23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Writing this XXXX : I purchased five {$100.00} XXXX gift cards at XXXX 's on XXXX for a work contest. The cards were at my house until I saw the winner on XXXX. When the giftcard winner tried to use them this week, four had a {$0.00} balance and one had {$4.00} on it. The winner asked me if this was a cruel joke, me giving her blank gift cards - I am mortified!!! 

I visited the website on the back of the card, XXXX. I could see on the card with the {$4.00} balance that 2 purchases were made on XX/XX/XXXX & XX/XX/XXXX in California. I live in AZ, and flew from XXXX to XXXX XXXX on XXXX, via XXXX ( NOT Cali ). 

I called the XXXX customer service # on the back of one of the cards and was treated like a criminal. They would only take one of the card 's info and said i needed to make separate calls for each of the cards. I have no idea how cards can be used when I have the physical cards, they were never out of my possession, and the backs were not ripped off revealing the pin code. 

I am inquiring if there is any recourse for the {$500.00} plus {$6.00} XXXX fee per card, total out of pocket is {$530.00} ( receipt attached ). 

I have submitted my purchase receipt and images of all the cards from the person who received the cards as a winning gift. 

On the website, I was originally able to enter the card info and saw the two CA purchases. After speaking with giftcard customer service, all of the cards were no longer visible ; so, they were purchased together, are tied to each other, and the giftcard person I spoke with shut them all down which leaves me no access to view or fight the stolen charges. They've left me in the dark, with no recourse, and they hang up you ( happened with both calls to them to work this out ). 

Something funny is going on with this company ; too many complaints online for there not to be. 

The website and customer service is the worst I've ever experienced. Please let me know if I have any recourse. Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After making a dispute with TransUnion with CFPB ( XXXX ) and clearly showing evidence ( from the findings of a governmental agency ) of a discrepancy of the amount the buyer ( XXXX  ) and the seller ( XXXX ) claimed as the sale price of my loan AND also showing clear evidence of other defects of the alleged transfer AND while no party has furnished an actual bill of sale showing the amount of transfer, TransUnion is still showing my student loans on my report after their investigation. 

I have sent written evidence from a governmental agency that shows a factual discrepancy about the amount of the loan : a discrepancy about the amount of transfer. XXXX has not sent evidence of the actual amount that the loan was transferred for, and I have a right under FCRA to a credit report that is 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have 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 accounts that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$600.00}
Product: Checking or savings account

Hello, I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Prepaid card

Based on the marketing of American Express, I now have Amex gift cards with {$200.00} each on them and I can not use them anywhere. AMEX is illegally keeping my money from me. They engaged in false advertising to mislead consumers into getting these cards with the promise of being able to use them universally, which is patently false. I can not find a single retailer to accept my gift cards as payment. They are universally declined. I have spent multiple hours speaking with agents on this issue and have only been told that the card can be used anywhere. Further to my dismay, I was told that the website on the back of the card provided to check your balance may or not be a fraudulent website so to not trust that either. These cards need to be discontinued as they are falsely advertised and do not function as viable commercial substance. The never-ending list of companies that will not accept these cards as payment include XXXX XXXX  such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. AMEX simply gets to hold onto the funds illegally by having a product that can not be functionally used. This is totally unacceptable business practice and needs to be dealt with accordingly.
Product: Credit reporting or other personal consumer reports

I have sent a police report and a notorazied letter showing my identity was stolen at this time. The credit bureau keeps just saying verified with no notification showing how this information belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Filed Multiple complaints with Early Warnings services and XXXX XXXX about my Identity being stolen and nothing has been done to start correcting my credit report. I have sent in copies of my police report for identity theft and it still hasnt been corrected and just recently XXXX  XXXX XXXX closed my account that was not in the negative without warning or an explanation. I have been blocked from being able to open a decent bank account and I dont think its fair. I should be able to have a legit and credible bank account for my money.
Product: Checking or savings account

Ive been waiting for my paycheck to deposit into my capital one 360 bank account since XXXX Thursday. Still havent received any payment or information from the company about the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATION/XXXX XXXX  # XXXX is reporting as a delinquent student loan account across all XXXX  bureaus XXXX, equifax and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.
Product: Credit reporting or other personal consumer reports

Dear representatives of the Consumer Financial Protection Bureau, I need your help in removing fraudulent account from my credit reports. This account was previously deleted in response to my requests but has reappeared again. 

According to the Fair Credit Reporting Act ( FCRA ), once an account has been removed from my credit report, it should never reappear without my consent. 

I kindly request that you take immediate action to remove this account from my credit report in accordance with the FCRA : Account : XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX - XX/XX/year> - {$29.00} XXXX hope for a prompt and effective resolution to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted immediately. 
XXXX XXXX Balance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX Balance : {$3600.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX : {$3500.00} DP OF EDUC XXXX Balance : {$2100.00} DP OF EDUC XXXXBalance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Mortgage

Recently I applied for new mortgage with another company that pulled my payment history with wellsfargo. They noticed that XXXX of my payments was returned XX/XX/year> but not showing NSF until may in which may payment had scheduled to be paid. They show were someone reversed the late fees for XXXX and I was told that the payment was supposed to have been retried but was never was. So all payments I made on time months after are showing over XXXX  days late due to this mishaps from wellsfargo rep. I have called to get this corrected since it is showing that because of that XXXX payment all my other payments are late. Also, a few months late I received a refund that should have been applied to XXXX returned payment. I was advised it was escalated to management but this is said often and no one ever returns my call. Now I am unable to be approved for my new mortgage until this issue is fixed.
Product: Debt collection

Jefferson Capital Systems reported a delinquent account on my credit report that was time barred and over XXXX XXXX XXXX from the original delinquency, but theyve changed the dates to XX/XX/23 as the start of delinquency to make it seem like it was recent in an illegal attempt to reset the statute of limitations and hurt my credit, and remove the time bar by attempting to collect. Not only is this ineligible to be on my credit report, the state of Texas time bars debt after 4 years. I have the original delinquency notice from XXXX dated over 9 years ago and no payments or acknowledgment of this has been made sense. Ive actually disputed it several times because the debt was not even of a legitimate nature. There were bogus charges on my account XXXX refused to resolve so I changed phone companies. 

Their customer support reps are rude and unhelpful and they should not be allowed to do business. There business practices are wholeheartedly illegal and are actively damaging the well being of my life by hurting my credit Ive worked so hard to rebuild over the last 10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have a mortgage loan that is held by Mr. Cooper previously known as Nationstar for my home that I purchased in 2007. I have been involved in negotiation with their bank for several years as I have tried to resolve my mortgage delinquency. As we have gone through the process, I have discovered that Mr. Cooper does not possess the original paperwork or have documented proof that they are not the rightful holder of my note and that there is a serious question as to their ability to foreclose on this home, or even get a clean title in the event of sale. Because of this situation, I had thought that their office can be involved and would work hard with me to resolve this issue. 
I recently received an offer for a modification on the home and the fact that I thought Mr. Cooper is finally willing to work with me. The problem is that they added into the balance owed all delinquent payments, interest, late fees, legal fees and junk fees. The new modified mortgage payment was lowered only by {$100.00}. The total balance owed ( according to their records ) is {$520000.00} that is 154 % more than what the home is worth. I purchased this home for {$400000.00} and the current value is estimated at {$340000.00}. I am now sitting 153 % loan to value although I consider this a home and not an investment, this modification does not make sense for me or my family. 
if I may and allow me to elaborate, I bought this home in 2007 with 80 % financing through XXXX. 
I was fit into ARM interest rate 7.00 %, recast and capped to 10 %, monthly mortgage payment jumped from {$2000.00} to {$3000.00}. Ive been recently unemployed have been unable to find work and began struggling with the mortgage payment. That was my full-time job now and my family I made a decent living. The problem is that between the time I became unemployed my household income was slashed in half and that is when I defaulted on the loan. Not long after the loan was transferred to Mr. Cooper I began trying to negotiate a home retention program. I could not make any progress same excuse that the necessary documentation to proceed was not received. It led me to believe that due to these findings that their company would provide me with a reasonable workout. However, instead of working with me, once again Mr. Cooper behaved unethically and set an acceleration to foreclosure. Luckily at the last minute someone in their legal department or somewhere else must have realized that trying to sell this property at foreclosure would be a disaster because Mr. Cooper could not show continuity of obligation nor prove their legal right to sell the home. 
The amount that I am required to pay on this loan to satisfy is doubled of what I paid. The home is worth fraction of what I paid. Although
Product: Checking or savings account

RE : Chase Bank N.A. 

Worst experience ever! After banking with this bank for decades, this is how they choose to treat their loyal customers? I disputed these charges as soon as I discovered them on my transaction history. For some reason, the representative in their claim 's department bundled/backdated the recent transactions with a transaction dated XX/XX/XXXX. Remember this date! They issued a temporary credit on the XX/XX/XXXX transactions, only to reverse them due to these transactions being past their 60-day-rule-to-report BASED on the XX/XX/XXXX date! Why on earth would they bundle these XX/XX/XXXX transactions with that one dated XX/XX/XXXX and NEVER disclosing this to me, is beyond comprehension. Make that make sense! They stated that they are only liable for anything within 60 days of the " first '' transaction. They having bundled the XX/XX/XXXX transactions with the one dated XX/XX/XXXX, changes the XX/XX/XXXX transactions first date to report to XX/XX/XXXX! Are you kidding me?! So I was supposed to report these XX/XX/XXXX transactions no later than XX/XX/XXXX, YET they didn't occur until XX/XX/XXXX?! Again, make that make sense! They denied the transactions in XX/XX/XXXX, which are ABSOLUTELY WITHOUT QUESTION WELL WITHIN the 60 days! Yes, WELL WITHIN THE 60-DAYS!!! Unless I am clairvoyant, which I am not, I would not have known my account would be hacked XXXX months down the line with much larger amounts. Nor would I have waited 6 months to report transactions in XX/XX/XXXX. Their representative 's and management 's reasoning doesn't make sense. Not to mention they ALL refused and failed to give me a copy of their XXXX XXXX XXXX. Including the branch I walked into located in XXXXXXXX XXXX  off of XXXX XXXX when I sat with XXXX. This has caused a tremendous amount of stress and has put my kids and myself in a predicament we never expected coming from Chase. I will also add that 4 representatives I spoke with agreed with me that the recent transactions should never have been bundled with those dated XX/XX/XXXX, but in the end they all stated, " There's nothing we can do. '' I beg to differ! Right is right, and this is outright WRONG on Chase 's part! Chase, please do the right thing and make this right. Do right by your loyal customers and grant these reasonably reported disputes promptly. Thank you. 

P.S. I have no business with XXXX or XXXX XXXX. I have been insured with XXXX XXXX for years. I provided supporting documents from my actual carrier to Chase.com, as well as to XXXX at the XXXX XXXX, XXXX XXXX  branch. So, not only did I provide proof that I have a completely different carrier, but again, I am well within the 60 days!!! Do the right thing, Chase! 

XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX {$45.00} XX/XX/XXXX XXXX  {$1100.00} XX/XX/XXXX XXXX  {$220.00} XX/XX/XXXX XXXX  {$52.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to an ongoing issue regarding my credit report. In XX/XX/XXXX, I noticed that my credit report showed a late payment, which I was certain was incorrect. I promptly contacted the corporate office, and after review, it was confirmed that no payment was due at the time, and that the late payment was the result of a system glitch. I have consistently made all payments on time or before they was 30 days late, and corporate acknowledged that this was a system error.I was assured that the issue had been resolved, so I did not investigate further until recently. Upon reviewing my credit report again, I noticed that the same late payment is still reported and not fixed. Despite multiple attempts to resolve this issue, corporate has confirmed that there is no record of any late payment on my account for XX/XX/XXXX. However, my credit report continues to reflect a late payment on equifax for that period, which is a violation of the Fair Credit Reporting Act ( FCRA ) .I request immediate action to correct this inaccuracy on my credit report and ensure that it no longer reflects a late payment. I trust you will address this matter promptly to prevent further harm to my credit standing. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent Equifax 3 dispute letters dating back to XXXX of 2019 asking them to remove these inaccurate accounts showing on my credit report. The three items that are left on my Equifax credit report has already been deleted by XXXX. Every time I send a dispute letter into Equifax I'd make sure I'll attach my XXXX dispute results with the dispute letter to show that XXXX has already deleted the items that Equifax refuses to remove from my credit report.
Product: Credit reporting or other personal consumer reports

i am disputing an inaccurate and incomplete item on my credit report with XXXX, EQUIFAX, AND XXXX, they are all reporting different information on each report which is a violation of the FCRA, 15 USC 1681e ( b ).

It states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. since its not 100 % accurate and complete it needs to be deleted from my credit report. 

i have attached exhibits from each website with my letter for your reference.
Product: Credit card

I applied for XXXX credit card XXXX. This card is issued by synchrony bank pursuant toicence from XXXX XXXX XXXX. 
I received a letter informing about denial with reason : request has identity theft risk factors. 
I tried to contact Synchrony bank as well as XXXX to check if there was some error and can I reapply. 
XXXX says contact XXXX XXXX Synchrony bank doesn't know why XXXX app is not allowing to reapply even after 30 days of last application. 
I think it is unfair to deny credit application without proper justification.. also reapply option is not working. It says application already denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't see how many hard inquiries on my credit report from Experian is wrong on these hard inquiries XXXX XXXX XXXX XXXX place I have called both of them send mail letters that they did not do it Experian.XXXX when when XXXX how to siad it would be no hard inquiries for to check i keep getting. I no know my credit is the only thing I have now because I don't have a job I did own a XXXX  XXXX  but with this coivd 19 it just took everything I have ever lille thing i have lost XXXX  XXXX  my home my car everything I just need this on my credit report at all i tell need help with this because I don't have a XXXX XXXX  account at allI