's still almost {$100.00}, balance {$2700.00}. I told them heavy medical bills, ca n't pay {$100.00}, only {$25.00} as i was promised. Keep telling me diff stories as they pile up fees and interest. Wife borrowed $ to pay XXXX in full, thinking in XXXX we 'd be back to {$25.00}. Best Buy will not take any responsibility for scamming us, and will not work with us. I offered to give tv back said no. I asked that restart the balance to around {$1900.00}, XXXX which is still outrageous for this tv and a few other sm items in the trash ), but was willing to settle for that if they reset monthly payments to {$25.00}, which is what we were promised it would be. My wife is partially XXXX, we are both senior citizens. Can you give us contact information for someone who CAN help us? We of course ca n't afford a lawyer. My wife went to doctor and XXXX XXXX way up because of Best Buy. Please help. Thank you very much. We feel we 've been scammed and worst, now they might ruin our credit, and maybe insurance and other bills will skyrocket. That will be completely destructive for us. My former complaint # # XXXX.
Product: Credit card

I have a Citi Bank credit card that has been turned to an attorney for collections and a judgement has been issued against me and I am trying to short sale my house and the attorney handeling this account is not willing to issue a partial release or negotiate a settlement so my home can be sold opposed to being foreclosed upon. I was never served by the attorney or Citi Bank therefore I feel the judgement is invalid. I am asking for assistance in getting Citi to resolve this issue.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

HALVEY & ASSOCIATES COLLECTION AGENCY PURCHASE AN OLD ACCOUNT I DO NOT OWE ON.
Product: Debt collection

XXXX XXXX i lived in the XXXX area of XXXX XXXX with XXXX XXXX in residence. i moved to the XXXX area and did my due diligence in contacting and and verifying the move and XXXX XXXX is working in new home. Everything was verified and XXXX was able to provide service. the day of re-install i was informed they can not provide service, when i call them i was told that service is available in my area but few condos have backward facing patios and are blocking reception. XXXX XXXX suggested that i pay for remaining 6 months and i owe this due to my contract. I have contacted them twice to install and same answer that they can not provide service. I tried to get my contract nulled base on the fact i should not pay for services that i will receive. i spoke with many rep and finally i asked for a manger i may speak with and was told " you will go no higher than me '' they have sold my debt multiple times on my credit, where some credit collecters were abusive some understood my issue and the following month i was sold to another collecter. currently i am under AFNI XXXX XXXX XXXX XXXX IL XXXX XXXX {$270.00} i feel my contract is nulled when no services are provided. Under my contract i am responsible prior to a move to setup re-install and insure that service are available in the new home. I did all i was required. if i followed the [ policy and was told under their reprensatives yes, and i shouldnt be responsible to fulfill my contract if XXXX Can not provide services.
Product: Debt collection

Updated Combined Complaint XXXX Mortgage Fraud Serial Crimes Bullet Point Summary : -XXXX XXXX XXXX XXXX 's XX/XX/XXXX Corporate Collapse Breached to XXXX XXXX  Contract Acct # XXXX with XXXX XXXX XXXX on property XXXX XXXX XXXX Ct XXXX XXXX GA signed XX/XX/XXXX. ( XXXX ) - XX/XX/XXXX file for bankruptcy, XXXX gives permission to XXXX for emergency acct mgt auth to Carrington Mortgage Services. XXXX Collapses -Carrington Mortgage Servicers, ( CMS ) Collected Unconsummatable Breached Contract mortgage payments for 7 years, and concealed true status of Lenders Demise. -Carrington Mortgage Servicers and XXXX XXXX XXXX , Forged Assignment and Transfer to Trust Certificate Series XXXX and Filed Fraudulent Deed Recording Against Real Property. ( XXXX Breached Mortgage Contract ) -Carrington Mortgage Servicers and XXXX XXXX executed a wrongful foreclosure using a Forged and Filed Fraudulently Recorded Deed. -XXXX XXXX collaborates with XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) to execute an CMS insider receivership Bid-Rigged Auction for {$110000.00} on a {$190000.00} home - XXXX executed executes wrongful eviction proceedings in XXXX Magistrate Court case # XXXX for Judgment -I appealed Judgement to Superior Court of proper jurisdiction hearing on my Complaint for Bid-Rigged Real Property Sale , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hearing date XXXX XX/XX/XXXX
Product: Debt collection

I requested a validation of debt and recieved an account summary instead which isnt clear. There is no contract with my signature, nor is there any breakdowns of charges or payment history.
Product: Debt collection

XX/XX/2023 and XX/XX/2023, Gulf Coast Collection Bureau in XXXX refused to send claim to the XXXX XXXX XXXX so that they could take care of bill. They state that the bill is too old. I never knew about this bill until XX/XX/2023 when I noticed it on my credit report. I am a XXXX XXXX XXXXXXXXXXXX XXXX  and the VA was not notified of the bill. Instead, the hospital sent the bill to an old insurance company and then to collections.bypassing me. I, even had the VA contact billing in XXXX and he spoke to XXXX who stated they wouldnt send the claim because the bill is too old. So, basically, the bill is too old for the VA to pay for it but not me. This is not right and is affecting my credit. All of my information can be substantiated by calling Gulf coast collection bureau at XXXX and requesting information about phone call on XX/XX/2023 involving VA and XXXX. Also, XXXX XXXX XXXX billing department can be reached at XXXX and XXXX refused the claim as well. If they are refusing to have claim paid by the VA, the case needs to be closed because its not right for me to have to pay for medical when the VA pays 100 % of all my medical. 
The VA XXXXXXXX XXXX number is XXXX. My reference number is XXXX. The conversations are documented there.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that the Bankruptcy Court does not associate with any creditors or inform them of any information regarding consumer reports. Therefore, the information being reported is incorrect and should be removed from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I have attached the following documentation to support my claim that this bankruptcy notation is erroneous :
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX. states I have rights to privacy 15 U.S.C. 1681 section 604 A section 2 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX PM Spoke to XXXX Rep in their Pay Off Dept. ; ( Refi Officer asked that I contact them for a corrected Payoff Statement ), was told take I missed a Mort. payment, although she could not tell me when ; prior to calling, uploaded Banks Stat from XX/XX/XXXX thru XX/XX/XXXX showing payments made to XXXX in their online portal. Tried to get her to verify receipt, she would not. I'm trying to Refi ASAP ; XXXX countinues to submit Pay Off Statement showing I missed " XXXX 's '' pymt ; I did not ; When I messaged XXXX on their portal, they thank me for that pymt, and that they now would be apply to " XXXX 's '' missed pymt ; I did not. 

XXXX has reported to Experian that I missed XXXX 's mortgage, I did not. The proof is attached and was also given to XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX I looked at my Equifax credit report on XX/XX/scrub>XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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.

And according to 15 USC 1681s-2 they are suppose to 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

My husband and I have a joint credit card with USAA. We had mistakenly thought we made a payment on it, and we had not. Our mistake lead to us somehow going only XXXX dollars over the " limit '' which I 'm not sure why they allowed in the first place. Instead of contacting us to inform us that we were over the limit, which we would have payed instantly, they reported it to the credit bureaus and our scores have both dropped by XXXX points. Upon trying to contact them to resolve or dispute this issue, I was transferred around in circles between USAA and XXXX for XXXX minutes, and could not find a single person to explain why it had happened or provide any type of resolution for the future.
Product: Debt collection

XX/XX/2021 I settled a debt owed to XXXX XXXX XXXX, who was claiming to represent Midland Funding. I have the confirmation documentation of the payments receipt. 

Upon negotiating and receipt of payment it was understood that XXXX XXXX XXXX, would inform their client, Midland, of the payment received and under Midland 's standard " pay for deletion agreement '' the account would be removed from my credit within 30 days. This agreement was negotiated with XXXX XXXX of XXXX XXXX. 

On XX/XX/XXXX the account remained. I contact XXXX XXXX of XXXX XXXX who informed me that the fault is on Midland. She told me to call Midland. I called Midland who claimed they had no information on the account and no record of payment and told me to call XXXX. 

I have called and emailed each company over 6 times in the past 50 days. Each company is claiming they can not speak to me about the account and that I need to call the other company. XXXX XXXX has stated that she will " Reach out to management '' however has not provided any follow up correspondence. 

As it stands now : - It appears that XXXX XXXX simply pocketed my payment and is refusing to tell their client Midland.

-Midland as a result is refusing to mark the account as paid and remove from the credit bureaus. 

These actions are preventing me from obtaining a home.
Product: Vehicle loan or lease

ON XX/XX/XXXX FOUND OUT COMPANY WAS REPORTING ME LATE FOR XX/XX/2018 PAYMENT - INACCURATE AND I CALLED AND THEY CONFIRMED. THEY SAID THEY WOULD GET THIS HANDLED. AND I WANTED A LETTER CONFIRMING THIS AND THAT THEY WOULD FIX. I STILL HAVE YET TO RECEIVE THIS LETTER EVEN THOUGH I HAVE CALLED 10 TIMES AND DONE ONLINE CHATS. PROMISING 24-48 HOURS FOR A LETTER. THE LETTER IN WHICH I WOULD USE TO GIVE TO MY MORTGAGE LENDER AS I AM TRYING TO REFINANCE AND THIS IS HOLDING UP THE REFINANCE. I CALLED ON WED AGAIN XXXX AND THEY SAID 24-48 HOURS WHICH IS TODAY AND NOTHING. I NEED THIS FIXED. AS A COURTESY THEY ALSO PROMISED THEY WOULD REMOVE XXXX 'S ( XX/XX/2018 ) LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I just telephoned Navient a few moments ago. I asked them kindly to remove my mom and my ex-brotherinlaw from my private loans. I also requested they lower my interest rates on all XXXX private loans and to please consolidate my loans into XXXX. They said no they do n't consolidate and refused to lower interest rates or remove my mother and ex-brotherinlaw. I currently owe {$33000.00}. I owe more than I borrowed and this is now the forth time I 've requested assistance from them. They are unhelpful and unyielding assisting. I strongly feel I 'm being taken advantage of. The last time I called to try and lower my payments, they requested my mothers and my ex-brotherinlaws income. I found that awkward and when I asked why, I was informed Navient would have to take into account their income as well, although they are only co-signers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} ; XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We have been in a dispute with a cleaning company, XXXX XXXX, about services not rendered satisfactorily. They claim we owe {$330.00} for 2 cleanings in XX/XX/2023. After much back and forth with them, they sent us to an alleged collection company, New World Collections , Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ), after what they wanted. We have exchange letters with them asking that they verify the debt as valid and also on their authority to collect on it. We received back from them basically the same letter with alleged invoices for services, which we contend were not satisfactory, that appear to have been done on a word processor that anyone could make and absolutely no information on their authority to collect a debt. I don't even have the name of a person to talk to. As far as I can tell, they are not registered to collect debts in my state of Indiana and I have no assurance of anything.
Product: Payday loan, title loan, or personal loan

I the consumer, applicant and natural person, was denied by Navy Federal when I applied for multiple personal loans.

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 1691c and is pursuant to civil liability under 15 USC 1692k You are subject to criminal liability for violating 15 USC 1691 as I have proof that i was discriminated against by Navy Federal due to the response i received which is attached.

Navy Federal is in violation of 15 USC 1642, 15 Usc 1681m and 12 CFR 1002 because I, the consumer and applicant, made an application in good faith with good intentions, but credit was not issued.

Furthermore because my credit card ( social security number ) was used and I the cardholder of that credit card received NO benefit. This is proof of FRAUDULENT ACTIVITY ( unauthorized use of credit card ) on behalf of Navy Federal If Navy Federal fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card i will imdeed make Navy Federal criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o Thank you XXXX : XXXX beneficiary/agent Without Prejudice. All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. i did not provide written permission for the identied transaction to be reported on my consumer report. i am demanding that the information be locked and deleted. my request to block is not being made in error, nor is my request to block the identied transactions as information related to any transaction by me 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been fighting this issue for years. The last letter sent was XXXX of this year, and nothing happened. 

The account is paid off and they will not remove it. I'm trying to buy a home and this messing up my credit profile. 

I paid this account off in XXXX of XXXX. It's an old account from XXXX. Its the department of education and I need it removed. 

I paid the account off, its still showing delinquent, and messing up my profile significantly, and it shouldn't be. 

If its paid and they wont change the status, then I need it removed. I need to purchase a home.
Product: Payday loan, title loan, or personal loan

Heights finance in Illinois I believe took advantage of the pandemic and sued me in small claims court a lawyer that I had hired failed to show up on my behalf I got hurt at work the day before and was incapacitated for three days and had a concussion that lasted 30 so I could not appeal and the court will not allow me to appeal the decision after I had pointed out to them that I could not make the hearing because I was incapacitated I feel like I did not get a fair trial
Product: Debt collection

I received an alert from all three credit bureaus which are XXXX, XXXX XXXX XXXX stating that I owe a debt to PROFESSIONAL FINANCE COMPANY which is false information. I have no knowledge of this debt and tried to contact this company ( PROFESSIONAL FINANCE COMPANY ) by phone ( XXXX ) XXXX and have not received any response from them. It's my right to protect my credit from people like this. I would like them to prove that I owe this debt and if they can't I need it to be removed from my credit immediately. I pride myself on paying my bills on time. This is hurting my credit.