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

I want to file a complaint with your office about gift card fraud and identity theft, where I lost {$160.00} after register my card online. 

I brought the gift card from XXXX for {$200.00} and received it on XX/XX/2021. I register at XXXX that was back on the card ; after entering the web address, it directed me to XXXX, and later found it was a fake website and stole my money on XX/XX/2021. 

I called the number XXXX on the back of the card on XX/XX/2021, and the customer service representative said that I end up going to a fake website after I enter the actual website on the back of the card. I was unable to login into the website site, I have enclosed a copy of the transaction history that company sent me via email. 


I only use the card at XXXX on XX/XX/2021 and XXXX  on XX/XX/2021 is when I notice that just {$3.00} was on it. 



My account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Debt collection

ACC and XXXX XXXX debt collectors call multiple times a week regarding a time barred credit card debt with XXXX XXXX XXXX. They called my stepchildren and left a voice mail regarding debt on my stepdaughter 's cell phone. I stated clearly by phone and text message ( they send texts too ) that the debt is time barred and advised them to stop calling. They continue to call. They threaten legal action on every call. Once collector last week called me names and threatened to sue me for everything I own. They have been calling for several years claiming to be an attorney and threatening to sue. They have never sent any documentation of a debt to me ever.
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 15 USC 1681. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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: Mortgage

On XX/XX/2022 I applied for assistance to get my mortgage paid. I was approved but my mortgage company pennymac is not partner with mshda-mihaf program so I am unable to get assistance. I was told by the program to contact my mortgage company to have them participate in the program. They act like they didn't understand and just telling me to tell mshda to just send yhe payment, i tried to explain the situation but no results. This program is willing to assist me with mortgage I am about to get laid off from my job and I know I do not get unemployment because I just started I need this assistance. Because I am on a modification right now and I can not afford to lose my home. Covid has put me behind alot, I just can imagine any one else in Michigan who has pennymac and can not get assistance and the money is available.
Product: Debt collection

My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with experian after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove address, inquiries and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items or information not later than 4 business days. Please remove the following items : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transaction.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 
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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

A couple of creditors is taking me to court pacifically one is LVNV I think they know that this person is not me apparently my name XXXX XXXX is a common name in Ohio and through court records. They show me XXXX people name XXXX XXXX XXXX Im talking to the creditors, letting them know that I dont owe no debt to DEAL my identity was stolen back in 2017. I found a report my wallet got stolen and thats when all this stuff started.
Product: Credit reporting or other personal consumer reports

I dispute the information currently being reported on my Equifax consumer credit report by XXXX XXXX XXXX ( XXXX ) for a CLOSED ACCOUNT and Current Balance : {$3800.00}, Reported Date : XX/XX/2023, Current Payment Status : Charge-off and Worst Payment Status : Charge-off. I dispute the following inaccuracies and request an immediate investigation and correction. Under the XXXX installment loan, a payment of {$2900.00} was made in XXXX of XXXX, with the intention of adhering to the regular monthly payments of {$580.00} for the remaining term of the loan. I dispute all information being reported by XXXX XXXX XXXX ( XXXX ) for this XXXX Account and the current balance of {$3800.00}. I demand that this account be deleted from my credit report for inaccurate, incorrect, and false information being reported in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


Late Payment Reporting After Account Closure : XXXX XXXX XXXX is reporting a late payment in XX/XX/2023, even though the account was closed prior to that date. This reporting is inaccurate and unjustified. 


Account XXXX : The account status is reported as " XXXX '' and " Derogatory, '' which inaccurately portrays my payment history and financial responsibility. I have never missed a payment on this account. 


XXXX XXXX : The reported balance of {$3800.00} is incorrect. I have made consistent and timely payments throughout the life of this account, and this balance does not align with my payment history. 


Handling of XXXX XXXX : I have concerns regarding the handling of insurance proceeds from the loss of my vehicle. XXXX XXXX XXXX mentioned receiving a settlement payment from XXXX XXXX on XX/XX/2023, which was applied to my account. This payment, in addition to my XX/XX/2023 payment, should have brought my account up to date under the XXXX installment and next due date in XX/XX/2023. 
I am deeply concerned about the inaccuracies in the reporting of this account, as it negatively affects my credit history and financial reputation. I request the removal of the inaccurate " Charge-off '' status and account derogatory remarks from my credit report. 


I trust that you will conduct a thorough investigation into these matters and take prompt action to rectify the inaccuracies. Your assistance in resolving this issue is greatly appreciated. Please provide a written response within the statutory timeframe stipulated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is practicing an unfair and rigged teeter-totter with a consumers score. If I one uses some of their available credit, they decrease their score by leaps and bounds but when I payments are made to decrease % utilization by paying off the debt and increasing again the credit available they only increase my peoples score by a fraction of what they take away based on the same amount. Just recently, they took 39 ( -39 ) points off my score when I paid off XXXX dollars of my total debt. This is the total opposite of what they should do and normally do. Every month or week they change and invent new scams to decrease the score and then bring it back up very slowly to keep people in the same range. This is the biggest scam to consumers that I have ever seen and should be stopped. It is a fraud being done to millions of consumers without any protection from the government. They run this scam wildly and cheat millions of people causing them to pay higher rates and to suffer many unjust consequences that come from low credit scores. I have been paying all my bills for years, but I have never been able to reach a normal level of credit higher than 600 because they purposely keep maneuvering the algorithm to keep people stuck in the same place. Have XXXX restore my score and have the cognizant government agency for this company and the other credit reporting agencies to analyze their practice as I truly believe they are flawed and skewed against the consumers.
Product: Debt collection

I paid my XXXX bill {$780.00} on XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX XXXX XXXX XXXX, This complaint is in relation to a credit account this creditor ( XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of an account that has been reported on my credit report. The account in question is a charged-off account that has been reported by ( XXXX/equifax ) account number is XXXX I am disputing this account based on violations of the Metro 2 credit reporting guidelines. According to these guidelines, a charged-off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Vehicle loan or lease

Wellls Fargo did continue to recharge me on late fees. They don't care whether I paid on higher amounts on some payments. They said I was late on XXXX, XXXX but I was only late that time so it means the charges fees should begin after XX/XX/XXXX. However, Wells Fargo charged me each fees per month since early XXXX. They don't care I'd I pay too much but if I am under {$500.00}, they charge me anyway and even after I paid over {$1600.00} ... they continue to charge me. 

I was late to pay but did call in and wrote that I d be late but would pay them full amounts on XXXX which was {$1600.00} but they charged me every month. They did not waive after I paid {$1600.00}. They kept charging me. 

I paid it off yesterday on XX/XX/XXXX but they DO OWE ME about {$500.00} to {$700.00} from wrongful charge fees. 

In pics, next to XXXX XXXX XXXX XXXX, XXXX shows you I was on time paying. I was never late except XX/XX/XXXX. The due is every XX/XX/XXXX or XXXX. I always pay first week of month ON TIME!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor TD Bank, has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B. A creditor may not treat a payment on a credit card under an open-end consumer loan as late for any purpose.
Product: Debt collection

I received a small claims notice that I am being sued by XXXX XXXX XXXX XXXX through Javitch Block LLC. This is the first I had heard of this debt or of it being " owed. '' I never received any communications from Absolute Resolutions of the debt AT ALL. When served with the papers of the small claim, I filed an Answer affidavit back denying debt and asking for several things including - debt validation, copy of original signed contract with original creditor ( which I had no prior knowledge of ), Valid proof, attorney 's collection and licensing, Lack of Privity, all of this- I was NEVER provided anything from Absolute Resolutions on such a debt placed with them.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX New Mexico on XX/XX/XXXX ( Account Number XXXX ). For Business reason, I moved the car back to Illinois and had a very difficult time getting the paperwork required to license the vehicle in Illinois. In fact this took 5 months from XXXX to XX/XX/XXXX and a finally involving supervisor from XXXX XXXX to complete the task. 

I pre-paid my lease and because of time delay from lease paperwork transfer to Illinois, turned in my lease with XXXX out or a lease term of XXXX miles on XX/XX/XXXX. 

After turning in the vehicle, I received a bill from XXXX XXXX for {$390.00} because I did not purchase or lease another GM product at the end of the lease. After a lengthy discussion this was reduced to {$100.00} but XXXX XXXX did not immediately send the updated invoice. 

I noticed on my credit score that changed for the negative and that XXXX XXXX now had put that I had an open unpaid balance of {$420.00} since XX/XX/XXXX. 

I immediately paid the {$420.00} balance so that my credit score would not suffer and contacted XXXX XXXX about this and to get my {$320.00} refund. 

XXXX XXXX still has XXXX balance at {$420.00} on XXXX. 

Even though XXXX XXXX said they would send my refund - they still have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

BK OF AMER Account # XXXX Date XXXX Balance : {$540.00} I never had a late payments.
Product: Debt collection

Bank of America has been notified that I will be late on this months mortgage payment. They cal XXXX six times in a day, never leave a message. When I answered today I was informed that my account will be notated but the collection calls will continue until payment is received.
Product: Credit card or prepaid card

For a long period of time, I have used my amex cards for general purposes. this included purchases of services and goods. Sometimes, it also included using such services as XXXX by XXXX and XXXX. Nobody ever contacted me suggesting me that such was wrong. In fact, both XXXX and XXXX allow for the use of Amex without any restrictions. 

Of late, I made a number of XXXX transactions to pay employees of our company XXXX XXXXt XXXX. this was done without issue, and I often used Amex as my source. I did more of these transactions last week. On Sunday, with no notice, Amex cancelled my card. I called to find out what was happening and I spoke to a number of different reps. Before speaking to the main rep in charge, it was made clear to me that the reason for this was my use of XXXX, as amex said that it was prohibited under the Cardholder agreement. I looked at the Agreement, which I have included, and there is no such prohibition. 

Today, I spoke to rep XXXX XXXX, id XXXX. She confirmed that the accounts were shut down because of my use of XXXX. She specifically stated that it was because I used it to XXXX on two transactions, one to XXXX XXXX and XXXX XXXX. XXXX is my daughter. She is also an employee, and any transactions made in favor of XXXX were in the context of her as an employee. I can provide absolute proof of her status upon request. With respect to XXXX, that was n't for business purposes. Rather, it was to facilitate a purchase that she was making. 

After these items were explained to XXXX, she advised that I also had certain payments that were returned. That was correct ( and I actually advised her of this in advance ). They were from a business account, where someone failed to transfer money in a timely fashion. All of those items immediately cleared thereafter. After that was explained to XXXX, she advised that I had a couple of returned items on my blue card. I explained to her that I had attempted to change payment banks on that, and when the switch was made ( i no longer use the first account ) that issue went away. Then XXXX looked back to XXXX and said that part of the reason related to the return in XXXX. Amex already improperly cancelled me for this and I was reinstated, so it is far from good faith for them to raise the issue now. 

I will note that when I spoke to a person last evening prior to speaking to XXXX, he was very clear as to the issue i.e. the XXXX and stated that he understood my position, which should result in the return of the card. 

I circled back at the end of the call. XXXX reiterated that the reason and only reason that the card was cancelled was because of the XXXX use. With respect to XXXX, there is no basis at all for amex to even have an argument. With XXXX, before Amex goes about closing an account, maybe they should address the issue in their own contract documents. And maybe they could have made a courtesy call to me.
Product: Mortgage

Lender states I owe money on a Mortgage related debt. I do not own the home anymore. I do not owe the debt under California Code Civil Procedure 580d and Code Civl Procedure 580b I wish to have copies of all my loan documents to determine why this lender thinks I owe money ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$53000.00}.