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

This letter serves as a formal request for a full refund on the product that I bought. 
I purchased a GIFT CARD on XX/XX/2021 and paid a total amount of {$500.00}. XXXX. The gift card was being used by some else. 
It seems that the product is defective and that it is not functioning properly. The specific problem with the product is that Gift Card is a scam, and the US bank is fully aware of the problem. The US bank duplicates gift card numbers. 
Gift cards can be tampered with at the store, she said, by XXXX who grab stacks of cards, remove the security tape from each gift card, and then take photos or write down the cards secret 16-digit activation code. 
Many times, the cards don't look like they've been tampered with because new security tape is placed on them. But consumers are warned nonetheless to be on the lookout for signs that someone damaged the card 's packaging. 
The bad actors, XXXX said, are able to use technology to monitor when the compromised cards are activated. Soon after money is loaded onto the card, the scammers will the use the activation code to steal the money. 
" As soon as that card hits the cash register, they're pinged, '' XXXX said. 
The value of the card can end up being drained by an outsider, without ever leaving your hands. 
I read your terms and conditions, and I am well aware that customers are entitled to a full refund for a defective product.
Product: Debt collection

I contacted Ally Bank and requested validation for a debt they hold in my name onXX/XX/2021. I have not received a response back from them. Since they have not responded in the allowed timeframe ( 30 days ). By law they are required to Cease from any and All Collection activity and promptly delete any accounts they hold in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need all these accounts removed IMMEDIATELY. I filed my complaint over 30 days ago and no one responded so I need these accounts removed immediately. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This was my complaint
Product: Mortgage

MrCooper/Nationstars reported a 30-day late payment to credit bureaus, even thought it was caused by their own technical problem and failure to communicate with client. 

1 ) My mortgage payment had always been set to " autopay '', since it was transferred to Mr.Cooper from another mortgage servicer last year. 

2 ) Around XX/XX/XXXX, there was a temporary issue on the bank ( XXXX  ) side which prevented the auto-pay transaction from going through, the problem only affected electronic payments and it was resolved within a week. 

3 ) The affected the autopay transaction for the month, it didn't go through. However, MrCooper issued a false statement on XX/XX/XXXX ( electronically delivered on XXXX ), it showed that the payment on XX/XX/XXXX was successful, and the next due date is XX/XX/XXXX. 

4 ) This false statement was deceiving and never got cancelled or corrected, it gave me a false impression that the banking glitch didn't affect my mortgage payment. 

5 ) MrCooper later claimed they issued a NSF letter on XX/XX/XXXX, however, this letter was never sent out either physically or electronically, to this date, it still doesn't show up in my account 's document list. This was probably caused by, a ) A defect in their document system, or b ) Someone generated the document at a much later date but couldn't properly back date the file to insert it into my document list. 

6 ) During the 30-day period ( XXXX ) Mr. Cooper never tried contacting me about the transaction issue. ( When I talked to their representative on XX/XX/XXXX, they admitted that they didn't send me any mailing notice or made any phone calls on this matter ). 

7 ) On XX/XX/XXXX, 33-days after the failed ACH transaction, they finally issued an " ACH Confirmation/Rejection letter '', they placed this document in my account 's document list, and emailed me with a very inconspicuous subject of " You have a document to review ''. 

8 ) On XX/XX/XXXX, they finally contacted me via telephone for the first time, and, I was very surprised to hear that, and paid the balance over the phone immediately. They also surreptitiously inserted two-months late fee into the total amount without explaining the numbers to me. 

9 ) On XXXX, they reported to credit bureaus that the payment was " 30 days '' late. 

10 ) On XX/XX/XXXX, I called their credit department asking for an explanation on why they never corrected the false statement and never notified me when the auto-pay transaction failed. They said my phone number was marked as not-to-contact ( yet this was the same number they used a month later to call me ), they also couldn't explain why no USPS notification letter was mailed. It's likely to be part of their cost-saving measures.
Product: Checking or savings account

On or about XX/XX/2020 I was at the store trying purchase gifts for my daughter where i was informed my card declined. I called Capital One Immediately to see what was the reason and I was transferred to the investigations team. They sent me to a voice mail I left several messages and no one has yet to return my call. I spoke with a young lady on XXXX XXXX  and i was inform informed to send verification that i own my own business to and email address, I've done that I called back on XX/XX/2020 and i was inform that my account will because closed due to a grant that i received back in XXXX or XXXX. I was always informed by a capital one representative that i will not get my funds that i worked hard for thats in my savings and checking account back if someone can please assist me on how do i go about getting my funds out this account they have a restriction on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, my truck was PARKED, unattended in a XXXX space at XXXX. I was paged by Security to return to my vehicle. An XXXX  woman had backed into the right-rear corner of my truck. She called Police and waited. We exchanged information, including HER insurance. The XXXX Police Officer wrote a report. Don't know if she was given any citation. In XXXX, I was trying to change my insurance to another company because of random rate increases. The new policy I wanted, the company found information that XXXX XXXX had reported an " At Fault '' accident. I contacted my insurance company and they provided me with a memo stating that there had been ZERO % Negligence, NOT at Fault. XXXX is STILL putting that information out, more than 2 years later. Apparently Insurance Agencies can't correct their MISTAKES. At this point I will try one more " Complaint '' and then if XXXX does not correct their MISTAKE, I will file a lawsuit. I am an XXXX year old, XXXX XXXX XXXX XXXX  and I have neither the money or the intent to continue with the XXXX mistake. My auto insurance cost me HUNDREDS $ $ more because of them. Thanks.
Product: Money transfer, virtual currency, or money service

A lot of the money I reported I didnt get back at all because I couldnt talk to a representative
Product: Credit card

On XX/XX/13, XXXX XXXXXXXX added a {$30.00} late fee for an account with a {$400.00} credit line. This is excessive and a junk fee. They can not reasonably have incurred expenses equal to {$30.00}. They need to charge late fees that make sense and aren't just extorting their customers.
Product: Checking or savings account

On XX/XX/18 a transfer was initiated from my mobile APP of {$1000.00} from my checking account to what was suppose to be my Saving account however after checking the saving account there was no money in the account. after checking the account it appears the transfer went to my credit card account ending in XXXX. Immediately after the transfer I had called the bank to cancel the pending transfer and instructed the representatives to move my money back to my checking account immediately as the funds will be needed. I was instructed to wait till the payment posts to the credit card account at which point the refund can be requested, this is not acceptable as the transfer was just initiated and should/could of been canceled immediately by the bank. Spoke to a manger by the name of XXXX XXXX - manager advanced client services who then advised the transfer would take 2-5 business days to process. This timeframe is unacceptable by all means from a large financial institution and the bank should do better to allow for these errors to be fixed immediately not 2-5 days. Due to the banks restriction on the use of my own money I am not able to make a large purchase that I need to complete within the next few business days which may result in a large financial loss on my part. If such a loss is incurred the bank will be held finically responsible at which may result in a lawsuit being filed with the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

First National Bank of Omaha today re-aged my original bankruptcy date from XX/XX/XXXXto XX/XX/XXXX. This is a violation of the FCRA and a violation of the bankruptcy order. This company continues to do this every time they submitted updates to the credit bureaus. Attached is proof of this activity. The credit bureaus say its the creditor and the creditor says its the credit bureau.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of birth XX/XX/XXXX  I just received my investigation results, and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX  XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXXXXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made requests for my credit report on Free Annual Credit Report and via phone over the last few months, but Transunion refuses to either mail a report or provide access through Free Annual Credit Report. 

I've requested a copy on the Free Annual Credit Report website weekly and I called TransUnion on the following dates to request a report : XX/XX/2022 XX/XX/2022 XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

An account on my consumer report is reported as charge off status and that should not be on my consumer report. According to the IRS any companies cancelled or charged off debts should be filed as a 1099-C and written off as income. By law its iiegal to to furnish this on a consumer report. I demand this account be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Good afternoon, On XX/XX/2020. This account was placed on my credit report as a collection for the amount of XXXX. However, I never received any notification of this debt. I tried to get the company to verify this debt but they did not send me anything that shows that I owe this debt and I sent this on XX/XX/2020.
Product: Debt collection

I informed the agent that the debt was paid and not owed. And need the account removed from my report and i was told that they don't remove anything from the report but i could pay additional money and they would tell the report agency that it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am filing this complaint personally. An examination of my credit report revealed late payment entries. I sent correspondence over a month ago but have received no reply, nor have they adequately validated these entries. I seek your help in addressing this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Student loan

The private loans I have through XXXX XXXX were switched to Navient. Navient is not very nice when it comes to loan repayment. After taxes, I bring home XXXX monthly. They have me on a payment plan paying {$250.00} a month. I am a single mother with XXXX dependents. I do n't find this to be affordable. They also try to dictate what type of lifestyle you should live and will only give you a payment plan if you fall within those guidelines. For instance, I got into a car accident and had to get another vehicle. Well I got an SUV, they denied giving me a repayment plan because the vehicle I was paying for monthly was not what I should be driving. The lady told me they only allow a vehicle to be XXXX or less when on repayment plans, absurd. I 'm so afraid to purchase a home because I 'm afraid of not being able to apply for this repayment plan again and be forced to pay $ XXXX monthly. They are n't considerate and I 'd like to know what I can do about this.
Also, many where part of the lawsuit with Navient that caused their loans to be deleted. If I happened to be part of that group would they delete my loans even though I 'm in repayment on a repayment plan?
Product: Checking or savings account

I submitted a complaint to the CFPB ( Complaint number XXXX ) regarding Bank of America charging for NFCs. The case was closed by the CFPB, and I was told to contact BofA to get my issue resolved. They know nothing of the case, can not give me a written response to the complaint and I have been going around in circles with the customer service reps at the bank. I need the FCPB to reopen the case and to have a written response sent to me via email or snail mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding XXXX XXXX , XXXX at XXXX - This account is still being reported to the Credit Bureau ... XXXX & EXPERIAN. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have XXXX & Experian remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..
Product: Credit reporting or other personal consumer reports

One Main reported to lates on my credit account and none of them are correct. Two lates were reported on XXXX and XX/XX/XXXX and one in XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Product: Credit reporting or other personal consumer reports

XXXX will not remove XXXX inquiries off my credit report, I've removed my fraud alerts so I can establish credit, but they will not respond to remove XXXX inquiries off my account, please forward complaints to corporate office and XXXX, alone with XXXX XXXX, and the attorney general office of there state, complaints filed to fcra
Product: Debt collection

XXXX from XXXX XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact XXXX owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with XXXX, her employer. The phone number she gave was XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account number # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 c a 5 sections 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 7 years 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information related 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 or prepaid card

I received a letter from Chase Bank that said my application needed more information for the Chase Freedom Visa Signature application. I have not tried to open a card or any sort of account with Chase Bank. It stated the information they needed to verify was my date of birth and proof of physical address. I called the number gave my reference number that was found on the letter and the representative closed the application and marked it as fradulent. I ran my credit report and saw that there was one instance of a credit check that was not supposed to be on there from Chase Bank completed on XXXX