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

On XX/XX/XXXX, I purchased a XXXX XXXX gift card online in the amount of {$500.00}. 
I received the gift card on XX/XX/XXXX and it was n't active. I also received an email from XXXX XXXX XXXX stating once I receive my order, activate my card by clicking on the link provided in this email. I clicked on the link provided and it said : " Gift card has already been sent for activation ''. Despite numerous attempts in receiving assistance regarding this matter, my gift card still does not have the funds loaded onto it and {$500.00} has already been deducted from my credit card. As of XX/XX/XXXX, my card is still not active. Please help.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Genesis Credit Management LLC for inaccurate credit reporting that is in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1637b, which mandates the accurate reporting of credit information. 

Genesis Credit Management LLC has reported on XXXX XXXX. 2024 inaccurate information on my credit report, specifically in relation to a debt of {$3300.00}. This amount is not valid or accurately reflects my obligations. I believe this entry is either inaccurate, incomplete, or unverifiable, and as such, violates the provisions of the FCRA, particularly those related to the accuracy and integrity of the information being reported. 

Consumer Protection under 15 U.S.C. 1637b : Under 15 U.S.C. 1637b, creditors are required to report only accurate, complete, and truthful information to the credit reporting agencies. XXXXenesis Credit Management LLC has failed to meet this legal requirement by reporting information that is either incorrect or unverifiable. By doing so, they are violating my rights under both the FCRA and the aforementioned statute, which protects consumers from erroneous credit reporting. 

I have attempted to resolve this matter with Genesis Credit Management LLC directly, but my efforts have been unsuccessful, and the inaccurate reporting persists. I am requesting the immediate removal of the {$3300.00} debt from my credit report, as it is inaccurate and in violation of my rights.
Product: Debt collection

I ran my credit report as I am in the process of purchasing a home. I notice there was a negative mark on my credit report for a unpaid debt for XXXX XXXX, a cable company. I contacted XXXX XXXX to solve this issue. 

The original creditor, XXXX XXXX sent me an invoice for the amount of {$270.00}. Payment was sent immediately to them, payment cleared the bank on XX/XX/2019. Per the rep, the account was paid in full now. 


On XX/XX/2019, ERC, collection agency send me a Collection Notice for the amount of {$82.00}. On XX/XX/2019 I sent ERC a dispute/validation letter for this amount ( sent via certified mail ). They sent me an old invoice of {$510.00}, which does not explain a detail explanation of the amount of {$82.00}. 

On XX/XX/2019, I called ERC to let them know that the account was paid in full. The gentleman at ERC has not intentions of doing anything about the situation, they still want this amount to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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
Product: Credit reporting or other personal consumer reports

I attempted to work with the company but did not receive a response. I have never been late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not the first time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} ; XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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: Money transfer, virtual currency, or money service

I transferred {$95000.00} to Synchrony Bank account on XX/XX/22. I was not aware that the account was closed prior to sending the money. Synchrony has not returned the money to the account from which the money was transferred as of XX/XX/22 and claims to have no record of any transaction. Synchrony Bank has effectively stolen {$95000.00} from me. I reported this theft to both my bank and the XXXX State Attorney General 's office so far. Next week I will report to the FBI and local law enforcement. If necessary, I will hire a lawyer and sue Synchrony Bank for all the money plus legal fees.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act This creditor has violated my rights under USC 1681 section 6 o 2 states have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported inquiries no recognized I trying fixed problems with this company dont help me say accurate and credit card opened fraud
Product: Credit card or prepaid card

On XX/XX/2021 I mailed certified documents to NAVY FEDERAL that included exhibits. Ive contacted Navy a week ago to get an update but no one contacted me back. It is now XX/XX/2021 60 days I havent received any response. I have attached the documents. This issue has been lingering for years. Navy Federal has violated my rights which is listed on the documents. Please be advised that Ive been having an issue with the debt collector for several years and this is definitely has cause distress to my life. Not being able to function normality as a consumer. Due to the negligence of the debt collector, I was XXXX from my job, XXXX  for some time, and so many obstacles. TILA violation, FCRA violation,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, Inquiries : XXXX XXXX XX/XX/XXXX, XXXX 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 XXXXXX/XX/XXXX 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. It also states a consumer reporting agency Can not furnish an account without my written instructions.
Product: Debt collection

XX/XX/XXXX they financed a XXXX in my name that I know nothing about
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

Please remove off my report the law states no medical bills under {$500.00} should be on a report
Product: Debt collection

Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number.
Product: Mortgage

On XX/XX/XXXX, Lakeview Loan Servicing LLC made a " Principal Balance Adjustment '' to my mortgage account in the amount of {$8500.00}. This amount appears as a " Deferred Balance '' on my mortgage statements beginning in XX/XX/XXXX. This balance adjustment was made in error, as confirmed by two separate customer service representatives whom I spoke with over the phone on XX/XX/XXXX. At that time, I was assured that the error would be corrected within 2-3 business days. As of XX/XX/XXXX, there has been no resolution and subsequent attempts to contact Lakeview Loan Servicing - both by phone and via their customer support web form - have been ignored. 

Background : From XX/XX/XXXX thru XX/XX/XXXX, my mortgage was on forbearance due to the pandemic. When my forbearance ended on XX/XX/XXXX, I paid the entire 6 month forbearance balance ( {$14000.00} ) in full. According to the customer service representatives that I spoke to on XX/XX/XXXX, Lakeview Loan Servicing LLC mistakenly deferred principal balance from the forbearance period, despite the fact that I had just paid the balance in full. As shown in the attached Payment History, the principal balance adjustment was made the same day on which I ended my forbearance and paid the 6-month balance. 

I have attached a copy of the 12-month payment history for this loan, including mortgage statements. The unexplained/errant Principal Balance Adjustment appears in the XXXX statement as " Deferred Balance '' and appears in the Payment History on XX/XX/XXXX.
Product: Debt collection

Spring oak capital llc known as XXXX XXXX XXXX XXXX has been furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.As defined by the *** Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By definition the *** clearly says a canceled debt or charge off is income. The reporting of this account as a debt is in accurate
Product: Credit card

BOA is wrongfully charging me XXXX days of CC interest and is receiving deposit interest by not transferring a credit card credit balance ( positive overage ) to another credit card balance due to " system limitations ''. Seems intentional that a company this size that receives and send electronic transactions can not transfer a positive overage balance from XXXX BOA card to another BOA card. 

XX/XX/year> BOA received and applied two separate payoff balance transfers for two separate credit cards. Both payoffs were applied to one card leaving one card with a credit balance and the other maintaining the balance. I requested a transfer on the card that has a credit balance be applied to the card with a remaining balance as intended. I was informed the systems to do not allow a transfer from card to card and a check would be mailed to me. After several calls, non receipt of a refund check, and XXXX not received I am being to asked to pay to the interest on a transfer that could have been easily done. As soon as I receive the funds from the overage XXXX will payoff the credit card with a balance.
Product: Checking or savings account

This is in regards remaining account balance for accounts XXXX XXXX XXXX XXXX For total of {$670000.00} The accounts were closed on XX/XX/XXXX and a cashier check ( s ) suppose to be mailed in the next business day with First Class U.S Mail according to the letter from bank of the west. 
I waited until XX/XX/XXXX and still not received any mail from bank of the west, then I called the number XXXX from a previous bank correspondence in order to get an update According to Branch Manager XXXX XXXX, the mail was send with XXXX - tracking number XXXX with four checks total for the above accounts. She mentioned it was sent on XX/XX/XXXX and arrived on XX/XX/XXXX. XXXX But according to security camera installed at my house XXXX driver never made the delivery for that tracking I requested a stop payment to be place on the checks since the mail was lost/stolen. 
I was advised I will get a call back on XX/XX/XXXX but I never did received one. 

I started an investigation request with XXXX  and requesting the driver who suppose " made '' the deliver to assit with locating the package.
Product: Credit reporting or other personal consumer reports

So, on my credit report, there is a XXXX XXXX XXXX  account that is showing that it is 60 days late, and this is false. The billing cycle for the credit card is as follows : the due date for the account is the XXXX of the month, and the closing statement date is the XXXX of the next month. For example, the last due date on this credit card was XX/XX/year>, and the closing statement date was XX/XX/year>. Now I made a payment on the account on the XXXX of XX/XX/year>, and I have attached a copy of my bank statement to prove this. On the XXXX of XX/XX/year>, I see on my credit report where XXXX is reporting that my account is 30 days late, and this was false, and then today, XX/XX/year>, when I am looking at my credit report, it has been updated, saying that I am 60 days late on this account. The next due date on this account is XX/XX/year>, and the closing statement date would be XX/XX/year>. So why are they reporting false information on my credit report? So how can they be reporting an account late an addition to 30 days when the due date and the closing statement date have not passed or arrived as yet? This is a clear violation of my rights under FCRA and ask that this account be deleted and or updated to paid as agreed and remove the late payment from my account. Kindly see files attached with official complaint against discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

credit cad was on auto pay for $ 100.pe month. the company raised the minimum to {$100.00}. they received {$100.00} before due date charged {$40.00} late fee for XXXX bill I don't pay late so I don't pay late fees. I sent them {$110.00} for card payment. plus additional XXXX for {$1.00} short payment from XXXX. So now i paid both monthly payments on time an they want {$80.00} in late fees which they ad to the current payment. the treatment is criminal. 
that they ae not happy with the 17.5 % interest they want fees on someone that pays on time.
Product: Mortgage

On about XX/XX/XXXX I applied online with Flagstar bank to move my XXXX mortgage payment to the end of my loan. I had a job change and would not start ne employment until XX/XX/XXXX. In XXXX Flagstar had not responded and sent me my normal notice saying I had my mortgage due. I called in from my new job while hiding from my supervisor ( Flagstar does not take calls after business hours and my wife was unable to call as she was caring for our XXXX  children at home. ) They said they had no record of my application and that I would need to fill out another. I filled out another and waited, nothing came and i assumed all was well. In XXXX they sent a letter stating i had late fees and owed two months of my mortgage. I called in and spoke with someone on XX/XX/XXXX who said i had never filled out an application and would need ot fill one out to move my payment to the end of my loan. I sat with him for over an hour ( while at my new job, risking said new job ) trying to find out how to fill out the application. Eventually he said he would submit it for me. On XX/XX/XXXX someone claiming to be " with my mortgage company '' came to my door and handed me a blank envelope with a poorly written note inside the note read " XXXX '' and listed a phone number to call and request a " face to face interview '' he told me he was with my mortgage company, but none of his clothing said so, nor did his appearance, nor did the letters, or the handwritten note inside. I called my mortgage company on XX/XX/21 and was passed through four different departments being told i was talking to the wrong team. Eventually I was told they had received my application and i should wait until the XXXX to see if they would approve it. 

I have been told there " might have been a system glitch '' that prevented them from receiving my application. My credit has taken a very severe hit and my children are worried that we might lose our home. I've scheduled payments to be made but will no doubt fall behind on other bills trying to make up two months mortgage.
Product: Vehicle loan or lease

The company picked up my car in XXXX XXXX and I got it back the following day. I paid what they said I had to and then i strated paying {$250.00} every 2 weeks to keep it up and not have such a big payment at once. Now they are saying Im past due again afte they have told me they dont allow a 10 day grace period. My question is how an Im behind if they dont allow the grace period? I am trying my best to pay for the car and I have kept up with the payments and they still want more money on top of the regular payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the most recent CFPB complaint I submitted to the Credit Bureaus requesting the immediate removal of the disputed accounts and information completely from my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. I also sent a dispute letter to each of the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the XXXX REPORT I received from the FTC. Once again, I am looking forward for the immediate removal of the following items completely from my Credit file : XXXX XXXX XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove the items ' validity, immediate deletion of the disputed items is appreciated.
Product: Credit card

A new credit card account was opened without my consent on XX/XX/year>. I filed a CFPB complaint ( COMPLAINT ID- XXXX ) asking the bank to close the unauthorized account and remove the unauthorized account from my credit profile. The bank declined to do either of them ( Citi 's response attached ). Instead, the bank insisted that they received an online application for a Citi / AAdvantage Platinum Select account on XX/XX/year>, which I categorically deny. To prove that I didn't apply for a Citi / AAdvantage Platinum Select account on XX/XX/year>, I am presenting these facts - 1 ) I already have a Citi / AAdvantage Platinum Select account opened on XX/XX/year>. Please see the attached credit card statement ( file name - Statement for card opened in XXXX XXXX ) from my existing/old AAdvantage Credit Card . Why would I apply for another AAdvantage Credit card within a time frame of 2 months? 2 ) If the bank insists that I applied for another AAdvantage Card on XX/XX/year>, why didn't the bank make a hard inquiry of my credit from any of the credit agencies? Can the bank send me my credit report obtained on XX/XX/year>? 3 ) Why is the credit limit of my account opened in XX/XX/year> exactly the same as the credit limit of the account opened in XX/XX/year>? The credit limit of both accounts is {$14000.00}. Please compare the credit limit shown in the attached file - " Details of unauthorized account opened in XXXX XXXX '' to the credit limit shown in the attached file - " Statement for card opened in XXXX XXXX ''. I think it is because the bank used my application from XX/XX/year> to open a new account again in XXXX, 2024 even though a new account was opened in XX/XX/year> already. I didn't apply for this account on XX/XX/year> and this account from XX/XX/year>, was opened without my authorization.