23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My complain is with Equifax. What is the status of providing my results on previous investigations. How is the verification the XXXX XXXX has the more correct data than the US District documents that I have. Equifax closes investigations with statement, Closed with Explanation sent to consumer. The explanation is horrible, there is no validation unless a company can verify its own information. the name of the company, address, and the statement this has been verified as an account belonging to you. I want to know how and who is able to verify this and the document that prove it.
Product: Prepaid card

My fiance and I just purchased a Vanilla Visa gift card from XXXX tonight ( XX/XX/2023 ) for one of our relatives that is helping with our wedding this weekend ( we were wanting to do something nice for all the help they have given us ) We purchased the card and put {$200.00} on it. When we got it home and were taking it out of the blister pack it was in ( which was sealed ) so we could put it in the greeting card, we noticed the last 4 digits of the card number were scratched off, and also the 3 digit cvv was scratched off. So we have no way to access the {$200.00} we just put on the card. 

We immediately took the card back to XXXX tonight, and were told by them that they can not do anything about that due to it being a gift card ( non returnable/non refundable ) They told us to call the number on the back of the prepaid card. 

I proceeded to call the number and spoke with a representative about getting a repalcement card. They initially asked for the 16 digit card number, which i told them was not possible because the last 4 numbers and the cvv were scratched off. 

She then proceeded to take my name, date of birth, address, phone number and the XXXX reciept ID #, but then also told me i will still need to send in a verification of address ID ( drivers license ) copies of the front and back of the card, and the XXXX reciept. I just dont feel comfortable sending to an email im not familiar with ( XXXX ) especially after reading quite a few other peoples experiences with Vanilla, some of which haven't received a refund going on a couple of months. 

They gave me a case # XXXX, but i am still very leary about sending them any more personal info for a prepaid card. 

Even after I send all of that info, they said it will take at least 30 days to invesitgate before they can possibly send a new card. This seems very shady to me, and i feel violated for them taking {$200.00} from me and holding it XXXX  until they deem it ok ...... 

I ended up having to purchase another gift card for {$200.00} ( which we verified at the store to make sure the numbers werent scratched off ) so that we had one to give for our wedding this weekend. That was {$200.00} i wasnt planning on having to spend, so it is a bit aggravating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries were unauthorized and my identity was compromised. I asked for validation from Equifax but it was validated with no information given. Here is the list of inquiries I would like removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

My card was lost and funds were stolen from My account. Neither the merchant nor the bank is helping Me. I told them that I was out of state and even submitted PROOF, multiple times. My claim keeps getting denied for a biased reason. I one is sincerely looking into this matter, meanwhile My business is suffering. Please help retrieve My money that was stolen from My account via unauthorized transactions. The fraud occurred in New York, while I was in XXXX XXXX New Jersey, I will submit the proof via attachment ( My business account bank statement ). The amount is {$760.00} done on XX/XX/2024. I did not delay, I called it in immediately. The dispute agent took My information down wrong. It was NEVER mentioned that I was out of state in the INITIAL dispute filing ( Ive requested them to reopen several times but they are unprofessional, they said that they would but never follow through with that action/promise/assurance, ever.
Product: Credit card or prepaid card

I had set up autopay at the beginning of XXXX and normally receive emails for what's due every month for my credit card. I've never been late on payments before so I was surprised to see interest charges and late fees on XX/XX/XXXX. Apparently, my autopay failed to setup correctly ( unknown to me ) and I got no emails from Bank of America for my credit card balance because of a partial credit and a refund. When I called on XX/XX/XXXX, I was told this was all my fault that autopay didn't work or that I didn't receive any emails which I normally do, including getting one for XXXX. Bank of America 's online payment setup is cumbersome and poorly designed on purpose for these sorts of issues, and the lack of proper messages for autopay and payments seems to be on purpose so that they can collect interest and fees and then claim " it's not in the system, so it's not bank of america 's fault ''. 

FYI, this is only part of the system issues. BoA 's credit card payment does not show how much is left of the previous monthly statement to pay off for full amounts, and the account site often erases payment information. Even after diligently dealing with all of this over 9 years, it is the failed autopay and lack of messaging that caused me to miss a full payment on time.
Product: Consumer Loan

In dealing with Regions bank, I never received an initial loan statement for a used car loan. After 30 days I became concerned and contacted them on XXXX XXXX, 2015. They did not have my apartment number in the statement and I updated them accordingly. They noted my payment was due on the XXXX of XXXX but there was a 10 day grace period and asked if I would like to pay. I said no, noting that my first payment I would like to send myself and not through customer service. The rep noted that I would be sent another statement to my updated address and then asked if I would be able to access this account online. They then said yes and offered a checking account, which I declined. The rep noted that I would receive a statement in 3 to 5 business daysOn XXXX XXXX, I received a call from the Collections unit, noting I was delinquent on my loan and asked if I would like to pay. I told them I had called on the XXXX and they were supposed to send me a new statement and that I have not yet received one. The Collections agent noted that they did not see mt updated address and that they would have to add the missing apartment number then asked if I would like to pay. I said again that my first payment I would like to complete on my own and not through customer service. They said I would be receiving my statement shortly. 

On XXXX XXXX I got another call from the Collections unit, noting I was late on my account. I told them I had not yet received a statement and they said my apartment number was missing. I told them I had already spoken to them twice before and still have not received my statement.
Product: Credit card

wells fargo isn't allowing me to have my credit card which is open and active to be registered online to be able to log in see transactions pay the credit card balance etc they are discriminating against me for no reason whatsoever!
Product: Credit reporting or other personal consumer reports

Ive reached out to this company LCI that furnish my private information to XXXX credit agency its illegal and a violation of my rights under the fcra I did not authorize for that company to share my private information to the XXXX I spoke to a representative at XXXX and they said they got the info from LCI
Product: Debt collection

On XX/XX/23 a person called me from a restricted number saying they were trying to deliver important documents to me. He told me to call XXXX and reference XXXX  XXXX. When I called the person read off my name, full social security number and asked for my DOB. I was hesitant to give it but I did. He then told me I had a civil suit against me with Bank of America to collect over XXXX XXXX. I told him I never had a Bank of America account and he became rude and told me I was in a lot of trouble if I didn't work with him on this, etc. so I hung up the phone. I was surprised that they had my full SS # which lead me to believe they were legit.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

lost my daughters social security number along with mine on XXXX XXXX 2016. filed a police report. they have been replaced, but i would like to get a copy of her credit report just to make sure no one has used it
Product: Credit reporting or other personal consumer reports

Im having an issue of getting my Chex Systems Consumer Report. I need a copy of my Chex Systems Consumer Report. Full Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im being denied to rent a place to live with my child anywhere because of a car loan that is showing delinquency and Im not the owner of the vehicle from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There was a database with all three credit agencies and with Experian twice and when I check my credit report there's so many different things on there that are not that don't have anything to do with me that in several different names my name spell several different ways different phone numbers that I don't recognize addresses transactions credits student there's all kinds of stuff so I just need them to remove all the items that I don't recognize that don't belong to me so I need them to remove those those items that are not connected to me in any way phone number is addresses transactions credits I need those items removed immediately all of them
Product: Student loan

Hello, I have recently tried to pay off my student loans in full. I paid {$22000.00} on XX/XX/XXXX at XXXX to the entire account. I had used the repayment calculator to account for interest 2 days in advance because Nelnet stated it would take 2 business days to process. Today, XX/XX/XXXX I saw the money I used taken out of my bank savings account but it is still processing on Nelnet. I just want to make sure that the money has been applied to my loans, paying off everything, and that I will not be held responsible for the interest that as accured due to the extended processing time. It is not a small amount of money, and I want to make sure that the loan is properly paid off. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM XXXX  AND EQUIFAX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I submited a dispute wihth Experian to dispute a 30-day late payment that XXXX XXXX reported for XX/XX/XXXX and provided them with copies of my XXXX XXXX statements showing that XXXX XXXX made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account ( XXXX XXXX has me past due incorrectly on my XXXX statement ). After submitting the evidence to Experian, they sent the information to XXXX XXXX, but XXXX XXXX validated the late payment even though I provided evidence ) and Experian disregarded the evidence and left the 30 day late payment because XXXX XXXX " validated '' the late payment. I have disputed this twice with Experian on XX/XX/XXXX and on XX/XX/XXXX closed the dispute and left the 30day late payment - completely ignoring the evidence/documents. I called them on XX/XX/XXXX after reviewing the results and they said even though they had the evidence they can not delete it, unless XXXX XXXX tells them to. I thought they were supposed to be the mediators in this investigation, but according to them, they only go based on what the creditor provides them -- regardless of any evidence or legal documents I may have. They recommended that I reach out to XXXX XXXX, but I explaned that they can not find my account when I call over the phone. Anyway, I disputed the late payment with XXXX XXXX again on XX/XX/XXXX and on XX/XX/XXXX they closed the dispute AGAIN saying the same thing - XXXX XXXX validated the late payment and could not provide me with proof or comments from XXXX XXXX. Also, XXXX XXXX is disregarding the documents and when I call them they are saying my account has been purged and they recommend me to reach out to the credit bureas. So it's like Experian says to call XXXX XXXX, and then XXXX XXXX says to call Experian - I keep getting the run around and being re-directed and all parties are not reviewing the documents. I was under the impression that Experian was responsible to make sure XXXX XXXX corrected their error and see their oversight, but Experian said no and there is nothign they can do if XXXX XXXX keeps validating the late payment. Any help you can provide will be really helpful. Additionally, I did reach out to XXXX XXXX XXXX Offices on XX/XX/XXXX and also sent them the documents I sent to the credit bureas on XX/XX/XXXX - they are the only department that can find my account, but can not dispute it on my behalf and they have routed to their credit department which keeps validating the incorrect payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XX/XX/XXXX : Contacted Transunion. Suggested some information change. Agent asked about my address. The address they had was incorrect. Told them XXXX XXXX XXXX, XXXX, NJ XXXX is only address. Primary Residence. Should be no Apartment or P.O. Box notation! 

XX/XX/XXXX : Called Transunion to address the address. Told them there should be no Apartment Number or P.O. Box address XX/XX/XXXX : CAlled Transunion again.
Product: Money transfer, virtual currency, or money service

The online brokerage app, Robinhood, has restricted me from withdrawing my own funds from their platform and has provided no reasoning specific to my account. They informed that restrictions such as these may happen if a consumer 's account is in the negative or a previous bank transfer attempt has failed before, but neither of these cases applies to me so my account should not be restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items on my credit report as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... dept.of education ( Aidvantage ) whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX Auto-acct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX XXXX XXXXp-acct # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX-acct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX-acct # XXXX XXXX Has violated my RIGHTS. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Despite communication with the company inaccurate information remains on my credit report. inquiries are shown on my credit report that were not authorized by myself that the company has failed to remove and is affecting my credit. 
XXXX XXXX  XX/XX/XXXX XXXX mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX mortgage XX/XX/XXXX
Product: Debt collection

I have tried to have Helvey and Associates fix the date of first delinquency on my credit reports and they continue to provide standard responses to my request, stating there is nothing new to review. This will be the final attempt before taking further action. The Consumer Law states the date of first delinquency also known as the DOFD is the date an account became 30 days late which led to a charge-off by the creditor. The FCRAs Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged off or placed for collection. This is the date also used for State Statue of Limitations. Helvey has provided spreadsheets showing my last date of payment is XX/XX/2013. They have reaged this date and by further admittance in the XXXX XXXX report and have admitted they are using a date of disconnection, which reages the account out an additional year on my credit report. This is listed as unfair practices according to the FCRA which not only can they be fined for, I could sue them for a lot more money then they are attempting to collect.
Product: Credit reporting or other personal consumer reports

Response to Companys Reply - CFPB Complaint XXXX To Whom It May Concern, I am writing in response to the company 's reply to my complaint dated XX/XX/year>, regarding the PRA account ending in XXXX. While PRA has stated that they conducted an investigation and verified the accuracy of the information furnished to the consumer reporting agencies, I am seeking further clarification on the specific steps taken during their investigation.

As per the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau Regulation V, I request that PRA provide a detailed account of the following : Verification Process : The exact steps PRA took to verify the information provided by XXXX XXXXXXXX, including any documentation reviewed and any communication with XXXX XXXX 
Any specific methodologies or criteria used to determine the accuracy of the information. 
Documentation : Copies of all documentation received from XXXX XXXX at the time of purchase, as well as any additional documents used in the investigation process. 
A detailed explanation of how these documents support the validity of the debt and the accuracy of the information reported to the consumer reporting agencies. 
Dispute Handling : A detailed explanation of the process followed by PRA upon receiving my dispute, including any internal guidelines or procedures adhered to during the investigation.

The name and contact information of the individual ( s ) responsible for conducting the investigation.

Compliance with Laws : Evidence of PRAs compliance with the Fair Credit Reporting Act ( as amended ), Consumer Financial Protection Bureau Regulation V, and any applicable state and local laws.

Documentation or records showing that PRA notified the consumer reporting agencies about the dispute and the results of the investigation. 
The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) mandates that furnishers of information to consumer reporting agencies must conduct a reasonable investigation of disputes. To ensure the integrity of this process, I request detailed evidence and documentation of the procedures and findings related to my case.

I appreciate your prompt attention to this matter and look forward to receiving the requested information. This will help ensure that all relevant data is thoroughly reviewed and that the resolution process adheres to applicable legal standards. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX. XXXX