23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/2023 I purchased 6 cards at XXXX in XXXX, Mi. The cards were purchased with cash at self-checkout ( I have the receipt ). Something went wrong with loading one card so the cashier took that card off the transaction. I ended up paying 5 cards in one transaction and 1 card in another transaction. None of the cards work when I try to try activate them. When I call Netspend they tell me to take the cards to XXXX because they were never loaded. When I go to XXXX ( been twice now ) they say they have been loaded. I called XXXX customer service and they confirmed with each card that money is on them and to contact Netspend. XXXX confirmed with each card ( 4 having {$50.00} on them, and 2 having {$100.00} ) that the money was loaded and to call Netspend. Call Netspend and they send me back to XXXX. I am going in circles at this point and need help. Case number is with XXXX is XXXX. XXXX receipt number is XXXX XXXX XXXX XXXX. XXXX phone is XXXX. Cashier was XXXX. I do not have the second receipt for the purchase of the one additional card but it was purchased right after this transaction and it loaded on my XXXX rewards account that has proof of purchase.
Product: Debt collection

My friends and family members are regularly receiving calls from " XXXX '' stating they were contracted out by " location services '' to collect my debt on the behalf of a payday loan that has been satisfied for years. 

They tell my friends and family members that I have a pending case against me and will be going to jail. 

When I call the number they furnish, they say they make no outgoing calls but refuse to give me their full name/address/etc ... all they ask for is my credit card and checking info. then I am threatened with a lawsuit and hung up on. 

I need them to stop calling friends and family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, My name is XXXX XXXX , I am an American citizen living in XXXX. XXXX has been my home since I was XXXX years old and today I am XXXX years old. Last year I started a company called XXXX XXXX XXXX and plan on moving to New York sometime next year in order to grow the business. 
I ordered my free annual credit reports from all XXXX credit bureaus to make sure everything was ok and to my surprise there are almost XXXX closed accounts on my report. 
Someone has been opening accounts under my name, using them, dumping them on opening new accounts for the past XXXX  years. 
As I mentioned earlier, I am in XXXX so it is extremely difficult to get in touch with law enforcement in order to open a case and find the perpetrator of these illegal acts. 
As a proud American who wishes to come home within the next year, how do I get my reports corrected? I am at the stage where I need to start building business credit and in order to do so, I have to also build my personal credit however with all these negative accounts under my name, it seem highly unlikely. 
I could contact XXXX of my lawyers to go at this but instead, I'd rather we find a solution together as I believe these wrongs can be corrected. 
Can you please assist me in this matter? 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint and also bring to your serious attention regarding the inaccurate information displayed on my credit reports by XXXX, Equifax XXXX XXXX. 

The information reported by XXXX XXXX XXXX XXXX ( Account # XXXX ), which appears to be in flagrant violation of numerous consumer protection laws and federal regulations. Specifically, the following violations have come to light : 1. Violation of 15 US Code 1681a ( 2 ) ( B ) concerning charge-offs and repossessions.

2. Contravention of 15 US Code 1681c ( 2 ) by blocking information, potentially facilitating identity theft.

3. Breach of 15 US Code 1681e ( b ) by failing to ensure maximum accuracy in reporting.

4. Non-compliance with 15 US Code 1681a ( 2 ) in regard to definitions and rules of construction.

5. Breach of 15 US Code 1692c concerning communication related to debt collection.

6. Violation of 15 US Code 1692g regarding improper reporting of debt collections.

7. Disregard for 15 US Code 1601 which outlines Congressional findings and the declaration of purpose regarding consumer protection.

8. Failure to adhere to 15 US Code 1681a ( 2 ) ( A ) ( i ) pertaining to late payments.

9. Violation of 15 US Code 1681b ( a ) ( 1 ) ( 2 ) regarding permissible purposes for obtaining consumer credit reports. 

These violations not only constitute serious breaches of the law but also have significant adverse effects on me as a consumer. Furthermore, I must express my dismay at being instructed once again to contact your institution to dispute information that is clearly not mine, which amounts to yet another violation. 

It is imperative that immediate action is taken to rectify these errors and remove any and all harmful, unlawful, deceptive, illegal, and fraudulent information from my credit report. Failure to do so may result in further legal action, with jurisdiction in a venue convenient to me. 

I trust that you will address these matters with the urgency and seriousness they warrant, and I anticipate a prompt resolution to this troubling situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed of my car loan with Wells Fargo on XXXX XX/XX/2020. I have called Wells Fargo only to be hung up on XXXX time. After I talk to a phone agent. I her about have issues with Wells Fargo not reporting to credit bureau twice in the pass. I got a call today XX/XX/2020 and explained that I payed of this account and Im buying a new car. I ask if they would please report account pay. Well she told due to covic it will take some time. I explained this problem had been on going since I purchased the car. I need Wells wto report my account pay. ASAP!!
Product: Credit card or prepaid card

I would like the CFO from Barclays Credit Card dept to contact me. I contacted XXXX XXXX on XX/XX/XXXX between the hrs of XXXX-XXXX card ending with XXXX. Information XXXX XXXX XXXX SS # XXXX. DOB : XX/XX/XXXX. Spoke to 2 different females that same day. First female asked me mult. questions in regards to my needs and service. Told her that I and my family are getting ready for our Annual XXXX XXXX trip. Usually spend $ 7k- $ 10K on each trip. I was thinking of using this card as for the perks and service for the first time. So the first female asked mult. questions to verf, on me and then xfer to another female. The Second female person ask mult. questions again and same questions as well. So it was like the first female rept. did not give a warm xfer and just xfer me with no reason why I was calling. So already first call lack of service from a luxury card. Not saying that I already paid them {$500.00} annually fee from the get go. Also the card has never been activated and first card was used without my permission for under {$100.00} at some XXXX gas station. So already mult errors and not even using the card. 
So the reason for my complaint is that : So the Second female asked purpose for the cc increase : told her vacation she ran my credit report : score XXXX she ask me many questions and for each question she place me on hold for at least 5 mins. Question like why both personal loans : one was for outdoor kitchen and other was for new home design upgrades inside : As of today both loans paid off. took out $ XXXX and paid them off on 6 mths. need proof NP. I will them. So then she ask new XXXX XXXX XXXX cc why : told her my grandmother passed away in XX/XX/XXXX and XXXX honor me 40 % off the {$500.00} suit if i open a new acct. So I did. 

let me let you know CFO : i underwrite loans and let me let you know. 

i have over 100k in credit card that have with 10+ trade lines. 
i have 2 homes paid well $ XXXX in 16 yrs. 
i have credit since XX/XX/XXXX never late ; 24+ yrs. 
i have over 35+ trade-lines with comp credit and way more. 
my annual base is $ XXXX plus $ XXXX annually commission. 
my dti : is way under 10 % my unsecured debt ratio : 11 % low risk v high risk : please let me know. 
key factors : length of time of XXXX : since XX/XX/XXXX. 
since open new acct : too short : why does that matter? 
low balance : no cc has a balance all {$0.00} paid off. 
too many accts with balance show me. please.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of conviction of crimes which antedates the report more than seven years.

U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Complaint consumer finance is currently checking into to problems with Ally Auto Financial. Since reaching out to you with this problem, more issues have occurred. I paid {$800.00} on XX/XX/XXXX and my payment is still in pending process and wont be taken until XX/XX/XXXX. This in conflict with their practices in the past where my payment was taken out immediately. They took out another payment on XX/XX/XXXX, but not for the amount of {$800.00}, but for {$590.00}. They were billing {$320.00} every two months prior to your investigation even though I paid {$800.00} every month. 
Thank you for your services. 
Best regards XXXX XXXX
Product: Debt collection

I have received a bill from a company I do not recognize demanding payment for an outstanding debt. The company identfies themselves as " Systems and Services Technologies , Inc. located at XXXX XXXX XXXX, XXXX XXXX, MO XXXX tel. XXXX The correspondence claims a monthly payment of {$320.00} is owed toward a balance due of {$5300.00}. No identification of the source of this claimed debt obligation is offered in the correspondence. 

I am concerned that this company is attempting a scam.
Product: Credit reporting or other personal consumer reports

There are several errors, including the balance due, and date account was opened. Because of this, I have requested a proof of Debt on 3 separate occasions. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first and second time it was over the phone, and the 3rd time I called to ask where it was, and why I had not received it. I got up to the manager who said she was not sure why I had not received the proof of debt requested. She seemed very confused, and stated that she had requested it for me the last we spoke. She said she could request another, but because I had already been thru that twice before, I asked if there was any way that I could speak to the department responsible for sending them out. So, after XXXX on hold ( literally ) she comes back with an email. So I disconnect the call, and send them an email requesting, for the 3rd time, the proof of debt. They respond, saying that they had not sent it to me because in order to receive a proof of debt, I was required to MAIL them a copy of my drivers license, and only then would they send it. Now, keep in mind, this was not what they told me the 1st 2 times that I called. During those conversations, the employees ASSURED me that I would be receiving the documents requested within 14 business days. So, I really believe they are making it impossible for me to receive this proof of debt. I have an email where I asked them " Are you now stating that you will not be sending me a proof of debt if I do not mail you a paper copy of my drivers license? '' and they refused to answer the question. Again, I spoke to several people before this particular interaction, and they assured me that they would be sending me the proof of debt. Now, they're spinning me in circles so that I will just give up, and they wont have to send it. This account needs to be removed from my record because I have requested the proof of debt on several occasions, and they still have not sent it to me.
Product: Debt collection

In reviewing my credit I found that Diversified Consultants was claiming that I owe {$830.00}, On XX/XX/2020, I mail a letter to them informing them that I am disputing the information and I would like them to send me additional information this alleged debt. 

After month past, and I did not received a response from them and I sent them a second letter asking them to send me information on this account. 

I would like to resolve this matter and I have tried to reached out to them on several occasions asking them to verify the information, If they can send me information that this account is mine, I would had not mine to set-up a payment arrangement or a settlement. 

I have reach out to another Debt collectors on a other Item I had on my report and they send me the information that I requested. A couple days later they provided me with the information, I later called them and set-up a payment plan and the account is now resolve.

Since, this attorney/ Debt collector has not been able to send me proof that this is my debit, I have given them a couple of months. 

I am asking that you help me, I am asking that they removed the incorrect on all three credit bureaus. 


Sincerely yours, XXXX XXXX
Product: Credit card or prepaid card

I have a bluebird account with American Express. I am unable to use the card as intended as used in the past. When transferring amount to sub account is says pending and never transfers the money. Customer service will not help. They say to try later or call back later to no avail. The phone number automatically disconnects XXXX. On phone this moment with American Express. On hold for 20 minutes. No help. No answers. No further people to speak with. XXXX at American Express actually said XXXX is not part of American Express. American Express is listed twice on the front of the card and once again on the back
Product: Credit reporting, credit repair services, or other personal consumer reports

CapitalOne auto finance is showing a resolved account as a charge off. The vehicle was paid off with my gap coverage after an accident in 2019. This account is invalid. I have spoke with the company, and with the credit bureaus to have this item removed, but it keeps coming back as verified.
Product: Debt collection

I am getting calls for a previous tenant at my apartment regarding a debt collection. However, my phone number is from my previous address, and previous address before that, for more than 20 years. Whoever this person is that used to live here, she never knew my phone number, and she never could possibly have given it for any purpose to anyone. The collection agency has been hounding me for the better part of the last decade to pay for this girls debt. Obviously my own debts, which are now paid, have my telephone number as a mark for low life debt collectors who see dollar signs next to my name. These bottom feeders belong in prison.
Product: Mortgage

Carrington is making things difficult for me about an insurance check for the repairs on my house. The check is made to me first and then Carrington. XXXX is real rude toward me she disconnects the phone during business hours she is very unprofessional. They want to keep the money for themselves and do as they please with it. While I need to fix the repairs. They want to put the money and they decided when to give me the money. I was lied to by this one Carrington employee when this woman e-mailed me an information packet. I paid {$39.00} to overnight the check now they refuse to sign it and have mailed the check back. XXXX refuses to speak to me being a brat and very unprofessional.. Then she thinks she is going to sick a male on me. To bully me. She is handling this but refuses to speak with me. 

I am being abused and discriminated against because I am a single widow female who isn't married & they think that they can treat me like garbage.
Product: Mortgage

on XX/XX/2019 My Wife had her Hours Cut back and I had taken the car in for warranty and ended up paying almost XXXX in repairs this all caused me to miss my XXXX payment So in XXXX I contacted the lender Loan-Depot advised them of the difficulty and Made My Payment For XXXX this put me one month behind I was still due for XXXX in late XXXX a VA lender Contacted me by Phone XXXX was his name he Offered a VA Stream Line loan for XXXX 2.99 % Payment of XXXX XXXX this would lower my payment by XXXX a Month this was A scam and it cost me XXXX So called loan-depot and talk to the mitigation Depart That sent me a Loan Modification Application Witch Filled out & Fax it back to them I was told that it would be 30 days before I hear any thing on XXXX 2019 I was told that I was denied due to the fact that I did not have XXXX payments on the loan I was told to contact My VA rep Called her and She informed me all they needed to due was send a letter Asking for a Pre approval Letter and they need to refer to Va Handbook MA264 Chapter 6 it clearly stats that what they can do or not do this is they fail to Fallow the handbook I then called loan-Depot and informed them and was told to File an Appeal on the grounds that they need to get a Pre Approval letter and would be able to do the Loan Modification It was denied XX/XX/2019 XXXX is the VA Loan servicer and loan-Depot is the VA lender Both knew about the VA handbook MA26-4 I also have Contact Atty.and sent complaint to XXXX XXXX XXXXXXXX and it will be sent the under sec.of the VA for Investigation filed complaint with the OCC for cenlar, s Action as well
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a member of the XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX I was XXXX overseas. While serving my identity was compromised and numerous accounts have been opened in my name. As a result, I now have several items reflecting negatively on my Experian report. I have included the items below. My unit has sent the attached notice to Experian as well as the creditors involved, and further legal action is pending. Please have Experian immediately remove the items below as they are affecting me negatively economically.

XXXX XXXX XXXX  Amount : {$14000.00} XXXX XXXX   Amount : {$22000.00} XXXX XXXX XXXX  Card Amount {$360.00} XXXX XXXX XXXX Amount : {$900.00} XXXX XXXX XXXX Amount : {$1300.00} XXXX XXXX  Amount : {$3200.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Amount : {$2200.00} XXXX XXXX XXXX Amount {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my mortgage loan from XXXX XXXX XXXX in Illinois to XXXX  XXXX XXXX of Colorado ( I was told it was same company just different location ) I started the process in XXXX of XXXX. I paid my last mortgage payment to XXXX XXXX  XXXX  IL on XX/XX/XXXX. My loan closed on XX/XX/XXXX. XXXX IL reported a 30 day late on my credit file for the month of XX/XX/XXXX. I used the VA streamline process, I was told by VA that I could not have been 30 days late, I would not have qualified for VA streamline. Since then I have attempted several times by phone XX/XX/XXXX, XX/XX/XXXX certified letter XX/XX/XXXX to resolve the issue with XXXX IL, Ive asked them to remove incorrect info, I asked for " good adjustment '' They have not responded, nor have they removed incorrect info. I do not know what else to do. I would greatly appreciate your assistance in this matter. I feel my credit worthiness is being negatively effected, the 30 day late does not reflect my creditworthiness at all. I have never had a 30 day late on my credit report before this incident or after.
Product: Debt collection

Voice mail left for me today, XX/XX/XXXX @ XXXX XXXX  CST. Voice mail clearly threatens legal action via a civil claim for a debt. This company has called me multiple times and I explain each time : 1. Not my debt 2. If it were my debt, it is outside of judgement time period 3. It is illegal for them to continue to call me and threaten me. 

At XXXX XXXX  CST today, XX/XX/XXXX, I returned call and spoke with Ms. XXXX. She said debt was for a Citi card. I explained I did not have one. During call she said debt was from XX/XX/XXXX. She said she would refer it to their attorney and they would come after me and then hung up on me!

This is NOT my debt AND there is no signed contract by me for the debt.

Based on your own time tables, this debt is OUTSIDE of the statute of limitations for legal actions and judgement in the State of Iowa.

It is a violation of the FDCPA to threaten a consumer falsely.

Whatever contract this is is NOT valid, and it is NOT enforceable.

Try to take me to court ... I will counter and the only funds paid will be from you to me.

DO NOT CALL ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXXXXXX XXXX Veteran, and California resident, that has become extremely frustrated at not being able to obtain my ( 3 ) credit reports and FICO scores since XX/XX/2023. 

Attempts to call XXXX has taken endless hours of being transferred to a XXXX call center and as of today, XX/XX/2023 I still do not have access to my files. I have been transferred around the globe when speaking with XXXX and can not even speak with an executive in the USA. 

I am met with the same frustrations with XXXX and Experian and I am tired of the long call times, outsourcing of my credit files to other countries and not being able to review my credit reports and FICO scores. 

The runaround is clearly XXXX abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the XXXX XXXX XXXXXXXXXXXX XXXX  XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$14000.00}, {$11000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 



-PERSONAL LOAN- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 








Sincerely, XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.