23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an Amex Gift Card as a gift. I confirmed the balance of {$300.00} using the AmexGiftCard.com/Balance website, which showed an available balance of {$300.00}. I attempted to use the card on XXXX for exactly the face value of the card. I received an email stating the transaction was declined. XXXX requested re-entry of the card numbers, which I provided, and it was again declined. A third time, re-entered the card details, and declined again. Many people have reported having this problem starting this past year.
Product: Checking or savings account

COMPLAINT ABO UT CITIBANK PROMOTION - FA LSE ADVERTISING/SCAM Please see attached proof from the bank er (   XXXX   ) ind icating the account she opened for me - did qualify for the promotion and I would get paid the  XXXX  on  XXXX   XXXX  /17, as th e promo stated.       I* have attached correspondence from  CITI a nd myself for your perusal along with the advertisement from the bank The promotion was for  XXXX  - I deposited $  XXXX  had the banker told me she could not honor the promotion without opening a checking account - I would have told her to open a checking account and deposit  XXXX  into the checking account and leave the remaining  XXXX  in the savings account. that IS A NO BRAINER - SHE DID NOT SAY THAT AND SIMPLY SAID I DO NOT HAVE TO AND GAVE ME THE CONFIRMATION. I AM UNABLE TO SCAN THE DOCUMENTS, SO I AM GOING TO FAX IT OVER TO YOU Thank you
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Checking or savings account

In XXXX of this year, approximately XX/XX/13 I contacted Citibank because I was not able to get my bank statements online. I was receiving an error on the website and I am not receiving my statements in the mail either. I was told I would hear back from them in a few days and its been almost 2 months and I have not heard anything and I still can not get my statements. 
This is not an issue with my computer or web browser because I was on the phone with Citibank 's website support and they tried to get me to wipe out my cookies and other things. I also tried several different computers on different servers and I was still having the same problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Afte

r purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Product: Prepaid card

I received 2 prepaid virtual American Express gift cards totaling {$250.00} in XXXX of XXXX. During the past month, I have attempted to use these cards at a variety of brick and mortar and online merchants. The cards have never worked. I have also tried to add the cards to my XXXX account without success. I was able to add them to my XXXX and XXXX wallet, but they have been declined on every attempt to use them for an in person purchase. During the past month, I would estimate that I have attempted to use these cards at 25-30 merchants without success. This includes XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX among many others. I have requested either a physical card or a check for the funds in question, and American Express has told me that this is not an option and that I should just Try the card somewhere else. I can only add 1 card number to the complaint, but will be happy to provide the second card number if contacted.
Product: Vehicle loan or lease

XX/XX/2021 to XX/XX/2021. 
{$5400.00} I contacted the company many times regarding this problem. I spoke with seven or more people at kia motors finance company, I was given difference answers that did not correct the problem. My monthly payment is {$540.00}, I paid {$900.00} and {$750.00} in XX/XX/2021 and {$750.00} XXXX in XX/XX/2021 to XX/XX/2021. The balance of the {$750.00} was not applied to my principal. It was very difficult to speak to a representative due to the automated system and disconnect end call.. I am very stressed and frustrated with this matter. I need my payments to be applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

KIA NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX To whom this may concern, this is regarding accountant XXXX. 
My billing dispute is for past current and future certificates of indebtedness while under this contract. 
XXXX XXXX XXXX reported 3 late payments for the month of XXXX, XXXX, and XXXX A creditor may not treat a payment on a credit card acc under an open etiquette. Consumer credit plane late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement includes the nonpublic information that was furnished. Should have been mailed and delivered to the consumer not 21 before the due date. Listing payments as late under an open etiquette consumer plan is against federal law. 15 U.S. Code 1666 15 USC 6827 ( 3 ) requires financial institutes to notify consumers of their information-sharing practices and provide for a right to opt out of certain sharing. mention in the transactions above without allowing me to opt-out XXXXXXXX XXXX XXXX furnished my non-public information to a nonaffiliated third-party data furnishing company XXXX XXXX Experian and XXXX . 15 USC 6809 ( 4 ) ( a ) Non-public information means personally identifiable financial information provided by a consumer to a financial institution- resulting from any transactions with the consumer or any services performed for the consumer or otherwise obtained by the financial institution. Therefore, as per literal interpretation, the organizations name XXXX XXXX and Experian are non-affiliated third parties. and XXXX XXXX XXXX  has violated the provisions of 15 USC 6802 pursuit under 15 USC 1681a ( d ) ( 2 ) ( a ) ( ii ) the consumer report shall not include. Any information communicated among persons related by common ownership or affiliated by corporate control. Such information among persons shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be allowed to direct that such information not be communicated among such parties.

I HEREBY REQUEST THAT YOUR COMPANY REMOVE ALL OR UPDATE THE FCRA VIOLATIONS LISTED BELOW BE REMOVED IMMEDIATELY 1. ALL LATE PAYMENTS SHOULD BE UPDATED TOO POSITIVE 15 U.S. Code 1666.

2. UTILIZATION OF THE ACC SHALL NOT BE FURNISHED 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Also request under 15 U.S. Code 1666d - Treatment of credit balances Section ( B ) refunds any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance. 
Please credit my accountant for the balance or refund the balance Deposited to my treasury direct accountant. 
XXXX # XXXX ROUTING # XXXX XXXX XXXX XXXX has 7-10 business days to honor my request, or I will immediately file a complaint with my state 's attorney 's office and a filing a complaint with the federal court in my jurisdiction. 
Thank you for your immediate prompt attention to this
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information {$4400.00} XXXX XXXX XXXX XXXX. XXXX, XXXX ( 1 yr, 11 mos ) Original Creditor Name XXXX XXXX XXXX XXXX  XXXX {$640.00} Opened XXXX XXXX, XXXX ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXl ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX I have reached out consecutively to ALL creditors in reference to this matter they are very unprofessional unconcerned & unresponsive u have various charges that where unauthorized & some presume to be me & are bogus & artificial claims some have been closed reopened as well can someone please respond in a timely manner & ASAP
Product: Debt collection

When I came to cfpb to report unethical practices of XXXX XXXX, they began to change the documents. I have a document stating that the charge off numbers and interest were the wrong amounts and it would be corrected. I also have document showing that they were to remove this from my credit reports in XX/XX/2020, which they did not. On XX/XX/2020, after I filed to the cfpb XXXX  XXXX  conspired with Mercantile. I received a letter in the mail from Mercantile adjustment bureau LLC trying to collect a debt that XXXX  has already admitted is the wrong amount and should be taken off my account in XX/XX/2020. 

XXXX XXXX  rushed to send this to Mercantile after I reported to cfpb to harass me.
Product: Mortgage

In or around XX/XX/2018 XXXX XXXX was in review for loan modification. On XX/XX/2018, without properly denying the application, Ocwen proceeded with a foreclosure in violation of Regulation X, 12 C.F.R. 1024.41 ( g ).
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And XXXX XXXX unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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-2 ( 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: Credit reporting or other personal consumer reports

I have submitted over XXXX letters over XXXX months requesting verification of the debt accounts listed on my credit report. I have received requests for verification of my identity and that documentation was included with each letter, each time I mailed it. I responded to the request for additional documentation, providing what was required and their response to my submission was the exact same letter they responded with each time requesting the same documents I had previously provided.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information in my credit report and to address violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have reviewed my Equifax credit report and found the following item ( s ) to be incomplete and inaccurate : Item ( s ) in Dispute : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Disputes Account Number : XXXX XXXX XXXX XXXX ( Closed ) Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX ( Closed ) Account Number : XXXX These accounts have violated my rights under the Fair Credit Reporting Act ( FCRA ) in the following ways : Violation of 15 USC 1681e ( b ) : According to this section, 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. The inaccuracies and incomplete information present in my report indicate a failure to adhere to this requirement. 

Violation of 15 USC 1681i ( a ) ( 5 ) : This section mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the change. The information in my report remains uncorrected despite being inaccurate and incomplete.

Violation of 15 USC 1681s-2 : This section prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The continued presence of these disputed accounts on my credit report demonstrates non-compliance with this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan company name is XXXX XXXX XXXX XXXX Contact information ( XXXX ) XXXX Address : po box XXXX XXXX, Va XXXX Date it was opened XXXX Account is showing potentially negative on my experian report. I have no knowledge of this auto loan account it was done without my consent, or my knowledge.XXXX XXXX XXXX  auto loan has been using my name, and personal information for XXXX  years.I tried contacting XXXX XXXX XXXX  for the last XXXX years.I contacted experian about this account and disputed it several times but there were no results.XXXX XXXX XXXX is still reporting this potentially negative account on my experian report.This Account is showing as charged off {$14000.00} written off. {$16000.00} past due as of XX/XX/2022.
Product: Mortgage

I was looking to buy a home and found Kwik Mortgage out of XXXX XXXX NJ to get a loan from. I met with the mortgage broker ( XXXX XXXX ) and explained my entire situation. And what had happened to me in the past. I explained to him and Kwik Mortgage that I had a precious foreclosure and that I wasnt sure the exact date the foreclosure was finalized. Even before I filled out all the paperwork, the mortgage broker and the Vice President of the Kwik mortgage assured me that I was going to be approved and granted the loan and also before founding out the exact date of the foreclosure was found they approved me and ordered the inspection and appraisal of the home. They told me I was approved for a conventional loan at a 3.2 % interest rate. And was told that because of my foreclosure it was at 3.2 and not at 2.8. I have a XXXX credit score, I work full time and I was putting 10 % down. My official foreclosure date was confirmed that it was XX/XX/2017. Once again the mortgage broker and the Vice President reassured me that I was going to be approved. Without any hesitation. So they ordered the inspection ( which was {$550.00} ) and appraisal ( {$500.00} ). I provided every document they asked for and needed. 10 days before my closing date and even after being approved the underwriter explained that I didnt not met the guidelines and was short 4 months from 3 years. But after talking to an Attorney an Another Mortgage broker I was told that a conventional loan is 7 years after a foreclosure and 3 years for an FHA. I was wondering if there was anything that can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide with the exact source where you received such information, so I may take appropriate legal action
Product: Credit card or prepaid card

Once again I reached out to Capital One and they will not lower my monthly payments so I can continue paying them at a amount I can afford right now. I offered to pay {$65.00} a month on my 2 cards so that is {$130.00} total. They tell me they have no hardship program for me. So I am trying to keep paying them but they will not work with me. I am 3 months late on one account and 2 days on the other one. I have been calling the agent that was supposed to be working with me for 3 days and leaving messages with no call back. So today I ask for a new agent and she said there is no program for me. I have had a great payment record with Capital One all the way till this point. I am trying to do right and not run from my debts but they dont want to help. At least they would be getting something rather than nothing! Please Capital One help! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Transunion is report an inaccurate amount which i have conirmed with the lender they did not due. They also confirmed that they do not report before the statement closes, which in this case is on the XXXX of every month. They has sent an investiagation as well but this has affected my score and my uilization and a violation under the FCRA. 

I also have a bank statement that confirms this amount should read {$2000.00} and i spoke to a representative today at XXXX name XXXX XXXX XXXX who confirmed this an error not by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX ( XXXX XXXX XXXX ) has been in dispute since XX/XX/XXXX. XXXX Credit has been furnishing inaccurate and outdated information on my credit report which has affected my credit reporting drastically. When I first disputed this account I noticed the dates of last activity was different for each bureau they stated XX/XX/XXXX for Transunion and XXXX XX/XX/XXXX and XXXX shows a date of XX/XX/XXXX I sent a written response and never received my dispute results. This violated the furnisher rule Section 623 ( a ) ( 2 ) ( B ). I asked for reinvestigation of this account within my dispute letter that was sent out via certified mail XX/XX/XXXX simply asking for the following : actual proof of the information was verified, not a computer generated confirmation, account open and closing billing cycles, signed contracts between both parties The names and business addresses of each individual with whom you verified the information with above, The date you contacted the individual furnishers of information, The method of communication you used to verify the information. 

Nothing was sent out to me and I never received written verified results from my dispute as well as a reimport of verified results when I refreshed my credit report. I resent out a certified mail letter on XX/XX/XXXX reminding them of the ( 30-45 ) days to complete your re-investigation as well the attached letter from XXXX. There has not been any reinvestigation of this account at all. Not even a computer generated confirmation. Instead when I refreshed my credit report for the month of XXXX they furnished the date of last activity on the account this time Transunion reports XX/XX/XXXXand XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX. As well they are still missing the date of delinquiency for this account in which I requested which is a violation of FCRA 623 ( a ) ( 5 ) ( B ). Please review my attached documentation showing proof of this account that has been in multiple violations under FCRA.
Product: Vehicle loan or lease

I had a Capital One auto loan and moved from XXXX to XXXX. Upon going to register my car ( which had a lien on ) I was informed that I would need to have the lienholder ( capital one ) send a copy of the title for registration. I was informed this process could take up to 2 weeks. After a couple months of waiting and capital one ( admittedly ) messing up on their end, I decided Id pay my car off. Then they would have to send me my title? Right? Wrong. I waited almost three months to get my car registered ... ..in XXXX. I couldnt wait any longer for a car that I couldnt drive because it wasnt registered. I was also upgraded to the presidents office or something like that so I knew my claim was actually being taken seriously. The last person I talked to was going to talk to someone to see if I could get those last couple payments back. Never heard from them again and that was over a month ago.