23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

A law suit needs to be filed against XXXX, I really do not understand why there is a lot of fraud going on with their gift card and I do not know what theyre doing to curb this I work as a XXXXXXXX XXXX  and I was on an assignment in Texas XXXX I thought of surprising some of my co workers after the holiday, so I bought 4 vanilla gift cards ,3 valued at {$500.00} each and one for {$350.00}, I bought it at different intervals kept it and took it to work after my assignment, to my surprise none of these cards worked, I look so stupid to my co workers because they all have XXXX balance after activating, I came online to read and found out there are lots of complaints about XXXX products especially the XXXX, my neighbor told me he had the same experience recently, I am attaching all cards and receipt to this case, I want a refund check of my {$1800.00} mailed to me and a mailing tracking provided to me, to be sure this was sent
Product: Vehicle loan or lease

I had an open loan on a XXXX impala, with brought price at XXXX miles, i have paid on this car for a year since XX/XX/XXXX, my loan was finance through MEI finance and purchase at the lot XXXX XXXX, i have tried to reach some kind of agreement with the car and speaking to numerous of supervisors with in the finance company, all i every got was they will give me a a call back, some reason when i first called about this problem my conversation with the people i spoke with wasnt in the system, they claim they didnt have any records of that, my car has been running bad since i purchased it from getting a wheel alignment, brakes, and rotors all that they claim they fix even the body shop when i first purchase the car, they said that the dealer didnt write a slip for the muffle, when i spoke with XXXX XXXX the first time they told me they didnt have a muffle shop, so basically they kept giving me the run around between each other, ask for my files and my payment history never missed a payment, they wouldnt even consider letting they so called shop service department look at my car told me that it will be XXXX weeks before they can get to it, nobody never called back to do a follow up on me, been that i was a active paying customer then they had an 17.8 % interest rate on me when i took the car into a XXXX dealership they told me that the car was only appraised for {$1500.00} - XXXX, i have decided to give the car back i can not afford to fix a car and pay a payment, i explain that to them they told me because the car is broke and at they shop and i needed the funds to get XXXX that doesnt means it put my car note on hold they didnt try to offer me no kind of comprehensive or nothing, they told me they can only give me an 7 day ext why i try to fix the car myself under my own terms, they didnt do nothing that they withhold with this warranty due to the muffle it failed emission test i couldn't even get the car inspected as of today still waiting on someone to called me back and its been over XXXX hours, i have also file an complaint with the better business bureau after doing my research running across a couple of people that have had business with them they all said the same they treat all they customers like that, i will like this loan dismissed and we some kind of way reach agreement that i have successful gave them they money back that the car was worth, XXXX a month
Product: Checking or savings account

I've been banking with Bank of America for years and I've had the same savings account for around 15 years they haven't charged me any monthly maintenance fee until XX/XX/2023 where they charged me XXXX $ for not having a minimum of XXXX XXXX which they didn't send me letter or email notifying me that they would start charging XXXX $ if i didn't keep a minimum of XXXX $ or I else i would had. So in XXXX I check my savings account and realized they charged me XXXX $ for the month of XXXX, XXXX, XXXX, XXXX and XXXX. I called them and asked them why they were charging me and they said I needed to have a minimum of XXXX XXXX I told them how they didn't notify me and they didn't give me a concrete answer. I told them I would transfer XXXX $ there and then from my checking account and if they could refund the money. They only refunded me XXXX XXXX 
I feel as if this is unjust due to them not telling they would start charging XXXX $ for not having a minimum of XXXX XXXX 
I know in my checkings account I need to have a minimum of XXXX $ it not they charge me XXXX XXXX Which they did not too long ago but I'm accepting of it because I was notified a long time ago. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to block fraudulent information from my credit report via mail on XX/XX/22. These documents were sent overnight and received by the bureau on XX/XX/22 with tracking information to prove tracking # XXXX. I sent all required documentation including a FTC report, proof of identity and reason for the dispute request. When I spoke to a representative at Transunion they told me they did not receive my documentation even though they are suppose process, investigate and remove fraudulent accounts within 4 business days according to the FCRA. The two accounts listed on my credit report that do not belong to me are XXXX XXXX {$10000.00} and XXXX XXXX XXXX  {$4200.00}.
Product: Debt collection

This debt is not valid. This is for an apartment that i leased. After coming home to a break-in and all of my belongings ( electronics, jewelry, clothes ) were stolen, I communicated to the manager of the leasing office that i did not feel safe and wanted out of my lease. She agreed to let me out. However I was charged bogus fees which are now on my credit report in the form of a collection.
Product: Mortgage

XXXX hit XX/XX/XXXX, I applied for forbearance on my mortgage and it got approved for a year. I became unemployed due to the pandemic. A year went by and I applied for an extension of 3 months which was approved. After my first extension, XXXX, the lender lost communication with me, didnt tell me that I have to fill out another loss mitigation packet to receive additional time. Im still unemployed at this time with no hope in sight for income. Finally get another job XX/XX/XXXX and making regular payments again XXXX XXXX XXXX. Come XXXX I was informed that my mortgage had been transferred to the foreclosure department of XXXX. I had found out also by calling in to make a monthly payment too, its not like XXXX had reached out to inform me of all this. I asked how come and they said that the deferred payments of the forebearance agreements werent paid on time. I said that if your communication was better between us this wouldnt have happened because I didnt know the arrangement was to pay in full the deferred payments and by the way the property is for sale and set to close XX/XX/XXXX. A foreclosure attorney was hired by XXXX XX/XX/XXXX and now is showing on my credit report as foreclosured upon even though, I paid off all loans and attorney fees. I DONT feel as if I deserve the derogatory remark on my credit report simply because I lost my job and livelihood from the Covid pandemic and did everything I could to get my life back to normal
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which XXXX XXXX  never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about it
Product: Credit reporting or other personal consumer reports

I requested via a dispute to update the information on my credit report to show the actual current balance with the actual amount that has been paid off. This is impacting my credit score and impacting my debt to income ratio when looking for a home. 

I have paid on time each time and it seems as if they are only updating reports that show derogatory information, but good information should be reported as well, ESPECIALLY when there is a dispute regarding the information. 

I have rquested a change TWICE via disputes to Transunion and each time, it came back that the dispute was completed with no change to my report.
Product: Credit reporting or other personal consumer reports

XXXX is supplying erroneous information on my credit reports that state the accounts were 90 and 120 days late. These accounts were in forbearance and never late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX.
Product: Debt collection

I sent a complaint about IQ DATA INTERNATIONAL about a  debt they are falsely reporting on my credit reports across all three bureaus, and they replied as debt being " validated ''. However, their claim is completely false. The only thing they sent for validation is a statement from the alleged original debt, however, they are sending a statement from a different company. They claim this debt is from an apartment named " XXXX XXXX '', but they send me the paperwork from another source called " XXXX  '', which is a debt they already confirmed as PAID and requested to be deleted. Now they are using the paperwork on the other account in order to falsely " validate '' this debt. 

At this time I will inform you that if your offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX  ), this action might  constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 

If your offices fail to respond to this validation request within 15 days from the date of your receipt, with FACTUAL DOCUMENTATION all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Debt collection

Convergent outsourcing sent me a letter dated XX/XX/21. They claimed that I owed XXXX XXXX {$390.00} and that they would settle with me for {$270.00}. This is a fraudulent claim because I have no current account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To provide some background, I discovered that an address I have never resided at or had any association with is listed on my credit report. Upon further investigation, I found that this erroneous address was added to my credit report by a creditor. They claimed to have received notice of the address change from the post office, although I did not authorize or initiate any such change. 

Realizing the potential consequences and negative impact of an incorrect address on my credit report, I immediately contacted Experian to dispute this inaccurate information. I provided them with a comprehensive explanation, supported by all relevant documentation, including proof of my actual address history. Unfortunately, Experian has consistently refused to remove the incorrect address from my credit report, despite my continued efforts to rectify this issue. 

This prolonged ordeal has caused significant distress and has had adverse effects on my creditworthiness. I firmly believe that Experian 's refusal to correct this inaccurate information not only infringes upon my rights as a consumer but also undermines their obligation as a credit reporting agency to maintain accurate and reliable credit reports. 

I have made numerous attempts to resolve this matter directly with Experian, engaging in extensive communication and providing them with all necessary documentation to support my claim. However, their response has been consistently dismissive, leaving me with no other recourse but to seek your assistance in obtaining a fair and expedient resolution. 

I kindly request that the Consumer Financial Protection Bureau intervenes on my behalf and ensures that Experian takes immediate action to remove the incorrect address from my credit report. Despite my persistent efforts, Experian has repeatedly failed to address this issue satisfactorily. This situation has left me vulnerable with regards to my financial reputation and opportunities. 

Enclosed with this letter, you will find copies of all relevant correspondence, supporting documents, and evidence that substantiate my claim. I trust that you will conduct a thorough review of this information and take the necessary steps to bring about a just resolution. 

I sincerely appreciate your attention to this matter and your commitment to safeguarding consumer rights. I have full confidence in your ability to advocate for a fair outcome and hold Experian accountable for their failure to address this issue appropriately. 

Thank you for your time and consideration, and I eagerly await a positive resolution to this longstanding dispute.
Product: Checking or savings account

My original complaint with CFPB was # XXXX. The money is still not accessible. on XXXX I contacted the Fraud Dept again to ask when I could expect the resolution because the letter received said they were still awaiting the investigation from another bank. Well, after waiting for some time the representative came back and told me to go to a branch and they would pay me out of the funds because they account has been closed. I went to a branch and the Manager told me that there are no notes on the account to support a payout and asked that I contact them again. I called the Fraud Dept again, told them the situation, waited for some time again to be told by the representative the account was still under investigation. Consequently, could not get the money. 
Today, XXXX I looked at my account and found the bank received and deposited a check for {$12000.00} into that account XXXX that had been hacked before. 
There has to be something that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to M & T early XXXX of XXXX due to them providing personal information to 3rd party Companys, XXXX XXXX, XXXX, and XXXX providing false late payment information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6802 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information. They are also in violation of the security act of 1974. The privacy notice is attached which states they would not share 3rd party information, nor would they share with any non-affiliates.
Product: Credit card or prepaid card

Capital one case # XXXX The amount {$10000.00} Someone that i know personally opened credit cards and use my identity and also got apartments and jobs and a i.d . in my name.And i got a letter stating that they are garnishing my hard earned money out my account and seizing all my wages ... for something i did not do ... or had no knowledge about.until after the fact the debt collector showed me transactions and the persons name on it ... .when i saw XXXX XXXX and XXXX XXXX ... under the transacations i then know what they did ... they open a business account in my name and made and put there names on it ... and had the cards sent to them ... .they made it look like i authorized it but i didint. so i filed a police report. because this is nonsense .... i shouldnt be having to through this. 

also XXXX XXXX the amount of {$2200.00}
Product: Debt collection

I received a phone call from a family member today. That family member asked me what was XXXX XXXX? I asked why and he said that he received a call from them asking about me. He asked how did they get his number and they quickly replied " I can't give you that specific information but only to say that this is an attempt to collect a debt ''. The representative at portfolio recovery asked him if he was my spouse. He answered by saying my spouse was deceased. I did not give anyone permission at this collection agency to contact anyone besides myself about any debts I allegedly owe. This should be against the law and illegal to disclose somebody's personal information to third parties no matter who they are. XXXX XXXX  should be investigated and reprimanded for this type of practice. If harassing someone is illegal in the eyes of the law, then harassment from this agency should be as well.
Product: Credit reporting or other personal consumer reports

I looked at my credit report earlier this year and noticed 7 accounts that are reporting inconsistent information/inaccurate across all 3 credit bureaus transunion XXXX XXXX asked the company 's to investigate, and I keep getting the accounts updated with inaccurate information.they are reporting charge off accounts repeatedly and it is manipulating the statue of limitations.the following accounts are violating my federally protected rights and I'm requesting {$1000.00} per violation I've counted XXXX and violations from all of the inconsistent reporting.please pay me or delete the accounts.ive been battling XXXX XXXX XXXX since XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX repossessed my XXXX with no notice in writing or by phone.while I was in XXXX and they left me with no transportation.because of there predatory lending practices I Became homeless and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or go to the grocery store.please help me protect my consumer rights against the following company'sXXXX 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  have all inaccurate/incomplete information reporting inconsistent information across all 3 credit reports transunion XXXX XXXX.please help me I need to buy a car to get myblife back in order and I'm not able with 2 repossessed cars on my credit report.
Product: Credit card or prepaid card

I contacted Chase regarding a promotion they were running for their Reserve card. The promotion provided XXXX bonus points. Since I was an existing Chase Slate customer I called their customer support organization to inquire about the new card promotion and confirmed I would be able to take advantage of the bonus points by upgrading my current account. I was told yes, but they needed to run my credit to increase my credit line to ensure I was eligible. They ran my credit and increased my limit. Fast forward 3 months, the bonus points were never received. I reached back out to try to resolve the problem. Spoke to an agent and someone claiming to be in a management role. They would not share the call recording with me and simply said that they could not honor the bonus points since I was a current customer. I also went on twitter to try to escalate, but Chase did not resolve the issue and stopped communication with me. I feel like I was not provided accurate information and would not have upgraded my card ( which includes a annual fee ) if I knew I was not going to receive the bonus points.
Product: Credit card or prepaid card

In 2017, Best buy charged me the full interest for 2 item amounts that were interest deferred : Total ; XXXX $ All interest rates across all charges/promotions were the same All payments were applied to regular purchases, even in the 2 billing cycles leading up to the period when the deferred interest expired. 
After that month, my interest rate increased by 1 % across all charges without notice. 

I noticed this in XXXX before XXXX and called Best buy rep and complained asking why payments were never applied to the deferred interest promotion. Rep said that payments are always applied to the highest interest rates yet, my rates were all the same. I became frustrated asked for 3 years of statments then canceled my card.