23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been since the XXXX of XXXX been trying to get back my funds that were stolen from me. Someone used my stolen phone to access all my accounts and take them over. Chime denied my dispute. However new information has been provided and I expect to get a provisional credit while the investigation goes on. Closing the investigation in one day is not going to work for me. I am protected by federal law and visa along with chime all said they had my back with zero liability so they need to own up to it and help me. The merchant XXXX  and XXXX  appear to be helping but I still have not gotten my stolen funds back. I have provided an update with all the information I had. I corrected the misinformation that was given by the person who had my phone and also myself also due to the fact I was given misleading information that lead me to not figuring out who it was. Ultimate I told chime to continue with the dispute that I cant figure out whom did it and they just denied me anyways in less the 24 hours. That is not good enough. I want my funds back. Im not liable for this.
Product: Credit card or prepaid card

I received a Vanilla Gift card as a form of payment from a customer. Every transaction has been declined. The card balance has been verified. I have had this problem often with this particular gift card company numerous times in the past XXXX  months. Their customer service is non-existent. I have called every number listed for them. I end up on hold for XXXX minutes every time I have called. No one Ever answers. This company has been nothing but problem after problem. And then prevents and/or ignores any attempt to get help from them. I am frustrated and feel ripped off And deceived by Vanilla Gift. Please help. Thank You.
Product: Prepaid card

In XX/XX/2023, I received XXXX gift cards as a gift, which were not properly activated at time of purchase. I called the customer service and they gave me instructions to send in documentation so they could activate the cards. 

In early XXXX, XXXX, I submitted all the documentation required for them to review this issue and to activate the cards. 

In XXXX, I received an e-mail from the companay stating that the cards had been activated. However, when I try to use them I am told they are not activated. 
And, when I try to check the balance of the cards on mybalancenow.com I get a " system error '' message. 

I have now called the customer service number more than 6 times since XXXX. Each time they look up the case number tell me that they will elevate this request so that this will be fixed in XXXX hours, and each time nothing is done. 

I have now had {$400.00} in useable gist cards for 4 months, and its clear to me that this will not be handle properly or promptly by the company.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

Account : ( XXXX ) XXXX XXXX XXXX Account number XXXX. 
Account : ( XXXX ) XXXX  Account Numer : XXXX XXXX ) Account : XXXX  XXXX Account Number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am compelled to write this letter to formally contest the legitimacy of certain accounts erroneously attributed to my credit profile. These accounts unequivocally belong to another individual, and despite my diligent and repeated submissions of all requisite documentation, your bureau has failed to rectify these inaccuracies. This oversight not only impugns my financial reputation but also represents a flagrant disregard for the verification protocols mandated under the Fair Credit Reporting Act ( FCRA ), specifically Section 611. Upon the initial detection of these spurious accounts, I promptly initiated disputes, substantiated by detailed evidence and identity verification documents. Despite this, the accounts continue to tarnish my credit report. The persistence of these inaccuracies suggests a gross failure to adhere to the stringent verification procedures outlined in the FCRA. Section 611 of the FCRA obligates credit bureaus to conduct a meticulous investigation of disputed information within a 30-day timeframe, verifying the accuracy of the contested information. Should the bureau be unable to substantiate the legitimacy of the disputed accounts, they are required by law to expunge such information from the consumers credit report. The continued presence of these accounts underscores a severe dereliction of this statutory duty. In light of the above, I demand immediate and unequivocal action to rectify this situation : Expunge the accounts from my credit report without delay. 
Provide a detailed account of the verification process undertaken for each disputed account, including specific methodologies employed and any communications with the creditors. 
Issue a written confirmation that these accounts have been removed and that my credit report has been amended to reflect the accurate information. 


XXXX CARD SERVICES XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$960.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$750.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

ON XX/XX/2023 I RECEIVED A CALL FROM UNITED COLLECTIONS BUREAU IN REGARDS TO SEVERAL ACCOUNTS THAT I ALLEGEDLY OWE IN MEDICAL DEBT. FOR ONE I NEVER RECEIVED ANY PAPERWORK OR ANY LETTERS IN REGARDS TO THIS DEBT FROM UNITED COLLECTIONS BUREAU. I NEVER RECEIVED THE RIGHT TO DISPUTE THIS DEBT OR ANYTHING LIKE THAT. I NEVER RECEIVED ANY LETTER IN THE MAIL STATING MY RIGHT TO DISPUTE THE DEBT. I SPOKE WITH A REPRESENTATIVE NAMED XXXX ; I ASKED XXXX TO VALIDATE THE DEBT IN WHICH HE DENIED STATING THAT HE WAS NOT ABLE TO DO THAT. HE STATED THAT HE WAS UNABLE TO PROVIDE ME WITH ANY INFORMATION THAT WOULD VALIDATE THE DEBT. HE STATED THAT I OWED THE DEBT AND THAT I KNEW I OWED THE DEBT. 
I REQUESTED SEVERAL DOCUMENTS THAT ARE REQUIRED BY LAW TO VALIDATE THIS DEBT, SUCH AS THE ORIGINAL CONTRACT BETWEEN MYSELF AND THE CREDITOR, PROOF THAT UNITED COLLECTIONS BUREAU WAS LEGALLY ALLOWED TO PRACTICE DEBT COLLECTION IN THE STATE OF OHIO. THE REPRESENTATIVE TOLD ME THAT HE HAD NONE OF THIS INFORMATION AND THAT HE DOES NOT HAVE TO PROVIDE THIS INFORMATION TO ME. 
THIS COMPANY CALLED ME THIS AFTERNOON AND I NEVER ONCE RECEIVED ANYTHING PRIOR TO THIS COMPANY CALLING ME IN REGARDS TO THIS WITH THE RIGHT TO DISPUTE THIS ALLEGED DEBT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  antemeridian and before XXXX XXXX  postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Debt collection

I.C. System is sharing my nonpublic personal information with non affiliated third parties XXXX XXXX XXXX XXXX I.C. System does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECEIVED A LETTER FROM CHASE BANK ABOUT A TENTATIVE TO APPLY FOR DEBIT & CREDIT CARD USING MY PERSONAL INFORMATION. 
I ALSO USE XXXX, WHICH HAD SOME FRAUD ALERTS. 
I AM WORRIED MY IDENTITY IS BEEN USED TO GET CREDIT CARDS & CHECKS UNDER MY NAME. 
I WOULD LIKE TO ADD AN ALERT TO PREVED ANY USAGE OF MY INFORMATION.
Product: Credit reporting or other personal consumer reports

I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXXXXXShowing derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX XXXXXXXXshowing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXX Requested method of Validation and proof of negative information or delete from report. XXXX XXXX XXXX XXXXXXXX XXXX DOES NOT report this information to any credit reporting agencies.
Product: Bank account or service

I managed a Trust Account through SunTrust Bank ; the Trust Account was established in XXXX XXXX. XX/XX/XXXX, the account was compromised when a check was intercepted and the original payee changed. I reported the fraud to the bank and XXXX XXXX XXXX, Personal Banker, was very helpful throughout the process. I requested that the old account be closed and a new account opened on XXXX XXXX, XXXX to avoid any future fraudulent activity. 
I submitted the same documents when I opened the original account to the Trust Department for review. Upon reviewing the document, they requested proof that the Will has been probated. I submitted the final document I received from the Orphans ' Court for XXXX XXXX County, Maryland. This document was also rejected -- now perplexed, I called the attorney whom probated the Will and was instructed to submit the original Letter of Administration from the State of Maryland and was further instructed to inform the bank that probate in the State of Maryland is not settled under seal, therefore, no court seal exits for the final accounting of the estate. I submitted same to the bank on XXXX XXXX, XXXX and got the manager of the branch involved in the matter. I received a called from XXXX XXXX this afternoon notifying me that the Trust Department rejected the information presented and that they are closing the new account and transferring the funds back to the original account where the fraudulent activity occurred. They refuse to speak with my attorney.
Product: Debt collection

On XX/XX/2020 I was informed by my real estate agent that there was a collection on my credit report that resulted in me being considered a risky tenant and that I would now need a guarantor due to the impact of this collection on my credit report. On XX/XX/2020 I contacted XXXX to file a dispute and reached out to Southwest Credit Systems to investigate the alleged account further. The account was listed as being opened XX/XX/2020 and was in collection for 30 days for the original amount of {$26.00} and was now at {$33.00}. However, I was never contacted by the company about the alleged account. When I called Southwest Credit Systems I was not notified of my rights, but they asked for personal information to retrieve the account, which they were unable to locate. I gave them identifying information that they should have had on file, yet they could not find the alleged account that was showing on my credit report and now costing me unnecessary hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OFEDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXXDEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX
Product: Debt collection

This company called LVNV is reporting on my credit profile and I do not have and contractual obligations with them. I have contacted several times about validating this debt that they say that I owe them. They have contacted relatives and they have contacted my employer stating that they are looking for me saying that I owe them. This is violation of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times collection accounts with Experian, XXXX XXXX XXXX  that I am longer liable for, these accounts have been bought therefore I am no longer liable. They refuse to remove them from my account.
Product: Mortgage

I made application for a rate and term refinance the early part of XX/XX/XXXX with Loan Depot. I requested specifically to have my rate float during the process of the loan until the full approval was extended. I wanted to lock the loan no less than 5 days before closing to get best pricing. On XX/XX/XXXX, I get a phone call from the company indicating that they would reduce my rate by .25 % for the fix rate mortgage ( Because the company was great and I should be appreciative ). I said my request was 10/1 ARM with a float ... why would I want a fix and why my loan was locked? They disconnected the call immediately. I called the regional office to get an answer and they indicated someone from the complaints department would call me. XXXX called and left a message ... I returned his call, but he was gone home. He did not called back the next day. I called back the regional office and they are not able to discuss the rates and costs with me. The company via intimidation wants the consumer to take their higher rate and their highest costs. The disclosures received were for 10/1 ARM with a float. I never agreed to have a fixed rate mortgage and never agreed to lock the loan at the highest price. The market conditions changed and the rates have decreased. Loan Depot does not want to give the consumer options. As a knowledgeable consumer, I can not let them abuse consumers with less knowledge. This company is not following Federal Regulation and they are not giving the consumer the best options.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

US DEPARTMENT OF EDU - XX/XX/year>