23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I walked into a Kay Jewelers to purchase a gift for my daughter. Upon making my selection the representative was trying to sell me on their credit card, given I had a great credit history with them this would only be a " soft pull '' and would not impact my  cre  dit score i n any negative way. I informed him I 'm in the process of purchasing a home and any negative inquiries would reflect bad. The representative talked to the store manager and both assured me its a soft pull. I proceeded with the transaction and within a couple hours I received an email from  XXXX  notifying me of the hard pull. I was furious and complained immediately, and the representatives apologized as they misinformed me and offered me a {$50.00} voucher upon making a {$150.00} purchase to serve as compensation. This clearly did not help. I escalated this further to their customer service management in their call center and they offered me a {$50.00} gift card, which I declined as I 'm not looking for monetary compensation, I 'm looking for this hard inquiry to be removed. Everyone agreed the store is at fault, however they are not willing to correct the error. This is a UDAAP violation at best and potential FCRA violations as they conducted an unfair, deceptive and and misleading practice, which impacted me  ( monetary ) as I  'm trying to purchase a home and now my score has decreased!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date XXXX since then the account has repeatedly been updated as charged off every month. 
A charged off account shouldn't include an active payment history this inaccurate information falsely manipulates the statute of limitation please investigate this account properly after i asked you to do it Twice and your neglect has violated my rights, I am demanding a deletion of the following accoun. Account XXXXXXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have been attempting to use my funds on an Amex Gift Virtual Card since XX/XX/. The first time I used the card was on XXXX, and the transaction did go through, but shortly afterwards I received a notice on XXXX  that due to security measures I could no longer use the card on the app. Since then, I have tried to make purchases with the card on XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and numerous online retailers. Each time I try to use the card, the transaction either immediately doesn't go through, or I receive notice that the funds could not be accessed and the card was declined. I've spent numerous hours on the phone with Amex 's card service representatives to try and get the issue resolved. 

I've asked if they could send me a physical card, if they could provide me a list of businesses the card does not work for ( or a list that card does work for ), if they could give me a name or Zipcode that I can utilize for purchases with the pre-paid e-giftcard The representatives have stated that they can not help any further and that I just have to " keep trying the card at different businesses until it works. '' The card does not work because there isn't sufficient information to surpass security measures utilized by physical and online retailers. I've asked Amex for my money back, but they have declined.
Product: Prepaid card

I am filing a complaint against American Express Gift Card Company and American Express Company ( as licensor and issuer of American Express Gift Card ) for unfair business practices, fraud and unjust enrichment consumer financial credit activity.. 

On XX/XX/23, I ordered XXXX American Express Gift Cards totaling {$1400.00} ( with fees ) from American Express Gift Card Company using my American Express Card. Package was delivered by XXXX on XX/XX/23 BIT PACKAGE WAS EMPTY ). Immediately called American Express Gift Card Company customer services. Subsequently I learned from an American Express Gift Card Company customer service supervisor that at least XXXX of the XXXX cards were used on XX/XX/23, THE DAY BEFORE I RECEIVED THE XXXX XXXX ). American Express Gift Card Company claim # is XXXX ( note on XX/XX/23 the supervisor I spoke with told me the original complaint number i received on XX/XX/23, XXXX, was given incorrectly by the original representative ). According to American Express Gift Card Company records, on XX/XX/23, they left I message if I wanted refund or new cards. On XX/XX/23, I called and spoke with rep and told I wanted a refund. No response to my request and on subsequent request for the refund.. 

Since the XXXX cards purchased on my American Express Card, I filed a dispute with American Express XXXX XXXX ). American Express closed the dispute and told me I had to deal with American Express Gift Card Company. I re-opened the dispute telling them I had tried and failed to deal with American Express Gift Card Company. They again closed the dispute and I have had to re-open it several times because they keep on closing the dispute indicating I had to deal with American Express Gift Card Company, It is clear the cards were stolen before I received them and possibly internally in American Express Gift Card Company. Both American Express Gift Card Company and American Express Company have failed in their financial credit responsibilities. And they have not refunded me as they asked on XX/XX/23 and I first requested on XX/XX/23. 

A full history of the situation and my efforts to resolve are in the enclosed document and attachments.
Product: Mortgage

XXXX XXXX who held my mortgage went into bankruptcy and LoanCare took  over my loan as of XX/XX/XXXX. I made 2 payments to LoanCare through XXXX  XXXX XXXX Bill Pay on XX/XX/XXXX in the amount of {$1700.00}. and also XX/XX/XXXX in the amount of {$1700.00}, but they posted to my old acct # I had with XXXX . I have made more than bi monthly call to LoanCare explaining what happened and trying to get this resolved. They did a reversal of 1 payment and posted it to my account on XX/XX/XXXX but never posted the second payment. I faxed them copies of the bank transmittal from XXXX  XXXX XXXX showing them the Electronic File Trace Numbers on XX/XX/2019, XXXX XXXX, per a supervisor named XXXX 's instructions telling me this would take care of the problem. It was never taken care of. Since XX/XX/XXXX I have sent every payment certified mail return receipt so that I have proof of payment. I call every couple of weeks and get the run around they tell me they will fix the problem and call me back and no one ever does. I get monthly delinquent notices from them, they have reported me monthly to credit bureau as delinquent, when I have made every payment to them in a timely manner and my credit is being destroyed. They raised my payment because they said my escrow is insufficient when if they would just post the payment that would not be the case. I reported them to the XXXX XXXX, after that I received a letter from LoanCare saying they would look into the problem. There were ( 21 ) attempts on XX/XX/XXXX, on my account to rectify the problem and in the end all that happened was my principal amount owed to them changed {$5.00} in there favor. i DONT KNOW WHAT ELSE TO DO!! I feel like they are stealing my money and ther is no accountabilty on there part.
Product: Credit reporting, credit repair services, or other personal consumer reports

early warning services provided me with a copy of requested consumer report. Consumer # XXXX was sent. After careful review of the FCRA, FDCPA protections for consumers, early warning services is in direct violation of Title 15 UCS 1681b ( 1 ) ( 2 ) PERMISSIBLE PURPOSES. EARLY WARNING SERVICES DOES NOT HAVE A FEDERAL COURT ORDER, OR WRITTEN PERMISSION FROM THE CONSUMER TO HAVE SUCH REPORT COMPLIED AGAINST CONSUMER. EARLY WARNING SERCIVES HAVE VIOLATED PRIVACY LAWS IN REGARDS TO CONSUMER PRIVACY. 
EARLY WARNING SERVICES HAS AN AGREEMENT WITH THE INDIVIUAL BANKING INSTITUTIONS BUT NOT WITH CONSUMER. CONSUMER HAS NOT GIVEN AUTHORITY TO ANY BANKING INSTITUTIONS TO DISCLOSE ANY OF MY CONSUMER DATA. ACCORDING TO THE TERMS AND CONDITIONS AND AGREEMENTS CONSUMER MADE WITH XXXX, XXXX XXXX XXXX, XXXX ( CLOSED ) AND XXXX XXXX STATES ALL CONSUMER INFORMATION IS PROTECTED AND WILL NOT BE GIVEN TO THIRD PARTYS. EARLY WARNING SERVICES IS A 3RD PARTY COMPANY. HOLDING MY INFO IS IDENTITY THEFT AS I DID NOT GIVE PERMISSION. CONSUMER HAS RECORDED AT LOCAL COURT HOUSE A VALUE FOR ALL CONSUMERS DATA. CONSUMERS DATA IS CURRENTLY ON RECORD TO BE VALUED AT XXXX USD DOLLARS PER MIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did XXXX and have been going in a big circle with trying to get theses unauthorized inquiries off.
Product: Credit reporting or other personal consumer reports

XX/XX/year> According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " You are a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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. '' the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to YOU, whether it be verbal, non-verbal, written, implied or otherwise is revoked. These accounts ; XXXX XXXX XXXX - {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX  XXXX XXXX {$580.00} ; XXXX  XXXX - {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} are an adverse item they are reporting again without my permission which 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. c YOU are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please remove these ; XXXX XXXX XXXX - {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX  XXXX XXXX {$580.00} ; XXXX  XXXX - {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} items from credit report and mail an updated copy of report free of charge : in good faith
Product: Mortgage

I requested a modification, and it was ignored. 
I requested another modification and I was told I was missing a document but was not told what document was missing. 
I did a third modification which was finally closed on XXXX XXXXXXXX XXXX. The modification took almost six months. I made the payments on the modification as stated, but I was not being credited for the payments on my statements. 
Just 5 months after I closed my modification I was informed that there was an extra {$71000.00} they forgot to include in the modification and now I had to pay it right away. My payments were returned to me. However, no one at the call center saw the same numbers and only accepted payments of the old amount. 
I do not understand how they all of a sudden the mortgage company, who determined the amount owed, found an extra {$71000.00} for me to pay. 
Why was my payment not being credited to my monthly amounts, and instead being credited to old amounts so it did not look like I was making payments? How could I be reported to the credit bureau when I was making payments.
Product: Credit card

My credit card with Barclays XXXX XXXX was stolen in XXXX and multiple transactions were made. I did not notice the card was stolen because I had no notifications of it being used like other credit card companies do. I noticed that I had a payment due on the card in XXXX on XX/XX/year>, which was strange because I hadnt used the card over 5 months. When I saw the statements I called them to let them know there was fraud on the card. They said they would open an investigation XX/XX/XXXX. Now in XX/XX/XXXX I am still disputing the charges. I have asked to send them documentation of my own transactions so it can show I was in my own city and they said they cant use that information. My credit score has now been affected, showing I have a high balance on my cards, Im getting charged high interest charges. Im making payments on the card that are over {$180.00} dollars and its not going towards the amount that I have used for my own personal transactions but to the fraud charges.
Product: Mortgage

During XX/XX/2022 I refinanced my house and Suntrust administered the mortgage. At the time the mortgage was taken out, my mobile number was XXXX, and my email address was XXXX. Neither my mobile telephone number nor my e-mail address have changed. 

I then received emails notifying me that Suntrust had become TRUIST. 

On or before XX/XX/2022, I changed my address of record by logging into my mortgage account online with TRUIST to my current address which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/2022, the mortgage balance was paid in full. 

On XX/XX/2022, I called TRUIST to inquire about my escrow funds. The person I spoke with said the funds were sent to my old address where I no longer live, and that they did not have my email address or my mobile number that had been provided at the time I took out the mortgage. 

I asked TRUIST to place a stop pay on the escrow check and send it to me at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and again provided that address a second time by telephone. 

To date, I have not received my escrow funds that are more than {$10000.00}, nor has anyone at TRUIST attempted to contact me to tell me the status of why I have not received these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.C.sec 1681 Pursuant to 15 U.S.C.sec 1681c-1 ( A ) I the consumer have the right according and under the Fair Credit Reporting Act ( FCRA ) to have any fraud alert removed. I want the fraud alert that has been placed on my credit file removed. I'm attaching appropriate proof of identity for such purpose.
Product: Mortgage

I bought a house and got Everbank to to service the loan. I was supposed receive a credit ( loan origination fee, etc., were supposed to be waived ) for choosing Everbank. This is shown on the original HUDXXXX that was sent to me by the Everbank loan officer two days prior to closing. When I reviewed the HUDXXXX at the actual closing, the numbers were different. They had taken all the credit OFF of the new HUDXXXX form. The loan officer, who was present at the settlement, called his bank, and they were supposed to refund the money ASAP. This was in presence of the loan officer, title attorney, seller, buyer ( myself ), and their agents. 
Is has almost been a month since this closing date and I have not received the check. I have had to call multiple customer service. They have been less than responsive and totally put it on ME to work to get this refund which was promised to me ( really ridiculous given that this check was supposed to be mailed out the day after closing ).
Product: Credit reporting or other personal consumer reports

This serves as my twelfth attempt and a subsequent follow-up to formally address the ongoing issue regarding my identity theft victimization. I hereby submit this complaint to dispute the inclusion of certain items in my credit file, specifically those resulting from the aforementioned crime. It is crucial to note that the contested items do not correlate with any transactions authorized or initiated by myself for the acquisition of goods, services, or monetary transactions. I respectfully request the removal of the aforementioned accounts and associated information from my credit file, as they are a direct consequence of an alleged identity theft incident. Enclosed with this complaint is my recently filed FTC report # XXXX for your reference and necessary action. The details of the disputed accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$2000.00} -- -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}. These accounts are entirely unfamiliar to me, and I harbor significant doubts regarding their accuracy, particularly considering their deletion from other credit bureaus. The reported payment history associated with these accounts remains shrouded in uncertainty from my perspective. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, and pursuant to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items identified by a consumer as stemming from an alleged identity theft, not later than four business days following receipt of such identification.
Product: Mortgage

We had a 2nd mortgage which was sold several times and ultimately was sold to XXXX XXXX. During the recession XXXX we applied for mitigation of the second mortgage with them because our home was underwater ( still is ) and we were being harassed by telephone, mail and even had their representative come to our house several times and threated my mother in law. I filed a complaint and the harassing stopped at which time the mitigation was addressed and we made one final payment and the balance was forgiven as the mortgage company was given federal funds to settle cases like ours. 
I am extremely upset at this resurfacing 7+ years later through ditech which has been non responsive and disrespectful not acknowledging the fact that the 2nd mortgage was released by XXXX XXXX so many years ago. This has resurfaced and ruined my credit. We have made several attempts via calls and correspondence to communicate with Ditech Financial, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX account # XXXX As a consumer we have no control over the secondary market selling bad paper to companies like Ditech . XXXX XXXX sold our closed 2nd mortgage file to Ditech for pennies on the dollar and now they are ruining my credit and harassing us to acknowledge a debt we do not have for a 2nd mortgage on a house that is XXXX underwater.
Product: Payday loan

This payday loan was paid, I have no receipts to back this because my husband passed away and family removed all my personal documents of ours because of us being separated they turned against me and our children. This is an issue that just popped up on my report recently and it took points off my score this needs to be removed immediately it 's been since 2008 that I did any loan
Product: Mortgage

I purchased my home XX/XX/XXXX. I have a FHA loan. My Mortgage company was XXXX, and I had never made a late payment. In XXXX XXXX, XXXX sold my loan to Freedom Mortgage. On XX/XX/XXXX, due to XXXX, my cosmetology business was mandatory shut down for XXXX months. I still have not been able to re-open. I had to file bankruptcy in XXXX XXXX, but kept my house. My bankruptcy attorney at that time asked me if I wanted to go into forbearance with Freedom Mortgage and I said yes, but I did some research on Freedom and discovered they had been sued multiple times for fraud and I told my attorney that I did not trust them. He asked if I wanted him to contact them to arrange the forbearance and I agreed to this. On XX/XX/XXXX, I called Freedom Mortgage and spoke with XXXX. She said she is a supervisor and her badge ID # is XXXX. I told her that I want to come out of forbearance and that I want the new XXXX Advance Loan Modification that I read about in the Mortgage Letter dated XXXX XXXX from XXXX. I told her I could not make a lump sum payment on the back payments or keep the high monthly payments and this loan modification would help by putting the back payments at the end of the loan and would lower my monthly payments so that I could start paying again. She said they would get the necessary paper work started, but have done nothing but lie and harass me for XXXX months now. Since that time, I have had to file complaints with Errors and Omission, The XXXX and Mortgage XXXX XXXX, XXXX and FHA because XXXX refuses to do what I asked. As of this date, still nothing has been done. 
I knew that I did qualify for the XXXX Advance Loan Modification based on the guidelines in that HUD Mortgage XXXX but XXXX XXXX not do it. Last month, on XXXX, Freedom Mortgage taped an envelope on my front door that says, '' XXXX XXXX XXXX ''. Inside this envelope is a letter that said I was approved for the loan modification and to sign a XXXX page document, notarize and mail back to them. I could not believe this. What mortgage company tapes a personal letter on the front door of your house???? The loan document had false dates, false dollar amounts, false information, false statement regarding my bankruptcy. In my opinion, this was fraud so I called my bankruptcy attorney and sent him the papers. He advised me not to sign them. I think Freedom Mortgage is taking advantage of me because I am a XXXX XXXX XXXX woman that does not have the money to hire an attorney to sue them. They have caused me to be physically XXXX Over this past 5 months, I had to go to the emergency room hospital twice because of the stress they are causing me, and I have doctor bills I cant pay. And now, due to Freedom Mortgage playing games, lying, and fraud, the deadline for that XXXX loan modification that I qualified for and asked for back in XXXX, has expired. I have over a XXXX pages of documents dealing with Freedom Mortgage that verifies I did everything the way I was suppose to and they did not. I will attach the document they wanted me to sign showing false information, to this complaint. I can mail any of the others if needed. Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXXXX/XX/year> {$2700.00}