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

Received {$500.00} Vanilla  Gift Card. 
On XX/XX/2020 noticed ( via VanillaGift.com ) THREE XXXX transactions totalling approx. {$150.00} by someone other than myself. 
I notified Vanilla Gift card Customer Service # XXXX on same date, XX/XX/2020. I was given a Case ID # XXXX and that I would receive a " Dispute Packet '' in 24 hours. I did not receive the packet via email ( and also was not able to use the card nor have access to it online ) and so I called next day, XX/XX/2020 to request packet. Received their Dispute Packet via email and completed form and faxed XX/XX/2020 using their form. I called to confirm receipt of my fax on XX/XX/2020 andXX/XX/2020 which rep. could not confirm was told back office has up to 10 business days.

On XX/XX/2020 I called and was told that the Case ID XXXX was deleted and gave me a new one, # XXXX ( which would start the 10 day review process by their back office all over again. ) I faxed their Dispute Form again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and  called each day to confirm receipt of my fax which rep. could not confirm as back office has up to 10 business days. I called XX/XX/XXXX ( on the 10th  day from XX/XX/XXXX 2nd case # ) and was told by rep. that their back office did not receive my faxes. Gave rep all dates faxed, all my calls to follow-up and have fax confirmations of all being received. I gave rep the number that I faxed from and confirmed their fax information. To date, I have not heard nor received a response on the status of my dispute.
Product: Credit card

We have these individual who used our Business Checking Account for his personal use to pay his credit card. It tremendously affect our business operations and mess the owner 's credit score because of this fraud issue. We have filed police report for this identity and grand theft. Please see attached report.
Product: Credit reporting or other personal consumer reports

The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed various items on my Experian, XXXX, and XXXX  credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.
Product: Credit reporting or other personal consumer reports

The balance information reported on my XXXX XXXX account related to a transaction with ExperianI have identified that the balance provided by Experian is inaccurate and does not reflect the correct charges for the services rendered. 

As per the Fair Credit Billing Act ( FCBA ), I am entitled to dispute incorrect billing information. The FCBA, 15 U.S.C. 1666, ensures that if a consumer identifies an error in a statement, such as incorrect charges, the creditor must investigate and resolve the dispute. Specifically, under 15 U.S.C. 1666 ( a ), I am entitled to dispute any charge that I believe to be incorrect within 60 days of receiving the bill.

In this case, the balance associated with my american does not match the actual charges. I kindly request that you update my account to reflect the correct amount in accordance with the provisions of the law. 

Please initiate an investigation into this matter, and I would appreciate it if you could provide me with an update on the status of this dispute. If you require any further information or documentation to support my claim, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt resolution
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be block and remove from my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from PHH mortgage Co. dated XX/XX/XXXX, that my XXXX mortgage of {$520.00} has not been received. ( # 1 Document ). I contacted the bank and was told that it had been deducted from my checking account on XX/XX/XXXX. ( # 2 Document ). I later contacted the company and was told that it was applied incorrectly. 

This mortgage account has been opened since XXXX and has always been bank draft from my checking account. ( # 3 & 4 Documents ). 

I called a 2nd time on XX/XX/XXXX, approximately XXXX XXXX. and was told that the money was placed in a suspended account. 

I called a 3rd time on XX/XX/XXXX approximately XXXX XXXX  after receiving a Notice of Default letter. I was told to disregard the letter ; and for the last payment prior to getting the payoff, I was told to send a check in from my account instead of letting them do a bank draft ( # 5 Document ) I inquired if it would have any bearing on my credit report and they advised it would not. However, I received a notice from my credit monitoring stating that my score had dropped from XXXX to XXXX. 

This mortgage loan is scheduled to mature, and I sent the balance of {$22000.00} ( # 6 & 7 Documents ) on XXXX. Again, I contacted the mortgage company on XX/XX/XXXX and was told that they had received the payoff, however, I still received a letter saying the month of XXXX payment is due. 

In checking with the 3 credit bureaus, my scores have dropped from XXXX to XXXX from PHH mortgage sending a negative report about this loan. ( # 8 Document ). 

I need PHH to rectify this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX CXXXX that starts with XXXX and CXXXX XXXX that starts with XXXX
Product: Credit reporting or other personal consumer reports

Account is closed I no longer have an account with them. I was sent a release of Lien.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I disputed an account that was never mine for a closed account created XX/XX/XXXX. It shows it was never late and the original balance was {$1900.00}, the highest balance was {$1700.00} rand this is on record until XX/XX/XXXX. The credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine for an account that was never used. It was opened XX/XX/XXXX with a XXXX monthly payment with an original balance of $ XXXX shows it will be on record until XXXX XXXX credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed an account that was never mine that was opened and is now closed XX/XX/XXXX. The current balance is {$1400.00}. The credit company wrote back in XXXX hours saying they found this to be mine without actually investigating this. This is not my account and want this removed. 

XX/XX/XXXX I disputed late payments on my account owing {$2700.00}. It shows late XXXX, XXXX, XXXX and Ive never been late. The credit company wrote back in XXXX hours saying they found this to be correct without actually investigating this. This is not correct and want this removed. 

XX/XX/XXXX I disputed several names, addressees, employers, phone numbers and co applicants that aren't linked to me ever in my life and the credit company wont remove. 

XXXX hard inquires are not mine and credit company wont remove
Product: Student loan

The payments that I am being required to pay, I can not currently afford. I have been trying to get an income based payment plan set up for 1.5 years now and the company will not send me the paperwork. This is absolutely ridiculous. I want to get my loans paid off but I can not afford the large payment. I have called them over 8 times over the last year and a half. And every time they say they will send me the paperwork but I've never received it. Every time they place my on forebearance and collect more interest. I have asked if I can fill it out online and they have told me no. I finally logged on and found the paperwork. So they intentionally lied about that just so that I would be accumulating more interest. I just think this is absolutely absurd and thought it should be reported. This is happening to borrowers all over and should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB today about illegal activities that Equifax is engaging in concerning my credit report. They have a XXXX XXXX posting on my credit report under the account # XXXX in which I will attach the documentation concerning this dispute. It has taken them well over 30 days to respond to me in which I sent a dispute XX/XX/2022 and they are just getting back to me now XX/XX/2022. That is well over 60 days and they responded with a stall tactic they told me that they need identification verification when I sent my driver license and social security card so that response that they generated is invalid. This company fails to do their job so I have to escalate this issue to the CFPB. Not only do they send me that they require my driver license, and SSN card that I already provided them countless times as this dispute as been going on well over a year. I requested investigative procedures concerning this XXXX XXXX account under # XXXX and they fail to provide that and furnish consumer information which is against their policy and my request as the Original Creditor. They are saying under 605 ( C ) of FCRA law that this account is mine and they are going to do another reinvestigation but where is the proof under 605 ( C ) that I was the one that obtained goods and services for this account. I have not been provided any proof that of this in which Equifax is taking sides with XXXXXXXX XXXX instead of doing their thorough job and investigation which is the reason why they are in a probe in the first place for furnishing incorrect credit reports and wrong information. Not only this I disputed an inquiry on my Equifax credit report a XXXX inquiry dated XX/XX/2022 and it was the result of identity theft and fraud in which I did not apply for this account or have any business with this lender/bank. The day after I submitted the dispute EQUIFAX told me that they completed this investigation within 1 DAY and that it was verified as accurate which is completely incorrect and falsified information. How is this fraudulent inquiry verified not only that how did they come to the conclusion within one day and it is under my understanding that any fraudulent activity that is on my credit report must be REMOVED upon notice to the credit bureau unless they can provide information that it is VERIFIED Which they did not allow me.
Product: Debt collection

I was a patient of XXXX XXXX XXXX for several years and received care on a monthly basis. We had a disagreement about the medications I wanted and they terminated me as a patient. Over the years, each month they would bill XXXX and my medical insurance and receive payment for their services. When they terminated me, somehow they decided to bill me direct. They should have billed XXXX and my medical insurance and they would have received payment. I sent them a letter informing them to bill XXXX and my medical insurance and gave them the appropriate information for this ( see attached ). 
I should n't have to pay them for a mistake they made!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was 3 disputes I have tried to get opened back up with Experian. Under FCRA and experian guidelines, new information in grounds for re-investigation. Well, that is exactly what I have done, 3 times now. I have submitted new information, that pertains to a dispute, that I have never introduced. The attached information will be available as well. The first is 2 XXXX XXXX XXXX XXXX Accounts that includes the statements of the serveral months that shows as late on my credit report. These statments prove I was never late and it was a common reporting error by the bureau. Secondly a letter directly from XXXX XXXX from a CFPB case that entails the inaccurate information will be deleted and Experian has yet to accept that information as grounds for re-investigation. This continued violation of my FCRA rights has costed me money, time, and most importantly fair access to credit and lending due to the negligence Experian continues to show.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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

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

I PULLED MY EXPERIAN 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 Account XXXX XXXXXXXX, 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: Checking or savings account

Navy Federal Credit Union would not update my balance and cause to go into the negative and I had overdraft protection as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand 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
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent cfpb lawsuit highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.They informed me cfpbs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

In XX/XX/2019 I received an e-mail from Walmart with a link to apply for a XXXX XXXX job. XXXX XXXX XXXX XXXX and looking to make some extra money to contribute in the household with the expenses, my husband 's paycheck beeing our only source of income, I followed the link and applied naively. Days later I received a text message to tell me that I have been selected. I received an envelope via mail USPS, with a check of {$2500.00} and a letter with instructions. So I went to the bank, deposited the check on my account and 2 days later when the check became available I went as instructed to the bank, withdrew the money and headed to Walmart to make my survey. As part of the job I had to buy 4 Money Orders for {$500.00} each at the store 's Moneygram so did I and sent them blank with all the receipts to the address provided. The next day my account was overdrawn. Realizing that I was victim of a fraud I went to XXXX website first to track the package. It has been delivered early in the morning. Next I went to Moneygram 's website to report the fraud and asked them not to give the money to anyone. Then I went to the Walmart store where an associate informed me that there is a Walmart scam running an confirmed me of the fraud. I went to the Moneygram 's booth where I talked to the same associate who served me when I bought the Money Orders. She gave me a phone number that I called they told me that they had put a stop on the Money Orders, the money was still in their possession I had to allow them 3-7 days to process the case and send me a refund. I had to pay {$45.00} per Money Order. 2 days later I kept checking my case online and calling the phone number provided by the cashier they kept telling me that they still had the money and that I should receive the refund soon. The 3rd days I received an e-mail from Moneygram asking me for more informations. The pictures of the Money Orders and receipts and my personal informations. Later I received another e-mail telling me that my case is closes because someone took the money and that there is no refund possible.
Product: Credit card

I ordered a Capital One Walmart Credit Card. I got it in the mail and never even activated it. About a month later or less I got a bill in the mail saying I owed {$1100.00}. I was confused so I called capital One. They told me that it was for purchases online for Walmart. I told them I had not used my walmart card online or used it at all. I had not even activated it yet so that can not be possible.

I went online to my Walmart account. I checked to what was going on. I find that they had linked my new credit card to my online account that I use often to order groceries. 
I'm a single mother and I raise XXXX boys by myself. I have a XXXX XXXX XXXX XXXX XXXX XXXX. The father doesn't help with money at all. I get government help with food for my kids. They give me a EBT ( electronic benefits transfer card ). I use that to order my food online with Walmart. My EBT card was set as default payment card. So when I order food it usually charges that card automatically. So I ordered food as usual not knowing Walmart without my consent changed my default card from my EBT card to their Walmart Capital One card and set it as the default card on my account. So when I ordered groceries it was charging the Walmart credit card. 
I called them and told them and they said they couldn't take it off their card and put it on my EBT card. I told them that I didn't authorize or even know they had done this. 
I believe this is illegal from what I researched online they have violated several laws. 
Now my credit has been ruined because I refuse to pay a debt that I never authorized or even knew was happening. I got that credit card strictly for emergencies and to help build my credit even more. 
I wish I never got the card now. It did the exact opposite and destroyed my credit in a matter of months when it took me over 2 years to get it up to XXXX. Im so mad about this. Not only that they were not willing to help me at all. They could of taken the payment off of the credit card and charged my EBT card like I had set it up to do until they changed it without my permission.

I feel they did this on purpose to be able to get money out of me for late charges and interest. Im already struggling as it is raising XXXX boys by myself and they took advantage of a poor mother and ruined my credit score and have caused me a lot of stress and financial damage and hardship. They should be held accountable for what they have done.
Product: Consumer Loan

I got a car loan with Santander on XX/XX/2016 and my first bill had come in two days before it was due! The other options for me to paying so it was n't late was by phone or the site itself, the catch is that they 'd charge you a XXXX dollar fee just to get it paid. Second month comes around and I receive no bill and the due date is coming up on XX/XX/XXXX. XX/XX/XXXX comes around and I receive a bill that had stated that it was sent out 16 days ago " hence that 's longer then two weeks '' XX/XX/XXXX. My second payment was in a form of a check sent out on that day " XX/XX/XXXX ''. It is now XX/XX/XXXX and my bill has not been paid!!! Calling costumer service that 's listed on the back of the statement is telling me there 's a XXXX party that 's involved with the statements and when i ask for there information so i can fix the problems the supervisor ( XXXX, badge # XXXX ) tells me she ca n't " disclose '' that information!!!! 
I have bank accounts with many other providers that have n't even given me the smallest of problems. All I want to do is pay my bill on time every month with out any problems. 

Any help you can give me would be grateful my email is XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ACCOUNTS WITH XXXX XXXX XXXX, FOR THE AMOUNTS OF ( XXXX ) and ( XXXX ) with XXXX  on two occasions, with no positive results.ON THE OTHER HAND HAVE GOTTEN THESE SAME ACCOUNTS, DELETED WITH XXXX  AND XXXX.