23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I've purchased a {$500.00} Vanilla Visa gift card at a local store on XX/XX/2024. I've made a few purchases without issue until XX/XX/XXXX when i went to make a purchase it says the card was declined. A thief had somehow access to my card information even though the card was in my possession at home the entire time. They stole my remaining balance of {$210.00} by making a purchase at a XXXX on XX/XX/2024. I've immediately contacted the Vanilla gift card company to dispute this transaction and after making multiple calls to follow up on the status, they eventually told me that they can not reimburse me for the stolen money. This is very unfair as they lack the security of their gift cards leaving consumers vulnerable to thieves and then taking no action to reimburse the victims for their hard earned money. I've contacted them again on XX/XX/2024 to have them tell me they can not do anything to reimburse this stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 4th complaint I am writing about Transunion. They list an account that they have not properly verified. I have tried reaching out to the creditor using the phone number Transunion lists for XXXX/XXXX  preferred ; however, my contacts have been unsuccessful beucase the number is disconnected. I have also written to XXXX/XXXX  preferred using the address Transunion lists for XXXX/XXXX  on my credit report and the mail gets returned. Transunion keeps saying they verified the debt but clearly they have not updated or verified the creditor contact information.
Product: Credit reporting, credit repair services, 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 Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment
on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit card or prepaid card

This is regards to a credit card dispute with my bank USAA. They did not adequately process the dispute even though I showed proof that it was a fraudulent charge. 

On XX/XX/XXXX I booked a room through XXXX. Conrmation Number XXXX for hotel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. 

When I arrived the hotel did not have a reservation for me and the front desk agent states that the hotel was sold out. I called XXXX for a refund and they have refused to issue a room or give a refund. They stated that they need to call the hotel, but no one answers the phone. I contacted the hotel and they have also refused to reach out to XXXX to issue a refund. I believe that taking a customer 's money and refusing to provide service or a refund is fraud.
Product: Credit card or prepaid card

I applied for this credit card on XX/XX/23. I received an email requesting that I fax in a copy of my ID SS card and a bank statement with my address. I've called multiple times to get an update on the status of my application and always get the runaround. Today the representative at total select said there was no application on file they sent me an email ( which he could not resend or mail actual correspondence ) and stated I needed to reapply and there was nothing else he could. 
I want an explanation about my application and WHO has my personal financial information. I faxed in my driver 's license, my social security card, and a FULL bank statement. This seems a bit fraudulent since now they can't find my application or answer to why I received an email
Product: Mortgage

AAG Reverse Mortgage Company Filed everything and said that I was okay then after sending Appraiser they went thru all their steps and said they would have appraisal by Friday, two weeks went by and I finally called and was told they could n't give me the loan due to Propane tank had to be off the Premises, and that I had an Industrial shop on my Property, Yes I have a large garage which was my Husband before he passed. My biggest complaint is that all along I was given yes we are going forward and the agent knew that I had a Manufactured Home Skirted with the best Skirting you can buy and it had the plates on each corner. Tied down but I was not told it was due to Manufactured Home and to date I have not received any notification of Denial. I called today and they transferred me to my Representatives supervisor. No return call. I would like to have my Denial in writing and reason or reasons for denial.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act 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, States a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

XXXX 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite my numerous efforts to address the inaccuracies and repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These incorrect accounts are causing significant damage to my credit file and are severely affecting my ability to live a normal life. The impact of these errors has led to considerable hardship, prompting me to urgently seek your assistance in resolving this issue as soon as possible. 

I respectfully request a detailed investigation into the reporting of each disputed account. It is crucial that immediate steps are taken to update and correct my credit report without further delay. Your support in restoring the accuracy and integrity of my credit file is essential for me to regain control of my financial stability. 

I urge you to prioritize this matter and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. 

Thank you for your attention and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Tranunions plenty of time. Sent certified letters and everything. Sent proof of my XXXX payment never been late. The lady on the phone says the letter show proof but dont say deleted the information.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Letter Regarding Civil Liability for Negligence ( 15 U.S.C. 1681o ) I am writing to formally dispute the claim of civil liability for negligence under 15 U.S.C. 1681o I believe that the claim is non-compliant with the Fair Credit Reporting Act ( FCRA ) requirements and does not meet the legal standard for negligence as defined under the statute.

According to 15 U.S.C. 1681o, civil liability for negligence requires proof that a party failed to comply with the FCRA, resulting in actual damages suffered by the claimant. After reviewing the details of the matter, I contend that the claim against me lacks sufficient evidence to demonstrate : A clear and direct violation of the FCRA provisions ; A causal connection between any alleged noncompliance and actual damages incurred ; Proper adherence to procedural requirements necessary to establish a valid claim. 

Additionally, if this matter involves an alleged inaccurate or improperly reported credit-related issue, I request that you provide documented proof of compliance with FCRA provisions, including verification of the accuracy of any disputed information.

I formally request the following actions : Immediate review and correction of any inaccurate, incomplete, or unverified information related to this matter ; Removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX detailed explanation and supporting documentation demonstrating full compliance with FCRA requirements ; A prompt resolution of this dispute, including the removal of any erroneous claims or liabilities associated with this matter. 

Please provide a written response within [ reasonable timeframe, e.g., 30 days ] of receiving this letter. If I do not receive a satisfactory resolution, I reserve the right to escalate this matter through legal channels, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies available under the law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i summited dispute with all the credit reporting agencies in regards to 3 open accounts on my credit report these accounts don't belong to me and is showing on my credit report. i have sent them information about my account with a ftc report stating that these accounts should be removed. they fail to investigate and remove these account. i have called to try to get this issues resolved but i was hung up on by different reps and 1 supervisor this is not right I'm a XXXX XXXX who just had an XXXX. I'm a XXXX XXXX trying to get a place to stay for me and my child. with my credit showing incorrect information on it that does not help my family this is not right.
Product: Consumer Loan

Around XX/XX/XXXX, I purchased a brand new car ( XX/XX/XXXX XXXX Versa ) with a goal of having the car for five years or at least XXXX miles. XX/XX/XXXX, the car started giving me problems, after researching the problem there was a power train issue, which XXXX has an extended warranty for my make and model. After having the car for over a week, XXXX returned the car to me in the same condition. The next day, I returned to car to XXXX, they currently have the car running more test. In addition to not fixing the car, the car failed inspection and XXXX gave me a bill for {$1600.00} to fix the car to pass Maryland state inspection. XXXX ripped me off, I purchased a {$10000.00} car, paid {$30000.00} for the car, it has a balance of {$13000.00}, appraising for {$6000.00} with less than XXXX miles, a refurbished engine and I can not legally drive the car in the state of Maryland. 
On XX/XX/XXXX, I went to purchase a new car and was told that I would not be able to be financed because of the Versa having a balance of {$13000.00}.
Product: Debt collection

Debt amount from Nationwide Recovery Services in the amount of & XXXX was paid in full on XX/XX/2019 and was said to be cleared off credit by XX/XX/2019 but is still listed as a derogatory mark on my credit as of XX/XX/2019.
Product: Credit reporting or other personal consumer reports

All three credit credit bureau. Please correct all information atleast on personal information. 
Attached is 3 credits information. 

there should be only ONE NAME, ONE Address, ONE DATE Birth. 

I dont want to use all technical words of FRCA. In 30 day it has be reported as below mention : XXXX XXXX XX/XX/1978 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX No Employers need to reported After this everything will be dealt on Court of law. I dont think FCRA or FTC can bends you hands
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
XXXX XXXX XXXX failed to send me a notice and to allow me to request validation of this debt before placing it on my credit report. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. I further remind them that they may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide  notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Name of Account Account Number Provide XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account Notice : I am compiling information for litigation. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, LLP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOONTS WERE ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIEVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS AND INQUIRIES
Product: Student loan

Navient claims that I have loans owed to them through University XXXX XXXX XXXX in 2007, which is false and I have all the documents that support that I never used FA for University XXXX XXXX XXXX it was through my work, and I attended that school way after that year. When I sent a letter to them explaining the incorrect information. They still sent another letter saying that this is for University XXXX XXXX XXXX. After numerous attempts to resolve this false claim, they sent notification that it was University XXXX XXXX. This lender has no idea what they are doing and are not even sure which school I went to. They have my balance at over {$32000.00} now, but I am not even sure this is true. When I called the first time, the representative had no idea what school and she was unable to answer me at all.
Product: Debt collection

The Bureaus ( Collection Agency ) is attempting to collect a debt on behalf of XXXX XXXX that I have no recollection of. I have made numerous attempts to reach them to validate this debt and have received no response or correspondence. Please remove from XXXX, XXXX, and XXXX
Product: Checking or savings account

I have been a victim of ID theft. On XXXX I contacted CITIBANK that someone fraudulently took out {$1500.00} from my savings account and opened a checking account and requested an ATM. We notified the bank and they said that account is now frozen and that money is safe. We learned that this was NOT true. It appears thief processed an unauthorized ACH which was not done by me. I told bank to close the fraudulently open checking account and put funds back into savings account and to close account and to send me a check for all my funds. To date they keep opening and closing cases, I have 4 so far, and they have NOT sent me my money for the full amount I am owed.Please help in getting my money. I have at least 100 hours of phone calls to date. I keep getting transferred to XXXX and then request US rep but they do nothing or hang up.
Product: Credit reporting or other personal consumer reports

I wanted to know who they sent my personal information to without my permission and why were they being sued if they didn't do it
Product: Checking or savings account

In the month of XXXX I made a deposit of XXXX XXXX dollars in cash at the ATM of the Bank of America bank branch at XXXX XXXX XXXX, XXXX fl XXXX. The ATM gave an error and recognized only {$300.00} of the XXXX deposited. A claim for the deposit difference, to which Bank of America replied that that deposit and all the funds in my account were frozen until the investigation of the deposit in question was completed, and that my checking account would be permanently closed, that the funds in my account would be sent to me in a check later. 
On XX/XX/XXXX, I received a letter from this institution, informing me that the XXXX dollars difference that were under investigation had been issued to my account as a temporary credit while the investigation was being carried out. On XX/XX/XXXX, I received a new letter from Bank of America where they told me, and I quote verbatim We wrote you about your claim. What you need to know During our investigation, we determined that the amount in dispute should have been {$1000.00}. The adjustment will appear on your statement, or you can visit bankofamerica.com to review the adjustment online. The total amount of {$1000.00} is now permanent and we consider that your claim is closed. On XX/XX/XXXX I received a new letter where Bank of America informed me that the funds deposited on a temporary basis were once permanently available since the claim was resolved. Finally, on XX/XX/XXXX, I received a last letter informing me that my account was permanently closed. After this, they also closed my access to my business account, which also frozen the funds, alleging that Bank of America did not want me as a client and that the funds in my business account would also be sent to me by check before the XXXX of XXXX. Today we are 9 days from XXXX and my funds are still frozen and the check has not arrived. I request to the XXXX XXXX agency a bank report and in this report Bank of America declares to have closed my accounts for checking account fraud, which is totally contradictory with the result of the investigation product of this I have a restriction that does not allow me to open accounts with any banking institution. I have contacted several departments of Bank of America and all the answers are ambiguous, they have only transferred me for weeks from one department to another.
Product: Checking or savings account

XXXX XXXX, a XXXX XXXX i used to go to posted on her XXXX page about a successful trading with her XXXX investor coach XXXX ( XXXX name ) by Bitcoin mining and that she was able to withdraw her profit of $ XXXX plus by shelling out only $ XXXX. She encouraged us to do the same and that we should message her coach. And so i did, after i sent the money to XXXX via XXXX she sent me the cryptoemprextrades.net website info to set up an account. I called Wells Fargo XXXX to dispute it as i felt uneasy and stupid but I kept getting the automated reply to call back after the holiday. 
XXXX got back with me, and at this point, there was already {$7900.00} in the account with {$6900.00} available for withdrawal. I tried to withdraw money to make sure it wasnt a scam but i was told by both XXXX and an agent from the website that i needed to pay the upgrade fee first of {$2200.00} or more depending on the brokerage level status that i choose, otherwise, i will not be able to take any money out. I didnt send any more money as things were not adding up anymore. 
I messaged XXXX but she never replied back. I would not have believed this if it was from a random post but since it was from someone i know, i tried. 
I am still in disbelief that both Wells Fargo and XXXX dont have any sort of a solid process to filter out the scammers. Anyone can easily make an account and potentially use XXXX as one easy venue to scam people. Im still hopeful for XXXX or Wells Fargo to give me a courtesy refund. I dont feel like legit clients like myself are left vulnerable due to lack of scamming filter in their transaction system.