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

I have two prepaid ( general purpose ) visa cards. On the card it says " FUNDS DO NOT EXPIRE ''. However, the two cards do have expiration dates which have passed. 

I logged onto their website and tried accessing the remaining balance. The balance shows that I have funds on both cards but that since the card is expired I can not use it. 

I tried calling the customer care but it is an automated system that does not offer any resolution and no other mode of contact. There is no way to use my funds and no way to contact the card company.
Product: Credit reporting or other personal consumer reports

I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Persuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

On XX/XX/XXXX there was an auto taken out in my name that I wasnt familiar with. Its from XXXX XXXX XXXX in the amount of {$10000.00}. Now, Ive called and called about this matter. I was told it would be taken off my credit back in XX/XX/XXXX when I called the bureaus. Then, last month I was told it would be taken off due to Statute of  Limitiations ( SOL ) of debt reporting in Michigan is 6 years. This account is 8 years old. This company uploaded a random payment that I DID NOT make in XXXX. XXXX XXXX XXXX XXXX such a fraudulent company!!! Please remove this from my 3 credit bureaus, for it says by law, that 6 years is the max amount of time debt reporting can report to your credit. Also, XXXX XXXX opened XX/XX/XXXX with a balance of {$760.00}, which is way beyond Statue Of Limitations reporting. There are 2 fraudulent debt collections from XXXX XXXX in the amounts of {$260.00} & {$250.00} that dont belong to me at all.
Product: Prepaid card

On XX/XX/XXXX, I received three {$100.00} Vanilla Visa gift cards ( total {$300.00} ). I attempted to use the cards at a spa, a grocery store, a restaurant, on XXXX and a clothing store, and the cards were repeatedly declined. 

I contacted Vanilla 's customer service and requested a refund for all three cards ( {$300.00} ) and to date ( XX/XX/XXXX ), I have only received {$100.00}. I have called repeatedly for the remaining {$200.00} refund, and they essentially say that the " check is in the mail ''. 

Today XX/XX/XXXX, I spoke to a " supervisor '' named " XXXX '', who won't tell me her last name, won't transfer me to anyone on the leadership team, won't call or email me with a status of the refund check, and insist that I call back in 48 hours to see if the {$200.00} refund was processed.

It shouldnt take over four months to issue a refund check. This is outrageous and the company should be investigated for fraudulent activity.
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. XXXX : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX DEPT of Education/XXXX : XXXX. 
I looked at my Transunion credit report on XX/XX/year> and noticed errors and information that is not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or delated from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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: Debt collection

XXXX XXXX, XXXX, and XXXX  have $ XXXX Government Student Loan Reporting on my credit report which is not true and misrepresentation of Federal Truth In Billing Act and FTC law. Proof attached for wrongful recording on my credit report attached. All my government student loan current.
Product: Credit reporting or other personal consumer reports

this is a formal complaint in regards to a charged off/ Writing off accounts from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inaccurately reporting on my credit report, I have filed disputes with XXXX, Transunion and XXXX and they failed to resolve the matter, ACCORDING to15 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. XXXX and XXXX are not maintaining reasonable procedures.
Product: Debt collection

I have received phone calls and correspondence from a collections company ( Credit Corp Solutions ) attempting to collect funds for an account associated with one of my emails. I never created or opened an account with the source company ( XXXX ) with that email and have confirmed that with XXXX. I have submitted a fraud affidavit and am taking needful alert steps on my credit report. It's a small amount. This entire situation doesn't seem to make sense.
Product: Credit card or prepaid card

To whom it may concern, I recently applied and received an Edward Jones credit card with the promotional promise of 0 % transfer fee and 0 % interest charge on the first 12 billing cycles. However, on my most recent statement on XX/XX/2023, I saw an interest charge. I contacted customer service on XX/XX/2023 regarding the interest charge and was told that they reverse this month 's interest charge but that they would be charging me interest moving forward. I would like the company to honor the promotion promise of 0 % interest charge on purchases for the first 12 billing cycles.
Product: Debt collection

There is a company calling with different numbers saying they are a tax debt relief service. I currently work directly with the IRS and HAVE REPEATEDLY told them to stop contacting me. Sometimes they call me 3 times in a row without fail. When I tell them to stop they just ignore me and keep doing it. Please help me. My number has been registered several times including all the way back to 2004. I would like these calls to stop immediately. 
They use numbers like XXXX and XXXX and so many more. 

Thank you for your help with all of this.
Product: Debt collection

I have accounts thats been removed from my credit file due to identity theft. I sent supporting documents along with a police report. My credit report was then cleared. However months later the companies sold the debt to new companies for the same debt and it has returned. The two accounts that have returned are. 

XXXX Name : XXXX XXXX  Account XXXX Original company : XXXX Debt amount : XXXX XXXX Name : Southwest credit systems Account XXXX Original XXXX XXXX XXXX Debt XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 XXXX, Trans Union and XXXX. 
XX/XX/22 XXXX XXXXXXXX XX/XX/22 Trans Union XX/XX/22 XXXX
Product: Credit card

I was given a card with {$3000.00} limit about two years ago when my credit was very good. I used the card to help build my current business, it did not take long to max it. I had been paying my bills ontime for over a year no problem, then i dicided to increase my payment to {$100.00} a month from 60 ; shortly after they made it mandatory. My problem is I notice my balance wasn't going down when I called and complained they told me my interest increased 70 % because of XXXX XXXX. Now when I pay XXXX dollars basically none of it is going to my balance! I don't know how they expect someone to pay them with no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our home with One company and they sold the loan to RoundPoint in less than 30 days with out our knowledge. RoundPoint called us and said they were out new mortgage company but never properly officially notified us. We were under the impression their calls were scam or fraud. They reported us late payment after 30 days to all credit bureaus. It was a big misunderstanding. RoundPoint has refused to remove late payments from our credit reports
Product: Mortgage

My Complaint is with Select Portfolio Servicing , Inc. and Me. XXXX XXXX the Manager of the Ombusman Dept., I have been for ( 9 ) months sending documents to SPS to get a answer on if they will accept a buyers offer on the Condo, I 'm trying to Short sale for ( 9 ) months and can not get a answer XXXX XXXX said on XX/XX/XXXX that he would have an answer with in 24 to 48 hours it is now XX/XX/XXXX, XXXX, I have left message and I 'm always told he is in a meeting. 
I have received as of today a letter dated XX/XX/XXXX, requesting a profit and loss for ( 3 ) months they have almost a years of them, but I did send them. also asking again for Social Security awards letter I have given them one for the year, I have tried to explain that the XX/XX/XXXX awards letter will not be out until XX/XX/XXXX Taxes have been done and then I will get and give them XX/XX/XXXX, award letter!!!! ( the Soc Security comes goes auto into my bank, and SPS has all statements for ( 9 ) months ) which matches my XX/XX/XXXX award letter they have. 
the other documents is a PRE HUD that the title company has redone ( 4 times all different times ) goes back and forth takes weeks changes to lines XXXX, and XXXX,XXXX,XXXX, now on line XXXX they wanted to know what the exhibit is so the title company broke it down it is from the association dues, ( which do not have anything to do with the acceptance of the Buyers offer to purchase the condo, and to give me a answer if they will except the offer. 
SPS has told me to have line XXXX removed off the Pre Hud, the Title Company can not just take off lines??? 
I hope this answered your request for more documents, and now you can do the job of reviewing my Short sale request! 
There is one Document I have been asking for, as you know this property has a XXXX lien it is with XXXX, they need from SPS the approval letter this needs to be " the full payoff '' they need it for there Calculations, they also can only keep the file open for 30days. so I 'm asking again for this document, or XXXX XXXX can not complete the approval for the short sale. 
Thank you
Product: Student loan

Hello, I hope all is well. I know that on XX/XX/XXXX, Attorney General XXXX XXXX announced that nearly XXXX Pennsylvania students who attended XXXX XXXX XXXXXXXX between XXXX and XXXX will receive discharges of loan balances as part of a recent federal action to discharge more than {$6.00} XXXX in student loan debt nationwide. 

I XXXX  the XXXX XXXX XXXX XXXX from XXXX - XXXX. XXXX XXXX XXXX XXXX XXXX I signed up for whatever loans the XXXX XXXX told me to sign up for. It was a struggle, but I have since paid off all of my onerous loans ( selling my house to do so ). 

Please help me get a refund of all the money I paid to this fraudulent institution. I thought it was a legitimate college, since I could get Federal loans approved to attend. However, I'm now being told that I will not get any help based on the type of loan I had signed when I was just XXXX XXXX XXXX. 

Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 - Reading a learning what i will need to do to protect myself after the recent hacking of Equifax. I do not know how much time and effort this will take and i 'm very scared about it.
Product: Debt collection

For the last couple of weeks, we have received calls from UCI stating my wife has a debt. We have caller ID and do not answer calls from unknown parties so the call is recorded. We owe no debts and have received no mail notices from anyone about any unpaid bills. The calls are coming from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for months to access my credit report through my account at service.transunion.com and have not been able to do so. I have not been able to utilize the account in any capacity. I have spoken with representatives and they have not been able to resolve the issue. They have taken my number and not followed up on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$420.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$590.00} ), XXXX XXXX XXXXXXXX, ( Date Opened : XX/XX/XXXX, Balance : {$12.00} )XXXX XXXX XXXX ( Open Date XX/XX/XXXX, XXXX XXXX {$1000.00} ), XXXX XXXX ( Open Date XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXXXXXX ( Account XXXX XXXX, Open Date XX/XX/XXXX, High Balance {$6800.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these account. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called transunion to dispute information on my credit report. Was told that they are experiencing higher than average call volumes. It was XXXX in the afternoon on a monday. This seemed unlikely to me, so when I got an agent I asked if they had some sort of report they could give me to verify they actually are experiencing higher than average call volume, and that they system was not just lying to me right from the start. Afterall, that would be indicative of a bad actor, and I don't want to engage with a bad actor. The agent then hung up on me. This wasted 12 minutes of my time.
Product: Vehicle loan or lease

Chase Auto Finance denied a refund of my XX/XX/XXXX {$400.00} lease payment period for the month of XXXX, after I returned the car XX/XX/XXXX. Chase Auto Finance denied there are errors in their Payment Summary which contradict my XXXX Chase Payment Statements. Obvious error are on Payment Summary 1. " pmt due '' XX/XX/XXXX " eff.date '' listed paid twice XX/XX/XXXX and again XX/XX/XXXX. XXXX. " pmt due '' XXXX should be listed as XXXX, and XX/XX/XXXX as can be verified my monthly statements.
Product: Credit reporting or other personal consumer reports

A sales man came to mine and my wife 's home and gave us a vacuum that he stated was an air purifier and a vacuum cleaner. We insisted we didn't want it several times. He left it with us anyways and took our vacuum and broom and dust pan promising to return the next day to bring the rest of the pieces to the equipment and to see if we wanted it or not, he stated he would take it back if not. He never returned and didn't answer our phone call. Merchants acceptance supplied the loan for this, they closed the account multiple times on mine and my wife ( XXXX XXXX ) credit and reopened it multiple times and kept charging us. They then took us to court to sue us we showed up and they never showed up so the judge dismissed it. They continue to charge us still today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit company reported incorrect negative information about my credit to XXXX XXXX when I applied for an XXXX credit card, causing XXXX to deny my application for a card. 

Early XXXX, 2022 : I Apply for XXXX credit card XX/XX/2022 : XXXX denies credit card citing negative report from Experian due to negative comment from XXXX XXXX XXXX XXXX Approx XX/XX/2022 : I Call both XXXX and Experian and complain that my credit file DOES NOT contain any negative info, and I have never done business with XXXX XXXX XXXX XXXX I report that someone has made a serious error. All my entreaties to both companies to correct the misinformation are ignored. 
XX/XX/2022 : I write to both Experian ( via letter ) and XXXX ( via email ) repeating my claim that the negative reporting about me is incorrect. XXXX ignores my email, Experian sends me a copy of my outstanding credit report ( XXXX + ) and ignores my request to fix the error in their reporting. 
XX/XX/2022 : I send 2nd letter to Experian ( copy attached ) demanding that they correct the misinformation that they have reported about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I couldn't find the appropriate category for this but this was the closest one since I believe credit reporting agencies are considered third parties. 

I phoned Fair Collections & Outsourcing on XX/XX/2017 to inquire about a collection account on my XXXX credit report. 

A couple of hours later, I received an alert that they had run an inquiry for an installment loan which I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to your office, effective XX/XX/2023, XXXX XXXX under {$500.00} will no longer be reported to the credit bureaus. I have disputed this item, which is false, and they refuse to remove and simply restart the reported date, extending the XXXX year time limit.
Product: Credit reporting or other personal consumer reports

I received a response for my initial complaint on XX/XX/XXXX from XXXX XXXX I am disappointed and to be quite frank, just flat out insulted. There was NO evidence or documentation sent with MY signature anywhere on it, proving validity of this account. She literally just sent a copy of a generic agreement that XXXX established in XXXX and typed up a summary of the attachment that I initially sent ; everything she stated was information that was just pulled from my copy of my credit report that I sent, very unprofessional. Please provide LEGAL paperwork showing where both parties have " signed '' and " agreed '' ( Myself & XXXX XX/XX/XXXXXXXX. ) for the opening of this alleged account or simply discontinue any collection activity ; including any reporting/collections from Spring Oaks Capital , LLC.
Product: Credit reporting

I was sued and placed in collections with this company but the case was dismissed. Please remove XXXX XXXX charge off and XXXX Collections from my credit report.