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

Dispute was submitted XX/XX/XXXX. 

Here are the details of what happened. 

I received a {$500.00} Vanilla Gift Visa Prepaid card for my wedding on XX/XX/XXXX. On XX/XX/XXXX, after returning from my honeymoon, I opened the packaging which was intact and did not look tampered with and checked the balance on the website VanillaGift.com ( I've had another issue of a VanillaGift Prepaid not being activated after purchase last year, so I check the balances of all gift cards/prepaid cards now ). When I checked the balance, there were several charges to XXXX throughout XX/XX/XXXX and several reversal batch transactions that added funds back in. The total fraudulent charges totaled {$140.00} after all the batch reversals. I called VanillaGift.com at XXXX ext. XXXX and told them about the brand new card being compromised even though the packaging was intact. The woman on the line told me she could see the transactions and reversals and confirmed the card was compromised and she would be issuing me a brand new card. I asked her if the new card would be for the full {$500.00} and she said yes and that it would take up to 30 days to receive the replacement card. 

On XX/XX/XXXX, the replacement card arrived and the front of it shows {$360.00} and to activate it by going to the website or by calling ( There is no way to activate on the website either ). I called VanillaGift.com XXXX ext. XXXX and told her about my experience with the other woman on XX/XX/XXXX. She confirmed she could still see the fraudulent transactions on her end, and that I would need to file a dispute ( she told me to use this Dispute # XXXX ). She said it could take XXXX business days plus 90 days for them to complete the dispute. 

By calling on XX/XX/XXXX, I had already verbally disputed ALL the transactions. I had never used the card and had just taken it out of the packaging. The woman did not give me a dispute form on XX/XX/XXXX. Only after calling a second time about the remaining missing funds was one presented. 

I sent an email and a letter at the beginning of XX/XX/XXXX, and they finally responded. 

Today, XX/XX/XXXX, I received an email from the dispute team saying they saw no errors. The transaction list shows fraudulent activity and batch reversals that are clear there was an issue with this prepaid card.
Product: Credit card or prepaid card

I contacted Capital One because of charges on my account and was told by their representative that in order to remedy the situation I first needed to pay off the card in full, which I did. I called back and was informed that what I paid were fraudulent charges that Capital One knew about, which had caused them to issue a new account number several weeks prior. 

My issue now is that, despite being told about the fraud on my account, Capital One has not released the funds I overpaid nor the interest and other fees charged to my account. 

I'm requesting a full refund of approximately {$170.00} be paid to me in full.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for XXXX XXXX XXXX XXXX XXXX with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated [ XX/XX/XXXX ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my mortgage account [ XXXX XXXX XXXX XXXX XXXX XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. And also the lack of response to a letter that was sent to creditor the account, which was not answered. 


In my credit report I can see that in : [ XXXX / XXXX ] [ XXXX/ XXXX ] it reflects that I had late payments of ( XXXX ) days which is not true, in the same way I refer to the month of [ XXXX ] in no way I had a late payment of ( 120 ) days. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA. 

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 I SUBMITTED A IDENTITY THEFT AFFIDAVIT REPORT ALONG WITH DOCUMENTS TO BLOCK THE INFORMATION DUE TO FRAUD. TRANSUNION & XXXX REFUSE TO BLOCK IT. THEY SAID THEY WONT BLOCK IT BECAUSE THEY BELIEVE I MADE A MISTAKE. SO I RESUBMIT IT AND TOLD THEM IT WASNT NO MISTAKE AND THEY STILL REFUSE TO BLOCK IT. TRANSUNION SAID THEY DO NOT HONOR THE FTC IDENTITY THEFT AFFIDAVIT. THEY ALSO REFUSE TO BLOCK THE INQUIRIES AND REMOVE THE FRAUDULENT ADDRESSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX and XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Checking or savings account

on XX/XX/ I was scammed by a caller, he took control of my phone and moved my money around and out of several of my accounts. My husband, my daughter, and my account. while contacting NCSECU that evening they pulled up my account and said the scammer was doing the activity. My hubby had SECU on the line and I had the scammer on the line ( thinking at the time that it was ( XXXX XXXX ) He moved money from one account to another account to XXXX XXXX to XXXX to XXXX account. So all together I lost roughly XXXX XXXX XXXX did their investigation and found that it was a fraud and gave me the man 's IP address ( I told my band about it and the only thing that said was " Why didn't XXXX XXXX give you the money since they found the IP address ) I told them that XXXX XXXX stated that " the money was in my bank that is ensured and the scammer took money out and move it through cash app, XXXX XXXX and XXXX. XXXX for NCSECU did not care. This is our hard-earned money. NCSECU did tell me to try to get the cash from XXXX and XXXX. XXXX did their own investigation, which I have only been with for maybe 6 months ) and decided in my favor and XXXX was returned to my account in 2 days. NCSECU is trying to take credit for the money returned to me and I did the work for that. ( so appalling and sickening ) this has been a nightmare for me and my family, I just want my hard-earned money back, please. I feel NCSECU did not do enough to help. I have been with the credit union for 25 years and this is how a member that they say they care about is treated. Please check into this matter. I need my money back.
Product: Checking or savings account

XXXX XXXX has had a bank account with XXXX XXXX  XXXX XXXX since XX/XX/XXXX. The account was set up online and any relevant business information was confirmed with Capital One. To our knowledge, the account was in good standing and we neither received any further communication from Capital One, nor did we have any alerts or holds on the account after originally opening the account We recently received 2 wire transfers into the account totaling $ XXXX, on XX/XX/XXXX and XX/XX/XXXX respectively. There was no issue receiving the funds into the account and we did not receive any communications or notifications from Capital One signaling that there was an issue with the fund transfer or our account standing. 

On XX/XX/XXXX we added a XXXX XXXX XXXX  account in order to initiate a transfer of funds from our Capital One account. The XXXX XXXX XXXX transfer account was verified by XX/XX/XXXX and since then we have been trying to transfer those funds out of the XXXX XXXX XXXX XXXX account. 

Capital One, after having the account open for 6 months, is now telling us that our account is restricted due to insufficient information for address verification. Mind you, this is the first we've ever heard of this, and if the account had been restricted, which is their right, they should have never accepted the funds to begin with. 

We have been on the phone with them for 2 days and they are not letting us touch the funds that are rightfully ours - the funds they should have never accepted in the first place. 

In their terms and condition it clearly states that if an account is not verified properly, funds can neither enter nor leave the account, which means that, by the logic of their terms, since they accepted the funds into the account the account is verified. 

I am confused and have not received an answer from why our account was in good enough standing to accept $ XXXX, but not enough to now use those funds at our discretion. 

We have time sensitive purchases and fund transfers and Capital One is affecting our ability to do business.
Product: Credit reporting or other personal consumer reports

I'm writing this issue again. There are still accounts on my credit report that shouldn't be there even though I sent your company a claim last XX/XX/year> and made it clear which accounts were fake.
Product: Checking or savings account

My soc sec XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Nevada XXXX I am having issues with XXXX  and to get access to my acct I need first six statements of XXXX  or last six. The rest is XXXX man!
Product: Credit reporting

The credit reporting agencies have been marketing their services to me while attempting to access my free credit report each year.
Product: Debt collection

I am not aware of this account I have never opened up anything in my name and I dont know what the charges are for I have never applied for anything back in 2014 and at that time I was XXXX so I dont know why I am being charged something that is hurting my credit I am just now trying to get my life set up and I come to find out that I have been falsely charged for something that was unaware to me I was a minor in 2014 so any charges against me should be taken off.
Product: Credit reporting or other personal consumer reports

I have reached out to OneMain multiple times previously in regard to the inaccurate information they are reporting on my credit. I am a victim of ID Theft and have sent the documents I have officially filed, at their request, and still have not seen the corrections that need to be made. They are neglectful in their duty to correct their mistake since they are unable to verify with physical proof of verification of the debt they are claiming to be mine, as required under Section 611 ( a ) ( 7 ). The subjected accounts details are below : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a Countrywide Mortgage that originated in XXXX. 

Bank of America services the mortgage for XXXX XXXX XXXX XXXX XXXX ( as of XXXX ). 

On XX/XX/XXXX I received the attached response from Bank of America which was also sent to The Consumer Financial Protection Bureau responding to my complaint in case number : XXXX. 

The fifth paragraph of the letter from XXXX XXXX XXXX, Resolution XXXX, Regulatory Complaints states : " During a telephone conversation on XX/XX/XXXX, I discussed that in order to be approved for a payment deferral, your loan must be no more than 18 months past due. At the time of the call the loan was paid through the XX/XX/XXXX installment and didn't qualify as it exceeded the deferral program requirements. 

In XXXX of XXXX I made four full payments of {$4600.00} to bring the payments down to 17 months past due and in the beginning of XXXX I made an additional full payment of {$4600.00} to keep the payments at XXXX past due. 

The customer service representatives I spoke told me me that I would be approved for a deferral of the 17 months of payments that were allowed to be put into forbearance during the Covid-19 period and that they would be tacked onto the back of the mortgage as a balloon payment. 

I relied on those statements and statements of XXXX XXXX XXXX when I made the four payments. 

If a Bank of America employee from the Regulatory Complaints Department makes a statement in a letter responding to a complaint the consumer has filed with the Consumer Financial Protection Bureau and the consumer relies on that statement and then Bank of America should honor those statements. 

As of today 's date, Bank of America has has not deferred the 17 months of Covid-19 forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$27000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$190.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) {$910.00} according to the XXXX XXXX XXXX XXXX ( XXXX ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( XXXX ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
Product: Credit card or prepaid card

Fraudulent charge for {$950.00} dated XX/XX/2021 appeared on my statement. I disputed charge immediately. Barclays cancelled my card and initiated investigation. On XX/XX/2021 I received a letter stating that Barclays had judged the charge to be legitimate, providing absolutely no documentation. Two calls to bank resulted in my being told that I have to pay charge. 

They said that they had contacted the merchant and the charge was legitimate per the merchant. The bank had no proof of authorization by me and did not even know the merchant 's location. 

The charge was for 12 hours of fly fishing lessons. I never made this purchase and have never even fly fished!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to Equifax XX/XX/XXXX and a 30-day complaint XX/XX/XXXX, to this date I have received no response whatsoever in full violation of the FCRA. According to the FCRA Equifax is obligated to remove all disputed information from my credit report. The items are below : ACCOUNTS XXXX XXXX XXXX XXXX XXXX wrong status XXXX XXXX XXXX XXXX XXXX wrong status XXXX XXXX XXXX wrong status XXXX  XXXX wrong status XXXX   XXXX XXXX XXXX wrong status XXXX XXXX   XXXX XXXX XXXX wrong status INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized PUBLIC FILINGS BANKRUPTCY : DISCHARGED XXXX XXXX inaccurate
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL UNAUTHORIZED HARD INQUIRES THAT I DO NOT RECOGNIZE. I CONTACTED THE CREDIT BUREAUS TO DISPUTE THESE HARD INQUIRES AND REQUESTED THIER REMOVAL. UNFORTUNATELY, THE CREDIT BUREAUS REFUSED TO REMOVE THEM OFF MY REPORT. THIS ISSUE IS CAUSING UNDUE STRESS AND IS NEGATIVELY AFFECTING MY FINANCIAL STANDING.
Product: Debt collection

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS DISCHARGED IN A XXXX XXXX XXXX IN XXXX
Product: Debt collection

COMMONWEALTH FINANCIAL placed 2 collection accounts on my credit report. I have never received any correspondence from them in relation to this matter, nor was i give a chance to settle any debt before they attacked my credit report. I am not paying a debt that I am unaware of or even know what it is for. This violates my rights under FCRA, as I have never been asked to pay this supposed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied to XXXX XXXX for a forebearance due to covid19 situation which affected my income. 
I was assured no negative marks would be reported to my credit and that it would not affect my credit in any way. 
I was making partial payments along the way from XXXX XXXX. 
In XX/XX/XXXX I notified XXXX XXXX that I had started earning income again and wanted to start making regular payments at which time they approved a loan modification but did not reduce my 6.875 % interest rate. 
Instead, the tacked on the interest payments I was behind on and my payment went UP instead of down. 
They delayed in sending out my loan modification package for 2.5 months. I did not receive the package until XX/XX/XXXX, after several phone calls I made to remind them I was still waiting on the package. 
I signed the modification and made my first high payment in XX/XX/XXXX and have not been late since. 
In XXXX of XXXX I applied for a refinance with another lender so that I could reduce my 6.875 % rate to 4 %. To my surprise my credit report shows that I did not make any payments at all from XX/XX/XXXX through XX/XX/XXXX. I then asked XXXX to make this right and fix my credit file AND to fill out a VOM ( verification of mortgage ). I called for 3 weeks until I finally received this form ( see attached ). They reported I am delinquent and have multiple late payments. 
This has ruined my chances of getting a lower payment as I was approved for a 4 % rate subject to XXXX providing a satisfactory VOM. 
This is not what they promised and I can not afford this high rate of 6.875 %. I don't want to lose my home. 
Please help me resolve this by getting the VOM to reflect the account is in good standing and there are no late payments. 
Thank you. 
XXXX XXXX
Product: Debt collection

Debt validation request mailed company has not sent any information verifying legitimacy of debt or the right to collect it. They have put this debt into collections causing my score to drop significantly causing hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XXXX of XXXX I disputed an account with Experian that was reporting a late/missed payment on my credit report. The company reporting this is XXXX. I also called XXXX and spoke to them. They apologized and said they would fix it. The issue is that in XXXX I filed bankruptcy and XXXX was one of my creditors. The Fair Credit Reporting Act says that creditors cant report negative information after bankruptcy such as missed or late payments but they have been ever since I filed. XXXX just reported this late/missed payment in XXXX or XXXX of XXXX. 5 years after my bankruptcy was discharged. This is against the law. So when I called XXXX they said they would fix it and they did. The next month my score jumped up XXXX points and the late/missed payment was gone. But then the following month it was back and my score dropped again. I called them again and disputed it with Experian. But they came back and said it was correct and didnt fix it. I called Experian and they claim that its correct. I explained the law to them but yet they argued with me and said just because I file bankruptcy doesnt mean XXXX cant report this. Since then, Ive disputed this numerous times. Now Experian wont allow me to dispute it any longer and its still reporting negatively on my credit report. This is against the law. The FCRA plainly says they cant do this. How does a credit bureau not know this ... please help.