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

I purchased a {$400.00} Vanilla Visa Gift card [ Card # XXXX ] from a XXXX XXXX XXXX in XXXX, Virginia for my wife, XXXX XXXX, in XX/XX/2021. She tried to use the card for the first time in late XX/XX/2021, but it was declined by the merchant. She called Vanilla Visa Gift Card Customer Care [ XXXX ] and was told that there was an issue with the card and it was no longer active. My wife filed a complaint with Vanilla Visa Credit Company, and she was assigned case number XXXX. Vanilla Visa Gift Card sent another card to my wife, but the amount on the new gift card was only {$250.00} [ Card # : XXXX ], {$150.00} less than the original amount of {$400.00}. I contacted Vanilla Visa Gift Card Customer Care multiple times by phone and was told that I would receive an e-mail about the matter. I was also told that the {$250.00} gift card would be inactivated and the matter would be resolved. 

The {$250.00} replacement card was, in fact, inactivated by Vanilla Visa Gift Card ; however, Vanilla Visa Gift CardXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX ], did send me a check for {$250.00}, but again, this amount is {$150.00} less than the original gift card purchase of {$400.00}. The company refuses to take responsibility in resolving this issue. I would like to be reimbursed the remaining {$150.00}, and for the CFBP to notify consumers, other Government agencies, and XXXX XXXX XXXX groups that have the mission of protecting consumers and ensuring their protection against fraud and high risk gift card products. 

Thank You for your time and consideration. 

XXXX XXXX XXXX XXXX, XXXX XXXX Retired XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXXXX/XX/XXXX lvnv funding llc XX/XX/XXXX lvnv funding llc XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX use code 15 usc code 1681s-2 reporting as open and is inaccurate and is a violation.please remove asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, XXXX, and Equifax credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. XXXX has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard Inquiry I never authorize. My score drop nearly 50 points. Please have it removed and restore my credit.
Product: Debt collection

I am disputing a credit report entry due to potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The debt was reported during my XXXX XXXX service. On XX/XX/XXXX, I disputed the debt and requested validation. Despite unresolved disputes, in XX/XX/XXXX, the debt was reported without notification. Follow-up requests and concerns about FCRA violations were made in XX/XX/XXXX, which were ignored. Legal violations include FCRA accuracy breach, FDCPA notification failure, XXXX XXXX rights neglect, inappropriate debt nature, and FCRA data integrity non-compliance. I request the immediate correction of this entry from my credit report due to its unjust impact on my credit rating. Prompt resolution within the FCRA 's 30-day period is essential.
Product: Debt collection

Around mid XXXX XXXX XXXX XXXX XXXX email and later a ltr. to me stating I owed a debt in the amount {$2900.00} for a credit account that was originally w/Citibank. It states this amt. was owed as of XX/XX/XXXX. I have never had an account in my lifetime w/Citibank. I disputed this account first via email, then because the company continued to contact me I sent a certified registered letter stating I officially dispute this account and indicating I have never had an account with this company and felt it could possibly be a case of identity theft. I requested XXXX  to provide a copy of the original contract with Citibank showing the original signature on the contract. The company did not provide this document, only a letter showing the account summary. I pulled & printed out my credit report and there is no place on the report showing an unpaid account or balance with Citibank or any other creditor. I did receive ltr from company titled XXXX dtd XX/XX/XXXX, stating a recent cybersecuity incident involving my personal infomation was disclosed. But I have never at anytime had an account for credit card with Citibank.
Product: Debt collection

Tempoe has not furnished any documentation pertaining to XXXX accounts they've reported on my record, dating back to XXXX and XXXX. The third-party collection agency has provided minimal details on these accounts and has ignored my attempts to seek clarification. The account information reported by Tempoe is inaccurate and is negatively affecting my reputation.
Product: Credit reporting or other personal consumer reports

Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY. 

Also, I, XXXX XXXX, never gave Transunion any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY. 

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account status incorrect : Date of Last activity incorrect which shows that the account has been reaged. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX XXXX : Account # XXXX Account status incorrect. Date of Last activity incorrect which shows that the account has been reaged. This is a violation. Account showing as a chargeoff and it also shows a balance. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX XXXX XXXX Account # XXXX Date of Last activity incorrect which shows that they keep reaging the account. This is a violation. 
Please delete this from my consumer report. 

XXXX XXXX Account # XXXX XXXX account still showing a balance. This is a violation. Date of last activity is incorrect which shows that the account has been reaged. This is a violation Please delete this from my consumer report. 

XXXXXXXX XXXX  Account # XXXX Charge off account still showing a balance. This is a violation. Showing profit and loss but I never received a 1099C. High credit limit not showing correct with all 3 bureaus. Date of last activity incorrect which shows that the account has been reaged. This is a violation. 
Please delete this from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. XXXX  CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX  is lowering my score with each credit dispute. XXXX  MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : XXXX XXXX XXXX Date of Inquiries : XX/XX/XXXX * XXXX XXXX Date of Inquiries : XX/XX/XXXX and XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/XXXX * XXXX  XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The big 3 ( equifax, XXXX, and XXXX XXXX has not performed independent investigations. I sent letters and notified ( Equifax, XXXX and XXXX ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus but still nothing from them. That means XXXX credit bureaus are NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Equifax alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Equifax including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Equifax to advise them of the results of my debt validation request. 

I believe that Equifax has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX  and your urgent assistance to survive. Thanks
Product: Money transfer, virtual currency, or money service

PayPal is holding my money on my email XXXX theres a balance of XXXX that I can not access. I been calling and trying to receive money and they been telling me I have to wait 180 days. There is no need for them to hold my money
Product: Credit card

XXXX fraudulent charges were made to my credit card - XXXX on XXXX/XXXX/16 ( {$430.00} ) and another on XXXX/XXXX/16 ( {$700.00} ) listed as " XXXX XXXX CA ''. I was never contacted by Citi 's Fraud Watch Dept., as I have been in the past with other large purchases I have made. I happened to notice the charges when I reviewed my account on XXXX/XXXX/16. I immediately called Citi and spoke to an agent, who promised me she would immediately issue credits for the fraudulent charges and open an investigation. Today ( XXXX/XXXX/16 ) I checked my account and the charges have not been removed as promised. I spoke with another agent who told me that the charges MAY be removed after the conclusion of the investigation IF the investigation rules in my favor. I am completely floored by the inconsistencies about my victimization that these XXXX agents have expressed to me. After more research, I have uncovered horror stories from Citi customers such as being charged interest on fraudulent charges, being promised calls back that are never returned, outright dishonesty, etc. I refuse to pay these charges and do not want this to affect my otherwise exemplary credit score. Before drafting a letter to the CEO of Citi Cards, I want to file this report. I am seeking the removal of XXXX charges, as well as any interest/fees incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

PERSONAL INFORMATION UPDATE LETTER XX/XX/2025 To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I submitted a dispute Experian on XX/XX/2023. 

I have recently checked my credit report and noticed that the item has not been marked as disputed so I am unsure if the company is following the federal law, because 15 USC 1692e ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

My account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the account does not belong to me and is fraudulent, police report and Federal trade commission was informed Bank of America and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere XXXX decided to close my account with them despite my prior ten years of history that I had with them. On one of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, XXXX decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of XXXX for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that XXXX was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. XXXX from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2015 I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

We sent payment buy they continued to take out on wrong date sent letter no  response , They took out in XXXX for payment  then said we are foreclosing which is now in affect, If  they would have takin payments as said we would not have this problem , I would like to start Class Action Suit .
Product: Prepaid card

I contacted Bank of America prepaid card ( Arizona unemployment ) about a problem I was having with my account. My account and identify was compromised and someone else unbeknownst to me was using my account resulting in multiple transactions and transfers I did not make. As we know this company had to end its partnership with DES Arizona due to multiple issues they were having including fraud. I submitted dispute claims- XXXX, XXXX, XXXX, XXXX, XXXX, but were all denied due reasons I dont know was XXXX told investigators concluded I authorize XXXX I knew to make theses charges ( which I didnt ). I have ample amount of evidence showing I did not make the charges/transfers, and I for one didnt even receive this card and thought my unemployment benefits werent even issued. This is a cause of fraud and identity theft which has really hurt me financially due to lack to funds during a really troubling time. Im asking for help resolving this matter, I do not believe the company that has multiple fraud issues and had to end its partnership with the state due to these issues can be trusted to investigate a claim in good faith. Furthermore I requested for information about the claim decision process and I was given none. Please if you can help me in this process of trying to get back funds that were rightfully mine which I did not use myself nor did I authorize anyone to use. This is a matter of identity fraud and poor security/business practices which resulted in funds that were rightfully mine being stolen and misused.