23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/XXXX, XXXX my mother purchased a Vanilla VISA debit gift card from XXXX XXXX for {$500.00} as a Christmas gift to me. 

On XX/XX/XXXX, XXXX The Vanilla VISA debit card was declined at XXXX XXXX  and XXXX  XXXX I called the Vanilla " customer service '' number and was advised by a supervisor " XXXX '' that the card was declined to protect me from suspected fraud. I was not provided a response as to why these vendors or amounts are potentially fraudulent. I was advised that the card was clear and free of any alerts, and I could spend the {$500.00} at a later date or location. 

On XX/XX/XXXX, XXXX The Vanilla VISA debit card was declined at XXXX again. I called the " customer service '' number and was advised by a supervisor " XXXX '' that my card was declined and deactivated due to suspected fraud. Again- I asked Vanilla to provide a response as to why the card was being declined and no specific answer was provided other than a standard talking point that the supervisor was reading. " XXXX '' advised that the card is canceled and a new one will be sent to me. 

I read online that Vanilla Debit cards can be declined if the total purchase is greater than the value of the card. 

XXXX ) This is inaccurate information, as I used XXXX {$100.00} cards On XX/XX/XXXX to decrease a bill of {$3200.00} for tile purchased as Arizona tile. 

XXXX ) If this is the case, Vanilla VISA debit will never fully release the full {$500.00} of the paid amount on the debit card because it would be virtually impossible to have the same amount on the debit card as an expense as the balance on the card depletes. In essence, over time- Vanilla VISA debit keeps the small and remaining balances on the card. I assume Vanilla card generates millions of dollars through this scheme over time. 

XXXX ) I had an outlay of {$500.00} cash in XX/XX/XXXX, and XXXX month later I still can not access this money. This is an interest free loan of {$500.00} that Vanilla is imposing on me. That is false marketing and advertising and fraud as my card has been repeatedly declined, and I can not access this money on a systemic basis.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Phone payment was made to my Chase mortgage account on XX/XX/2021 and a confirmation was given. Weeks later, Chase said there was a digit missing from the payment account # and is reporting my payment as late on my credit report.
Product: Credit reporting or other personal consumer reports

I have been trying to remove a charge off account XXXX from XXXX XXXX that has multiple inconsistencies and is not my account. It is ruining any chance of me getting credit of any kind. I have asked for validation of debt numerous times and have never received anything.
Product: Vehicle loan or lease

In XXXX of XXXX I went through the process of trading in my used vehicle for a used car from the XXXX dealership in XXXX, XXXX XXXX I trade my car in and received the used XXXX XXXX, however I was never explained to about the finances were for me to have that vehicle to the extent that I think Fraud has been submitted, In XXXX of XXXX I sent a letter asking to see the actual accounting on the account, No one responded. I also sent an negotiable instrument as a payment method according to consumer laws, they ignored that as well and kept the instrument. Fast forward to XX/XX/XXXX my car was repossessed with out an arbitration, stated by law in the contract, I believe this company was robbing me of my finances.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report. Thank You XXXXXXXXXXXXXXXX XXXX THESE ARE AFFECTING ME GETTING MY HOME APPROVED. IF I MISS MY OPPORTUNITY TO CHANGE ME AND MY FAMILY 'S LIVES I AM GON NA FILE A LITIGATION LAWSUIT WHICH WILL COST MAJORLY FOR THE VIOLATIONS OF THESE ACCOUNTS CAUSED BY XXXX XXXX XXXX 18USC1028A 15USC1681B NO PERMISSIBLE PURPOSE 5USC552A PRIVACY LAW FCRA VIOLATIONS FOR UPDATING THE ACCOUNT AS VERIFIED WITH NO PROOF OF WET INK VALIDATION AFTER A FTC REPORT WAS SUBMITTED ALONG WITH ID VERIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bank is reporting erroneous and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/2022 with XXXX and XXXX XXXX and has yet to respond. XXXX is reporting false and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/XXXX, with XXXX and XXXX XXXX and has yet to respond. In accordance with the Fair Credit Reporting Act, these companies are violating my rights : 15 USC 1681 602A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish account without written authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I have financial hardship that caused me to put my loan in deferment status, but the Federal student loan agency reported it as 6 Late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In either   XX/XX/XXXX   or   XX/XX/XXXX  I  applied for a credit card with  XXXX    XXXX  Account   #  XXXX . I then had a medical issue and went to the hospital followed by an extended stay for  XXXX . In   XX/XX/XXXX   I was made aware by  XXXX   XXXX  that my account was past due {$130.00}. These charges were for a {$75.00} annual fee followed by late fees. I told the representative that I was in the hospital and  # 1 NEVER RECEIVED THE CARD AND # 2 NEVER A CTIVATED THE CARD. When I questioned the representative as to how they could charge me without ever activating the card the representative agreed that this was a mistake and apologized and told me not to worry about any charges, that my account with the company would be closed and balance brought to {$0.00}. Although   XXXX   XXXX   updated the balance to {$0.00} on my credit reports they are still reporting a 30 day late payment on my credit for   XX/XX/XXXX  . I tried calling them again and even contacting the  XXXX  credit bureaus  (    XXXX   XXXX   and    TransUnion   )  but, the late payment is still there! How can this company report a 30 day late payment for a card I never received and NEVER ACTIVATED and ruin my credit!!! I 'm trying to buy a house and they are causing me undue harm. I 'm going to have to extend my lease instead of buy a house all because of this companies fraudulent activity and scam of trying to get money from me without me ever activating the card. Please help me get them to remove this late payment of my credit report. This company is a SCAM and the reason I 'm not in my own house right now!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Debt collection

this debt was included in my chapter XXXX case in XXXX, after my case was completed in XXXX XXXX decided to turn this account over to a collection agent in the amount of XXXX it is listed on my credit report status as in collection, I have called XXXX XXXX on numerous time about this account no result.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXXXXXX 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 or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts XXXX XXXX, that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the GENESIS CREDIT MANAG for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I pulled my credit and noticed a collection with Grant Mercantile Agency. I called called Grant Mercantile Agency to inquire about the collection and was advised theyd delete it with payment. When I called back and paid the collection, I was advised they wont delete it and to add further insult to injury, I was then advised I had additonal collections with them that were not on my credit profile. Since I am working on a home loan, in my panic I paid the additional amounts. Keep in mind, I received no phone calls or contact via US Mail with regards to amounts owed. Due to that, I was not provided the full statutory period in which to dispute the validity of the debt ( s ) in question as I did not receive my initial notification regarding the debt per the FCRA guidelines. I would like the collection ( s ) removed from my credit due to erroneous, abusive collection practices as it is prohibiting me from moving forward with a home loan. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

See attached letter to Experian Documents to identify myself will be submitted if necessary
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Prepaid card

I received a prepaid Amex Gift Card for XXXX, and right away, first purchase, it was declined. The website doesnt recognize the card and the customer service team just sends your running around from place to place. The last solution they gave me before giving up was that I need to mail them some information and theyll send me a new card, but theres no guarantee that, that card will even work. Ive read about so many situations like this, I dont know how Amex is still able to give out gift cards when so many of them dont work.
Product: Money transfer, virtual currency, or money service

Good Afternoon, I have been a Coinbase customer for more than a year now. An account of mine has been blocked for more than 6 months and It won't let me access it. I have changed all my passwords, the card is correct and everything seems fine. I'm desperate and I don't know who to turn to. I need for my account to be unblocked, so I can access my money. I need it to pay my bills. I've written more than a XXXX e-mails and I always get generic responses. Can someone please help me? I have approximately XXXX. COINBASE CASE : # XXXX Thank you, I await a reply.
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 USC 1681. 


XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the several presence of late open accounts on my credit report. I have recently discovered these inaccuracies and demand immediate action to correct this issue. 

Upon reviewing my credit report, I noticed that there are late open accounts listed, which are erroneous and not representative of my financial history. I believe this is a severe error that must be rectified as soon as possible. 

I request the following actions to be taken immediately : An immediate investigation of the late open accounts. 
Prompt correction of these inaccuracies from my credit report. 
A formal, written explanation of the corrections made to my credit report. 
I understand the importance of an accurate credit report, and these inaccuracies are affecting my financial well-being. They have the potential to harm my credit score and hinder my ability to access loans, credit cards, and other financial services. It is my right as a consumer to have a credit report that accurately reflects my financial history. 

I trust that you will treat this matter with the urgency and professionalism it deserves. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this issue. Please assist me to correct these late open accounts in myu credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit card company Avant, I last spoke with them last year around XX/XX/XXXX or the month after, I called in to make sure the balance was paid off. The balance that was owed was XXXX, the representative stated that they placed credits back to my account which was the late fees charges and others fees that was assessed and that took care of the balance owed. Today XX/XX/XXXX I get a notification to my phone about a collection account added and it was the credit card company Avant, I spoke with last year. So I called them today asking them to look at my last statement and the notes on the account and the last representative I spoke with, and I asked to speak with a manager as well and they couldnt provide me with one. She continue to tell me they sold my account and she cant help me and I need to talk to the people who they sold it to. This is outrageous I spoke with them last yr and I had no balance owed, and no up to date statement seeing that I did make a payment to them as well before I called last XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined Experian as a member. Experian showed my score as a FICO 8 score. I thought it was high enough to apply for financing for a mortgage. The mortgage said my score was much lower. I called Experian and they said that is because the mortgage company uses FICO 2. If I would have known THAT SCORE, I would not have been so quick to apply for a loan. This needs to be more transparent and consistent. Use one scoring model for all financing. I know have inquiries on my credit report simply because everyone is using a different model and not being upfront with what your true score is.
Product: Checking or savings account

Today, Thursday XX/XX/XXXX, I was in the atm at XXXX XXXX XXXXXXXX in XXXX XXXX at XXXX am and the atm took my {$800.00} deposit but didnt make it trough. I went to the bank but they told me they couldnt do anything, so I called to the receipt the atm gave me and nothing. They dont respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting for a response from the bureaus and have not been notified. 
I am asking them to simply to Validate the accounts that are reporting on my credit report. They have sent a copy of my credit report but it does not address the items that I am asking to be investigated/ updated and removed. Please investigate the accounts I have included on my letters that needs to be validated.
Product: Credit card

My tax refund came in and they took XXXX dollars from my savings, and when iasked them where it went they said it went to the XXXX XXXX card .I said its gone from my account and they said yes it was closed. 
iasked them to show me the money went to that account and they said they could not do that. 
this is not the first time they have been taking my money all nthe time for a account i cant see. 
and no proof or reciepts. 
i asked for the manager and the told me the same thing. 
the money they took was from my sons acount.