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

I made a payment of {$3400.00} on XX/XX/XXXX. The payment was a balance transfer. The bank refuses to apply this payment to my account, the bank opened disputes with no notification. They charged me interest on the amount that should have been paid off. I was never notified there was a problem with the payment. Its been 3 months, they still refuse to fix my account and credit the payment from XXXX.
Product: Prepaid card

I purchased XXXX new tires from XXXX XX/XX/XXXX off of XXXX. There was a promotion where we would get an {$80.00} prepaid XXXX debit card as a result. 

We moved from XXXX to XXXX XX/XX/XXXX and had all of our mail forwarded. I called XXXX about the status of the debit card as we never received it. They had no idea where it was and ordered a new one from XXXX. We did n't get this new debit card until the XX/XX/XXXX. 

We went to use the debit card XX/XX/XXXX and realized that the funds had been removed as of XXXX XXXX, XXXX. I called up XXXX who tried to have the funds re-instituted but were not able to. 
They directed me to call XXXX. 

I ended up going through a few people and ended up with XXXX XXXX from XXXX on XXXX XXXX. I alerted her to this website ; that the funds on these prepaid debit cards do not expire so quickly. XXXX She said she would look into it but never called me back. I finally got through with her today and she alerted me that upper management reviewed the case and nothing could be done about an expired debit card which only expired because it was delayed in being delivered to us and had a ridiculously short expiration date ( 90-120 days from issuance ). I asked if she enjoyed someone reaching into her pocket and stealing {$80.00}. She only responded that this promotional card was NOT a debit card despite it saying DEBIT on the card and issued by XXXX. 

This tactic is deliberately done by these companies to XXXX consumers : put an extremely limited time to use the card and steal the money back with no recourse. I have never seen a promotional card which had to be used so suddenly or we would have to relinquish our funds.
Product: Debt collection

The judgement has been paid and satisfied in whole. On XX/XX/2019 In the amount of {$920.00} withdrawal from my bank by Midland Funding from my SSI XXXX income. 
Circuit Court City of XXXX, VA The judgement has been satisfied on XX/XX/2019 There is a balance of {$70.00} which I disagree with. There should be a XXXX balance according to the court Notice of Satisfaction
Product: Debt collection

HI ; SOURCE RECEIVABLES MNGMN /SPRINT ; ( Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX Transunion and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, Transunion and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Debt collection

Today I recieved a letter for Kent hollins for a account XXXX. For a XXXX account. Kent hollins has been informed that account has been shut down for a good amount of time. Kent hollins has also been repeatedly informed that my sole income is social security XXXX for an XXXX XXXX XXXX. Kent hollins tried to circumvent the fact they can not garnish from social security by trying to obtain an account XXXX that A. Has been closed for months. B. For funds they know they legally can not garnish. There also has been some payments made towards the account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, XXXX, has violated my rights. 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 an 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 then records of convictions of crimes which antedates the report by more then 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: Vehicle loan or lease

We had a loan transferred from XXXX XXXX to XXXX XXXX XXXX and serviced through CSC Logic Inc. We paid off the loan years but the lien was never released. Now CSC Logic Inc. is out of business so there is no one to contact to get the lien released so we can get the title. We've also contacted XXXX and not getting anywhere with them.
Product: Credit reporting or other personal consumer reports

I pulled my consumer reports around XXXX, XXXX  and notice it was errors on my XXXX reports. So I disputed the inaccurate information with XXXX. LCI is the company that furnished the inaccurate accounts to XXXX. I disputed the inaccurate accounts with LCI and they sent me a stall letter asking to see a valid driver 's license and copy of my bill. I sent that with my first dispute letter. You can see on the XXXX XXXX, the date is XXXX. I am not here to play games I am XXXX XXXX XXXX by the way. I will like for them to delete this bankruptcy and the rest of the inaccurate accounts. I have proof of my letter being sent to XXXX and the response I receive from them. Also I filed a complaint with the XXXX  and LCI didn't respond. LCI not responding to my complaint through the XXXX  proves this XXXX  and inaccurate accounts needs to be deleted from my consumer report. I will attach exhibit ( A-D ) from my complaint with the XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a phone call from an employee from XXXX XXXX XXXX, I was told I could obtain financial assistance if I did not have the funds to purchase a pet. I told this employee I did not want to have a hard pull to my credit report. This employee expressed to me this will not be a hard pull. They only do soft pull to see if I was pre-approved. I gave her my information for a soft pull. Then I was told I had to call XXXX XXXX to complete my application. I did not call XXXX XXXX or any other company to get approval. On XX/XX/XXXX. 2023 I received a letter from XXXX XXXX and a letter from XXXX XXXX XXXX  on XX/XX/2023, asking me to please call to finish processing my Petland application. I did not call anyone to complete this an application. I have done XXXX disputes with XXXX and was told that have documentations proving I gave XXXX the right to pull my credit. I have asked for these documents from XXXX and XXXX and I was told to get them from each other.
Product: Student loan

Outside of other issues with company lying called XXXX of XXXX told 10 day payoff was XXXX sent cashiers check XXXX XXXX for amount check had tracking arrived on the XXXX sat XXXX being told i am being charged interest. Extra amount XXXX and they did not bother cashing it. Was sent with 10 day limit was told loans dont accrue interest with forebearance as well by finaid rep. It is not my problem that you didnt cash my check. I am not paying interest on your negligence
Product: Debt collection

This is a follow-up to a previous complaint about this company. 

They have continued to call our business line looking for someone else. They have the wrong number. 

We filed a complaint with the CFPB in late XX/XX/2018. Transworld Systems ( TSI ) replied saying they removed our number from their systems on XX/XX/2018 and have no intent to communicate with us further. 

However, they clearly have not kept to their word. They continue to call us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I checked my credit report from a collection listed on my report from XXXX collections. I filed an dispute with Equifax the same day. On XX/XX/2022, I received a message from Equifax that my dispute was completed, but it didn't specify anything about the fraudulent charges. On my other credit reports it was resolved and removed. Equifax failed to investigate the situation and removed the fraudulent charges from this collection agencies, so I'm filing a class action suit against them and the collection agencies for fraud and constant harassment. This is screwing up my credit. I'm a victim of identity theft, and I had to go through XXXX with the XXXX to get my identity protected. I have no other choice but to file a lawsuit. This is getting ridiculous and out of hand. This collection keeps popping in and out on my credit report for XXXX years now, going on XXXX. It's not even permanent. It just appear off and on all over my credit report. But they don't see fraudulent charges there. I contacted the collection agencies and they even send me fraudulent papers to fill out, but yet they keep posting these charges on my credit account. I know it's against the law for these types of organizations to see personal information to creditors and this what's happening now. 

Company : XXXX XXXX XXXX keep reposting this every XXXX months and the amount keeps changing. The organization they are helping scamming people is the same organization that's been sued several time this year and last year, and previous years for fraud, identity theft by the Department of Education for scamming students, with multimillion dollar lawsuits. They still have thousands pending class action lawsuits against them today and I'm going to be added to filing a class action suit against them too. XXXX XXXX University is a scam college and uses people personal information to gain financial support from scamming students who graduated XXXX XXXX years ago, with made up debt that doesn't exist besides student loans. They should be sued and shut down across the country with all the lawsuits they loss and had to repay people and the department of education XXXX XXXX suits for lying and committing fraud. They were found guilty of all fraudulent activities and they are still at it. 
Amount : {$1900.00} XXXX XXXX : Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is listed under Hard Inquiries they pulled my credit 4 times started in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I did not authorize all these inquiries. 
Please remove from my report. 
Thank you.
Product: Credit reporting

I wanted to buy furniture from XXXX. I was told that, with a XXXX credit card, I would get {$40.00} off my order. I applied and got a form letter from XXXX Bank, saying credit was denied, based on information from Experian. After hours of phone calls, I was told that XXXX XXXX where I had a card, had submitted an incorrect SS number for me. ( I have n't used that card for several years. ) I disputed and got a communication from Experian to the effect that they completed the processing of the dispute. However, the Experian web site still reflects that I 'm " in dispute. '' I called XXXX, but they are unable to change it, of course. I think it 's wrong and unfair that I never had a chance to review the information submitted about me to make sure it is accurate. Also, now that it 's be resolved, why should it remain for so long as if it has n't been. My credit score, according to Experian itself, is XXXX, which that outfit itself calls " exceptional. '' I protest this sloppy, indifferent, and infuriating refusal to remove this " dispute '' thing immediately. Their cynical disregard for my credit standing, effort, time, and frustration, should be recognized. I should be embarrassed to pull the age card, but I will, anyway : I turned XXXX in XXXX and I believe this is actually affecting my well-being. Thank you. 
Note : I tried to attach the letter from XXXX, but was unable.
Product: Mortgage

I have a VA loan through Stonegate Mortgage XXXX XXXX XXXX, I prefer to make my payments on the XXXX and the XXXX, it simply prevents me from using any of the money that needs to go into my mortgage and is a convenience for me. Stonegate has been taking my payments from the XXXX, placing it in a holding account and NEVER applying it to my mortgage. Then, they reported me to credit reporting agencies AND charged me a late fee, when I was actually early and paid them more than my actual mortgage.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to dispute an account listed on my credit report that I believe is a result of identity theft. The account in question is a XXXX XXXX  credit card. 

This account was not opened by me and is fraudulent. I have attached a copy of my FTC Identity Theft Report for your reference. Please investigate this matter, remove the fraudulent account from my credit report, and take the necessary steps to prevent any further damage. 

Thank you for your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

WENT TO CARLOT THEY SAID THEY WOULD RUN MY CREDIT WITH ONE BANK AND THEY RAN IT ALOT OF TIMES. 

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 XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

hom it may concern I have these closed accounts with XXXX XXXX XXXX Closed on XX/XX/XXXX & XXXX XXXX XXXX Closed on XX/XX/XXXX. XXXX agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to XXXX, equifax and XXXX or any other credit reporting agency.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian is reporting this account with a late payment when it shouldnt be reporting late.
Product: Mortgage

I 'm trying to qualify for the HAMP program throughWells Fargo Mortage. They said I was declinedbecause my affordability % was XXXX and Ineeded to be at 31 %. My son offered topay the amount that would have broughtmy affordable factor down to the 31 %. 
The bank said that I was declined againwithout reason
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

To whomever this may concern I hope this letter finds you well. I am writing to request the update of my personal information in my credit report maintained by your agency, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 
I noticed that you guys have been furnishing inaccurate information on my behalf, starting with my name, address and social. I'd just like for you guys to update my information CORRECTLY. Under no circumstances do I wish for any addresses other than the ones listed to be reported to this agency.
Product: Credit reporting or other personal consumer reports

As a victim of XXXX XXXX  and identity fraud, I've written several letters to the credit bureau explaining my situation and have sent proper proof of my victimhood. 

The bureau continues to ignore my case without investigation. The information is false, inaccurate and needs to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected on XX/XX/XXXX. I received no email, letter, or phone call and instead had to discover it via social media on XX/XX/XXXX.
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my consumer report, I notice several inaccuracies. I am requesting for a full investigation of the account listed below to make sure this account is accurate. It is my right as a consumer to request such action under the FCRA. 

XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/2021, I found out about XXXX debit card transactions that were not authorized by me nor any of my family members or any other authorized person, and I immediately informed Bank of America about the transactions and opened a dispute claim since they were unauthorized transactions and I asked them to investigate it and refund my money However, on XX/XX/2021, Bank of America denied my request on XX/XX/2021 even though according to their {$0.00} liability policy, I wasnt responsible since I had no fault in this. I informed them about the robbery incident a week before that and that someone broke into my car and stole a few things and I sent them the report police department provided me with when I called them at the scene. I requested Bank of America to review it again, and they havent been responding to any of my attempts so I am requesting CFPB to pursue this matter on my behalf and reach out to Bank of America about my rights as a victim and that the charges be reversed, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. In addition, XXXX providing additional documentations and communications supporting my claim and confirming the dispute and that all the transactions associated with this claim were fraudulent and not authorized by me nor any other authorized person/family members associated with me.
Product: Money transfer, virtual currency, or money service

Problems with XXXXwells fargo and i keep getting notifications that my XXXX  is trying to get hacked
Product: Credit reporting or other personal consumer reports

Remove all ID THEFT FRAUD inquires AND accounts related to these accounts per FCRA : THEFT INQUIRES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, XXXX XXXX XXXXXXXX REPORT and validation attached. this is now escalated to courts for fines related to multiple violations