23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am attempting to correct my credit report with XXXX, XXXX, and Transunion. On my XXXX credit report states it states that I have an account with XXXX. I contacted XXXX to let them know that I do not have an account with XXXX because the account was transferred to XXXX. I disputed this claim and the during XXXX 's " investigation '', XXXX claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not XXXX. 

I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called XXXX to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, XXXX continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided XXXX with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. 

I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial Fall 2007 disbursement. I want the full loan history including the transfer information between lenders.
Product: Credit card or prepaid card

In XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX  from American Express website with the welcome bonus ( XXXX points ) they offer, during this process everything goes well and they do not give me any words/notifications that I am not eligible for this offer. But after I spent more than XXXX dollars for the spending requirement and pay in full price for the annual fee ( XXXX dollars ), I still did not receive any welcome bonus in XX/XX/2022, so in XXXX I politely contact American Express and they inform me that I can not receive the welcome bonus because I have another card from XXXX, but in reality I do not have any related credit cards from XXXX, this reason is not acceptable. I feel cheated and canceled the card and want to ask back for the annual fee but they refused to reimbursed my money back. I can not accept it because they can not give me an acceptable reason to decline my welcome bonus as well as to refuse giving me back my paid annual fee. If they do not want to offer me this welcome bonus, they should inform/warn me at the beginning when I applied for this credit card, instead of letting me know until I finished all the spending requirement and pay the annual fee. The credit card number for the card I am applying for is XXXX.
Product: Debt collection

They keep calling reference a debt owed by my ex-son-in-law. They have been divorced for 2 years. They change the number they call from and are told each time to stop calling. The 2 most recent phone numbers I have are XXXX and XXXX. Company Name is Portfolio Recovery. Each time they are told to remove my number so they just call from a different number.
Product: Prepaid card

I filed a complaint on XX/XX/XXXX about a dispute I filed with my prepaid card company Navy Federal Credit Union. My card company resolved the dispute, but closed my card account and never shipped me a replacement card in order to have access to my funds. Also on XX/XX/XXXX, before the complaint was filed, they removed {$74.00} from my account, and as of today those funds have not been returned.
Product: Mortgage

This is in response to my previous compliant  Case Number  #  XXXX . Even though the response was received, I wanted to respond appropriately and re submit my complaint with supporting documentation will be attach for review for accuracy.     In response to letter date   XXXX     from  XXXX   XXXX   Executive Respone Unit f rom  Cititmortgage.      In his letter he states that I was eligible for HAMP and a trial period with payment of  XXXX  which is incorrect the correct the amount {$780.00}. I will provide statements reflecting and all income was verified.  (  will upload documentation for review ) Also you stated about the account was recently review on   XXXX     with an offer of {$180000.00} however that is also incorrect. The offer of {$180000.00} CASH was submitted on     XXXX       from   XXXX   XXXX   XXXX   XXXX   ( Buyer ). T his offer apparently was countered by  Citi  of {$180000.00} and he was not willing to go up to that amount. My realtor found another buyer   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  who currently presented an offer that was submitted and signed on   XXXX   for {$190000.00} looking to close by      XX/XX/XXXX  and the file was actually just review on    XX/XX/XXXX    how convenient because my file was transferred from  XXXX   XXXX , then to  XXXX   XXXX  and to  XXXX   XXXX   XXXX  within a 15 day period. So attempting to get a status is quite difficult with your institution. ( will upload documentation for review  ) My sh ort sale analyst received this communication stating the following : " the lender denied the offer of $  XXXX  they countered back at $  XXXX . So the offer was denied and they will not review another until the sale date has been extended. The lender will file a motion to extend because of the short sale. ''  (  will upload documentation for review ) I would like the CFPB to record my response and publicly record of how unfairly I am being treated.
Product: Checking or savings account

On XX/XX/XXXX I was at the bank of america ATM on XXXX XXXX in XXXX, ar to withdraw cash in the amount of {$480.00}, I was about to choose my bill preference when a XXXX XXXX XXXX pulled through the lane on the back side of the atm HITTING the atm not once but twice. When this happened the machine had a message pop up on the screen saying the transaction could not be processed and a transaction reversal would happen. I was going to attempt to try to withdraw the money again on the same atm except now the machine said " Sorry we can't dispense cash right now ". I drove to the atm on the other side of the building thinking because the money was never dispensed surely it hadn't been taken out of my account. I was wrong. I now had insufficient funds. I parked and went into the bank of america and spoke with a teller, whom told me the only thing he could do was get me on the phone with the claims department. Then i was told it would take up to 10 days, possibly longer to receive a temporary credit, 45 days to receive a permanent one. IT WAS MY MONEY!! A vehicle that was too large to be in a lane hit the atm, and I have to wait for a credit?!?!?!?! A credit that ALREADY BELONGS TO ME?!!! Now I'm on day XXXX and I still have not seen a credit in my account. This is pathetic, there's video footage on the cameras at the bank, not to mention the ATM itself is over XXXX. Wrong in so many ways that I'm having to fight this hard to get money that already belonged to me.
Product: Credit card

I have tried to receive a refund regarding a purchase for {$20.00} on XX/XX/2023 that was not delivered by XXXX XXXX. I tried multiple times by chat and by phone to be refunded by XXXX XXXX  and was told the order was not eligible for a refund. I then started a dispute with Citibank. XXXX responded by sending Citi a copy of my receipt and no proof they delivered what was ordered. Citi now says Im responsible for the charge and to contact XXXX for a refund. I have photo and video proof that what I ordered was not delivered by XXXX driver. I also have copies of correspondence with Citi. 

Thank you
Product: Debt collection

The statement for a medical bill says that I can pay though their website. The website is not set up therefore their statement is false. What if this was the only way I can pay? 
National business factors inc XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I ordered three {$500.00} XXXX gift cards from XXXX ( i.e. from the " Blackhawk Network '' ). The cards never arrived at my home. When I followed up on XX/XX/XXXX, I learned that the cards had already been used, so, presumably stolen while in the mail to me and used by the thief. One card had one fraudulent transaction in the amount of {$490.00} ; another had six fraudulent transactions totaling {$490.00} ; and the third had three fraudulent transactions totaling {$91.00}. 

The remaining funds on the cards were then blocked. I was instructed that a " dispute form '' would be mailed to me, which I received in late XXXX, completed, and returned via email ( to the address XXXXXXXXXXXX ) on XX/XX/XXXX 

I received no confirmation that my dispute forms had been received, so I followed up in XXXX and confirmed with the company that the disputes were in progress. 

Today (XX/XX/XXXX ), I received three letters from the Blackhawk Network, each dated XX/XX/XXXX, demanding additional supporting information that it is not possible for me to provide. For instance they request " a copy of the front / back of the gift card '', which of course I can not provide since the gift cards never reached me. The letter also asks for another copy of the dispute form that I already provided, and threatens to close the dispute if I do not respond within 10 business days of the date of the letter [ i.e. two days from now ]. 

I intend to respond immediately as best I can, but in order to protect myself -- and due to the exceedingly slow response time by the company [ I have been without more than {$1000.00} for nearly two months ] -- I am now also filing this CFPB complaint. 

In the " account number '' section I will list just one of the three relevant card numbers, but I intend for this complaint to cover all three.
Product: Checking or savings account

I have had this account for almost 40 years, they are threatening to close my account due to the fact that they continue to take money out of my account ( unauthorized ) to pay for a credit card that I have entered a settlement agreement for. 

I can not catch up because I continue to get overdraft fees, late fees, and NSF fees on my account every month. 

I have called them and told them that I can not purchase my required medications every month due to what they continue to do to me. I have had to move my social security deposit elsewhere due to these repeated offenses.
Product: Credit card or prepaid card

i have had an account with Venmo for a while and I noticed my ex who has an extensive habitual gambling addiction, had yet again used my Venmo account to fund his online gambling accounts. This had been an issue previously and I reported it to the gambling site/s as well as Venmo, and my money was returned and things were settled quickly. However this time after returning the funds to me i was not able to delete nor add any new bank accounts or cards, I was however able to send {$50.00} to my mother who was able to give me cash. After that they said that I had violated some terms and that my account would be permanently closed and any funds could be held up to 180 days for liability purposes. Meanwhile the investigation was completed and the temporary credits where now permanent and was ruled in my favor, still they refuse to let me transfer my funds and stating I had to wait the full 180 days unless contacted by email and told otherwise. 

This is absurd considering this was a repeating occurrence, XXXX saw in my favor as well as Venmo, I was able to use some of the funds already, and I never violated any agreement! I am fine with my account closure, I just could really use the funds and would like them be released to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

This collection attempt is not a valid debt. I have disputed this numerous times and was able to have it successfully removed from everyone but XXXX. This is from 2011 from an apartment complex named XXXX XXXX. I owed this company nothing and was never evicted/ broke any contractual agreement. Since company has since gone out of business. Therefore, I 've had numerous difficulties verifying what specifically this debt is in reference to. Speaking with this collection companies represenatives have proven to be very stressful and provided XXXX clarity or resolution.
Product: Consumer Loan

This car loan has been paid in full. It has been in my credit report since XX/XX/2007 and they have refused to remove it from my credit reports. I DO NOT owe them any money whatsoever and the account is showing a XXXX balance and they still have not removed it from my credit report. 
Account Details Last Reported XX/XX/2007 Creditor Name GMFNANCIAL Account Type Auto Account Status Closed Opened Date XX/XX/2007 Closed Date XX/XX/2007 Limit -- Term 61 Months Monthly Payment {$290.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$12000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/2007 Amount Past Due -- Times 30/60/90 Days Late 0/0/0
Product: Debt collection

Sometime last week a representative from Midland Funding called me to set up a settlement amount from A Debt from XXXX XXXX bank that is not owed By me. His name is XXXX XXXX. He told me to pay the debt by XX/XX/XXXX and I do n't have to worry about it reporting to the credit bureaus and he would have the original XXXX ( XXXX XXXX Bank ) remove the account off my credit report. I then requested him to send me a letter stating that he would do that in writing before i make the payment. On XX/XX/XXXX I received a letter from Midland Funding about the settlement demand but it does n't indicate that the deragatory will be Removed. Today which is XX/XX/XXXX, I received an alert from experian indicating that I owe XXXX from XXXX XXXX bank as a Derogatory collection. This Collection agency not only made a false XXXX but they are reporting the same debt at the original XXXX ( XXXX Bank ) on my credit report which makes it a double Derogatory for the same thing. They did n't keep what was promised to me to make the payment before XX/XX/XXXX. They also informed me that it would not be Removed from my credit report once paid as XXXX of the other represenatives promised me. It is illegal to report inaccurate information on my credit report and treat me unfair like that. This is very damaging to me and my life, my family and is a XXXX of my character. This should n't be On my credit report and should be Removed and I request
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received official superior court document that a case was closed and balance cleared that is being reported to my XXXX and transunion credit report I have submitted this document to XXXX and Transunion numerous of times I even had the XXXX county court office speak to the credit companies telling them that the case is closed and should not be reported on his credit report but XXXX AND TRANSUNION keeps reporting the information as ACCURATE when it is not because the case is closed and refuses to remove it from my credit after I have provided substantial amount of evidence that it should not be on my credit reports and it has dropped my credit to atleast XXXX  points and is causing financial harm to me an my family
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian reports that my submissions are accurate, without any external evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the bureaus are diclimg a refusing to remove or dispute any of the inaccurate items that are on my credit. I continue to ask them to show me proof of who thery verified information from and when they continue to ignore me and violate my consumer rights.
Product: Mortgage

My escrow account was double charged for XX/XX/XXXX and XX/XX/XXXX XXXX and cities taxes by Bayview Loan Servicing , LLC . When they send me XXXX XXXX Report with shortage in XX/XX/XXXX, I called them to correct it, but instead of actual investigation of the problem they tried to make me believe that each payment XXXX XXXX and city from my escrow account was just XXXX of total payment due. I went to XXXX XXXX 's office and got Tax Bills for XX/XX/XXXX and XX/XX/XXXX that proofed that I was right. What is more XXXX XXXX and city taxes were paid by the company which I bought the house from, I guess, by mistake. As I 've been told at the XXXX 's office, checks from Bayview Loan Servicing were rejected and send back to the same address that they came from. I send all docs to Bayview and they finally figure out that they tried to pay taxes for my neighbor 's parcel because of wrong property legal description on XXXX deed. I bought the house in XX/XX/XXXX, and all taxes were correct until XX/XX/XXXX. The corrected legal description was recorded in XX/XX/XXXX. I faxed all proofs of it to Bayview on XX/XX/XXXX. And it is still not corrected as of today date. I spoke with all departments within the company, like customer service, escrow analysts, and customer advocacy team. They neither ca n't find money that they send to XXXX and city in XX/XX/XXXX and were returned back to them or correct my escrow account for 7 months already.
Product: Credit reporting or other personal consumer reports

Fraud Jeffersons Capital Systems reported on my credit report I have no business with them
Product: Debt collection

On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to Account Resolution Services asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising Account Resolution services that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX Account Resolution Services received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from Account Resolution Services.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate an incomplete credit information. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 
I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. 
I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. Otherwise, anyone paying you for your dad is probably fraudulent. I demand to see verifiable proof. 
I formally demand the following negative account records to be verified and/or removed immediately. 
Must provide proof of all your verification of the debt and we're you obtained it from Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers Thanks much in advance.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
Product: Prepaid card

I never received my card from boa and account was closed then they said they would issue me a check which again was a year late.