23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 U.S.C 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- @ ( 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: Prepaid card

I received a {$200.00} prepaid American Express gift card for XXXX in XX/XX/2023. I began using it this month, and my first purchase on XXXX went through. Every other purchase has been declined, and calling the customer service hotline says that I need to complete transactions with the XXXX digit security code. I have been and no transactions have gone through since then. Customer service has been no help to me and I feel as though this gift card has scammed me.
Product: Mortgage

Reply to Case # XXXX Receiving smoke in the mirror replies from Wells Fargo, still no reply to my original concern, my credit not being suppressed per our contract. 

Updated documentation has been furnished through CFPB as evidence that credit report still shows XXXX overdue. I have attached for the second time. It is my intent is to take Wells Fargo to file a lawsuit and sue Wells Fargo if my credit is not fixed as contracted. 

A full media package is ready to launch on this and all previously discussed topics if the above is not addressed swiftly and professionally. Below is a sample and only the beginning of my reach : https : XXXX
Product: Credit card or prepaid card

During Covid I was unable to make 6 payments. I then paid the card current plus XXXX  under the limit. I had never been late or over the limit before Covid. They closed my account. I went on chat with a rep that after reviewing my account said no problem they would reopen the account, I just needed to verify it was me so I needed to call. The rep on the phone said it could not be reopened because I had been late 3 times in a year. I then got back on chat and the rep said to call back and talk to a manager. The manager told me again I could not reopen the account. I then responded to the chat that the manager would not do it. At this time the rep on chat say 's I can't reopen the account because I was late 3 times in a year.
Product: Prepaid card

I am writing to bring to your attention an issue I am facing with a {$500.00} XXXX gift card purchased through PayPal XXXX in XX/XX/XXXX. Despite assurances that the card would never expire and would be digitally available, I recently found out that I can no longer access the card details because XXXX discontinued their gift card program without prior notification. 
Details : Date of Purchase : XX/XX/XXXX Amount Paid : Approximately {$450.00} Gift Card Value : {$500.00} Promised Expiration : Never Digital Availability : The card was supposed to be digitally available. 
Issue Discovered : Late XXXX Customer Service Response : PayPal XXXX stated they no longer support Gift Card Deals and can not assist in retrieving my gift card details. 
Program Discontinuation : XXXX discontinued their gift card program almost a year after I purchased the card, making it too late for me to contact my credit card company for a dispute. 
This situation appears to violate the federal Credit CARD Act of 2009, which requires that gift cards must not expire within five years of purchase. Despite my efforts to resolve this issue directly with XXXX and PayPal, I have not received a satisfactory resolution. 
I request your office 's assistance in investigating this matter and helping to recover the value of the gift card, as well as ensuring that other consumers are protected from similar issues. 
Thank you for your attention to this matter. 
Sincerely, XXXX
Product: Debt collection

Southwest Credit System # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$820.00} XXXX : XXXX -- -> : {$550.00} XXXX : XXXX -- -> : {$460.00}
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received two unblocked calls from Phoenix Financial Services. I also received several blocked calls on the same day. I dont get that many phone calls in a day and it is strange to have 5 blocked calls in one day. When I called they were looking for a debt from someone else I started to tell them it wasn't me and they hung up on me. I have a screen shoot of the phone calls. The phone number they called from was XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Auto Account with Ally Bank. I, XXXX XXXX co-signed with my husband XXXX XXXX for a XXXX XXXX XXXX. I received a notification back in summer of XXXX that Ally Bank claimed that I missed XXXX 's payment. I did not miss this payment. I called 3 different times and each Ally employee assured me it was a mistake and they do not see a missed payment on their end. Well it is still showing up on my credit report and on my husband 's credit report. I have disputed it myself online with the Credit Bureau 's and nothing! I have sent several dispute letters and still not updated. On different reports it will either show XXXX or XXXX as a missed payment between my credit report or my husband 's. Below is  my bank statement showing both XXXX and XXXX 's payments were made on time which is due on the XXXX each month.
Product: Credit card

JPMorgan sent my credit card to XXXXXXXX XXXX XXXX, some sort of law firm, and now XXXX of their reps knocked on my door, threatened to be " back in a week to knock on my door '' if I don't pay the full amount. I called them many times over the phone but I they never pick up. Now my suspicion is they are trying to make it seem like I don't respond to their request when in fact its them that don't pick up calls and won't work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate and inconsistent! I forgot to also mention in the original letter as to how they are reporting XXXX XXXX  monthly payment on a closed and charged off account???? How is that possible?? Furthermore, how is this company also reporting that there were on-time payments made AFTER the account was charged off??? I have attached an amended version of the original letter to this dispute. There are more inaccuracies, however, according to federal law, my credit report to be XXXX XXXX accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether it is verified or not ; it has become a compliance issue ; which XXXX XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my XXXX  and XXXX  XXXX. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies that this company is reporting, -which has been like this for a long time, yet, XXXX XXXX XXXX XXXX to falsely verify as accurate. This has to stop at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX XXXX XXXX, XXXX and DeptofEd/XXXX. I have reached out to the FTC and my local police department.
Product: Credit reporting

Experian is ignoring my many requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit card

I previously disputed a credit card bill from FNBO credit card issued to my now deceased husband, and file a CFPB complaint XXXX. FNBO response references a XXXX XXXX XXXXXXXX Credit Card Account, and refers to a letter dated XXXX XXXX, 2023 which states " A third party verification service reviewed the application and provided us with information indicating you completed the application ''. 

I have requested clarification regarding the XXXX XXXX XXXXXXXX Credit Card Account and copies of the third party verification and the application reference. I further asked for clarification of the distinction between joint ownership and primary cardholder As I explained my now deceased husband applied for the FNBO Credit card before we were married. I never applied to be included on the account and I never used the Credit card.
Product: Mortgage

On XX/XX/XXXX Mr. Cooper was put on notice to dispute the amount that's due on the mortgage. My mortgage was purchased from another company XXXX XXXX in XXXX without my knowledge or personal consent. Everything Mr. Cooper sent corresponding to my dispute has been frivolous on their end as well as negligent. Mr. Cooper was also put on notice this past year for their reputation of deceptive practices which I've reported before. XX/XX/XXXX XXXX XXXX  sent its agents to my personal domain and took pictures of my domicile without my knowledge or consent. Cease and Desist was sent as well as a summons. I have tried rectifying this matter on several occasions with no solutions. Everything Mr. Cooper send to my domicile is a violation of my rights and they should be held responsible for their tyranny and abuse to its consumers. I've asked for clarity on the terms on business. All is confusing. Mr. Cooper has threatened to foreclose on my domicile with disregard to my position as a consumer.
Product: Credit reporting or other personal consumer reports

Hi I'm XXXX XXXX XXXX, I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$760.00} CXXXX XXXX  Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with transunion expressing that i am unaware of this account that is reporting by this credit reporting agency and they have not properly done an investigation because the account is still reflecting and negatively impacting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in  XXXX   2017 ,  Freedom Mortgage increased my escrow/insurance amount by {$25.00} a month and did not adequately notify me. As I was not well informed, I continued to send a $  XXXX  monthly payment as normal. I thought all was well as the payment checks cleared my bank ( see attachments ). I received a notice of late payments and credit score c hange from  XXXX  at the end of  XXXX   2017 . Upon investigation, evidently, because the extra {$25.00} per month was not included in my pa yments, Freedom Mort gage moved my payments into a " non interest savings account '' and did not apply any of the payments to my loan. As you can see on the attached documentation, all payments were made on time and as agreed upon. In  XXXX , I contact ed Freedom Mortga ge and talked with a representative who instructed me to pay an additional {$110.00} to resolve the issue. In  XXXX , I received an other notice from Freedom Mortgage stating my payments were still not accurate. After speaking with three representatives and a supervisor from Freedom Mortgage, I finally have the payments correct as I have now learned of the escrow increase. I filed a dispute with  XXXX  over my credit score as  it has now dropped over  XXXX  points.   Freedom has denied all my requests and have denied any credit review or withdrawal of two 30 day late notices.
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I feel I was inadequately notified of the escrow increase and unfairly reported to the credit bureau as I was making payments on time and the amount agreed upon. I do not feel Freedom Mortgage has the right to withhold an entire payment as they have, causing me to be 30 days late for two months and ruining my credit score. I am a model consumer and pay all my bills on time. I feel this is a very unethical practice by Freedom Mortgage. I have researched several websites and have found several other people have reported Freedom Mortg  age as well and have had no resolve. It is my hope that there will be actions taken to protect good consumers such as myself.
Product: Debt collection

Ive contacted ENHACED RECOVERY CO. on several occasions in an attempt to get them to VALIDATE the debt claimed. I have yet to receive any response or update of a deletion to my consumer report. ENHANCED RECOVERY CO. is therefor in violation of many laws under Fair Debt Collection Practice Act. 15 USC 1692g " failure to properly validate debt '', 15 USC 1692f " Unfair Practices '', 15 USC 1681b ( a ) ( 2 ), ENHANCED RECOVERY CO. did not have permissible purpose nor written instruction.
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts on my credit report Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Will you please delete all of these fraudulent accounts thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card is reflecting negatively under my credit files. this account and balance do not belong to me. I have sent in a police affidavit report and additional documentation and this should not be appearing on at of my credit files. XXXX XXXX XXXX was also sent this information and advised they would have it removed as well. I have requested the three main credit bureaus remove this account but they have not and have not complied with he allowable dispute period and or notified me of the results and it is over the allowable time frame. I have sent in numerosus disputes on this. this has not been handled
Product: Bank account or service

I have returned merchandise to a merchant who credited my bank card on XXXX. I 've checked my Bank of America account and the credit does not appear on my account on XXXX. This delay may cause an overdraft. I have noticed that it takes 48-72 hours for a credits to appear on my Bank of America account. Is there a time limit for banks to process credits? How is it that a purchase is immediately removed from my account, yet it takes longer for credits? Thank you for looking into this.
Product: Money transfer, virtual currency, or money service

I have only ever used Venmo one time in XX/XX/2021. I paid my friend XXXX back for Thai food. I tried to use Venmo last year to send my sister money but found my account was suspended for violation of their acceptable use policy. I've been unable to load their acceptable use policy on any device, but I can't imagine I broke any rules. My only transaction was paid without issues. They refused to unsuspend my account last year, claiming I was in violation. I'm trying again but can't understand how I'm even supposed to get my account cleared. There are no instructions anywhere. I sent a generic help request for lack of a better path.
Product: Vehicle loan or lease

Financed a XXXX XXXX XXXX through mountain America credit union in XXXX of XXXX. We have not received a title yet. They said that they had lost the title. We have been sent not once but twice documents to file a lost title and get a new one. They lost the first set of paper work that we sent and received the second set. We have called over 20 times to see where our title is and how to get one. They say they are going to call back and never do. I am sick of paying on something I dont even have a title for, or even legally drive.
Product: Credit reporting or other personal consumer reports

So there is a XXXX credit card in collections or as a charge-off on my credit report and it has been there since around the time of my divorce in XXXX. My ex-husband ran a few of my credit cards up I paid them all down they were always automatically put into my checking accounts so they I just paid you know monthly whatever got the first bills before my divorce was finalized before he messed with all of my mailings put the credit card numbers into my bank and just was paying all of my bills. I have records of making payments to XXXX card and the amounts that is on this bill which is like {$3000.00} I think I paid them a little bit more than that might have been a little bit less but around the same amount that's due and I kept wondering why the it was never going down so I contacted them a couple years ago and I was trying to buy a house so it was probably in XXXX. And they said that I had to send in proof that I had made payments so I went to my bank I had gotten all the information from the bank all the payments that went out to XXXX  card sent that to them and they told me that those payments went towards another account that it was not my accounts and they could not discuss that information with me. I said well this is the account number that you gave me on a bill before my husband messed with the mail and then all of my mail got redirected and then I never got another correspondence from you I said this is the account I've been paying on so I paid somebody's {$3000.00} bill you didn't notify me you didn't like anything like that so I've paid them the money I've asked them I beg them to take it off of my credit report it is holding me back from being able to purchase a house because they say my debt to income ratio is too high I want it deleted I have proven to them that I made payments through XXXX XXXX  XXXX to XXXX in the amount of the {$3000.00} that is owed to XXXX I paid them they applied it to somebody else 's credit card and will not discuss that information with me it is a charge off anyhow and it's been on my account for many years I would like it removed I have contacted the governor 's office of New Jersey and he gave me this information and asked me to Lodge a formal complaint through your agency
Product: Checking or savings account

WHAT HAPPENED : Bank of America put a XXXX business day XXXXday hold on a check when my funds were low claiming suspicious activity on the issuer, an XXXX XXXX Company banking with XXXX XXXX Bank . 

MY MAIN CONCERN : I have deposited multiple checks from this company in the past with Bank of America ; this is the first time they have suspicions of the issuer. In the past, I have near always had XXXX in checking at the time of depositing the aforementioned checks from this issuer ( according to bank XXXX total ). This time I had {$40.00} - and pending charges I was assuming this check ( {$1700.00} ) would cover, in holding this check they have charged my account {$70.00} in overdraft charges. 

BANK OF AMERICAS RESPONSE : In calling I was told XXXX  days into the hold that the money would be available the next day after XXXX pm, that was yesterday and still no money. I did call to complain about the overdrafts and was told there would be a removal of the overdraft fee and that I would not be responsible for any further overdraft charges during check hold ; however, I just received yet another charge. 

Bank of America keeps you on hold for XXXX minutes each time I called to resolve these charges, they are difficult to work with and I can not help but think they profiled my account before holding this check as it would result in multiple overdraft charges.