23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/2023 I purchased a American express gift card from my local XXXX XXXX. Everything was smooth as far as loading the card and purchasing it I didn't start having issues until I actually tried to use the gift card and it declined. The card was initially activated and loaded with about {$400.00}, the card itself just will not work I don't know if it's something I missed but American express customer service XXXX  were so horrible and I'm not even the XXXX  person XXXX have this problem this is a common problem with American express gift cards because while I was trying to find other solutions to actually use the money I seen over XXXX reviews all saying and having the same issues as me. I have all receipts that shows I paid and loaded the gift card. I even have the case number they gave me if needed ive waited the whole entire XXXX  days as well that a rep from American express named XXXX said was required to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed in accurate information on my credit report, and XXXX, Transunion or XXXX has failed to properly communicate or respond back to my disputes.
Product: Debt or credit management

downloaded the app for " XXXX XXXX '' was looking over for information a few days after, charged. 
Reviewed the app, and was charged for a years worth of their service. 
I have called and disputed with my bank. 
Have not been able to get a hold of any customer service with the website for " XXXX XXXX '' Both chat that says XXXX customer support. which is not true. 
and phone line continues to disconnect after stating they " are busy with other customers '' I searched the name online and have seen other victims go through the same issue. 
This site should be reported!
Product: Credit card or prepaid card

Please take into consideration my delayed payments during the pandemic period. I was unable to pay on time as I was without work during that time. I earnestly request your understanding and request to settle this matter.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Review of Case Involving Capital One Quick Silver Credit Card Dear CFPB Team, I am writing to request that you review the case I previously filed regarding my Capital One Quick Silver Credit Card account. I recently spoke with a representative at the CFPB to clarify several issues with this account. These issues remain unresolved and have caused significant harm to my credit and financial stability. 

In XXXX, I paid {$320.00} on a {$300.00} balance for my credit card. Despite this payment, Capital One initially claimed there were returned transactions. However, after insisting they look deeper into the account, the company confirmed that the balance had been paid in full. 

After paying off the balance, I contacted Capital One to remind them that I am an XXXX XXXX XXXX. The company stated they would review my account to determine if I was entitled to any reimbursement for interest or late payment fees under the XXXX XXXX XXXX XXXX ( XXXX ). Instead of resolving the matter fairly, I was charged {$7.00} in interest fees beginning in XXXX. These fees have since compounded, resulting in a current balance of {$68.00}. 

As of XX/XX/XXXX, Capital One is charging off the account. This situation reflects unfair credit reporting practices, especially toward an XXXX XXXX servicemember striving to maintain financial stability and build credit responsibly. 

I respectfully request the CFPB to intervene and thoroughly review this case to ensure Capital Ones practices are in compliance with applicable laws, including the XXXX. Additionally, I would appreciate guidance on resolving this matter fairly and preventing further harm to my credit report. 

Thank you for your attention to this matter. Please feel free to contact me at [ your phone number ] or [ your email address ] if additional information or documentation is required. 

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

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Financial Protection Bureau is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Ive respectfully submitted a complaint # XXXX with The Consumer Financial Protection Bureau with the intention that CFPB is an independent federal agency built to protect consumers, write and enforce rules that keep banks and other financial companies operating fairly and also educate and empower consumers, helping them make more informed choices to achieve their financial goals. I believed in those goal and respectfully submitted my complain via your website complaint number XXXX in regards to what I believed was a direct violation of my Fair Credit Reporting Act 15 U.S.C 1681g ( I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their files at the time of my request concerning accounts that is reporting in my credit report. ) Ive submitted my complaint on XX/XX/XXXX and received a companys response on XX/XX/XXXX with response type Closed with explanation. However, the response I received back from Experian did not fully address my issues or demands. Experian did not acknowledge the additional information Ive provided and the most current 3 disputes Ive submitted in the months of XXXX and XXXX in which I uploaded via your website proof of additional information which I provided to you ( Certified mail cards, debt validation letters I sent to the companies certified mail or my 3 previous dispute requests. I upload a total of 9 items and receive a Company response which ignored all relevant information coming from me the consumer.
Product: Mortgage

Rocket Mortgage failed to pay our homeowners insurance that was due XX/XX/XXXX. Which in turn caused our insurance company to cancel our homeowners insurance. We have been without home insurance for the last week. We didnt realize this until Rocket Mortgage sent us a threatening letter stating we had no insurance and they were going to get a policy for us at a much higher rate. After calling them today XX/XX/year> they tried to blame us even though they hold our mortgage and escrow accounts. XXXX reinstated our insurance for just today and demanded we pay XXXX out of our own pockets today to avoid them cancelling our insurance again for tomorrow due to Rocket Mortgage not paying our homeowners insurance policy from our own escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have OLD accounts that has been closed for more than 7 years on all 3 of my credit reports XXXX, TransUnion and XXXX. There are still accounts open that suppose to be closed. I have reached out to all 3 credit reporting agencies filing disputes. I dont understand why after 7 years these accounts are still on my reports. I dont understand why accounts the closed isnt closed! According to the Fair Credit Reporting Act, old accounts that are more than 7years should be removed from a consumer credit report. I have closed accounts on my credit reposts that is 7-11years old, why??
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion as they said that an account that I allegedly had with XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXXwas been reported accurately on my credit report. I then exercised my rights under the Fair Credit Reporting Act and requested of them there method of verification. They got that request on XX/XX/2021. The law states that the credit bureau should provide a copy of there method of verification within 15days of the request been made. If the company fails to abide by these guidelines then its a FCRA violation and the credit bureau should delete the disputed account from the credit profile immediately. Today is XX/XX/2021 and the credit bureau has not sent me there method of verification. 
Under the Fair Credit Reporting Act if an item is unverifiable or if the credit bureau is unable to provide the method of verification then the item should be deleted from the credit report as there is no way to prove if the credit bureau did any investigation in the matter. This credit bureau has failed to abide by the law and obey the dictates of the Fair Credit reporting Act as they have refused to provide ''There method Of Verification '' or delete XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX from my credit report. I am submitting receipts from the post office showing that Transunion got my request but failed to act on it
Product: Debt collection

They call me all the time every day and Threatening, if I does not give my name and address the will damage my credit bureau. I answered, I do not have to give private information to anyone by phone and they insist. This action is repeated multiple times a day. The Agency name is Southwest credit system.. Phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

On XXXX XXXX XXXX, I went to drivetime.com and applied for financing, which they said I was approved for. When I went in the dealership, the manager told me that I was n't qualified for what the website said I was and if I wanted that vehicle I would have to put almost XXXX down. So they had me try their no hassle lease program. I put down close to XXXX for this program and they gave me a XXXX ford fusion. At first glance the car was great, after test driving it you car hear something was wrong with the tires. When I brought it to the salesman attention he said the previous owner drove it hard. I asked for a car fax and he printed some report that showed the car had been in a XXXX accident but he insured that all repairs and inspection had been done. I took possession of the car with what I thought was a safe vehicle. Almost two weeks later the car stopped running. I had to have the car towed because the warranty did n't cover it. Got to the mechanics and they had to keep the car for 5 days, they said the car needed new wheel barrings, tire rods and an alternator. After that was fixed the car bike down again and had o slow drive it to an approved mechanic that held it for three days and it was the ac unit. Because this was after 30 days they tried to make me pay for this. All these problems should have been found in their inspection of the car before selling it. I had to end up returning the car and putting XXXX down on another vehicle at another dealership.
Product: Debt collection

Turned prior lease vehicle XX/XX/XXXX was told I would be told about any damage charge within a month never received an update to the app as I have anouther lease with them and checked monthly - paid flawlessly on that auto and current auto - come to find out there was a damage charge only received 1 letter months summer XXXX mid pandemic telling me it was sent to collections and then I went to look at app and it said it was a past due status! I have never been past due on auto I can pay amount in full but I want a correction to my credit burea to reflect current
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2020 this company used my credit information without my knowledge or consent. Transunion  did nothing
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a 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 than records of convictions of crimes which antedates the report by more than 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: Debt collection

I R E C E N T L Y L O O K E D A T M Y C O N S U M E R R E P O R T A N D F O U N D S O M E A C C O U N T S T O B E I N A C C U R A T E. THIS ACCOUNT HAS BEEN OPEN FOR TO LONG SINCE XX/XX/year>2022 THE AMOUNT OF {$5900.00}. IM TRYING TO RESOLVE THE ISSUE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my XXXX credit report on line. There are items from U.S. Bankruptcy Court listed on my credit report. Per FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the information with the original Creditor, they must remove said information from the consumer file. 
The Bankruptcy Courts have also reviewed the Public record section and have mailed me a return letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate or confirm public records. It is the credit reporting agencies and other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S Court system due to the Fair Credit Agency Privacy Law.
My inquiry to the U.S. Bankruptcy Court confirms your Credit Bureau has never validated these public record entries on my credit report, neither will they ever be by them. They further stated they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may and often times are reported by third party sources unaware to the consumer and in most cases, incorrectly. Considering this information indicates a Fair Credit Reporting Act Violation, I need all bankruptcy information currently showing under my name and or my social security number to be Permanently DELETED from my credit report immediately. The XXXX Credit Bureau needs to provide me with all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per federal Law, you have exactly 30 days to complete this as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to  verify through physical validation of the original signed consumer contract and or judgements all accounts and public information that you post on anyones credit report. Otherwise anyone paying for your services could fax, mail or email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau and Better Business Bureau. XXXX XXXX XXXX
Product: Credit card or prepaid card

My XXXX Visa credit card was charged without my authorization by a merchant described as XXXX twice in XX/XX/2018. One charge was for {$99.00} and the other was for {$19.00}. I contacted the merchant, XXXX, and was told that it has a policy that it does not refund any charges. Therefore, I contacted my credit card issuer, XXXX XXXX, and disputed the charges as fraudulent in late XX/XX/2018. XXXX issued a replacement Visa card and suspended ( made those two charges not due on next statement ) the charges. XXXX contacted my by phone about my dispute, and I reiterated that I did not authorize the two disputed charges from XXXX in XX/XX/2018. XXXX then sent me a letter in XX/XX/2018 stating it had reviewed my dispute and found I received benefits. XXXX would therefore apply the charges to my next statement. I responded to XXXX on XX/XX/XXXX and XX/XX/XXXX using XXXX 's secure messaging to reference my disputes and subsequent letter stating XXXX would be applying the charges to my next statement. In these messages, I communicated that the disputed charges were fraudulent, and I did not receive any benefits. XXXX responded promptly ( most likely with an automatically generated response ) stating that, after my dispute was investigated, I would receive a letter regarding resolution. Since I've already received that letter from XXXX XXXX, and the resolution is unsatisfactory to me, I am escalating my dispute to CFPB. The disputed charges from XX/XX/2018 are now showing on my XX/XX/2018 credit card statement. I appreciate your assistance in this matter. 

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

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX.
Product: Debt collection

Synchrony Bank has been calling me over 20 times a day for the last few weeks. They are getting more and more aggressive. They're trying to reach someone named XXXX XXXX. My name is XXXX XXXX. They ignore my asking them to leave me alone and stop calling me. I've told them tot ake me off their list. I'm on the national do not call registry. I've emailed them and called them and answered their calls to try and explain I'm not this person. That's the name of the woman who had my phone number 4+ years ago. I'm tired of my phone ringing nonstop. These people are criminals and are harassing me. I'm going to call the police if they don't stop.
Product: Mortgage

I entered into a loan agreement with Wells Fargo Mortgage on Monday, XXXX XXXX, 2016. I had been preapproved for several months. I advised my loan officer that I was looking at many different types of homes to purchase. In XX/XX/XXXX, I asked if they lent on Manufactured homes. I was advised the did indeed lend on that type of home, if the land was included. A week or two later, I asked if they did leased land in communities. I was advised that if it was in an approved community, they would. I gave the name of my community. I checked back a couple of times, to verify a purchase was possible in my chosen community. I was advised it was approved. I closed on the sale of my home on XXXX XXXX, 2016. I signed a contract to purchase a home that afternoon and proceeded to start the formal loan processing process. I was advised I would need to pay {$610.00} for an appraisal. I gave the loan agent the number to my credit card. I forwarded all requested documents and signed all forms. I received a call from the loan processor the next day to go over my paperwork. He stated he needed the name of a title company, I advised him it was not necessary in Florida. I requested he speak to the agent at the community. I called to check on things on Wednesday, he said he was almost ready to submit my documents for approval. On Thursday, my agent called and stated that she had indeed spoken with the lender. I received a call from the original Loan officer that stated they would not be able to make the loan on the manufactured home because it was not being converted into real property and their bank did not do that type of loan. After the shock of having deposited money on a home, I now did not have a lender, I asked for my appraisal money back. I was told the refund had been processed. I checked my bank account from Friday to Monday, XXXX XXXX, no refund. I called on Monday and left a message for the processor with no call back. I called again later in the day and he told me he would check on it and call me back. I did not receive a call back. I called again Tuesday and given a tracking number for the transaction, that only is trackable through their system. I call my bank, they have not pending deposit. I call for a supervisor and got voice mail. I do n't understand why it takes this long to credit my account.