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

I received a {$50.00} Vanilla Cisa card as a XXXX gift but when I tried to use it at four different retailers and once online it was declined. I called Vanilla customer service XX/XX/XXXX to inquire. I wa told oh a lot of people complain about that. I balked and they said theyd send me a refund check to arrive in five to seven days. 
After it didnt arrive after 2 weeks I called again. I was told the refund is bring processed and I would get my refund in 7-10 days .never received. I called XX/XX/XXXX again and was told that the refund is processed and I would get the refund in 5 to 7 days. 
Upon investigating online and on social media I found dozens of complaints from consume, fed about the same issue : Vanilla gift card didnt work and they requested refund only to be given the run around and the refund never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak-timely and effective measures to prevent address fraud on their platform, leaving m, account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX US DEPT OF EDXXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been damaged due to COVID-19 by loosing my employment and still waiting for Unemployment. I contacted my creditors one being XXXX XXXX  to inform them and request assistance. I was given a letter stating two months payments would be waived due to the Pandemic and my situation. I thought XXXX XXXX was here to help consumers during this pandemic but they have done nothing but hurt my credit. I was informed that two months would be waived along with late fee, although I still made payments and managed to pay off some of my accounts, XXXX XXXX reported to the credit reporting agencies XXXX, XXXX and Transunion that the accounts were 2 to 3months late when they had informed me that I didn't have to make any payments for two months and late fees were waived. This reporting has caused more damaged to my credit by having other cards closed and credit limits decreased due to their reporting. It is my understanding that due to the Pandemic ( Cares Act ) creditor are suppose to work with consumers and prevent from damaging their credit and credit reporting agencies should not report anything negative on consumers credit during the Pandemic. XXXX has damaged ones credit but advertise they are here to help consumers.. 

Negative information has been reported to my XXXX XXXX XXXX XXXX XXXX all have caused damaged to my credit. I have never had any late payment history until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I was 30 days past due on my XXXX XXXX XXXX also known as XXXX  card on my credit report. 
I called to explain that I was affected by XXXX  and had lost my job. I was receiving unemployment but in ended in XXXX of 2021 and a XXXX forbearance plan through my mortgage company ( attached document ). 
The company did not properly notate my account of my request and hardship. Even though I paid them as soon as could, they did not give me any consideration for the natural disaster that I faced. 
I was later told that the company does not take into consideration any XXXX  related hardships. In the last three years that Ive had this account this was the only time that I was more than 30 days late and they put a negative mark on my credit report.

It is affecting my personal life via my credit score to refinance my home now.

I have submitted a document as proof that I was on unemployment due to XXXX XXXX and that my claim expired the same month of the delinquency incident in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> a complaint was initiated about fraudulent accounts on my credit report. See CFPB Complaint # XXXX. Your company did not process my request but stated you would reinvestigate after the source of the information verifies its accuracy. See attached. The accounts in question are XXXX XXXX  ( XXXX ), XXXX XXXX XXXX, XXXX XXXX. As of XX/XX/year>, I have yet to receive any correspondence other than the CFPB response on XX/XX/year>. Under 15 US 1681 ( Procedure in case of disputed accuracy ) you must reinvestigate within 30 days and send results by mail. I have yet to receive anything.This is a violation.
Product: Debt collection

The collection agency has engaged in false and misleading practices. Violating FDCPA 807 and providing misleading forms violating FDCPA 812.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to r=the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX XXXXBalance : {$0.00} XXXX  3445466289PA0****Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX / XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, and everything was fine before, but suddenly, there are discrepancies. I even refreshed my browser, hoping it was a glitch, but nothing changed. These incorrect accounts remain, and Im desperate for help. Please review the documents Ive sent thoroughly so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle online via XXXX, XXXX. On XX/XX/XXXX, XXXX sent a copy of the credit score they used from Experian to determine financing. The score provided by Experian was XXXX. I called XXXX the same day to ask why the score they used was lower than the score I was seeing. On XX/XX/XXXX XXXX responded by telling me they use a combination of XXXX Score XXXX and XXXX XXXX. The same day, I ordered my XXXX Score XXXX, which was XXXX, and my XXXX XXXX score, which was XXXX. I then asked both XXXX and Experian if they could explain why the XXXX score they were using was so much lower than the scores I was seeing. Neither company gave me an answer that explained such a drastic difference. 

If Credit scores are provided as a guide to help consumers determine their potential financing, then someone should be held accountable for explaining how and why a lender is using a score that is drastically different from the score to which the borrower has access.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the + consumer and the person making the report ; 998 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 purpose.
Product: Credit reporting or other personal consumer reports

The following inquiries I do not recognized and didn't authorized them. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Experian XXXX XXXX  XX/XX/year> - Experian XXXX XXXX XX/XX/year> - Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two FTC reports with inquires I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a fully detailed dispute via mail in early XXXX of this year in reference to disputing issues on my credit report to Experian. The mail was certified and signed ( received ) on XX/XX/2021. Since then there has been no communication or explanations resulting from the dispute and today marks day 30 without explanation. I tried to call Experian, but they now have a recorded operator who will not allow human interaction with employees. As stated before, this is day 30 of my dispute, and nothing disputed has been proved nor explained or removed and I'm requesting them to remove what I disputed in my mailed dispute since they have had their time to ignore my investigation request.
Product: Payday loan, title loan, or personal loan

Obtained loan in XX/XX/XXXX from Mariner Finance , LLC. I had the understanding that it was a simple interest loan at nearly 29.49 %. I have good credit but I was in need of a quick loan to close on an investment property so I accepted the rate. I paid my payments for some reason the did not record one of my cash payments in the store. They didn't report me to the credit bureau until after I paid off the loan on XX/XX/XXXX. They reported me after I questioned the payoff amount and demanded to speak with a district manager. They gave me her number which was incorrect. The payoff was more then the original loan amount of {$5000.00} even after my 7 months of payments my payoff was {$5000.00}. The stated this was fees an interest charges. They did not have an amortization schedule to detail where my funds applied. I fee like this is taking advantage of the general public. Even with my background in Real Estate Sales I  was unable to understand their paperwork, policies and application of payments to the loan.
Product: Credit reporting or other personal consumer reports

I believe I am a victim of a data breach, inflection employee errors, identity theft, fraud, credit mismatch and/or inaccurate/unverified and incomplete information. There have been more than 1 dispute sent to the credit furnisher asking for correction to my credit report. I have been ignored with no response more 1 time or more when I sent dispute via certified mail USPS tracking # XXXX Delivered XX/XX/XXXX, XXXX. I do not recognize this INACCURATE information. Please get these Items Deleted off my Credit Report ASAP! 


Here is the information to be removed XXXX XXXX XXXX XXXX : Record # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Record # XXXX Court Name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX - Account Number:XXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX XXXX - XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX XXXX XXXX XXXX - Account XXXX i don't recall having late payment on this account XXXX XXXX XXXX - Account XXXX This is not mine. 
XXXX XXXX  XXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXX XXXX - Account XXXX Please investigate the history reported on this account It is absolutely inaccurate that this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX Please remove it from my public record XXXX - Account XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 card

The date of the first delinquency they have is not the same for what I have. Under 15 USC 1681BE you must provide maximum possible accuracy. I am also requesting and XXXX of my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX XXXX  and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX # XXXX   XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX , I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent Experian XXXX fraud letters regarding a XXXX account that does not belong to me. They did respond asking for identification and proof of residence, which I sent initially but I sent it again. Have not heard anything back from them. I submitted an FTC Fraud Affidavit that I had notarized at my local bank. It disgusts me that Experian is allowed to operate a business this way. I 'm on the verge of suing this unethical company. Identity theft is a huge problem in this country and I am a victim of it. I have attached the FTC Affidavit I sent Experian along with a final certified receipt date XXXX/XXXX/2015. On XXXX when I went to check the status of my dispute using their Report number # XXXX the website stated that I HAD NO ACTIVE DISPUTES. Please assist me in getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is showing I was 30 days late 5 times from XXXX XXXX-XXXX XXXX. I have sent numerous letters to get it removed but no response. Now cause of covid19 I cant use my personal credit to be approved for loans because of this error. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, no XXXX