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

My original complaint included two pre-paid XXXX  gift cards. I filed a complaint with the CFPB, complaint number XXXX. I was contacted by US Bank prepaid services at the end of XX/XX/XXXX regarding the two pre-paid XXXX  gift cards. The first complaint was completed and they sent me a new gift card based on their review, the second gift card required further information, so I sent them the additional information via their email provided and they informed me that it would take additional steps to complete their investigation. In the meantime the CFPB closed the original complaint and now US Bank prepaid department will not respond to my phone calls or emails regarding the second pre-paid XXXX  gift card. This is in reference to the {$100.00} pre-paid gift card with card number XXXX XXXX XXXX XXXX. I sent via email the representative XXXX who was assigned to my file the pictures of the original gift card and my government issued drivers license for them to re-register the card to me as it was assigned to another name and address. I would like US Bank to finalize their investigation on the second pre-paid gift card as I believe it has fallen through the cracks on their side and I have attempted to email and call to follow up with out any response. 

My original complaint for the pre-paid gift cards can be found below. 

We received two pre-paid XXXX  debit cards for XXXX XXXX and both of them have no money on them. These prepaid XXXX  debit cards reference the XXXX Each instance is outlined below for each card we received that we suspect fraud/theft on. Card number XXXX XXXX XXXX XXXX I opened the packaging for this card on XX/XX/XXXX and went to XXXX to see the balance of the card as this was the first time I was going to use it. The card balance was a {$1.00} which seemed odd for a balance of a card never used. I then went to the balance inquiry for the month of XX/XX/XXXX and it showed the card being loaded in XXXX NC XXXX on XX/XX/XXXX for {$150.00}. My wife 's sister lives in XXXX NC so this transaction makes sense. We live in XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, OR XXXX. Then the transaction history shows a purchase of {$140.00} in XXXX XXXX CA XXXX which is a place I have never heard of or have been too. The transaction happened for a purchase at XXXX. This is clearly a scam in terms of hackers and we never received the benefit of the {$150.00} gift card. Card number XXXX XXXX XXXX XXXX I opened this card a month ago in XX/XX/XXXX and tried to use it in the store. This card was a {$100.00} prepaid XXXX XXXX XXXXd. I have tried the card several times and tried to see the card balance on XXXX as instructed by the sticker on the card. I enter the card number to log in to their website and the website won't recognize the card. The card does not work and may have never worked as i suspect the card number was stolen during the holiday season of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please remove this account, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be removed to correct my credit report. I reported my identity theft to the Federal Trade Commission, and have enclosed copies of the aforementioned report, as well as an Affidavit of Truth. Please delete these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX  will be corrected and updated.
Product: Checking or savings account

I sent a XXXX $ payment thru cash app to some one and the funds were pulled from my attached bank account which was XXXX the transaction never even showed up on my XXXX account the person recieving the funds refunded them which shows on my cash app transactions. The money has never been refunded. I have asked both cash app and XXXX for a explanation which XXXX says I never sent the XXXX $ payment that I am lying and I asked them for supervisor or email to send proof of the transaction they refused to let me speak to one and cash app says the payment failed which is not possible or the person who received the money wouldn't be able to refund the money to me. 

Also on same day different phone call I had XXXX pending refunds showing on my XXXX account for XXXX $ each I called talked to a supervisor and asked specifically how many pending refunds do i have he sai XXXX for XXXX $ each I said ok there's XXXX refunds pending for XXXX $ each totaling XXXX $ correct he said yes. Then the transactions disappeared from my account. I was also told they didn't exist and that I was lying I said these phone calls are recorded correct can u go back and listen to what the supervisor said? They said no!
Product: Credit reporting

After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, XXXX XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XX/XX/XXXX and with my XXXX settlement in XX/XX/XXXX I paid their collections. Now I was well enough to search my financial recordsXX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.
Product: Credit reporting or other personal consumer reports

I was looking to my credit reports and find out there are XXXX accounts that has nothing with me, i have never aplied for that loan and credit card. 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Georgia Departmen t of Revenue  had a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my   XXXX    or Equifax credit reports.
Product: Bank account or service

I have reason to believe and the Bank of America manager near me can prove that someone within BOA is stealing from them.
Product: Credit reporting or other personal consumer reports

This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : * XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX * XXXX XXXXXXXX XXXX account # XXXX * XXXXXXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer FICO credit report. 
Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer FICO credit report maintained by Equifax showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
Legal Support for My Request : 1. FCRA 605B : Requires credit reporting agencies to block fraudulent information within four business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report ) * Identification of the disputed information * A statement from the consumer affirming the fraud. 
2. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes. 
3. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical services from the facility or hospital.
Product: Debt collection

this account was originally a open end account lowes credit card and lowes uses GE money bank and was sold to attorney for collection dates where not verified with original credit holder and per the Alabama FCRA this is an open ended account and per statues 6.2.30 and 6.2.37, 3 years is the state of limitations my original confirmation number for this dispute with lowes ge money bank was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon joining a credit monitoring service today I noticed inquiries were made from someone other than myself attempting to apply for a product at XXXX XXXX  XXXX & Navy Federal in my name. I contacted the Federal Trade Commission & was directed to file an identity theft report about this situation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information and accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XXXX XX/XX/XXXX Case # XXXX ( Former case # XXXX I bought 4 tickets to XXXX XXXX ballet as a gift for some children. I thought I was ordering from the University of XXXX box office, but I got mixed up on my cell phone and by mistake I ordered them from XXXX XXXX XXXX XXXX, on XX/XX/XXXX ( XXXX reference number XXXX ). 
I complained about their service fee and was given a small discount of {$43.00}. 
The amount they charged me was {$460.00}. 
I thought that price seemed very high and called the XXXX XXXX XXXX box office and they said the tix should have cost {$170.00}. When I called back to cancel the order at XXXX XXXX XXXX XXXX, they absolutely refused to cancel the order. I called XXXX right away and was told that I couldnt file a claim unless XXXX XXXX XXXX XXXX didnt send me the tickets in time for the performance, to be held on XX/XX/XXXX. 
Fast forward to XX/XX/XXXX. The tickets from XXXX never did arrive and I had to purchase a new set of tickets from the XXXX XXXX XXXX box office for {$170.00}. 
All of this is detailed on my phone call to XXXX when I first made the claim. I think XXXX is an illegal sham. Please help me get my money back. Thank You! 

At this time I was informed by XXXX that it was too late to request a refund!
Product: Debt collection

I noticed a drop in my credit score and found that this company COMMONWEALTH FINANCI added ( 2 ) New Debts to my credit report reflecting as an open dates of XX/XX/XXXX ( 2 mos ) and XX/XX/XXXX ( 11 mos ). I have not resided in the State of Florida for over 3 years. I have not visited a medical facility in Florida since moving. This can not be my debt based on the " OPEN '' dates of this debt. Statute of Limitations and FCRA limits the time a debt can be collected or reported based on the " OPEN '' date of an account. This is fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the following Credit Reporting Agencies ( CRAs ) : XXXX, XXXX, TransUnion, for non-compliance with federal law, specifically the Fair Credit Reporting Act ( FCRA ), resulting in significant harm to my rights as a consumer : These agencies have failed to uphold their obligations under the FCRA by inaccurately reporting accounts, refusing to provide adequate proof of verification for disputed accounts, and perpetuating inaccuracies that harm my financial standing and restrict my ability to exercise my constitutional rights. 
________________________________________ Summary of Allegations 1. Failure to Verify Disputed Accounts I have sent detailed correspondence to the CRAs disputing inaccurate and unverifiable accounts listed on my credit report. Despite my requests, they failed to provide evidence of proper verification for these accounts, instead responding with generic statements that the accounts have been " verified. '' This is a direct violation of the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ), which mandates a reasonable reinvestigation and validation of disputed information. 
2. Negative Impact on My Constitutional Rights These inaccurate reports are adversely affecting my ability to : o Access housing due to unwarranted denials based on credit checks. 
o Obtain financing for essential purchases.

o Utilize credit as the true creditor, which is my legal and equitable right under federal law. 
The CRAs ' negligence has effectively denied me the right to fair access to credit and housing, constituting a violation of my constitutional protections. 
3. Violation of Federal Law By failing to ensure the maximum accuracy of the information reported as required under 15 U.S.C. 1681e ( b ) and failing to verify the validity of disputed accounts, the CRAs have willfully and negligently breached their obligations under the FCRA.
Product: Student loan

I have XXXX student loans from Navienet and at the time my daughter started college so I had put XXXX other parent plus loan under my name as well. My daughter graduated XXXX 2016, I was making my payments but my loan were not going down and kept calling and they were telling me they received the money and they were being applied, it was not until my daughter started to pay her loans in XXXX when they said her payment was late that I realized for 4 years they were applying payments to my daughters loan who was not out of college yet. It took me 5 people to finally get someone to understand what happened and truth be told I do n't know if it was every fixed they sent me paperwork showing where what they did but what about the interest it looks like they just put the dollar amount back on my loan. this is a different department they does the correction and you are unable to talk to these people. This may not be a lot of money but the point being I was calling them and telling them something was wrong and they did nothing about if for 4 years. 
To your answers below many apply only able to check one box - Do n't agree with fee charges, Received bad information about my loan, having problems with customer service
Product: Debt collection

I asked for verification from XXXX  about this account because it was opened from family idenity theft. In return they automatically sent my account to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three ( 3 ) derogatory items on my credit report from XXXX XXXX XXXX reported on XXXX XXXX, 2023 for the following amounts : {$120.00} {$160.00} {$120.00} These are medical debts under {$500.00} these debts Starting in 2023, medical collections tradelines less than {$500.00} should no longer be reported on consumer credit reports. I have asked the credit bureau to delete these debts from my credit report multiple times.
Product: Checking or savings account

Hello my name is XXXX XXXX again we need the online banking access to be unlocked or undisable and and XXXX access to be restored My username is XXXX and I also need you to see if you can get the verify in branch in person restrictions or any blocks or restrictions and statements removed off my account for me so I don't have to keep going to banks for help and with id and also get the security verification removed off my account or disable it so when I call in or when they transfer me to any Wells Fargo department they won't sometime ask for my phone number to send me a text code to fully pull my account up by debit card number or my account number sometime they do ask for a security code by text message and sometimes they don't or fix it so they don't ask when I call in a lot or sometimes when I call in they don't ask for it and sometime they do etc please and please also remove any past flags or new flags or current flags on the account or any statement or what is keeping giving me verified in branch on my account please so when I call in or get transferred they dont verify me in the branch or ask me for a code by text or ask me for my phone number when I give out my account number or debit card number they straight instantly help me when I already verify my self over the the automatic phone system before agent or call in and talk to the agent and give them my account number or debit card number they dont ask for my birthday or phone number or last XXXX of my ssn they just straight help me and remove the fraudulent alert on my account and remove anything other thing that keeping getting me verified in branch before help or verification by text code and keep getting my online bank access locked out or disable etc you have to call this number for the online banking lock out at XXXX and call this number for the XXXX to get my access unrestricted or restored at XXXX etc. XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus XXXX, XXXX and Experian. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XX/XX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX : 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 reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX Transunion XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have honored my agreement to pay {$10.00} a month every since I advised the actual loan company and their corporate home office of the minimum payment that I could afford to pay based on being affected with the effects of corona virus/covid 19.