23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Located a misplaced gift card. Checked to ensure there was a balance on the card on XX/XX/XXXX. Was advised the card/account was closed via the automated system ( XXXX ). I then chose the option to speak to a representative as I don't remember using the gift card. When I spoke with the representative she advised that the account/card was in deed closed. She advised that after the card had been opened for a year, then beginning charged an " inactivity '' fee of {$5.00} per month. Since the card was issued in XXXX, the {$5.00} fee per month began being charged until the account reached a XXXX balance and then was closed. 

This seems to be unethical, as the person who purchased the gift card paid for the {$25.00}. They received a free {$25.00}! Also, on the front of the card it advises the card is good thru XX/XX/XXXX. Seems misleading! Makes the recipient of the gift card think the card is good through XX/XX/XXXX, which technically it is not! If you are going to start charging fees after 12 months - maybe make the good through date for only 1 year, not XXXX! There is also nothing on your website 's FAQ section regarding this either - hiding it are you? 

I work for a XXXX XXXX XXXX  and I actually work in our XXXX XXXX XXXX for that said XXXX XXXX  and am very aware of this process and I realize you are going to give me some " canned '' response saying it's in the Terms and Conditions ( which I didn't get b/c the purchaser of the gift card only gave me the card in a gift box. And, I realize NOW after speaking to the representative, the information is printed on the back of the card in the " fine '' print. Again, I realize you are covered by this - however feel this is a XXXX concern as it is misleading since this is a gift card ( which normally not have fees charged ) and the good thru date is in XXXX!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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- ( ipromptly 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My cell phone was stolen in XX/XX/23 and someone did to zelle transfers from my XXXX check oh account 1- {$100.00} 2XXXX {$300.00} To an unknown individual-XXXX XXXX I did not authorize these payments Do not know this person. Did not do any XXXX  transactions to anyone Someone stole my phone at the gym Ive noticed my bank on XX/XX/23 of the fraud XXXX  wont return these funds I filed an incident report with XXXX county police department regarding these charges
Product: Credit reporting or other personal consumer reports

I am disputing an inquiry made by BMW XXXX or XXXX on XXXX XXXX, 2023, that appears on my credit report. I did not authorize this inquiry, and there is no record of my consent for this action. I have reached out to the company to provide documentation proving that I authorized this inquiry, but I have not received any response or evidence supporting their claim. This unauthorized inquiry is negatively impacting my XXXX XXXX, and I request that it be removed immediately from my credit report. Please investigate this matter and take the necessary steps to correct my credit report by removing this unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity thief has been impersonating me to XXXX  for over a month. She closed a card I had with a {$10000.00} credit limit, without my consent, causing my credit score to drop XXXX points.
Product: Mortgage

In XX/XX/2018, Bayview acquired the loan on my home from XXXX. When I contacted Bayview via phone on XXXX XX/XX/2018, after having already spoken to XXXX, I was informed I would have a 60-day grace period before my first payment with Bayview. Evidently, this was not the case. I filed a complaint with CFPB to obtain assistance with resolving the issue and began paying the arrearages. As I had stated in my previous complaint, I had been unemployed for several months the previous fall and had fallen two months behind on payments when Bayview acquired the loan. By XX/XX/2018, my employment was steady and I was able to make additional payments. Between XX/XX/XXXX and XX/XX/2018, I made four payments to bring the mortgage current and pay the two arrearage payments. The statement attached shows a payment made to XXXX in XX/XX/XXXX, as well as the payments I have made to Bayview. I am confused how Bayview can hold my payments in suspension, changing the monthly payment due from {$400.00} ( XXXX ) to {$430.00} ( Bayview ) without signed documentation, or at least a refinance / modification request. After much research, I found that Bayview was fined and found at fault with another mortgagee who attempted, in good faith, to work with Bayview, but the appellate court found Bayview to have engaged in " deceptive '' practices. This is why I need the assistance of the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than XXXX days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over XXXX year I sent {$4800.00} per month to Self Financial for a credit builder account. I completed that program successfully after 12 months. As well, I applied for a VISA account with Self Financial which was granted ; however, over the last 12 months Self Financial has neither reported my Credit Builder Account nor my VISA account to my XXXX credit bureau and in result of that, my credit bureau with XXXX is far lower than my other credit scores. Repeatedly over 12 months, not less than XXXX times, I have approached Self Financial. They refuse correct this matter and keep sending me back to XXXX telling me that depending upon where I got the information it may be inaccurate to the credit bureau. That is false. Both on the XXXX website and XXXX XXXX through my bank, powered by XXXX, the accounts are not report. My VISA account number is XXXX and the credit builder account as follows : XXXX Account XXXX and CD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via mail to let Experian know the following accounts are not mine. Instead of disputing the accounts, they chose to dispute the inquiries listed on my credit report which I did not submit a dispute for. This is a clear tactic to try to keep erroneous information on one 's credit report just to buy their products. When i called Experian they refused to explain why the accounts were not disputed. They are fraudulent accounts that do not belong to me : 1. XXXX  XXXX # XXXX 2. XXXXXXXX XXXX XXXX # XXXX 3. XXXX XXXXXXXX XXXX # XXXX 4. XXXX XXXXXXXX XXXX # XXXX 5. XXXX XXXX # XXXX 6. XXXX XXXX # XXXX
Product: Mortgage

In XXXX of XXXX I was given a loan for a single width mobile home through XXXX Mortgage. They switched it to Green Tree XXXX and next to Ditech. The home started deteriorating in 10 years and is now unsafe to live in as I have had electrical problems and many of the pipes are broken where the bathtub and faucets in the master bathroom are not functioning. The floor under the shower has completely caved in, windows are crooked and allow flies to get into the house in warm weather. Most of the floors have buckled under the legs of furniture and the rain has caused the areas around the windows to buckle. Walls are little more than cardboard. I believe the flooring is waferboard and unfit to for flooring foundation. When I tried to trade this XXXX XXXX, the dealer at the XXXX in XXXX told me he could n't because the house is worth much less than what I owe and that this sounded like a Predatory Mortgage Loan. He said that mobile homes do not have 30 year mortgages because they do n't last that long. He said my loan should have been a 15 year loan at the most. Also, right before Ditech took the predatory loan over, they added about {$100.00} to my monthly payments which went from {$360.00} to {$460.00} a month. Ditech claims the {$100.00} is for insurance, however, as of yet they have repaired nothing although I have made several claims. I was also told I should complain because when they put the mobile home on my property, they did not put it on a cement foundation and instead put it on the ground which has caused the home to sink. Renters have rights, therefore, mortgage holders should also have rights if the predatory lenders do not offer to repair wear and tear on a mobile home. I can not come out of pocket for much because of the monthly payment inflicted on me. I would like to take this to the courts to get justice. Everyone is saying I should not be paying anything. I have taken pictures to back up all my allegations in this complaint. The interest rates are too high, as well.
Product: Debt collection

They are reporting inaccurately to all three credit reporting agency the allege amount that is owed. when i ask for a valiation they sent me statements and the states say that the allege debt is XXXX but reporting XXXX the next on is XXXXand they are reporting XXXX and the last one XXXX and they are reporting XXXX.
Product: Debt collection

I have been contacted, interrogated and harrassed daily and numerous times a day and by a collection agency, SRA Associates located at XXXX XXXX XXXX, XXXX, NJ The phone numbers they are calling from is XXXX, XXXX, XXXX amongst others I can not retrieve The debt they claim I owe is for XXXX XXXX for a balance of mileage on a previous lease. I have never received a letter from this company however I do acknowledge the debt. I offered to pay {$50.00} per month and a man named XXXX refused to accept. He has repeatedly called my phone, my daughters ( who was a cosigner at the time ) and her husbands phone as well every day, several times per day. 
I am dealing with my sick husband at this time and can not deal with this harassment any further therefore would like to file a compliant. I have no problem trying to resolve this debt but will not tolerate the abuse and poor way I have been treated
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

Capital One took a {$630.00} unauthorized payment from me XX/XX/23. Autopay for that account was canceled in XXXX. They refuse to refund me and their actions have put me into financial distress.
Product: Bank account or service

I have been trying to get my IRA with Scottrade transferred to my local credit union for almost a month now. Scottrade continues to call & email, tells me that I and the CU are requesting distribution via incorrect forms ( which they 've emailed to me, ) that we ca n't have it sent to the account we are requesting, that we 've checked an incorrect box, etc., and it appears Scottrade is giving us erroneous info from what we can research online and the info from our CU ( a nonprofit. ) I submitted the 4th request ( at the very minimum ) for distribution today, just had a voicemail from Scottrade that they had more questions before it could be processed. I went online to Scottrade 's site and printed and completed the forms required for distribution last night - including a form that NONE of the many people with whom we have had interactions had bothered to send or tell me about. I am XXXX years old - past the age of concern about age for distribution, have an IRA at the CU that I should be able to easily transfer the Scottrade IRA to, have earned ALMOST NOTHING from Scottrade in years ( even tho they made big promises at the outset about how it would grow even tho a small amount, ) and I am VERY tired of this - want the check send to the CU XXXX my IRA. This is more than ridiculous and a nuisance. I have spent HOURS trying to get this IRA transferred to my local CU.
Product: Debt collection

Back in 2003 I, XXXX XXXX XXXX, was the victim of Identity Theft. I filed a police report. I learned that ASSET ACCEPTANCE , LLC bought a debt from XXXX, and placed a lien on property. 

I ask that you help me get the judgment lien released. Its XXXX XXXX XXXX number XXXX, judgement lien number XXXX. I read on the FTC 's site about a lawsuit invovling Asset Acceptance, but have not been able to get a meaningful response from Asset Acceptance.
Product: Student loan

Today on XX/XX/2018 Ive received a text saying my loan forgiveness is expired I was confused so I called the number in the text thinking its my loan lender. I was greeted and informed from a third party loan service debt reliving company that was supposely associated or named XXXX XXXX XXXX. They convinced me to sign ( e-sign ) documents stating they can relieve my debt for loans and forgive them after months of upcoming payments to them. I was spectical about the the information that was given after signing there documents and called fasfa and my loan lender Mohela. My loan lender then told me and a representative from fasfa that the company is stating false information and Im being taking advantage of, I was then suggested to change and update all my passwords for banking and fasfa due to me giving th

em my personal information already. Im contacting you'll because I am being scammed by this company that have all my personal information such as banking, and social security and Im very frightened about identity theft happening to me and loss of unauthorized money in my name . May you please help. Thank You,
Product: Student loan

I received two letters from XXXX XXXX XXXX. It states that the original creditor was XXXX XXXX, XXXX. and current creditor is XXXX XXXX XXXX. It states it was a student loan from when I attended XXXX XXXX XXXX and the amount of XXXX was given in XX/XX/XXXX another amount of XXXX was given XXXX of XXXX. Last payment received on XX/XX/XXXX. I called the company to dispute the validity of the accounts on the grounds that I signed no paperwork work when I attended XXXX XXXX XXXX in XXXX XXXX, Indiana to a XXXX XXXX, nor have I ever made a payment to them. When I attended XXXX XXXX, they forced me to get a loan from XXXX XXXX  in order to cover their temporary credit or I could no longer attend. The only bank that I know I signed for was XXXX XXXX. I never got any repayment letters and never knew anything about a XXXX XXXX. I inquired about the so called last payment that was supposedly made and was told that they did not have any further information about it.
Product: Credit card

I was charged {$100.00} for a fraudulent item. Ive tried to dispute it several times with Discover as well as worked it out with the original merchant. 

On a separate matter I was charged {$14.00} at a restaurant but didnt receiver the quality of food advertised. The merchant told me to dispute with my credit card because they couldnt refund me. 

On both occasions the terms in Discover said the consumer is not responsible for fraudulent transactions or for transactions that were not the qualify agreed upon. Discover is now trying to change these terms even though they are still listed on their website and have not been changed. Consumers have also not been notified of any changes. This isnt the first time something like this has happened. Its a frequent occurrence with Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I filed despites on 4 student loan accounts and XXXX, transunion, XXXX, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One Auto Fiance XXXX 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 a account without my written instructions. 

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

For the last month and a half I have been trying to get a replacement card sent to me. My card was compromised XXXX times. {$700.00} taken XX/XX/year>, {$1100.00} taken XX/XX/year>, and {$1100.00} taken XX/XX/year>. Government funds were fraudulently taken from my direct express card when the card was stolen. I am a XXXX XXXX  with a XXXX XXXX. I can not pay my rent, or buy groceries or pay my bills. I have been in compliance with direct express and have sent them all the documentation they requested. Please send a replacement card immediately to the correct mailing address overnight mail and provide me with tracking number. ALL benefits amounts owed to me added my direct express card immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reached out to this consumer reporting agency by via phone call. I informed the representative who I spoke to that this agency is in violation of the FCRA ( Fair Credit Reporting Act ) - pursuant to 15 USC 1681 ( b ) - number ( 2 ). Which states " subjection to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' Representative did not comply with my instructions. I informed the representative that I will be forwarding over supporting documents in writing by via USPS Certified Mail on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 It's been longer than 30 days and the company has not responded. 

The needed to respond within 30 days by law. 

They must remove it now.
Product: Debt collection

Per the FDCPA I requested verification of debt from NATIONAL CREDIT ADJUSTERS, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. NATIONAL CREDIT ADJUSTERS has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with complete accuracy. I have never been late on payments for the accounts that i have provided as an attachment inside this complaint XX/XX/2024 and XX/XX/2024. Today is XX/XX/XXXX and my payment is due on the XXXX of each month. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided to me I asked that these payments be updated to PAID AS AGREED and ON TIME a thy should be due to the fact that I was never late. Thank you for your help Please see the attachment provided
Product: Student loan

I graduated from the XXXX XXXX XXXX XXXX during XX/XX/XXXX. 

Since that day to now, I've never worked in the field of study I've paid for, though I still did all I could to keep up with payments. It was years before the school itself was declared a scam school by the Biden/Harris Administration on XX/XX/XXXX. With this recognition, I was able to have the XXXX student loan balance forgiven via a School Misconduct Application.

The loans I have were originally serviced by XXXX XXXX XXXX, but it has been since sold to XXXX XXXX. I have never defaulted on these loans, and made sure to pay as much as possible even when my finances were suffering. Even during the Pandemic between XXXX this service required regular payment. I've played as fair as I could, and would like the fraudulent nature of my education at the XXXX XXXX to be acknowledged and the loan forgiven.