23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XXXX XXXX, 2015, I purchased a Reloadit Pack and loaded XXXX onto the card to later transfer onto my son XXXX XXXX card the OnlyXXXX Visa loadable card. I contacted the Reloadit customer service at XXXX. I spoke with the first person out of at least XXXX foreign speaking reps., they gave me the run around like I have never experienced. I contacted the company XXXX XXXX and asked what I needed to do if anything on my end. XXXX XXXX told me that they are no longer doing business with Reloadit. I called Reloadit back and asked to speak with a supervisor. Supervisor denied knowing anything about XXXX XXXX discontinued there relationship with them. Supervisor asked wait ANOTHER 4 hours to see if my money would transfer, mind you this is the 3rd time I have been asked to wait a 4 hour period. The money was not there again. I called back again and spoke with another rep., and was told to go purchase another prepaid card of any type. I called them back and gave them the card numbers and I was told they were not compatible that I needed to go purchase a specific card! I called back and asked to speak to another supervisor. He told me that I had to wait for another 4 hours. At this point I believe they are operating under a scam. Blackhawk Network is the owner of this operation. They do n't answer their phone. XXXX. 
A list of names I spoke with in less than 24 hours : XXXX, XXXX, XXXX, XXXX, XXXX XXXX and a list of other names )
Product: Mortgage

I XXXX XXXX made an attempt to settle this debt, on XX/XX/2020 i was told to mail a check of XXXX to an P.O BOX, Citizens one bank failed to check their mail boxes upon arrival of my check .I have proof of the signed check in which they denied, yet they returned my check 3 months later back dated XX/XX/XXXX XXXX Back In XXXX XXXX notice sent pursuant to Fair debt COLLECTION Practices Act ( 15 USC 1692f ) stating claim and dispute and validation request, in return my check was mailed back months after on XX/XX/XXXX after recieving my debt of validation letter and cease and desist .Under ( 15 USC 1692f ) UNFAIR PRACTICES section ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of mails or telegram, except that a debt collector may use his business name if such name does not indictate that he is the debt collection business.They 've also violated ( 15 USC 1635 ) ( 15 USC 1692b ) ( 15 USC 1692 d ) Harassment ( 4 ) AND ( 3 ) Reporting my information to reporting agencies or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) .. Please remove this account off my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not remember authorized " XXXX XXXX '' to obtain a copy of my credit report. Please deleted this inquiry.
Product: Debt collection

XXXX turned me in to a collection debt company and I have signed an agreement to pay them XXXX a month. 
I mailed a check and sent it back to their lawyer office and just today they labeled me as an uncollected and loss to the company to XXXX. It lowered my credit score. What can I do to get it removed since I already started to pay it off with Rodenburg law firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Collections Management sent me notice for a collection that I do not owe. I have been trying to contact them to resolve the debt and they have been extremely rude and will not help me. I need this removed off my credit, I do not owe this.
Product: Student loan

XXXX / XXXX / XXXX  - submitted a request to loan servicer MOHELA via secure online message for full payment history of my account : " Please provide detailed transaction history of my account from  XXXX   XXXX ,  XXXX  to current. ''  XXXX / XXXX / XXXX  - MOHELA 's Response : Thank you for contacting MOHELA, We will provide you with an automated payment history for your loans while serviced at MOHELA. You may view the last 12 months of payments on MOHELAs website. To the left of this message, please select Payment History under the Payment Assistance heading.     To provide a complete payment history, we will need a specific reason. We apologize for any inconvenience this  may  cause.     We look forward to continuing to service your loans.
Product: Debt collection

i had to move because i was layed off due to covid 19, i was unaware these charges were added to my credit report, i tried to work out a way to pay, but they did not adhere to any resolutions offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address of XXXX XXXX  XXXX XXXX. XXXX, MD XXXX- Should be ONLY address on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXX.
Product: Vehicle loan or lease

On [ XXXX XXXX & XX/XX/year> ], after successfully paying off my auto loan with Navy Federal using a 1099-C, I encountered an issue with the title release. Despite fulfilling my financial obligations, Navy Federal has not sent the title for my vehicle as expected. I have contacted their customer service multiple times to address this matter, but the issue remains unresolved. The delay in receiving my title has caused inconvenience and unnecessary stress. I am requesting immediate action to expedite the release of my vehicle 's title and resolve this matter promptly.
Product: Credit card or prepaid card

I have been an American Express Customer for nearly 2 years. I was recently approved for a number of business credit cards with AMEX. Suddenly, over two weeks ago, they blocked all my cards while they perform a " review of my information '' they requested bank statements which I sent multiple times for their review team immediately and have called nearly daily for an update of what is taking so long. They said they accept my XXXX statement but can not confirm my XXXX statement?? I sent them together. I have bills that come off of my AMEX cards that are being denied. Now they want to call my bank. 

This is private information I have already given hard copy proof. American Express policies dont superceed the law. I am a federally protected consumer under the Code of Federal Regulations and this a breach of privacy for AMEX to demand a phone call with my banker after I have already given them hardcopy proof that I have given them via statements. Where in the law does it state this is required to open up credit? Or that they are able to do this under the equal credit opportunity act. 15 U.S. Code 1691 ( a ) ( 3 ) Please look up this U.S. Code to see what they are doing is DISCRIMINATION and is completely illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im an essential frontline worker and a satisfied Capital One Customer and have XXXX small capital One cards that incurred late payments during the pandemic. 
On one card, I was marked late for XXXX to XX/XX/XXXX, and on the other I was marked for XXXX to XX/XX/XXXX and for the month of XX/XX/XXXX, for extremely small payments. 
My job as a XXXX XXXX requires that I work on ventilation units in public buildings and hospitals. During this time, I caught the XXXX virus on XXXX occasions and although I had no problems financially, I was unable to attend to my day-to-day responsibilities I have seen on the CFPB website complaint history t

hat Capital One has made exceptions to remove late payments for frontline workers. I am requesting that Capital One do the same for me and remove the late payments from my credit report for both cards. I am attaching a copy of m
y XXXX XXXX license ( I include copy of my XXXX license )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each item is XXXX XXXX  true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I looked back on XX/XX/2024 and noticed some things are still incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because : XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate and is reporting under another company as well which has an incorrect balance. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXXXXXX XXXX ( security credit ) XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

My name is not XXXX XXXX
Product: Debt collection

Was contacted by XXXX XXXX with Chaplain Financial Services who stated that I owed xxx amount of dollars and if I did not set up a payment arrangement or take a settlement offer of a lower amount then they would press charges against me. They also stated if I took the settlement offer then they would need to get my debit card information. The company is based in XXXX, GA but they use an international switchboard so that whatever state you live in is the phone number it will appear to be from. I found this out by calling the XXXX office and questioning why the number appeared to be from my state of residence, needless to say I was rudely hung up on. I had my mom send them an email requesting them not to contact me any further unless they can provide all original documentation of said matter. Also when I asked them to fax me documentation, they responded by saying their fax machine was down but they could email me the information. The only thing XXXX XXXX emailed me was a letter stating that I had paid the debt in full with a settlement agreement and that the matter was considered closed.
Product: Credit card or prepaid card

I was falsely advertised a charge card as a credit card. At no point was I informed that I could not carry a balance on the card. I was then asked to pay various late fees and other fees because of the balance on the charge card.     This is a case of deceptive marketing fro m American Express.
Product: Mortgage

Truist Mortgage Company owes me {$1100.00}. We closed on the sale of our home on XX/XX/2023. On XX/XX/2023 they took out this amount through autopay. I contacted them the same day and they confirmed that the loan had been paid in full on XX/XX/XXXX and that I would receive a check for the remaining escrow but this issue would take a few weeks to fix and send that check. It was just an error with the payment coming out so close to the final pay out. On XX/XX/XXXX, I contacted them again as I still had not received the check for {$1100.00}. I had received our escrow refund so they have all the info to make sure I get the money. I spoke with XXXX from client services this time and she said she could see that they took the money out but I was going to have prove that it was actually taken out of my account and then gave me this email address XXXX. This email address seemed fishy to me and I expressed that I feel like they were trying to keep the money they owed me. I sent them the info to that address anyways and, as of XX/XX/2023, I still haven't been contacted with a solution. At this point I think I am a victim of theft by Truist Bank. My next step is to hire a lawyer. I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and trying to get a new home for my family and need this money during this difficult period of transition. Truist doesn't even care enough to contact me.
Product: Checking or savings account

I have tried to use the Chase bank ATM located at XXXX XXXX in XXXX, MI. There were two ATM 's, on apparently has been stolen and not replaced for more than a month and the other ATM, the one that I tried to use did not have cash for two XXXX XXXX in a row. My wife also had a similar issue with trying to use her chase ATM card at a ATM location in XXXX, MI. 
I spoke to the XXXX XXXX XXXX asked that any fee I incur for using a non chase ATM be refunded since the Chase ATM at this branch has been out of commission for some time. 
The associate at the branch stated that they are unable to waive any fee for use of a non chase ATM. 
Please investigate this issue with regards to Chase ATM not working at multiple locations and hold Chase bank accountable to pay any fee for use of non Chase ATM when Chase ATM 's are chronically not working ( dispensing cash ). 
Please do not hesitate to contact me if you need any further information in this regard. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my account with your institution, [ Account Number ]. I have noticed several discrepancies on my credit report and would like to dispute the information being reported by your company. 

Firstly, my account with XXXX XXXXU [ Account Number : XXXX ] was reported as having a late payment. However, I have never missed a payment with this institution and this late payment is not accurate. 

Additionally, I have a collection account with XXXX [ Account Number : XXXX ], which I have no knowledge of. I would appreciate it if you could provide me with more information regarding this account. 

Furthermore, I noticed that XXXX XXXX XXXX [ Account Number : XXXX ] and XXXX XXXX [ Account Number : XXXX ] were both reported as charge off accounts. I had previously worked out payment arrangements with these institutions and was not informed that they would be reporting my accounts as charge offs. 

Moreover, the account with XXXX [ Account XXXX : XXXX ] was reported as a charge off account as well. However, I had been making payments towards this account and was not informed that it would be reported as a charge off. 

Lastly, I have noticed collection accounts with XXXX CREDIT [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], and XXXX XXXX [ Account Number : XXXX ]. I have no knowledge of these accounts and would appreciate any information you can provide. 

I would appreciate if you could investigate these discrepancies and make the necessary corrections to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/19 XXXX XXXX is the name of one of the companies. The company is calling the wrong number. They are asking for someone else who I do not know and is not at my number. I.e. XXXX XXXX, I have told them numerous times they have the wrong number and I am not the above person. I do not have an account, owe a debt or business with this company. Evidently the individual has numerous accounts ; where as several companies with different numbers are constantly calling asking for her. Tele # of company XXXX XX/XX/19 Company name unknown Same issue as above. Tele # XXXX XX/XX/19 Company name unknown Same issue as above. Tele # XXXX
Product: Credit reporting or other personal consumer reports

I was exposed to an XXXX data breach and my information was stolen. And a theift applied for cable service in my name. I contacted Transunion and explained to them the problem. and provided them proof. for some reason it still has not been removed. This issue is causing me housing and vehicle. My interest is very high. and it is effecting the quality of my life for me and my family.. 

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

To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. 
I have sent in multiple disputes and XXXX have removed it of my credit report, but you guys refused to do so. I have submitted my police report and FTC report, with XXXX form of id verifications etc., yet you guys claim that this account has been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : XXXX. The date you contacted the creditor. 
XXXX. The contact information for the creditor. 
XXXX. The name of the person who verified the item to you. 
XXXX. The method of communication you used to verify this information. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX 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 a account without my written instructions.
Product: Debt collection

I am not sure what this debt is and they wont give me information on it, I have called so many times and cant get a hold of anyone
Product: Credit reporting or other personal consumer reports

I am currently disputing inaccurate details within my credit reports and urge you to conduct a thorough investigation. Specifically, I request the removal of any false, incomplete, outdated, or unverifiable biographical information. This action is essential to ensure the accuracy of my records and to mitigate the risk of identity theft or erroneous file amalgamation. 
these accounts are closed but is was last reported XX/XX/XXXX as negative. This inaccurate and false reporting. Ive worked extremely hard to pay my bills and keep my consumer report in tact. These negative accounts are causing me denials for opportunities I should be considered for. 

XXXX requesting you to delete these inaccurate accounts before I have to exercise my Federal private rights of actions in court. 

How can these be negative and late if closed in XXXX but reported XX/XX/XXXX as a negative ITEM. 

Dept Of Ed/XXXX Account XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Last Updated XX/XX/XXXX