23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

So around the beginning of last year, I was waiting for my new card from EDDs Money Network bank for unemployment benefits which I never ended up receiving. For a few months, I continued and continued to try to get a hold of Money network, but they are extremely hard to get a hold of especially when you dont have a card from them because it wont let you through the system to even talk to anyone without a card without the number and so on. So I eventually had to submit disputes because I was missing around {$2000.00} from my account during the whole time I was waiting for my card. So when I did finally get a hold of them, I talked to a person on the phone went through the whole process and they did all those disputes for me. Mind you the whole time I was waiting for my new card. I had absolutely no way of contacting them and they know this. I already talked to the guy when I disputed them about this and he was OK with it and he did the disputes anyway if although they were more than two months old. So after waiting for a little while, I contact them again, which was of course hard to get in contact with them again. But anyway, I go about asking why I havent seen a provisional credit for disputes. And this time Im told that I took too long to contact him about the disputes, which is not right. I already had talked to someone about this previously but the new person Im talking to is telling me this and basically denied my disputes. Im told I want to appeal the case to basically email them, all the paperwork that they sent me to send to them in the first place. Not only do they not give me the paperwork or tell me what exactly they need me to send in an email. They have no email to send anything in the first place. Theres literally no email for Money network with EDD to contact them to do this. So I have no option but I guess contacting you and Im contacting a few other people to get this hand handled because they basically are ignoring me and telling me XXXX things like email them when they know they dont have an email to send anything to. This is all due to someone stealing my card before it even reached my mailbox, activating it and using it to make unauthorized transactions. I had around {$2000.00} in this account from a previous unemployment case that I just had left over that basically disappeared because of negligence and not sending me a tracking number or something with my card so I dont even know where it went. Who had their hands on it or anything else. Not to mention the whole time I was going through this dispute process and bugging them about this. They were very unprofessional very rude and its extremely hard to get a hold of these people. Its not even funny. I do not understand why EDD make a contract with the company such as so. They are all horrible and Im sure this is the first time theyve done this to someone. They also I guess decided to close my account. So now I dont even have a account with them. They need to refund the money that was stolen from me and my account. It has been well over a year of me going through this with them and then just being very unprofessional about it.
Product: Prepaid card

Received an Amex gift card for XXXX. Was finally going to use it on XXXX. I tried using it and it declines. The balance was {$25.00}. Showed correct amount thru American Express ' website. 
XXXX. Found a XXXX discussion about it saying to use it to add money to my XXXX account. But it ONLY works in increments of XXXX XXXX. I did it XXXX, leaving {$5.00}. I tried that amount. Didn't work. Checked amex. I inexplicably have only XXXX. FINE! So I go to out that amount into XXXX. But XXXX only lets you put {$5.00} minimum. 
So I have {$4.00} I'll never be able to use. 

But Amex is doing this to countless people, and that adds up. Amex claims it's for security. But I've tried it in person and online and only this XXXX  tip let me even get {$19.00} out of my XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  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 XXXX XXXX XXXX. 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 to be removed. 

They are not in compliance with the following law. XXXX USC XXXX 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! 

XXXX USC XXXX ( a ) Time to make payments A creditor may 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 XXXX  XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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

This is XXXX, XXXX, XXXX, and not equitable to me as a consumer! 

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

XXXX XXXX XXXX ( formerly XXXX XXXX ) should not be on my credit report. The credit report shows me owing XXXX XXXX {$7700.00}, and that is not correct. This company was listed on my bankruptcy ( case # XXXX ) which was discharged XX/XX/18.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX with a balance of {$520.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Please reference case XXXX. Wells Fargo submitted their documents which were used to make their decision on that claim. However, the documents they provided did not show proof that any items where shipped, nor delivered. A shipping label was provided, however the tracking number on the label shows no activity in the USPS system, nor does the tracking number appear in any of the USPS Informed Delivery E-mails I have received. See attached screenshot which shows that the label was created, but no item was ever sent. Additionally, the " XXXX '' documents supplied don't even list a shipping address on it.
Product: Mortgage

We have paid every dime needed to completely pay off our mortgage and the recording fee, however the lender, Nationstar d/b/a/ Mr. Cooper , is insisting that the payment must be made in one payment of {$1200.00}. 

We owed {$580.00} in principal on XX/XX/XXXX. We paid {$600.00} on the XX/XX/XXXX in order to pay off the principal and any residual interest. Once the principal was paid, it was our intention to request a payoff quote and send in the remaining amount due. However, when we checked our account online, the {$600.00} payment sat in an unapplied account and the {$580.00} principal was still outstanding. We called Mr. Cooper and their representative told us to send in another {$690.00} in a cashier 's check to complete the payoff. We did that. Nothing happened.

We called Mr. Cooper again and were told that since the {$600.00} was not payment in full, it has been returned and that the full amount due must be received by XX/XX/XXXX. It's 2 weeks later and we have received nothing. By the time we receive it, the {$690.00} will be returned!!!

We owe {$1200.00}. We paid {$1200.00}. Why isn't my mtge paid??? By the way, Mr. Cooper never notified us of any problem until we called about the unapplied funds.
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Debt collection

Dear CFPB, I am filing a formal complaint against LVNV Funding LLC and Resurgent Capital Services for fraudulent debt collection, failure to validate debt, and unlawful credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These companies have a long history of legal violations and deceptive collection tactics, as evidenced by multiple lawsuits against them. They are attempting to collect and report a debt they have failed to verify, causing harm to my credit profile. 

XXXX. LVNV Funding Failed to Validate the Debt No Proof of Contract LVNV Funding LLC is reporting a collection account for XXXX XXXX XXXX XXXX ( Account # XXXX ) with a balance of {$XXXX}, as well as an additional {$XXXX} collection from an unidentified creditor. 
LVNV Funding claims to have acquired the XXXX XXXX account on XX/XX/year>, yet they have not provided any evidence that I entered into a contract with Just Energy or agreed to this alleged debt. 
I have obtained my original contract with XXXX XXXX, and LVNV Funding has never provided this or any other signed contract linking me to this alleged balance.

Under 15 U.S.C. 1692g ( b ) of the FDCPA, a debt collector must provide proper validation of a debt upon request. Simply stating they own the debt is not sufficient under federal law. 

LVNV Fundings failure to provide contract documentation invalidates their right to collect this debt and means the tradeline should be immediately deleted from my credit report. 

XXXX. LVNV Funding Has a Well-Documented History of Illegal Collection Practices LVNV Funding LLC has faced multiple class-action lawsuits for its fraudulent and deceptive debt collection tactics : Illinois & Wisconsin XXXX XXXX XXXX XXXX was sued for filing lawsuits against consumers without sufficient documentation of the debts. 
FDCPA Violation Lawsuits LVNV Funding was sued for sending misleading collection letters that failed to inform consumers of their right to dispute debts. 
National Class Actions Over a dozen lawsuits have been filed across the country against LVNV Funding for misrepresenting debts, falsifying balances, and attempting to collect time-barred accounts. 

XXXX. XXXX Fundings Reporting is Deceptive and Violates the FCRA The Fair Credit Reporting Act ( FCRA ) requires that all information reported to credit bureaus be accurate, complete, and verifiable. LVNV Funding : Failed to provide contractual proof that I owe this debt. 
Continues to report this account despite a lack of proper validation. 
Misrepresents the legitimacy of the debt by failing to provide legally required supporting documentation. 

Their failure to validate this debt means it is illegally being reported to the credit bureaus and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received letters from XXXX XXXX requesting Experian to removed 2 fraudulent accounts from my credit file. When i try to speak to someone at experian the line keeps looping around in circles and i cant get anyone on the phone no matter how many times i try or i call or follow phone prompt instructions. it just keeps going in circle and sometimes the line drops. 

XXXX XXXX sent me 2 letters and i attached it to this dispute to have those fraudulent accounts removed from my credit profile.
Product: Debt collection

Someone called my home, continuously. I called the number. It belong to Transworld System Collection Agency. The person talked too fast, and I could not understand what her name was. She asked for a person who does not live at my home. I told her that no person by that name lives here. I asked her not to call my home again. She became rude, and told me she could call, and they do not follow the do not call list She tried to tell me that she could call as long as the person ... I hung up on her. But I did ask her not to call again ( XX/XX/2017 ). I looked up their information, and there have been several complaints about this company. They are using unfair and harassing tactics, according to some complaints on the internet.
Product: Vehicle loan or lease

On XX/XX/XXXX my vehicle was stolen from me from a company that I have no contractual agreement with. I submitted a claim on XX/XX/XXXX and someone reached out to me named XXXX and he said that he was going to be investigating this case I have not heard back cents, and I am receiving notice to sell my private property. I am attempting to reach out to the company and they are assuring me that there is no way that someone could have contacted me directly because they do not do outbound calls. I have received false and misleading information from the company
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
XXXX XXXX XX/XX/XXXX XXXX Account Details Payment Status Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$7200.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 0 Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Purchased by another lender Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

In XXXX 2014, I filed a complaint with Harris & Harris , Ltd. pursuant to the Fair Debt Collection Act, hereinafter ( FDCPA ), Section 809 ( b ). 
To date, the said business has not responded. Thus, my state tax refund has been garnished.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Report 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A also states I have a right to privacy.

15 U.S.C 1681C. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), I am writing to formally request the removal of certain information from my credit report. I am a victim of XXXX XXXX, specifically debt bondage, and as such, the debt listed below falls under trafficking-related debt.

In accordance with section 605C of the Fair Credit Reporting Act ( FCRA ), I kindly request that you block and delete the following information from my credit report within four business days : Account Name : Department of Education Aidvantage Balance : {$79000.00} Enclosed with this letter, you will find documentation from an advocacy group assisting me due to my status as a human trafficking victim, which supports my request for the removal of this information. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me when the requested information has been blocked and deleted from my credit report. 

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

I have lodged disputes with XXXX XXXX, First National Bank of Omaha, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was contacted by XXXX XXXX XXXX, on behalf of RC Willey for an attempt to collect a debt for a furniture credit card. I had a balance that I had not been able to stay current due to me incurring an injury while at work which caused me to go out on leave and I was not paid by my employer while out on leave. I kept RC Willey informed the entire time. On this specific date I spoke with XXXX XXXX who informed me that as long as I made the payment in full within 45 days of the collection account being sent to XXXX XXXX it would not negatively affect my credit report. On XX/XX/2022 I made a payment of {$300.00} and set up an authorization for them to process another payment on XX/XX/2022. I checked my credit report on XX/XX/2022 and RC Willey reported that the account had been closed with a balance and sent to collections, so I followed up with XXXX XXXX XXXX and spoke with a representative XXXX XXXX to inform him of the conversation between XXXX and myself he informed me that he would have his supervisor listen to the call and the supervisor would call me back but I have yet to hear anything from the company I also reached out to RC Willeys credit reporting department and spoke with a woman named XXXX and she advised me that they dont have the information from XXXX XXXX XXXX at this time to be able to report to the credit bureaus accurately which should not negatively affect my credit reporting as the account has been paid off in full. I request to have this information adjusted accurately and removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.