23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

This is not the first time this has happened but this is the most recent. I received an American Express gift card for {$500.00} the beginning of XX/XX/year>. I have tried MANY attempts to use it to purchase things I need online with a constant DECLINED message from all retailers. Each time I attempt to use the card, and it is declined, the AMEX website SHOWS that the card was attempted to be used and deducts {$0.00} from my balance as a hold. So now instead of having {$500.00} to use, I have {$490.00} or {$490.00} etc... This then makes it extremely difficult to even ATTEMPT to use because if I try to use it for a set amount the balance available is constantly changing and I am losing money I could use on a purchase. I have tried purchases on websites like XXXX and XXXX, I have tried purchases for groceries online, I have tried buying gifts just to get it used and nothing works. I am tired of trying to spend money just for the sake of spending money, as the purpose of a giftcard such as this should be to use it for something I actually want to purchase without such difficulty. This is an absurd practice. I have called Amex and their solution was to wait 14 days for the giftcard to be " unlocked '' if multiple declines were occurring. I have waited. It still doesn't work. I have looked up multiple solutions online and there are a ridiculous number of complaints that are the same as mine, spanning YEARS. Amex gift cards are a waste of consumers money and more trouble than a gift receiver deserves.
Product: Consumer Loan

In XXXX 2015 I received a bill from Macys for a balance of {$50.00}. along with a {$2.00}. low balance fee. The closing date for billing was XXXX XXXX - then they processed the bill and mailed it to me. I got the bill on XXXX XXXX and wrote a check and mailed it to them on XXXX XXXX. They said it posted on XXXX XXXX - well in advance of the XXXX XXXX closing date. I received another bill for {$2.00}. in XXXX for a low balance fee. I called and they said that even though I paid in full, ( balance + fee } in advance of the closing date - they are legally empowered to charge the additional {$2.00}. fee. I asked if they planned to charge an additional {$2.00}. fee on the {$2.00}. they had sent the XXXX billing for and they said yes, because the {$2.00}. fee represented a " balance '' and a low balance and because it was sent upon the closing date - and there are days in-between when it closes and they mail it and they receive payment - they can legally do this. I countered that that was kind of nuts - that the {$2.00}. fee could result in perpetuity, a never ending {$2.00} fee ... They said that I should have paid the entire balance in full and this would n't be happening or an ongoing issue. Needless to say, I closed the account - after insisting they waive the fee. I just wanted to file this complaint in order to let you know that they are doing this - and am questioning the legality of it. If truly seems to be taking advantage of customers and the spirit of their recouping fees for low balances, by creating a situation that in essence, continues to create new low balances - by adding this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has reinserted a previously deleted debt to my credit report without providing the required five days notice. National recovery agency was deleted from my file in XX/XX/XXXX and was reinserted without notIce on XXXX XXXX 2017. They are in direct violation of the FCRA
Product: Debt collection

Portfolio Recov Assoc- {$XXXX} My information was exposed in several data breaches, was victim of identity theft, and several accounts were opened with unauthorized, fraudulent use.
Product: Debt collection

To Whom It May Concern XX/XX/year> Referencing account : LVNV/CAPONE Your company placed a collection on my credit report which is in violation of the Privacy Act. You are not suppose to disclose a record contained in a system of records unless the individual to whom the record pertains gives prior written consent to the disclosure. 

You must do a Consumer Investigative Report according to US 15 1681. You will abide by 1006.34 for the Notice for Validation of Debts. Information that you send for validation of this debt is to be conspicuous and clear. Also you must include Statement Required by 1006.34 validating all required information that complies with Consumer Law. 

Debt collectors name and the mailing address at which the debt collector accepts Disputes and requests for original-creditor information. 
The consumers name and mailing address. 
If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. 
The account number, if any associated with the debt on the itemization date or a truncated version of that number. 
The name of the creditor to him the debt currently is owed. 
The itemization date. 
The amount of the debt on the itemization date. 
An itemization of the current amount of the debt reflecting interest fees, payments and credits since the itemization date. 
The current amount of the debt. 
License to debt collect in the state of Michigan with the valid License information attached to your Report. 


You have XXXX  days upon receiving this letter to respond lawfully. I will not hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and the CFPB. During the time of all collection activity by you must cease and desist. During the validation period, if any action is taken that could be considered detrimental to any of my credit reports, I will consult an attorney and consider legal action. 

If your offices fail to respond to this request within XXXX  days from the date of your receipts, all references to this account must be deleted from my credit file and a copy of such deletion must be sent to me immediately. I formally request that you and your representatives do not contact me by telephone, at my home, email, or my place of employment. If your offices attempt telephone communication with me, including but not limited, computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will instruct my attorney to proceed with legal action. All future communication with me just be in writing and sent to address mentioned in this letter. This letter is an attempt to correct your records and any information obtained should be used for that purpose only. 

CC. XXXX XXXX XXXX Attorney General Consumer Financial Protection Bureau XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 XXXXs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

THIS ACCOUNT HAS ALREADY BEEN DELETED FROM XXXX, XXXX AND ALL OTHER DATA FURNISHERS. TRANS UNION CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW
Product: Debt collection

Recently, I was home shopping and when I reviewed my credit report, I noticed that a company has furnished my credit report with false allegations. The company Resurgent/LVNV Funding LLC as written on my credit report is requesting collection of a debt, I have never had any transaction history with before or knowledge of. The account does not belong to me and has never belong to me at any point. According to 15 USC 1962 validation of debt and 15 USC 1681, I must be provided with the original copy of this alleged debt. However, I have not been provided with this information even after sending multiple requests for the debt to be verified. Therefore, this information must be deleted off of my credit report or I will be seeking up to XXXX in damages for defamation, negligent enablement of identity fraud, and violation of the fair credit reporting act and fair debt collection practices act.
Product: Debt collection

MCM is calling my two to three times a day. They leave voicemails. I have asked them to stop communication via phone or to not call me more than once a day. They have continued to call multiple times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of 2022. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX XXXX  is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, Company Inquiries : XXXX   XXXX XXXX  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: Vehicle loan or lease

On XX/XX/2020 I sold my car to XXXX XXXX. XXXX XXXX wrote a check to XXXX XXXX for the remaining balance. XXXX XXXX sent the title to XXXX XXXX. Months later XXXX XXXX put late fees and charge off on my credit report. XXXX XXXX shorted them {$1500.00}, they did not inform anyone only to my credit. I have contacted them about this situation over and over. They tell me it would be updated but it is going on a year with no updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  emailed me saying that I reported a card as lost or stolen. I did not. 
On the same day someone changed my address with the USPS in order to get the replacement credit cards. 
I received a letter from USPS saying that my address was changed. I immediately went to the Post Office to report that this was fraudulent and was told to call the USPIS regarding change of address fraud. My first Case # was XXXX. I did not receive a response within 2 weeks. I called again and received a new case # XXXX. More than two weeks later I still have not received a response from USPIS. 
I also immediately contacted XXXX to report the fraudulent address. 
However, in the meantime USPS forwarded some of my mail and Citibank subsequently changed my address to the fraudulent one. I called them to report the fraud. 
Still, the fraudulent address made it into my credit report for XXXX and XXXX. I have disputed the incorrect address with them twice. 
Luckily I prevented unauthorized charges by immediately notifying my credit card companies. However, what is disturbing is that I have been unable to get a response from USPIS. I want to be able to prevent criminals from changing my address online again. I was told this is not possible. That certainly plays in the hands of criminals who can report a credit card as lost and then simply change your address only with USPS. How can I protect myself from a recurrence of this? I have spent so much time on the phone trying to get this corrected.
Product: Debt collection

XXXX XXXX  did not resole the dispute in 120 days, XXXX XXXX XXXX  did not contact my 2 XXXX XXXX XXXX  and XXXX to get that debt paid
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$180.00} Account Name : XXXX # XXXX OPENED XX/XX/XXXX - BALANCE {$710.00} Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$520.00} Account Name : XXXX XXXX  # XXXX OPENED XX/XX/XXXX - BALANCE {$980.00} Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to in adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that the there are some fraudulent inquiries on my report that are not authorized by the following companies. 

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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give the XXXX credit reporting agencies permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

The companies involved have not been able to produce the contract and a complete investigation as per the Fair Credit Reporting Act section 611.
Product: Student loan

I am waiting on a refund of the overpayment of {$27000.00} for the past 6 months ( I made the payment on XX/XX/year> -last semester ) Nelnet hasn't processed it as of now and there is no processing date provided to me as of today. However, I did receive a statement of the current semester loan with interest due. I could have paid my current loan if I received this refund from them promptly. 

They are holding my overpayment of $ XXXX and on the other hand, I am paying 8 % interest on that amount plus have additional debt with interest. I am attaching the letter as it is mentioned that it will be processed with no date of disbursement and the current semester loan statement with interest payment.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent a notarized notice to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 90 days now, and I have received no response at all. I sent the notice on XX/XX/year>. I also requested that the Credit Reporting agencies remove this account from my report. 

I am attaching a copy of this notice. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit reporting or other personal consumer reports

This company is reporting an inaccurate date of first delinquency on a XXXX XXXX XXXX account and has falsely verified the inaccurate date after I disputed it with the CRAs. This is an attempt to re-age a debt and prolong the reporting period, which is a violation of my consumer rights under the FCRA. This inaccurate reporting negatively impacts my credit for XXXX years longer than necessary, prevents me from obtaining further credit, causes me to pay higher interest rates than necessary, etc. I have bills showing my last payment date to XXXX XXXX was in XXXX of XXXX. I have bills from XXXX XXXX after XXXX of XXXX showing that my first due date that I missed was XX/XX/XXXX. My final bill from XXXX XXXX was issued in XXXX of XXXX, which would be the chargeoff date. This company seems to think that it's ok to report the chargeoff date as the DOFD, rather than the correct date specified under FCRA reporting guidelines, which is the **first missed payment that led up to the eventual chargeoff of the account** ( XX/XX/XXXX ). Up until last month when I paid off this collection, Transworld Systems was reporting a " last payment date '' of XX/XX/XXXX - so even they admit that I hadn't made any payments on the account between XX/XX/XXXX, and the chargeoff date of XX/XX/XXXX. Yet somehow they continue to verify false information that contradicts their own reporting, by reporting XX/XX/XXXX as the date of first delinquency - rather than the true date of first delinquency, which is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made hard credit inquiry without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday XX/XX/2021 i filed a police report with the XXXX XXXX police department because someone has been using my personal information to try to open accounts under my name. i have never authorized any of these inquiries listed in my police report. please see attached documents to support my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a company called XXXX XXXX to monitor my credit and to protect me from Identity theft. 
On XXXX, I was informed by XXXX XXXX that Arvest Central Mortgage company has reported to the Credit Bureaus that XXXX of my accounts is in major derogatory. I don't have an account in major derogatory, and all my mortgage payments are paid on time. The incorrect report from Arvest to the Credit Bureaus has lowered my credit score significantly and hurt my credit history severely.
Product: Credit reporting or other personal consumer reports

credit card denied when attempting to charge payment for a stove and refrigerator. I have copy of credit rating. It has false names, wrong addresses and SSN variations. It has two different address ID and only two correct addresses. I am XXXX XXXX XXXX. The one on XXXX XXXX XXXXXXXX is not me. and the social security number is not mine. Year of birth is correct-XXXX. I hope you can correct this error. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX