23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I entered in a Consumer transaction with American Express... I applied for the American Express XXXX XXXX... and was Denied. I was the one who initiated the credit.They use my Card card ( My Social security number )... Illegally ... accord To federal law, and it discriminatory. Please refer to the attached letter explaining my position. I sent this letter.. notarized ... and by Certified mail!
Product: Debt collection

In my review of my credit report XXXX XXXX is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

sometime around XX/XX/XXXX, this complainant and his family moved from XXXX Iowa back to XXXX XXXX in our new residence the landlord allowed us to keep electric his name until we could change it over at XXXX XXXX XXXX XXXX XXXX Ia. sometime around XXXX XXXX, XXXX ( 3 months later ) complainant paid his outstanding bill and had electricity transferred to his new address in his name at no time did XXXX-XXXX  XXXX  tell me that they had sold my account to the collection agency ( XXXX XXXX ) without my permission to this violation of privacy and no rights to any previous bill as it was sold to a collection agency in violation of 15 U.S.C. 1681 sec 602 ( 4 ) PRIVACY VIOLATION XXXX essentially was paid twice for this account once by diversified and once by myself. not to mention they sold my info without my consent. about XXXX weeks later while checking my credit i noticed a collection from Diversified Adjustments who furnished this information to my consumer credit report with no contact whatsoever, in violating my privacy by buying my personal information, 1681 ( 602 ( 4 ) ) furnishing info without my express written consent 15 U.S.C 1681 ( c ) and by furnishing info they had not taken legal steps to do, never contacting myself, never giving an opportunity to have this validated or showing proof of ownership which they evidently do not have as XXXX accepted full payment, leaving us with this either XXXX XXXX me XXXX or XXXX XXXX violated numerous laws in furnishing this info to Experian consumer company. in violation of 15 U.S.C 1681 sec. ( 23 ) way to many for me to count when i noticed that this was on my credit report i contacted XXXX and informed them that they placed a collection on an account that had been paid they informed me that after they verified it would be removed XXXX years later XXXX i started working on my credit and see its still there contacted diversified again they informed me they were not removing and it would be there for some years. beyond XXXX double dipping and XXXX  opening itself to numerous violations under 15 U.S.C 1681n this should immediately be removed from my consumer credit report for the numerous violation of both XXXX XXXX and XXXX. experian case # XXXX
Product: Prepaid card

This is a follow-up complaint regarding my earlier case ( Complaint ID : XXXX ). 

I sent the requested documents to the company on XX/XX/XXXX and provided an additional document as per their request on XX/XX/XXXX. However, I have received no response from them. When I followed up with their customer service multiple times, and the latest XXXX is on XX/XX/XXXX, I was informed that my case had not been processed at all. Instead, I was told to restart the process entirely, which is both frustrating and unacceptable. 

Issue Summary : I am filing this formal complaint regarding my purchase of XXXX Vanilla Gift Cards, with a total value of {$990.00} ( {$490.00} and {$490.00} ). 

Unfortunately, I have been unable to use these cards due to persistent issues with the company locking the funds. I purchased the gift cards in XXXX, only to find shortly afterward that both cards were inexplicably locked, rendering them unusable. Upon contacting Vanilla Gift Cards customer service, I followed all their instructions, including uploading the requested documents to verify my identity and purchase. Despite my compliance, the company has failed to activate my replacement cards. 

It has now been over XXXX months since my original purchase, and I am still unable to access the funds I paid for. This delay has caused significant inconvenience and financial loss. I find this situation unfair and unreasonable, especially given that I have fulfilled all the companys requirements.
Product: Mortgage

Dear XXXX ; In receipt of today 's conversation with the representative and point of contact from the Wells Fargo Home Mortgage Executive Resolution Team, XXXX XXXX. It has become crystal clear to me that not only are the representatives stalling for time and are also un-knowledgeable concerning my account. I was given a scope of reasoning for which there were XXXX escrow analyses performed within a three month period, without my consent. Additionally inquiring about the unapplied funds from the deposits I personally made. XXXX for {$490.00}, {$820.00} and {$1100.00}, which have not been applied and gaining interest by Wells Fargo. The reason I know this is due to the fact that I have now begun to receive correspondence from the NC Foreclosure Prevention Fund and State Home Foreclosure Project / case # XXXX. XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX XXXX. When inquiring to XXXX XXXX as to why I started to receive this correspondence and if the deposits I made had been applied, his reply was that he had no knowledge. One of the reasons one is appointed a point of contact and working on this issue since XXXX 2015, is to gain a scope as to why this is occurring. It is appalling to continue to be forced to have an outside agency look into these matters, when this organization ( Wells Fargo Home Mortgage ), is supposed to be of assistance in these matters. I have personally walked into the branches of Wells Fargo and made all of my payments over the counter and in person, I 'm also familiar with the branch managers. They have also had to hear of my frustration with the XXXX branches. Additionally when making these payments, it is my understanding that Wells Fargo Bank , N.A . are directly linked to Wells Fargo Home Mortgage, in making and receiving payments. So I ask the question, why are my payments not being directly applied to my accounts. I herby request a full audit of my records and payments and also request a point of contact that is fully knowledgeable with the payments and banking institution of the XXXX. I also requested all payments posted, as I have all of my bank deposits and records available.
Product: Credit card or prepaid card

Please reference previous complaint # XXXX After my last complaint about my Huntington Bank credit card was closed, I paid the balance in full -- {$1500.00} on XX/XX/XXXX. On XX/XX/XXXX, I was charged {$10.00} in interest on my XXXX-balance card. I called and spoke with " XXXX '', a supervisor who refused to provide her last name, who told me the interest was for cash advances from XX/XX/XXXX. I don't understand how I still accrued interest after the statement balance was paid.
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unconfirmed accounts listed below persist on my credit report, which is a breach of federal law. The XXXX Credit Bureau has not adhered to the Fair Credit Reporting Act, 15 U.S. Code 1681i within the legally mandated timeframe. They have continued to report unverified information despite my efforts to resolve this directly with the creditor. This can be seen as deliberate negligence and non-compliance with federal regulations. I kindly request the immediate removal of the following accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I opened a new credit card account with XXXX XXXXXXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted XXXX on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and XXXX had no remedy for me. I also contacted XXXX XXXX XXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on XXXX and Trans Union and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to this matter.
Product: Mortgage

I am on a Homeowners assistance fund application. I was approved and XXXX  paid my loan up to date in XXXX. Then I was switched to Mr Cooper so we had to start all over again. 

Mr cooper is taking their time getting the informaiton to the state of AZ and in the meantime keeps calling me and sending me threatening letters. I told them I am on the HAF and to read the notes. Today XXXX called and I explained to her again I am on the HAF and she said " Well we will continue to call until YOU pay ''. It is them we are waiting on. Mr Cooper needs to get the info requested to AZ so they can pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried numerous of attempts to resolve this issue this fraud Ive never had reliant Ive asked for proof and this company do not show any proof
Product: Debt collection

On  XXXX   XXXX ,  2017, I d id n't have cash to pay a toll. The attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On  XXXX   XXXX ,   XXXX  , I wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX ,  2017,  I got notification it cleared my bank.     On  XXXX   XXXX ,  2017, I  did n't have enough cash to pay another toll. I paid {$0.00} in cash and the attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On  XXXX   XXXX ,  2017, I  wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to the  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX ,  2017, I go t notification it cleared my bank.     Then, on  XXXX   XXXX ,  2017, I received  a letter from  Focused Recovery Solutions , Inc.   XXXX    XXXX     XXXX ,  XXXX   XXXX ,  XXXX , VA  XXXX  indicating that my account has been placed with them for collection action. In addition to the {$0.00}, they are including an administrative fee of {$25.00} if not paid within 30 days.     On  XXXX   XXXX ,    2017, I  called both the collection agency as well as the vender,  XXXX , to try and resolve this. They have n't pulled it from collections pending verification of these payments.     This appears to be a shady business practice as both checks were cashed or deposited by the vendor in the month of  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX US Dept of EDXXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 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. 1681-2 ( 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

We were approved for a HAMP Trial in   XXXX   XXXX   by  XXXX   XXXX , but they transferred servicing of our loan to  Bayview Serv icing before we could complete the Trial and make payments. So in   XXXX   XXXX   the request for modification assistance b  egan again with Bayview.
During the past six months  , all documents requested have been submitted and confirmed on several occasions. Each time, however , Bayview will t hen request more documents or " updated documents '' that should have been requested in the first place.     Now they have pla ced a Sales  Notice for   XXXX   XXXX   XXXX   on our door, even as they have communica ted NOTHING to us via  regular mail, email or our account status on their website, which continues shows us under review for our modification.     And yet a sale is underway.     We have repeated emailed and uploaded complaints to  Bayview o ver their handling of our modification repeatedly. No response except more document requests.     Furthermore, our asset  manager at Bayview has ig nored calls and emails asking for answers, and his supervisor has done nothing but say that just because we already uploaded the documents they are now requesting AGAIN to their website " does n't mean those documents shown on our website are in our actual system. It happens. '' Huh? And that 's OUR fault?     To be clear, the only reason we have not been put into review and modified is because they do n't want us to go into review because they would have to approve us. We qualify. We did before with  XXXX , we do now with  Bayview. Th ey seem hellbent on foreclosing on our home, not helping us. They have n't even offered an workout options like a short sale. We have are already lined up several real offers with real buyers with a realtor ready to submit in case we do n't get our modification, an d yet Bayview is p laying it that if they do n't put us in review WITHIN THIS WEEK they will foreclose with NO other options presented to us.     In conclusion :  1. We and Bayview al ready know we qualify for a HAMP Trial or in-house modification based on their own formulas.      2. Bayview in bad faith  has never put us into review by repeatedly losing our documents, and then after we provide them saying they need more. This because they do NOT want to verify our income or qualifications. Because they already know we qualify! They have the pay stubs, the  XXXX , the tax returns, etc.!      3. Bayview ha s at the same time pursued a dual-track strategy to foreclose on us in the meantime.      4. Bayview  has offered NO other workout options besides foreclosure, and refuses to postpone the sales date while they " gather more documents '' or provide other workout. They are hellbent on RUNNING OUT THE CLOCK, i.e., sell our home.
Product: Credit reporting or other personal consumer reports

My credit report contains accounts involved in pending litigation, and these are having a negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against JPMCB XXXX located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, JPMCB XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

Advised legally to file a complaint as my XXXX mortgage company changed fixed terms that differ from my XXXX mortgage company without any real explanation after several attempts to contact.
Product: Vehicle loan or lease

Lender is stating that Ive made no payments in XXXX and is threatening repo. I have proof that I have been making payments and communicated with via text message about discrepancies. On XX/XX/2019 i was told i owe {$360.00}. Ive made {$200.00} payment on the XXXX. Leaving me a balance of {$160.00}. Lender is saying because its late it doesnt count and I dont understand the policy. Of which policy Ive been asking for for over 6 months and never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX Florida XXXX and Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

This is aregarding the nasty, patronizing and unnecessarily personal voicemail left on my phone from an employee of yours -- XXXX XXXX. 

This voicemail advised in a condescending tone that it was " time for me to accept responsibity '' for the debt owed. And that she was going to file for garnishment. And this was AFTER I had informed XXXX XXXX that I was at work and unable to have a conversation about this business matter. Ignoring my plea, she called back four times, then left said voicemail. I would hope that this kind of behavior is not representative of this company.