23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

iscover Financial Service XXXX has issued me a credit card 1 month ago. However, they refuse to allow me to use mobile payment. They have announced that the function of mobile payment is available with this credit card when I was applying for it. But they just declined to get me verified when I want to add it to my mobile wallet. Especially during this pandemic breakout, we should make full use of contactless payment methods to avoid any unnecessary contact as much as possible, which is also required by the government. However, I have been calling the verification team of Discover credit card for more than 1 month but they keep saying their system does not allow them to send me the text message of verification code, by which they can prove that I am me? The phone number I am using is the phone number I applied for their credit card with. I also have this phone number registered on their website. They keep letting me refer to the credit bureau or the cellphone service company. And I have confirmed with both of the two that my phone number is correct and under my name. But Discover keeps answering me the same things saying that my phone number is not under my name. And they decline to connect me to a Consumer Complaint Department or the IT Department to help me with this issue. That means, they approved my application but refused my using the card without any convincing reason. The supervisors, XXXX XXXX and XXXX XXXX XXXX XXXX have always let me call back and said there might be a solution in the future. But they said they do not know when I asked when it is going to be. This is a type of discrimination and I have called them for more than 100 times, which is really a big waste of time. I feel so frustrated and discriminated since everyone around me has no trouble in that process. This is discrimination.
Product: Credit reporting or other personal consumer reports

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

Account NameXX/XX/XXXX
Product: Credit card or prepaid card

Today I am taking action by filing this complaint regarding my Gap XXXXcard that is financed through Barclay 's bank. 

The first thing I noticed is that Barclay 's took over the Gap XXXXcard and didn't inform us. Barclay 's did not alert us. I have the majority of my credit card bills physically mailed to me, so when they took over they had to have switched to e-bill without my consent and I missed two payments because the bills were not physically mailed to us. I called customer service and they set me up on one of their programs for three months which was supposed to prevent me from getting fined for late payments. Apparently, this customer representative also added in a clause that I would pay approximately {$150.00} per month- this was done without my consent but I did consent to the program he offered. This representative also waived the late fees ( I think ) because we've consistently been charged as late payment and have received late fee charges. 

For the next 3 months, I received monthly statements that said I was late in my payments when in fact I had paid {$300.00} in one month. There were several other unexplainable discrepancies so I called customer service. While talking to customer service, I realized while looking at my bill that Barclay 's has been charge me double interest!!! Customer service said she would have a manager or supervisor call me regarding this problem. To this day I haven't spoken to any representative. I did receive a letter in the mail stating that they were aware that I had concerns about my account and that I should called customer service again to address my concerns. THAT'S IT
Product: Credit reporting or other personal consumer reports

My son has a private XXXX loan through XXXXXXXX XXXX Payments start in XXXX. The loan is serviced by XXXX XXXX XXXX XXXX XXXX ). We moved from XXXX XXXX XXXX in XX/XX/XXXX and in XX/XX/XXXX changed our address via the post office mail forwarding systems and all online accounts to reflect this move with our new permanent address. In late XX/XX/XXXX, I was alerted by XXXX XXXX XXXX that my credit score had dropped from approximately XXXX to XXXX. This was shocking to me as we have top tier credit, pay bills on time, and have low debt. The reason was that XXXX sent us an interest statement that got returned in error by the post office back to XXXX. Previously, we had been receiving mail from XXXX to the XXXX  address without issue. Rather than contact my son or myself ( his father, the co-signer ) to verify our address, they report this to Experian in a monthly statement that we can not be located. XXXX does not reach out to our contact emails or contact phone numbers that they have on file to ask about this. Therefore, Experian decided to drop my credit score by over XXXX points which is absolutely unfair and egregious. I have disputed this with Experian with no result. The responses I get from Experian are that they have not received any updates from XXXX to make a correction, so it has not been changed or corrected or deleted from my credit report. Experian does not say how they contact XXXX, whom they speak with, or how this is going to get fixed. XXXX updates their notes once at the end of each month. XXXX tells me that they have corrected our issue in the XX/XX/XXXX note to Experian, but as of XXXX, nothing has changed and my credit score is now at XXXX which is putting a chilling effect on my finances and will cost me money if this is not resolved immediately. I dont know which company is more at fault for this : XXXX XXXX Experian. On one hand, XXXX should not have reported this to Experian, all they needed to do was verify our address by contacting us via phone or email, which they did not do. On the other hand, it is absolutely insane that Experian can just decide to drop a persons credit score by XXXX points because one piece of mail was returned to the loan servicer by mistake.
Product: Credit card or prepaid card

This account doesnt belong to me I already disputed it with a identity theft report which is on file for the account XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I send {$100.00} To XXXX in a Bank. There was a mistake account number. But the money transfer company saying they deposited the money. But they can not show any proof of that. When we talk with local bank, They are saying The Account number & the Recipient name has to match other wise it will not deposit in the Account. I has trying to Explain this to money transfer company but they are not corporations with me. I just want my money back. The money transfer company name WorldRemit. Transaction Number : XXXX. Date XX/XX/21. Amount {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

I have inquiries from XXXX XXXX that need verification or deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, XXXX ) as well as to XXXX XXXX and LVNV Funding/Resurgent Capital Services disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.
Product: Vehicle loan or lease

As of XX/XX/XXXX, I contacted Navy Federal Credit Union, regarding the maturity date of the loan. I was advised the last payment was on the month of XXXX of XXXX. I started payment on this used car auto loan as of XX/XX/XXXX, the loan term was 72 months, due to financial difficulties including during the covid lockdowns I had no choice but to request a deferral, I was advised those payments will be added to the end of the loan, therefore they extended the loan from 72 to 82 months, which documents of the deferral were not available to me during that period. When I contacted the bank on the above date mentioned, I asked if the last payment is on XXXX why do I have a balance left of XXXX, they said thats from the deferred payments owed including interest. This is extremely confusing to me since the bank is trying to get me to pay by XXXX that lump sum or refinance and pay XXXX $ for 24 additional months that would be a total of 8 years and 10 months which is longer than 82 months. Since XXXX I have requested documentation regarding the deferral, such as when I requested the deferral, when I started payment and when does payment of deferrals end. I was told XXXX times by XXXX different agents including a supervisor the documentation has been mail and I will receive it in 7-10 business days. I contacted the bank today XX/XX/XXXX because XXXX yet to receive the documents. I spoke to a supervisor and she sent them in my banking mail center today since I havent received them by mail. Im still questioning why they extended the loan for 82 months only to add additional months. I was also explain I was being charged everyday interest for those deferred payments. I understood during Covid shutdown getting a deferral would help but instead is hurting me because I have one income and thats XXXX. I shouldnt owe nothing else after 82 months. I need guidance I believe NFCU is taking advantage of me. Also because agents didnt have a way of explaining for my purpose I recorded the conversation. I attached what I received today from my online banking.
Product: Credit reporting or other personal consumer reports

I am writing to you with great frustration and concern about the continued presence of fraudulent items on my credit report. Despite my numerous attempts to dispute these items, they persist, causing significant harm to my financial well-being. I demand immediate action to rectify this situation. 

I have initiated disputes for these fraudulent items on multiple occasions, and yet they remain on my credit report, causing distress and limiting my access to financial services. Despite providing comprehensive evidence to support my claims, there has been little to no progress in resolving this issue. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my XXXX XXXX, making it difficult for me to access loans, mortgages, and other financial opportunities. As a consumer, I have the right to an accurate and fair representation of my credit history. 

I urge you to treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is crucial that you take prompt action to correct the situation. I request the following : An immediate, comprehensive, and impartial investigation of the fraudulent items in question. 
Regular updates on the progress of the investigation. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the results of the investigation. 
I trust that you will address this issue promptly and effectively. Failure to do so may compel me to take legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. Please assist me to remove these following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is comingling of funds and this is a nightmare. XXXX XXXX is not really the same person that XXXX XXXX. They have different social security numbers. XXXX XXXX is not obligated to nor have privi on XXXX XXXX and XXXX XXXX 's mortgage, it appears they had a line of credit on top of the mortgage but we are not sure. That is the only explanation our loan is XXXX and theirs is XXXX as said in court
Product: Mortgage

Made several extra payments over the phone. Specifically told the agents that the overpayments were to be applied to principal. 
I have called repeated and tried unsuccessfully to get the extra paYments that are held as unapplied funds applied to principal. My account is in good standing and each time I call the agents on the phone can not explain why my money has been held XXXX for the past 8 months
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that XXXX remove the below inquiries from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

XXXX XXXX XXXX  XX/XX/year> Equifax XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX & XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX  XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Debt collection

On XX/XX/2020 Midland  Credit  XXXX bought my debt of {$400.00} from XXXX XXXX. Both Midland Credit XXXX XXXX XXXX XXXX have violated multiple federal consumer protection laws. 

1. 15 USC 1681B - Midland Credit XXXX reported this information without the consent of the consumer. Which is XXXX XXXX, who is me the consumer, natural person, and the original creditor. 

2. 15 USC 1681 [ A ] [ 2 ] [ B ] - Midland Credit XXXX furnished a report that was created from my social security card which is a credit card pursuant to the definition 15 USC 1602 ( l ). 

3. 15 USC 1692J Midland Credit XXXX furnished a deceptive account on my consumer report. Trying to make me believe I owe a debt. 

Both Midland Credit XXXX and XXXX XXXX are committing aggravated Identity Theft. Pursuant to 18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. 

I demand that Midland Credit XXXX cease communication with me about this debt in all mediums including through my consumer report or I will be force to pursue litigation expeditiously.
Product: Money transfer, virtual currency, or money service

I have been a vitctim of excessive idendity theft the past couple of years. Every 4-6 months the activity will start up and I will have appliations for either bank accounts, credit cards, or money service apps attempt to be opened with my personal information. I believe I was a victim of identity theft with this current company and they are not being helpful or acknowledging this matter. When I try to open an account with them, they say I owe a balance of back funds that need paid. I try to expain to them that my old email was hacked and alot of my accounts that were connected to that email were accessed and hacked as well. They continually give me automated responses and do not take any action to rectify this problem. I still have not been able to open a venmo account because of this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on several different occasion since XX/XX/2018 to investigate the two bankruptcies that are appearing on my credit report and several student loans.I sent letters certified in XX/XX/2018 and XX/XX/2018. I also sent regular mail letters with documents that were sent to me from the creditor themselves with information about my account. Equifax is claiming they are investigating and or reinvestigating the issues but to no avail they have not supplied me any proof of any document filed on my behalf.

I have security freezes on my social security number because of the data breach that I was a victim of. Equifax keeps giving me the run around stating that they have mailed me copies of my credit report when in fact I have not received a copy of my report since XX/XX/2018. I have tried to have a resolution to these things reporting negatively on my credit report but Equifax refuses to supply with the name of the 3rd party they are getting information from.
Product: Checking or savings account

I ordered hair salon equipment that was four double sided stations and eight styling chairs from a company called XXXX XXXX on XX/XX/20. XXXX XXXX called me to set up a delivery date of XX/XX/20. He and I had emailed back and forth discussing my order. I still have not received any of my purchased order from the company as of XX/XX/20. A company called XXXX XXXX XXXX took the money from my account on XX/XX/20 but I never had any dealings with this company. I had only spoken to a man named XXXX XXXX from XXXX XXXX who claimed to be their sales executive phone number XXXX. I reached out to the company XXXX XXXX on XX/XX/20 through XX/XX/20 trying to inquire about my delivery date and had no contact then at all while emailing, calling, and leaving messages. 
I contacted my bank Suntrust now Truist on XX/XX/20 to inform them that I thought I had been scammed by XXXX XXXX. I gave info to start investigation and on XX/XX/20 they sent me an email stating no error had occurred. I reached back out to them by phone to appeal and was told i would need to fill out a rebuttal form. I also asked for proof of why they made their decision which I also have not received. I received that on XX/XX/20. I printed it and filled it out. I had gathered information from XXXX about is this company real? I googled the address to XXXX XXXX and found it was a vacant building. I reached out to businesses near that address and companies confirmed it was vacant and had been for years. I filed a police report, talked with other stylist and received emails with some of their stories. I Had received emails from a business near the address XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. I had discovered that a company XXXX XXXX is using the same address. Again no business in the actual building. I sent my rebuttal form in on XX/XX/20. since then I reached out to the Illinois Secretary Of State and enetered XXXX XXXX  and XXXX XXXX A Person with the name of XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Illinois is the contact person for XXXX XXXX. The contact person for XXXX XXXX is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Illinois. I was told it could take up the 45 days to decide to open my case back up. I need a resolutions. I understand that I used my debit card to purchase but Never with XXXX XXXX and I have never received my goods purchased from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Referencing my ongoing issues and previous complaint # XXXX, I received a letter from Lexis Nexis dated XXXX XX/XX/2022, with a Disclosure Report URL of https : XXXX and a PIN of XXXX, but I'm not able to access the report. I get an error and am not able to access my report. I first received the error without the option to submit the Captcha responses, then I was able to select the images and respond but I still got an error. 

Additionally, the current letter states that there was unverified info. associated with me from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, as well as from the LexisNexis XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I am a member of the military and have tried to get legal assistance for what I think may be fraud and violations of consumer protection laws. Please help me.