23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Received {$370.00} Amex prepaid e-gift card on XX/XX/year> after winning a student competition. Unfortunately it is near-impossible to spend the card both online and in-person ( tried at several dozen websites/stores in both XXXX and the XXXX ). After trying to use the card on and off for several months, found out that the card was locked on XX/XX/year>. Opened case with Amex by calling their support number. Amex said that the card was locked for fraud, and customer support agent contradicted herself multiple times when guaranteeing a response time. She said that the case would be resolved within 30 days initially, but then switched to 60 days later on in the conversation. Additionally, she provided no help when it came to understanding how the case process worked and my difficulties before with trying to spend the card. This issue has been well documented by other people who face faced significant difficulties in accessing the card, while is immoral and scummy to consumers given how difficult it is to spend the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

1. This loan was paid off in full 2. There are some missing months for reporting Missing XXXX and XXXX 3.this loan was opened in XXXX it is 8 years old 4. XXXX reported lastly in XX/XX/XXXX 5.XXXX last report was in XX/XX/XXXX 6.comments are totally different from each other
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being reported as delinquent on my community account XXXX due to no payment. As is well known by now, XXXX XXXX has been down for weeks and no access to accounts and no payments can be made, not online, not by phone and not by customer service. As of today, payments and account access are still not available to be made or accessed. Thousands have documented this on XXXX and XXXX. XXXX had originally claimed only 2 days were affected, but many, like myself have not had access going on 3 weeks. I have never missed a payment and now this has a negative remark on my credit reports and my score has gone down significantly.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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
Product: Credit reporting or other personal consumer reports

I noticed several accounts on my credit report that are currently involved in pending litigation. Since these legal matters are unresolved, their inclusion in my report is leading to an unfair reduction in my credit score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable of scammers. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

The nonprofit I manage, XXXX XXXX XXXX XXXX XXXX, provided {$100.00} Vanilla Gift prepaid Visa cards to our management team as a thank you.

One of our managers reported that the card was declined after XXXX {$20.00} use. The remaining balance of {$80.00} was missing. Vanilla Gift 's hotline continuously refers customers to their website and has a deliberate maze of automated touchtone options that create a circuitous menu with no human agent assistance readily available. After holding for nearly XXXX hour I attempted to find the information I was seeking and recover the missing funds via Vanilla Gift 's website. Their website would not provide access based on the requested information I provided from the back of the card I purchased. After following instructions on their phone system and website I am unable to : -communicate with a human being -resolve the missing fund balance -verify transactions on the card -access their website to check my balance -access their phone system to check my balance -verify the balance of the card This is a deliberate obstruction by Vanilla Gift to avoid accountability and transparency . The customer service solutions they provide are deliberately frustrating, ineffective, and difficult to navigate to Vanilla Gift can establish barriers between customers and their funds held on Vanilla Gift cards. This complaint is about VG card ending in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was closed on XXXX. This account was already removed from my XXXX report! It is still showing on my XXXX and Equifax report and affecting my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed an inaccuracy. This report is reporting as mine and has not been validated.
Product: Credit reporting or other personal consumer reports

I sent a DISPUTE LETTER to XXXX and they REFUSE to delete the HARD Inquires and accounts on my credit report. They did not properly do their investigation. Haven't sent me any forms to VERIFY that shows me they did. Asked XXXX how did they verify this accurate, who they talked to, what time, the person name they talked to, what did they say, any proof that it was me, how did they accuracy these hard inquires and accounts, to send me documentation that they actually did their job and validated these accounts. They also have a charge off on my account that is connected to a third party that i did NOT do any type of business with. Don't know that company at all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now all closed off on my account. I asked for 1099 and still haven't received any documentation. I filed with the FTC but it's not letting me upload the documentation on website.
Product: Debt collection

I have received debt collection letters from the following firms : Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Regarding a collection for debt with the following information : Creditor : Cavalry SPV I , LLC  Prior Creditor : XXXX XXXX XXXX Account No : XXXX XXXX XXXX No. : XXXX Current Balance : {$4600.00} XXXX XXXX XXXX File Number : XXXX I have sent two dispute letters to Cavalry SPV I , LLC and one dispute letter to XXXX XXXX XXXX XXXX. 

I do not have any responsibility for the debt they are trying to collect. 

Cavalry SPV I , LLC sent me a copy of a bill from XXXX with the Account Number XXXX as a verification of debt. This bill was addressed to : XXXX XXXX XXXX XXXX LA XXXX This is not my address and has never been my address. They are sending these collection attempts to the wrong person. 

In addition, I pulled my credit report from each of the three nationwide credit reporting companies XXXX XXXX and XXXX. These companies have no record of Inquiries from XXXX XXXX XXXX in my credit history. Also, these companies have no record of a XXXX XXXX XXXX   account belonging to me in my 26-year credit history. 

This debt does not belong to me but they are continuing to attempt to collect on it.
Product: Debt collection

Diversified Consultants in XXXX, Florida put supposed debt of {$150.00} on my credit score without contacting me or attempting to give me any information on the supposed debt to XXXX XXXX. XXXX XXXX never sent bills or contacted me either.
Product: Debt collection

Today in the mail we received two collection notices from the " Collections Bureau of Fort Walton Beach '' which claims we owed a debt of {$24.00} plus fees from a company I have never done business with " XXXX XXXX XXXX'. The notice looks like it is from a government agency of XXXX XXXX XXXX with the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 

The company in fact is a collection agency called XXXX? Please take a look.
Product: Credit reporting or other personal consumer reports

I can not unfreeze my credit report via equifax 's website. I receive the following msg. 
" Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX ( XXXX ) '' When I called the number ( which is tremendously cumbersome and slow phone system ( to slow consumers ... ) ), after a long wait they told me the system is " down ''. This happens many times for a lot of people. 

That's an absurd! We are in 2024 and their systems should very rarely be down with all the advanced Cloud Computing and Redundancy strategies that can be used etc. In fact, they should be under compliance requirements with XXXX ( for XXXX XXXX ) and are under a lot of other cyber and information systems management regulations to do not prevent consumers to get what they need, when they need it!
Product: Credit reporting or other personal consumer reports

I am reaching out to discuss several issues with the credit bureau, including incorrect account listings, an unfamiliar collection, unauthorized inquiries, inaccurate credit reporting, and billing errors. I would appreciate assistance in resolving these matters to protect my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Check my credit and i notice that there are Accounts that I did not give any Consent to I need information On How this was allowed to Happen I need this off my personal Credit
Product: Debt collection

I have been writing letters to this company for m ore than two years. I 've made several request for this company to several times that I be provided with a copy of the complete payment history, proof of agreement which bears the signature of the alleged debtor showing that there had been an agreement to pay the original balance, letter of sale or assignment  from the original creditor. None of these has been sent to me. Nothing has been done. They are reporting items that are unsubstantiated.
Product: Mortgage

XX/XX/2020-started our mortgage process with DR Horton XXXX XXXX - applying for a va loan ( husband is XXXX XXXX military ) -our anticipated closing date is XX/XX/2020 XX/XX/2020- refinanced one of our vehicles to help with our debt to income ratios. $ XXXX/month to $ XXXX/month. In addition pay off a small credit card balance. Done. 
-At this point things seem to run smoothly Communication between all parties have been flowing. 
XX/XX/2020- Confirming documents, asked clarification for student loan debt ( {$4600.00} ) if it will affect our mortgage approval. Our loan team said no. 
XX/XX/2020-Our closing disclosures have been signed and sent back to the loan officers we are waiting further instructions regarding closing day details. 
XX/XX/2020- Our loan officer called us saying we need to pay off the student loan listed above. 2 days prior to our closing date. At this point I think they were forcing a scar tactic on us to just walk away. However they said the VA underwriter flipped our loan from approval to conditional due to this one debt not being payed off. In the email they sent us was to create a money order for {$5.00} to pay off the student debt. Obviously this amount doesnt match the loan amount above. Due to this new requirement for us to close they insisted we bring our form of payment to the close on XX/XX/XXXX. 
Between XX/XX/XXXX-XX/XX/XXXX We were not given new closing disclosures to sign and send back. 
XX/XX/2020- I wrote the loan team back asking for new disclosures to review the closing amount. 
XX/XX/2020-Loan teams response was they couldnt send them out to us by the end of the business day. 
XX/XX/2020- Our loan was approved again. Still no new disclosures and were told to bring a check to closing to cover the debt. The loan company will write their own check to the student loan company and pay it off.XX/XX/2020-Closed on our home. We brought a cashiers check for {$4700.00} to the loan company. Given a check back for the remaining balance was not used for {$730.00}.
Product: Checking or savings account

We opened a business account with Bank of America on XX/XX/2023 and we have received checks made out to our company but the bank will not allow us to have access to our funds at least 10 days later. They are holding our checks as they see fit. Initially we were told the funds would be available the next business day or if there was a hold it would be on checks over {$5500.00}. We have had checks under {$4000.00} deposited and they are holding them for 10 business days or as they see fit as we were told by a branch manager. I asked for a copy of a signed agreement where these terms were specified but there is nothing we signed agreeing to that. Our business has been negatively impacted by this bank since we can not access our funds in a timely manner. I believe they are holding our money unjustly and doing whatever they want with their customers. They are misleading and they did not disclose any of this information at the time we opened our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Value city, never been in collection and has been paid off in full on time. This has been corrected and was fix bustier appear on my credit report. 

Ally Finance never late always on time payment. Contact consumer has been corrected but still appears on my credit report as a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a duplicate file for me, this was finally fixed in XX/XX/2021. As you can see my credit report can be accessed on XX/XX/2021, on XX/XX/2021 my credit report went back to the duplicate and saying I was a fraud victim and have an extended alert which I do not! I also disputed to Equifax that they are reported a single account, XXXX XXXX, twice! I only have one account with them. I have enclosed copies of my issues, things never get fixed.
Product: Checking or savings account

XX/XX/XXXX : I signed up for CLEARCONNECT CHECKING account under terms of {$200.00} new account bonus. Offer expired on XX/XX/XXXX. 

XX/XX/XXXX : I signed up again for CLEARCONNECT CHECKING account under the same offer after BBVA informed me via email that " We Messed Up! '' opening the prior application. BBVA confirmed back via email that my second application was processing. 

XX/XX/XXXX : BBVA sends me welcome email to my new account. 

XX/XX/XXXX : I met the final term of the offer by having my employer direct deposit my paycheck with a requisite amount within the 60 day stated time period to qualify for the offer. The other terms were met like new customer, one per household, account type, and opened online. 

XX/XX/XXXX : The offer terms state {$200.00} should have been deposited by this day which was 60 days after XX/XX/XXXX. The promised bonus deposit was not made. 

XX/XX/XXXX : I sent an online secure message asking about the missing {$200.00} bonus. 

XX/XX/XXXX : After not hearing anything from the secure message, I called customer service. After being told I do not qualify due to my state of residence and due to opening the account online despite the terms and conditions saying otherwise, a gentleman ( manager escalation ) opened a ticket to resolve the issue 'within 5 business days '. 

~XX/XX/XXXX : 'Mark ' replied to my online message saying another ticket was opened regarding the matter and that should be resolved in 24-48 hours. This reply is backdated within BBVA 's messaging system to XX/XX/XXXX. 

XX/XX/XXXX : After BBVA failed to meet both deadlines from my two open tickets, I called back customer service. The representative states I did not qualify for the offer because BBVA did not open my account until XX/XX/XXXX. I stated there was no possible way for anybody to sign up under the offer if BBVA took 2 weeks to open the applications and they used the date BBVA opened the account rather than the customer. This representative further tells me she can not assist because the group that handles this type of issue is closed for the day and I would need to call back. She claimed to be opening a ticket but no ticket number was provided. 

XX/XX/XXXX : I submitted this complaint to CFPB.
Product: Debt collection

The original transaction was with XXXX as evidenced in the enclosed documents. XXXX funded the transaction and the debt was owed to XXXX XXXX. However, upon completion of the transaction and subsequent attempts to contact XXXX, I discovered XXXX had ceased operations and had been indicted for fraud by the Federal Trade Commission. 

The debt has now passed the statute of limitations for reporting and for legal pursuit of collection in my home state of Texas. I demand removal of the record of this debt from my consumer credit report and cessation of collection activities by Monterey Collection XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$680.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX XXXX and health problems I contacted loan company about vehicle they agreed and were happy to take van back which they sold for {$1000.00} dollars more than I owed. After the sale they added a {$40.00} charge to my credit account and refuse to let me pay it they intentionally are hurting me its a crime. They continue to report a charge off every month 4 years later refusing to let them give them {$40.00}