23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Hi- I have 25 (!! ) American Express gift cards with balances ranging from {$50.00} - {$500.00}. These are handed out at my place of work. In the past I have used them on XXXX or at restaurants, but now they do not work anywhere. I've even tried to buy gift cards on other websites, but every transaction fails. Everyone at my office is having the same issues, and based on a XXXXXXXX XXXX, the CFPB appears to be the only option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : JPMCB account : XXXX In accordance with the fair credit reporting act XXXX XXXX, Has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with JPMCB has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. As it has been remove from 2 bureaus but it still negatively affecting my report on XXXX. 
They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I verify that these inquiries are not mine, nor do i recognize them. I demand that they be deleted and removed. 

Inquiry Source : XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX Business Type : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Inquiry Source : XXXX Inquiry Date : XX/XX/2023 Name : MicroBilt Business Type : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute about my Wells Fargo loan because they are closed and 7yrs have passed. When I recieved an update from XXXX  I found that they re opened a closed account without any notice, which dropped my credit score 19points. The drophas ruined the chances of getting transportation to work. Please reverse what was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2020, National Credit Systems, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, National Credit Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Credit card or prepaid card

On XXXX, I received an email stating that my Citi Simplicity card will not be renewed based on another Citi card that I keep disputing. This feels very unfair and it is very last minute. My card expires in 2 weeks and I've always paid on time and early. I only use this card for veterinarian purposes.
Product: Vehicle loan or lease

I am writing this response as an update to my previous complaint filed regarding a dealership inflating my income by providing false information to Santander which is a violation of fair lending as it related to the origination of my account. In Santander 's previous response, they provided me a copy of the application used to support the origination. 
On XX/XX/2018, the monthly income the dealership stated on the application was {$3700.00} per month. Please see attached for my paystub showcasing a YTD income of {$11000.00} which would be equivalent to roughly {$1600.00}. This proves that I was a victim of income fraud which placed me in a vehicle I was not able to afford. 
It is the responsibility of the finance company to ensure and validate by review of the proof of income. Their lack of verification of my paystubs resulted in this predatory lending. As of today, Santander has secured their collateral. I am asking again for the deficiency balance to be waived and the trade line deleted from all three credit reporting agencies. 
Thank you for this consideration.
Product: Credit card or prepaid card

This is the 2nd complaint that I've filed against this company for the same issue. 

I have promotional balances with expiration dates. # 1 They never apply the payments there. I have to call and ask them to manually move payments, which is not right because they will charge me the full interest on the original purchase amount if it's not paid off by the date. 

For the past two months I have called and asked for allocations of my payments. Each time I was told that my remaining balance for the promotion ending XX/XX/2019 would be {$110.00}. I paid {$110.00}. But, the promotional balance is still showing as {$50.00}. 

When I called today to speak to a supervisor about it, I spoke with XXXX. She advised that twice the customer service agents gave me the wrong amount, but there was nothing they could do about it. 

Care Credit is for medical/dental/veterinarian services and I feel like this company tries real hard to charge people as much interest as possible. It is truly a labor on the part of the consumer to make sure that Care Credit doesn't rip them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Comenity Bank a certified letter that was delivered XX/XX/XXXX. ( Copy of letter uploaded ). It was a " letter of inquiry '' about Comenity Bank 's policies and procedures for reporting on credit reports for sold accounts. I sent supporting documents on past reporting of my sold accounts and asked Comenity Bank if they could answer some questions I had about their " past reporting ''. 
I stated multiple times within the letter this was NOT A DISPUTE. I stated my old accounts with them were reporting CORRECTLY since XX/XX/XXXX, I just wanted to get some information on their procedures and " past '' actions. I also stated I did NOT give them permission to access my credit reports. I did not want them altering any current information. Comenity Bank sold all my accounts to XXXX XXXX and stated XXXX was my " new creditor '', meaning they no longer had a business relationship with me or permissible purpose to access my credit reports. Instead of answering my letter in writing, Comenity Bank knowingly and willingly inserted erroneous dispute remarks with the 3 major credit reporting agencies XXXX, XXXX and XXXX. I never filed a dispute with the CRA 's for these accounts nor did I " dispute '' them with Comenity Bank. 
I was alerted to these disputes when I received 7 emails from EQUIFAX on XX/XX/XXXX. ( 1 example uploaded ). The emails state Comenity inserted a dispute remark saying " CONSUMER '' disputes, and multiple other changes. I then checked XXXX  and XXXX  XXXX Example of XXXX  dispute remark uploaded ) and saw the same dispute remarks, other changes and the addition of a " duplicate '' Victoria 's Secret account on my XXXX report. ( Copy of both XXXX  Victoria 's Secret accounts that are reporting uploaded ). The duplicate account also has a different account number and different closing date. 
This situation is not only in violation of the FCRA, but has caused me emotional distress, because it has possibly compromised my character and credibility with the Credit Reporting Agencies for future disputes. I would never dispute multiple accurately reporting accounts. This situation has also jeopardized my current chances of having my mortgage loan application approved. Comenity Bank has every right not to respond to a letter of inquiry from consumers but has no right to falsely report information to the Credit Reporting Agencies jeopardizing Consumers reputations.
Product: Debt or credit management

I started with XXXX XXXX on XXXX and they took {$2300.00} in administrative fees from XXXX through XXXX, but they never contacted any of my credit card companies. Even when I sent them the statements and notices from them. Then when they set me up with XXXX for the loan I began paying more ( in the amount of {$400.00} per month ) they still did nothing. When I called then they proceeded to tell me that they can not find my account. Now I am being sued by one of the Credit Card companies!
Product: Debt collection

Found the debt on my credit report. I have tried to reach the collecting agency Armada Corp phone number XXXX. I tried to contact the XXXX clinic of the XXXX. They gave me the phone number of the billing department for them which is XXXX XXXX. They couldn't find my debt anywhere. I tried for a month unsuccessfully. Thank you.
Product: Credit card

I received a credit card from CapitalOne in the mail that I did not apply for. I contacted customer service on XX/XX/23 which transferred me to the fraud department where I spoke to XXXX who was located in Virginia. I stated that I received a credit card from CapitalOne that I did not apply for in the mail. I stated I wanted the account closed and removed from my credit history as I did not apply for the credit card that CapitalOne sent me in the mail. She asked for my SSN which I did not feel comfortable to share with her so she then asked for my name. Upon giving her my name she said she would look into this and proceeded to disconnect the phone call.
Product: Debt collection

I've sign up the monthly payment plan service with XXXX XXXX XXXX in XX/XX/XXXX for my aligners. And the contract includes that my payment is for : full treatment, received final retainers and lifetime guarantee. 

the total financial amount is {$1800.00}, and I had already paid {$530.00}. 

However, now I'm in the meddle of the treatment, and the XXXX  was shout down. I couldn't continue my treatment. 

After that, I made a research online, and the XXXX  website said '' XXXX. Customer received aligners, are in the middle of their treatment plan, and requested a refund - The creditor on the loan is soon expected to launch a customer support plan for these customers. In the interim, HFD will place any disputed accounts on hold until the customer support plan is approved by the creditor and the attorney general. '' Therefore, I stopped my monthly payment, and trying to communicate with HFD agency about my situation. But all they talked about was asking me to pay. They refused to answer any other questions and does not willing to help with this. 


Today XX/XX/XXXX, I received the mail from HFD again, and the letter on the mail is '' Please contact us with in 10 days or your account could be sent to collection. Once your account has been sent to an outside collections agency, non-payment of your balance could adversely impact your credit history. '' I'm wondering why I still need to pay for the company who broke the contract, and ask the third party to threat me like this.
Product: Debt collection

Midland Funding took over my charge off a XXXX XXXX XXXX and has since upped what I owe by over {$3000.00}. How am I supposed to make good on a past debt when the collection company uses a tactic such as this. How can Midland Funding charge me additional fees and interest when I never contracted with them, nor have I ever spoken with this Company. This is predatory and unfair to myself, the consumer, when I am trying to work out paying this debt back. I am beside myself at what to do at this point.
Product: Mortgage

On XXXX XX/XX/2019 I sent XXXX XXXX  a formal request in writing via their online portal to have the FHA MI removed from the loan as it had reached below the 78 % LTV ratio. It's 50 days later and I have only received 1 update regarding the removal of the MI stating that more time was needed to review the file - this letter was dated XX/XX/2019. I have called XXXX XXXX almost daily for the past several weeks and I'm unable to get an update on the removal. The response I get is " it's still under review ''. I have tried several times to resolve the issue with XXXX XXXX but they will not assist me. Not only that, they continue to disburse MI premiums at my expense. I am attaching a copy of the request that I sent in on XX/XX/2019 for your reference. I am also attaching prior communication from XXXX XXXX earlier in the year in which they mishandled my account and provided incorrect information regarding the ability to have the FHA MI removed. I believe XXXX Point may be in violation of the Homeowners Protection Act for not auto-cancelling the MI and may also be in violation of CFPB requirements for communication to me as the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I noticed my credit has been going down and I called XXXX and other credit reports companies to see what is going on and noticed its because of all this items on my credit report XXXX XXXX is Ccs collection from originator the general company with a reporting date of XX/XX/2022
Product: Credit reporting or other personal consumer reports

I got divorced and changed my name. I sent in the divorce decree name change social security card and ID to experian but they refuse to update my name. I've sent them the documents several times and they either say they didn't get them or they need more. They also said they could see both of my names and they need to be combined into one account but won't do so and just keep asking for the same documentation I've already sent in.
Product: Credit card or prepaid card

Hello, I tried to transfer money from my card to my bank account approximately XX/XX/20 but the money was returned to the card. When I called the card to find out why they said the card was restricted and they needed me to send a picture of my drivers license to have the card unrestricted. 

I faxed a copy and they said it was a little blurry and to send another. I faxed in 2 more copies and uploaded a copy on to their website and have been waiting over a week and still have heard nothing. Everytime I call they just say it's pending and don't have any other information.
Product: Credit card or prepaid card

This was a case of fraud that was committed in the XXXX, TX Office Depot, according to the receipts from my online account. ( I am in XXXX, AZ. ) The problem is, I had no idea when the fraud occurred until much later because I rarely used this Office Depot Business credit card. I certainly do not lend it out, and it was never lost or stolen. I had no reason to check my account to see what I owed, but I suddenly got a " bill due '' email and to my shock it was for over {$600.00}! 
I have been going around in circles with Office Depot which allowed someone to use my card number 3 times in one day to purchase pens and what looks to be 3  {$200.00} gift cards in XXXX different orders on the same day. ( They say " Mastercard {$200.00} Item #  XXXX ''. I tried looking this item up on their website, and it says, " Item is Currently Not Available ''. ) Why wasn't the employee that rung these up just a little bit suspicious? An out-of-state account, either just a number or a fake card, I don't understand how this was even rung up. I had my card the whole time, so they couldn't have had the real one!

Office Depot canceled my old card but wouldn't do anything because I didn't report it in a timely manner. They kept sending me emails of owing this $ XXXX   bill on the old canceled card. I called yet again, and they apparently had closed the case since I didn't respond in time. ( Another problem was we just moved and the address changed! ) They said they  would reopen the case, and I should report it with local police where it happened. I am in XXXX, AZ and the fraud occurred in Texas, so I filed an online report with the XXXX police where it happened. The Office Depot Credit Card people also said I should send my info to the credit bureaus and the FTC, so that is what I am doing.
Product: Mortgage

I submitted a request for removal of PMI from my mortgage loan with BB & T for my primary residence on XXXX/XXXX/2016. With my request, I submitted an appraisal from a licensed and certified residential real estate appraiser showing my current LTV ratio ( XXXX % ) was substantially below the required XXXX %. My request was denied with no reason provided. I called BB & T customer service but they are unable to assist as the mortgage insurance office is a back office function and does not interact with customers. I submitted a formal complaint to BB & T but have not been given a reason as to why the request was denied.
Product: Consumer Loan

I bought a car thru XXXX XXXX in XXXX XXXX I had XXXX car payment late due TO THE XXXX SHUTTING DOWN FOR TWO WEEKS it was n't my fault that was out of my hands and they marked me late. Also I signed up for auto pay in XXXX of XXXX. THEY XXXX UP PAPERWORK AND DIDNT PUT IT IN FOR 3 months even though I talked to their representatives and they told me it would only take 10 days from the date they received it. It took them three months. So that is not my fault that they XXXX up but they have marked me late XXXX. So a total ofXXXX late payments which was n't my fault. I can not help if XXXX shut down and we did n't get paid on time. And its not my fault that their employees do n't put paperwork in on time. I am still paying on car and, my monthly payment comes out every XXXX of month now
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that I do not recognize or do not belong to me.
Product: Checking or savings account

I have been a victim of identity theft for over a year and have reason to believe that there is an account at Wells Fargo inder my name. Which is totally fraudulent because I have never had an account there. I need to know what to do to close the account or accounts under my name.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : 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: Checking or savings account

I deposited two checks they were US Department of treasury stimulus checks that were for my brother-in-law who is very XXXX XXXX and I help him with matters like this sometimes he had just recently come home from XXXX  and had no ID whatsoever so in order to cash the check I was going to deposit it and give him the funds as he was XXXX  and desperately in need of the funds. Chase Bank cashed the first {$600.00} stimulus check without any problem they put a 10-day hold on it and then released it for which I withdrew it and gave it to my brother-in-law. The next check was {$1400.00} they put a 10 day hold on it, just as they did the first one, and then they cashed it. Then they decide to put a fraud hold on my account and tell me that I had to bring him in with ID, I tried to explain to them that he does not have an ID he's XXXX XXXX and he just came home from XXXX and he has no more money. Chase Bank told me there's absolutely no other form of acceptable ID than state ID and passport he has neither. Therefore, they closed my account it's been more than 90 days, according to my last statement they sent a check in the amount that was left in the account but I've never received it and when I call them to ask them where the check is they keep telling me that I have to bring him in there with his ID. I believe they cashed that check by mistake they should have told me I needed his ID first they should have never cashed that check I would have taken it somewhere else.
Product: Debt collection

There is a discover balance on my account for the amount of {XXXX} with N/A as the payment history. My credit provider doesnt allow me to check the date so Im not aware of when it was placed on the account. I sent XXXX a letter to remove it and havent heard anything back since.
Product: Credit reporting or other personal consumer reports

I notice a account on my credit report that i don't recognize nor done business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying to rent a car today XX/XX/19 and when they ran my credit they told me that I was unable to rent with their company because I did not meet the credit requirements. I was confused so they let look through my credit report and I found several inquiries as well as accounts on my report that I never opened. None of those accounts or inquiries belong to me nor did I give anyone permission to open those accounts or make those inquiries with my personal information. I filed a police report regarding these items as soon as I got the chance ; I never benefitted anything from these accounts/inquiries that were opened in my name without my authorization nor do I have any relationship with any of the companies I listed. I did not take part in any payments, purchases or transactions involving any of these accounts.
Product: Credit reporting or other personal consumer reports

I submitted an FTC report in which the complaint number is XXXX regarding hard inquiries thats hurting my credit and I didnt authorize these agencies to run my credit below are the agencies whom ran my credit without my knowledge 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 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 card or prepaid card

Payment of a full amount of a cash advance, the highest interest balance, was not appropriately applied per consumer regulations, resulting in some balance to remain in the cash advance bucket instead of purchases, resulting in interest charged on a balance that was fully paid.