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

I purchased a prepaid net spend debit card from XXXX XXXX, in the amount of {$45.00} I followed the instructions in order to activate my card. Unfortunately, the card wouldn't allow me to activate, not allow me to have access in usage of the card I spoke with net spend about the issue that was encountering After speaking with more than five representatives, that appeared to be quite incompetent in assisting me I was informed that the card was not only restricted I would be issued out a check for {$39.00} within ten business days It's been over two weeks since this problem has occurred Net spend, or XXXX  XXXX has not refunded my money Kindly rectify this matter please Cell ( XXXX ) XXXX Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 6th dispute letters to Equifax XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$2.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$1000.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days XXXX Closed Payment history guide 120 days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX my property, located at XXXX, XXXX, SC was reassessed by the XXXX, South Carolina Tax Assessor 's Office. 
On XX/XX/XXXX a CORRECTED copy of the tax notice was sent to Freedom Mortgage, the mortgage company that services my home mortgage. 
On XX/XX/XXXX, Freedom Mortgage paid {$1200.00} from my escrow account for the property taxes owed on my home. The amount paid was the amount of the ORIGINAL tax bill, and not the CORRECTED tax bill which was sent to them on XX/XX/XXXX. 
The XXXX Tax Collector held on to the payment of {$1200.00} until the middle of XX/XX/XXXX at which time they returned it to Freedom Mortgage. It was returned because it was not the correct amount that was due. The amount due was {$1300.00} because of the reassessment of my property on XX/XX/XXXX. 
On XX/XX/XXXX I went to the Tax Collector 's Office and was informed that the amount due was {$1500.00}. There were late fees that have now been added on to the account. 
I had been in telephone contact with Customer Service Representatives of Freedom Mortgage on XX/XX/XXXX and was told to outline the problem in writing and FAX a letter to the tax department so that it could be researched. 
I wrote a letter on XX/XX/XXXX and FAXed it to the Tax Department at Freedom Mortgage. I called the Tax Collector 's Office on XX/XX/XXXX and they have not received the payment. I telephoned Freedom Mortgage on XX/XX/XXXX and was told a disbursement of {$130000.00} from my escrow account was made on XX/XX/XXXX. The Customer Service Representative stated it should be resolved by XX/XX/XXXX. The account will be DELINQUENT if not paid by tomorrow, XX/XX/XXXX and the amount owed to the Tax Collector of XXXX, South Carolina is going to increase to an amount higher than the current {$1500.00} that is now due. 
I am attaching a copy of the letter I FAXed to the Tax Deparment and the documents I received from the Tax Collector of XXXX, SC on XX/XX/XXXX. It should not take six weeks to research a simple tax payment issue. The letter that I sent to Freedom Mortgage has a date of XX/XX/XXXX, but the year was incorrectly typed as it was typed and sent in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax, XXXX, and XXXX and I never disputed anything. Instead Equifax disputes my accounts without my permission. All my info was in the breach and I am demanding everything to be removed. I never gave permission for a 3rd party to report anything to my consumer report. Equifax lies about investigating and never show proof of investigations. Equifax is reporting the wrong personal information which I advised them many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute to Equifax stating that a hard inquiry by XXXX XXXX XXXX dated XX/XX/2018 on my Equifax was NOT approved by me. 

On XX/XX/XXXX Equifax replied with confirmation Number XXXX statingthey had investigated the dispute and did NOT remove the hard inquiry form XXXX XXXX XXXX. They provided me with the following invalid address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wrote a letter to XXXX XXXX XXXX using that address and my letter was returned by post office as NOT deliverable.
Product: Debt collection

I have come to my last resort as I do not know what else to do. My ID was compromised a few years ago and I have tried numerous times to get USAA to remove the mark from my file regarding a JOINT CREDIT CARD account under my name that is housed in their collections department. I have repeatedly sent letters and or reports to the agency and to a collections department to a " XXXX '' who would not give me the last name. 

I have never signed up for a joint credit card with usaa and i know that my information has been used against me. I have had a stellar relationship with usaa bank and would really hope to continue this relationship as i have several accounts with the same company. However, I am asking that USAA will remove this account and remove any flags that are on my account as a result of an uncollected debt on the account XXXX. 

USAA intially removed this account from my file, but never notified me per the FCRA that this account would be reinserted at all and as to why. 

I never agreed to be a joint signer on this account. I didn't even know that it is possible to do so. My ID and pertaining info was compromised a long time ago and I am asking USAA to look at my documents and my stellar account history and remove this debt as this is not mine and was used by someone else against my will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters amongst letters were sent out to this company for reporting this to my credit report unknowingly and unwillingly to my knowledge, while also being inaccurate. To my common knowledge I haven't heard anything back from them making me feel as if they are completely disregarding my request. This is bringing upon stress into my life while also financially holding me back. In section 611 ( a ) it states failure to investigate these items within 30 days causes for immediate deletion. It has been well over 60 days and I have received no response. I want these files to be deleted immediately or i will file for litigation.
Product: Credit card or prepaid card

Who in is XXXX XXXX? 
They took {$170.00} From me, CHIME won't even investigate. CLAIM number XXXX Enough said. Investigated in 5 hours case closed no reason, first time ever making a claim. No PROVISIONAL. No time to even make it to the police station to file a report. You're not secure or professional to hold my family 's wealth in your hands. No way of talking to the claims department .. LOOKS LIKE THE DEPARTMENT IS IN ON THE SCAMS YOU ASK ME. THIS REALLY REALLY HURT MY FAMILIES WELL BEING YOU SHOULD NOT BE TRUSTED WITH ANYONES MONEY. I WILL PASS THIS ONTO EVERYONE
Product: Debt collection

In XX/XX/2018 a lease was open With XXXX XXXX Apartments XXXX XXXX XXXX, Tx XXXX on unit # XXXX were they promised half off the first month of rent. XXXX XXXX would late not honor that deal forcing me to Pay a full month and late fees '. Through out my Experience at XXXX XXXX Apartments I was charged a number of fees that were never able to explain. Finally in XXXX due to multiple issues with the leasing office and poor upkeep of the property including roach infestation. The leasing office had agreed that I would turn in the keys and they provide me would final amount due once they looked off the apartments. I sent a bill over 11,000 and the full remained of the lease. Witch both me and the current leasing agent agreed was not correct. I was told to wait for a readjustment since the were able to lease out my old apartment. I would only have to pay for the time it took to fill the vacant plus cleaning fees if needed my deposit was 700 $ so was not suppose to owe anything over 1000 $ if they leased it out next month which they did. The bill was never corrected and worse it was forward to a Collection company RS Clark & Associates I could not afford the 11 thousand dollars they wrongfully claim I Own. I have tried to get this Corrected over the years but the XXXX XXXX apartment and the XXXX XXXX RS CLARK & Associates kept passing the buck them for who can correct this For me so I can finally rent my own place.
Product: Debt collection

After being denied an auto loan, I checked my credit, I noticed there was a collection account from Enhanced Recovery Solutions ( ERC ). I contacted ERC and was informed that a letter was sent to me in   XXXX   XXXX  . They place this debt on my credit report on XX/XX/XXXX . They acknowledged that the first initial letter from them was sent to me MONTHS after it was placed on my credit report.
The requirement is that once a debt collector has initiated collection on a debt, they are required to send a formal collection ( " dunning '' ) notice within 5 days thereafter.
Reporting to a CRA is an act that triggers requirement for timely dunning notice.
If the failed to comply, then they are in violation of their debt collection practices obligations under FDCPA 809 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and needs to be removed asap someone was using my information. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX
Product: Mortgage

Mortgage ComplaintXXXX2015XXXX XXXX, NY XXXXEnclosed are the pictures of the XXXX when or where it was XXXX when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXXXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$XXXX} and the non-co-borrower contribution is {$XXXX}. The total monthly income is $ XXXXXXXXCombine the rental income with what I received every month is : {$XXXX} + {$XXXX} ___________The total monthly income is : $ XXXXXXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

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

To Whom It May Concern : I recently received a copy of my credit report and I noticed you're furnishing an account on my consumer report that should not be on there. I demand the below account be deleted from my consumer report. 

Account # - XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received just recently in teh last XXXX  month emails from experian credit bureau and it was stating that I did not have a credit score ... which is wrong I have perfect credit paid off student loans paid off an automobile and im paying off a home current as of today. they will not post my good scores of over XXXX becasue they are trying to make me buy their credit monitoring product, prior to XXXX  months ago all my loans were there showing paid and excellent credit on the auto loan with XXXX XXXX and excellent credit on my loan with the department of Education paid in full both auto loan and student loans also my home loan was on their reports with experian, XXXX and XXXX all showing excellent credit over XXXX and also showing excellent payment history on my home with XXXX. Now they have removed everything and are telling me that I do not have any credit scores or a FICO score which use to be in teh XXXX range and they are telling me that teh only way to find it out is to buy their products. I do not want o buy their products and this is against the law. They can not erase my excellent credit history or stop showing the excellent payment history on my home of XXXX years never misssing or being late on a payment. I want them prosecuted to the fullest extent of the law and for them to have to fix everything on my credit history. I am extremely upset and will do what ever is needed to fine them and get them subjected to penalties.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date ; XX/XX/XXXX XXXX I recently pulled my credit report for my annual credit report.com and notice a few disturbing items wrong on my credit report I noticed that the names numbers and addresses were incorrect since then I filed the FTC complaint to rectify this problem. These addresses and names are not mine. Iam asking for the CFPB to assist me In this issue I sent Equifax XXXX, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This is my only name and my only address
Product: Credit card or prepaid card

this bank is ridiculous after their account protection has approved my application for credit with a store called XXXX card i called them because i have a fraud alert on my credit they asked me a few security queations then said congratulations you have been approved for XXXX and should receive your card in the mail i get the card in the mail welcome kit they sent me and i cant use the card im sick and tired of this banks practices i feel discrimainted this is not the first time they have done this to me its multiple times and they usually end up closing my accounts always after sending them documents lying and saying they cant verify my identity this is not nice or fair after approving me that they wont let me use my card why do they hate me so much i sent them the docuemnts now i hope they dont close my account without my knowledge this bank is horible with processing documents i sent them i hate them
Product: Money transfer, virtual currency, or money service

PayPal lie about 30 day release payment. i had XXXX account had had been forever limited and it still had payment in side. it doesn't let me take it out. XXXX is XXXX and other is XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I received a copy of my credit report and noticed the company gateway one lending is not updating the balance on my credit report the company is not reporting my payments the balance on the account is still showing high and I have been making my payment please look into this company I think they are not reporting that my balance is decreasing so that other car lender won't finance me I dont think its right I have been making my payments and they are not reporting them to the credit bureaus
Product: Payday loan, title loan, or personal loan

My husband passed away suddenly so I got behind on bills I got a loan from pnc bank to pay debt off more bills started piling in so I had to get help through a debt relief company I have spoke with a lady at PNC bank and told my problem and explained I was getting help my debt company has sent the bank 3 faxes stated they are in charge now and PNC takes the payment from them but keeps charging late fees on top on the amount they won't answer or give information to the debt company I'm using and I have gave the permission for them to
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On Tuesday XXXX XXXX {$18000.00} was electronically withdrawn from my business checking account, such was completely unauthorized and to a company whom I have no officiating with. It was n't until late night the XXXX XXXX, when I ram dimly logged into my account that I was aware of this. There was no fraud detection alert, and I was no notified of any unusual activity. When I called to report this I was helped and given a phone number to contact fraud detection so I could ask why I was not notified. I called this morning and was transferred from person to person for 2 hours, one transfer brought me back to the main menu of the call center, which means all of my transferring meant nothing, that was about an hour in. I finally got to talk to an apethetic banker. I asked why I was n't notified of unusual activity and his answer was " something 's are n't detected '' which totally negates any perpose for having fraud detection. I then tried to explain that I will be out of town before to 10 business days, in which they will investigate, are up and would be out of service. My concern is that if I had to answer any questions that I would be unavailable.he then out in a request to have my case be expedited, but I really do n't know if that has any validity. I am worried, frustrated, and feel unsafe working with Wells Fargo. Being a small business owner I have XXXX other things do to and worry about.
Product: Credit reporting or other personal consumer reports

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Prepaid card

To whom it may concern On XX/XX/XXXX i purchased a {$300.00} AMEX gift card from XXXX. Ending in XXXX. After calling to activate the card and check my balance. I attempted to use the gift card online that night to purchase a last minute XXXX gift. Tickets to a XXXX XXXX via the XXXX XXXX app. After repeated error messages. I gave up trying to use the Amex Gift online and attempted to use the Amex Gift Card at the gas station. After multiple attempts I was getting declined each time. Afterwards I check my balance. I have a available balance of {$290.00} with a XXXX XXXXt pending charge from XXXX. Which is still pending as of XX/XX/XXXX XXXXXXXX XXXX Est I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards. All they tell me is to try another merchant. ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund or send me a replacement card. Because they said I would have the same issue. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service. 

I have been unable to use this card for over a week. My money is inaccessible. All I want is the total balance on my card in cash/check or my funds accessible on a gift card. This whole process is extremely frustrating. 

Thank you for your help-