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

My mother purchased a Vanilla Gift card for {$50.00} from a XXXXXXXX XXXX XXXX on XX/XX/XXXX. One year later, I went to activate the card so that I could use it, it said the funds have been used on XX/XX/XXXX, exactly 5 months later to the date of purchase. This seemed impossible because I could barely get the card out of the cardboard. I also have no idea what this company is XXXX XXXX - XXXX, where the funds were used. 

I have called Vanilla gift card five times. The first time, the representative acted like he didn't want to be bothered to send me the claim form and I believe he purposely entered my information incorrectly. Once I had that information corrected, I was told they would send me the claim form in 10 days. Approximately 12 days later, they said they would send the claim form in 3 days. That was on XX/XX/XXXX. Today, XX/XX/XXXX, I called them and they said it will be another 5 days. When I asked who the email will come from, they said " income dispute '' email address XXXX. How can this even be a real email. I have read countless stories online of people being the victims of fraud from XXXX and can never have their issue resolved. They need to be shutdown. They are part of a bank and I would not be surprised if it is the employees themselves illegally redeeming the cards and scamming people. 

I have read countless stories from other users of XXXX XXXX services and news reports of exactly my same experience, yet this company is allowed to continue to operate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reported on My Credit Report Dear Sir/Madam, I am writing to formally dispute the charge-off reported by [ Creditor 's Name ] ( Account Number : [ Account Number ] ) on my credit report issued by your agency. I believe this information is inaccurate and is being reported in violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit information must be accurate, verifiable, and up-to-date. 
Disputed Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Disputed Entry : Inquiry Reason for Dispute : I dispute the accuracy of the charge-off and inquiries listed on my credit report. The account in question was [ state the nature of the error, e.g., " paid in full, '' " settled for less than the full amount, '' " closed without a charge-off, '' etc. ]. I believe this account is being inaccurately reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609, I request that you conduct a thorough investigation into this matter and provide me with the results of your findings. If the charge-off can not be verified or is found to be inaccurate, I ask that you immediately remove this entry from my credit report, as it is negatively impacting my creditworthiness. 
Requested Action : 1. Investigate the charge-off entry with the original creditor ( or furnish the relevant documentation supporting the charge-off ). 
2. If the charge-off can not be verified or is found to be inaccurate, remove this entry from my credit report. 
3. Provide written confirmation of the investigation 's outcome, including any updates to my credit report. 
Please send me a copy of my updated credit report after the dispute has been resolved. I have enclosed a copy of my identification and proof of address for verification purposes. 
I expect this issue to be resolved within the 30-day period mandated by the FCRA. If you require any additional information or documentation, please let me know at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Credit fraud ] To whom it may concern, Hello, I am writing this letter to get your advice about my situation. 

Several days ago, I got a credit report which dropped quite suddenly ( 35pt ). 

It was due to " Syncb/ Paypal '' which I don't know at all. 

I rarely use Paypal and didn't allow them to do a hard inquiry. 

Moreover, I found they charged m {$2200.00}! It's obvious fraud! 

Due to Covid19, I can't reach them. 

I'd appreciate your help. 

Best, XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, and EQUIFAX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have an authorized and fraudulent inquiry listed on my Experian Credit Report. The following inquiry is fraudulent and unauthorized : XXXX Credit/XXXX. Further, I have addresses listed on my credit report that do n't belong to me. I have never lived at the following addresses and I want the addresses deleted immediately from my entire file and credit report : XXXX XXXX, MN XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TransUnion Credit Reporting Agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX. Unauthorized inquiries : XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX  XXXX via dealer on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. List of inaccurate addresses : XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

For the Jetblue Credit Card with Barclay US, they provide zero online options for resolving transaction disputes or fraud. They require the customer to write a request to a postal address. This is very inconvenient and time-consuming. What if I do not have a printer or the resources to complete that task? Why is there not an online submission option like every other credit card? They encourage their customers to have paperless billing yet insist on non-virtual, all-paper processes. 

XXXX XXXX XXXX
Product: Checking or savings account

I called to speak to a Wells Fargo associate about the dates and times about my transaction posting at first they told me that my check posted then it was pending, and then it posted itself again after I had paid my rent, paid rent and money out of the ATM before I transfer {$71.00} and change to my bank account Theyre telling me that the money was credited to my account before I had the chance to physically make the transaction which is impossible. What sense does it make to credit a transaction without even knowing that there would be a transaction in the first place? clarification on this and I eventually got a manager on the phone or somebody claiming to be the manager at the California center. She was basically trying to trick me into reverting what I was saying, but I still never received my {$71.00} and some change from this company and I clarified it with XXXX XXXX  that I had sent it over and paid for it to be sent immediately. Wells Fargo did not make it immediately available. They pinned the transaction until today which is Sunday XXXX days later than when the actual transaction was made and they snuck it from a pending status to a posted status and still did not give me a balance for my money, the manager just simply told me whatever I needed to hear to feel better about the situation in order to get off the phone instead of solving this issue for me I also would like to add that I made an instant Transfer from my XXXX XXXX to my account today and it was made available immediately so theyre choosing to do this with me based upon their own discretion
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet ExperianXXXX  refuses to update me from being listed as XXXX XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian/XXXXXXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account inquiries below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX date XX/XX/XXXX and XX/XX/XXXX XXXX  date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Product: Bank account or service

There are two issues with my account : 1 ) on XXXX XXXX I was erroneously charged an overdraft service fee tor a debit card charge. 
When I opened the account I opted out of having debit card charges overdraft account as they should be rejected. 
In the past debit card charges that exceeded my account balance were rejected in fact there was a debit card charge rejected on the XXXX so why was I erroneously charged on the XXXX? 
2 ) on XXXX XXXX I made a check deposit of {$100.00} yet on the XXXX this deposit was reversed. I have yet to receive a notice or any information as to why this check was reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted written disputes to both XXXX & Equifax on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding XXXX XXXX XXXX account # XXXX in the amount of {$2800.00}. XXXX XXXX XXXX is showing charged off with a balance of {$2800.00}. This is inaccurate. XXXX XXXX XXXX has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with XXXX regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX remove a public record from my account due to the fact that The XXXX bankruptcy court does not report any public records to any credit report agency. 

XXXX  has removed the item but XXXX and Experian has not. I've sent them I certified letters and they still have not removed the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have requested proof of ownership of an account from XXXX XXXX from Equifax. this account belongs to a XXXX XXXX and filed in her bankruptcy. however they are still reporting this account on my report with no proof. the amount is {$8800.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020
Product: Credit card

I received a credit alert from my credit monitoring service. It said that I had a new account open with Barclays Bank. I did not authorize or apply for a new card with them.
Product: Credit card or prepaid card

On XX/XX/2020 I made an online purchase at XXXX in the amount of {$960.00}. I never received the merchandise and I reached out to the merchant and Capital One. On XX/XX/2020 Capital One credited my account {$960.00} ; however, on XX/XX/2020 my card was recharged the amount of {$960.00}. On XX/XX/2020 I spoke with XXXX a representative at Capital One who stated I still had time to upload supporting documents for my case. On XX/XX/2020 XXXX, a customer service agent from XXXX stated via email on XX/XX/2020 Capital One filed a dispute and she was no longer able to further assist with my case. On XX/XX/2020 I spoke with Shen manager ID XXXX  XXXX at Capital One who stated my case was closed and they were no longer going to refund the {$960.00} for the merchandise I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove all inquiries 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.

XXXX Account # XXXX ( input accounts ), 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 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, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following inquiries ASAP. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Re : Light Stream inquiry. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. And it has been well, established any company reporting to the credit bureau is considered a consumer reporting agencies to which this company had 4days to Delete this inaccurate information and they did not. Its been well over four days and this information is still on my credit report to XXXX which is a clear violation. This company has been previously provided with an identity theft report along with photo ID and proof of address. This is the third attempt to address this plight.
Product: Debt collection

Debt was shared wirth another third party collector named True Accord. Also theres incorrect spelling of my legal name on the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Penn credit Corp. and XXXX credit bureau are falsely reporting a collection to my credit history. Account listed I have no record of and my PECO bill is paid and current and has been for many years. Furthermore Ive never authorized given or allowed pen credit Corp. to have any of my personal information including address date of birth Social Security number so on. or access my personal credit report. 

I believe that the collection account is a mistake a fraudulent account identity theft or simply belongs to someone with a similar name.
Product: Credit reporting or other personal consumer reports

I disputed XXXX. Also stated law accordance with the Fair Credit Reporting privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

A XXXX XXXX XXXX was purchased using my credit score. That was not me!

I did not purchase this car, nor do I have this car. My brother XXXX XXXX may have. 
My friend XXXX XXXX took my personal information out of my home. Perhaps that had something to do with car inquiries also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit went from. Good to poor, due to identity theft, in last 8 months. All federal Pell grant, loan, and ssdi 'missing ', and it seems like us bank would prefer I die rather than help me- just judging from their continual assassination of my supposed character.
Product: Credit card

I have a Macy 's American Express card. My payments are ALWAYS on time. For the past 5 months ( I have statements to prove ) they have sent me my bill with late fees, purchases and interest charged. This account was requested to be closed and I do not have a credit card to even make purchases. Each time I have called they give me a hard time then they say your are right we will make the adjustments. They tell my my new balance and minimum payment. I make the minimum payment and again they send me my bill with late fees, purchases and interest charged. I called a few months back and I was told that they were sending my payments to another card. When asked for that account they told me they could tell me. This is beyond ridiculous and I am frustrated and tired of getting this fraudulent bills and then I have to take time out of my day! Please help me as I want to pay this amount off and never ever use an American Express card again.
Product: Debt collection

NFCU continues to notify me on every login about prior debt which was discharged in bankruptcy ( had to declare XXXX  XXXX in 2004 due to medical bills when I was between jobs and insurance had not yet started at new job ). While it states that the notice is not an attempt to collect, the notification is just that, an attempt to bully me into repayment or be limited checking and savings only. The use this harassment tactic to target individuals who caused them a loss and refuse any future consumer credit services. All other financial institutions have cleared the debt and have worked with me on new consumer credit whenever requested. NFCU chooses to harass and berate those of us who had prior financial hardships rather than work with us. They choose to discriminate against the disadvantaged. These tactics skirt the edge of the law and absolutely break the intent of bankruptcy law. I would like to see NFCU end these aggressive tactics to discriminate against their members.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as information requested from the list of acceptable items which is only 2 are required per the law. I have provided all documentation as well as victim determination letter according to 1022.142 ( b ) ( 6 )