23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I was provided a XXXX XXXX gift card issued by this merchant with the specific intention of using it on a service that I don't wish to use my personal credit cards for. The purchase was declined despite a complete XXXX XXXX and XXXX XXXX match. There is no excuse for the card issuer to declined purchases on a XXXX gift card that is clearly a valid transaction with a legitimate XXXX merchant. With the inability to use the card with this merchant, it carries no value for me. I attempted to contact the merchant to discuss the issue but the merchant offers no XXXX support of any kind and their XXXX  support was designed not to address this issue. 

As I'm sure CFPB knows, this is a known tactic XXXX XXXX issuers use to essentially keep the funds. By declining transactions as they see fit, they hope the user gives up and forgets about the card or ceases trying to use it. I've experienced similar issues in the past with some prepaid cards being declined at multiple XXXX merchants w/o cause. Since their XXXX liability is such a tiny inconsequential monetary amount that they disclaim liability for anyway, the only logical explanation for declining the transactions is to discourage the cardholder and keep the funds.
Product: Debt collection

I sent a dispute to Portfolio Recovery Associates and they never sent me valid proof per the FDCPA. Also, when I disputed this account, it came back verified with the credit bureaus. But how can it come back verified when the account number on XXXX is XXXX but then XXXX and XXXX XXXX XXXX. Also, how can a collection account have a payment status of 120 days late when there is no payment history per METRO 2 standards.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XX/XX/2023 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I dispute the failure of compliance with the law regarding the reporting of fraudulent accounts on my credit report. Despite bank confirmation and assurances to remove the accounts, they remain. Other bureaus have removed them. 
XXXX XXXX Additionally, the reported bankruptcy is inaccurate. Please remove it promptly. 
XXXX XXXX Bankruptcy-dismissed Reference : XXXX
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 has violated my rights. Or a list of inquiries : 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: Mortgage

I received a notice of property taxes due on XX/XX/XXXX for {$3500.00}. 
I logged into my online account and noted a property tax payment by my mortgage company, Rocket Mortgage, was not scheduled until XXXX of XXXX. 
I called Rocket Mortgage on XX/XX/XXXX to ask about how the payment I was being billed for would get handled. At that time I was told to await a call in XX/XX/XXXX hours. 
I never received a call. In light of the approach due date for the tax payment I continued to call and was advised to await a call from them. On Friday XX/XX/XXXX. I called again and was advised that I would definitely receive a call, today XX/XX/XXXX. Having not received a call by XXXX AM I called once again. 
It was at this time I was told that Rocket Mortgage was not going to make this payment from my escrow and that its responsible for it. 
I explained that my escrow balance was over {$9000.00} and that I didnt understand. 
The XXXX advised once again that I would receive a call by the tax department either yet today or tomorrow, XX/XX/XXXX, a day after the tax is due. 
Non-payment of a legitimate tax obligation from my escrow is absolutely unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several accounts on my credit report that does not belong to. 

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

XX/XX/23 Name XXXX XXXX XXXX Home address XXXX XXXX XXXX XXXX, OH XXXX To whom it may concern, I had a wise account with the email address : XXXX They deactivated my account unfairly and they closed any way for me to have access to my wise account, and the money that I had in that account was removed and sent back. Moreover. I need you to assist me in retrieving access to my account. 

If It is found that I made any mistake, I sincerely apologize and I promise to ensure that no problem will occur again regarding my account. I have carefully read all the terms and conditions and I promise to abide by those terms. 
If we are unable to regain access to that account, then I would like to register a new account and I will need assistance to be able to do so. The reason being is Ive already tried to register a new account and it wasnt allowing me to do so. 

The best way to reach me is through my phone number ; XXXX. 

I am more than willing to follow any steps that will enable me to either regain access to my old account or at least be able to register a new account. Once again I sincerely apologize for any mistake I may have done, and I agree to abide by the terms and conditions, by being an astute member of wise services.
Product: Debt collection

There was a debt from XXXX XXXX I had from XXXX. I have made multiple attempts to consolidate the debt with no avail. This debt was transferred to Jefferson Capital System and I have not received any notices or phone calls to settle the debt, Ive made multiple attempts to dispute it with the credit bureaus but to no avail. This collection is now out of the statute of limitations for the state of XXXX XXXX
Product: Credit card or prepaid card

Marcus by Golden Sachs ( GM Rewards Credit Card ) Account opened... XXXX Account closed ... XXXX Credit amount approved ... XXXX Account was closed suddenly without any notice. I found out while trying to make a purchase and was declined. I called to find out what was going on especially since the account was recently opened. They told me the account was closed due to regulatory reason, with no additional information.
Product: Credit reporting or other personal consumer reports

I RECiEVED LETTER FR TRANUNION stated there unable to complete disputes already been. disputes on my accounts l have already provided drivers license ssn .Which is never updated found anywhere. TransUnion l has had disputes lasted over 120 days .some now 1year uses CFBP consumer complaints account .whom also have noticed transunion never responding to my complaint 's. I provided CFBP. Also noticed TransUnion .Closed compliant lwithout. provide Reasons? Now Iim not retrieving Any credit scores XXXX XXXX l have provided sufficient documentation for these accounts. End-removing also no changes founded on credit reports. Noticed these companies is getting away without following fair reporting act. TRAINS-UNION CREDITS IM Constantly having problems with TransUnion numberiuns denial fro different companies. Also others consumers like myself haven Problems with TransUnion credit reporting. people like myself thinking it was a stunt being done by government to keep people from ppl. applying for any lines credit. TransUnion makers. Changes on credit report Without proper warning.Notice when my accounts showing paid off on time payments. XXXX refused to make positive positive. changes found creported to. Increase. File .files. XXXX XXXX.inform me RECENTLY XXXX balance. Now Found on my credit report ..My attorney advised me.in these systems credit reports reported XXXX dropped now reported XXXX. For No apparently reason .when l tried called speaks to. TransUnion Customer service representative notice rep wasn't speaking clear nor couldn't understand clear English. Spoken. Whom states notice was high inquiry then changes said my inquiries been that high.? then she stated was new computer system.? representative gave up. Whom didn't no any reason for credit scores to decrease over XXXX points?. CFBP can not give advice but did provide me all records complaints TRANS closed cases
Product: Credit card or prepaid card

I requested a credit line increase online. At no time did it say there would be a hard inquiry made on my credit report. I would not have approved that. Barclays refuses to produce any documentation I approved a hard inquiry on my credit report.
Product: Checking or savings account

charged for a free account. was never told or sent any info on fees or chrager. refuse refund or help closing account
Product: Credit card

My account was reported to the Credit Bureaus as 30 days past due despite the fact I had made my payments per the billing statement and within 30 days of the payment due date. 
On XXXX/XXXX/16, I received a credit card statement for a recent purchase. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid {$100.00}. On XXXX/XXXX/16 I received my next billing statement. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid my balance in full. 
When I contacted the bank on XXXX/XXXX/16 to pay my balance if full, I was advised that I was 32 days late and had been reported negatively to the credit bureau ( 30 days past due ). The Customer Service Representative insisted that, for the purpose of bureau reporting, late payment calculations are calculated from the date I last made a payment and not based on when the payment is due. A supervisor later supported this policy indicating that the banks terms and conditions explicitly allow the bank to report negatively to the credit bureau if the number of days between payments is greater than 30 days. Even if the payments are made according to the statement due bill. I insisted that this is a violation of FCRA given that the bank inaccurately reported to the bureau that I was 30 days past due ( from the payment date ) when I clearly was not. The supervisor informed me that the terms and conditions I signed when I opened the credit card waived my FCRA rights. This is clearly not legal or acceptable. Therefore, I ask for the CFPB 's assistance to correct. An inaccurate 30 day late report to the bureau can have extraordinary consequences for me financially. This type of predatory behavior is inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an entry to my credit report from AMERICAN EXPRESS to XXXX ( XX/XX/XXXX ). They reported me DECEASED ( BOTH AMEX AND XXXX ), and sent my information to an agency called XXXX which notified me I was dead. I immediately called them and reported I was not deceased and they would report this to AMERICAN EXPRESS ( XX/XX/XXXX ). I tried to contact AMERICAN EXPRESS on numerous occasions, by telephone and via internet, and could get nowhere since they said my account was closed.. I was contacted by XXXX XXXX , XXXX . ( and was successful in negotiating a settlement with them for NO LATE FEES, and only monies owed to AMEX ). The amount paid was {$1600.00} against an AMEX LATE FEE BALANCE OF {$3200.00} Terms of the settlement with XXXX was ( 1 ) remove the DECEASED from the credit report ; ( 2 )  REINSTATEMENT of the long-standing account at AMEX ( XX/XX/XXXX year opened ), and ( 3 ) no income to me on a 1099 at year end since this was AMEX error. XXXX   concluded their report with no change, XXXX took the payment, and our credit report still remains DECEASED with a charge off of {$3200.00} to AMERICAN EXPRESS
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX : ( {$550.00} ) I disputed this account in XXXX of this year when it first appeared on my credit report, as this account being reported is a direct violation of the recent credit reporting law recently passed regarding reporting of medical debts ( Regulation V ). My dispute came back as meeting FCRA requirements, which is false. The bureau also never showed me any documentation from the debt collector proving that it was accurate. 
XXXX. XXXX XXXX : ( {$10000.00} ) I have attempted to dispute this account with the bureau several times due to multiple violations. XXXX XXXX never verified this debt or showed any proof or sent documentation that it was mine. They also violated XXXX and XXXX in the beginning of 2022 during a phone call with an employee where I was told, even after explaining my financial situation due to XXXX, that if I didn't find ' some way to motivate myself to make these payments ' that I would be subject to wage garnishment/possibly being sued in court, even though it even says directly on their website that they can not. I disputed this account with the bureau several times for these reasons but once again it was listed as meeting requirements even though the bureau never showed any proof or documentation of their investigation. 
XXXX. XXXX XXXX XXXX : ( {$500.00} ) This account has been sold to a different group and resold back to this debt collector. I have disputed this account with the bureau as well. It still comes back as meeting FCRA requirements ( even with the other collections group that had possession at one point ) even though it violates fair practices due to being sold and resold. The bureau never provided any proof or documentation of their investigation or proof that I do in fact owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries in my credit report that I did not authorize and both inquiries should be removed. 

1- Inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX Inquiry from JPMCB - CARD SERVICE on XX/XX/2021
Product: Checking or savings account

On XX/XX/XXXX the IRS deposited the first Stimulus Check of {$3900.00} into an account at Suntrust Bank under my name and my husbands name. We do not have an account at Suntrust Bank. On XX/XX/XXXX I conducted a search on the IRS website to see where my payment was as people around me had received their payments already. The website said it was direct deposited in an account ending in XXXX. So then I contacted the IRS to inform them that I dont have a bank account that ends in XXXX. They informed me they initiated a trace on the funds. I proceeded to call the IRS back every 30 days for an update on the trace. I was constantly told they were waiting for a response from the bank. On XXXX XXXX we received a letter from the IRS documenting that the payment was indeed deposited at an account at Suntrust. I proceeded to call Suntrust at that time. I spoke to customer service and gave them my name, my husbands name, and our social security numbers and asked them to search their system for any accounts for either one of us. They came up with nothing. After going back to the IRS again I was assigned a tax advocate from the IRS to try and help me with my case. She worked on our case from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX she told me that she never heard back from Suntrust Bank after several attempts to rectify the situation, and it would now be my problem known as a civil case to deal with Suntrust Bank myself. The Tax advocate was however able to provide me with the routing number and bank account number that the funds were deposited in. I proceeded to contact Suntrust Bank on XXXX XXXX and I explained the situation, and provided the bank account information I had. The representative at Suntrust Bank was able to pull up the account but since my name, or my husbands name was not on the account they would not be able to provide me with any information regarding the account or whether the money was still there. He then proceeded to tell me that I need to contact the IRS as they would need to contact the bank to make the request. We are completely frustrated at this point as we are a year out from when this problem first started and have not made any headway. Both my husband and I really need your help with this.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and i saw accounts reporting that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my information was leaked during the XXXX XXXX break in 2017 and again in another breach with XXXX XXXX. There have been multiple fraudulent accounts opened. I have disputed these accounts multiple times with the CRAs and filed reports with the FTC for identity theft and Filed a claim with XXXX for damages.
Product: Consumer Loan

I applied for a loan with Loan Max in XX/XX/XXXX At which time I opted out of receiving text messages and electronic communications. During XX/XX/XXXX a representative began texting repeatedly and stated she could and would continue to text and there was nothing I could do about. The representative of Loan Max stated as long as I owed money she could do what she wanted. In addition to texting the representative would place calls to me from her personal cell phone. I repeatedly requested to speak to the management team and was told they did not have the managers phone number nor the number to the corporate office. 
I request and will allow Loan Max to forward all electronic text messages that took place between myself and the representatives of Loan Max. 
My car has been repose and the value far exceeds the balance of r he loan. My vehicle is a XX/XX/XXXX XXXX and the balance of my loan is XXXX and the low end XXXX value is {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX stated they transferred this tradeline to XXXX XXXX XXXX as of XX/XX/2023 However this tradeline is still on my consumer report as XXXX XXXX XXXX. This is inaccurate false and misleading. IF YOU DO NOT DELETE THIS INACCURATE ACCOUNT I WILL LITIGATE
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a few different situations that i've made multiple complaints about. The first being the reporting agencies are reporting false information and using my info improperly. I believe ive been a victim of fraud or identity theft because most of the inquiries i don't recognize. Ive never applied or given authorization for those companies to use my credit. Also the car dealership that i went to said they would only run my report through 1 lender and i check my credit and i have all of these inquiries which are not authorized. 

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The credit bureaus are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit bureaus written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

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