23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern Please send me a debt validation claim per 15 USC1692G 1 I want you to send me a full detailed list of payment history on this account.

2 I want you to see the original signature that I agreed to on the contract with the creditor.

3 has it been any insurance claim found on this debt 4 I want to see the claim of Title that you have to collect on this debt.

Please provide all the documents within 30 days or please remove it from my credit report.

Thank you
Product: Credit reporting or other personal consumer reports

Yet they have not Did not provide me any reference to how they verified my account when I asked them how was my account verified all they would tell me is they verified it they verified it they verified it it was getting very annoying and now I'm being affected by this
Product: Credit reporting or other personal consumer reports

The following inquiries are being report on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ) .None of these credit Transactions involved the extensions of credit to, me, the consumer, although there was intent to use my information in connectiontherewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demnad that the aboveinquiries be deleted from my credit file because they are causing irreparable hand to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the addres above and to the necessary creditirs within the allotted legal time frame
Product: Credit card or prepaid card

I received an email promoting the Citi ThankYou Premier Card. After spending {$4000.00}, I was to receive XXXX ThankYou Points. I applied, was approved, and spent the amount. After this, I was informed I was not eligible to receive the points. 

I contacted Citi after meeting the minimum spend and they informed me that I was not eligible to receive the points. 

This is misleading and I am extremely upset I have taken a hit to my credit, paid them an annual fee, and now receive nothing. They keep giving me the run-around and I have chatted with multiple support specialists, called and been placed on hold, and have no results.
Product: Money transfer, virtual currency, or money service

Venmo froze my account with over {$800.00} in it and tried to tell me theyre not going to release my funds for 180 days
Product: Credit card or prepaid card

I misplaced my Wells Fargo debit card. On XX/XX/2022 Wells Fargo refused to promptly issue a temporary debit card. Wells Fargo verbally stated that it will be 2-3 weeks from XX/XX/XXXX before I receive my replacement debit card in the mail. This means 2-3 weeks of being unable to make online purchases that I planned to make last week. This means 2-3 weeks of waiting in line for assistance from a teller when I withdraw cash from my checking account. This means 2-3 weeks of being unable to withdraw cash on Sundays or holidays. 

I have filed complaints with the XXXX XXXX XXXX and the Federal Reserve. My XXXX  complaint number is XXXX. XXXX XXXX response to the XXXX  was dismissive of the problem. The Federal Reserve has not provided me with a case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, long story short I had bought a large cage for my small animals that costed around {$300.00} from XXXX, since I knew I had other bills coming out, I applied for a loan through XXXX  that would bill me monthly until it was paid off. Once I had realized I could pay the rest of it off in full, I did. About 2 weeks after it was paid off, I had noticed my Fico credit score on Experian drop by almost 50 points from very good to good! I am so upset over this as I need a new car and a great credit score and Ive been working so hard to keep it that way. I have proof it was paid off EARLIER than it was supposed to be, and yet it STILL went against my credit as an unpaid loan. Ive called the customer support and they have been of no help and also filed a dispute through Experian, which somehow didnt end up going in my favor.. I want my credit score brought back to its original state asap, and I want Experian to get better. I have no late bills and I dont deserve my credit to be tarnished like this when I paid a large bill off EARLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXXXXXX XXXX  XXXX. XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XXXX
Product: Mortgage

I am trying to work with PHH Mortgage for my uncles property of which I have power of attorney and they are not responding to my repeated requests for information or help. They answer the phone overseas and do not transfer me to anyone who is actually helping me obtain any information needed to save his property. I have the right to recover the property and they are not helping the process at all. They also did a refinance last year after he had a XXXX and he does not understand everything he signed for and now he is losing his house to these predators. Help please.
Product: Debt collection

My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX  XXXX XXXX XXXX   was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, XXXX XXXX XXXX, via email and phone. I was referred by them to Halsted Financial Services, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.
Product: Checking or savings account

I was traveling over XXXX miles away from where I live and I went to make a purchase and my card declined. I have over {$6700.00} in my account so I knew it wasnt due to funds being low. I called the Citibank number and was transferred 2 times and the lady I got whim barely spoke XXXX, said she couldnt verify my phone number and hung up without allowing me to speak. I called back and the same thing happened. I called again and asked for a supervisor and was told the same thing, that they couldnt verify my number and there was nothing they could do. I explained I am stranded, out of town with my kids in a car and I need this taken care of. They insisted there was nothing they could do. I asked for another supervisor and I got an account manager who said the same thing. Nobody offered help, nobody would even try to verify it was me. I gave them the place of business, the transaction amount, I offered all of my person information to verify it was me and they refused to help me. She said they would send a letter with a reference number and she still wouldnt confirm what address they send it to so Im here not not knowing where this letter is and whats going to happen. They offered no help. I am stranded out of town and cant feed my kids.
Product: Debt collection

On XX/XX/2023, I spoke with a representative of Portfolio Recovery via telephone call and requested the original contract with my signature, the original creditor information, including names, address, and phone number of the original creditor, the payment history, with the itemized billing associated with the account, and proof of ownership of the debt that is owed. As of XX/XX/2023, I had not received this information, going past the allotted 30 days for this information to be turned over to me. I requested in writing on XX/XX/2023, for Portfolio Recovery to provide the above documentation. On XX/XX/2023 and XX/XX/2023, I received a letter in the mail from Portfolio Recovery with billing statements from the account, however it didn't include the payment history, the itemized billing associated with the account, or the original contract with my signature on it. According to the Fair Credit Reporting Act, section 609 A1A, Portfolio Recovery is required by law to verify through physical verification of the original signed contract, all accounts that you post on a credit report. I demand to see verified proof, and until the above documentation can not be provided to me, I do not believe validity has been established. I am asking Portfolio Recovery to provide the payment history, the itemized billing associated with the account, and the original contract with my signature on it. If they are unable to produce these documents, then the debt needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help.
Product: Credit card or prepaid card

on XX/XX/XXXX I used my card for a {$100.00} deposit for a complimentary room at a hotel on the XX/XX/XXXX the hotel released my deposit back to my card but netspend did not post it.On XX/XX/XXXX I again used my card for another {$100.00} deposit for a complimentary room at the same hotel the hotel released the funds back to my card and netspend did not post it.

I called netspend and was told XXXX XXXX XXXX XXXX tried several times to release the {$100.00} deposit back to my card for both deposits but netspend informed me I need a letter from the merchant stating i would '' nt be charged in order to put my money back on my account and would need a letter from every merchant for a refund in the future. 
Once the merchant released my deposit it should have been posted to my account instead netspend would like me to jump through hoops to retrieve it. 
i am also missing a refund in the amount of {$82.00} from a purchase i made at glock store online on XX/XX/XXXX and was told once again i need a letter from the merchant to retrieve my funds.
Product: Mortgage

I applied for a loan with this company on XX/XX/2020 under the promise from the Loan originator Mr. XXXX XXXX that I was going to be approved, all the items on my credit. 

I was convinced by Mr. XXXX to pay {$500.00} application fee to make it official. My loan was denied last week due to incompleteness and I turned all the documents that were requested in a timely manner. 

So far Mr. XXXX or Amerisave have not communicated to indicate where the " incompleteness '' is coming from. 
I feel that I have been scammed by this company.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with Experian, XXXX and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved.To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. I contacted Experian, XXXX and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and XXXX Credit Bureau 's requests. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. A formal written acknowledgment of the removal of the fraudulent items. Compensation for any financial losses or damages incurred as a result of these fraudulent items. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

One main financial scenario, In XXXX of last year i received a pre approval on XXXX for the credit cart I applied and they approved me for XXXX The card was never received nor activated They confirmed over the phone that the account was past due but saw it was never activated or used. The only charge was a {$34.00} fee from them directly. 

The rep confirmed the card was not activated and waved the {$34.00} fee. 

Following waving the fee he asked me if ide like the card sent or close the account. I asked him to please close the account I dont need the credit card I just dont want my credit being affected for a card I never received, activated, or used. 

He closed the account for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from XXXX and XXXX agencies. Please see below the list of accounts that are reporting derogatory on XXXX and XXXX 1. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apond checking my credit report, I have notice that I have had several fraudulent accounts and inquiries on my report. I have reached out to the credit report agencies to fix this problem due to identity theft.
Product: Prepaid card

I am filing this complaint regarding a XXXX XXXX XXXXXXXX issued by Blackhawk Network Holdings , Inc., which has been completely unusable. Despite filing a prior case ( # XXXX ) requesting a resolution and asking for a check to replace the cards value, no action has been taken to resolve the matter. Instead, I received an unhelpful and dismissive response that failed to address the issue. 

The card can not be used with any online merchant. I have attempted to use it at multiple retailers, and each time I receive an error stating that the purchase can not be processed due to an issue with the card. This has occurred consistently, with no exceptions, across all platforms Ive tried. 

It is extremely frustrating that I must now file another complaint because Blackhawk Network Holdings has chosen not to address the problem appropriately. Their refusal to replace the unusable card with a check is unreasonable and unacceptable.

I have used countless gift cards in the past and never encountered one that was completely nonfunctional. This is by far the most disappointing experience I have had with any rewards or gift card provider.

I am demanding that Blackhawk Network Holdings issue a check for the value of this unusable card immediately. If this matter is not resolved promptly, I will continue to escalate the issue by filing further complaints, including with the XXXX XXXX XXXX and other consumer protection organizations, to ensure they are held accountable. 

Thank you for your attention to this matter. I look forward to a timely and satisfactory resolution. 

Sincerely, XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX VA have claimed for medical services but they provided lab services and sent bill to wrong insurance company which is the parent company of XXXX XXXX XXXX XXXX XXXX. The insurance company paid lab portion of the bill but not medical services. I have asked the XXXX rep about it. They told me to provide my Insurance ID and Copy of my Driver license once again and they will correct it and I did. 
Two bills one for me and for my wife {$89.00} each for medical service but we both went to get the lab work done which is covered by our insurance. Our primary doctor covers all medical services and our insurance pays 100 %. XXXX XXXX told us they participate with our insurance and the bill will be covered. XXXX XXXX XXXX never called or send us the final bill showing if insurance didn't pay after their submittal or what portion of the bill is paid by insurance. Instead they have sent it to collection agency. This is totally unexpected behavior from a reputable company like XXXX. If we owe or didn't call them than they could take action as needed. They ignored to inform us or made any attempt after my submittal of requested documents.
Product: Credit card

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX that now is being handled by XXXX XXXX  that is not even licensed to collect in Texas. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also XXXX XXXX never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified XXXX XXXX  that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Product: Mortgage

Today XXXX I completed a request online with LendingTree to get information on home equity loans. I had 3 representatives from mortgage companies call me. XXXX XXXX from XXXX XXXX XXXX XXXX a Loan Officer NMLS # : XXXX ( XXXX ) XXXX called me and after discussing what I was looking for XXXX wanted to confirm she had the correct social security number for me, I was extremely concerned since I never gave her, her company or LendingTree my social security number. I asked how she had my ss # and she said it was on the form she received from LendingTree. How can LendingTree obtain my social security number without my permission and how are they allowed to share with others without my permission? I have worked hard to build a good credit score and I thought I protected my personal information. I would like them to never be allowed to do this again.
Product: Credit reporting or other personal consumer reports

The federal government automatically transferred my students loans to XXXX 2 years ago from Aidvantage. There is a duplicate of the loan stuck on my credit report for Aidvantage.
Product: Money transfer, virtual currency, or money service

My Bank of America account was hacked into and someone by a name I do not know transferred themselves a large amount of money through XXXX without my consent. The amount was {$1600.00} and the transaction took place on XX/XX/2021. I noticed this fraud IMMEDIATELY and called Bank of America within hours of the XXXX transfer. They told me they would attempt to stop the transaction and regain the funds. To this day I have nothing, I have no update from them except they are waiting to hear back from the other bank. They told me if the bank doesnt send them back the money I will lose my {$1600.00} even though someone hacked into my account and this was a case of fraud. They said theres nothing I can do because the FDIC only protects my money if the bank goes out of business and my money is not protected otherwise.
Product: Student loan

Hello, I went to XXXX XXXX graduating in 2007 with an XXXX XXXX XXXX with over $ XXXX in debt. XXXX XXXX has closed and has been found for defrauding students and being a scam school. My borrower defense application for my public loans is # : XXXX but the amount I was defrauded in private student loan debt to this day is a financial burden. 

I am requesting it be looked into that my loans with Navient are refunded due to XXXX XXXX defrauding students and my final private loans with XXXX be discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from my original mortgage lender Bank of America ( BoA ) dated XX/XX/2021 which indicated that they were transferring my loan to Nation Star d/b/a XXXX XXXX. This letter stated that the change in servicer would not affect my credit score but it indeed has. This change has caused a XXXX plus points drop in my credit score across all three credit reporting bureaus. On XX/XX/2021, I contacted BoA and XXXX XXXX to file a dispute and the reps told me that the change in servicer should not affect my credit score. XXXX XXXX rep stated that I would receive a result of their investigation within 7 days - I have not received anything from them other than my issue requires further investigation. I also filed disputes with each credit reporting bureau. XXXX and XXXX notified me that the results of my disputes were complete but when I log in to see the results there is nothing there, to show that anything was done. I am desperately seeking help to resolve this matter and I have never paid my mortgage late and now this change has caused such a drastic decrease in my credit score. Please help!