23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am filing this complaint regarding an American Express ( Amex ) gift card valued at { {$500.00} }, which was provided to me by my employer as a reward. Despite multiple attempts to use the card at various merchants, the transactions are consistently declined. 

The card has been declined 4 times with a mix of in-person as well as online at merchants who accept amex gift cards. The transactions declined are as follows : XX/XX/year> - XXXX - declined ( tried to use for XXXX XXXXXXXX purchase ) XX/XX/year> - XXXX - declined ( tried to use for XXXX XXXX purchase ) XX/XX/year> - XXXX - declined ( tried to use in store for XXXX XXXX purchase ) XX/XX/year> - XXXX declined ( tried to use for online purchase for a backpack ) I have verified that the card was activated properly and attempted to use it at different locations to no avail. Additionally, I contacted the American Express call center multiple times to resolve the issue, but I have not received any assistance or a resolution. This situation has been frustrating and has caused inconvenience, as this reward was meant to be a usable benefit, but the funds remain inaccessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 12 CFR Part 1016, I have the right to privacy. On XX/XX/2022 I walked into the dealership approved for a vehicle. I noticed that on XX/XX/2022 that I have several inquiries from XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX that I did not consent to. I was already approved through XXXX  XXXX and did not see a need for these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my Credit report through XXXX for company Receivables management Account Number XXXX. XXXX did their research and Receivable management DELETED ths account from my XXXX report see attached corrected credit report from XXXX. However Receivable management still is reporting on my XXXX and XXXX credit reports which is hindering my selling my home and getting a approved for a new mortgage. I have contacted the office directly and received correspondence from XXXX XXXX and XXXX XXXX advising they have been trying to contact me and the debt was VALID this is false they have NOT been trying to contact me and the debt was not valid it was disputed after I paid this bill at time of service. How can they delete from one credit report and now still report on the remaining two. I am very frustrated and hoping your company can assist me before I have to seek legal counsel. Also they are reporting different amounts on EACH of my remaining reports which also conflicts with the correspondence they mailed with me with amounts being owed.
Product: Credit card or prepaid card

I had a Walmart card total credit limit was XXXX. I paid XXXX in XX/XX/XXXX, they closed my account after I made this large payment. But they continue to charge my bank and take money out. The balance I owe was {$67.00}. Walmart has taken  that amount over 5 times and I have proof. It is on my bank statement. Recently, they took {$73.00} in XX/XX/XXXX although my account is paid in full. According to my credit report. WHY IS XXXX XXXX continually taking money to put in an closed account, now they are saying I owe them {$130.00}. HOW? I HAVE NOT USED THIS CARD IN ONE YEAR AND MY ACOUNT IS PAID IN FULL WHERE IS MY MONEY GOING OR IN WHOSE ACCOUNT. Something is not right here plea.e investigate. They already caused my credit score to drop by closing my account, Now this. SOMETHING IS NOT RIGHT, what rights does a consumers has please help! 

On the attach document shows Walmart ACH means automatic payment in XX/XX/XXXX of XXXX they are just taking money for me, why. I have XXXX children and need to build my credit to get a house and unhonest company is hurting the small man.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

We own a cabin property located in XXXX XXXX XXXX that has four-separate RE parcel numbers and four-separate RE tax statements. The parcels are as follows : XXXX XXXX ( delinquent XXXX ) XXXX XXXX ( delinquent XXXX ) In XXXX, I logged onto our BSI account to determine what the mortgage loan escrow account balance was and discovered that two annual tax payments were made on XX/XX/XXXX. One payment was in the amount of {$1100.00} and the other was in the amount of {$2.00}. I called the BSI Customer Service phone number at XXXX, selecting the number to talk with the tax escrow department. Since my initial conversation, I had spoken with six to seven different BSI customer service representatives and was notified that the delinquent RE taxes due in XXXX were not initially paid in XX/XX/XXXX ( when the RE tax amounts were deducted from this escrow account ) but instead were deducted from our escrow account and paid in full in XX/XX/XXXX. After going back and forth with a customer service representative, I requested a copy of our escrow account disbursements, which confirms that these RE taxes were paid TWICE ( once in XX/XX/XXXX and again in XX/XX/XXXX ). I then called BSI and spoke with another customer service representative ( XXXX ) who informed me that I needed to contact XXXX XXXX XXXX. When I contacted the County, they confirmed that the RE estate taxes for these two parcels indicated above were not paid in XXXXbut instead paid in full in XX/XX/XXXX. 

Once again, I called the BSI Customer Service phone number at XXXX, selecting the number to talk with the tax escrow department and spoke with XXXX, Supervisor who agreed that these tax payments were deducted from our escrow account in XX/XX/XXXX and again in XX/XX/XXXX. XXXX informed me that he would do additional research to see where the {$1100.00} deducted from our escrow account in XX/XX/XXXX went. I spoke with the XXXX XXXX XXXX Supervisor to confirm that they did not receive payment from BSI Financial in XX/XX/XXXX for the delinquent XXXX RE taxes. After searching through their records, he did not find any other payments from BSI financial and indicated that BSI should check its records to see if the check sent in XX/XX/XXXX was cashed by XXXX XXXX XXXX and if it was to provide me with the check number so that they can confirm. 

I have requested written confirmation of where the {$1100.00} deducted from our escrow account in XX/XX/XXXX went. I have sent two written requests to the tax/escrow department at BSI Financial Services once in XX/XX/XXXX and again in XXXX. I have not received a written response or any additional information from them.
Product: Student loan

My account was scheduled to execute an automatic payment for the month of XX/XX/2023, but no automatic payment was executed and now my account is marked as " past due ''. There are similar complaints across the internet of Nelnet failing to execute payments, with a multitude of adverse effects on the student loan borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I claimed a chapter XXXX bankruptcy in 2008 and it was discharged with {$0.00} balance and I have disputed it with both credit agencies and it still will not come off my credit report..The local bankruptcy department had told me to file a complaint with you to get it taken off my trans union and XXXX reports.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not reporting accurately. I have XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I have attached a copy of my report to this complaint for the following dates ( XX/XX/XXXX and XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time. Thank you for your understanding and prompt action.
Product: Debt collection

I signed up for a gym called XXXX last year of 2016. I enrolled there for 3 months and canceled my membership directly with a sales associate. That person told me I was good to go and I successfully opted out of my contract. A month later, crunch billed me. I spoke to them in person and called and told me it was a misunderstanding. They repeatedly billed me month after month for a year straight and turns out from there lack of communication they have n't successfully opted me out due to the monthly bills and now i have a derogatory mark on my credit score which has affected my score significantly!
Product: Credit reporting or other personal consumer reports

The bankruptcy being reported on my credit report is inaccurate. The case you are reporting as valid and accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. Since a judge never saw a case, how can one be reported? 

Please see this account is removed from my file at once. 

Bankruptcy XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I scheduled an auto pay with my mortgage servicer back on XX/XX/2021, and since then the payment was automatically withdrawn from my account. Without receiving any notice from the servicer, the company submits a 30 day late payment for my XXXX statement period. When I contacted the servicer, they admitted that it was a mistake and asked me to dispute with credit bureaus. After submitting the relevant information to the credit bureaus, they refused to remove the late payment with out providing any proof that I was late.
Product: Student loan

I am writing to request that proper action is taken to discharge my remaining 4 loans as of XX/XX/year>. 

As of XX/XX/year> ( see attached ), the FSA stated that I only had one more payment to make and now I am seeing an underhanded effort to push it out one more month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has continued to report an account on my credit report after I have disputed it numerous times. I have written them to let them know that tin addition to the reporting debt being inaccurate, the company in question, XXXX XXXX XXXX is NOT licensed to collect the debt in my state.
Product: Credit reporting or other personal consumer reports

I recently examined my personal credit report and discovered numerous fraudulent accounts that are impacting my credit score and hindering my ability to secure credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.
Product: Credit reporting or other personal consumer reports

there are a series of unauthorized Inquiries on all 3 of the credit reporting companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I want these inquiries deleted.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 : A wire transfer was made to an entity called XXXX XXXX XXXX ; amount = XXXX USD from my XXXX XXXX account. The recipient turned out to be a money mule for the investment scam at XXXX XXXX. No goods or services were provided. I have created a wire transfer recall request CASE # XXXX with XXXX XXXX XXXX  on XX/XX/ and so far have not heard back on my request
Product: Debt collection

XX/XX/year> XXXX name : FMA Alliance , Ltd . 
File Number : XXXX Current Creditor Account Number : XXXX FMA Alliance , Ltd. XXXX XXXX XXXX. XXXX, TX XXXX Phone number : XXXX I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed and validation is requested. 

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following What the money you say I owe is for? 
Explain and show me how you calculated what you say I ow. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgement. 
Provide me with proof that I entered into a contract with your collection agency or your law firm. 
I am requesting Assignment Contracts. 
Copy of the original contract bearing my signature that I signed on for this debt. 
Payment history from the original creditor that show payments. 
I want the name and address of the original creditor. 
I want proof you either own or were assign this debt. 
If your office has reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX about not releasing the lien and not providing the correct balance informatio to all 3 credit reporting agencies for months. The loan was paid in full on XX/XX/2018. I called the company on XX/XX/18 and they emailed the lien release. All credit reporting agencies are reporting a loan balance of well over {$7000.00}. There is a XXXX  balance. This needs to be corrected immediately as this has affected several recent lines of credit that I have obtain including the purchase of a new automobile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX, and TransUnion have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that XXXX, XXXX, and TransUnion continue to report on my credit file : Bankruptcy Case ID # XXXX. I also contacted the United States Bankruptcy Courthouse in XXXX, GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from XXXX, XXXX or TransUnion trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from XXXX, XXXX or TransUnion regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. XXXX, XXXX, and TransUnion are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. XXXX, XXXX, and TransUnion are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX, XXXX, and TransUnion have yet to verify. Also, XXXX informed me that they were not going to reinvestigate this information again unless I send additional relevant information.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$420.00} XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting

A company by the name of Clarity Services , Inc in XXXX, Florida has been accessing my credit file on behalf of XXXX different pay day loan companies. I have never done business with or worked with any of these companies. They have improperly used my social security number and I have no idea how they obtained it. I want all these inquires removed as well as all of my personal information from their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, US DEPT ED account XXXX, XXXX account number XXXX XXXX have all 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 an account without my written instructions
Product: Debt collection

Portfolio Recovery Associates , LLc committing Identity theft. I am a Federally protected consumer. I never gave Portfolio Recovery Associates any permission to use my Identifying information to commit mail fraud by contacting me about an alleged debt. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I demand all illegal activity cease and desist. Portfolio Recovery Associates , LLc are in violation of 18 USC 1028A aggravated Identity theft. You are hereby notified Pursuant UCC 1-202f.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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: Credit reporting or other personal consumer reports

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Product: Student loan

Since XX/XX/XXXX, I have been going back and forth for months to have my request for income-driven repayment processed and approved. Finally, in XXXX I was told my application 'expired ' since it was not processed by FedLoan within 90 days and had to resubmit all documentation for the third time. I had been previously told otherwise and spent countless hours on the phone trying to figure out what was going on. In between this time, I was told that I had to pay a standard plan payment while I waited for a decision. Not being able to make a payment over {$1500.00} a month, I was forced to go into forbearance while interest accrued. They continuously provided me with confusing and contradicting information, specifically when recommending which plan to choose and about the status of my application. Anytime, I called back with questions I had to speak with someone else and received a completely different answer. Twice agents told me they were not sure why another agent made their recommendation as it did n't make sense. The lack of knowledge and errors is infuriating and unacceptable ; it not only takes time out of my work day but I am left clueless with no where to turn after each call. 
Due to the misguidance of multiple FedLoan Servicing customer service agents I start XX/XX/XXXX in the same place I was last year, misinformed regarding my loans and still receiving inconsistent answers. The question is do I give in and now pay the incorrect calculation in order to move forward ... Or continue fighting for complete, accurate, and up-to-date information about my finances? Student loan holders not be forced make this decision!
Product: Credit reporting or other personal consumer reports

each company listed has violated my rights as a consumer specifically, under the FCRA 15 U.S.C. 1681b, 15 usc 1692 & 15 usc 6801, 18 U.S.C. 1028A, 15 usc 6802 ( b ) and lastely 15 usc 1681 ( N ) ( b ). Then when asked to provide such documentation they ignored me. each letter was notorized and sent with signature tracking to show the dates received. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinsertion of Autores XXXX on my credit report. I previously disputed this account, and it was successfully removed in accordance with the Fair Credit Reporting Act ( FCRA ). However, I recently reviewed my credit report and found that this account has been reinserted without proper notification, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA.

Under the FCRA, if an item is reinserted after being removed due to a previous dispute, I am legally entitled to written notice within XXXX business days of the reinsertion, along with certification from the data furnisher verifying its accuracy. As of today, I have not received any such notification or verification. 
I am requesting the following actions be taken immediately : Provide written certification from the furnisher of the information verifying its accuracy and legitimacy. 
Explain the reason for reinsertion and provide the identity of the entity that requested it. 
Remove the account from my credit report if verification can not be provided. 
Please consider this letter as my formal request for reinvestigation. If the matter is not resolved promptly, I am prepared to escalate this dispute through arbitration or legal means. Please respond in writing within 30 days, as required by law. 
I have attached copies of my previous dispute correspondence and a copy of my credit report highlighting the reinserted item. If you require additional information, feel free to contact me at the provided details. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution. 
Sincerely, XXXX XXXX