23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

See Attachments : VANILLA / INCOMM Dispute Claim Images of VISA Gift Card Receipt of Purchases This is the back and forth with VANILLA / INCOMM : XX/XX/XXXX and XX/XX/XXXX My issue is once I sent the back-up information they requested, they have simply ghosted me. 

XX/XX/XXXX Gift Disputes Today, I went to activate the Vanilla card today and in doing so, saw a XXXX  balance. The giftcard package did not appear to be compromised. 
My friend, who lives in the XXXX area gifted this to me in XXXX. 
Looks like she purchased at XXXX on XX/XX/XXXX. 
XXXX was used on XX/XX/XXXX at XXXX ( I dont even shop at XXXX ). 
Never attempted to use until today to purchase XXXX gifts for my grandchildren. 
Dont understand how a purchased and activated giftcard, in original packaging and never opened, can be depleted by someone else? Very saddened by this situation. My XXXX is now ruined. 
XXXX XXXX XXXX XX/XX/XXXX - EMAIL SENT TO VANILLA FROM XXXX XXXX A FAVOR OF REPLY IS APPRECIATED. I HAVE SENT THIS EMAIL THREE TIMES WITHOUT ANY FEEDBACK. PLEASE ADVISE. 

You asked for back-up showing the purchase transaction and actual gift card. Again, this was a gift from a friend who resides in the XXXX area. She has provided the transaction information. See attached. I have provided images of the actual Gift Card. Value was {$500.00}. VERY SAD SO MUCH FRAUD happens in your space. 

XXXX between InComm and XXXX XXXX Dear Customer, Hello XXXX XXXX, This is InComm contacting you about your gift card issue, XXXX. We have reviewed your claim and we require documents to complete your request. Please provide your documents at your earliest convenience. The documents we are requesting are as follows : Front of the gift card and a copy of your receipt. Please follow this format on the subject line of your email : First Name Last Name Case ( Insert Case Number ). We are sorry for the inconvenience. This is a do not reply email box. If you have more questions or concerns, please contact us at our customer service department, XXXX. If you are a XXXX  Gift Card customer, please contact XXXX. 
Please send your documents to the appropriate location for your claim. 
Activation Issue Fax Number : XXXX Activation Issue Email Address : XXXX Fraud Department Incomm Payments __________________
Product: Credit reporting or other personal consumer reports

Ive discovered inaccurate information on my credit report under 15 USC 16c-2. This incorrect data is negatively affecting my credit, and I did not authorize any of the inquiries listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my experian credit report and there was a charge off reported by XXXX  that was incorrect. i contacted experian multiple times to explain to them that the account information was incorrect and they did not fix theproblem nor did they attempt to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed two accounts on my credit report that I did not recognize. I have never had XXXX  XXXX or XXXX. I never even use my credit. This has to be identity theft because I never solicited these credit accounts. Please help me.
Product: Checking or savings account

My account was put on restriction over a month ago and I was told that it was due to suspicious activity. About a week or so later I called and I was told that my account was CLOSED, however I have no received my money which is still inaccessible and I need my money. Its been over a month but no one can give me answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact PayPal for years. Yet they only respond on email claiming they have called yet has never called. 



I had a seller account on XXXX which is operating payments through PayPal. 

On XX/XX/XXXX the buyer in the document included purchased an XXXX XXXX from me. 
Item was shipped and received perfectly fine. Even though purchase had a no refund and no return policy. The buyer waited 3 weeks to them advise phone screen is freezing. Beyond his knowledge the phone is brand new, being that I had lost mine prior to my contract ending and had to be sent a new one. Paypal ruled the case in the buyers favor and approved him to return the device. Which I have still not received my phone back. The customer stole my phone and sent me back a phone screen glass. In dispute I immediately contacted paypal and advised of the issue. Then they advised I had till a certain date to get police report. Even though the date hadnt passed paypal went against what was advised an closed case early and refunded client even though I have included pictures of what was returned to me. 


I would like to proceed with all necessary to be refunded for my phone as well as compensation for this inconvenience, stress and all the incorrect info being reported to the credit bureaus. Not only they did not protect me as a seller. They also helped a person steal from me. I will Include all the documents PayPal also received for this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agency failed to conduct a reasonable reinvestigation on the disputed information due 30 days from the date they received the dispute for the follow items : XXXX XXXXXXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX  {$14000.00} XXXXXXXX XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX - XXXX {$4700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX {$2700.00} XXXX {$1400.00} XXXX {$8800.00} XXXXXXXX XXXX {$4000.00} XXXXXXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$16000.00} XXXX {$3500.00} XXXX XXXX - XXXX {$4700.00} Unauthorized Inquires : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have willfully failed to delete the disputed accounts and unauthorized inquires that are not tied to any accounts because you said it remains and that inquires are factual. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my disputes. Note, you have no reasonable determination that my dispute was frivolous or irrelevant nor have you sent me notice of such determination that complies with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 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. 

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX, have all violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

According to Equifax, my information was compromised in the latest security breech. I know must worry about identify theft forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is being inconsiderate, I have tried for a number of times to find resolution with these company but all efforts are in vain. I had a XXXX XXXX XXXX in late XX/XX/2018. The XXXX was not 100 % successful, it turned up to be a nightmare as I had to stay in the hospital for further checkup. In the process, I was unable to work and suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt XXXX XXXX 
My condition was so bad that I could not manage my finances for a period of time. As a result, fell behind in my monthly payments for that period. But after I recovered that is late XXXX that year, I have been making my payments in time ever since. It was never my intention to be late. As a matter of fact, I could not work during that period as I was recovering from XXXX XXXX. After I recovered around XX/XX/2018, I have maintained a perfect record ever since. Also, keep in mind, if it were not the XXXX XXXX, this account would have never fallen behind. 

Attached herewith is the letter I sent them earlier
Product: Money transfer, virtual currency, or money service

I created an account with Gemini app on XX/XX/2021. A part of the process involves submission of a passport or drivers license to verify my ID. I submitted this information, deposited funds and bought some cryptocurrency. Gemini accepted my money, allowed me to purchase cryptocurrency but still has not verified my ID so I can not withdraw or transfer any funds or cryptocurrency and it has been almost two weeks. I emailed them but only got an auto email not addressing the issue but saying that they are back logged and to use their support services. 

Their support services do not fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against the credit bureaus ( XXXX, EXPERIAN, XXXX ) regarding their handling of inaccurate information on my credit report, despite multiple attempts on my part to rectify the situation. Additionally, I have reason to believe that my personal information, including my Social Security Number ( SSN ), has been compromised, leading to fraudulent accounts being opened in my name.

Over the past several months, I have diligently attempted to address discrepancies on my credit report with the credit bureaus. Despite my efforts, the incorrect information persists, adversely affecting my creditworthiness and financial standing. Furthermore, upon discovering the fraudulent activity, I promptly filed a Federal Trade Commission ( FTC ) Fraud Affidavit to document the unauthorized use of my personal information.

One specific instance involves an account listed as in collections by the XXXX XXXX XXXX. Upon requesting debt validation, XXXX XXXX has confirmed that they have no record of such an account associated with my name or SSN. This discrepancy clearly indicates fraudulent activity, yet the credit bureaus have failed to take appropriate action to remove the erroneous information from my credit file.

As a consumer protected under the Consumer Financial Protection Act ( CFPA ), I am demanding that the collection item be promptly removed from my credit report. Failure to do so would not only be a violation of my rights as a consumer but would also implicate the credit bureaus in aiding and abetting illegal actions.

I am seeking your assistance in ensuring that the credit bureaus comply with federal regulations and take immediate steps to rectify this situation. I request a thorough investigation into the inaccuracies on my credit report and prompt resolution of any fraudulent accounts opened in my name.

Please find enclosed copies of relevant documentation, including my FTC Fraud Affidavit and correspondence with the XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a timely resolution.

Thank you for your assistance in this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. I have sent 10 previous letters to the credit bureau requesting the documentation used to verify the dispute. And remove inaccurate information from my file and have failed to do so. I believe thats a violation of the FCRA In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

To prevent any confusion the accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm filing this complaint personally regarding late payments on my credit report. I sent letters over a month ago requesting validation, but have received no response or adequate verification. I'm seeking your help to address this issue.
Product: Checking or savings account

My account was closed without my knowledge I've added money to my account numerous of times by atm and still receive messages saying my account is in the negative
Product: Payday loan, title loan, or personal loan

Today, XX/XX/2022 at approximately XXXXXXXX XXXX. XXXX, I called the company to make a payment of {$110.00}. ( Their website for processing payments is repeatedly not working, and when it does, it defaults to posting the payment no sooner than two days from today. That is how they incur additional interests on the loan ). 

Today the agent took my debit card info and then provided me with a confirmation number for a payment of {$290.00}. Again, it was supposed to be a payment of {$110.00}. She apologized for her mistake, put me on hold for approximately 12 minutes, then came back on the line and said " hello, hello, hello '' then disconnected the call. I called back and spoke with a supervisor by the name of XXXX, who informed me he was made aware of the situation and the agent will be held accountable for making the mistake. However all he could do is " apologize ''. I told him the call with the agent is recorded and he could listen to what happened. He/they refused to cancel the transaction or refund the money, until it posts as final to my bank statement 4 to 5 days later. In the meantime I am going to incur overdraft fees and NSF fees from the bank and other merchants. 

This is theft. And I am incurring substantial fees because of their theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported an account # XXXX XXXX XXXX XXXX. I have provided court documents that show I do not owe anything. This needs to be removed immediately.
Product: Debt collection

I am a former employee who banked at XXXX. I was literally forced to have an account with them or receive a paper check which would take forever. I closed my account with XXXX on XX/XX/XXXX and I left the company on XX/XX/XXXX. I requested a paper check for my last check so nothing would come through the account and reopen it. I made sure there was a zero balance on the account when I closed it. On XX/XX/XXXX XXXX deposited my last check of {$11.00} into a closed account after I requested to receive a paper check. By the direct deposit hitting the closed account that automatically reopened the account and on XX/XX/XXXX a preauthorized withdrawal hit the account for {$29.00} which at this point was not authorized and had XXXX left the account closed and not made an unauthorized deposit the account would have remained close. Instead I was charged overdraft fees and these preauthorized withdrawals attempted the account on XX/XX/XXXX and XX/XX/XXXX both causing more overdraft fees. In the XXXX lawsuit, XXXX settled for over {$24.00} XXXX for predatory practices. XXXX has a history of erroneously charging overdraft fees and my experience is another case. Derogatory information has been placed on my credit report causing lending denials. 

I contacted Amsher directly to verify this debt and instead of actually researching the debt, I received bank statements with my personal information on them. That is not verifying the debt. 

I am filing this report and if the negative information is not removed my next course of action will be to take legal action against Amsher and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I entered into a contract with Volkswagen Credit for a loan of 72 months. The original amount was {$27000.00} with an interest rate of XXXX percent. The payments were first due on the 1st of each month beginning with the month of XXXX of 2019. XXXX 's interest charge should have been {$65.00} of which is 16 days from the XXXX of XXXX until the XXXX of XXXX of 2019 multiplied by XXXX of which is the result of XXXX x 5.4 % which equaled XXXX and then was divided by XXXX. This should have brought up my balance to {$27000.00}. Then from the XXXX of XXXX until the XXXX of XXXX would have been 27 days. XXXX XXXX % = XXXX then/ by XXXX = XXXX and then multiplied by XXXX = {$110.00} then plus XXXX = {$27000.00}. A payment of {$450.00} was made of which should have brought my balance down to {$27000.00}. The amortization statement says the balance was {$27000.00} BUT the billing statement says that my balance was {$27000.00} - apparently as of the XXXX of XXXX of 2019. So, I multiplied {$27000.00} by 5.4 % which equaled XXXX and then divided it by XXXX which equaled XXXX and multiplied by XXXX which represented the days of XX/XX/XXXX until XX/XX/XXXX of 2019 and the answer was {$40.00}. {$27000.00} + {$40.00} = {$27000.00}. This is a difference of {$3.00} of which was added to what I owed. It apparently appears that I was originally overcharged {$3.00} during the first month of which could have a serious impact on interest charges due to an incorrect balance- of which the wrong balance would have been reported to the credit reporting agencies.
Product: Checking or savings account

In late XX/XX/year> and early XX/XX/year> Associated Bank closed my account despite me having an open dispute and being an excellent customer for 10 plus years. I filed a dispute and provided documentation in regards to XXXXXXXX XXXX stating that I had to contact my bank to receive my money bank. Associated Bank never responded to my dispute and never gave me my money back which amounted to at least {$1500.00}. Associated Bank discontinued my access to any prior account information despite me filing 2 complaints and providing information from the company stating I needed to contact my bank to get my money back, Associated Bank isn't out any money as this is my money that is owed to me. Associated Bank has had months to make this right and has refused to do the correct and proper act in returning my money. I supplied the bank with the letters I received from the company that states I need to contact my bank and they purposely didn't investigate. The employees at the local branch disposed of the documentation I provided after they closed my account under false accusations. I want my money refunded. Associated Bank needs reported to the FDIC.
Product: Credit card or prepaid card

XX/XX/2018 XX/XX/2018 hurricane floremce made contact with the east coast. im XXXX XXXX military XXXX  in north carolina. the XXXX XXXX XXXX  was in the mall in XXXX NC it shut down after the hurricane so we then had no nearby store to pay our XXXX $ bill. the company would never let us pay on the phonein return this resulted in my credit going way down.
Product: Checking or savings account

I went online to Wells Fargo give my XXXX driver 's license information address security numberand date of birth and it couldn't confirm my identity. 

I think they're trying to XXXX me around because I'm an account way in the past and they're jacking me around.
Product: Student loan

MY student loans have been on my account for over XXXX years I got XXXX in XXXX  and I am on fixed income and federal loans knows this I have provided of XXXX and have provided any help im going need if go back to school or college i can not sit in a regular class i have contacted them about discharge there no need to keep difering or keep payments late and not charging me every month if not able to pay in XXXX then i wont be able there i am requesting permission discharge not demanding. But just simple asking