23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Hello there, My Boss gave me an American Express pre-paid gift card with {$250.00} for XXXX on XXXX. The cost of the card on top of that was {$6.00}.

After multiple attempts at using the card both online and In-store, after taking advice from an internet forum had thousands of comments about the same thing, the card will not register or work.

I have called the support line 3 times now and have been told to wait two days to use the card, then I was told that their team would be looking into it, now I am being told that I am not using it where Amex is accepted ( which is not true XXXX XXXX XXXXXXXXXXXX XXXX XXXX etc wont even register the card ). Then I was told I was charging TOO much to the card and I had to account for 10 % of a pre-authorized amount to be deducted.. so I tried to use only {$230.00} dollars of it.. to no avail ... PLUS in the times I have tried to use it, it has now deducted money off the card as a pre-authorization when I wasn't able to buy anything all all. Now, it is a security issue. But, they do not allow me to register my address for the card as it is un-reloadable. 
Not only is AMEX making it quite literally impossible to access the money put onto the card by my boss, which is stealing, effectively, but now charging pre-authorization amounts when it wont even go through- stealing, again. 

There are multiple threads about this exact same issue online and I believe that this could be a class-action law suit. 

They will not send me a new card, they will not refund my boss, they will not tell me how I can get the money from the card and their answers are vague and unhelpful. I would like to request they give me the gift card amount PLUS 20 % for the mere inconvenience of trying more than ten times to use this, wasting my time and energy and resulting in embarrassment multiple times when checking out of physical stores.

This is absolutely wild and I would love some help! 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian multiple times about these nine accounts not properly reporting. 

XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ONLY report CO. They do not report 30 day late or anything more than Co. per law, you can only report from first date of delinquency, not first date of collection.

Attached are photos of one account showing this and Experian claiming they updated account in XXXX  but per status shows not been updated since XXXX. 

XXXX XXXX does same thing. Reports co but not first delinquency. It also shows balance due but the past due are two different numbers. This is besides the fact I have no idea who XXXX XXXX is. Experian again reported updated report XXXX 

HOW ARE YOU VERIFYING? I asked multiple times. I have that right to see HOW youre verifying. XXXX XXXX is NOT my account. Besides that inaccurate reporting. 
Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. To determine when an account will be removed by the CRAs ( XXXX, XXXX, and Experian and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule.
Product: Credit card or prepaid card

On Monday, XX/XX/2023 I received a letter from PayPal saying they were denying " me '' some kind of credit card because they were not able to prove my identity. On Wednesday, XX/XX/2023, I received said credit card. 

I have not used PayPal for about 10 years and I did not apply for any such card. I called the Paypal Mastercard customer service number ( XXXX ) and was transferred to their Solution Dept. 

I explained to them how I received the first letter in warning and then received the actual credit card and how I was not the only to apply for it. I asked them to closed the credit card and the PayPal account all together. They said it was done and that I would get a letter in the mail explaining that my account has been closed. 

I asked them if they could tell me how someone could just ask for a card with my info and if they could trace it back somehow and they said they could not. I don't understand how they sent me a letter saying they could not identify " me '' and then still send out a card!! 

I was lucky it even came to my home and not to the place whoever initially applied for it!!
Product: Debt collection

I've submitted multiple letters to Experian regarding five accounts. These five accounts in particular are not all on XXXX and XXXX. In fact Experian refuses to remove accounts that they say are quote on quote verified. I asked for their method of verification none was given. A violation. I've also received stall letters and sued Experian in court. I may sue again if this matter isnt deleted. 

XXXXXXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX. XXXX {$840.00} XX/XX/XXXX XXXX. XXXX {$870.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX this account is showing a late payment. XXXX is not reporting any late payments. Please have them prove the late payment by showing a copy of their bank statement. That would show exaclty when the payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with  XXXX . They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation w ithin 30 days  or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All   XXXX   did was send me a response saying the accounts were n't reporting which they are.         XXXX   - A medical bill with an account number listed of  XXXX  and {$490.00} balance, A medical bill of {$81.00} with an account number listed of  XXXX , A medical bill with an account number listed of  XXXX  for {$57.00}, A medical bill with account number of  XXXX  for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also  XXXX   XXXX .     I also filed disputes with   XXXX   and TransUnion they have not responded to my request for proof of investigation which was over  52 days  ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with  XXXX . I am following up with this complaint in hopes that they really do an investigation this time.       XXXX   -   XXXX   XXXX   XXXX   and  XXXX   XXXX  TransUnion -   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX ,   XXXX   I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in  30 days. Tha nks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did apply with XXXX XXXX XXXX XXXX  ( XXXX XXXX ). I received a letter in the mail to state " We are unable to approve this application at this time, because information provided by credit-reporting agency has indicated the applicant is deceased. '' It further stated, " If this information is incorrect, we encourage you to contact the credit-reporting agency listed below. '' XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX I've attempted the toll-free number to contact the credit-reporting agency to report the information is false and I am, in fact, alive. However, my calls are unanswered and I've not received a call back. 

I believe this is a scam company and do not trust them. I hope they do not have access to my personal, consumer information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some inaccurate, inconsistent information. I reached out to all three major credit bureaus and asked them to provide debt validation used to validate accuracy. XXXX investigated and noticed the inaccuracies and remove the account experience and XXXX has yet to Remove the account. Under the federal credit reporting act all credit bureau must be reported the same Information. If one bureau finds an account to be in accurate, incomplete or unverifiable they are to share that information with the other major credit. Bureau provided XXXX and XXXX a copy of the deletion results and they still have not removed the account below are the accounts in question and I have attached a copy of the report. 

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

In accordance with the Fair Debt Collection Practices Act, the consumer reporting agency failed to provide accuracy and fairness of credit reporting as per 15 USC 1681 ( a ) ( 4 ) when the consumer reporting agency failed to protect the consumer 's ( XXXX XXXX ) right to privacy by reporting experiences between the consumer ( XXXX XXXX ) and the person making the report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ) as per 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). It should also be noted that in accordance with Family Educational Rights and Privacy Act ( FERPA ), the consumer reporting agency has illegally reported information pertaining to secondary and post-secondary schooling as per 20 USC 1232g ( b ). The consumer reporting agency also reported derogatory marks on the consumer report which is in direct violation of 15 USC 1681c ( a ) ( 5 ).
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, BitFlyer approved a transfer of my funds ( XXXX USD and XXXX ETH ) to an entity that was known to be a scam site and not a valid bank as expected. 

XX/XX/year>, BitFlyer approved a transfer of my funds ( XXXX USD and XXXX ETH ) to the same entity that was known to be a scam site and not a valid bank as expected. 

XX/XX/year>, BitFlyer approved a transfer of my funds ( XXXX USD and XXXX ETH ) to the same entity that was known to be a scam site and not a valid bank as expected.
Product: Debt collection

Centralized Business Solutions Company at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX has been reporting collections to all 3 credit bureaus in the amount of {$2500.00}. I have sent them a debt validation letter by certified mail that they received 30 days ago on XX/XX/2021 which they have not responded to, to validate the debt. They still continue to report the debt to all 3 credit bureaus. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

My bank never contacted me about anything happening with my bank account. I filed that my bank information and cards were lost and they done even have verification of that. There was someone who deposited checks into my account with first citizens bank and withdrawn from it and now they are saying I have to pay back all that money when I wasnt the one who deposited any checks or anything into my account and I feel I should pay for something I didnt do. My name is XXXX XXXX and I'm with first citizens bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address provided below do not belong to me and was use fraudulently to obtain goods and services. I am disputing this address and would like it to be removed from my Experian, XXXX and XXXX credit report : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, MD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries should not be on my consumer reports. 

Equifax & XXXX XXXX Bank need to be removed. 

XXXX XXXX XXXX XXXX XXXX need to be removed.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute the inconsistency and incorrect information shown on my credit report as it is hurting my way of life. 15 U.S.C. 1681 They are showing accounts open and altering dates to stay on my report longer. Accounts that have been closed have been purchased by a debt collection agency which i have no contract or agreement with is trying to report that i own them when i do not. The accounts were closed and charged off. I should have received a schedule c 1099 to write as income but they have failed to provide and continue to harass and contact me without my consent. Company name is XXXX XXXX XXXX. I have no agreements or products with this company. They also show as original creditor when they are not they purchased the debt. This is a violation of my rights and needs to be deleted or they should face legal action and fines for falsifying information on my credit report. 
Section 623 ( a ) ( 1 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX Balance : {$110.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX XXXX Bankruptcy Federal XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCHASE Reporting continued late payments on vehicle lease account XXXX. 

Ive had several cases open over the past year and each time Im told issue is a mistake and resolved only to have late payments reappear and harm my credit.
Product: Credit reporting or other personal consumer reports

Hi. The inquiries that include XXXX XXXX XXXX and XXXX XXXX are unrecognized hard inquiries that dated back months ago in which I have not seen until now. I am unsure as to who is using my identity to acquire credit information or loans, however these are not inquiries that I have made. XXXX has inaccurately reported false information in regards to my credit report and has requested for sensitive information that had put my information severely at risk and so I request that this solution be resolved urgently as this has been ongoing for months and that my credit report must accurately reflect my real credit activity. Thank you.
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. 


Account name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

repeatedly calling me at XXXX XXXX regardless of me telling them to stop calling this early. Im not ignoring their calls during other times of the day. tTey never call during the day.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

in XX/XX/XXXX I cancelled my XXXX XXXX subscription because their products never worked, they refused to allow me out of the contract without making me pay the earlier termination fee. I paid my final bill and the early termination fee. i returned all the devices they had sent to me. They mistakenly kept my account active even after i paid my " final bill '' ( their words to me as i made the payment ) and told me that the account remained active after all because we used the " hopper '' receiver to re-order service. So they wound up sending another bill for another months service, i called them and raised XXXX and told them I've already paid and asked why did I pay a cancellation fee if they hadn't canceled it? they agreed that they shouldn't have kept he account active and confirmed they would reverse the charges. I never heard back from them or received another bill after this was all finally resolved this XXXX ... Now all of a sudden in XX/XX/XXXX i see they have sent me to a collection agency and are damaging my credit rating.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Owned home since 2020 my mortgage was sold to current mortgage company and my payment went up XXXX. Tried to talk with mortgage about the increase in payment I was told my taxes increase and home owners increased and my flood insurance increased. Talk to my home owners about the increase it has not increase talk to the flood insurance company about the increase it has not increase looked at my taxes they have not increased. My escrow went from XXXX a month to XXXX a month Carrington mortgage has not provided any information or have I agreed to and increased escrow. Carrington has not made any effort to explain why the increase and it impossible to get a direct answer. I would like to make formal complaint about Carrington Mortgage
Product: Money transfer, virtual currency, or money service

Hello, I didnt even have my account open at Coinbase.com for a couple months when I received a call from Coinbases XXXX XXXX XXXX XXXX number, ( since I had added their number to my contacts the day I opened the account ). It was a recording stating something about my account having been compromised, that was on Sunday XX/XX/2021. Since coinbase can not be reached via phone on XX/XX/2021 on their site I inquired about that call since I still had access to my account and could see the crypto currencies that I had purchased still in there. On XX/XX/2021 at XXXX my time ( US ET ) I received an email from XXXX stating : Thanks for contacting us. We understand you were victim of a fake support scam. Please report this to law enforcement agencies in your country. On the email I was asked to answer 4 sets of questions which I did and replied to them. Ever since, I have contacted numerous times with no real answer. Always an automated message to my inquiry for status through the support section of their site saying a specialist would contact me in 4-5 business days, on several occasions and that never occurred. Its been 10 weeks now! Since my account was locked/disabled. I just want to know whats going on. If Coinbase.com allowed my information to be compromised, I need to know but the complete lack of any significant communication is frustrating and frankly I have never had any bad experience with any company where I get to the point where I have to file a formal complaint against them with the CFPB. With no personally indentifying information of my being provided, I have to include my case # XXXX so that my issue can be found, looked up and hopefully, finally addressed. 

Thank you for helping me rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " one '' not " three ''! I only gave permission for 'one ' credit inquiry. Please delete three from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, VA XXXX b ) XXXX / XXXX XXXX XXXX XXXX XXXX, SD XXXX c ) XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of a data breach that exposed my personal information, making it vulnerable to unauthorized access. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following entries. 
Accounts : XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXXy - XXXX XXXX : XXXX - Date Filed : XX/XX/XXXX - Amount : {$0.00} Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX