23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I opened Dispute Case # XXXX with Visa Vanilla. This is a fraud case, and I am getting no response from Visa Vanilla since I opened the dispute on XXXX, the same date I purchased the card. Below is what occurred. 

I paid {$150.00} cash for this card on XXXX at my local XXXX in XXXX, TX, so that I could use it to purchase things online. But when I tried to use the card online the same day, it said insufficient funds.

So I called the number listed on the back of the Visa Vanilla card, which is XXXX. That number takes you to a very rude group of people that introduce themselves as Vanilla Visa customer support. They asked me the number of the card, the XXXX digit pin, and how much was on the card. I told them, and they responded that the card will not be active until XXXX more hours. I waited XXXX hours, and began checking the available balance on vanillagift.coms website. I get the same error every time.

I tried calling the same customer service number repeatedly, and kept getting either hung up on, or immediately disconnected every time I would call back in. Frustrated, I tried navigating through the vanillagift.com website to see if there was a different customer care number. Thats when I found XXXXNOT the number thats printed on the back of the card, which is XXXX. 
The lady that I talked to told me that there was already a posted debit of {$150.00} already on this card from today, and she asked me if I placed the charge. I told her that I absolutely did not. She opened a case number. Again, I have had XXXX response from Visa Vanilla with what is clearly fraudulent. I would think they would want to correct this issue immediately.
Product: Credit card or prepaid card

XXXX Credit Card ... someone called my phone claiming to be associated with the XXXX Credit Card Service ... they called from XXXX and advised me that a charge of over {$700.00} had appeared on my card and advised me to select 1 if this was not a correct charge to the card or select 2 if there wasn't a problem ... i selected 1, was transferred to a strange person 's voice ( sounded female ) and then when i started to discuss the reason for the call, the person hung up on me ... i checked my XXXX account and it does not appear that any such charge has transpired ... no idea if this is some type of phishing or some other scam ... just seemed wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to obtain my free annual credit report from Equifax, XXXX and XXXX XXXX.
Product: Vehicle loan or lease

We had bought our vehicle in or around XXXX or XX/XX/XXXX, we refinanced it through a different bank on XX/XX/XXXX of XXXX, I have contacted GM Financial time and time and time again with no issues being resolved. This " lien release '' letter that was " sent '' XX/XX/XXXX of XXXX and had an expected delivery date of XX/XX/XXXX. I had been told this same letter was sent on two other occasions. Every time I call GM Financial, there is a different answer, and the process seems to restart every time. The new bank that we refinanced through has not received anything either. It is now XX/XX/XXXX, XXXX XXXX months after the vehicle was refinanced and we still have nothing. I am beyond frustrated and am worried I will have to obtain legal counsel at this point. I wished I had taken more screenshots to show the number of times I've called but I did not foresee this as an issue. I've included what I have. I am currently on the line now with GM Financial, this customer service representative stated " There isn't much we can do, I see the address has been verified 3 times, we will just have to resubmit the request '' I do not understand how this is legal.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

Fifth third bank in XXXX, Florida. Several times changed information on my account told me they didnt, but I know that they have cameras I came in there to change my information to my XXXX XXXX because I was getting identity theft at my current property. My mail was not being delivered but somehow during that time of changing my address, they closed my account sent me a check for the money that was in my account. I had that account for over year and they didnt give me any reason why they closed it, and when they printed out the information that I asked for they couldnt show me the behind-the-scenes information on the account like changing the address and changing the phone number because they closed my account by a phone call that didnt come from my cell phone number, so they allowed anyone to close my account. They wont reopen my account, they canceled several wires that I tried to do for no reason declined it.
Product: Payday loan, title loan, or personal loan

The checks that was sent there was no Wells Fargo around they put a XXXX  day hold on my money from the government charged me fees for using their own atm I could never get intouch with anyone they never deposited my money until they wanted to and it was over due to receive it
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I was alarmed to see an unauthorized inquiry that I do not recognize. This discrepancy appeared out of nowhere, and despite refreshing my browser, it did not go away. I am extremely frustrated and demand that my documents be carefully examined so this issue is resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Navy Federal Account # 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 a account without my written instructions 15 U.S.C 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: Debt collection

AMERICOLLECT INC put a hit on my credit report for what they call a Account status XXXX with Original creditor XXXX XXXX XXXX XXXXXX/XX/XXXX status date and date open XX/XX/XXXX and a hit on my credit report with balance date of XX/XX/XXXX of {$2600.00}. This isnt a debt that I owe. No information or anything has been provided to me or bill. I would like to have this removed from my credit report as soon as possible.
Product: Vehicle loan or lease

Santander, the servicer of a car loan I cosigned with my brother, was contacted on/around XX/XX/XXXX with a request to produce the original loan agreement for the purposes of recovering payment expenses from the primary owner and operator. Was informed that I ( who was supposed to be the cosigner at the time the loan was initiated ) was listed as the primary borrower, which draws into question the validity of this loan. Agent informed me it was sent out via mail and email. I never received the Original loan agreement. I asked them 6 more times over the course of the six months to provide the document, each time being assured that it would, and that the previous mailings had gone out. Each time I confirmed my present address and email address. As of XX/XX/XXXX my matter/account was moved to the administrative offices of Consumer Finance at Santander. Management restated that all the times I had called something had been sent via email and mail ( neither of which would fail 100 % of the time ). XX/XX/XXXX I was promised a direct email with the loan attached to it from the company email and a follow up call from the person I was speaking to in the administrative office. Neither came to fruition. Their failure to provide the requested document has caused and is causing financial harm as it is inhibiting my ability to recover funds that the loan servicer demands be paid every month. 
On XX/XX/XXXX I contacted them one last time and was told that they did not in fact have the loan documents and that nothing was ever sent out. This seems like a clear abuse of consumer rights and is unacceptable.
Product: Credit reporting or other personal consumer reports

FOLLOW UP/REINVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS.

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX  v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud,
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX  v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Chase Bank for failing to provide a complete debt validation response as requested under the Fair Debt Collection Practices Act ( FDCPA ). This is in violation of several laws, including but not limited to : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Chase Bank is obligated to provide accurate and complete verification of the debt upon request, which they have failed to do so. 

XXXX. Truth in Lending Act ( TILA ) : The TILA requires lenders to provide accurate and complete information about debts to borrowers, which Chase Bank has not complied with in this instance. 

XXXX. Consumer Financial Protection Bureau ( CFPB ) Regulations : Under CFPB regulations, debt collectors, including Chase Bank, are required to provide consumers with clear and accurate information about their debts, which has not been the case in this situation. 

I urge CPPB to investigate this matter thoroughly and take appropriate action against Chase Bank for their non-compliance with debt validation laws. Thank you for your attention to this matter.
Product: Vehicle loan or lease

I purchased this car in XX/XX/XXXX and at the time had no idea we were going to face a tremendous hardship around the country. 

Covid 19 hit and I had a late payment in XX/XX/XXXX due to reduction in hours and we had to go work from home and was at home with no work until they got us set up for work at home. 

This company is the worst to deal with and I have tried to ask for some type of care and concern due to this unexpected event in our country. 

They have horrible customer service and I have been trying to reach CEO to get assistance to no resolve.
Product: Debt collection

I believe FCRA 605B necessitates the elimination of any XXXX accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against XXXX as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies.

I chose the word dispute to validate debts on my XXXX credit report on collection accounts. XXXX inserted in the comments Consumer Disputes Reinvestigation in progress. Collection Account and Collections in the comments and as account status. I  contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted XXXX and asked them to remove the comment. I told XXXX that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with XXXX themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
Product: Student loan

I attended XXXX XXXX  XXXX XXXX XXXX XXXX. I had to repeat & pay for classes I had already passed for 2 separate trimesters, and the interest rate is astronomical. Paying an IBR doesnt even make a dent in the interest rate, let alone the principal. My loan was {$390000.00} in 2014, and is now {$560000.00}. 
Id love to pay just what is fair. I can not buy a house, and before long, my loan will be a XXXX dollars. 
Please help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelle 's handling of disputes, particularly in 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 reserving lost funds impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I was checking on current mortgage interest rates online and afterwards I received about 20 calls from this company AFTER I told them I had picked someone else and NOT to call me anymore. They used these phone number each time. 
XXXX XXXX XXXX XXXX XXXX XXXX I immediately went to donotcall.gov and registered my cellphone and verified through email link. Get these guys. Very disrespectful calling me 20 times after I told them NOT to call me anymore.Thank you for your help.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, an Agent for Principal XXXX XXXX XXXX, and Affiant ; Attorney in fact, for ANY and ALL derivatives thereof, for the surname/given name. I have been APPOINTED and ACCEPT being the executor, both public and private, for all matters proceeding, and I, hereby, claim that I will autograph for my given name, XXXX XXXX XXXX, and as the Agent and Administrator in fact. 

Congress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.Code 1681 ( b ) The Consumers right to privacy 15 U.S.Code 1681 ( a ) ( 4 ) Upon reviewing my consumer credit report, I have noticed several inaccuracies. You have a DUTY pursuant to Fair Credit Reporting Act to report ONLY accurate and fair information. In accordance with the Fair Credit Reporting Act, XXXX, has violated my rights. 

I have a right to privacy. 15 U.S.Code 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written consent and instructions. I AM DEMANDING SUCH PROOF for the following accounts : XXXX ACCOUNT # XXXX AMOUNT {$840.00} DATE XX/XX/2018 XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$1400.00} DATE XX/XX/2018 XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$6500.00} DATE XX/XX/2018 XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$430.00} DATE XX/XX/2018 The consumer credit report, pursuant to U.S.Code 15 1681 ( a ) ( 2 ) exclusions-except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to Section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payment entries identified on the consumer report are a VIOLATION OF MY RIGHTS AS A CONSUMER. 

You are in non compliance of the Fair Credit Reporting Act by reporting this inaccurate and false information. It is causing me SEVERE harm. My report should be updated to reflect MY correct and accurate information. 

Thank you for your prompt attention to this SERIOUS manner. Please feel free to contact me with any further questions. 

Sincerely, XXXX XXXX XXXX ( living man )
Product: Credit card or prepaid card

I opened a business credit card from Wells Fargo. They had promotion XXXX cash back after XXXX spending in 3 months. I finished their requirement, and called their customer service many times about XXXX cash back. They said everything ok they will pay me XXXX end of the third months billing cycle. I wait for long time to call them after the 3rd months billing cycle. They changed story, told me I have 2 cards. I did not finish requirement. They cant pay me XXXX cash back. What happened? I am business credit card I just add employees card for my accounts. And I called them many times, they said ok for the requirement. They promised me the XXXX cash back bonus. They should honor it. Not just change story doesnt pay their loyalty customer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX