23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have tried multiple times over the past several months to check the balance on some Vanilla ( XXXX ) Visa gift cards. These cards have been activated, have a PIN assigned and were able to make a purchase with previously. I know they work. The issue is the ability to check the balance on their website ( XXXX  ) NEVER works. ** I am not the only person who has this issue ** if you search online others have the same problem, Unable to get balance information and get a error on the website after putting in all the information on the card and correctly completing the XXXX XXXX an error pops up and no information on the balance remaining is provided. 
I have tried checking the balance * With an up to date I pad with up to date XXXX XXXX and it will not work. **I have tried a Up to date XXXX XXXX computer with XXXX and it will not work. *** I have tried on my phone ( XXXX ) with XXXX and it will not work **** I have tried on a XXXX XXXX using XXXX ( all updated ) and it will not work. I have tried on another XXXX XXXX with their browser XXXX and it will not work. ***** I have tried using a different IP address and it will not work. I have to wonder if it is deliberate so you have to get an username and password for them to collect more data from you ( email marketing ) or if they are running a scam to keep the remainder on the gift cards. There is NO reason why imputing a CC # with the correct Expiry date and XXXX digit security code after completing a captcha correctly for the system not to give the remanding balance. Try calling. They will not assist you without you having to give a name. I argued with them for several minutes. I would not be transferred to a supervisor unless I gave them a name. Why are consumers unable to easily check the balance on a giftcard they purchased without having to provide more personal information like a phone number, name, or email address?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter XX/XX/XXXX, to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, Experian is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : 60 60 60 High Credit : {$6000.00} {$6000.00} {$4900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$4900.00} {$4900.00} {$4900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Homepoint Financial is reporting my mortgage late XXXX  days as of XXXX XXXX. Mortgage was paid in full, closed on XX/XX/2020. This is preventing me from obtaining a new mortgage and risking excessive interest rate hikes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received unsolicited letter from Synchrony Bank requested identify verification for a XXXX XXXX credit product. 

Checked my credit report, and Synchrony Bank had done a credit inquiry through XXXX XXXX credit without my authorization. 

Called Synchrony turns out they have a special data interchange relationship with XXXX XXXX. Also a private label credit card. 

Synchrony XXXX apologized and said they would remove credit inquiry on my XXXX credit profile. Has not happened yet, it is still on my credit profile with XXXX. 

Synchrony and XXXX need to be bounced by the CFPB so as not to all them to illegally access consumer credit profiles without the consumers permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Consumer Loan

In XXXX XXXX I was discharged from my job and I could no longer make payments because I was unemployed. I started working in XXXX XXXX and have been harassed and talked to very disrespectfully. I have been told I would be sued and my wages garnished. I had a payment plan of {$95.00} a month but I was only working parttime beginning XXXX XXXX so I could not afford full payments. Security has refused to accept partial payments and still refuses to accept $ XXXX monthly till my account is paid in full.
Product: Money transfer, virtual currency, or money service

My company is an electronic part company XXXX XXXX XXXX in XXXX, XXXX ( I am the owner ) and would like to purchase XXXX XXXX XXXXXXXX. they told me they can provide the brand new parts ( XXXX XXXX XXXXXXXX but this part number is phased out in XXXX, which I did not know that, ) And they can do the delivery after full payment right away. I wired the money to their bank account in New York. Account name : XXXX XXXX XXXX Account Number : 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 After the full payment wire, they delivered the counterfeit parts of XXXX  to us, the label and box are all fake. Please help me to get back the money and punish this company. JPMorgan Chase Bank also can not help me.
Product: Credit reporting or other personal consumer reports

I reported a fraudulent account that was opened in my name. After XXXX did the investigation, the results that they came up with was that, there was a payment made from a XXXX XXXX account which under my name. 

Im requesting for a re-investigation because I do not have an account with the so called bank. Its either XXXX  is not doing their investigation right or coming up with wrong feedback or even making something up. I have sent an identity theft report including a police report to XXXX  and XXXX  is still not removing this account from the credit bureau. After there is no resolution, Im going to sue because your investigation is not accurate and this is typical wrong doings to people of XXXX after I spoke to XXXX  multiple times on the phone.
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  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 card or prepaid card

I received an email advertisement that I had won a free watch and I had to pay {$4.00} shipping. Instead the company charged me {$71.00}. I contacted my credit card company Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Telephone number is XXXX and their website is www.capitalone.com/support-center/contact-us. 
I am a XXXX XXXX and a XXXX XXXX and XXXX  XXXX XXXX, After I contacted the credit card company they sided with the XXXX XXXX XXXX the MERCHANT on this UNAUTHORIZED TRANSACTION. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission and the Attorney General Fraud Division, Consumer Financial Protection Bureau and US Treasury and file a complaint about this. 
I should NOT be responsible for any charges that I did NOT AUTHORIZE. After I notified the credit card company of this UNAUTHORIZED transaction, they CLOSED the credit card and ISSUED me a new one. If they thought there was NO FRAUD, why issue me a new credit card when I reported this unauthorized transaction?
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. On XX/XX/scrub> 2023, an account appeared on my credit report for a debt of {$230.00}, and again on XX/XX/year>2023, for {$310.00}. 

According to **15 U.S. Code 1692c**, if a consumer notifies a debt collector of a dispute regarding a debt, the collector must cease all communications until the debt is validated. Additionally, under **15 U.S. Code 1692g**, the collector is required to provide written verification of the debt. Furthermore, **15 U.S. Code 1681e ( b ) ** mandates that any information reported to credit bureaus must be accurate and complete.

It has come to my attention that this account has been reported multiple times for different amounts without proper validation. The debt collector has refused to cease all communications despite my notifications, which raises serious concerns about compliance with these laws.

I request that your office investigate this matter and take appropriate action to ensure my rights are protected.
Product: Credit reporting or other personal consumer reports

I am requesting your help in regard to this inaccurate account being reported on my credit report. I have raised this concern because this has been damaging my reputation and I need your help. Your improper handling of my credit report had me on my knees because of your inaccurate reporting my reputation was destroyed. You must remove these inaccuracies so I can live with my family.
Product: Student loan

XX/XX/XXXX Consolidation of loan. XX/XX/XXXX Only XXXX principle paid since XXXX. Will retire before loan is paid off.
Product: Checking or savings account

I sent a signed request through XXXX to close my Synchrony CD on XX/XX/XXXX. The CD matured on XX/XX/XXXX. This was my account number XXXX. XXXX followed through and posted that the transfer was in progress ( I have documentation ) and was scheduled to be transferred on XX/XX/XXXX. 

I checked with XXXX on XX/XX/XXXX to see why my funds were not in my account and was told they were not successful. The bank wanted to " hear from me '' I have transferred many accounts through the years. Transfers that are clearly written and signed NEVER have a problem. Until now. 

I can not have an on line account with Synchrony because they " no longer support my browser '' I am forced to push several buttons and call the toll free number. The rep told me that my CD was rolled over and that it would involve a substantial penalty if I now attempted to close it. I closed both my accounts -- -figuring he was misinformed. No bank would attempt this. 

I was wrong again. They took a substantial amount out of the check they sent me. No accounting was sent ( it was {$110.00} less than my last statement balance -- no accrued interest ). This is a lot of money to me. 

I must be liquid and safe. The bad news is that I own 2 brokered CD '' s from Synchrony in my XXXX account. Something to worry about later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from several credit monitoring services for a credit card application/ID verification that I did not submit for Comenity CB/ULTA MC and Alliance Data on XX/XX/2023 XXXX 

I called Comenity to report fraud on XX/XX/2023, and they should have denied the application.
Product: Mortgage

Unfortunately, it appears the only way to get a timely response from Freedom Mortgage is through an official complaint to a government agency, since they do not regularly response to messages sent on their on message center. Even with an official complaint filed, Freedom Mortgage is still extremely slow in fully resolving issues. Yes, they finally removed the unwanted escrow/impound account and refunded half of the prepayment amount, for a refinance plagued with issues. However, they still have not refunded the {$2000.00} ( Escrow from previous loan ), the {$2000.00} extra mortgage payment that was processed on the previous mortgage ( allegedly they processed this refund on XX/XX/XXXX but we still have not received the funds ), and for some reason they assessed two fees with no explanation to the closed mortgage, {$170.00} on XX/XX/XXXX and {$190.00} on XX/XX/XXXX. 

Again, I am having to file a complaint in order to get a refund of the {$4000.00} and requesting an explanation of the {$370.00} in fees.
Product: Debt collection

I do n't know if I completed the correct box but I truly need help with Real Time Resolutions and do n't know where else to turn. I have disputed with the company and with the bureaus and nothing has been resolved. Realtime Resolutions received an account from XXXX XXXX XXXX and even the results I received directly from the bureaus indicate the loan was transferred not sold but actually transferred. They charged off a balance as per the response in the amount of {$49000.00} back in XXXX 2011. Realtime resolutions then starts to report the account starting at 180 days past due. Not a collection account but an open account with a balance of {$63000.00}. Also a past due balance being different than the current balance. How is that even possible? If the first company charged it off then why is the second company showing late over 180 days. By the looks of my credit report they just charged it off last month. How can they hold a charged off account from one company for over 5 years then charge it off again? Then to make matters worse XXXX XXXX XXXX shows in the payment history as having a balance of {$49000.00} as of XXXX. This seems to be a huge scam! It appears as though 2 mortgages were charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$310.00}.
Product: Debt collection

I 've never filed for Chapter XXXX Bankruptcy ; and this debt is not even mine ; This needs to be immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TOYOTA MOTOR CREDIT ACCT XXXX XXXX XXXX XXXX XXXX You are in direct violation of The Fair Credit Reporting Act ( ACCT # XXXX, ACCT Name : TOYOTA MOTOR CREDIT ) , has violated several of my constitutional rights. 

15 USC 1681 SEC. 602 A, Rights to Privacy.

15 USC 1681 SEC. 604 A, Furnishing account without my written consent.

15 USC 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

According to these USCs, I hereby demand these late payments be removed and update this account with immediate effect due to violation of The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer on multiple instances, I have written several letters to XXXX TransUnion, and XXXX exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, TransUnion, and XXXX are in violation of the FCRA.

I will upload the letter, I received from the U.S BANKRUPTCY COURT confirming that they do not report information to XXXX, TransUnion, and XXXX. in addition to a letter from XXXX  confirming my file with them is and was locked when XXXX, TransUnion, and XXXX claimed to have verified information through them, which is illegal and against the law. Along with the complaint letters I sent to XXXX, TransUnion, and XXXX.

" I'm asking that the CFPB assist me in this matter because XXXX, TransUnion, and XXXX has violated my rights to the fullest and this matter has affected my life in the worst way.
Product: Payday loan, title loan, or personal loan

This company has engaged in a very deceptive, predatory loan practice. I am being charged interest of {$7900.00} on a {$7000.00} loan. This was not clearly outlined in the online process and all of the payments so far have barely moved the outstanding balance. I have contacted the company many times with no response. This loan needs to be review and adjusted. My account number is XXXX. Loan with this type of interest should be illegal as this is equivalent to an online payday loan which is not legal in the state of Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times about the derogatory marks on my reports which include XXXX  ( XXXX  XXXX  in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) Equifax ( XXXX amount : {$670.00} ) and XXXX  ( XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.
Product: Mortgage

Dovenmuelhle Mortgage bought my Mortgage from XXXX XXXX. XXXX XXXX. or XXXX, that bought my mortgage from another company ( XXXX XXXX XXXX ). All this happened in less than two months. Dovenmuehle is now sending me certified letters and daily mail saying that I am in default of my loan. ALL the payments were made on time for my loan. I paid XXXX XXXX on XXXX XXXX, XXXX for XXXX as they still owned my loan to the best of my knowledge. On XXXX XXXX I paid my mortgage for XXXX to this other company ( I have bank proof as the payment was made online : XXXX XXXX XXXX XXXX   ). Some time in XXXX I found out the loan was sold once again. The original mail was sent to a very old address and I only got this notice very late as the post office forwarded the mail. Once I figure out the new company I paid them ( XX/XX/XXXX ) through an online account I created. Since then I have made every payment before the XXXX of the month. Yet, after like 15 phone calls where I am assured all is good, I continue to receive very threatening letters. I faxed the information about previous payments and who they were made to them on or around XX/XX/XXXX. I keep calling and calling but nothing gets solved. They still think I own money that the other company ( XXXX XXXX or XXXX. XXXX. XXXX XXXX ) should have paid them as I paid them and on time and proof of those payments was faxed to them. I really need help. I worry so much about bills that were already paid and I did NOT choose this company. I pay all my bills on time and now my credit is ruined because of the lack of organization of this company. I hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

TransUnion refused to provide a copy of my credit report. The need more data - Like : a bank statement, copy of a SS card, copy of a birth certificate and on and on. XXXX did send a report, the data I supplied was good enough for them.
Product: Credit card

There is a purchase for {$41.00} from XX/XX/XXXX on my Bank of America XXXX XXXX credit card. I was trying to enter in a promo code and instead it pushed through the transaction and they use an app called XXXX, so it already had my credit card information in there. I was unable to enter the promotion code to reduce the cost, and the promotion code was legitimate. And more importantly I was not able to enter my correct address to where I needed this merchandise shipped. Immediately after this, I contacted the merchant through their website and through email, and they still have failed to respond. Then when I called Bank of America which it took forever to actually reach anyone, they said that their system was down and that I could do it online. No theres no way to do it online. I am a XXXX XXXX and Im not geriatric I know how to use a computer theres no way to file the dispute online or over the phone, this is unacceptable and they need to be fined. Thank you very very much. Please shut them down.