23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Certainly! Here 's a rewritten version of your message : Citi has closed my credit card account, claiming that I misrepresented details in my disputes. They assert that " the merchants proved you received the services and redeemed sweepstakes money from those services. '' However, I did not misrepresent any facts in my case. 

My dispute was based on not receiving the specific XXXX benefits that were advertised, as outlined in the screenshots I provided. I included evidence of my communication with the merchants support team, which clearly showed they were unwilling to assist me. 

After reviewing the merchants response to my complaint, it is evident they did not address my actual concern. While I did receive some of the advertised services and redeemed sweepstakes winnings ( I never claimed that I did not ), I did not receive the promised XXXX benefits. Additionally, my account was subject to restrictions that prevented me from fully utilizing their services. 

Upon speaking with others in similar situations, Ive learned that Citi is the only bank that does not recognize this merchants actions as a form of bait-and-switch fraud. The merchant made promises regarding XXXX benefits but failed to deliver on them, even imposing restrictions on the accounts of users who reached high XXXX levels, thereby reducing the benefits they were required to provide. 

I believe Citi has misunderstood the situation, and I respectfully request that my account be reinstated and my cashback rewards be paid.
Product: Debt collection

I have been disputing 2 collection accounts from this agency. The account numbers goes as follows ; XXXX and XXXX. At first I requested evidence that they even sent me a notice of the debt by sending me a copy of the green return receipt/shipping number. They did not provide it. Then I requested that they show me proof that I am legally obligated to pay them anything and they refused to provide me that as well. I disputed the accounts with the XXXX major consumer reporting agencies and the results came back as ; XXXX - verified, XXXX - verified, XXXX - Deleted. Pursuant to the FCRA I demand that these account are deleted from my reports immediately. I also demand compensation as this agency has violated my rights. They have reported false information on my credit reports, reviewed my credit reports without permissible purpose and on top of it all they are attempting to collect a debt that they haven't proven the legal status of. Violation of both FCRA and FDCPA. I will not rest until this agency has both deleted the accounts & inquiries and has compensate me ; {$1000.00} per inquiry, {$3000.00} per consumer reporting agency you've obtained my information, {$3000.00} for violating my rights under the FDCPA, {$1000.00} per consumer reporting agency you reported the account to under the FCRA. Even if they delete the accounts and inquiries and do not compensate me, I will seek my compensation in the court of law as my rights have been violated. This is my last warning before I proceed with legal action.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer report and I noticed an unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX. I dont have any accounts and have not applied for anything. There is no reason why this should have happened. I just had a check deposited and then removed from my account that I did not recognized as well over a week ago which was weird. I thought it was a mistake. But I signed up for fraud protection so this should have never happened. They should alert me before they run my credit with hard inquire negligence on there behalf.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX XXXX XXXX has crossed the line into intentionality and recklessness, they are making false credit reports damaging my credit reputation and causing lenders to deny me for their errors on my credit report. 

I have disputed these errors for over a year and a half on many occasions and XXXX continues to fail to correct the glaring errors that I have pointed out to them that exist at XXXX and TransUnion. 

Please dear XXXX, have the professionalism and ethical ability to fix the errors you mentioned and listed below, I have the right to a 100 % accurate report, ( THE LAW REQUIRES IT ), it is very important to me and I would not accept anything less than that, 99 % is not 100 %, the law says that every account reported to the ( CRAs ) must be 100 % accurate and verified. 


Account name : XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 

Errors : 1-You report in XXXX and TransUnion the opening date was XX/XX/XXXX, but in the PAYMENT HISTORY, the first report is from XX/XX/XXXX. This is contradictory, the payment history does not report anything for XX/XX/XXXX. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account. 

2-why did you block or DELETE BALANCE HISTORIE? 

Why don't you report the balance paid month by month from when the account was opened until it was closed? 

Why don't you report the scheduled payment every month from when the account was opened until it was closed? 

Why don't you report how much I paid each month from when the account was opened until it was closed? 

Please provide all these details mentioned in the Balance History or delete the entire account 3-In the payment history, you have ND ( which I understand means No data ) for the months of XXXX, XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX. Why do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account. 

4-Why is there no recent payment reported in XXXX? This space is to be filled in, not left empty. Enter a recent payment or delete the entire account. 


Please CFPB and XXXX, so that my account is one hundred percent accurate and verified, these accounts have been paid in full and have errors that directly affect my financial health, so be 100 percent accurate or delete the entire account. 

I am attaching evidence directly from the XXXX report where I demonstrate the errors mentioned. It is worth mentioning that this account has already been removed from XXXX for not complying with the FCRA. 

Sincerely XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In mid XX/XX/2017 I went to XXXX XXXX XXXX to look at puppies. The lady at the counter told me I could finance the puppy. I applied at XXXX XXXX XXXX and XXXX XXXX. When I applied for XXXX XXXX XXXX I was told I could take the dog same day. I paid a {$300.00} deposit over three weeks and was told the purchase price of the puppy was {$3000.00}. I have since lost my paperwork when my home flooded due to Hurricane Harvey. I  applied online to finance the dog and was approved. I was told my payment would be due in XXXX. It was my understanding that I was getting a loan for the purchase price of the puppy. I would have never agreed to pay {$6500.00} for a dog. The amount of {$6500.00} never presented itself with anything I signed, viewed or agreed to when purchasing this animal. In addition, the dog has had to have XXXX, and has fell ill twice ; once within the first week of getting the puppy. Had I known someone expected me to pay {$6500.00} for this puppy, I would have never left the store with the puppy and/or I would have returned it immediately.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Opt-Out Request Under the FCRA and XXXX XXXX XXXX To Whom It XXXX Concern : As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am formally notifying XXXX XXXX XXXX XXXX XXXX am exercising my rights to opt out of any and all authorizations, written or unwritten, verbal or nonverbal, that I may have previously provided to your organization.

This request is being made pursuant to the provisions outlined in 15 USC 6802. I request that you cease any sharing, dissemination, or use of my information under these authorizations immediately. 



Please confirm in writing that this request has been processed and that no further action will be taken based on any previous authorizations. 



Thank you for your prompt attention to this matter. If you have any questions or require additional information to process this request, I can be reached Via Email Or the address that has been provided to you Sincerely, Federally Protected Consumer This request is being made due to recent concerns regarding the handling of my personal information and an unauthorized usage of the sharing of my personal data. I believe this is a necessary step to protect my rights and privacy as a Federally Protected Consumer
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. THANK YOU.
Product: Prepaid card

XX/XX/XXXX : I received a Vanilla Gift Card for {$100.00} from co-workers as a retirement gift. The Gift Card included receipts from the store purchased. 

XX/XX/XXXX : I tried to use the activated Vanilla Gift Card to make a purchase however when checking the balance I was told to contact Vanilla 's Customer Service. I did so and was told the Vanilla Gift Card was " compromised '' and that I would receive a replacement Vanilla Gift Card.

I received the replacement Vanilla Gift Card along with the attached letter. The letter references that the replacement Vanilla Git Card " ends in XXXX '' along with my mailing address ( so the card must be assoiciated with me ) Once I received the replacement Vanilla Gift Card I discarded the original " compromised '' Vanilla Gift Card. At no time during my conversation with Vanilla Gift Card customer service was I instructed to retain the original Vanilla Gift Card and receipts. 

XX/XX/XXXX : I attempted to use the replacement Vanilla Gift Card for an XXXX purchase. Since the purchase went through and the entire {$100.00} was used for the purchase, I discarded the replacement Vanilla Gift Card so I would not try to use it again in error. XXXX let me know the next day there was a problem with the replacement Vanilla Gift Card and used my personal credit card instead to complete the purchase. 

Unfortunately... the garbage pickup was that morning so I was unable to retrieve the card and the full card number. Since Vanilla Gift Card knows which card was sent to me and I still have a {$100.00} balance I believe I am eligible for a replacement card. 

I contacted Vanilla Gift customer service again and asked for a replacement card so I would not lose the {$100.00} amount. I was unable to have them understand the original receipts were discarded and that the replacement Vanilla Gift Card was sent to me by Vanilla Gift Card with card number and bar-coding. 

I understand that Vanilla Gift Cards are " anonymous '', however in this case Vanilla Gift Card sent me the replacement card along with a letter that includes both my name/address and the last 4 digits of the replacement Vanilla Gift Card. Surely Vanilla Gift Card must know which card was sent to me as a replacement. 

XXXX - XX/XX/XXXX : I contacted the XXXX XXXX XXXX XXXX XXXX  and worked with XXXX XXXX. She contacted the company on my behalf. XXXX XXXX from Incomm ( parent company of Vanilla Gift Cards ) told her that no replacement would be possible without the front/back of the replacement card. Since I can not provide the card they closed the case and Incomm refuses to accept they know which card they sent me... I am reaching out to you.
Product: Checking or savings account

On XX/XX/2020, I awoke to a " XXXX '' window screen that stated I needed to call a certain number. There were loud beeps emitting from this window which I could not control, so I called the number on the screen. A computer tech answered and said he would proceed to fix the the hacking problem. An hour and one-half later, he said my banking accounts had been hacked and transferred me to a supposed USAA Fraud Officer, XXXX XXXX, XXXX. XXXX reported that three unauthorized transactions against my USAA bank account had been initiated in the amounts {$4200.00}, {$4900.00}, and {$5300.00}. When I asked Miles why USAA couldn't stop these transactions, he said they were " in process '', USAA could not stop them that I had to move money from my checking account into gift cards to reduce the account so the transactions would bounce. XXXX directed me to purchase {$3000.00} in gift cards. XXXX and the hacker team took possession of the {$3000.00} gift card amount. 
I filed a XXXX County Police report XXXX, and an FBI report of hacking and fraud, plus an FDIC complaint. While USAA states that they have liability coverage for fraud, USAA dismissed my case and said that I was an actor in this fraud and could not be compensated for my loss. 
USAA is seen as a bank for the military. I awoke on XX/XX/XXXX with a XXXX XXXX. I am a XXXX vet, with a 50 % mental health XXXX. I also teach online for XXXX XXXX  and happened to have an online class later that day so I wanted my computer to work. I have been a USAA customer since the early XXXX with multiple accounts with USAA. It appears to me that USAA should provide coverage for this loss and restore my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX .... balance {$75.00} XXXX XXXX XXXX XXXX .... balance {$570.00} XXXX  XXXX .... balance {$3900.00} XXXX XXXX XXXX  XXXX .... balance {$18000.00} XXXX XXXX XXXX balance {$100.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card or prepaid card

CashApp continues to be a problem. I stayed at a hotel on XX/XX/2023. I checked out on XX/XX/2023. The hotel XXXX  my total charges on that day. I have a XXXX balance. I used my CashApp card for incidentals only. There were no charges to be applied as incidentals and my XXXX  was closed as such. The payment methods used for my room have deducted as expected. However, despite providing Cashapp with documentation from the hotel, they refuse to release my funds, pointing blame at the hotel. The hotel provided information as evidence my bill is reconciled.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Dollar Bank has no online support for mortgage servicing and this has led to it being very difficult for me to manage my loan payment and mortgage balance. I'm unable to check on my loan balance or when my payment is due online and the only way for me to do this is to either call in or wait for a monthly statement to be mailed. This makes it very challenging to keep up with my payments and has resulted in missing XXXX or XXXX of my payments. The process to set up reoccurring payments is also very tedious requiring customers to send signed forms back and forth via mail rather than simply updating via an online account. Dollar bank clearly doesn't value customer service or experience because for mortgage customers because they have online banking for other customers using credit cards and regular bank accounts. I just tried calling to get my mortgage balance ( b/c I'm unable to do so any other way ) and the hold time for calls is exceeding XXXX minutes. It's almost as if dollar bank intentionally makes it difficult to mange your mortgage and make timely payments to accrue revenue via later charges and additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint regarding XXXX, XXXX, and Transunion, all in which I stated : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I also stated to delete those accounts off my credit report.
Product: Student loan

Very shortly after student loan interest/payments resumed last XXXX, I registered for the SAVE plan on studentaid.gov and was approved. Aidvantage then placed me in forbearance while they processed my case. I was charged close to a XXXX dollars in interest over the course of nearly 4 months. I sent multiple emails to Aidvantage during this time and filed complaints through students.gov. I remained in forbearance, was being charged interest, and heard nothing back from Aidvantage. My monthly payment under SAVE was supposed to be {$10.00}. 

I finally decided to re-apply for SAVE in XXXX through studentaid.gov and was immediately approved by Aidvantage. My monthly payment was set as {$10.00} and XXXX setup auto-pay to make the payment the first of each month. 

Without asking for it, out of the blue, Ive once again been placed in forbearance and am once again rapidly accruing interest. As someone whose monthly payment should be {$10.00} a month under SAVE, the interest Im accumulating is not sustainable. 

This needs to be remedied ASAP. I need to be refunded all the interest Ive been unrightfully charged when I was supposed to be paying {$10.00} a month under an IDR program. At this point, Ive been charged over {$1200.00} in interest while in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a company Experian and most of my profile information is wrong, repeated, spelled incorrectly, whatever! I have written, called and complained, put on hold and cut-off. Nothing is ever fixed, and this is a company that reports MY credit score?! There is no oversight here. Isn't that what you're for!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union continue to report these unverifiable bankruptcy listings on my credit report. I have attempted to work with trans union directly on several occasions regarding this issue and I continue to get the runaround. Trans union has listed XXXX bankruptcies on my credit that are unverifiable and this is an illegal practice. The credit reporting agency asserts by way of the credit report, that United States Bankruptcy Court is the furnisher of this information. Seeing as how they are listed as the furnisher of information, I contacted the court to gain more information on the negative items. When I contact the courts regarding this issue, they are clear in stating that they do not report any information regarding bankruptcy cases to ANY credit reporting agency. This lead me to contact Transunion to inquire about where this information was coming from. According to the Fair Credit Reporting Act ; A credit reporting agency shall cease reporting any information that can be deemed inaccurate or unverifiable. In this case, these items are clearly unverifiable seeing as how the XXXX XXXX XXXX does NOT report to the credit reporting agencies. So if this is the case, how is TransUnion repeatedly verifying this item as correct when the information furnisher themselves is stating that they do not give out any information regarding the said case. At this point TransUnion is knowingly reporting unverifiable information and is in violation of the Fair Credit Reporting Act. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. I am asking that these two negative and inaccurate and most of all unverifiable items be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against [ Transunion & XXXX  ].

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with [ Transunion & XXXX  ] to date.

I am requesting your assistance in putting an end to this matter. 


. I have never heard of this company nor have I ever done business with them XXXX/XXXX  Account Number : XXXX Prove to me that I legally have a binding associate with you because i didnt go into debt with you I defaulted with the original creditor so show me where you extended credit to me I have never heard of this company nor have I ever done business with them XXXX XXXX Account Number : XXXX Show me that you have to right to attempt to collect this alleged debt and that you are attempting to collect is it even from the right person I have never done business with this agency. 
XXXX XXXX Account Number : XXXX Send a validation of debt letter to prove I owe money them money simply stating that this is a verified account doesn't change the fact that I dont know what iti or why it is on my credit report I need to see everything you've verified this account with XXXX  XXXX XXXX  XXXX. 
Account Number : XXXX
Product: Student loan

I am paying more for interest then for the loan itself. What Navient is doing should be illegal. I want my loan to be forgiven due to this. This is criminal.