23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Received visa gift card XX/XX/2022. Card website : XXXX  Should have {$100.00} balance Tried to use card in store- was rejected Tried numerous times to register card online, always received message to call number on back of card. 
Called number on back of card : 1st time was told to try different browsers, clear cache, etc - all to no avail 2nd time no answer, unable to reach live person or voicemail 3rd time was told call being transferred to someone who could help - call went to no one and was cut off 4th time no answer, no voicemail 5th time was told the same as 1st call 6th time was told a ticket was put in to fix the problem and wait five days and try again to register card online. Continued to get message there is a problem with your card despite numerous attempts to register online using different computers, browsers, clearing cache, using or not using VPN, etc 7th time told to try different browsers, etc. I explained everything that has happened so far with no resolution, agent then hung up 8th time told I could report that card is not working using link at bottom of website Tried multiple times over 2 months to report card not working using the link, using different browsers, different computers, etc, and always get message there is a problem with your card. Contact customer service. 
Calls to customer service again, get variations on the above
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Money transfer, virtual currency, or money service

A wired was made due to two man called me on the phone threatened me to send out wire. I realized this is Fraud .So I called my bank Chase within 30 mins after wire scheduled, and I asked for wire to be recalled due to fraud. They didn't do any appropriate action to recall the wire. The receipion is using same bank, chase have total control to stop the wire.
Product: Debt collection

I moved out of my apartment, XXXX XXXX XXXX, and was told I did not owe a balance prior to moving. I was told my balance reflected and amount of {$0.00} and I could simply just move out. A few weeks goes by after I moved and I receive a letter in the mail from a debt collector demanding a payment of {$160.00} to XXXX XXXX XXXX, I immediately contacted the property and was told the amount is due because I did not pay my utilities being trash, pest control, water, and sewage for the month of XX/XX/2019, XX/XX/2019, and XX/XX/2019. This is false because my utility bill is included with my monthly rent. The lady I spoke with did not fully explain why I was being charged that amount and refused to send me any information pertaining to the amount. This was not disclosed to me when I moved out or prior to me moving out and the property did not give me a chance to pay the balance nor did they tell me a balance was due prior to me moving. They turned me in to a collection agency and I had not been moved out of the apartment not even 30 days. Also, the property has since changed management companies and I even spoke with the regional director, XXXX XXXX, who told me over the phone that he would look into the issue, but never called me back and I called him four times after our conversation and did not hear back from him pertaining to this issue.
Product: Credit card

The fraud department answered when I called XXXX weeks ago regarding a charge that was noticed on line and the lady stated that my card was used within the last 30 days to purchase XXXX gift certificartes at a kohls affiliate in Virginia, for {$250.00} each. I indicated that neither I nor my wife have used my Kohls card in over 3 months and neither I nor my wife have been in Virginia in many months. we got a letter from Kohls 2 days ago, XXXX, asking us to make minimum due payment before XXXX. We received NO bill from Kohls. i DONT BELIEVE WE HAVE TO MAKE ANY PAYMENT. I appreciae your lelp. 
XXXX XXXX, Phone : XXXX e mail : XXXX. 
Please note all the store credit cards are in our possession and not missing.
Product: Mortgage

Carrington Mortgages Services , Inc. called me on XX/XX/23 XXXX. Their voice mail asked me to call them back... no name given. I called back. The person I talked to said they need declaration page for my home insurance. She didn't know which insurance they required the declaration ( mine or the condo association 's ), Since it was not clear what they needed, I requested a letter from them to be sent to me clearly stating what it is they need. She said she would request that. 

On XX/XX/23 I got another call supposedly from this company but my phone says the number is for XXXX XXXX XXXX. She said she was calling for Carrington Mortgage Services LLC and this is the number to call according to my Carrington Reverse Mortgage Monthly Statements. I told her that I had already talked to them the day before, and they said they would send me a letter telling me exactly what it is that they need from me. This person 's response was that she would make a note to my file, but that they can not send me a letter. 

I said the mortgage is on my property and if you are a legitimate company, you can send me a letter requesting what it is that they need from me. I have received letters from this company in the past, so I don't see why they can not do so now. She said she again repeats that they can not send me a letter and she would just make a note to my file. 

Please communicate with Carrington Mortgage Services , LLC at XXXX XXXX XXXX, XXXX, XXXX  XXXX and ask them to send me a letter ... XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX B, XXXX XXXX XXXX XXXX  XXXX... telling me what is that they require from me. 

Thank you for your assistance. 

XXXX XXXX
Product: Debt collection

Having major health issues for a few years. I had several medical bills sent to collection. Originally I had made arrangements to repay this debt. Due to my continued Health issues I have missed a lot of work, and my income has been substantially been reduced. So I am not able to pay {$200.00} a month any longer, but I do continue to make monthly payments. XXXX from national Business Factors is less than pleasant every time payment is made. Along with the threat of legal action, and wage garnishments.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting

I have contacted XXXX several times over the last several months disputing the above account for which they are inaccurately reporting to the credit bureaus. I have submitted written letters via USPS and electronic disputes requesting complete validation of the account, debt owed and my responsibility to pay said debt. I have called the customer service line multiple times and when I enter my social security number in the automated system it states the office is closed and I 'm calling during their stated business hours. After the phone disconnects and I call back and wait for a representative without entering my social then someone finally comes on the line after extended wait periods. Before I 'm even able to get the entire reason for my call my call is disconnected. I 've encountered this for almost 2 months now. Finally on XXXX XXXX, 2016 I was able to get the entire reason for my call out and the representative informed me that XXXX XXXX no longer had my account and the only information they have regarding my account is the balance owed of {$530.00}. She gave me the number of the collection agency to contact to pay the debt, XXXX XXXX XXXX XXXX. I contacted XXXX collection agency and spoke to XXXX XXXX who also informed me that they XXXX is a credit reporting agency but do not have access to report to the credit bureau. She stated they purchased the account from XXXX XXXX but only have the amount owed and no information regarding the open/close date of the accounts, any fees incurred, transactions, payments made or the validity of the debt. She stated she could send me a letter with the balance but nothing else. I have made several attempts to get accurate information and validity of this debt. I have disputed with all three CRAs and have requested information to validate this debt. Neither the CRAs or XXXX have provided me with accurate information after multiple disputes. The Credit Reporting Agencies state that they do not require Collectors to submit documents for accounts and even with disputes that they are n't required to have that information to validate debts. I 'm confused how this could be a process as I do n't even know what XXXX is stating I owe {$530.00} for. This situation as you can imagine is causing me XXXX as well as continued denials for additional credit.In all of my previous letters I have asked for an investigation into this matter and a full copy of all accounting documentation of this reported account be furnished to me. I have also made them aware that I was in full dispute over this account. To date, I have not received anything that supports that the account the yet they continue to report incorrect negative information to the credit bureaus. XXXX has failed or refused to send the legally required validation documentation of this account, my obligation to pay and the debt.
Product: Debt collection

Lakeside collection services will make repeated calls one after another without leaving voicemails, they reach out to family members via phone to tell them if I do not pay them they will sue me and I need to contact them immediately as well as going into detail about how much I owe and for what. Family members are not or were not on the XXXX credit card from 2015. Also this debt has been taken off my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/ XXXX XX/XX/XXXX  XXXX XX/XX/XXXX  XXXX  XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX  XXXX  XXXX XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CONSUMER REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, AND THEREFORE, IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Product: Credit card

Discover Card has stolen {$2800.00} from my bank account and not returned it in over 6 days XXXX so far XXXX. 
Details:1. My XXXX cycle closed on XXXX. I paid the balance in full on XXXX. I have " DirectPay Full Balance '' scheduled to pay the full balance from my checking account about 5 days before it is due. That automatic payment date was XXXX, but the XXXX balance was {$0.00} at that point. 
2. On XXXX Discover informed me that my account XXXX have been compromised and that they were sending new cards with a new account number. 
3. On XXXX Discover debited my checking account for the balance on my account for charges from XXXX to XXXX, which was {$2800.00}. 
4. I spoke with Discover customer service on XXXX. They admitted there had been a mistake on their part and that the {$2800.00} would be returned to me. They offered to mail a check or do a wire transfer. I requested a wire transfer and was told it took 3-5 days. Calls to Customer Service on XXXX and XXXX produced excuses that it was being processed and would take a few more days. It is now XXXX and Discover still has my {$2800.00}. 
5. It is fortunate that my checking account was not overdrawn by Discover 's " mistake ''. I can see how forthcoming they would be making that problem right. 
6. When I make a payment from my checking account on my Discover account, it takes less than a day for the transaction to complete. For Discover to make a deposit into my checking account and have it take over 6 days should be unlawful.
Product: Mortgage

Nationstar mortgage i feel discrimated and cheated.They send repeated bills with wrong amounts saying I owe.On XXXX XXXX which is the date my current mortgage amount us due i owe XXXX to get current with XXXX in suspense.9 days later i owe XXXX with only XXXX in my suspense my suspense should not decrease unless they mail it back to me.So my suspense decreases by XXXX and the amount they say i owe increases by XXXX it should be the other way around.Makes me question wheres my money going.I filed for a home modication due to change in income no contact as of yet.I feel cheated and ignored
Product: Credit card or prepaid card

My issue has been ongoing since    2016.    Discover has continued to delay my credit for the fraudulent transactions on my credit card. I have sent the company the documentation they were looking for and responded to the CFPB, stating that they needed " additional time ''. They have gotten over 1 year to " investigate '' this issue and clearly are purposely avoiding crediting me the CORRECT AMOUNT of credits.
i have included  XXXX  screen shot of an example of confirmations for sending discover faxes even though they state they never received them More documents will be uploaded over the course of the week.
Product: Credit card or prepaid card

Last XX/XX/2022 I spoke with a director named XXXX XXXX ID # XXXX to ask you to forgive me interest for an amount of {$430.00} originated by a purchase that was not paid at the time of the promotion I told him that if he paid the balance owed on that purchase, which was an amount of {$1000.00} could you forgive me interest. 

The director told me that of course yes, that it was a pleasure to do negotiation, and pay at that time {$1000.00} He told me to talk in two or three days so that they could forgive me the interest of {$430.00}. That he was going to leave notes in the system so that the forgiveness could be made. 
I spoke three days later and they told me that I was in the system, but that the cut-off day was going to be automatically reflected, which was XX/XX/2022. 

I spoke on XX/XX/XXXX because the interest credit was not reflected, but they told me that they were having problems with the system. 

Today, XX/XX/XXXX, I have spoken with 5 representatives and three of them tell me that the system does not allow them. I asked them to speak with XXXX XXXX XXXX and they tell me that they can not communicate with him The last two of the representatives left me on the line and hung up on me. 
I consider it disrespectful that I have paid the balance as was the agreement and now Barclays bank is not doing its part. 

I ask you please help me with this. 
Because my payment implied a decapitalization, and more in these times of lack of employment. 
I have never had delays in my account and I consider that they made fun of me
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending dispute with Equifax for a couple years now about a collection agency XXXX .There reinserting 2 collections that been disputed and deleted a couple times. The company deleted and then resell the debt to another collection agency. This debt not mine and I've showed these agencies the proof and it's still being verified as mine. XXXX has deleted from my report as well as XXXX   but Equifax continues to ruining my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian because they have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Remove all the accounts reported below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Chase Auto lost my payoff check for almost 3 months; caused my credit to be affected which I have later been able to fix. They now are giving me a hard time refunding my tax payments that i made to them and then had to also pay to the city. 

I have plenty of documentation to provide to prove my issue with them.
Product: Consumer Loan

On XXXX XXXX, 2016 Santander Consumer USA received a cashiers check in the amount of {$21000.00}. Santander claims they did not receive the check. Attached is a certified receipt from the XXXX. Postal Service proving the check was received. Also, attached is a clearance code showing the funds are available. On XXXX XXXX, 2016 a representative from Santander requested I fax in proof the funds were available. The clearance code and bank information was faxed to Santander. ( See Attachment ) The check was written by my brother, XXXX XXXX.
Product: Debt collection

A representative from portfolio recovery associates repeatedly called me even after I requested not to be called, was very rude and used profanity
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have been doing nothing despite the countless attempts I have done to dispute my Credit File. I have been sending multiple dispute letters as well as CFPB complaints requesting the correction of the disputed accounts from my Credit Report. Under the Fair Credit Reporting Act, the Credit Bureaus are required to verify the validity of the information being reported on my Credit File and provide the consumer documents of verification from the investigation the Credit Bureaus have conducted. However, even though the Credit Bureaus did allegedly verified the disputed accounts, the Credit Bureaus failed to send me copies of the results of their investigation. The Credit Bureaus have also been ignoring my Dispute letters and have failed to properly respond. I am now submitting this CFPB complaint today to inform the Credit Bureaus that if they do not abide by my request for the next 15 days and fail to correct the disputed accounts, I will be filing a lawsuit. It has been a long time sine I started disputing my Credit File and yet you have been indifference. Once again, I am requesting you to please correct the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX to after five months and 20 days PayPal stole {$5800.00} from my account and refuses to tell me why or what damages they incurred in order to steal this money from me. They are committing securities fraud. They are a total scam. They claimed they would give me my money back in 45 days at first if no damages were found. Then they claim they would give it back after six months and 10 days before that date they stole all the money. On XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$640.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}