23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Purchased a Visa Vanilla gift Card from XXXX on XX/XX/2023. It was a XXXX gift for my son. When he opened it, it had been cut in half and all the numbers have been scratched off. I took it back to XXXX and they said that they have been having problems with their gift cards and actually have a department that deals with it. So they gave me the number and told me to call them and they would give me a gift card that works - I called the number they supplied ( XXXX ) XXXX and was told that Visa Vanilla will not work with them so I had to call Visa Vanilla to get the card replaced. So I called Visa Vanilla at XXXX and spoke with XXXX and he told me that they would replace the card. I gave him all my information and waited. No card was sent. I then called Visa Vanilla back and spoke with XXXX and she would not give me my case number and said that I would have to wait 15 MORE days. I asked to speak with a Supervisor or Manager and she hung up on me. I called back and was put on Hold and they never picked up. They left me on hold for over an hour. They will not give me any information. I think that they think that I am going to go away. I want my money so I can give my son his XXXX present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian for an account that has been closed and settled for over three years and they dropped my credit score from XXXX to XXXX and said I have a recent late payment on the account that is closed.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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
Product: Credit reporting or other personal consumer reports

I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 604 ( a ) ( 2 ). This section clearly states that I have the right to privacy and that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, under 15 USC 1692c ( c ), if a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must cease communication, except under certain conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a two part problem : I purchased a mattress on XX/XX/2017 for {$5200.00}. It was a promotional purchase of 12 mos deferred interest with payments. I have been making monthly payments mostly more than the minimum requested on my statement. However, not a single dollar has been applied to the promotional balance on the account. I called XXXX and I received a variety of answers all different, none of them made sense. I have been told that I need to call every month to request that they allocate a portion of my payment to my promotional plan and that was contradicted by someone else through chat saying a portion of my payment should automatically be applied to the promotional balance. I escalated my concern to a supervisor who claimed that because a change in terms all of my payment is being applied to my regular purchase plan and none to my promotional balance. When I asked more about this change of term such as the date and when a notification was sent out and a copy of it, he told me he would research it and get back to me in a week. He said he would call back but he never did. 

Ultimately, what I have gathered is that the minimum payment is calculated upon my entire balance ( my regular purchase plan and my promotional balance ) but when I send my payment, it is ONLY applied to my regular purchase plan. So how exactly am I able to fulfill the terms of the promotional plan if the payment allocation method clearly contradicts the terms of such plan? As of today, I still owe {$5200.00} on that credit plan even though I have made payments every month. So were the promotional plan terms fraudulent and instead I'm supposed to pay the {$5200.00} all at once after 12 months? Or is XXXX having an internal system issue in which they are not applying my payments correctly? 

My second issue is with the mattress we purchased on XX/XX/2017. It has a huge sink hole on one side. I've contacted XXXX to have it warrantied out and just like always they send the same technician who states there's no issue with the mattress. Their rudimentary way of 'testing ' the mattress ensures that XXXX never has to warranty a mattress. It is severely defective and unusable and it needs to be warrantied asap. We are tired of being sold lousy mattress after lousy mattress, new one much more expensive then the one before and it being of lower quality.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is directly related to the XXXX XXXX case # XXXX lines # XXXX My late husband XXXX XXXX was a branch manager for XXXX XXXX and past away in XX/XX/XXXX. At the time we had out checking account and Mortgage with XXXX XXXX. He had his business/work separate and I had no knowledge of those accounts. I was forced to short sale the home and close out the accounts after his death at the direction of XXXX XXXX and they made no offers of compensation or settlements of any accounts. Then since then I have been wondering why I have had to pay such high interest in all of my credit accounts and car loans. 

Then fast forward to XX/XX/XXXX I was remarried to XXXX XXXX and we wanted to buy a home and we were advised that XXXX XXXX has a credit card that was charged off which we had no knowledge of the account and did the normal dispute. But over the months we have tried to contact XXXX XXXX and have been disputing with the credit bureaus over and over again and they continue coming back saying it is been verified as valid. Then out of frustration on XX/XX/XXXX I wrote a complaint letter to XXXX XXXX in reference to Account # XXXX then I received a response letter from " XXXX XXXX at XXXX XXXX '' to contact her as they are researching our complaint. We called over and over again and left messages. Then they XXXX XXXX came back with a letter on XX/XX/XXXX that is so false it is shocking with statements. 

My name was never authorized to be on the credit card account. XXXX XXXX closed the credit card with a XXXX balance on XX/XX/XXXX shortly after they got the confirmation of my late husbands death in XX/XX/XXXX of which I have copies of the statements that XXXX XXXX sent me. Then on XX/XX/XXXX XXXX XXXX apparently used my personal Information from the previous Mortgage to reopen the credit card ( 26 months later ) in my name without my authorization an account I had no liability or knowledge of. The recent letter of XX/XX/XXXX XXXX XXXX writes numerous lies and claims that because I had a joint checking account they assume I was liable for the credit card balance too after 2 years. Now XXXX XXXX is trying to cover their tracks. I never knew nothing of this account until XXXX of XXXX and now know why I have been suffering since XXXX. 

XXXX XXXX has been posting this on my credit reports for years and has cost me an estimated {$10000.00} in extra fees and interest which I hold XXXX XXXX directly responsible for. XXXX XXXX had taken monies from my accounts when my late husband past away and tried to justify it that it belonged to the bank and I have learned that is not true either. 

Right now, My new XXXX husband and our XXXX XXXX XXXX XXXX son and I are being held hostage by XXXX XXXX for posting this fraud account on my credit files and we are unable to get a mortgage until this is removed from my credit files.
Product: Debt collection

On XX/XX/XXXX I sent off a debit validation letter to Credit Corp Solutions for a debit they claim I owed. I sent Credit Corp Solutions a certified letter tracking # XXXX in which was delivered on XX/XX/XXXX. I recently just received a letter from XXXX XXXX, PA claiming to be represented by Credit Corp SOLUTIONS on XX/XX/XXXX. Its been almost a full year for the information Ive asked from Credit Corp SOLUTIONS. They have violated my FDCPA 15 USC 1692g Sec.809. I will like examined on how was this account verified and what procedures was taking to prove this account is accurate.
Product: Credit reporting

I initially disputed items on my credit report, which came back as verified. I believe that the investigation is questionable.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a certified letter to Experian along with verification of my identity ( drivers license and a utility bill ) advising them that my personal information was inaccurate and needed to be updated. Experian has XXXX different names on my report and only XXXX of them is me. All XXXX of the other names are either names I have never had or are just misspelled versions of my name. I also requested to have my address information updated because they have XXXX different addresses listed and only XXXX of them is accurate. I am concerned that I may have been a victim of identity theft and would like assistance from the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Debt collection

I paid this creditor off ( XXXX ) {$260.00} in XX/XX/XXXX. This account has been paid in full and settled. I dispute this item 5 times with XXXX. Each time the Professional Bureau Collections of Maryland said this account is accurate. I reached out to Professional Bureau Collections of Maryland directly, a number of time. I was informed by a Customer service representative at ( Professional Bureau Collections of Maryland ). That they didn't care if I paid the account off with XXXX they want there money and will continue to report this item until I pay them. I offer to send documentation from XXXX and XXXX XXXX showing that this matter has been paid off. The representative said they don't care and they will remain reporting it on my credit as unpaid each month. Professional Bureau Collections of Maryland is a collection company ( XXXX XXXX ) hire to settle this claim. XXXX wireless reach out to me and I settled with them. They inform me after settled that the collection company will closed out the account as well. Which ( PBCOM ) never did .The company PBCOM are SCAM Artist COMPANY.
Product: Debt collection

I'm quite informed on the legal proceedings in regards to preventing judgements from being entered ( in terms of submitting an answer/requesting a trial date and such ), so I never let me summons/trial notices go ignored ( learned the hard way with a 12 year judgement that took months of research and years finally getting removed without having to satisfy payment ), but was recently issued from small claims a Default Judgment against me, granted to the Plaintiff, Portfolio Recovery Associates, LLC. I'm quite familiar with the array of debt collecting companies, and I, nor my husband, said that I was served for this said judgement, or I would have answered to it like I normally do, by sending certified answers to both the Plaintiff and the Court. I have no idea how this was granted without my knowledge at all that it was happening. I did access PRA 's site and logged in, it then said that it can not display my account info at this time and to call XXXX, XXXX, XXXX, XXXX. I'm assuming said debt has been sold again? How is a judgement without my knowledge of any of this occurring? The stranger thing is that I DID receive a summons 10 days prior to this judgment being granted, with XXXX XXXX, XXXX., suing me as well. I did send a certified answer to that case number, and received my trial date for XXXX, but I am very confused on how this is possible, if it is, what steps I should take if I swear I was not notified via mail, and if I was, how far back can that summons/serving to the defendant be substantiated for? I was under the impression that there is always 14 days to answer. My only thought is that I possibly may have been served in a previous year, but don't see how that could be possible if the judgement was just granted, since court dates are typically within the next 1-2 months ( that I've experienced, and I've gone to several of these trials ). I'm located in Alabama and would love your input/advice. Should I pay to seek court documents? I do not want to have to pay several hundred dollars to appeal in Circuit Court for a {$1100.00} judgment, but I do not think this judgement is fair. Not sure if I should contact FDCPA or what my next step should be.
Product: Student loan

I am in the post action class for borrower defense forgiveness of my loans from XXXX XXXX. MOHELA keeps telling me that Department of Education has not provided them with information to defer my payments because my loan will be forgiven. I have contacted Dept of Ed and they have sent the form twice but MoHELA says they do not have it. Dept of Ed told me to ask for deferment and mohela said they could not defer my payments without something from Dept of Ed. I feel I am getting the run around and can not get a straight answer. Neither side seems to know what to do or what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get inquiries from unknow Companies corrected and removed sent to Credit Bureaus and to the companies as well Certified mail, both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below 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 TRANS UNION XXXX XXXX XXXX TRANS UNION XXXX  XXXX TRANS UNION XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) This account OFFICE OF THE ATTY GEN : XXXX # XXXX is in violation, not reporting 100 % accurate It lists the Child support Court as the furnisher, thats forgery and misleading when the courts do not report this type of accounts, it also lists this account as a loan, which I never requested, received or sign for.

In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report.

they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint XXXX about TRANSUNION - the company is responding never received previously disputed inaccurate information complaints- on several occasions disputed items have been mailed out and sent electronically XXXX - is reporting inaccurate information and has been previously notified. The company refuses to remove the inaccurate information sending response that claims have been verified as accurate. XXXX is reporting old/inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the email I sent to Self : I opened an account with Self in XXXX to improve my credit with an auto pay set up for 12 months for a secured amount of {$150.00} per month. Since it was auto pay I never had a late payment. I completed the 12 months in 2021 and I believed I was finished but then saw that in XXXX Self reported a 30 late payment to the credit bureau which now negatively impacts my credit score. It was due to the annual fee on a credit card that I have never used and did not realize that it was a credit card. I understood the card to be a secured visa if I decide to put a secure deposit on it in the future. I have spoken to multiple representatives and the only help I have received was from XXXX in XXXX. He reversed the {$55.00} charges for the annual fee and told me that he would have a letter generated then emailed to me stating that the late fee was waived and should not have been posted to my credit. I did not receive that email and have since been bounced back and forth between departments from representatives who will not assist me. I spoke with XXXX this morning who was very kind and created a ticket as an additional document to go along with this email. I would like this to be resolved. I opened services with Self to positively build my credit and now Self reporting is doing more harm than good. I have attached a screen shot of the only information Self reported to the bureau. I would like a manager or supervisor to please contact me because I feel this needs to be dealt with and corrected from a position of higher authority. For Self to send me a letter stating that the negative report can be removed from my credit will help me without affecting your company so I dont understand why this has been such a difficult issue.
Product: Debt collection

A letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating that I owe them a debt for {$14000.00}. The Original Creditor was Bank of America, NA., who previously charged off the alleged debt. I have no contract with XXXX XXXX XXXXXXXX XXXX They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX XXXX XXXX XXXX. and Bank of America, N.A., about me is in direct violation of my privacy per the Privacy Act of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did NOT benefit from and that I did NOT authorize, they must be deleted. This constitutes as fraudulent activity due to the unauthorized use of my credit card ( social security number ). I have reached out numerous occasions this year alone ( XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about such issue and this will be the last time before seeking legal action. As I told You ( " EQUIFAX '' ) before, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( " EQUIFAX '' ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I have demanded you ( " EQUIFAX '' ) validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature you have not and seems as if you can not. I've demanded you ( " EQUIFAX '' ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. You have not and seems as if again can not. In absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. If my demands are not met then legal action will be taking for damages due to lack of compliance. If you ( " EQUIFAX '' ) will not abide by the laws that govern you I definitely don't want to do business with such company and will request my information be removed from your records. 

THIS IS MY LAST TIME REACHING OUT AND INFORMING YOUR COMPANY OF SUCH ACTIVITY. 

REMOVE SUCH INFORMATION FROM MY CREDIT FILE, IF NOT, THAN DELETE MY CREDIT FILE IN WHOLE.