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

I received a {$100.00} Vanilla gift card on XX/XX/23 for as a bday gift. After I tried to activate it and couldnt, I emailed photos of the receipt ( thankfully I was able to obtain it ) my license and the card itself, as requested. I was given a claim id #. Well its been almost 3 months since my birthday and I still havent received my money. The last straw was today. I was told by the rep XXXX XXXX, who always answers. Which thats a whole other conversation ) that nothing has been updated. Try back in a few days. 1st call I made I was told call back in 30 days. Then it was 5 days. And today, it was a few days. Obviously. I feel like this is no ones concern but mine.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

Based on the credit bureaus when I was XXXX years old I had a charge-off with XXXX XXXX XXXX XXXX XXXX XXXX This is impossible because I was XXXX years old and not aware of any possible debt. They stated that someone used the card for a gas charge but at the age of XXXX, I did not have a car? They also did not ask me to dispute the charge at the time of the debt. Someone used my card and charged it and I had to pay for it. This is illegal because if a debt is not the consumers then it must be disputed. I have paid the debt only because it was hurting my credit profile. At XXXX years old I was not allowed to have a bank card, so how did I make the debt? I have contacted the credit bureaus and the company countless times with no results. I have been in contact with them since XX/XX/XXXX. They have not provided me any details of verification or validation of this debt. I would like this removed from my credit reports immediately due to the negative impact that it has on my credit. XXXX stated that they removed it due to these circumstances however Transunion and XXXX have not responded to my dispute at all. I would like this removed from my account. This account has held me back countless times and It has caused me major XXXX. This charge was not me.
Product: Money transfer, virtual currency, or money service

date XX/XX/2020 {$100.00} was sent to my account, I lost my login info, tried to contat the company previous times, no response, I sent in all of my accurate information and they said that my card info they could not identify. I have all of my paper work that came with my card, I have my card and all other documents necessary to prove that it is my account. company is cash app
Product: Mortgage

Planet Home Lending is my mortgage servicer and they are not crediting my monthly payments to my account in a timely manner. I mailed check number XXXX in the amount of {$1000.00} in XX/XX/XXXX for a XX/XX/XXXX payment and the company still has not cashed the check ( today is now XX/XX/2017 ). Planet Home Lending has also locked my online account and will not distribute a monthly statement so that I can see my mortgage account information. I have sent a written notice to the company in XX/XX/2017 to request that I start receiving paper statements again but they have not responded to my request, nor have I started receiving statements for my account. This company is very unresponsive to my written requests and now they will not deposit payments received to this account in a timely manner. It is almost as if they want the account to default by way of not honoring my payments. I would like help in having my payments posted timely and also receiving a mailed monthly mortgage statement from this servicer.
Product: Checking or savings account

Under the RFPA, the federal government agency must first send the customer written notice of its intent to obtain the customer 's records. The federal agency must also provide an explanation of why it's seeking the customer 's information. 

The RFPA applies to the following customers of financial institutions : Any person who uses any financial service or financial product of a financial institution ( such as a bank or credit union ) Any person for whom the financial institution acts as a fiduciary Corporations or partnerships of five or fewer individuals Before a government official may access a customer 's bank records, they must first obtain one of the following : A grand jury subpoena An administrative subpoena or summons A search warrant A judicial subpoena A written request by a government agency ( in the absence of summons or subpoena authority ) A signed and dated authorization by the customer The financial institution may not release the requested bank records until the government authority certifies in writing that it has complied with the above procedures. As the customer, you also have the right to inspect the requested documents under the RFPA.
Product: Mortgage

An addendum to my complaint submitted early in the week : After becoming thoroughly frustrated with Nationstar Mortgage ' s horrible refinance process and giving them the red light, the company 's underwriting team ( Greenlight ) decided to send me a denial letter! Really??? It took you four months to make this decision? Poor! So what happens to my current loan with this company? Maybe I will blessed and Nationstar Mortgage will sell my loan! I suppose this is what happens when you file a complaint!
Product: Credit reporting or other personal consumer reports

My wife and I were under a forbearance agreement with XXXX XXXX. We gave them one payment at that time of what we could afford, XXXX  started the billing process on us and stated that we were late now. They reported us late for the next 6 months till we had to work out payments and a loan modification. Since then, we have paid on time every month. We have complained about the negative reporting before, and their response is as always. Per the fair debt collection act, we have the right to report what we want. I have advised them that since they agreed at the time to follow the cares act, they are governed by the rules and not allowed to report something negative like that. the past two times they have stated they would check into it and have someone get back to us. Recently we applied for an equity loan and was turned down because of our payment history from the mortgage company. With a forbearance in place and after the modification we signed with them they have continued to show and report negative remarks from our past history and from our late fees and account issues from the forbearance time. they see in their system that we signed the forbearance agreement however they didn't follow the rules on their side. I have done the research and found that they have done this to several other clients also.
Product: Debt collection

At XXXX XXXX eastern time this morning I received a call from a number I did not know. Upon answering the phone, a lady who identified herself as XXXX XXXX from ARA ( Asset Recovery Associates ) proceeded to tell me that I owed $ XXXX to XXXX and that she had received this claim in her office today. She stated that her office is in the process of filing a judgement against me for the amount they claim I owe. She informed me she was calling on a recorded line. When I told her : 1. I do not owe the money, and 2. Even if I did, it is time-barred. When I started writing down her information, she stated that her company offered me a settlement of $ XXXX and that I did not respond and now I am responsible for the entire $ XXXX. She was very aggressive and argumentative. 

When I asked if she would call back so I could also record the call, she said no. In the end of the conversation, she refused to give me the company address. I told her not to contact me again. She kept talking over me and said that if I paid my debts on time, they would n't have to call me. I told her that they can not contact me again once I have instructed them not to do so and if they do, it is a $ XXXX fine per call. She just kept talking over me. 

I told her to file the judgement against me and I will see her in court. At that point, she said I would n't be seeing her. I said I would see someone as what they are doing is illegal! She then hung up on me. 

A few minutes later ( at XXXX ), I phoned the company and asked for the lady. She came on the line and I told her that I was recording the call. She started shouting that it is illegal for me to record her without her permission ( it is not, I am in GA which is a XXXX party consent state ). I kept asking for their address - she just kept yelling that I did not have her permission to record her. I told her that I can record because I am in a XXXX party consent state. She would not give the company address and hung up on me again. 

This all stems from an alleged debt incurred more than 15 years ago!!!!!! This debt has been sold numerous times and I go through this frustration every single time.
Product: Credit card or prepaid card

American express ( along with other credit card companies ) have a policy of updating merchants who post recurring transactions with new consumer credit card numbers as they change ... so that the merchant and consumers do not experience the inconvenience of having to update accounts each time a credit card changes. I get this ... but there is a major downside that I am surprised no one has challenged yet. 

The below may be generalized statements ... but they help paint a picture : The issuers generally do not allow the consumer to opt-in to this program The issuers do not allow the consumer to know who has been provided access to the new credit card number ( no notification ) The issuers make it difficult for consumers to manage who can hit their credit card with recurring transactions. ( you have to call and tell the issuers who to block - assuming you know which merchant has the new information ) There is a huge potential for fraud with this process, and it seems in this day and age, the idea that someone can provide my personal updated credit card information to vendors I want to stop doing business with seems outrageous. At a minimum, i should be allowed to opt in or out.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and requested investigation into my account.
Product: Debt collection

In XXXX of 2021 i tried to settle a debt with XXXX XXXX for less than the full amount and made arrangements with the collection company which held the debt. They aggreged to a set amount and then when I made the payment they did not treat it as a settled in full for a less amount, but instead tried to make me pay the remaining amount. So i then called and cancelled my payment as that was not the agreement I made with the company. 

After waiting to receive my payment back, i then tried calling back to settle this account during XXXX of 2021. I offered to pay in full for a lesser amount! After talking with the representative and making my terms very clear that if they took my payment that the account would be paid in full. I then sent in my payment to the company and again they applied it as a payment to the amount and not a settlement agreement to pay this off for a lesser amount. 

I then tried to speak with a supervisor at the company who explained that they couldn't credit the account that way. That it would be a multi step process to accomplish wanted i want and it couldn't be credited as paid in full. So instead of doing it the way i requested it be done and the way that me and the representative agreed to it they just processed my payment the way that benefited them best and disregarded the agreement we had made on the phone for this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOTANATTORNEY OR THIRD PARTY REP. The accounts are not mines : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts and inquiries has violated my rights. 

DEPT OF EDUCATIONXXXX Educational -Account # XXXX DEPT OF EDUCATION/XXXX Educational -Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX The following personal information is incorrect Former : XXXX XXXX XXXX The following personal information is incorrect Also Known As XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX NJ XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX TX XXXX The following personal information is incorrect Employers : XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry XXXX not authorized XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX The XXXX XXXX not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX  The inquiry was not authorized XXXX  The inquiry was not authorized XXXX The inquiry was not authorized XXXX The inquiry was not authorized XXXX XXXX  XXXX The inquiry was not authorized XXXX XXXX, XXXX XXXX 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: Mortgage

My name is XXXX XXXX and I am XXXX, XXXX  XXXX XXXX Veteran that proudly served my county and would serve it again if I could. I am being taken advantage of by Planet Home Lending and this issue has existed since XX/XX/year>. I am XXXX XXXX XXXX. 

Specifically, the company is doing the following ; - They are acting like I am paying late and are charging me late fees when I am paying early and send my payments certified as proof - they are demanding more money to go in my escrow account than what is required - They are raising my FIXED VA note to a much higher amount for no reason - The money that is supposed to go into the escrow account from my note they are not putting it there on purpose - they are harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX requested Experian to block fraudulent items off my credit report. two of them that they didnt block was XXXX XXXX  and XXXX XXXX/XXXX  under the FCRA subsection 605b I requested the two accounts to be block due to fraud. the companys had resert it back into my credit report without any explanation why they reinsert it. so I provided additional information, relevant documents as the XXXX county police report. A POWERFUL AFFIDAVIT. THE MORE EXPERIAN AND XXXX  KEEP PLAYING GAMES, THE EASIER I CAN BUILD A CIVIL CASE. AT THIS MOMENT I CAN SUE THEM FOR OVER {$40000.00}.
Product: Credit reporting or other personal consumer reports

I was stunned to see incorrect accounts on my credit report tonight with no explanation for how they got there. I routinely check my report, and theres never been an issue until now. When I saw the discrepancies, I even refreshed the browser, thinking it was a glitch, but the inaccuracies stayed. This has me really concerned, so Im asking that my documents be thoroughly reviewed to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX, XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following : Accounts : XXXX XXXX XXXX XXXX, auto loan account opened in XX/XX/XXXX, with a balance of {$41000.00}. 
XXXX XXXX XXXX, auto loan account opened in XX/XX/XXXX, with a balance of {$19000.00}. 
XXXX XXXX XXXX XXXX XXXX, auto loan account opened in XX/XX/XXXX, with a balance of {$22000.00}. 
XXXX XXXX XXXX, collections account opened in XX/XX/XXXX, with a balance of {$5300.00}. 
Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. 
XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX, Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, Removal Dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX. 
XXXX XXXX, Inquiry Date : XX/XX/XXXX, Removal Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 

I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX Monday XX/XX/XXXX about an address on my report that I never lived at.I was told that they couldn't delete the address because a creditor said I had a delinquent account from that address.I asked how was my information verified and she told me the law says they don't have to verify information anymore and I should file a police report and contact the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

ECMC was garnishing my check for 8 months with consent and still reported negatively on report and still does to date. School shut down without knowledge and embezzled millions from it students. I am a veteran and at the time was utilizing my GI bill and XXXX to pay for school and feel the collector to be fraudulently collecting and once told collections stoppeybut report from company continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( AMEX XXXX )
Product: Debt collection

In the collectors first communication they did not include the statement of the right to dispute the debt within 30 days. The collector reported the debt as valid to the credit bureau before the expiration of 30 days. They continued to report the debt as valid and undisputed to the credit bureau after I disputed the debt and requested validation of the thereof.
Product: Money transfer, virtual currency, or money service

An International money transfer was sent from my mother to me through Western Union on XX/XX/2020. This transfer was set to be picked up by me in the XXXX XXXX. The transfer was in the amount of XXXX USD. The money order was instead picked up by someone else in the XXXX using my info on XX/XX/2020 even though I have never been to the XXXX and can provide documentation proving this. XX/XX/ called and explained the situation and requested a refund was informed that an investigation would be done. Called again on XX/XX/20 and was informed that a refund would be granted and in 24 hrs we would be contacted with a new tracking number to receive the refund, never got a call from Western union On XX/XX/20 got in contact with western union and was told that there would be an investigation again into the matter and that they would contact us in 24hrs. this never happened and instead, we had to contact them and were told that the refunded money was picked up even though it never was because we never got a new tracking number for the funds. XX/XX/20 spoke to a supervisor and was told the case was still under review
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, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX, two accounts DEPT OF EDUCATIONXXXX # XXXX, two accounts XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXXC # 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