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

Received virtual {$50.00} Vanilla Visa gift card in XX/XX/XXXX. Printed virtual gift card on XX/XX/XXXX at XXXX XXXX  and kept in a locked, safe location to use toward a vacation fund at a later date with no digital copy remaining. 

Attempted to make XXXX purchase on XX/XX/XXXX for {$37.00} and was notified on XX/XX/XXXX that the card was declined. The card has never been used and was in a locked location, so I checked the balance on their website on XX/XX/XXXX and saw an unauthorized charge of {$33.00} at XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for a company I have never heard of and merchandise I never purchased or received. 

Contacted Vanilla Gift Card by phone on XX/XX/XXXX and was informed that I would need to file a dispute via email with their company using dispute # XXXX. Filed dispute via email same day and received an automated response that dispute had been received and would take XXXX days. 

Contacted Vanilla Gift Card by phone in late XXXX for update and was informed dispute was still in process. Received check to home address in amount of {$16.00} in early XXXX. 

Contacted Vanilla Gift Card by phone on XX/XX/XXXX and was disconnected. Contacted company again same day and spoke with XXXX who stated dispute has been completed and closed and charge was found to be valid. I received no email/phone call for a follow up to the dispute or how charge could have been found to be valid. Requested all steps taken, representative 's names spoken with, and names/addresses or purchaser information that had been researched and found to be valid. Rep stated that they do not handle disputes and the only available option is to send an email where the original dispute was entered. After much back and forth, the representative put me on hold for a lengthy amount of time stating she would send an email on her end, but it would be no different that me sending an email, and then she disconnected the call without calling back. Sent an email to dispute department same day and have yet to receive any response. 

Original dispute and all emails attached for review.
Product: Debt collection

I am wrote them in response to their letter dated XX/XX/2020 as an Outside Counsel to XXXX   XXXX XXXXXXXX XXXX. 
The information they provided was not the full history, its partial information. They did not validate enough information, I asked to provide from inception. I see inaccuracies on the statement. I am not in possession of that card in several years.
Product: Bank account or service

Where to begin with USAA BANK is hard cause they have hurt so many aspects of life not only then when they criminally stole money from our accounts but now that they keep lying about there illegal regulation rules. They are soul crushers and will stop at nothing to steal money and with the services they have they use terms and conditions that are so farse to steal your money and take everything including committing severe fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone attempter to apply for a credit card in my name... .Spoke to XXXX XXXX and they put a fraud alert but it is showing as an inquiry and that will harm my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was included in a XXXX XXXX that was field on XX/XX/23. The creditor did NOT show to the meeting or the creditors and was notified of the filing by the XXXX XXXX Bankruptcy Court of Michigan. The debt was discharged on XX/XX/23 and the creditor was notified by the court and I also emailed proof that the debt was discharged. However, the creditor then reported that this debt is over a 120 days past due when it was was discharged in XXXX XXXX bankruptcy which is illegal. I am asking that this be removed due to legally they CAN NOT collect on this debt. I am trying to rebuild my credit and this caused my score to drop XXXX points when legally they should not have been allowed to report this debt because they can not college on the debt. This was discharged in bankruptcy, legally I dont owe then a dime. It is not past due because it was discharged. I have also called and emailed this company several times and received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to 3 other credit agencies, SANTANDER CONSUMER USA, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( XXXX and XXXX ) The 3 offending credit inquiries only show on XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened an Adadvantage Aviator Business card on XX/XX/2019. I received the card, but it was locked pending business verification. I sent in business verification documents, but after over 2 months, the customer service representative said that the documents had not been reviewed yet and my account was still locked. The annual fee had already been charged for a card that I could not even use. Therefore, I closed the card and was told the annual fee would be refunded. 

The following month, I received a statement showing that I owed the amount of the annual fee. I called Barclays 's customer service and was told the previous representative made a mistake and the annual fee was not waived. The new customer service representative said they would refund the fee. 

The following month, I received a statement showing that I owed the amount of the annual fee as well as a late fee. I called Barclays 's customer service and was told the previous representative made a mistake. The new customer service representative said they would refund/waive the annual fee and the late fee. 

This cycle has continued for over 3 months, and the credit card account ( which was locked immediately after I received it, and which I never was able to use ) still shows a balance from the annual fee and late fee, despite multiple customer service representatives saying they would fix it.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 XXXX XXXX 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 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: Vehicle loan or lease

Hi I am writing you this letter in regards to a collection account that appears on my credit report. The account that I am having concerns about is the American Credit Acceptance Account well first the account is reporting incorrect information as far as the balance on the account which is reporting that the balance is In the amount of {$13000.00} as of XX/XX/XXXX now the original amount of the debt was in the amount of {$6300.00} now with all of that being said back in back in XX/XX/XXXX of XX/XX/XXXX this particular item was disputed on all three of my credit report and was removed onXX/XX/XXXX. Just recently was checking the information on my credit report and I am noticing that the account with American Credit Acceptance was put back on my credit report and with an higher amount than the original amount without my knowledge.
Product: Payday loan, title loan, personal loan, or advance loan

Loan was issued against a mattress that was purchased in XX/XX/XXXX with a promotional offer of XXXX XXXX for 36 months. 

Interest was not charged for 5 months. 

Interest was charged from XX/XX/XXXX onwards until XX/XX/XXXX. A total of XXXX USD. 

I asked for these charges to be refunded. After 2-3 hours of negotiation over calls, they realized their mistake and refunded these changes. 

There is no penalty or compensation that I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from 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! 

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account : XXXX XXXX XXXX XXXX Account : DEPT OF EDXXXX XXXX
Product: Checking or savings account

UTTERLY disgusted with how Bank of America chooses to do business! There was a fraudulent charge on my account SATURDAY XX/XX/XXXX. Today is now MONDAY XX/XX/XXXX and the money was barely returned SUNDAY XX/XX/XXXX. MY MONEY has been withheld from me for 8 DAYS! This is completely unacceptable and disappointing. I 've called 10 times and everyone has been giving me the run around. I 'm going to make sure I tell all my friends and family about my awful experience with this company!
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus continue to report inaccurate information in regards to my federal student loans balance. XXXX the student loan servicer and the Department of Education the student loan lender both have a XXXX balance on my account and have verified that my Federal Student Loans are paid in full through student loan forgiveness IDR program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX. This misinformation is causing me investment and financial problems with other institutions that I'm currently trying to do business with. I would like cfpb to investigate further into this matter as XXXX continues to display inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My electric service contract was ending XXXX. I started looking for a new provider with a better reputation and price. Applied online and they said I had to pay a {$250.00} deposit for each meter. ( 2 ) I have excellent credit. 1 late payment in 20 years. ( XXXX ) XXXX XXXX says XXXX score. But I know they are XXXX to XXXX points lower than than the agency scores. I've lived in this house since XX/XX/XXXX. ALWAYS had utilities. Deposits were returned in XXXX. I've not paid a deposit since. I called that service provider and they stated that Experian says I have NO credit history. I have XXXX store cards and a bank account. I've been with my bank since the XXXX 's. Had those cards for many years. So I start trying to contact Experian. What a joke. You CAN NOT reach these people. Yet they control aspects of your life ( utilities ). I found XXXX 's of complaints about the same thing and about their " Service '' they offer. They set people up for a service, they sell, XXXX, then don't deliver and you can't cancel because they won't answer the phone or won't respond to your emails. This needs to be investigated. They are out of control. I read about a man that had a high score ( other agencies ) a mortgage, utilities, and credit cards. He applied for something thru a company and apparently they checked Experian. They told that company that he had NO CREDIT. These people are playing games with peoples lives. Since when do THEY have the right to do this. XXXX " Experian complaints ''XXXX XXXX, XXXX report, XXXX XXXX and many more.
Product: Credit card

Iam writing to formally dispute a late payment entry on my credit card TJX rewards card number XXXX account which I believe has been reported in error. 

On XX/XX/year> sent a XXXX dollars payment on line however I recently checked my credit report and notice that my payment was marked late. Upon reviewing my records, I recalled that the bank representative who assisted me with the payment neglected to provide me with receipt. At the time, I trusted that the transaction had been processed correctly. Now due to this report error, my credit score has been negatively impacted. 
I would appreciate your prompt attention to this matter, as this incorrect reporting is unfairly affecting my creditworthiness. Please let me know if you require any addtional information to facilitate this correction. 

Thank you for your time and assistance
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security NumberXXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened XXXX  XXXX XXXX  on XXXX, XXXX under the account number XXXX with a balance of {$1400.00}, a collections account opened at XXXX XXXX XXXX IN on XXXX, XXXX under the account number XXXXwith a balance of {$420.00}, a collections account opened opened at XXXX XXXX XXXX on XXXX, XXXX under the account number XXXX with a balance of {$2400.00}, and a collections account opened at XXXX XXXX XXXX on XXXX, XXXX with a balance of {$1200.00} that appears related to the aforementioned These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I have a credit card with Wells Fargo that is just for day to day spending. I have had the card since XXXX and pay a set amount with every bi-weekly paycheck so that the previous statement balance is satisfied and I do not have to pay any interest. 

For the XX/XX/XXXX statement, I was responsible for a balance of {$410.00}, due by XX/XX/XXXX. I paid {$400.00} ( + {$13.00} via rewards credit ) before XX/XX/XXXX, and another scheduled payment of {$200.00} was transferred on XX/XX/XXXX. I was unaware that the balance of {$5.00} was late by 2 days, but I was appalled to see that i had been charged interest in the amount of {$5.00}. The interest charge was more than the remaining balance on the account, so I called to complain. 

The Wells Fargo representative offered to dispute the interest charge, but told me that the policy is not to charge interest based on the previous balance or any payments during that month, but instead to charge interest based on the current balance including all new charges. To make sure I understood, I asked whether that interest calculation would therefore include a large hypothetical purchase on the day just before a payment was due. The representative confirmed that even new transactions that were only a day old would be included in the calculation of interest charges, even though they were not within the time frame where interest should be accruing. 

I would be surprised if this was a legal practice, even if the language is somewhere in the customer agreement. I am able to dispute and/or pay my modest penalty, but other people must have much harder times making any progress if they suffer from these dishonest practices. I hope that by sharing this information, progress can be made to help protect people from this type of predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Product: Credit card or prepaid card

I have a credit card with Wells fargo and most often its been great. We have had a nice banking relationship. I am a business owner, and in trying to explain the issues that XXXX has brought upon my business, they didnt agree with my timeline, and hence my account is in collections with legal. I made a payment that didnt go through as my business has functions in XXXX. Now that coronavirus has been named, all companies are being given assistance on current bills, but my issues stemmed bAck in XXXX so unfortunately, they wont extend to me the same benefits current business are getting. I was paying monthly before this, so Im just wanting to have the card reopened and be able to pay my balance as i really enjoyed my relationship with the bank. I simply was affected back when XXXX XXXX XXXX happened, and workers began to move and leave. Ive now been given funds from the SBA XXXX  get things back on track, but wasnt able to when i called. I dont want to have this on my report as non paying as my business was affected by XXXX. XXXX XXXX XXXX, in California
Product: Credit reporting, credit repair services, or other personal consumer reports

I no my rights by law XXXX is putting all types of things on my credit. I have been researching the law and requirements also. If I need to hire a company to fix my credit I will do so. I have 9 inquiries from XXXX that isnt legal. Things on my credit and derogatory remarks that shouldnt be on there
Product: Checking or savings account

I received a payment from unemployment and paypal limited my account then had me provide documents to prove I am who I am. I provided the requested documents then went back to check and it said all my documents were wrong. I get on the phone call them they say activity on my account is suspicious and then permanently blocked my account stating they want to make sure I can cover chargebacks or customer complaints ( which have the same XXXX  day limit ) I told them numerous times there is no customers that I use my account for personal to receive money from 1 person and to get government payments and money from my job deposited that's it I've never sold a single thing on that account therefore it is impossible to get a chargebacks or complaints from customers. I also looked where it shows complaints and cases against me and there is 0
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violates the customer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Trasfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX  XXXX {$5100.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 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 IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Best Regards, XXXX