23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Hi : I purchased a Vanilla gift card from a XXXX store. 
I spent a portion of the money. The balance of {$59.00} was stolen from my card. 
I contacted Vanilla Gift Card, and they gave me a ticket number and told me that they would investigate and let me know. 
After waiting for XXXX months and no answer from them, I contacted them again. 
I was told that the case was closed and I would not get my money back based on the evidence they had. 
I asked them to tell me what evidence they had found. They told me all you can do to send them an email. 
I know many people whose money was stolen from Vanilla Gift Cards. 
This company has a lack of security and they don't want to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kovo has a fraudulent account on my credit they refuse to remove it a credit repair company went out of business..the account was illegally open with out my authorization
Product: Debt collection

I took out a XXXX loan, we quality for 100 % forgiveness and I applied for that thru the XXXX XXXX but then our bank XXXX XXXX sold our account to Scratch, and they have sent notices of personal delivery at work in front of clients. We have already applied for forgiveness and it's not registering no matter what we do. Please help. We don't have the money as we kept on all our employees. I have submitted our taxes and everything required but they won't stop. XXXX won't help either
Product: Credit card or prepaid card

Thank you for your timely response, but its not a direct response to my cfpb complaint and the letters I mailed to you by certified mailing. Capital one has never extended credit to me. Pursuant to federal laws this was a consumer credit transaction. You, Capital one can not tell me I owe you anything without proof showing both sides of the accounting ledger where there was a loss of funds. Also you have to have delegation of authority from the Secretary of Treasury to collect any debts or alleged debts pursuant to 31 USC 3718. Pursuant to 15 USC 1692a ( 5 ) debt is an obligation or alleged obligation of a consumer to pay money arising out of a transaction. The alleged debt doesnt belong to me. The fact that you are making claims to me the natural person, consumer, original creditor that I owe you any debt is a violation of 15 USC 1692b ( 2 ) which makes you liable for {$1000.00} pursuant to 15 USC 1692k. I know I gave you the credit ; I originated the credit with my credit card, extending my credit for the open ended consumer credit plan ( which makes me the original creditor ). Credit card as defined in 15 usc 1602 means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, pursuant to 15 usc chapter 41 I am a federally protected consumer and you have violated my rights by reporting inaccurate information and information I didnt consent to, to the consumer reporting agencies. This is a violation of my rights to privacy and also a violation under the FCRA, which I am entitled to another {$1000.00} pursuant to 15 USC 1681n. You did not have permissible purpose ( my written permission ) to report to any third party on my behalf. By reporting inaccurate information to these consumer reporting agencies you have destroyed my reputation which is another violation of 15 USC 1692d ( 1 ) and another 1,000 pursuant to 15 USC 1692k. It has come to my attention recently that you have closed my account, violating my cease and desist. You closed an account you did not create. I wasnt notified of the closing of my account in any communication from you, nor in your cfpb response. I created this account through a. Consumer credit transaction by extending my credit. You dont have authority to close something you did not create, otherwise this is discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). My affidavit of truth still stands un rebutted under penalty of perjury as the truth! It is a fact that unless rebutted point for point all of my affidavits stand as uncontested. Please adhere to my demands in my cease and desist, bill of particulars, and affidavit of truth. I will not accept anything less than my consumer report updated showing no debt owed, nor late payments, monetary relief as shown in my bill of particulars for violating my rights and the emotional distress youve caused me, and re opening MY credit account. or further action will be taking to receive remedy for this matter. I already started the process through the mail and as known court starts in the mail.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX a credit card was opened under my name without my consent or knowledge. On XX/XX/XXXX I filed a police report and a FTC report stating that someone opened an account with the credit card company named XXXX under my name fraudulently. I first realized this amount was being charged because this person has charged that card {$13000.00} and this resulted in dropping my credit score XXXX points. I emailed the company explaining what happened because that was the only way I could reach out to them. They told me to contact the 3 credit bureaus and file a dispute so I did. They said they would get back to me in the first or second week of XX/XX/2023. XXXX said they confirmed the charges with that creditor and didnt accept my dispute. I am planning to mail the paperwork I was sent to these bureaus ( XXXX and transunion ). Whoever opened this account I am assuming got a hold of my XXXX account because I am not able to access my account the email under the account is theirs and when I try to contact XXXX I am never directed to an agent that can actually help me. They say they are going to reach out to me and never do. I am a victim of identity theft and it seems like no one from these companies are attempting to help me. I still have not heard back from the XXXX company.
Product: Mortgage

I have been trying to get this loan paid off for weeks through XXXX XXXX and now loan was sold to BSI who has no record of this loan. I am refinancing and running out of time. I need this loan paid off and lien on title released.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian due to their ongoing failure to properly investigate and remove multiple inaccurate negative items from my credit report. Despite disputing these items directly with Experian, they have not provided proper documentation or a valid method of verification as required under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. Instead, they continue to report unverifiable and inaccurate negative information, which has severely impacted my ability to secure financial assistance such as loans and credit. 

Experian has a well-documented history of violating consumer rights, as evidenced by lawsuits filed against them by the Consumer Financial Protection Bureau ( CFPB ) for their failure to conduct reasonable investigations and for knowingly providing false or misleading credit data. My disputes have been ignored, verified without proper evidence, or dismissed without explanation, which is a clear violation of federal law. 

These reporting failures have caused me significant financial harm, preventing me from accessing necessary financial resources. Given that Experian has repeatedly engaged in these deceptive practices and continues to evade accountability, I am requesting : 1. The immediate removal of all inaccurate and unverifiable negative items on my credit report.

2. A thorough investigation into Experians failure to comply with FCRA regulations.

3. Appropriate fines and penalties imposed on Experian for their continued misconduct.

4. Compensation for damages due to the financial hardship and stress caused by their unlawful actions. 

Experian must be held accountable for their pattern of noncompliance and their ongoing harm to consumers. I request immediate action from the CFPB to enforce consumer protection laws and ensure that Experian follows the legal requirements for credit reporting.
Product: Debt collection

Wells Fargo Bank said to repair a credit issue that resulted from health issues that I should create a credit card using my money to fix credit that went from XXXX to XXXX after loss of job due to health. They put my {$500.00} on a credit card from my personal checking account and created a company credit card. Once after several years I noticed that no credit repairs were made I stopped using the credit card. Later was charged {$39.00} twice on the card for late fees. They have never replaced my remainder of the money. The charges on the card were {$260.00} as of the XXXX statement. I did not see the XXXX late fee of {$39.00} because it seemed hidden on a back page. Now I receive rude calls that I owe them and when I have tried several times with many phone calls nobody has fixed this or given me my monies back. I feel I was lied to by the banker that wanted to sell me this card since it did nothing to repair credit. I later obtained a XXXX XXXX card and it has increased my credit score from XXXX to now XXXX. Why after paying this card with Wells could they not have told me the truth or helped me with the situation? I paid the card for many years and it never helped me in the least. Meanwhile I still get rude calls and a rude letter dated XXXX XXXX, 2020.
Product: Credit reporting or other personal consumer reports

I am writing to express my confusion regarding your credit bureau 's investigation of the fraudulent accounts on my credit report. I have submitted the required XXXX  report to the XXXX XXXX XXXX concerning these fraudulent accounts. Following this, XXXX and XXXX removed the accounts from their records. Additionally, the companies associated with these accounts have confirmed their removal. 
Despite my previous communications, these accounts have not been removed. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I was forced to pay a fee of {$2.00} just to upload my money from the XXXX  account to the branch account. It was a small amount that needed to be cashed out to the branch card the reason it was {$2.00} if it was more that needed to be cashed out the fee would have been more but from then on out I just kept the money on the branch card and just used it directly from that account.
Product: Vehicle loan or lease

MY AUTO PAYMENT HAVE BEEN PAST DUE, EVERY MONTH, FOR THE PAST 6 MONTHS. I 'VE EXPLAINED TO XXXX XXXX THIS WAS DUE TO A UNFORESEEN DIVORCE AFTER 29 YEARS OF MARRIAGE. I AM STRUGGLING TO GET MY FINANCES IN ORDER, HOWEVER WELLS FARGO HAS BEEN OF LITTLE ASSISTANCE. THEY REFUSE TO WAIVE LATE FEES, THEY KEEP EXPLAINING HOW USELESS THEIR COMPANY POLICY IS REGARDING HELPING CONSUMERS IN MY PARTICULAR SITUATION. THEY HAVE THE ABILITY TO MOVES PAYMENT TO THE END OF CONSUMERS CONTRACT, THEREBY ALLOWING US MORE TIME TO ADJUST TO CHANGING FINANCES. THEY DID OFFER TO MOVE ONE PAYMENT, AT A FEE, TO THE END OF THE CONTRACT, UNFORTUNATELY, I NEEDED THEM TO MOVE ONE, WHICH SEEMED TO ME A COMPLETELY REASONABLY REQUEST CONSIDERING THE CIRCUMSTANCES AND THE FACT THAT I MAINTAINED A NEAR PERFECT PAY HISTORY OF AT LEAST 16 MONTHS, PRIOR TO THE DIVORCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my initial complaint against Transunion the result was still still not verified they keep saying the account XXXX XXXX XXXX XXXX has been verified the company has failed to respond to me under the FDCPA and Transunion has failed under section 609 ( a ) ( 1 ) ( A ) so this has gone far enough class action lawsuit will begin on XX/XX/2019 if not resolved
Product: Credit reporting or other personal consumer reports

Experian Report # XXXX XX/XX/XXXX XXXX XXXX  shows on a hard Inquiries in which says Unspecified of the said purpose of the credit transaction in which XX/XX/XXXX has cause harm to my credit by Experian XXXX fraud Inquiries that I did not apply for. 

Experian needs to provide proof of the said Transaction who and reason showing UNSPECIFIED showing in the inquiries. 

Experian nothing but Fraud activity on Hard Inquiries that has been placed by Experian as there are other issues with items placed.
Product: Credit card

I have a couple different accounts under synchrony Bank I didn't realize immediately but later that each one of them were tied in as I registered them for online access. I have a CareCredit account for my wife 's XXXX  and I have a Sam 's card and I have a TJ Maxx Mastercard rewards card for my wife. She's trying to handle the business but they keep denying her as she is just an authorized user. But these things are also affected her credit. As of earlier this year they continue to decrease all my limits even though I'm paying on the car every month. I've had instances where I receive increases to my credit limits but never a decrease. And it seems to only be with synchrony Bank products. This is really hard in my credit because it continues to decrease my credit limit which decreases my usage my wife 's car has been maintaining a 30 % or less usage since earlier in the year in order to upper score and it has really affected her as well. She went from a {$500.00} credit limit on TJ Maxx to XXXX to XXXX and this is ridiculous. It's always happening in the middle of the closing of a statement where which we've paid a certain balance based on the current limit and all of a sudden it changes. They claim to have sent letters but we don't get any notification till I first done. Can you please have the original
Product: Vehicle loan or lease

This company has a fraudulent inquiry reporting on my credit file and I have called the company several times only to be left on hold or someone acts as if they will help me and then the phone mysteriously disconnects. All I want is a fair investigation as described in the Federal Fair Credit Reporting Act.
Product: Mortgage

On XX/XX/XXXX I contacted Homebridge Financ to find out why we had not received our escrow check to pay our XX/XX/XXXX taxes They said they would pay it themselves instead of us paying it They then said they did not receive a tax bill so i faxed to them XX/XX/XXXX i contacted them on XX/XX/XXXX cause taxes still not paid then again XX/XX/XXXX check still not mailed. they then said i signed a paper work stating i for them to pay the taxes for us NOT TRUE. When we were with XXXX our escrow check was always mailed to us by XX/XX/XXXX so that we could pay our taxes within the same year. Someone also indicated to me that as long as our taxes are paid by XX/XX/XXXX you will still be able to file your taxes by XXXX when the check finally arrived it was XX/XX/XXXX it was shown the check was cut on XX/XX/XXXX but the envelope post mark date was XX/XX/XXXX XXXX I was being told numerous of times that it was mailed but it was not we took it upon ourselves to pay our XX/XX/XXXX taxes before XX/XX/XXXX because the check still had not come. The village returned our personal check after receiving the check from HOMEBRIDGE. I am also being told that the surplus from my escrow will not be returned to me because HOMEBRIDGE until XX/XX/XXXX because they are waiting to ensure my property insurance is fully paid up. Every year I pay my property insurance my property insurance is part of my mortgage payment. why are you holding my surplus to draw interest? We want to know how this can be corrected for XX/XX/XXXX and future years we want our escrow check mailed directly to us at our home address post marked no later than XX/XX/XXXX
Product: Prepaid card

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX, CA XXXX I purchased a Vanilla debit visa gift card and loaded {$190.00} onto the card. I paid a {$5.00} activation fee to do so. The total for the transaction was {$200.00} Later, upon opening the package ( which I had inspected closely before purchasing and had no obvious signs of tampering ) I inspected the card itself only to find that of the XXXX digits that should have been there, XXXX had been visibly and quite intentionally scrapped off. In addition to this, the magnetic strip had been scrapped from top to bottom.

When I called the customer service number and went through InComm Financial Services ' automated customer support menu I indicated by pressing appropriate numbers that I had a problem with my card and that it had been damaged. The automated voice replied something to the effect of " For this problem you must go to balance.vanillagift.com ''. The problem was when you go to that URL, it prompts you for the XXXX digits of your card -- which, if you don't have, you're out of luck. 

I finally ( through trying a different combination of inputs with the automated system ) was able to talk with someone named " XXXX '' who I could barely hear because his microphone was making awful ( and loud ) scratching noises. After XXXX minutes on the phone, I was finally able to give him my info. He said I would receive an email -- I haven't yet... 
The whole situation seems designed to make you give up. I think InComm Financial Services is intentionally ( through an inside job or otherwise ) cheating their customers out of funds which they know are often given as gifts and very rarely would anyone have the ability, the receipt, the know-how, or the patience to go through the steps to get their money back. It's the perfect crime, because the vast majority of victims will just give up -- thinking they have no recourse.

InComm Financial Services ought to be ashamed of themselves.
Product: Debt collection

On Monday, XX/XX/2018 XXXX XXXX XXXX contacted me 4 times in reference to a debt that I owe to XXXX XXXX  XXXX. The first time that they had called me, I did not say " hello. '' The representative called my name, but I didn't respond. From there the representative called me a second time and left a voicemail message. The representative, by the name of XXXX, called me back twice more after that, which I have proof on my cell phone. Actually, I had to block his phone number due to his continuous calls. 

On Tuesday, XX/XX/XXXX, I called XXXX back. XXXX proceeded to explain that XXXX XXXX XXXX XXXX had placed a lien on my house for a {$17000.00} loan for an HVAC/central air conditioner, which I never received notice about. From there, XXXX aggressively stated my place of employment. He told me that according to the contract that I had signed that if I had defaulted on my loan and XXXX had a right to place a lien on my house to collect the {$17000.00}. I told XXXX that I did not have the {$17000.00}. He asked what amount I could pay. I told him that I didn't know, since he is the debt collector he should be able to give me an amount. I also said if a lien was placed on my home, then, why should I have to pay the loan back? From there, XXXX placed me on hold. The call was disconnected, but I had called XXXX back. XXXX told me that I had to pay {$4000.00}, which is 25 % of the loan. I told him that I didn't have that amount. XXXX asked what could I pay. I told him I didn't know. I told XXXX that I never received anything in writing or a letter from his company about this debt. XXXX also became agitated because I had asked him to explain what a lien is. XXXX became annoyed with me and began screaming at me over the phone. I told him that he was being unprofessional and he hung up the phone on me. I called XXXX back and he continued to yell at me. I called him unprofessional and an XXXX. I stated that if the call is being recorded then why is he being so unprofessional. Then, XXXX mentioned how my spouse 's name is on the contract and he would verify his employment the same way that he verified mine. XXXX stated that he would enforce that the {$17000.00} be paid by any means necessary. Then, he hung up the phone on me. 

Afterwards, I called XXXX XXXX and explained what happened to me. I spoke with a supervisor by the name of XXXX. I had explained that I had to pay an IRS debt, which is why I fell behind in payments. XXXX stated that my loan was charged off and her company couldn't really help me. She said I had to deal with the debt collector. I told her I could probably pay in XXXX, but I didn't want to deal with XXXX XXXX XXXX. I explained to XXXX that I didn't trust giving the debt collection agency any payments because the representative was so unprofessional. XXXX stated that she would reach out to XXXX  XXXX  XXXX to see if I can deal with another representative. 

I need help with this situation. The representative yelled at me, hung up the phone on me twice, attempted to intimidate me by mentioning my job and contacting my husband and harassed me by calling me 4 times in one day.
Product: Credit card or prepaid card

On XX/XX/2020, I noticed that my bank card from 1st Bank of Colorado was missing from my vehicle in my driveway ( along with two other cards and my license ). At this time, I reported the card stolen to the bank and they sent me a new card. At this time, I noticed two charges pending on my account to XXXX XXXX ( {$29.00} ) and XXXX XXXX ( {$17.00} ) that I did NOT authorize. I have been told previously I could not contest pending charges so I had to wait until they were actually finalized before I could attempt to make a claim. Starting on Monday XX/XX/XXXX, I made attempts to call the bank. Hold times were longer because of the COVID 19 situation. After multiple attempts being on hold and disconnected I went to the website and requested calls from the bank. I did this daily for three or four days until I finally got through on the phone speak to someone about my contested charges. After a couple of weeks, I reached out to the bank via email to ask about the status of the claim and I was told it was denied and to call a specific number for details. The number isn't even an active phone number! I have two other cards that were stolen at the same time and attempted to be used at other establishments. I didn't report them to the police because the banks all claim to have protections for fraudulent charges. I never left my home on the day these charges were made, I have never set foot in the liquor store and have not bought pizza from any XXXX  in months if not years. 

Also, when I checked on the status of this order, I reported a third false charge for {$29.00} made a week earlier on my account and the bank is ignoring any communication about this charge even though I have emails from the company involved saying they have no orders from me. I am attaching the emails for this claim below.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 a check was cashed against my account from a mobile deposit. The check is not mine nor do I have anything to do with it. The other person who was supposed to be removed from the account was the one who attempted to cash a {$5000.00} check using a bogus name and fake signature. She was paid {$600.00} of that the check was returned and the bank is trying to hold me responsible. I sent backs a removal form to remove her, because she unfortunately makes bad choices and had bounced a large check against her old XXXX XXXX XXXX account. After discussing my concerns in depth before this happen access should have been blocked. This situation is a threat to my good name and credit and USAA is not disputing this transaction that was done against me. I repeatedly asked for USAA policy regarding scams or fraud and I could not get a straight answer. I am in disbelief that a bank would allow this type of illegal behavior.
Product: Credit reporting or other personal consumer reports

I was not late in XX/XX/ 2024 on the above account. The creditor mistakenly charged me a fee, did not tell me about the fee and then reported me as late for not paying the fee within 30 days of assessing the fee. I spoke with the creditor about the fee, and they agree there is nothing justifying the assessment of the fee. The creditor instructed me to dispute the fee with the credit reporting agencies.