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

I was given four Visa VanillaGift cards as a gift from a client in XXXX of 2022. XXXX of the cards were fine. When I checked the balance of the other card on the VanillaGift website in XXXX of 2022, I discovered that a transaction for the full amount of the card occurred in XX/XX/2022 and that the card had a XXXX balance. I did not remove the card from the cardboard packaging until XXXX and had not used the card before that time. I assume that someone had fraudulently used the card. I called the VanillaGift customer service number on the back of the card and was told to file a dispute. I filed the dispute on XX/XX/XXXX. I called customer service several times for a progress report and was told it would take up to 90 days to resolve the dispute. 

On XX/XX/XXXX, I received a letter from lncomm by email stating that the card was used on premises at XXXX and that Incomm considered the dispute to be final and resolved. Again, I did not use the card and it had a XXXX balance when I checked it on VanillaGift 's website when I removed it from the packing in XXXX. 

On XXXX XXXX, I sent an email to lncomm objecting to their resolution of the dispute and asking for documentation showing that the card was used on premises at a merchant. I called VanillaGift customer service on XXXX XXXX seeking an update. I was told I would receive an email from lncomm within 24 hours. Having not received an email, I called customer service again on XXXX XXXX. I was told by the agent that the matter was final and that I had to contact the merchant to pursue the issue. I do not believe it should be my responsibility to resolve the issue with XXXX. 

I asked to speak to a XXXX and was on hold for more than XXXX minutes and then the call disconnected. This was not an unusual occurrence. Each time I called VanillaGift customer service regarding this dispute, the hold times are at least XXXX minutes and several times I was disconnected after holding for more than XXXX minutes. 

I've been getting the run around from lncomm and VanillaGift for 3 months and there is no sign that I will get a satisfactory resolution.
Product: Mortgage

on XXXX XXXX XXXX I received approval from Flagstart Bank and entered into an agreement to have a HELOC, or home equity line, of {$43000.00} at XXXX XXXX this is a secured line of credit using my home, which is worth more than {$43000.00} plus the original mortgage of {$49000.00}, I have only used {$18000.00} of these funds for home improvements, including assessments to my condo, even if I use it for a vacation around the world, it doesn't matter, it is secured, and in only a year and a month, Flagstar Bank decided to freeze this line of credit, and block me from using it, they claimed for the first time in 13 months, based on my score with XXXX that they feel I will not be able to comply with my payments, even though, I have a business and savings account with my business and a personal checking account with plenty of funds to pay all of the obligations, all set up on automatic payments and never once late on any of them, XXXX has reported my score lower, and inaccurate, meanwhile XXXX and XXXX report monthly and accurate, all of the payments have been made on time, this line of credit has only been used about less than half of the agreement limit again, my property has been used as collateral so there is no risk of any violations on my behalf. 
This institution has targeted me, why? 
CUSTOMER SERVICE ; every time I called I got an answering voice mail, one man, always the same person eventually called me back, at a very inconvenient time, so rude, cold, and dry, apparently intimidation tactics to make me go away, after reading all of the negative reviews on Consumer Affairs, I believe I'm not alone, this is a violation of my rights as a consumer, my funds are not available and I'm not able to just lose money on the appraisal and closing fees to get this line of credit, apply with a different institution, and pay them off, this is a trap,
Product: Mortgage

XXXX XXXX, XXXX Updated XXXX XXXX, XXXX Third submission XXXX/XXXX/XXXX I spoke to an Ocwen representative the week of XXXX XXXX and was informed that Ocwen was still working on this inquiry. I was informed that my property was NOT in foreclosure. I received a letter from an attorney that my property was in foreclosure. 

I have been misled again by Ocwen and deceived. I have not had a resolution to a modification request and appeal for over 6 months. Ocwen 1 ) asked me for money for an appraisal that was sent by me but never cashed or returned to address the modification appeal related to the valuation of the home, 2 ) Offered a modification if I had XXXX payment, of which I had/have but never sent paperwork to make the adjustment and modification, 3 ) promised to review the last data I sent them over a month ago and call me with resolution but never has, and 4 ) lost or can not find documents they sent to me that I kept and sent to them directed me what to do with the modification appeal. 

Please investigate. 

To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. 

As of today, Ocwen reps do not have and have not resolved the original appeal. 

Failed to take into account that I followed instructions. 

Cant find the {$200.00} check I sent for the internal review. 

Has not addressed this letter and the rep does not even know about this letter. 

Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. 

Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. 

Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. 

XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXXXXXXXXXX XXXX This is a partial letter with the full letter to be attached. The focus here is on repeated request for resolution of an appeal made in early XXXX. 

I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen Monday XXXX XXXX, XXXX. 

The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. 

I do inhabit the home in XXXX. 

Please reset my call with Ocwen and my relationship manager to discuss these items. 

This information is true and accurate to the best of my ability.
Product: Money transfer, virtual currency, or money service

I utilized XXXX for the first time and was involved in a scam. I purchased playoff tickets via XXXX and the scammer wanted me to use XXXX. After researching a little and knowing my Bank, B of A utilized I was comfortable with the transaction. Once I realized it was a scam the same day, I called B of A. They said they would contact XXXX XXXX but my funds of {$360.00} were not returned. They said I now need a subpoena and I am working with local law enforcement now.
Product: Mortgage

Refinance loan was done through this lender and the lender never paid the old bank with the pay off amount. so therefore now there is 2 loans showing on my name, where the 1st one should've have been paid off by this lender when i did the refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have PROOF that Experian did NOT investigate ALL items I listed in my dispute letter. They are in violation of the FCRA. All items should be immediately deleted as per the FCRA if the items can not be verified, which Experian has FAILED to vailidate.

I sent them an intent to sue letter if the items are not deleted immediately, however Experian has now open another dispute which I did NOT request. Instead, they should have deleted the items permanently from my credit file.

Furthermore, Experian has FAILED to provide the COMPLETE method of verification I requested, pursuant to Section FCRA 611 ( a ) ( 7 ), in response to the report # XXXX. They have only sent me a GENERIC response that is NOT suffice.

Additionally, they have NOT provided me the original source of documents per FCRA Section 609 as I have requested.

I demand all accounts listed in my intent to sue letter be deleted immediately or I will pursue litigation
Product: Credit reporting or other personal consumer reports

I was informed by XXXX XXXX that my credit score had dropped by XXXX points on XX/XX/2023, per Transunion Credit Reporting. I checked to see if someone had opened new accounts under my name or maxed out my credit cards but neither thing had occurred. My credit/debt ratio and utilization of OVERALL credit hadn't changed, the amount was relatively the same as it had been the previous month. In fact, with my paying down my car loan by {$300.00} the previous month, my credit score should have improved. 

I tried to reach out to Transunion and the only " Consumer Service '' they offer is a free copy of the credit report. There is no customer assistance available by phone or on their website for the customer to find out why their credit score would have a precipitous drop, and there is no mechanism to dispute the drop. Transunion 's drop of my credit score was mimicked by XXXX within 2 days. The XXXX point drop affects my car insurance rate and will have other cascading effects that are costly and deleterious. 

I believe there was an error in Transunion 's algorithm because there is no reason why my score went down. I request that Transunion check for system errors regarding my account specifically. If there is a reason for the drop in my credit score, I request to know the reason. Transunion should also advise me of any appeals process available to dispute dramatic changes in credit scores. They need to provide transparency to consumers on what formula they are using to determine credit scores. It's obviously no longer based just on debt/credit ratio and timeliness of payments on accounts over time, because my score would be XXXX points more if those were the only criteria.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' The consumer reporting agencies and I XXXX XXXX ( a living person ) the Consumer. I have the right to make sure my private information is not shared which is on your website backed by 15 USC 6801 states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information, I XXXX XXXX did not give written consent. 
Any and all consent to credit reporting agencies, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Credit reporting agencies are not maintaining reasonable procedures.
Product: Credit card or prepaid card

Apple locked my apple cash. A month ago it was locked because i was trying to send XXXX $ to a virtual wallet so i can purchase bitcoin online. It wouldnt allow me so it locked the apple account. Apple unlocked it and just last night i noticed my apple cash is locked again this time for no reason. Just called XXXX  today snd they told me its locked because of the issue that happened a month ago. I always get cash back from using their credit card and now they told me i wont be able to access the cash back anymore or use XXXX  cash and couldnt give a reason why
Product: Debt collection

I contacted the company via email and by phone ( can not remember dates ). I informed them that this debt is not owed due to a court hearing where the judge said that there was no money that was owed. I provided them with the court documents and all but they are still negatively reporting the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, I XXXX XXXX entered Into a consumer credit transaction TD/Bank Usa which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this TD/Bank Usa has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.

Bank can not lend money ....

In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.

A national bank has no power to lend its credit to any person or corporation. XXXX v. XXXX XXXX XXXX 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.
Product: Money transfer, virtual currency, or money service

Received notice of an escrow refund from Carrington Mortgage in the beginning of XX/XX/2024 for just above XXXX. After a month of not receiving the check I called the lender and requested they sent a new check in the beginning of XXXX. After not receiving the check in the month of XXXX I called once again and requested information for tracking or another means of receiving the payment. I was told the only way to send the check was via the USPS and they can not send a certified for tracked letter. Requested they send the check for the third time. After a week I went to my local post office hub facility to see if they received anything or if there is another way to locate the missing mail. They told me that since there is no tracking number there is no way for them to locate the letter.
Product: Debt collection

XXXX XXXX keeps calling after I have asked her to stop. I told her to only call a certain number & then to stop calling all together. She has been calling without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY XXXX FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. XXXX gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. TRANSUNION AND XXXX also as well have been continously sending me emails and furnishing things on my reports listed under " XXXX XXXX '' " transunion interactive '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''
Product: Credit reporting or other personal consumer reports

I noticed some inaccuracies on my credit report i brought it up to Transunion XXXX and XXXX they told me they were going to take care of the problem but they never did. its effecting my credit report and score.
Product: Mortgage

I was never in Forbearance or deferment with Wells Fargo in XXXX or XXXX. The company sent me a copy of 1 page that they said I signed. I did not sign this form. During all this time, in XXXX, they never contacted me. They did not send me any copies of letters that informed me I was in forbearance. They did not send me any notes or documented any phone calls between them and me.. They did not send me any letters that informed me of a forbearance for XXXX. I never received any snail mail, email, phone calls, text messages or any information that I was ever delinquent. I only learned about this from a letter I received from HUD this year, XXXX. I questioned it immediately to HUD. They referred me to Wells Fargo. This information needs to be removed from Wells Fargo immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple addresses and other false or in accurate information on my credit report With XXXX to the point where they won't let me file a dispute using the app anymore on those particular items. A caption that comes up every time It says a certain account is still reporting but if I tell them it isn't my account then why are they even letting it report? I did some disputes for XXXX & Equifax through the mail and both same results no luck with any of it. There is a lot of errors and inaccurate information on my credit report which is a total violation of the FCRP act. So I sent in a personal information update letter with my Current Personal Information. All was done was the added my new information with the inaccurate information that I've been trying to get off for the last 3 years or more. I filed a Identity Theft report and they still haven't removed any of the fraud or inaccuracies off my credit report and they fail to physically verify them also and will not delete them. Which is also a violation FCRP Act. They have no regard for the individuals whose information they make money off even if its wrong and it does slander the individual whose name is on the Credit Report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's, XXXX inaction violates federal law and my rights as a consumer. Accounts : XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I contacted Apple Card Support after getting a new XXXX and adding all of my credit cards to my wallet. I received a notification that my account had been closed when I added my Apple card. This seemed odd to me because to my knowledge it is illegal for anyone to collect an extension of credit. I received an extension of credit when I opened this Apple card by Goldman Sachs using my SSN. However, the error was probably caused by a mistake or a system error, so I contacted their customer support team. This big of a corporation wouldn't do anything illegal, would it? While addressing this situation with him, the customer service representative was very friendly and helpful. I was placed on hold for a few minutes waiting to be transferred to a supervisor. He came back and said to refer back to the email why my account was closed and that she couldn't provide any additional information. That wasn't a big deal to me, and I knew he and the supervisor didn't realize that collecting an extension of credit is illegal. Additionally, I asked her to keep it in the notes in case someone from the legal department or supervisor gets in touch with me. 18 USC 894 ( a ) ( 1 ) ( 2 ) Whoever knowingly Participates in any way, or conspires to do so, in the Use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX