23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Bankruptcy and included my XXXX XXXX XXXX credit card. The debt was discharged but XXXX   XXXX XXXX sold the debt to XXXX XXXX XXXX. I have provided both companies with proof of my discharge and their debt and XXXX XXXX XXXX  is listed as a discharged by the U.S bankruptcy court, but they refused to remove it and are constantly trying to collect a debt that has been discharged.  that's illegal -- I have included proof that my bankruptcy was discharged and XXXX XXXX XXXX is listed in the paperwork **XXXX XXXX XXXX is showing collection charge off, but they were paid. I have included proof to show my balance was paid
Product: Consumer Loan

Regional Acceptance Corporation in XXXX Ga is the worst I do not want to include my name because they may continue to harass me. But that Supervisor XXXX XXXX is horrible she does not know how to talk to customers and I hate that I asked for a supervisor. She is nasty, rude, and very unprofessional and I do not know who hired her she is nasty. I have spoken to her maybe twice at the end of the month and she told me one time that well maybe you ca n't afford the vehicle and it 's an affordability issue. Life happens and things happen and I know that I took out this loan but for her to talk over me while I was trying to explain what was going on and she just cut me off so disrespectful. I told the young lady that I was talking to not to transfer me to her, but she insisted. They can just come get the car if she has to be that rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed with this company 3 times in the past, on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Every attempt to fix this situation has gone undone. This company keeps sending back results stating " verified '' yet its still inaacuries that appear month after month after month. This company is in violation of 15 USC 1681i ( 5 ) ( A ). I asked that this company remove the following accounts from my file immediately. See attached Evidence
Product: Money transfer, virtual currency, or money service

I've been using PayPal to invest in XXXX, namely XXXX and XXXX. My investments are currently around {$7000.00} in XXXX and {$3000.00} cash. On XX/XX/XXXX I added the {$3000.00} cash to my PayPal from my bank account, and my account was promptly frozen. They asked me for documentation which I provided. Days later I got an e-mail saying I am permanently blocked from using PayPal and I can not access my {$10000.00}!!!!!! Please help me, I did absolutely, positively nothing wrong and I feel that I am being scammed out of a large part of my life savings. Doing some research online I found troubling stories from thousands of other people, going through the same problem. There have even been 3 class action lawsuits against PayPal for this exact reason. It seems that PayPal does not care that they are holding people 's life savings away from them for no reason whatsoever. They need to be punished for the people they have hurt! To see the thousands of horror stories one needs only XXXX search " paypal permanently limited 180 days ''
Product: Debt collection

Jefferson capital systems as of XX/XX/year> tried to get {$860.00}. On my credit report from account that has been settled for XXXX $ which I pd but wasnt given a confirmation number on. Last year settlement offer completed by me for this bill XXXX XXXX telephone bill They just put on credit report as derogatory statement. Please help me get this off my credit report
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been trying to months now to get a response from Comenity Bank on their internal process for freezing my accounts because they placed a " cease and desist '' on my account after I request they not text me about an account. I never once told them they could not call me, yet they continue to refuse to answer questions or respond to correspondence requesting additional information.
Product: Prepaid card

I was recently given XXXX Visa gift cards in the amount of {$500.00} each, sold under the Vanilla brand. I attempted to use my cards in a store to make a purchase and both cards declined. I checked the balances and they were correct, and the card was active. 
I called customer service and spoke to an agent and a supervisor named XXXX, and was told to " try at another store '', as " for security purposes '' they block particular retailers ( not specific purchases ). I was attempting to use this card at XXXX and XXXX a reputable company, and the cards were physically present ( this was not an online transaction ). Customer service refused to elaborate on where I could use this card other than to say " try somewhere else ''. To me, this obsession with stopping fraud has become a scam. Vanilla took the money that was used to purchase the card, and refuses to honor the usage of said card. The company does not disclose what retailers or types of retailers are blocked. They refuse to point to any terms and conditions that state restrictions on usage. Vanilla is essentially stealing consumer 's hard earned money at the time the gift card is purchased by not letting the recipients use their cards. This is a racket and a scam.
Product: Debt collection

I have been complaining for a year to XXXX, XXXX that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. XXXX wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called Cavalry. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or  was, but I will not pay a debt I did not incur.
Product: Checking or savings account

I opened a UTMA Account for my minor daughter, she is XXXX. Since the opening of the account in XX/XX/2019, Citizens Bank has been holding deposits, reordering transactions, allowing small debit card purchases ( under {$25.00} ) to default the account so that they can charge {$35.00} on that nominal amount that had fallen into negative due to the banks reordering of transactions. To date, I have over {$1500.00} in overdraft charges and Sustained over draft fees. This bank is the most difficult to work with, I have made numerous calls to customer service ( at least ten ) regarding this issue of default ( which is comprised of ONLY fee 's by Citizens ). I  refuse to put another deposit into this account until they remove their exorbitant and fraudulent fees, They have already taken the last there deposits I put into the account for over {$400.00} to only put the account into further sustained overdrafts. This is a minor 's account and my daughter has been heartsick with losing her hard earned savings that was deposited into the account and then applied, every dime, to the overdraft fees. As a educated consumer I know what to look for with banks but this is robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 asked and sent letters to XXXX about an account that was open under my name and they failed to remove the account and late payments being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several request to have the FRAUD ALERT on my credit file REMOVED. 
To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. 
I do not wish this fraud alert maintained on my credit file. Please remove it immediately. 
To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. 
Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done.

I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above.

In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. 

Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs. 

Thank you in advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a loan by XXXX for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have XXXX correct the payments as well as dispute the erroneous information with the 3 credit bureaus. XXXX has not made any attempts to correct this and " validated '' the late payments although they were made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been calling and calling these credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft.. Non of these accounts are related to any transaction done by myself. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below along with my driver license
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Mortgage

Mine and my husbands mortgage has been sold a few times in a couple of years. We have been trying to refinance for a few years now. We were with XXXX XXXX Loans until XXXX 2015 when they sold our mortgage to SPS Select Portfolio Servicing and that is when the trouble started. When we were with XXXX we fell behind a month and we were trying to get it paid back but because my husband lost some income and a few unforeseen bills we were unable to catch it up. When SPS took over our mortgage we had explained the issues we were having but they did not care did not want to hear about it. I tried to go thru a hardship with them but when XXXX of the people there started telling me what documents they needed I started to ask questions. She then said they needed a copy of our bank statement and I said to verify our income right and she said " NO WE NEED TO SEE WHERE YOUR MONEY IS GOING TO ''. I said that where our money goes is really none of their business she said well we need it. I would not send them anything after that. In the middle of XXXX I called SPS to try to make arrangements for the Payment for XXXX which I did set up and the person I was speaking with said that if I made a half of the payment we were behind they would put it aside in our account until we could make the XXXX then we would be caught up. A couple of weeks after that I received a letter from SPS saying that we were three XXXX XXXX ) payments behind and they were going to forclose on us. I called them and the gentleman I spoke to said that they did not receive a payment for XXXX when I ask why I was just now hearing about it he really had no answer now where they are coming up with three payments I have NO idea. We knew we were behind XXXX ( XXXX ) payment but where they came up with XXXX we do not know. We were told to contact you to see if you could handle this for us. We have been trying to do a refi on our house for a couple of years now we do n't qualify for harp because we are upside down. We are paying 8.5 % interest and no one wants to help us. I think SPS is trying to just take our home. We are a family of XXXX our XXXX daughter is XXXX and lives at home with us and I do n't know what I would do with her if we lost our home. I was told that XXXX XXXX Loans sold our mortgage because they were afraid that they were going to get in trouble for being a Predatory Lender. Please help. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A PUBLIC RECORD ON MY REPORTING THAT SAYS I FILED CHAPTER XXXX BANKRUPTCY AND CHALLENGED IT AND IT CAME BACK VERIFIED. INFORMATION FOUND FROM THIRD PARTIES CAN ALSO BE INCORRECT AND I HAVE NOT FILED FOR BANKRUPTCY. IT IS PLENTY OF PEOPLE NAMES ASSOCIATED WITH THE SAME NAME AS ME AND THIS IS A MISTAKE ON THE CREDIT BUREAU PART AND NEED TO BE DELETED. I HAVE CALLED THE RECORDS CLERK LISTED ON MY CREDIT REPORT AND THEY SAID THEY HAVE NO KNOWLEDGE OF ME EVER COMING INTO THERE OFFICE AND THE INACCURATE INFORMATION NEEDED TO BE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

# I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all  this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint in regards to the recent Equifax security breach -- according to the Equifax impact inquiry site ( XXXX XXXX XXXX ), checking my information indicates a strong likelihood that I was impacted and that my information was compromised. 

Equifax did NOT contact me about their security breach, and took no measures to alert me about my information being compromised, despite having it on their record and having access to my contact information. Issuing a national press release is not an acceptable substitution.
Product: Credit card or prepaid card

In Accordance with the Fair Credit reporting Act Destiny Account # XXXX XXXX XXXX XXXXhas 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 : II also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 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 date. Equifax 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
Product: Checking or savings account

I received multiple emails confirming a account was opened under my information with Bank Of America. I did not apply for an account. Ive contacted the bank and informed them of the issue
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently XXXX inaccurate transactional entries on each credit report with Transunion, XXXX, and XXXX. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer report.
Product: Credit card or prepaid card

Sir/Madam : I am writing to you to resolve an ongoing issue with my XXXX XXXX Prepaid card XXXX XXXX XXXX XXXX. The name on the card is XXXX XXXX. I have been trying FOR WEEKS to get one of their appalling customer service reps to get this taken care of, to no avail. 

Explanation : My son and I had a web company called XXXX XXXX. We owned a number of domains, including XXXX   and XXXX. I retired and my son continued to run the company until he closed it a couple of years ago, but as far as I knew we retained the domains, which I used as my email addresses : XXXX and XXXX. A short while ago I realized that I wasnt getting any email addressed to those domains. It turned out he had sold them without telling me, not realizing I still used them. This caused me the current nightmare : I used them for all sorts of logins ; banks, XXXX etc, including XXXX. I have been trying to sort it out since. 

On XX/XX/XXXX a customer service rep of theirs helped to close them and use a new one at XXXX. However, I realized after we hung up that I couldnt get into my prepaid card account because it used the XXXX login to access it and she hadnt noticed it ( on the assumption she could see that information ). I have tried to get another of their reps to fix it - just allow me to use the card and Ill spend the {$60.00} on it and close the account. As far as I knew that was fine, I was going to do that onXXXX  XXXX, until that is, I got an email telling me the card was suspended for some reason. I called XXXX and spoke to a XXXX, who seemed unable to access any of the details of the previous conversations. It's a classic case of the left hand not knowing what the right hand is doing. I have now made 6!  international phone calls, sometimes being on hold for 45 min at a time. 

This is absurd! I probably spent more in phone calls from the XXXX, where I am at present, than there is on the card! There is nothing wrong here, all I need is someone in this dreadful company with some way of seeing the global picture to unlock the card, let me know and Ill go to XXXX and buy a gift card for my granddaughter with it and be done ; which is what THEIR REP told me to do on XX/XX/XXXX! Thats all I want. Using this card has been a farce, as soon as I use it in the XXXX theres a problem. Excuse me for using the card in a globalized world. 

Should anyone wish to call me my XXXX number is XXXX XXXX XXXX, but a simple email telling me the card can be used on XXXX with be fine, and I will bother them no more, I promise as XXXX is my judge. 

Yours truly, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i have a fraudulent accounts on my report, please remove these fraudulent accounts, they are hurting my ability to obtain credit