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

I received a rebate from XXXX for {$1000.00} in XX/XX/XXXX. 
The rebate came in the form of a prepaid Visa Debit card. I hadn't noticed that it expired in XX/XX/XXXX until I was going to use if for some specialized holiday gifts. 
I can't get find out the balance but it is still most of the {$1000.00}. 

The card was issued by XXXX and managed on a site called MyPrepaidCenter.com I can log into myprepaidcenter.com - but there is nothing there as the card has expired and there is no way to see my balance or ask for a new card ( their terms say balance is mine and just need to pay new card issuance but don't see anyway to do this ) I called the number on the back of the card XXXX but this has no option for expired cards and keeps referring to the website - so endless loop of no help I also tried another one of the card numbers on their website contact us page but it also gave an endless loop of marketing options but no way to get in touch with a person Appreciate any help you can get contacting them
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am filing this complaint regarding the XXXX, XXXX account listed on my credit report, which was inaccurately charged off in XX/XX/XXXXXXXX  and continues to be reported as 90 days past due as of XX/XX/XXXX. Despite multiple disputes with all three credit bureaus, this account continues to be verified and remains on my credit report, harming my credit score. 

Account Name : XXXX, XXXX. 
Account Number : XXXX  Date Opened : XX/XX/XXXXXXXX   Status : Charged off, 90 days past due. 
Balance : {$160.00} past due as of XX/XX/XXXXXXXX   Charge-Off Date : Reported as XX/XX/XXXX. 
First Delinquency Date : Reported inaccurately. 
Balance Reported as of XX/XX/XXXXXXXX  : {$160.00} Issue : The charge-off and delinquency dates appear to be incorrect, and I have not received proper documentation that confirms these dates. Ive disputed this issue with Equifax, XXXX, and XXXX several times, but the information was repeatedly verified without a proper investigation into the matter. This has caused continued damage to my credit report and score. 

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i Reinvestigation of Disputed Information : XXXX XXXX XXXX and the credit bureaus failed to conduct a proper investigation after I disputed this account multiple times. The FCRA requires an investigation to be reasonable and thorough, which was not the case here. No evidence was provided of a proper reinvestigation or correction of the reported errors. 

FCRA 1681c Time Limitations on Reporting : The charge-off and delinquency dates are incorrect. Under the FCRA, negative information such as charge-offs can remain on the credit report for 7 years from the date of first delinquency. However, I believe this information will stay on my report for longer than legally allowed due to incorrect reporting. The dates dont seem to align with the actual timeline of when the delinquency occurred. 

FCRA 1681s-2 ( b ) Duties of Furnishers of Information : XXXX, XXXX. did not provide the proper documentation proving that the account was correctly charged off or the delinquencies were accurate. The failure to provide such documentation after multiple disputes is a violation of their obligations as a furnisher of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. XXXX Date of inquiry : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXXmber : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} Late Dates XXXX and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late XXXX.
Product: Student loan

I received a message that a payment made last month was not enough to cover what was due. I pay in excess of what is due each month. If I did not pay enough as they claim are they contacting me about this one month later? I also notice that my account statement shows payments sent but not applied to my account yet .... also saying they are past due. Once again Navient is not applying payments correctly.
Product: Credit card or prepaid card

I started using Bank Of America Travel card because their travel rewards program on XX/XX/2019. According to their rules and stated on advertisements, you earn double points when you book travel at Bank of America Travel center. I purchased an XXXX XXXX ticket on XX/XX/2019 on the Bank of America Travel center website and they never credited the rewards. ( see attached receipt ) .They credited the normal charge rewards as if i had purchased anything and outside the Travel Center as if I had purchased food or anything not at Travel center. I called in XXXX, then twice in XXXX, every time I was on the phone for an hour or more ( see attached ). I provided copies of THEIR website confirming the purchase, and emailed documents as requested by them. Every time they say they will credit the rewards in 7 to 10 days. This I believe is a fraudulent practice basically getting customers to get tired of calling. I wonder how many victims of this Bank of America fraud are there, but certainly something very wrong is going with this rewards program. They asked for documents of their own website and their credit card and I have provided three times. It is not a lot of money in cash value of XXXX points, about {$58.00} but certainly is theft by Bank of America. Probably they have been stealing millions from other customers not checking the full credit of their rewards.
Product: Mortgage

Hello. I had a mortgage with Loan Depot for over 2.5 years. I have refinanced and the loan was paid off by my current lender. However, my bank sent one more mortgage payment, after the loan was paid off and Loan Depot received the money. Here is the transmission information : XXXX, and the confirmation number is XXXX. However, Loan Depot is telling me they do not have the money and they are not refunding XXXX which my bank paid on XXXX/XXXX/17. I have not been able to get anyone at Loan Depot to check into this and get me my money back. I have a ton of correspondence and I called, at no avail. Loan Depot is not entitled to this money and they need to return it to my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX XXXX. XXXX SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX 4. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX  Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX 6. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name XXXX XXXX  Account Number : XXXX ALL has 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

a company called XXXX XXXX XXXX XXXX XXXX XXXX to Experian and XXXX for unpaid bills ( {$3900.00} ), this amount now increased to {$4500.00}. I sent in a detailed letter with all my supporting evidence to these XXXX bureaus only to be told that XXXX said that the account is valid. I asked for proof and explanation from this company only to be told by Experian and XXXX that they only asked the company for a response. these XXXX bureaus said they accepted what they are being told by this company. So Experian and XXXX did no investigation, asked for evidence, proof and documents to back this company account validation claim. I was told by Experian and XXXX that they abide with the company response. 
I made several disputes with Experian and XXXX between XXXX, XXXX  and XXXX, XXXX.
Product: Debt collection

This company is called Contract Caller INC, ( XXXX XXXX XXXX XXXX ) open XXXX, placed in collection on all credit reports. I have know knowledge of this company, never had an account with them. The balance they are trying to collect is from XXXX XXXX XXXX XXXX which that account has been paid in full directly to the original company. which is XXXX. The is paid in full. I have know knowledge of this company have never had no dealing with this company.
Product: Student loan

Back in XXXX XXXX, I received a lot of calls from Allied Interstate LLC student loan collection agency. They harassed me during work hours to settle this bill. The rep, XXXX stated that I need to get my wages garnished from XXXX to XXXX XXXX and then I would get the default removed and pay {$5.00} for the remainder of the balance of {$3000.00}. However, I called yesterday ( XXXX/XXXX/XXXX ) because the garnishments still continuing and come to find out by XXXX XXXX, they told me that I never paid, my account still in default and I owe them {$3100.00}. They told me that I need to prove that I paid. This is insane. I had my tax return XXXX intercepted ( {$2600.00} ) to pay this loan, wage garnishment, year to end XXXX ( {$2500.00} ). The defaulted loan is {$4200.00}. This company has never shown me a statement of anything and ripped me off. I please need help! I 'm sure I am not the only one out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report in XX/XX/XXXX, I discovered 2 items on my credit report that were not mine. One was a Chapter XXXX bankruptcy, and one was some type of financial company/lender. They were disputed with all 3 major credit bureaus, and both were " verified '' according to the bureaus. I contacted the organizations ( Federal Bankruptcy Court XXXX  District of Indiana and XXXX XXXX XXXX ) early this year, and was told they had not been contacted by any of the bureaus. A second call to each of them on XX/XX/XXXX found no one from Experian had contacted them about my credit listings at all. Of course, Experian lied about this, and then said " oh, well, we didn't contact those you disputed account with directly. We did it via XXXX XXXX ''. When confronted, their argument fell apart. 

In XX/XX/XXXX, I sent registered letters to all 3 bureaus asking for the method of verification, details on who they spoke with to verify, what documents were submitted to verify, etc. XXXX  and XXXX complied. Experian did not. After 4 phone calls over the past two weeks to Experian, they claim that they " don't have to comply '' with any method of verification, and will not do so. Even after sharing the details of the FCRA and FACTO laws, they refused. Finally, on my last call to them today, they kept " dropping '' my calls when asking to speak to either the legal department, or consumer protection office. These calls were all recorded, and can be provided to you. 

I am adding copies of the registered letters, which Experian received well over 30 days ago, police report, mail receipts, etc. As an investigative journalist, we hear these types of complaints often, and in the last year, every day. Experian 's willful ignorance of the laws they must follow, and intentional disregard for the consumers they are to " protect '', must stop. And, since they won't comply with the laws, treat customers poorly, and continue to harm those who dare confront their illegal practices, they must pay for these transgressions. No stranger to class-actions and court cases in general, their attorneys will be very busy, and once again lose, to those of us harmed by their actions. Please consider additional fines and sanctions. Along with state attorney generals and the courts, they will be made accountable.
Product: Credit reporting or other personal consumer reports

Equifax Credit Bureau sent me a letter saying they can't verify my identity, which is incorrect
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ). 
Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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 deleted from the file of the consumer. 
Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit card

XX/XX/XXXX : I requested a virtual card ( loan ), from Affirm to buy women 's footwear from a company called XXXX. I was approved. 

XX/XX/XXXX : I placed my order. Later, that same day, my order was cancelled by XXXX because what I wanted was out of stock. 

XX/XX/XXXX : I called Affirm to cancel the card/loan, notifying them that I would NOT be utilizing it, and the reason why I would not be using it. I was told by Affirm CSR that they would NOT cancel the card or loan until XXXX, notified them of the cancellation and released the amount held. 

XX/XX/XXXX : I called XXXX and they said they would release the amount and notify Affirm. 

XX/XX/XXXX : I submitted all this written documentation between XXXX and myself to Affirm as proof that I was NOT USING, had not intention to use, the card/loan. 

XXXX XXXX ongoing : AFFIRM FAILED to follow through with their own policies. That is : Cancel the card automatically after 24 hours, and only allow the card/loan to be used at the requested merchant : XXXX. 

XX/XX/XXXX : Unbeknownst to myself, many footwear stores were hacked by Cyber-criminals who stole the credit card numbers. My virtual card was among those stolen and misused. I was notified of this by a Cyber Security Company in writing. I promptly sent this information to Affirm and INSISTED they IMMEDIATELY cancel my loan/card as this is PROOF the card/loan number is OUT OF MY HANDS. 

XX/XX/XXXX- Ongoing : Affirm REFUSED. A Senior member of Affirm came on the line and read off a list of charges at various different merchants I have never heard of. There were charges at a tool store, a fishing store, and baby stores. I am a XXXX XXXX XXXX woman with no interest or need for any of those items. I continued to object and state that I have proved that my card number was stolen. FURTHER, if Affirm had simply followed their stated protocol, and CANCELED the card in 24 hours, AND, only allowed it to by used at XXXX, where I requested it to be used, NONE OF THIS COULD HAVE, WOULD HAVE HAPPENED. 

XX/XX/XXXX - ongoing : Still, Affirm holds ME liable for purchases I never made and has sent me to collections for purchases I never made. I called my local law enforcement department to file fraud charges. They indicated to me that, because this is a cyber crime, my best bet was to contact CFPB for help. 

XXXX XXXX : I tried asking for help from the CFPB once. 

XXXX XXXX : Affirm responded with the same " canned answer, '' -- I am responsible, but they will investigate further if I have more evidence. -- What more can I give them? I have provided my order to XXXX, the cancellation from XXXX. XXXX has provided them with a copy of their returned/released funds. I have provided Affirm also with a copy of the notice that the credit card number -- virtual or not, was HACKED AND STOLEN. 

WHAT ELSE CAN I DO?
Product: Checking or savings account

On XX/XX/2019 I had {$1200.00} taken from my bank of the west business account I found this withdrawl on XX/XX/19 and immediately called my bank. I went in to my branch and signed the papers that were required for this unauthorized transaction. 
It is now the XX/XX/XXXX and my bank tells me that XXXX XXXX will not give back the funds, so it is out of thier hands and I need to contact the entity that took the funds. 
This was an unauthorized automatic withdrawl from a company name XXXX XXXX   that was used to pull money from my account for some person name XXXX XXXX, who I do not know and is associated with another company called XXXX. I received theses name through my bank. They told me that I need to contact these people directly because all they could do was ask XXXX XXXX to reimburse the money and when they denied it they said it was out of their hands and closed the fraud claim. I have contacted the two companies ( only available though email neither company will talk with me via phone ) and both told me that its out of their hands and that I need to contact my bank So now I have multiple emails between me and this company XXXX   and conversations with my bank and not one of them will help me. They are both passing the buck I have asked both of them for proof of authorization and neither has come through.
Product: Mortgage

My loan was recently sold to a company called RoundPoint Mortgage. I am in the process of finalizing a claim on my home and received a check from the Insurance company with the old lender and XXXX XXXX written on the check, which, from my understanding, means " its successors and/or assigns '' and " as their interests may appear ''. Both terms allow a lender to transfer the protections of the clause to another party, usually when the bank sells a loan to another financial institution.

I received the insurance check back that stated that the new mortgage company must be listed on the check. I had the same situation with the first, different mortgage company, who endorsed it no problem as they acknowledged the legal terminology common in this situation.

I called to ask why this is being ignored on the check. They could not provide me an answer. I requested to speak to a supervisor who was supposed to call me in 24 hours. They did not. I called again and was put on hold. No one is able to provide me answers. I went to see the reviews of this company and it seems
that this company has a horrible rating in a variety of areas. This is unacceptable as a customer to be forced to deal with incompetency and inconsistency. I had no choice that the loan was sold to such a horrible company that doesn't follow standard practices.
Product: Credit card or prepaid card

I have contacted Capital One multiple times telling them to stop mailing credit offers to my home when the addressee doesn't live here. I have written RTS on the mail and even called them, to which the associate told me that I would no longer receive mailings, but they still occur. I've run out of options other than submitting this complaint.