23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I purchased a Vanilla Visa Gift card in XXXX with {$400.00} of funds on it from a XXXX XXXX grocery store, which was then mailed via USPS to a recipient as a gift. The recipient never received the parcel via mail, and on XX/XX/XXXX, I immediately reported the gift card as missing to Vanilla Visa Gift Card customer services. Per their automated message, website and FAQs, if a gift card is lost or stolen they will void the lost card in order to preserve the funds and provide a replacement to ensure the funds are not stolen. I've had about 7 phone calls with the team, where I've sent my receipts, license and proof of address to the client services email ( and received confirmation of receipt of email ) at least 5 times, however, each time I call Vanilla Visa, their team claims that they haven't received the documents, can not access the email that I send the docs too ( as it is managed by a middle office team that they claim to not have contact with ) and keep closing my case. I was also told that the case would be resolved in no more than 30 days, and it is now over a month since I reported my card missing and the team has not addressed my case, nor have they followed up with me once to provide a status update.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I applied to live at XXXX XXXX, I paid a {$200.00} application fee and a {$200.00} administration fee and {$500.00} deposit in 2020, I was not accepted and never moved in the building. I was given my deposit back, and there was no refund of the {$400.00} fees. A few months later I started receiving calls saying I owe a balance from moving out. I never lived there, and they took {$400.00} for me. They called for months and then a debt collection company started calling. This debt of {$900.00} is now on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 

Fraudulent Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX  Inquiry : XXXX XXXX, XXXX  I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

The inaccuracies on my credit report are causing me a lot of stress and uncertainty about my ability to use credit for essential purchases.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number XXXX Account name : NAVY FEDERAL CR UNIONXXXX Account number XXXX Account name : NAVY FEDERAL CR UNION, Account number 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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

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

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
Department of EducationXXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out on twice to Equifax, XX/XX/2020 and XX/XX/2020 asking them to provide me the name of the original creditor of 3 accounts listed on my credit report so that I may reach out to them for additional information. My credit report was updated that I disputed the item however I was never provided with the companies name and the accounts are still showing up on my credit report. I need to get this resolved as it is hurting my credit score and keeping me from getting financing.
Product: Credit reporting or other personal consumer reports

The credit reporting agencieXXXX XXXX and XXXX continue to report my XXXX XXXX platinum credit card ending in XXXX as a charge off. However, I was a victim of a XXXX in which the thief fraudulently used my card and identity to cause the charges on my credit card, as a result, I am not responsible for the charges. I have attached a copy of the police report in which the criminal was ordered to pay me a restitution of {$49000.00} and sentenced to 3 years in XXXX for the crimes of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this charge off account from my credit report agencies as it is a result of fraud.
Product: Debt collection

Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Product: Checking or savings account

Hello, On XX/XX/2018 I attempted to open a checking account at Suntrust bank at the XXXX location in XXXX XXXX, Maryland. There is an offer online where if you submit your email they will send you a promotional code for a bonus of {$500.00} dollars upon opening the account and receiving a direct deposit of {$2000.00} within 60 days as well as complete 10 debit cards purchases. I brought my code in to the branch and spent an hour with the bank manager setting up the account as well as submitting a {$100.00} opening deposit. Everything seemed well until the banker could not see the offer attached to the account after opening. She reached out to her headquarters where no explaination was given as to why it didnt work. She then closed my account and refunded my {$100.00}. I have tried to reach out via phone to suntrust customer service and they give no answer as to why I could not open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with Experian, XXXX and XXXX   consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' ) XXXX provided on XX/XX/ 2018, as alleged and reported by XXXX XXXX  XXXX, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX 

II. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX services provided on XX/XX/2018 as alleged by XXXX XXXX  XXXX. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX  balance. As there is no balance due XXXX there is no debt due XXXX/ III. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with Experian, XXXX, and XXXX   consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). 

IV. 

The foregoing considered ; I respectfully request : 1.  Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

2. SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 

3. Deletion from my consumer files the disputed information of my indebtedness to FDRMC as provided to XXXX, Experian, and XXXX consumer agencies by XXXX XXXX  XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).
Product: Debt collection

Within the last 48 hours, my husband submitted a complaint to CFPB for an alleged debt that was never reported to him and he received a call from the collection agency on our landline, and now I received a call today on my cellphone from Optimum Outcomes Inc. from their main number XXXX that I did not answer at XXXX XXXX. Of course, no message was left and there has been absolutely no written notice of any debt from any provider, let alone any billing, for years at this point. Continuing to call a party with absolutely no proof of any debt or even giving an opportunity to dispute a debt is simple harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX dba with XXXX XXXX XXXX XXXX is charging over {$700.00} cash USD interest on XXXX of {$300.00} in 2024. And they are reporting to XXXX gross higher USD loans on customer credit reports as new loans, including interest and not reporting previous loans paid off by customers in 2024. Also Store employees admittedly asking g XXXX XXXX XXXX XXXX for their Branch MOS/Job title and sharing that information to other persons for monetized gains unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score. Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day Wells Fargo service specialist. I typically turn around my compliant within minutes due to the obvious lack of a rear concerned effort to try and resolve my complaint, but due to an actual well-crafted response I had to make time to go over the response with some advisory professionals. That along with the CFPB system being down for a few days delayed my complaint submission until now. My complaint regarding my credit report is pretty straight forward. The property known as XXXX XXXX XXXX XXXX XXXX XXXXXXXX was foreclosed on, which to this day lease the only blemish on my credit report. I contest this negative reporting due to the many cases of mishandled loan modifications, intentional or not, at the hand s of Wells Fargo. It is my contention that special consideration should have been provided to me due to the highly toxic and predatory nature of the then PICK-A -PAYMENT loan that was peddled to millions of unknowing victims. Yes in XXXX my XXXX requested was denied due to having a housing expense of XXXX  % of my total income and a debt to income ratio of XXXX %. However these non-qualifiable numbers came about from being forced into a state of fiscal survival and life changing sacrifices to me and my family. For starters when originally approved for a loan modification back in XXXX of XXXX by Wells Fargo it was at a time when my housing expense and debt to income was at the brink of fiscal collapse and Wells Fargo knew this. Did they offer me a step down modification plan that could help me through this difficult time... No Wells offered me the same XXXX interest terms and conditions that got me in this mess to begin with and to add insult to injury all overdue back payments, interest and fee would be place on the back of the proposed modified loan. XXXX me once shame on you XXXX me twice shame on me. Needless to say i was left with little choice other than to decline the so called modification, which only was altered enough to prevent immediate foreclosure proceedings, and take seek legal guidance. Above all, it is this XX/XX/XXXX modification that I contest as being the most damaging and yes unjustly corrupted. If need be I'm prepared to take these so called modifications in front of a judge and jury and see if in fact that I was unjustly targeted and treated by Wells Fargo. I know this to be true because I've had years to do very diligent research and I know factually that I was victimized by Wells Fargo. 
XXXX Account # XXXX XXXX XXXX Trick-A Payment loan
Product: Checking or savings account

I obtain a navy federal account by applying and was ultimately granted the account. After stepping into a branch and providing my identification I was able to get a brand new debit card and deposit money into the account. A few days later I noticed I couldnt log into my account, so I called navy federal and was told to send in an appeal with information proving I am who I am. After sending in countless documents proving I am who I am I am still met with the issue of not being able to get my funds. At this point they can close the account or keep it restricted, I would just like to get my funds back that I deposited into the account. By law they can not keep my funds after I have provided countless documents showing proof of address as well as identify.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3100.00} XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX -- {$730.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$760.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$8300.00} XXXX # XXXX XX/XX/XXXX XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Debt collection

The original balance was {$2100.00} and I paid $ XXXX  monthly for over a year. The account was opened pre-pandemic in XXXX and in XX/XX/XXXX because of the pandemic my salary was reduced by 10 % and I couldnt keep up with the payments. I tried to make arrangements for a lower amount and it was not accepted. I was willing to make smaller payments during the pandemic until my salary was restored. The original creditor ( XXXX ) sent the account to collection without my knowledge. I recently noticed an entry in my credit report for a collection in the amount of {$2900.00} which is more than what I owe. I did receive a threatening message from the collection agency about a week ago stating they have all my information and will show up at my place of employment or at my house and even called my Mothers house giving her details. Most people during the pandemic suffered losses and my intentions was never to NOT pay whats due and this is why I had already made over XXXX consecutive payments on the account. I think the collection agency is taking advantage of the pandemic knowing most people suffered some type of loss. They want to hurt people by adding a collection in their credit report which is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on 4 accounts on XX/XX/XXXX and it arrived on XX/XX/XXXX. They did not start the dispute process until XX/XX/XXXX and I have not received the results as of today ( XX/XX/XXXX ). I have tracking number from postal office that they received it on XX/XX/XXXX. I have made a number of calls to try to get this taken care of and they informed me to send a complaint with FTC. By law, they must process the dispute 5 days after receiving it in the mail and it should be completed 30 days after process. None was done according to the law.