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

I am writing to file a complaint against VanillaGift.com regarding a gift card I purchased and used. I initially funded the gift card with {$500.00}, but after using {$190.00}, I checked my online balance only to find that my balance was only {$100.00}. Upon further investigation, I discovered that someone else had used the card before I started using it, without my authorization. 

I immediately contacted VanillaGift to dispute the fraudulent activity on my gift card. They assured me that they would investigate the matter and replace the gift card within 45-90 days. I was assigned XXXX # XXXX. However, it has now been more than 90 days, and despite several attempts to follow up on the case, I have not received any resolution.

Every time I call VanillaGift, they put me on hold and tell me that they have escalated the case. However, they have escalated the case three times now, and there has been no change in the status of the case. This is very frustrating, as I have been waiting for a resolution for a long time.

I am requesting that VanillaGift replaces my gift card with the appropriate balance of {$300.00}, as I have been a victim of fraud. I hope that the Consumer Financial Protection Bureau can investigate this issue and ensure that VanillaGift provides me with the resolution I am seeking.
Product: Credit card or prepaid card

They declined me without checking my credit its not fair their system auto declined saying I was a bad customer when I wasnt I was told I could reapply but when I call they refuse to even pull my credit and see if I qualify to have a new account Opened claim they have a policy that doesnt allow and I can never have a nee account I feel discriminated against
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to WESTLAKE SERVICE INC agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting WESTLAKE SERVICE INC agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Mortgage

We are in the process of purchasing a new home. Our mortgage company requested a Verification of Mortgage XXXX XXXX XXXX from a previous loan under Specialized Loan Services ( SLS ) Company. The VOM came back reporting 4 delinquent payments. These payments were all under the federal Covid forbearance program. The VOM does not have any dates to show these 4 payments were covered under that. The VOM does not qualify anywhere that these were approved missed payments. The VOM gives no mention the loan was even in forbearance. The underwriting Department for our new loan is insistent that SLS change the VOM to be accurate. SLS is insistent that they can not change it and have no way to add anything to it or even easily send a letter of explanation to go with the VOM. The only remedy SLS said we may have is by writing to them via post mail and wait for an answer. By then we will have lost the home and earnest money and all expenses to date we've invested in this new home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal info was used without my permission to open fraudulent accounts, unauthorized and unknown residenal addresses. 

Transunion XXXX XXXX XXXX XXXX : {$630.00} Date Open : XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 


XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX transactions funds were taken from none customer service agents representing the company. 
No existing customer service for a legitimate business to display complaints of funds displaced or stolen. 

XX/XX/XXXX, XX/XX/year>- XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company is knowingly and falsely reporting information to be accurate, consistent and complete in an attempt to keep erroneous information on my credit file, in violation of 15 USC 1681s-2 ( b )
Product: Debt collection

I had disputed debt with Hunter Warfield collections by email with attached dispute. I requested written documentation and more information to verify the debt. I provided my full address, full name ad the account number and original creditor. I do not owe this debt and Hunter Warfield has wrongfully placed me with collections without allowing my opportunity to dispute the debt. I made several attempts to dispute to their email on XX/XX/XXXX and again on XX/XX/XXXX after their automated response refusing to validate the debt. Please see attached dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/2018, I received a billing statement from XXXX XXXX/XXXX at my Mother 's address. I have not resided at that address for over 3 years, in fact- I live in a different city entirely. Apparently, the person who applied for this credit card did so in Puerto Rico- I do not live nor have I ever visited Puerto Rico . They also used {$490.00} of the {$500.00} limit. I did call XXXX XXXX and filled out a document that they sent to me- I made a copy of same and also have the XXXX XXXX statement at home. They also indicated to me that the number that they had on file, associated with this account, was not even my phone number! Yet, when I tried to dispute the card on XXXX, they had the audacity to say that " the information is accurate. This item was not changed as a result of our processing of your dispute. '' Absolute nonsense- additionally, I have set up a fraud alert should anyone try to open any new accounts under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB! Because you exist, there is hope for the future of ordinary people like me. I am hopeful that the inaccuracy on my credit report will be corrected as soon as possible as I am not able to gain meaningful employment, qualify for direct plus student loan for myself and especially, parent plus student loan for my kids. This complaint against Midland Credit Management ( MCM ) stems from XXXX XXXX  XXXX store card. MCM told me that they will remove the tradeline upon receiving the full settlement payment. They received the payment, but they did not do what they promised they would do. Never mind my future or career, I need to be able to co-sign for my children 's student loans. And to do that, I have been paying off my debts. Had I known that MCM was basically misrepresenting that they will remove the derogatory tradeline, I would have just waited a few years to pay so I can use the money I paid them to pay for my kids ' tuition fees. Before the Pandemic, I had an excellent payment record witXXXX XXXX XXXX XXXX XXXXnd I am not disputing against XXXX XXXX XXXX My complaint is solely against MCM. I feel like I've been tricked to pay a lump sum at a time of inflation and tough job market - money is tight.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated. 


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.

EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loan ran a credit report 3 times against my approval. I informed all 3 credit bureaus in the past of any fraud of receiving my information without my permission and was to be cover for 3 mos or more. As far as the letter I received back from all 3 bureaus no one is supposed to run my credit without calling me first or my approval. It appears this has gone through and has lower my credit score even more. Please remove these inquiries from my credit history. Please DO NOT allow this to pass through again without proper notification.
Product: Credit card or prepaid card

On  XXXX / XXXX /  XXXX  , a payment was made in the amount of {$2300.00} which would have paid off the balance on  my PayPal Extras Master Card.      On  XXXX , I received a credit alert that my score had changed. I looked and realized the balance o  n my PayPal Extras Master Card still showed a balance and it showed it was late.
During that call with PayPal Extras Master Card, they told me the payment was cashed and applied to an account that was closed. He told me he would notate the account that no additional payment would be due and that it would take 5-15 days for them to move payment from the closed account to the open account.
I continue to get notifications that I have a balance and they clearly have not put a hold or other on my account, so I continue to send payment to prevent my credit score from falling.
A Case ID ( ticket number ) was provided to me by the asso  ciate during this call.      XXXX / XXXX /  XXXX   : I phoned to check the status of payment and they told me the account was not notated properly and that it would  take 5-15  days to reapply the cashed funds to the correct account.      XXXX / XXXX /  XXXX   : I phone d PayPal Extras MC again to check status and again, I was told the account was n't properly notated and that the clock would reset and it would take another 5-15 days to  apply the cashed payment to the proper account.     It feels highly inappropriate for a publicly traded company to post payment and stall applying those funds to an open account and continue to charge me interest and late fees for an account that would have been paid off. Their stall tactic benefits only them and it clearly a violation of my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information from XXXX is being reported to you all which is inaccurate and needs to be removed from report immediately. XXXX as the data furnisher has willfully continued to violate my rights reporting inaccurate information on my consumer reports. I am filing again with the CFPB to get this matter resolved.
Product: Debt collection

I incurred a medical bill of {$490.00} from XXXX XXXXXXXX XXXXXXXX XXXX Hospital on XX/XX/XXXX. I paid the bill in full. 

On XX/XX/XXXX, I received a letter from XXXX RXXXXP, dated XX/XX/XXXX, claiming that I owe a balance of {$220.00} to XXXX XXXX XXXXXXXX XXXX 

I called The XXXXXXXX XXXX XXXX Hospital billing number on XX/XX/XXXX and was informed that my balance is {$0.00} and that my bill was paid in full. I was further told that The XXXX XXXX XXXX Hospital has no relationship with XXXX RXXXXP. 
I got a phone call today to ask for my identification information. I asked what the company name was and they refused to give it to me at first. Then they confirmed that it was XXXX RXXXXP calling for my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) original creditor XXXX XXXX XXXX  ( XXXX XXXX XXXX ) original creditorXXXX XXXX XXXX ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

nelnet who is the servicer has reported the 120 days late on my credit file the information is incorrect for the reason i have made many attempts to get information on the account. the amount due has been satisfied and when i challenged the validity of the account in retaliation they slapped a 120 days late on my account is this a deliberate form of harassment and a attempt to destroy my credit worthiness that i have worked hard to establish.
Product: Credit reporting or other personal consumer reports

I request the removal of a bankruptcy from your credit report due to identity theft or a data breach under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, Equifax XXXX and XXXX Subject : Request for Removal of Bankruptcy Information Under FCRA 15 U.S.C . 1681c-605B Dear XXXX, Equifax, and XXXX I am writing to formally dispute the bankruptcy information listed on my credit report associated with XXXX filed in XXXX XXXX XXXX XXXXXXXX XXXX I believe this information is the result of identity theft, as I did not authorize or file this bankruptcy. 



In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-605B, I request the immediate removal of this fraudulent information from my credit report. Attached are the required documents to support my claim. 



Please investigate this matter promptly and confirm the removal of the inaccurate information from my file within the required time frame under the FCRA. 



Thank you for your attention to this matter. I look forward to your response. 



Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I attach a letter dated XX/XX/XXXX explaining I dropped the XXXX XXXX vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, CA and on XX/XX/XXXX I telephonically contacted XXXX XXXX XXXX to inform I had dropped the vehicle. The extended lease on the vehicle expired on XX/XX/XXXX and all the payments were timely made. On XX/XX/XXXX I received a threatening telephone call from an individual, XXXX, ( copy of a 2-page letter signed by XXXX is attached demanding {$1000.00} payment ) at my current employers telephone number. Later, I checked my credit report and found out that on XX/XX/XXXX a status updated was posted on my credit report showing a balance of {$2900.00} and indicating past due 30 days. I enclose a copy of this page of my credit report attached to the XX/XX/XXXX letter. For clarification purposes, the XX/XX/XXXX letter consists of two pages only. I received an Official Notice of Vehicle Return dated XX/XX/XXXX. Again, on XX/XX/XXXX I checked my credit report showing Status Negative by AMERICAN HONDA FINANCE, Balance {$2900.00}. On XX/XX/XXXX I called XXXX XXXX XXXX and I was told by the customer female representative XXXX has not posted any negative entry on my credit record and the representative advised me to contact myself each one of the credit reporting companies to fix my credit problem. By looking at the letter signed by XXXX XXXX, I found out XXXX XXXX XXXX is a DBA of American Honda Finance Corporation. I leased in XX/XX/XXXX an XXXX vehicle and I had no issues with the vehicle return but only because I leased another XXXX vehicle, the XXXX XXXX. I had the intention of purchasing, not leasing this time, an XXXX vehicle but after the way I am being treated I will not do it. And worse, when I test drove an XXXX vehicle on XX/XX/XXXX the vehicle I drove had mechanical issues. 

These are the companies involved with my complaint : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX American Honda Finance XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my Equifax credit account thru XXXX XXXX and my score dropped 62 points. Collection accounts are a negative item on a credit account and my score should have not dropped 62 points. I have tried on several attempts to resolve this issue with XXXX XXXX and it has not been resolved. I also have a car note account listed on my account with them and the credit company reported exceptional payment history. Yet my score goes up one point each month. I need both issues investigated and resolved. Thanks.
Product: Mortgage

For reference, the mortgage providing company ( XXXX ) that I have been working with is a third party that connects me to other lenders. On the morning of XXXX, XXXX, on their website, I received a very attractive refinancing rate of 15yr at 1.75 % with a lending credit of {$6700.00}. A rate that they pull directly from the lending company ( Caliber Home XXXX ) that they work with. I applied for the rate and provided all the required paperwork for the loan. I signed a loan disclosure that contains the rate information. In the evening, I received a call from a credible loan officer saying that the rates provided to them from Caliber Home XXXX was a mistake. Caliber has published these numbers in the morning for 2 hours before realizing that it was a mistake and then took it down. I told the loan officer if he could look into it with Caliber to see if they would own up to their mistake and honor the rate that they advertised. Of course Caliber replied to the Credible loan officer this morning saying that they would not honor the rate. The difference between their current rate and the falsely advertised rate is about {$14000.00} worth of points. I have only attached the loan rate portion of the loan disclosure document since the document itself is above the size limit.
Product: Debt collection

the junk debt buyer has illegally accessed my credit report and has failed to provide the validation of debt. The junk debt buyer was given all access to my credit report without permissible purpose. I sent the junk debt buyer validation of debt, certified mail. The Junk debt buyer retaliated by threatening a lawsuit against me, as well as increasing the debt collection calls as well as failing to skiptrace and lookup my phone number on the donotcalllist.gov website
Product: Credit reporting, credit repair services, or other personal consumer reports

try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received XXXX, transunion, and XXXX need to correct this asap
Product: Credit reporting, credit repair services, or other personal consumer reports

" Hard '' inquiry performed by XXXX - XXXX via Equifax on XX/XX/2018. No authorization of any type provided to XXXX - XXXX for any inquiry. 
At the time of the inquiry, established services with XXXX were moved from one city to another. I explicitly asked if a " hard '' inquiry would be made, and was told " no ''. 
Equifax dispute number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX Not only is the account incomplete, its also inaccurate. 

Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX and XXXX are both reporting payment history while Trans Union is not. Was I late? When was I late? I don't recall ever being late on my payments.
Product: Debt collection

I submitted a validation of debt letter to Guglielmo & Associates, XXXX on XX/XX/2020 representing XXXX XXXX. Guglielmo & Associates, XXXX never responded to debt validation letter, nor submitted any information regarding the debt they were attempting to collect within the 30-day timeframe and continued to threaten and pursued legal proceedings. Legal proceedings were filed XX/XX/2020 by Guglielmo & Associates, XXXX representing XXXX XXXX.
Product: Credit card or prepaid card

have disputed with all  XXXX  CRA 's as well as  Capital One Ban k and have sent the m 3  dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify the account on my CR account bein g Capital One Bank  such as a signed application or some supporting documentation to supper why this is negative account is being reported on my credit report. As I 've stated I 've sen t 3 dispute letters asking all   XXXX   bureaus  XXXX ,  XXXX , and   XXXX   and the creditor Capitol one bank asking for these documents and if they ca n't not show forth the documents on how they verifi ed this account belongs to me other than just telling me that it is in a reply letter that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation from this creditor any of the  XXXX  CRA 's. With th e 3 letter s that I have sent I just continue to receive in reply verified or updated, or after the investigation we 've found this o be your account but no documentation as I 've requested to verify this stanc. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal from my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've se nt 3 lett ers without any resolution. Thank you in advance