23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have been given 2 American Express virtual gift cards. The first one I received on XX/XX/2024 for the amount of {$200.00} was giving me problems, I couldnt add it to my XXXX XXXX  or use it online with any store. I was finally able to use it to buy movie tickets and my balance was then {$160.00}. After that I was still unable to use it anywhere else so I contacted their customer service and kept getting the same response. The card is active and working, you can add it to XXXX XXXX or use it online. They would not tell me why my card wouldnt work, I kept trying and it kept declining. I spoke with about 5 or more agents that day, and kept giving the info on the card. I go to check my virtual card and try again, theres a fraudulent charge on my gift card from XXXXXXXX XXXX XXXX XXXX. The only other people that have access to this card is the customer service agents from American Express. I contacted customer service again, and made a complaint that one of their agents committed fraud and used my card, made it even worse because I couldnt seem to get it to work but they could and used my money. They told me they would look into it but I havent received an update yet. I called they said theyre still working on it. I received another {$100.00} gift card on XX/XX/XXXX since my previous one wasnt working. I am again having the same problems. Contacted customer service again against my better judgement. I was again given the runaround. This agent told me that my previous case was still being handled, and that this card should work, but its not. I then asked why myself and so many others are having these issues and the agent couldnt give me an answer. She then offered to refund me in the form of a check for my {$100.00} gift card but couldnt for the other since the case was still processing. I agreed, she then placed me on a hold and came back saying that she wasnt able to do the refund by check because it wasnt purchased directly from them. I informed the agent that I would be making a complaint to the CFPB about both my cards and all of the calls Ive made. Im done dealing with this company and their poor service. I dont see how this service has been allowed to continue. Ive done research and seen where there are hundred of other people that have the same experience Ive had dealing with these Americans Express cards, both physical and virtual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Inquires on my credit report XXXX 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 have recently viewed my credit report and it displayed inquiries I am unaware of. 

I called the Transunion reporting agencies and let them know the inquiries for XXXX XXXX XXXX on XX/XX/XXXXXXXX  and XXXX XXXX XX/XX/XXXX, are not supposed to be visible on my consumer report because I never gave them written permission and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request. 

I called XXXX to let them know the inquiry made on XX/XX/XXXX, by XXXX XXXX XXXX are not supposed to be visible on my credit report. 
I never gave them written consent to report them and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and address the numerous inaccuracies and violations in my credit report that undermine my trust in your organization and violate federal laws, including the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ). 

Please view attachment with accounts listed.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell the XXXX credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXX of XXXX, I underwent several procedures at the behest of the XXXX XXXX XXXX XXXX XXXX, including a procedure at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. These tests were to evaluate me as a potential XXXX XXXX XXXX. 

In the US, the costs associated with donating an organ are covered by either Medicare or the RECEPIENTS private medical insurance. I was the potential XXXX. See XXXX XXXX XXXX XXXX XXXX as evidence. I also have emails from the XXXX XXXX XXXX representing that I would not be financially responsible for the testing. XXXX XXXX XXXX XXXX XXXX  XXXX. was aware of this prior to performing the procedure. 

In XXXX of XXXX, XXXX XXXX contacted me about a collection for $ XXXX reference number available on request. On XX/XX/XXXX, I disputed the debt, including the above information. Additionally, I furnished a point of contact for the XXXX XXXX XXXX, so that the people responsible for the debt could be contacted. At the time, XXXX XXXX accepted that the debt was invalid and stated they would cease collection efforts. I copied the XXXX XXXX XXXX XXXXXXXX XXXX. on the written response, and also informed them via telephone. 

On XX/XX/XXXX, XXXX XXXX contacted me again about the debt. No validation was documented. No notice that the debt was disputed was provided. I believe that both of these are violations of the Fair Debt Collection Practices Act. 

XXXX XXXX provided the contact phone number of ( XXXX ) XXXX and an address of XXXX XXXX XXXX, XXXX, TN, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed two charges on my XXXX XXXX XXXX XXXX ( XXXX XXXX ) in California that I did not make : The charges included : -A charge on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX XXXX XXXX CA -A charge onXX/XX/XXXX : XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX CA I called ( XXXX ) on XX/XX/XXXX at XXXX to report fraudulent charges on the card. The person who responded cancelled the card and said a replacement would be sent. They also said an investigation would begin into the fraudulent charges. I explained that I did not travel to California and no one else had access to the card which I still had in my possession. I called ( XXXX ) again onXX/XX/XXXX to report an additional fraudulent charge on the card to inquire why the charges from the previous called had not yet been removed. The new fraudulent charge was : Date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA The individual who answered the phone noted that they were investigating the charges on my card.
Product: Debt collection

I am extremely dissatisfied with the inaccurate reporting of late accounts on my credit file. The accounts in questionXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX should reflect a positive review or be marked as closed/never late. After a meticulous review, the banks have agreed to remove these accounts.
Product: Prepaid card

I have a gift card for XXXX and can not use it at seemingly any online retailer. This includes retailers that accept AmEx cards. Every time I try to use it the card is declined by the bank.
Product: Credit card or prepaid card

An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with Comenity Capital for a XXXX XXXXCC. I have attached my W2, utility bill, and identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

OVER 8 YRS AGO MY DAUGHTER RECEIVED A LETTER FROM XXXX XXXX IF SHE BROUGHT {$200.00} IN TO A LOCAL XXXX XXXX, SO MY DAUGHTER AND MY SELF WENT TO XXXX XXXX XXXX, WV, SO WE GAVE THE MONEY TO LADY, BASE ON THAT WE THOUGH WAS TAKEN CLEAR OF, ONCE WE START RECEIVING THESE LETTERS FROM XXXX XXXX, I CONTACT SEVERAL TIMES, XXXX XXXX SUPERVISOR I TALK OVER THE PHONE WAS VERY NASTY, THAT LETTER MY DAUGHTER RECEIVED FROM XXXX XXXX HEAD OFFICE READ IF SHE BROUGHT {$200.00} AND PAY IT ON THAT CREDIT CARD IT WOULD CLEAR THE WHOLE, SO LADY TOOK {$200.00}, FOR YEARS WE TRY TO FIX THIS ERROR BY XXXX XXXX, THEY DID NOT HAVE ANY PROBLEM TAKING HER {$200.00}, SO OVER YEARS WE HAVE BEEN HARASS BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA,XXXX, REF ACCOUNT # XXXX, IT A SAME THAT XXXX XXXX DOES THIS. 
THANK YOU XXXX BLESS XXXX XXXX XXXX XXXX, WV,XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602A. 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 or 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately.
Product: Credit card

I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late remarks are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with Experian, XXXX   and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX  and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
Product: Mortgage

My Husband XXXX XXXX has a mobile home loan with Green Tree which we paid the principal balance off back in XXXX. Green Tree is refusing to release the title because they say they have added insurance to the account even though we have provided proof of insurance to them. They are charging us interest on something even though we have statements that show a XXXX principal balance. We have been dealing with this issue since early XXXX and have faxed document after document showing we had insurance during the dates they are trying to charge us for. In the mean time they are harrassing us by telephone daily for the money and have stated they will no release the title until we pay the insurance. We have proof of insurance. We are paying fees to keep the mobile home in place due to the fact the purchaser who bought it from us ca n't move it until we have a mobile home title. It is a racket. You should n't be able to assess insurance on a property that already has insurance on it and then expect people to pay for it and not refund them. We have had this happen XXXX other times with Greentree. Our balance is paid in full and we want our title.
Product: Debt collection

Fbcs, a debt collector, is making repeated, daily calls to my cell. I have advised them that my number is on the DNC Registry and they still persist even after I said I would report them. The calls are daily and from multiple phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Experian, XXXX and XXXX to update my personal information over and over.
Product: Checking or savings account

I was scammed and the scam was able to access my bank account through a phone scam and emptied my account as soon as I realized what had happened I reached out to my bank filed a claim, gave them all the details I had including phone number used by the scam to contact me also filed a police report they told me to wait for an answer about 45 days there was nothing else to do and when I received the letter from them was completely in shock it was like they did not consider any thing told them about what happened or Amy information. Their response was cold blunt blunt and insinuating that I caused the problem the ladder was unprofessional they simply told me they would unfortunately not be refunding my money they turn down the tell me they followed instructions given by me ( which is not true ) saying therefore there was no error and if I wanted to proceed further I should contact the person Ive sent the money to which was absurd I have no idea who the scammer was or anything about the money except I need the money desperately that he took from me. I am XXXX XXXX  living on one single income for XXXX and the money he took was my income for the month For bills and groceries.
Product: Credit card or prepaid card

I enrolled in Amazon 's offer to receive a {$150.00} credit if I got a Chase Freedom card. 
After using most, if not all the {$150.00} free purchase I tried to create an online Chase account but found it was beyond my ability due to numerous error messages, locked screens, etc., so I initiated a series of messages to both Amazon and Chase in XXXX to determine how to pay my bill. 
Failing to resolve this problem I canceled my Chase Card and returned most of what was returnable to Amazon. 
My wife called Chase to get a closing balance and was told " Your account is closed with {$0.00} balance '' but today we received a bill for {$110.00} including a late fee of {$28.00}. 
I was on the phone with Chase today and after being redirected ( spoke to XXXX, XXXX, and finally to another person before I was disconnected ). Of course, that was the final straw that prompted this complaint. 
I am XXXX and my wife of XXXX years is XXXX, I've had triple XXXX XXXX XXXX and a XXXX, not looking for pity but am trying to avoid another XXXX XXXX. 
We're not " deadbeats '' and have a credit rating of XXXX according to XXXX XXXX
Product: Vehicle loan or lease

I paid off my lease and bought the car. Hyundai sent me the title but DID NOT send me a SIGNED Odometer report, so the DMV will not allow me to transferthe title.

I called customer service at least 10 times in the past month, escalated the issue to the supervisor line, talked with several supervisors and they all say their system is down and so they can not request the document for me. I keep on calling and no one will help, and meanwhile I can not transfer the title to my name. 
They also sent me other documents without signature ( like the CDTFA ), and I am also trying to get those corrected but I am encountering the same resistance and non cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX, ( Original Creditor : ) XXXX,
Product: Credit reporting or other personal consumer reports

I sent in a dispute to have social security corrected and have two incorrect collections accounts ( both XXXX XXXX  ) removed from my credit report. The initial dispute was filed on XX/XX/2023 with supporting documents of social security card and Virginia issued Driver 's License. Equifax responded with a stall letter on XX/XX/2023 stating that they required the supporting documents that were already provided. On XX/XX/2023 I called Equifax stating the information requested was previously provided. The Equifax employee on the phone confirmed my correct social security number and after several minutes of debate realized the social and accounts on my report was incorrect. The employee assured me that everything would be corrected and I would receive an e-mail in a weeks time. Instead of correcting the issue, Equifax provided another stall letter on XX/XX/2023 stating they required the previously provided supporting documents. This issue has become detrimental and provided many inconveniences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously submitted a complaint regarding their continued reporting unvalidated and fraudulent accounts as well as unauthorized and illegal inquiries. They said they would take it seriously in response to that complaint but are still doing the same thing and not correcting the problems as promised. I have sent numerous letters to the company stating and proving that the information they are reporting and verifying is unverifiable erroneous and incorrect. Likewise, they continue to report hard inquiries on my record that are inaccurate are unauthorized and that have no permissible purpose. This is causing me extreme diress, stress and financial damages. I am ill an have a life threatening condition that requires expensive treatments and costs including XXXX and needing a XXXX XXXX. Thier continuing to report erroneous information is affecting my credit score and ability to get the assistance i need to help cover my medical costs, take care of my family and get the necessary transportation I know need as an XXXX. I have informed them that the remain8ng accounts reported as referenved have failed to provide validation as requested under the FCRA and have admitted they have no signed contracts or authorizations and are unable to validate with documentation as decided in case law. I have also informed them of the responses to the CFPB complaints where they admit they do not have the necessary documentation.
Product: Mortgage

Specialized Loan Services took over my account from XXXX XXXX XXXX XX/XX/XXXX and to date i have not had XXXX payment or interaction that i could call positive. The latest incident is that since XX/XX/XXXX SLS is cashing my payments but not posting any of them to my account. I have called to have a " miscellaneous fee '' of {$110.00} explained. They would not send further documentation and the phone representative said they can not provide or explain. In the last two months i have made the following payments but the value of my loan is rising rather than decreasing. 
XX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XX/XX/XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : {$370.00} ( Pending - on hold until payments post ) TOTAL PAYMENTS MADE : $ XXXXIs this legal?
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # 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 husband refinanced our home & property with Prosperity Bank - it is handled out of their XXXX, Texas office. During the refinance process, I was left off the paperwork - therefore I have no responsibility or authority with any aspect of this loan. 

Three years ago, we fell into financial problems & were behind on the mortgage, but it was caught-up & has been current for over 18 months - close to 2 years. 

Based on paydays, the loan is paid on the XXXX of every month & Prosperity has been aware of this for 2 years - nothing has changed. However, there is a gentleman with the bank, XXXX XXXX, who calls ME every month - sometimes up to 3 times a day. He has my husband 's phone number as a contact & I was added as an emergency contact only. 

I can not get any information about the loan, I can not make any arrangements ( if it were necessary ), I have literally zero ability to handle any aspect of this loan or the property, because I am not on the loan. But ... every month, I will start receiving harassing phone calls about the loan. Every month, XXXX XXXX is told the same thing : the loan will be paid on or before the XXXX & do not call me again. He has been told this for at least 2 years - but he still calls & harasses me every month. 

My husband no longer lives with me & travels 100 % of the time. Again, because of the refinance, I have no authority over the loan or the property. XXXX XXXX is very aware of this because he has refused to provide me with information about the loan in the past. 

Every month I tell him to stop calling me, as this is not my loan - not my mortgage - not my account, but he never stops. Last month he called me 3 times in one day, on both my home & cell phones. He 's started the harassing again today for the XXXX payment. 

I know that the mortgage is current & all late fees are paid each month. There is no reason for this man to continue calling & harassing me every month. This is not my loan or my responsibility.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a formal dispute to Experian regarding inaccuracies present on my credit report. The inaccuracies in question pertain to the following : XXXX XXXX XXXX  Account XXXX I requested that Experian furnish the method in which the debt was validated and provide documents that bear my signature in regards to this account. I attached an FTC report along with my dispute. 

I received written correspondence from my Experian specialist on XX/XX/2023 and I quote the following message directly from Experian DISPUTED ITEM NOT LISTED ON CREDIT REPORT Please see attached proof that Experian provided written confirmation to me that the account in question XXXX XXXX XXXX Account XXXX is not listed on my credit report. 

Please see below for communication directly from Experian : Report Number XXXX Date Generated XX/XX/2023 XXXX XXXX XXXX  Account XXXX Under important information about your dispute results Messages from your Experian specialist : DISPUTED ITEM NOT LISTED ON CREDIT REPORT I DO NOT recognize how this account is reporting on my credit report I DO NOT recognize the account number I DO NOT recognize the account status I DO NOT recognize the account high balance NOR do I recognize the late payments associated with it Everything reported here does not meet the FCRA XXXX 

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. 

The debt collector and Experian has failed to respond to my requests for information about the debt, and as a result, I presume that the debt is invalid and I am requesting for it to immediately be removed from my credit report please.