23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I bought a {$500.00} Vanilla card at a XXXX XXXX in XXXX Iowa on XXXX XX/XX/2023. I tried to use it at a XXXXXXXX XXXX to buy a phone and it was declined. It was flagged as suspicious and I could no longer use it anywhere. I decided not to worry about it until I got back home to XXXX XXXX. 
I am a US citizen but currently reside in XXXX XXXX. 

In XX/XX/2023, I called Vanilla about un-suspending my card and was told that they could only re-issue me a new one and that would take a couple of weeks. I got the new card on XX/XX/XXXX and I called the number to get it activated. 

I was never able to log on to my account to see if the money was there. I tried to use it on XXXX on XXXX the XXXX and it was declined. 

I called Vanilla on XX/XX/XXXX to see if the card was working yet. 
They told me that the card had been re-issued on XXXX XXXX but that very same day all the money had been spent at an XXXX online store. 

I did not make this transaction. 
I told them that that wasn't me and they helped me to fill in a dispute form over the phone and issued me a case number. 

They sent me the form to sign but my name and address were both spelled wrong. They said they couldn't fix it. I told them I couldn't sign it if the name was incorrect. I finally talked them into fixing my name but they refuse to fix the mailing address, although the email address was correct. 

I finally signed it and just recently, XX/XX/XXXX, I was told that the dispute was denied but given no reason. 

This was obviously some sort of scam, possibly by the employees of the vanilla company. I do not understand why : a ) the dispute was denied or b ) why the process was so difficult. 

Please help me to figure out what has happened and to recover the {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed by this timeshare company. I went on vacation and was solicited by a resort promoter. I declined all their offers and did not sign up. I did not purchase anything from them but they used my booking information to execute transactions. I have disputed it directly but the original salesperson doesn't work there anymore, and no one is helping me. I have never used this account, I never wanted it, nor did I sign up for it. This company fraudulently used my personal info they have on file to open an account under my name without my permission. They have been billing me and I've made payments because I do not want to mess up my credit & because I was threatened they'll destroy my credit & foreclose on me. I was defrauded and this company should be investigated for scamming people. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to Experian and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Debt collection

To whom it may cocern went to threw XXXX XXXX XXXX to purchase a living room set it was 2 pieces fianced at {$160.00} a month for a 1yr the company name as follows.XXXX XXXX. this company charged me XXXX for my first payment to my debit card. Price {$160.00} cent the company was contacted by myself the fianc instatatution charged me a total ov {$990.00} on contract for 2 pieces ov used furniture I was told to first down payment ov {$27.00} for the furniture to be delivered I paid as agreed {$27.00} the first payment was exactly {$160.00} the fianc company was informed me the 1st payment was {$160.00} the company took a total ov {$320.00} on the first payment the company explained the amount went to another buyers contract this company blocked me from all cummcations to them I was very irriatated about being charged for someone elses contract I explained to the company XXXX XXXX XXXX  I needed a refund for the full amount ov {$320.00} because the company breached the contract explained that XXXX XXXX took the the funds to pay anothers contract holders agreement.Now this was removed from my Credit Beuarus back in XXXX dew to the company not being able to provide documents to verify my personal info dew to this error another 4 party colllection agency has put this on my 3 credit files XXXX XXXX also XXXX I would like for this to be verified by Name SSN or identification DL that this account actually belongs to me if the collection agency or the credit 3major Credit Beuarus cant verfiy with anything butt my date ov birth I would like a full restoration to my 3 credit beraues as far my credit file and score to be updated correctly I would like to challenge this issue with this 4 party collection agency because ov past errors ov this being sold to another collection agency when it already has been removed because this collection agency has no accurate info iv called this collection agency to give me detailed info to me the suppose to be account holder the FCRA explains in XXXX XXXX XXXX that explains that collection on any dollar amount over {$100.00} 0 and over needs to have been court ordered on the civil process the FRCA explains that any and every amount over a {$1000.00} needs to be heard by a Civil COURT if the collection can not provide written documentation from the county the action was addressed in.It can be removed to the fair credit act act since XX/XX/XXXX I would like this updated and inaccurtess removed and also challenged also the XXXX XXXX XXXX  charged me {$260.00} the company refused to return the products it has fell apart and at the dump site no way ov returning the company tryed to scam me out ov {$260.00} to return the product told the customer service team I didnt have no money to pay this company to return the product and the company refused to return it to the location deliverd from Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX, XXXX, N/A, N/A, N/A, N/A, N/A, N/A, N/A, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Original Creditor : XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Didn't recieve enough information to verify debt : In XXXX, XXXX, XXXX and XXXX of 2019 I requested XXXX XXXX XXXX to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several dispute letters to Experian credit bureau asking for the late payments to be verified thats reporting on XXXX XXXX XXXX and XXXX accounts. Each time the bureau says that the creditors verified that the information is indeed accurate. Again, I sent a recent dispute to Experian asking to be mailed the correspondence from the creditors. I asked for the name of the person who verified the late payments, the persons title, the persons contact information, and the method in which the creditors verified. I have attached the letter that I received from the bureau in response to my asking of the method of verification. Experian states on the back of the letter that they will not reinvestigate the account unless I send in new information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX XXXX Acct # : XXXX Balance : XXXX XXXX. XXXX XXXX XXXX Acct # : XXXX Balance : XXXX XXXX. Dept Of Ed Acct # : XXXX Balance : XXXX 15 USC 1681 section 604 states rights to consumers privacy Reporting agencies can NOT furnish an account WITHOUT MY WRITTEN CONSENT!
Product: Bank account or service

Opened a bank account with Bank of America via an online public offer of {$200.00} bonus for depositing {$1000.00} of new funds into the account within 60 days. I opened the account online through the public link, and met the deposit requirements within a week of the account opening. I 've now only received {$100.00} of the advertised {$200.00} bonus. BofA is now citing me other terms and conditions not present at the time of the application, as well as alleged emails requiring customers to pick their preferred offer and associated terms. These emails were never received. The offer is publicly available to online applicants ; which I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. 
XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. Experian has not responded. I am attaching ( 4 ) XXXX provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or Experian, perhaps all are working in concert to deliberately suppress my credit score by reporting false information.
Product: Debt collection

XXXX XXXX / XXXX keep harassing me about an unreturned cable modem box, even though I have submitted documentary evidence ( XXXX Receipt ) that I did return the cable modem box. 

They have filed collections notices with the three credit bureaus even though I submitted them the proof. 

Now today ( XX/XX/2019 ), I get a call from another Collections Agency IC System Inc.

regarding this issue. 

I
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sick and tired of Equifax, XXXX and XXXX violating my consumer rights over and over again. They are lying me stating they have done an investigation to verify the accuracy of these late payment when in fact I KNOW they are lying. I have been in dispute with getting the following late payments REMOVED and updated on my consumer report. Late Payments removed from : XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX and XXXX XXXXl # XXXX They have violated so many of my consumer rights but here are a few : 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to : 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

I have tirelessly disputed the 2 collections on my credit report and request validation of said debt and have not been answered. My identity was stolen by XXXX XXXX and accounts were opened fraudulently with my signature, name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/1968 SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute regarding violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), which have significantly impacted my financial well-being and emotional state. I am seeking your assistance in addressing these violations and ensuring that my legal rights are upheld. 

I have recently discovered several inaccuracies and questionable account information on my credit report, which have negatively affected my financial standing and peace of mind. The following creditors and accounts are in question : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXX I have diligently reviewed my credit report and identified multiple instances where these accounts are either inaccurately listed or not properly verified. These errors have not only affected my ability to secure favorable credit terms but have also taken a significant toll on my emotional well-being. 

To provide a personal context, let me share a distressing incident that exemplifies the repercussions of these inaccuracies. Last year, I applied for a mortgage to fulfill a lifelong dream of owning a home for my family. Despite having a stable financial history and diligently managing my obligations, the presence of these questionable accounts led to the denial of my mortgage application. This heartbreaking setback not only shattered my dream but also caused immense stress and anxiety for me and my family. 

I urge the Consumer Financial Protection Bureau to enforce the legal rights that safeguard consumers like me from unfair and inaccurate credit reporting. I implore you to intervene on my behalf and ensure that the following actions are taken : Investigate the violations of the FCRA committed by the mentioned creditors. 
Enforce the accurate reporting of my credit information in accordance with the FCRA provisions. 
Direct the creditors to remove the unverified and questionable accounts from my credit report. 
I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer rights and diligently address my concerns. Your intervention will not only rectify the financial harm I have endured but also provide a sense of justice and relief that my family and I desperately need. 

Thank you for your attention to this matter. I am eagerly awaiting your response and assistance in resolving these distressing issues. 

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

XXXX XXXX placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX
Product: Payday loan, title loan, or personal loan

My husband and I are 30 days to less than 30 days past due on a loan. However, we continue to pay our installment payment every month. They will call our cell phones, email me and when they can't get a hold of us they will call both of our jobs. 
I have advised repeatedly, that we can not be reached because of the nature of our employment ( XXXX XXXX XXXX ), nor can we receive personal calls at work. I have advised through verbal and written statements to stop calling our employers, yet they continue to do so. I have advised also that they may call our cell phones, email me or send letters to our address, but to cease and desist calling our jobs. It is unnecessary, especially when they have alternative ways of contact and they are still receiving a monthly payment. Although, this has happened on several occasions, the most recent occurrence was today XX/XX/19 when I answered a call from a representative ( I am off during the Summer ) and told her the date we would be in to pay it this month. My husband about two hours later calls me on his lunch break to inform me that they left a message with the charge nurse to call.  We are aware of our past due status and have advised them until we can make a double payment we will continue to make one payment every month. They have offered to do a deferment. but we have declined due to extending the loan and adding more interest. We are trying to pay this off. Bottom line, I have advised this to several representatives verbally and also in written form so it is not as if we are not aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX Account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to formally dispute an account that has been reported on my credit report, which I believe is a result of identity theft. 

As a victim of identity theft, I am requesting that you conduct a thorough investigation of this account in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B, which provides protections for identity theft victims. Under this law, I have the right to request that you block any fraudulent information from my credit report upon receiving appropriate documentation. Furthermore, under 605 ( e ) of the FCRA, you are required to delete any information that results from identity theft immediately upon verification of my claim. 

Additionally, I request that you provide me with a copy of the purchase agreement or any relevant documentation that substantiates the validity of this account. If you are unable to provide this documentation within 30 days, I kindly ask that you cease and desist all reporting activities related to this account and delete it from my credit report as mandated by law. 

Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX Called the companies on my credit reports, all said the same thing no record of me and have no knowledge! Contacted XXXX and equivalence to no avail! Sent in paperwork that they are saying they never got! Sent XXXX the same paperwork and my inquiries are gone the ones that are not mine!
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an account without my written instructions.

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 any purpose.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report with the intentions of trying to improve my credit and take care of my applications and noticed if you accounts that I want it explanations for. Im not saying they reporting right or wrong. Im just saying that I am sure they are reporting wrong. I also read something called the fair credit reporting act which is sad by law I have the right to challenge anything I am not sure is accurate. And once I started to contact the reporting agencies to dispute some of the things that were on my credit report it seem as if they updated their information with my information that I was giving them. 

I also thought that all three of the credit beaur were supposed to be report the accurate/same information. My reports are not showing the same information In accordance with the fair credit reporting act XXXX  account XXXX for XXXX, XXXX, and Equifax 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 an account without my written instructions.

15 U.S.C 1681i ( a ) it states if you can not provide proof accounts must be deleted.

15 U.S.C 1681s-2 ( F ) ( ii ) it states that if the credit obligation or account was delinquent before the pandemic ( aa ) the account must maintain the delinquent status doing the period in which the pandemic is in effect. 
( iii ) it states that no changes should be made to a charged off account. 
I would appreciate it if these accounts accounts are deleted if they are not 100 % right and accurate/correct. Could you please check on these accounts and get back with me? I also saw on the credit site in XXXX where you have 30 days to complete the investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing CONTINUOUSLY since XX/XX/XXXX, to have the dismissed bankruptcy removed from my credit report. I kept getting responses that the account was accurate however, it can't be since it no longer legally exists! On XX/XX/XXXX I still continued to dispute the Bankruptcy with the bureaus however this time, they never responded! I sent another follow-up on XX/XX/XXXX regarding the same item. To this day, XX/XX/XXXX, I have yet to get a response from the bureaus of what they are doing with my account!