23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/XXXX, a friend of our family purchased two {$300.00} Vanilla gift cards from a XXXX XXXX XXXX XXXX XXXX He gifted those cards to my parents. They were able to activate one card online, and the other was giving them errors. I contacted Vanilla/Incomm customer service on XX/XX/XXXX to start the investigation into why the card was not working. I was told someone else had already contacted customer service to report this card missing, and they were having a new card sent to them. 
On XX/XX/XXXX, I sent Vanilla/Incomm every piece of information they had asked for, including the receipt for the purchase of the card. I waited several weeks and heard nothing from them. I called again on XX/XX/XXXX, and was told the investigation would now take up to 90 days. I received no communication from them at any time. 
I called again on XX/XX/XXXX, and I was told the investigation was closed and I was being denied because they could not recover the funds that had been spent, and therefore I was due no refund. I questioned how them not being able to retrieve funds caused me to be out my {$300.00}, and the representatives were not able to provide me with an answer. I also asked how is it that I was able to provide everything they asked for, and yet, I am not due a replacement for my card, while someone else who did not have the proof of purchase was able to call in and get a replacement sent to them? Again, no answer was able to be provided to me. 
I would like to know what the investigation actually looked at, and what was found. I was not asked for any further information to assist in the investigation. I followed every step I was given and I was not given any communication or help from Vanilla or Incomm. When I asked to reopen the investigation I was told I could only do so via an email to XXXX. I have sent emails on XX/XX/year>, XXXX XXXX XXXX XXXXXX/XX/XXXX. I also emailed XXXX  ( a contact I found online ) on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have received no replies. Calls to customer service only direct me to send another email and wait " a few more days. '' I would like my {$300.00} back from this company
Product: Debt collection

THIS IS NOT A DUPLICATE On XXXX NATIONAL CREDIT SYSTEMS INC on behalf of XXXX XXXX reported a collection in my credit report. This report is based on inaccurate information provided by the original creditor regarding apartment damages. The original creditor used a document dated XX/XX/XXXX to support a narrative of alleged damages. ( See Attached Document ) On XX/XX/XXXX my property was moved out of the apartment and myself and the property manager did a walkthrough inspection of the apartment, and no damages was mentioned or found. There was no documentation provided during the time of the walkthrough reflecting any damages. On the other hand, the original creditor generated a SECURITY DEPOSIT RETURN FORM dated XX/XX/XXXX. ( See Attached Document ) alleging damages to a cabinet. The original creditor also generated a move out letter dated XX/XX/XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( See Attached Document ). My address during this time was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( See Attached Lease Copy ).
Product: Credit reporting or other personal consumer reports

It says i opened the account XX/XX/XXXXXXXX  i certainly did NOT. I sent this letter out as well and asked the company to verify and show my signature and they could not. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ID. XXXX XXXX, XXXX, XXXX Experian Information Solutions , Inc . 

Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 



I am disputing the following account : Creditor Name : XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Balance : {$6200.00} Date Opened : XX/XX/XXXX Account Status : Closed Remarks : Placed for collection This information is inaccurate and/or unverifiable. I request that Experian : 1. Conduct a thorough reinvestigation of the listed account.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 



Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 



If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 



Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 



Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

In regards to my Bank of America debt owed # XXXX with a balance of {$3800.00}, I have been trying to settle this account for some time now. I have been paying a small monthly payment over the past year to slowly pay on this account but now that I am trying to purchase a new home, I need to settle the remaining balance. My credit shows that I owe the {$4800.00} amount but I have made just over {$1000.00} in payments so i know this amount on credit is inaccurate. When trying to discuss the a settlement agreement, they state that the file is has " not been marked for settlement '' at this time and I would need to pay the full amount owed. They quote an amount that includes the monies that I have already paid thus trying to make me pay more than that is owed. This has to be illegal.
Product: Money transfer, virtual currency, or money service

I saw a hot tub on XXXX XXXX XXXX. I chatted with the seller. I decided to take a look at it. The seller requested a {$500.00} hold for the item because they " had several people wanting to look for it. '' They requested a payment through PayPal through a Friend Account to transfer the money. 

I fell for it and paid the money using my XXXX Credit Card to put a hold on the hot tub. As soon as I submitted the money, I could tell it was fishy because the name of the seller ( XXXX XXXX XXXX ) was different than who I was chatting with ( XXXX XXXX ). Plus, the person on the other end kept erasing their conversation. Luckily, I took a screenshot of the product. 

I immediately got a hold of PayPal. Even though this is a common scam, they would not put a hold on the money. 

I filed a complaint with XXXX XXXX  ( Case ID : XXXX ) but received a letter notifying me that because I used the " Friend and Family '' option, I am responsible for the loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$640.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$940.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 11 XXXX XXXX XXXX  Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Product: Student loan

I called Navient on several occasions to lower payments based on my income and was pushed off making it so my loans went into a past due state which not only affected my credit score but also my cosigners. They also sky rocketed my interest rate from 7 % to 10 %. They also called me upwards of 4 to 5 times a day even though I expressed to them several times I needed to change my payment or defer it until I could afford what they wanted me to pay and they told me that was not an option.
Product: Credit reporting or other personal consumer reports

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

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

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I disputed an inaccurate item on my credit report with [ Experian ] on [ XXXX XXXX XXXX  ] under my rights granted by 15 U.S.C. 1681i, which requires a timely investigation. Despite providing supporting documents, the bureau failed to properly investigate or correct the inaccurate information within the 30-day period required by law. This violation has caused financial harm, including denial of credit, increased interest rates, emotional distress, etc. 
I trust the CFPB will take appropriate action to ensure compliance with federal law and protect consumer rights. Please provide an update on the status of my complaint as soon as possible. I can be reached at XXXX for any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XX/XX/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
Product: Debt collection

I made payment arrangements on XXXX XXXX Calls started up on XXXX XXXX I returned one call to explain payment arrangements were made. Supposedly it was n't documented correctly and she fixed it. I received another call. She said she would make sure the number was removed and it would n't be a problem again. A third call was made- again the claim that it was not documented correctly. This is harassment. I owe less than {$260.00} and said I make the payments until the debt is settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter written to all 3 credit bureaus XX/XX/2023. XXXX, XXXX and Trans Union. 

Dispute : Accounts written off with the IRS is considered ordinary income and now canceled debt, 1099c. Advised that I never received the 1099c for any accounts that were charged off and to please provide proof of documentation if so. These accounts are inaccurate and still furnishing on my credit report. The companies have filed it on their taxes as a loss and is still reporting it on my credit report as debt. I asked to be provided proof of accuracy of these reportings and delete for inaccuracy of accounts. Violation code 15 usc 1681e ( b ), 15 usc 1681n, 15 usc 1681o. 

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Accounts furnishing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are fraudulent inquiries in my report that are affecting my score. please remove them as soon as possible. 

XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime during the 4th quarter of 2021, I assisted my father in paying off his Credit Card with Sears/CBNA as hXXXX wanted to close that account and switch to a new lender. While my father and I were on the phone wit a Sears/CBNA rep trying to pay off his card with my own credit card from a different lender, the rep asked my father if it was okay for me to make payments to his card and my father said Yes. We were not under the impression that I was going to be an authorized user of the card and that I would have my own credit card with my father being the main account holder. We were under the impression that my father saying yes to the rep meant that I could pay for his Sears/CBNA card with my own card. My complaint is that there was no clear understanding of what it meant when my father said Yes over the phone. As I checked my XXXX Report, I saw the Sears/CBNA credit card on there showing that I had an account with them when in fact, the 11 years that my father had this card, I never did use. I filled an initial dispute with XXXX about this. The results stated Sears/CBNA said there was nothing wrong with that. I then contacted Sears/CBNA to have them remove it, and that rep said there was nothing in my name. I called XXXX back to share what Sears/CBNA told me over the phone and then filled an additional dispute with an XXXX Rep. Again, this 2nd dispute came back and said Sears/CBNA said there was nothing wrong. I have 2 different credit cards of my that I already have in my own name. All I am asking is if Sears/CBNA can be taken off of my Credit Report as I never did use it in the 11 years that my father had that credit card.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$63000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$63000.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$59000.00}.
Product: Credit reporting or other personal consumer reports

I WANT ALL INFORMATION AND ACCOUNT REMOVED!!! I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT, I HAVE BEEN UNEMPLOYED FOR ALMOST TWO YEARS, NO CAR, NO HOME OR RESOURCES AND UPLIFT HAS CAUSED ME HOMELESSNESS, NO CAR, NO RESOURCES AND NO EMPLOYMENT, ETC. THEY HAVE BEEN WARNED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, Equifax has violated my rights. They appear to have modified the public record they are maintaining with intent to cause me financial ruin. As of today, they are in violation of the following : 15 USC 1681 Section 602A : Consumer has a right to privacy 15 USC 1681 Section 604A Section 2 : CRA can't furnish information without written consent 15 USC 1681s-2 : CRA continues to report with actual known errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXXBalance : {$400.00}, XXXX XXXX Balance : {$140.00}, XXXX XXXXBalance : {$1200.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$710.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXBalance : {$1600.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$690.00}, XXXX XXXX XXXX  Balance : {$540.00}, XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00}, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card

A balance transfer payment was made initiated on XX/XX/year>. CapitalOne holds balance transfer payments for up to 14 business days. The available credit that would become available upon applying the balance transfer payment to the account is not available until after the hold ends. CapitalOne then deceitfully shows a reduced balance on its web site even though the payment has not been applied and the credit is not available. Consumers are left thinking their balance has actually gone down when it has not, and proceed to make important, critical business and personal decisions using this information, incurring financial loss at times. On XX/XX/year> upon calling CapitalOne and speaking to XXXX XXXX to try to find out why the balance show on the web site was reduced, I was told nothing can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consistently monitoring my credit score through Experian. I paid my balances on credit card even before the due date to make sure that my credit score would go up. My score on XX/XX/2022 was still XXXX. I was hoping to increase it more since I've paid all my credit cards. However, when I checked it last XX/XX/2022 I was surprised to see my credit score went down to XXXX points. It went down to XXXX ; hence, instead of having a good credit, it became on the fair credit margin. I tried contacting Experian over the phone but there was no response, and there was only an automated operator giving prompt and redirecting me to another automated operator. I called them 4 times to speak with their representative but they do not have anyone to explain why my credit score went down. I hope you could investigate this case because I've been trying so hard to get my credit score to go up, but their report doesn't seemed accurate.
Product: Student loan

The account XXXX XXXX has been calling me everyday, along with others. During work at XXXX pm at night and I have told them I was willing to pay and send a money order in. She is not excepting that since she stated that it is policy that they have 15 pre-stated payments set up from a bank account. I told her that I do not have money to keep one open and that I would send a money order from a bank and email a copy of it before I send it. I also asked her about the person who called me at XXXX pm and she stated that there was no record of that at all. I told her that it happened 4 times and that I have the number that called me in my phone. I picked up her call on Friday XXXX and she did nothing but harass me talking over me to listen to her after I asked her about what she was going to do after I send a payment of about {$34.00} and she stated that she needs a bank account or I need to buy a prepaid card and load my paycheck on it and call back to set up the 15 payments to come off every month after my paycheck was added to it. I told her that I can pay about {$110.00} a month and that I would send it at the end of every month. She stated that I needed to pay over {$200.00} nothing else is acceptable. I also told her that I received a letter stating that if I do not arrange something I can not use payment program which they wo n't let me use, my balance will be due in full immediately, they are taking legal action, and they may report the default. I did look on my credit and they reported it months ago which they say in the letter that they may due but in fact, they have already done. I am tired of getting calls all hours of the day and it seems if they do something wrong calling they delete the history. 
If any documents are needed I will send them upon request since there is information that is confidential.