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

I purchased a {$100.00} Visa Gift Card from a local XXXX. When the gift card package was opened there was a {$25.00} XXXX XXXX card in the package instead of the Visa gift card. I contacted Visa Gift Card services and explained the situation and provided the receipt information that was requested. I was informed that they could see the card had not been used and that the original card that I did not receive would be deactivated and a replacement card for {$100.00} would be issued. I received the replacement card in the mail and upon activation found that there was only {$12.00} on the card. I immediately called Visa gift card services again. I was informed that the previous rep failed to deactivate the card and while the card had been mailed purchases had been made using the original card. Now Im being told that I have to complete paperwork to dispute the charges and the investigation could take up to 90 days. Im having to do extra work and wait for an investigation when the company can verify that it wasnt me to begin with. At this point I feel like Im never going to get my money back and any help is appreciated.
Product: Debt collection

I have complained against them previously under claim # XXXX. When it showed up under my XXXX report, and now it is on my XXXX report. They have been told any credit dept was filed under XXXX of XXXX bankruptcies doc # 's were given. They say this is a new account from 2012, the name they say it was opened under is my married name. I was n't married in 2012 I was n't even with my husband in 2012. Company has never contacted me in fashion. I only found out about this account since I check my credit reports every year. I put a fraud alert on my credit accounts after the 1st episode which is how I found out about the 2nd incident.
Product: Vehicle loan or lease

I paid my vehicle off a year ago and never received the title. I tried to request a lost title from the dmv and learned that there was a lien on my car. I called credit acceptance and received a release of lien letter, I updated my address at that time. I tried again at the dmv to get my title but could not because credit acceptance was still holding my title electronically. I called credit acceptance and they released my title, after holding it for a year longer than they should have, and I confirmed my address a second time. I called the dmv to inquire about my title and learned that it is being sent to the wrong address. I paid the loan off on XXXX
Product: Credit reporting or other personal consumer reports

I am reporting that XXXX, XXXX, and Experian are improperly reporting student loans to my credit report. 

20 USC 1232g ( b ) The Family Education Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of my student education records..

I would like these 12 student loan accounts removed from my report immediately! The loans are from XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a credit card with Home Depot  on XX/XX/2020. They never responded to me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a letter in the mail from Big Picture Loans stating I was pre-approved for a {$800.00} loan. I logged on and applied for the loan. Although a statement appeared stating this was a " very expensive way to borrow money '' before I clicked to accept, I was not able to view the interest rate or total payments due until after I had received the funds in my account.
Once the funds were received, I saw that the interest rate being charged was 637.9945 % bringing the interest owed to {$3800.00} in addition to the original {$800.00} borrowed.
In addition, the loan stated that it would be paid off in 20 payments. However, until I agreed I did n't realize they would be deducting two payments of {$230.00} each from my checking account, for a total of {$460.00} being deducted each month. This is creating a great hardship in paying my monthly bills, such as my rent, electricity, etc.
I have so far made three payments of {$230.00} each. The loan principal is untouched although I have paid {$690.00}. I have no problem paying the {$800.00} I owe, plus a reasonable amount of interest. But 637.9945 % or {$3800.00} for a {$800.00} loan is unconscionable.
I regret ever clicking on their website. I should have just thrown that offer in the trash and I urge others Do Not Do Business with this company. But they prey on people that are strapped for cash. And the full amounts were not disclosed until after the funds were received.
I would greatly appreciate any assistance. Thank you.
Product: Money transfer, virtual currency, or money service

Hi, I sent two wire transfers from my personal chase bank account to a business account held at XXXX XXXX XXXXXXXX. 1st wire transaction, XX/XX/2022 : I sent {$10000.00} but the recipient account number was incorrect so the wire reversed but less {$45.00}, so I only received {$9900.00}. I was also charged {$25.00} for outgoing wire fee ( chase ). 2nd wire transaction, XX/XX/2022 : I noticed the error with the account no in transaction 1 and attempted to fix it but for some reason the changes did not save. I proceeded to do the wire transfer again ( {$9.00} ) - I paid another outgoing fee of {$25.00} and later found out that the wire was reversed, a {$45.00} fee was also deducted, so I received {$9800.00} I have called both Chase Bank & XXXX XXXX XXXXXXXX to find out why I never received back the full wire amount, none of them is claiming responsibility for the fees, they kept pointing fingers at each other, I have been transferred from department to department and called several times and spoken to different reps- each claiming the fee is from the other institution. I am imploring CFCB to look into this and help me recover the {$90.00} that was lost during these transactions. Thank you
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and have notified the credit bureau of the incident of the data breach. 

XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I had a Personal Account in Santander Bank at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX checks were cashed fraudulently from my Bank Account on - check XXXX - XXXX/XXXX/XXXX - {$2500.00} check XXXX - XXXX/XXXX/XXXX - {$6600.00} check XXXX - XXXX/XXXX/XXXX - {$9000.00} check XXXX - XXXX/XXXX/XXXX - {$7500.00} Totalling {$25000.00} The bank did not inform me that they are cashing any of these checks, these big amounts were cleared without informing me by any means from my personal account, I came to know about whereabouts about my bank Account when I came to XXXX in XXXX, since then I am trying to recover my lost money but it has gone in vain. I am an XXXX citizen and did n't know what to do regarding this fraud as I am not aware about how things work in XXXX, recently one of my XXXX friend who lives in XXXX agreed me to help on this matter, and I am taking his help An Affidavit of fraud was filed with the Bank in the month of XXXX XXXX and an XXXX ( XXXX XXXX XXXX ) was assigned for the case but he was on a holiday till XXXX XXXX when I got hold of him and he is still not cooperating, he does not reply to his email and most of the calls I make to him go on voicemail. I want {$45000.00} back from the bank as I have had to face a loss of {$25000.00}, interest costs, the opportunity cost, mental stress and mental harassment from the bank. thanks
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I started working on my credit report because I have a car loan from XXXX XXXX XXXX  with a balance of {$21000.00}. 
When I started disputing that account, I did it, because in XX/XX/XXXX I had an accident and my insurance cover a payment on the value of the car. 
I contacted XXXX XXXX XXXX  an ask them for all the information they have on that account, knowing that my balance couldn't be {$21000.00}. After two months of sending them correspondence, I didn't received any answer. Until XX/XX/XXXX, XXXX when I call them via phone, and they told me they don't have any account under my name, but I could call to GATESTONE COLLECTION COMPANY. After that, I called this company knowing the car appears on my credit report as a WRITE-OFF and under XXXX XXXX  XXXX. When they answer the phone, they told me they have an account under my name with a balance of {$1700.00}. 
I asked them to sent me all the copies of proof they have and they sent me only one letter with some inaccurate information, like my address, my name on the address section, my grandma 's name. and that balance, they haven't sent me any proof on how much the insurance paid, or why do I own them that balance.
Product: Mortgage

SN Servicing Corporation is the worst company ever to deal with. I literally watch my statements monthly to make sure they dont do any funny business. First they added force insurance on my loan when I had home owners insurance and now they made changes to my unapplied funds that I already had paying extra payments towards my principal. No communication was ever sent out asking me or telling me anything and I have proof that they changed it on my statements. They got my unapplied funds going to a prior servicer and XXXX not even sure they are owed. Either way I want my unapplied funds to continue going to my principal cause I will be refinancing my loan to get rid of this shady company. My mortgage is paid on time and it appears they are always looking to find something wrong and they cant. I pay my mortgage, taxes and everything else. I just wish they sell my loan to another company cause they are shady and they need to be audited. Every account they service needs to be audited. I hope they do a class action suit cause I will gladly join. They never said anything about my information being breach and had people calling my phone pretending to be them but yet they can make changes to my hard earned money without telling me. STRAIGHT FRAUDS
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, XXXX XXXX  : XXXX XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  : # XXXXhas violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 generallf, 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: Payday loan, title loan, personal loan, or advance loan

Started a treatment with XXXX who went bankrupt weeks after my treatment start and I was informed that I was still obligated to make payments even though I was getting XXXX of the services I originally paid for. In addition my XXXX  did not fit and I was informed to contact XXXX however they went bankrupt making me unable to contact them. And whenever I try to get information on what is to be done on balance for product and service I never properly received I am threatened with collections even though I was within the window or return and refund.
Product: Credit card or prepaid card

There is fraud charge coming on my Amex Credit Card and i reach out to Amex three times on phone and they didn't block it. Charges keep appearing on my card for almost a year. Amex Customer service is not helping. Every time i called they said they are putting block and charge keep coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this unverified account with National Credit Systems. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.
Product: Debt collection

TRANSWORLD SYSTEMS KEEPS CALLING ME ON MY XXXX PHONE... THEY ARE ASKING FOR SOMEONE, BUT I AM NOT THE PERSON THEY ARE LOOKING FOR.

THEY CONSTANTLY CALL, CALL, CALL AFTER I TOLD THEM TO STOP CALLING. MY NUMBER IS REGISTERED ON THE DO NOT CALL LIST.

I BLOCKED THE NUMBER -- > BUT THEY OVERRIDE THE BLOCK.

THEY REFUSE TO TELL ME WHY THEY ARE CALLING IN THE FIRST PLACE ( I KNOW WHO THEY ARE, A NOTORIOUS THIRD PARTY DEBT COLLECTORS THAT LOVES TO BARGE INTO OLD EXPIRED DEBTS AND COLLECTION FOR MEDICAL, HOSPITAL, ETC BILLS ).
Product: Credit reporting or other personal consumer reports

I have disputed XXXX fraudulent inquiries on my credit report with Equifax 3 times, 2 times on the their website and XXXX time over the phone. The first time I believe that they didn't I investigate them at all because they was marked factual and I know thats a lie. I then disputed a second time and and the inquiries were marked as deleted. Well I've viewed my credit report and sure enough they are still show up. I called the XXXX time I called on XX/XX/2023 and I was told they would pretty much just look into it and fix the issue. Well I received nothing any of the times alerting me they had finished and fixed the errors or fraudulent inquiries. This is because they are still on my report. I have results where they say they was deleted and the phone call as well they was going to fix the issue and they haven't. I'm attaching proof with this complaint/demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed on a loan for a friends motorcycle. He wrecked the bike and insurance paid out the balance. He got XXXX and there was apparently an amount that wasnt paid by insurance and it went delinquent for 180 days. Nobody ever contacted me about this and its reflecting poorly on my credit report and preventing me from qualifying for a home loan. I tried to dispute it and experian told me I was wrong. I just recently was informed they have to be able to prove that I was contacted for this to have it on my report, and since I wasnt contacted they cant prove that. So I wanted to get it off my account now so I can buy a house.
Product: Credit reporting or other personal consumer reports

I have discovered after recently obtaining my credit reports from TransUnion and XXXX that there are inquiries that I did not authorize. I have included a report filed with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eqifax did not follow law they didnt follow the 30 days demand to comply law also I sent in my FTC report over 30 days ago for fraud inquiries this incorrect information needs to be deleted Inquiry Name : XXXX Inquiry Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX Date : XX/XX/2021 Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Name : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Date : XX/XX/2021 XXXX
Product: Debt collection

I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit card or prepaid card

I setup AutoPay for my Bank of America VISA credit card in XXXX and called Bank of America to verify it was setup correctly. I was assured by customer service agent that AutoPay was setup and my payment would be debited from my bank account on the due date XX/XX/XXXX. However, I noticed on XX/XX/XXXX, there was no payment made to my credit card account. I called Bank of America customer service who informed me that the AutoPay will take few statement cycles to setup and took my payment on the phone and was assured there would be no late fees. However, I noticed on my XX/XX/XXXX statement, I was charged a {$25.00} late fee. I spoke to XXXX ( XXXX ) XXXX in Bank of America customer service today ( XX/XX/XXXX ) and explained the situation. XXXX refused to waive the {$25.00} fee. 

It is unfair to charge me {$25.00} late fee, when I signed up for AutoPay in XXXX and failure on the part of Bank of America to withdraw the payment on the due date XX/XX/XXXX. Despite my best efforts to validate the AutoPay setup, I am being unfairly charged a late fee after being a customer who has paid on time since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced with XXXX in XX/XX/2022. The loan is mortgage only. We pay for insurance and taxes directly. In XX/XX/2022, In XXXX, I noticed that my mortgage payment would be put into Unapplied Funds and taken out and that a late fee was attached and removed. Thinking this is odd, I called XXXX and learned they imposed this escrow representing homeowners insurance because they thought I didn't have it. I sent them a copy right away for XXXX ( you can tell the save doc on the attachedpdf ). the next time I check my paperless statement, the escrow is still there. So I call again to learn they needed the policy year prior, XXXX. Again I provide it to them right away. While I provided the documentation, they do not remove the escrow account which is causing my payments to be treated as late because they are not receiving the full amount due in their eyes. How they handled the payment I sent was to deposit it into an " unapplied funds '' account. 
I called them a lot and got a different person every time. Each one would say " Well you owe the escrow '' and I would explain the situation, be put on hold for a long time, and get the same answer that it would be fixed. Finally, XXXX person around XXXX got the escrow removed. For some reason, the company then sent me the amount of {$110.00} representing XXXX month 's escrow for the homeowners ' policy they instituted that was never needed. Again in calling, I learned I had to pay them back for this in order for the XXXX payment to process on time. While I thought I had this wrapped up once and for all, they reported XXXX as late and imposed a late fee. I have tried vigorously to get someone to change the status on my credit report but to no avail. I believe that calling them is a waste of time and an invitation to further stress and aggravation. I NEED HELP. My credit has been negatively impacted and the timing is horrible because I need to buy a new car but can not because my credit is in " XXXX '' status when normally it is XXXX and above.
Product: Debt collection

I've Sent 2 609 Letters To XXXX Disputing Collection Accounts With XXXX XXXX XXXX. I Don't Know Who These Companies Are And I've Never Done Business With Them Or Signed Into Any Agreement With Them. I Advised Equifax That According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify. I've Demanded To See Verifiable Proof Back And Still Have Not Seen Any Or Gotten Any In The Mail. I Spoke With XXXX With Equifax Who Was Rude And Not Very Helpful. XXXX Also Put A Block On My File So When I Call In I Can not Get Assistance, Forcing Me To Only Deal With Equifax By Mail. XXXX From Equifax Who Was Clearly From A Foreign Country Out Of The US Had Me On Hold For Almost 2 Hours And Then Disconnected The Call When I Asked To Speak To A Supervisor. I Would Like These Collections Accounts To Be Deleted Immediately.
Product: Money transfer, virtual currency, or money service

Ever since I had cash app, either Im not able to access my funds like I should or they never go through or just like I deposited XXXX dollars on Friday and now they closed my account for no reason and now Im not able to get my money off the account and nor am I able to link another bank or anything to retrieve those funds either.. .this is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Credence Credence continues to re-age an charged off account and XXXX continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XXXX/XXXX/2018.