23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an e-gift card from my employer on XX/XX/2024. Since then I have not been able to use this gift card at all. Their website reports that you can add their cards to XXXX XXXX, but I have tried countless times and it states the card can not be added and to contact the card issuer. I have tried using the card multiple times at online merchants, triple checking that I input the information correctly, the card is declined. Upon researching, TONS of customers have this same experience with XXXX XXXX. I don't understand how a company can be allowed to do this. I have spoken with XXXX XXXX and I was told a few different things. Once, I was told to use the card in store- well I can't do that because it is an e-gift card and I can't get it added to my XXXX  XXXX. Another time, they told me to use it with online merchants that only ask for the " card number, expiration date, and security code ''. This did not work or make any difference. Some of the charges even show up as pending or denied on the transaction page of XXXX XXXX, but they don't allow anything to go through. This gift card was a huge part of my budget for the holidays, I desperately need a solution.
Product: Checking or savings account

I XXXX XXXX received a credit from BMO bank XX/XX/year>. The credit was for the fraud I reported on my account, prior to that I did not have any knowledge. I am perplexed by my balance being negative of {$800.00} at one time my account was XXXX and then went to {$650.00} then they proceeded to put more money in my account without my knowledge. I have called the bank rep she told me that my account shows negative {$840.00} because the bank teller made a MISTAKE!! 

I feel used, abused taken advantage of and mistreated ; because there was fraud committed on my account I had to go inside of a local branch to obtain a new bank card. I am now in a position to where the bank is telling me I owe {$840.00} plus taxes and fees will be charged off I will end up oweing an exstensive amout of money that I never agreed to in the first place and because BMO HARRIS made a mistake in regards to my account. 

Of all things to add to this nightmare the day of XX/XX/year> my account was charged XXXX from payless rent a car. A BMO bank representative gave my account information to a payless rent a car reprasentative with out my knowledge or with out my permission. This has now compromised my bank account even further then before. 

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I opened up this bank accout in hopes to pay my bills and succeed, but now it looks like I will be in debt with a XXXX dollar company that seems to prey on its consumers that try to utilize BMO bank to better their situation.
Product: Mortgage

Made mortgage normal monthly payment XX/XX/XXXX to the previous loan servicer XXXX ( XXXXXXXX XXXX  ). 
This is sent by check every month. 

Mortgage was transferred to new servicer ( Carrington Mortgage ) XX/XX/XXXX. Was not informed loan was being transferred until MID-XX/XX/XXXX. 

I provided bank statements to Carrington Mortgage showing money was drawn from account from XXXX ( guild mortgage ). 2 payments of {$420.00} from separate bank accounts. This has been in review by their " research department '' since XXXX. sent these documents via fax XX/XX/XXXX. 

Called previous loan servicer before this and they said they received the payments and it was placed into the escrow account. 

Now Carrington is saying they've DENIED my request of a reversal ( whatever that means ) I was told the denial of reversal date was XX/XX/22. Again this has been in review since the beginning of XXXX. 

Carrington, there's never anyone such as a supervisor available. I've asked for one a few times now and they tell me there will be a callback. I haven't gotten a callback yet.

This keeps getting pushed back, first it was XXXX, now they're saying I'm defunct for XXXX for this amount ~ {$400.00}. 

Neither Company wants to be held responsible for this seemingly missing money. 
~ {$400.00} dollars. 

Carrington says I need to call XXXX. XXXX says I need to call Carrington, I'm getting the runaround. Now threatening to report to my credit.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

Between the month of XXXX and XXXX there was a natural disaster in NJ in XXXX. During the incident major flooding and storms I lost my home. I called XXXX immediately prior to any due payment to apply for their natural disaster relief which halts payment and is in a payment plan in which repayment is made before the next months payment and the subsequent month is paid as well. I was told from their representative that that was added to my account to allow me time from the natural disaster. Everything was fine it didnt reflect any issues then I had a report of negatively impacted my credit it was XXXX  XXXX XXXX reflecting a late/non payment. As part of the program they assured me that it wouldnt negatively affect my credit as I was in that relief program. I called XXXX XXXX XXXX to inquire about why the issue had appeared and they stated they were unsure and were going to correct it. They didnt I called again each time I called I had a different agent and this agent said they cant and wont do anything. This has negatively impacted my credit and remains I have called XXXX Ive filed a complaint and I have tried to dispute the inaccuracy of that as it is still affecting me. As part of the program they informed me that I didnt have to do anything and that with me calling and applying and providing information of the disaster and how it impacted me which I did over the phone and they were able to confirm. Now I have an issue where it shows 30 days late for the disaster month and no data when I paid on time per the disaster relief and I paid the next month prior as that month was not part of the payment relief so that was paid on time and all the months thereafter. My credit I have not had any late payments and I was part of their relief program as explained by their representative and it appeared on my fore account as well on my account portal. Now I dont have access since it was paid off they refuse to acknowledge the issue or correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to knowingly willingly use deceptive and unfair business practices with total disregard to the law. They continue to slander my character furnish inaccurate information even after I have notified them numerous of times. They refused to provide me with proper verification documents along with what elaborate investigative measure was used to verify these accounts. These negative inaccurate information Equifax refuse to remove is hindering me from providing from my family and continue to damage my creditability. I never provided written or verbal consent to share my private nonpublic information. No permissible permission given. I did not opt in to share or report any of my information. NO CONSENT IS IDENTITY THEFT!! 

See attached for more details on their negligence and deception.
Product: Credit card or prepaid card

I was charged {$770.00} back in XXXX for an XXXXXXXX XXXX car that I never booked. I filed a formal investigation with Citi and was told they would be investigating. They denied the claim and I reopened it by filing a police report and providing them with everything they needed. They said that XXXX provided a contract showing that I booked the car, however, my wallet was stolen so my ID could have been used to do this. They said they have a signed contract as well but never provided anything and once again denied the claim. XXXX even had already charged me around {$77.00} and after I noticed it, immediatley called Citi fraud dept. to report it stolen. They closed the card but I was still charged the {$770.00} after the fact!! They approved the fraud claim for the {$77.00} but not for the {$770.00} which makes XXXX sense since I made them aware of this before being charged. XXXX is running a fraud operation that must be stopped. 

Police report info : Incident No : XXXX Title : Stolen Property Officers Name : XXXX XXXX XXXX XXXXXXXX Police Dept .
Product: Money transfer, virtual currency, or money service

I opened a be enmo account had my identification fully verified and my buddy sent me XXXX which is within the allowed limit. Then I made a payment to XXXX for XXXX $ and a XXXX XXXX  payment to my girlfriend.. Then the froze my account without reason.. I can't access any of the money or close my account. Customer service gives me run around and are of no help offering little to zero info.. this has been over 9 days ago with no responce.
Product: Debt collection

I received a call from a company claiming to be a debt collector. I was told they have been trying to contact me for six years. I had never received any communication from the company up to that point which the representative admitted to. I was then, what I perceived to be, threatened that the debt would be reported to the credit bureaus. A few short weeks later the debt was reported to the credit bureaus. I have submitted disputes as I still have not received any proof or validation of what the debt is or how it is this debt collector determined I owe them.
Product: Credit reporting or other personal consumer reports

To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX, P.A XXXX Thanks, XXXX XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$360.00} 2. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$130.00} 3. Account name : XXXX XXXX Bank Account opened : XX/XX/XXXX XXXX owed : {$780.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$21000.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$0.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$660.00} XXXX. Account name : XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$1100.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$170.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX  Amount Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Opened : XX/XX/XXXX
Product: Bank account or service

In XX/XX/XXXX I used a PNC ATM that had a skimmer on it. {$200.00} was taken from my checking account on XXXX XXXX. The next day I discovered that I had no money in my checking account. On Monday the XXXX I called my credit union and picked up a discrepancy report and returned it on XX/XX/XXXX. Two weeks later the local XXXX XXXX aired a story about the skimmer on the same PNC ATM. 

Then my credit union told me that Pnc bank will not refund my money since it was a pin transaction the next then I called PNC bank and they told me that I had to talk to the credit union. At this time I started to become frustrated with the runaround and being told it 's the other places responsability to refund my money so I contacted the XXXX and they told me that it was PNC bank and that I should contact the CFBP I know my {$200.00} is never going to be seen again but I figured to try one last option
Product: Credit card or prepaid card

Credit Karma will come up with " fresh approval credit cards '' where they mislead you to thinking you have really good odds in a new credit card. But when I have applied I don't get accepted. This has happened several times which hurts my credit tremendously. It's very nerve-racking when they advertise that I should get accepted by many different credit cards then I don't but makes my credit score go down. 
Credit Karma is suppose to help you with your credit score and lead you to do what would help your credit score but instead they hurt your credit score and do the total opposite of what they claim. 
Now it is hard to get accepted for other things like credit cards or loans because of this.
Product: Debt collection

3rd party debt collector purchased my debt from XXXX XXXXXXXX, I kindly thanked them for purchasing my debt and told them that my agreement was with XXXX XXXX and that my signature does not go on in perpituity. I have no such agreement with them and they purchased the debt from XXXX XXXX but are intent on trying to recoup their payment from me, and as a collection company are going to negatively report my non-payment to them on my credit report which I told them was illegal since they voluntarily purchased that debt. I am also sending them a notarized affidavit that States the following : Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Notice to Agent is notice to Principle, Notice to Principle is notice to Agent : To Whom It may concern, I understand you are doing your job, and I do not wish to make it difficult for you. I want to thank you, for paying my debt for me, for as a 3rd party debt collector you purchased this debt and the original creditor closed the account. I have no agreement with you and my signature does not go on in perpetuity. This is a color of law issue so I must insist on being provided a wet ink autographed copy of any agreement between you and myself. I do not wish to take you to court, so I implore you to grant my request and provide me with the aforementioned document. I look forward to your response. If you can not provide me with aforementioned document, I request that you not slander my good name by making any adverse report to any and all credit reporting agencies or garnishing my wages which is theft. I also ask that you cease and desist with any further actions. 

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

I applied for credit and became aware of a medical collection account on my credit report and was denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all three credit repoting agencies, that TD Auto Finance was opened in my name without my consent. Attached with be the police report and FTC report to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX SS # XXXX Dob XX/XX/XXXX Transunion will not remove the unauthorized inquires from my credit report. It has been over 60 days and they have ignored my request to prove that the inquires were authorized by me. I sent them a certified letter with return receipt dated XX/XX/XXXX to remove the unauthorized inquires and it has not been done. this is hurting my good credit!!!!!! see copy of certified receipt attached and see list of unauthorized inquires below. I DEMAND THAT TRANS UNION REMOVE ALL UNAUTHORIZED INQUIRES FROM MY REPORT!!!!!! XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1200.00} XX/XX/year> XXXX XXXX XXXX {$1200.00} XX/XX/year> XXXX XXXXXXXX {$1000.00} I'm requesting that : 1. Conduct a thorough reinvestigation of the matter. 


XXXX. Provide me with a written response detailing the steps taken and the outcome of your investigation. 


XXXX. Correct or remove any inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Please see attached - there's incorrect Personal Information on my credit report that needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my previous complaint regarding XXXX reporting my balance incorrectly. They responded saying they updated the balance, however, I just received a notification from Equifax that they reported the account as closed. This caused my credit score to drop 30 points! Please correct this. The account should be reported as Open, pays as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this credit inquiry