23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received a Visa Gift card purchased by my mom for my birthday. She bought it from a store that sold Vanilla Gift cards. 
When I opened the card a large portion of the barcode tore off of the back of the card making it unusable. 

I went called the customer care number on the back XXXX There wasn't a prompt for my issue and there is no way to speak to anyone. I went to the website and read the options. It said if you need to replace the card call the Customer care # which I did again. There is not an option in the prompts for replacing the card. 

I just need a replacement card. I check the balance and it's {$25.00} and there have been no charges. 

My mom is XXXX XXXX and she purchased it with her credit card- her billing address is XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX I would like help getting a card replaced or refunding my mom 's credit card. 

Thank you for your help. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MT XXXX XXXX XXXX
Product: Debt collection

The worst part is that a one-time payment agreement of approximately {$3000.00} was made for all the procedures, but the dentist kept sending bills. Despite my mother 's active attempts to communicate and resolve the issue, nobody took responsibility, and there was constant evasion. Promises of a refund were made at one moment, followed by refusals to answer calls or provide any resolution.
Product: Debt collection

This is time sensitive as I may not have a home in a few weeks, please have someone follow up with us as soon as possible. 

In XXXX we have requested forbearance due to COVID. Since the beginning of XXXX we have been trying to get our packet from the mortgage company to re-install payments corrected, as initially they were trying to list our house as a foreclosure. We were advised by phone in XXXX that the loss mitigation was not needed ( although we have turned in the required paperwork anyways ) and that the payments due would be applied to the end of our loan or our payments would adjusted to repay over the next ten years. We have been calling weekly since then and keep getting advise we are waiting on the packet. 

On Friday, XX/XX/XXXX we received a notice that our property would be sold for auction on XX/XX/XXXX and on Sunday XX/XX/XXXX we have an inspector arrive to our property. 

I called again today on XX/XX/XXXX and advised of the notice, the inspector, and our current situation. Once again we were advised that the loss mitigation has been escalated and we should be receiving our paperwork to continue our payments. 

I am aware that a payment is due. I do not know how much to pay as I was told I may have to pay the past due amount since XXXX or continue payments as they were prior to COVID. I do not trust that I will get this taken care of in the promised next 5 days. I do not know if I need to find a place for us and our children. 

Please help.
Product: Debt collection

Portfolio Recovery purchased an old debt from XXXX XXXX XXXX XXXX which I believe is a XXXXXXXX XXXX card. I contacted them about the validity of the account amount and dates which I believe to be incorrect and recieved no proof in return. They began reporting delinquancy on my credit report and changing the year of the account open date to more recent dates in order for it to remain on my credit report. I disputed with the credit reports and the only resolution that came from it is the account now states dispute resolved, cunsumer disagrees. Not only are they reporting wrong information damaging my credit but they call multiple times daily, at odd hours, from different numbers, sometimes leaving messages pretending to be legal companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a Certified Debt validation letter to XXXX, XXXX, and Transunion requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.
Product: Credit reporting or other personal consumer reports

i disputed these addresses they are unmailable means mail did not reach its intended distination due to the address being incorrect, incomplete or illegible XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ill XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2016 I requested a transfer of {$2000.00} from my saving account ( XXXX saving XXXX ) to my checking account ( XXXX + XXXX checking XXXX ) I was told I could not make this transfer because there was a hold on my account because there was no signature card on file. 
REGIONS BANK CUSTOMER SERVICE e-mailed me a blank signature card and requested I have it NOTAEIZED and e-male it to them ( attached ). 
I complied with this request ( attached ) 3 times each time I was told to go a local branch I live in XXXX there is no local branch so I mailed the form with a return recipe ( attached ). I was told this was a copy and not accepted. and sent another form I had that form NOTARIZED and mailed to them. note : raised stamp is not required in VIRGINIA I have had a checking account with Regions Bank for over 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

under the fair credit reporting act i have proof that accounts below has been reporting incorrect information on my behalf. these accounts are XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX
Product: Credit card or prepaid card

I had an issue with an item I purchased on XXXX where the item came from a third party seller. Item was a camera that did not come with a wall charger and connected to its own WiFi that did not work unless my cellphone was within 10 feet of the camera which defeats the whole purpose of having the security camera. Contacted the seller for a refund they sent me a return label where I as the buyer had to pay return shipping. Item was received by the merchant and the merchant refuses to Respond to communication and will not issue refund. I contacted Bank of America credit card to dispute the charge I mailed them the documentation necessary and they claim they dont have anything and the only way to give them information is by mail only. Post office lost correspondence sent to Bank of America.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. 

Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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. 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, credit repair services, or other personal consumer reports

I use XXXX XXXX to periodically check my credit score and when I checked it around the middle of XX/XX/2020 I noticed that a collection agency ( XXXX ) that I paid off, was saying I just made a payment not a pay off, which would reflect differently on my credit score. So I made a dispute with TransUnion. At the time of the dispute my credit score was around XXXX, about a week later my credit score jumped to XXXX, so I thought the problem was fixed. Then around the first week of XXXX, I noticed my score dropped 12 twelve points on the TransUnion side. When I tried to check on what happened on the TransUnion site, it simply says that periodically adjustments are made. I am concerned that I might be Getting retaliated for putting in a dispute in the first place.
Product: Credit reporting or other personal consumer reports

Inaccurate, incomplete, or unverified information is being reported. In some instances information from third-parties and not the original creditor is being reported. 

Also, an initial fraud alert is showing on my report and I never placed a fraud alert on my report ever.
Product: Debt collection

GRANT & WEBER has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe GRANT & WEBER any alleged debt and would like them to provide proof of claim with authenticated verification. GRANT & WEBER has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, has violated my rights. Under15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. In addition, I was not given the option to optout under 15 USC 6802 B. Also, under 15 USC 1681a ( 2 ) ( a ) ( 1 ) late payments should not be reported as negative information.
Product: Credit reporting or other personal consumer reports

I don't have any information about these inquiries, and the company conducted them without my permission.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Subject : Identity Theft and Lack of Response from XXXX I am writing to bring to your attention an ongoing issue I have experienced concerning identity theft and the inadequate response from XXXX in addressing my concerns. Despite my diligent efforts to resolve this matter, XXXX has not acknowledged or responded to my previous letters, while I have received initial responses from XXXX and Experian. Initial letters were sent on XXXX XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers are entitled to place a fraud alert on their credit reports when they suspect they are victims of identity theft. This law mandates that credit reporting agencies, including XXXX, must take necessary steps to investigate and respond to claims of identity theft in a timely manner. 

I have completed an identity theft affidavit and an identity theft report, which I have sent to all three bureaus along with a copy of my credit report. Additionally, I included a list of past and previous letters I sent to the bureaus regarding this issue. I have also provided proof of delivery for these letters, which I sent via certified mail. 

Recently, I have discovered new inquiries on my credit reports that I did not authorize or initiate. This further exacerbates my concerns regarding the integrity of my credit information and the need for prompt action from XXXX. 

I kindly request that the CFPB investigate this matter and assist me in ensuring that XXXX complies with its legal obligations under the FCRA. It is essential that consumers are protected from the repercussions of identity theft and that credit reporting agencies fulfill their responsibilities in a timely and effective manner. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and guidance on how I can further proceed to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX that there was a hard inquiry under my info for Bank / Credit Card Inquiry COMENITYCAPITAL/IKEAVC. 
I did not at any time make this application. Was on hold with ikea credit card fraud department for over an hour. No help provided. Just left on hold.
Product: Credit reporting or other personal consumer reports

My car was voluntarily surrendered to Bridgecrest. Before surrendering it I spoke to them about the vehicle and they ensured me that it would not hurt me. I reached out in XX/XX/XXXX regarding the reporting inaccuracy and was unable to get a response. Each time I reached out to Bridgecrest they would say I need to speak to a debt collector. In early XXXX I submitted a dispute thru XXXX XXXX After doing so the account was showing closed and was not hurting my credit. Well I just check my credit report and see that it is infact reporting late payments. Bridgecrest updated the information on my credit report as surrendered however they are still showing late payments.

From my understanding once I surrendered the vehicle the late payments would stop. It is reporting late payments on all 3 credit reports. I am requesting that the CFPB intervene and assist in removing the inaccurate late payment entries related to this voluntarily surrendered account. This is really affecting my credit report. Thank you for helping me resolve this issue.
Product: Checking or savings account

PayPal has closed my account and is holding my money for $ 180 days. ( 6 months )! 
They said they are holding it due to if someone wants a refund. I have a personal account not a business account. The only money put in my account was from unemployment. Which I really really need. 
I've tried every Avenue I can think and I still am not able to withdraw my funds. 
I just want to send my money to the prepaid service I use now
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX/XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 1 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Student loan

Attended XXXX University, formerly XXXX College, which was a private for-profit university in XXXX, Tennessee. It closed in XX/XX/2014 due to Bankruptcy. Federal Aid had already disbursed to the University prior to shutting their doors. Have tried every imaginable way to recuperate the Student Aide balance already paid out that was never returned. 

With Student Loan Forbearance now ending it would be a great financial stress relief to use the Federal Aide never returned to pay down my Student Loan Balance. 

FASFA portal will also support claim and give exact dates and amounts
Product: Student loan

I have student loans just a little under $ XXXX. I XXXX XXXX  in 2009. I am still paying on these loans and the amount is not going down. In the last 2 months alone, I made XXXX payments of {$500.00}. Only a measly {$76.00} dollars went towards the principal. How is this legal? The loans have only went down about {$2000.00} in the last 20 years. I have bought campers and vehicles that cost $ XXXX and have paid them off in XXXX years. This whole system is unjust and unfair. I was an adult who went back to college later in life which means I am now going on XXXX XXXX XXXX. I will go to my grave paying back these loans. There has got to be something done about this. I just don't see how this is legal.
Product: Debt collection

ASCENDIUM COLLECTIONS has violated the FCRA by RE-AGING accounts AND reporting misinformation to credit bureaus which affected my credit scores, my financial life and my family 's life for over 2 years now.

Below are the inaccuracies which I have complained to credit bureaus about as well as ASCENDIUM and no one is taking this matter seriously. I have requested multiple times for them to prove this debt belongs to me and to correct my report and all I get is avoidance. 

Please see my credit reports as well as the items I have addressed with them below. 

A scendium XXXXYou are reporting that this account is a Charge Off and that there is a Balance and Past due amount of {$17000.00}? It can not be both. You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX is showing date last active is XX/XX/XXXX and date of last payment was XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal. 


XXXX XXXX AGAIN, with this account you are reporting that this account is a Charge Off and a Past due amount of {$15000.00}? It can not be both! You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. Equifax is showing date last active is XX/XX/XXXX and date of last payment iss XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal.
Product: Debt collection

I purchased a XXXXXXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX within that purchase i had a XXXX XXXX transit XXXX that i was financing and still owed money towards. I was informed I could advertise the XXXX on the lot of XXXX XXXX truck for sale to be able to pay off, there is a signed contract for that on XX/XX/XXXX. I was informed on XX/XX/XXXX a pay off payment was made however, on XX/XX/XXXX i was informed that it was returned. XXXX XXXX informed me that he was going through IRS problems and his account was garnished. However, he reached out asked for another contract to be made so the XXXX could be paid off and resolved. On XX/XX/XXXX we then signed another contract stating he would pay the rest off by XX/XX/XXXX and that did not happen. I currently don't have the XXXX XXXX transit XXXX and i no longer can reach XXXX XXXX or anyone at XXXX XXXX XXXX sales. This is currently affecting my credit at it shows delinquent and i owe on something i do not have in my possession. He also stole my XXXX XXXX XXXX XXXX that i had housed on nationwide XXXX lot.
Product: Debt collection

I was contacted earlier this year by Midland Credit Management, which claimed to be collecting on an account sold to them by XXXX which had gone delinquent. I denied that I had opened this account or charged anything on it, and noted that they seemed to have a wrong phone and XXXX for me. XXXX insisted that I had opened the account and has continued with collections activity, including filing suit, which I have denied. I am now preparing to fight the case XXXX XXXX. I believe my case is an example of synthetic fraud, with someone having stolen some elements of my identity and then applied for credit utilizing them and another bank account, phone, email, etc. 

- The date XXXX claims the original account was opened was XX/XX/XXXX. 
- They claim the account charged off on XX/XX/XXXX - XXXX amount in question is claimed to be {$5300.00} - I replied to XXXX in early XXXX, and challenged the account and requested arbitration, which appears to have been granted. 

I do not have a full XXXX XXXX XXXX account number ( this has not been supplied to me, but the account has been referred to as XXXX. 

XXXX 's internal account number for the case is XXXX.
Product: Vehicle loan or lease

My name is XXXX XXXX. In XXXX XXXX, I went to XXXX XXXX in XXXX XXXX to obtain a vehicle. Everything was going great. I was told that financing was obtained and everythng was a go! So a little more than 2 weeks later, I had recieved a call from the sales professional who had delivered the car to me regarding that they had to unwind the deal due to financing was not obtained. I then at that time expressed that it was over the 10 business day time frame and that per Federal Regulations, financing had to be obtaned and I did not have to return the vehicle. Then I thought about it and I did not want the drama in my life. At the time I was in California visiting my family. When I returned back to Vegas, I went to the dealership the next day and returned the vehicle. I returned the vehicle in the same condition I drove it off in. When it came time to discuss returning my down payment, a bald gentleman stated that since they had to provide insurace, I had to pay XXXX. I tried to dispute the claim but in the end, U was returned XXXX approx. So I went home and did my research and found out that they were comitting auto fraud. I had been trying for almost 2 yrs to get my XXXX back. I have been very unsuccessful in doing this. The sales men at XXXX XXXX have verbally expressed to me that they dont owe me anything due to the fact that I signed a contract. I have tried to explain to them that the Federal rules and regulations superseed the contract that was signed. I had been going throught this for almost 2 yrs now. Today XX/XX/XXXX, I have been here at XXXX XXXX since XXXX this morning, watching them do spot deliverys all day and comitting fraud like its not illegal. I have been yo-yo 'd around all day. The XXXX told me that he would pay me my XXXX today. Well here it is XXXX XXXX  and I still an sitting here waiting for him to pay me and still i have nothing. I am so in need of your help. I am a single mother and grandmother and can not afford to loose this money. It seems like they are doing nothing but stringing me along and hoping that I will give up. Well they are in for a huge fight, I have read and studied the Federal rules and regulations regarding this type of situation. I know in my hearts of hearts that I am 100 % within my rights and that my rights are being violated by XXXX XXXX.