23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/year> I bought a Visa branded debit gift card at a retail store. The card indicates that it is from VanillaGift.com, and says the issuer is XXXX XXXX When I tried to activate the card following the instructions that came with the card, the VanillaGift website returned a message that there was a system error. I immediately contacted their customer support and filed a case with them. On XX/XX/year> I provided all the documentation they requested. It has been more than three weeks since they acknowledged receipt of the documentation, and they still refuse to tell me anything more than " we are investigating- please allow us more time ''. I have contacted them several times to ask for information about the case. I feel that his delay and unresponsive customer service is unacceptable. Can anything be done to get VanillaGift to respond? While I am waiting, {$200.00} of my cash is tied up and unavailable to me.
Product: Debt collection

I received a call and letter from Cach , LLC. They have been emailing me through a secure online email, which is suspicious. They are saying they purchased a loan from XXXX, I took out with my husband XX/XX/XXXX, they took over XX/XX/XXXX. 

They waited 2 years to contact me for collections.They are very aggressive. It is not showing up on either one of our credit reports ( checked all XXXX CBR ). 

My contact with Cach, tells me it is, then tells me they have to fix that. Then I ask for the transaction history. Which it says in the letter they sent is attached on XXXX XXXX, is not. The contact says, he can not give it too me. From my records my last payment was made XX/XX/XXXX. So the Statue of Limitations is coming up on 6 years for NYS. Makes sense for their aggression. 

The loan is for XXXX. Also they added on XXXX pages of their own " additional terms '' to the loan agreement we signed, " thinking we would n't notice ''? 

They are trying to get us to settle of course. I am on XXXX, I have sent them all proof they can not collect from me. They want my husband to settle, he is thinking of filing Chapter XXXX. 

Cach is very inconsistent with their responses via email and seem deceitful. We do n't trust the person ( s ) we are contacting CACH. LLC. 

We know they can get a summary judgment. We are researching other ppls horrors stories. We own a home and are very very concerned for our well being. The loan also does not show up when I ran a loan search XXXX. 

I am going to XXXX to the the recovery account department to get a copy of my account. I hope this will resolve the SOL and be able to have a little bit of understanding how to move forward. 

I have all their email with lies.
Product: Money transfer, virtual currency, or money service

My husband and I requested a domestic wire transfer on Friday, XXXX XXXXXXXX a transfer to a mortgage title company for our closing costs. On Monday, XX/XX/XXXX, my husband received a call to Citi Bank to verify his identity. He called back. He then received a text to verify his identity. After verifying the text for his identity, he was then asked two random questions : a ) Type of XXXX XXXX owned b ) Location of properties owned My husband has neither water vehicles nor any properties provided. After trying to clarify, Citi Bank said he had failed the verification and therefore the wire transfer was canceledd. 

We immediately requested a new wire for our funds and called Citi Bank. After being on the phone for 60 minutes, we were provided the number to the Citi Wire Speciality Unit. XXXX, the agent, with us on the phone said that there was a hierarchy to identity verification- text and then Citi uses a third-party company to find random information for clients to identify and confirm. The problem is that neither my husband nor I have ANY INFORMATION on the questions asked- we believe that the wrong identity was researched and therefore we can't access or utilize our money. We now have to hope that our second wire comes through and that, hopefully, the two questions asked are relevant to us. 

We are furious that we have had to jump through hoops ( getting access to our account was a whole other issue ) and now, we can not do what we need to do with our own money. The wire is time-sensitive and we are now further away from getting a remedy.
Product: Money transfer, virtual currency, or money service

Good afternoon : I recently opened an account with coinbase.com. I adhered to all the security and privacy protocols. I made two purchases amounting to roughly {$1900.00} between XXXX XXXX. I received an alert that said my account was compromised. I immediately asked Coinbase to shut my account down until I strengthen my security protocols, thinking it would be easy to reinstate. A notification from Coinbase said they would rectify the problem in 4-5 days. I believe I may not be the only one that is feeling scammed by a Coinbase. After reviewing certain crypto blogs, it seems like its a fairly relevant in common situation. They provide no customer service or any way to contact them via phone. XXXX contact is done through a case number and email. Which, always goes on answered. Please help me to get my money back. Thank you
Product: Credit reporting or other personal consumer reports

The said company has received my personal information illegally and without consent. I do not consent to having said information reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Collection Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please pull the phone records for a conversation that took place approximately   XXXX   XXXX   XXXX   between myself and a   XXXX    customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that   XXXX   starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the  XXXX  customer service agent on approximately   XXXX   XXXX   XXXX    I w aited another 3 months in " grace period '' and it goes by and all of the sudden   XXXX   XXXX    notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with  XXXX , and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with  XXXX ! 45 late payments is malicious and has indescribably made my life a living  XXXX . I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the 590 's solely due to   XXXX   XXXX   customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with  XXXX  3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired   XXXX   XXXX   which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all   XXXX    reporting agencies against these  XXXX  false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my   XXXX    student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
Product: Mortgage

Under Federal Law relating to revolving errors in servicing my loan I have a right to submit complaint to Consumer Financial Protection Bureau. Suspicious actions were taken by New Rez LLC. NMLS # XXXX. 




Fradulent activities getting my payments and not applying them on time reversing them back and forth making my loan go to default. 

1. Regularly unapplied my payments by holding it for up to 27 days and applying late. Make me pay all kind of fees.

2. Calling from XXXX XXXX rep. XXXX XXXX on XX/XX/XXXX to collect secondpayment after I paid manually online on XX/XX/XXXX and it is still unapplied on XX/XX/XXXX. 

3. Turned off my Autopay on scheduled date XX/XX/XXXX and XX/XX/XXXX for a reason my loan late past due. 

4. Force me make 2 payments a month on amount of {$1000.00} for last 2 months. Total I made 13 regular payments and 3 additional principal payments XXXX. Total made 15 payments year XXXX. 

5. Sent representative to sneak by my property on XX/XX/XXXX without any notice and explanation by mail or byphone. 

6. Didn't notify me for {$15.00} fee which was added for property inspection. 


All dates and amounts and actions added to attached document.
Product: Credit reporting or other personal consumer reports

I have a collection account from Portfolio recovery saying I owe XXXX dollars and the date opened is XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Dear Dispute of Inaccurate Late Payment Reporting - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subiet : Request for inacurete late payments base on FCRA sp ecifically 15 USC 1681. 
I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With XXXX XXXX XXXX XXXX XXXX Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$52.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXX FIN XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

This is a follow-up to my complaint you closed XXXX WHICH SHOULD NOT BE CLOSED. I am disappointed you are not handeling my complaint seriously. Here it is XX/XX/XXXX, and this is still not resolved. Great Lakes refuses to remove balances owed ever per their XXXX process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report incorrectly a collection in the amount of {$27000.00} on XXXX partial account number XXXX. ( Please see page 22 of the attached credit report. ) I have attached copies of past credit card statements from XXXX reporting a date of last activity in XXXX showing a statement balance of {$2800.00}. This card has not been used so it would be impossible for this card to report a statement balance in XXXX of {$27000.00}. There clearly has been a mistake made on reporting this inaccurate statement balance as well as a typographical error on behalf of Experian. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this error, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting late as reported in my XXXX and Credit bureaus. These accounts should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Checking or savings account

A charge of XXXX from XXXX XXXX # XXXX Was found on my debit checking account I have not made a purchase through XXXX XXXX 
My name is XXXX XXXX XXXX My checking account number isXXXX I have been trying to contact the Fraud departments I have been placed on hold over 1 hour I have locked my debit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I've contacted the original creditor and hey sent proof of the inquiry to be deleted but yet the company has failed to comply with my request and have no proof and supporting documents that the inquiry is not mines.
Product: Checking or savings account

Wells Fargo bank has stolen {$590.00} from me. A check was deposit XX/XX/XXXX for my daughters social security I had taken a screenshot of my account the XXXXXXXX XXXX XXXXXXXX because I frequently do that to keep up with the funds in my account that will be coming and going. The amount was deposited the XXXX XXXX XXXXXXXX which was a holiday weekend and was pending which it is always deposited in a Saturday and never pending. Once all of my pending charges where finalized the following Monday the check amount was just no used from my daily ending balance and disappeared into thin air. After going to the bank XXXX XXXX and reporting fraud they decided I was wrong because it was listed in XXXX and white what I purchased all month even though I had screenshots of my balance prior to the check and numbers dont lie if I take that amount and add and subtract all my purchases from that time XXXX still missing exactly {$590.00} to the XXXX
Product: Credit reporting or other personal consumer reports

Unfortunately, Im a victim of identity theft. I provided the Credit Bureaus an FTC Affidavit giving notice to remove these accounts and also requested a fraud alert be added to my credit report. The credit bureaus have refused to remove these fraudulent accounts. I have no knowledge of these accounts and requested the Credit bureaus provide me with information regarding their decision. They are violating my consumer rights by refusing to provide me with the requested proof they used to make their erroneous decision. I have no knowledge of the following accounts which should be removed from my consumer credit report : 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 The credit bureaus are not actually doing their lawfully required due diligence to verify that these companies actually have lawful proof of these alleged debt accounts. After speaking to the credit bureaus, it appears that they are simply asking companies to verify if my information matches their records. This is not a true investigation. If someone has stolen my personal information and used it to open an account then its obvious that my information would match. The credit bureaus are causing me extreme emotional stress and hardship due their unlawful practices.
Product: Debt collection

I have ask this company to send me a validation of debt but I have yet to receive one so I dispute thru the credit bureaus instead and they proceeded to place the same debt back onto my credit report twice. This company is so unprofessional and a complete fraud and do not know how to conduct business correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have had an auto loan with XXXX XXXX XXXX for years now. I have finally paid off the account in full ; with {$180.00} late fee balance remaining. 

However, XXXX has inaccurately reported the account negatively to the credit agencies when there is {$0.00} principal balance. I request they update the credit reporting to show paid as agreed and paid in full. I also request they waive the late fee balance due to the inaccurate credit reporting. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accuracy of this charged off account ( XXXX  # XXXX ) reporting inaccurately multiple months after an account was closed. Re-aging a charged off account is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

According to the FCDA section 623, This is illegal. Once an account is closed the clause states that it can only reflect charged off or late UP TO the date that the account was closed. Therefore you are reporting Inaccurate information. Not only are you reporting unlawfully and illegally, you are also tarnishing my report that I will be seeking damages for if this problem isnt fixed. The Bureau needs to provide me with copies of all documentation associated with these public record accounts bearing either a court order to place this information on my report or my authorization of release bearing my signature. 
By the provisions of the fair credit reporting act, I demand that this item be investigated and REMOVED from my credit report. 
It is to my understanding that you will recheck these items with the creditor who posted these items. Please send me a copy of my credit report XXXX  # XXXX
Product: Debt collection

XX/XX/XXXX-XX/XX/XXXX PORTFOLIO RECOVERY ( not licensed in NC where I live ) have repeatedly called me, over and over for years, I requested them to not contact again- they use every number under the sun. They state I owe money which I have asked for documents, they will not provide, I have asked for proof, they will not provide- they continue to report 4 accounts on my credit files and these accounts are not proved to be mine. I am fed up
Product: Debt collection

I'm disappointed by your failure to remove fraudulent accounts from my credit report despite confirmation of identity theft and assurance from the associated bank. This violates the Fair Credit Reporting Act. I demand immediate deletion of the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 confidentially under 15 USC 1681 XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX I truly have no knowledge of this account however i did dispute this account never recieved a response. This is very damaging to my credit i would deeply appreciate if this account will be removed as soon as possible. XXXX XXXX credit card XX/XX/XXXX XXXX i used this credit card company to build my credit i used my own money when i told them i wanted to close this account they did not they continue to put late payments on my account which is incorrect i asked them to send me my money back they never did however i could careless about they money i just want this item removed from all three credit reports i would deeply appreciate it so i can start rebuilding my life and credit so i can make a better life for my family thank you for your time. 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting company can not furnish a account without my written consent 15 USC 1681 S- ( a x1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any resonable cause to believe that the information is inaccurrate. So im asking to please remove both accounts from all three credit report agencies i would deeply appreciate it. Thanks for your time
Product: Credit card

On XX/XX/XXXX, I called Chase customer service to check if I could use the XXXX XXXX credit card immediately upon approval. They told me I could use a virtual credit card by adding it to my XXXX or XXXX XXXX wallet. Based on this information, I applied for and was approved for the card. However, I later found out that I can only use the virtual card after receiving the physical card, because a physical card is needed to create a Chase account. As a result, I now have to pay extra fees for checked bags, which defeats the main reason I got this card : to get free checked bags.