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

I received a XXXX  XXXX  XXXX  for XXXX for {$200.00}. When I tried to use it, the money wasn't there. I called the Visa Card Customer Service XXXX, found out where the charge was made, and called the department store. Someone made an online purchase for the full {$200.00} then picked up the merchandise at the store location. Their identity is unknown. I immediately called back the XXXX  XXXX  XXXX  Service number to make a report. They then instructed me to fill out a Card Holder Dispute Form, email it in, and I would get refunded the money back on my card. It's been 6 months and they never placed the money back on my gift card like they told me they would. I have attempted to call them, and email them multiple times without a response, and NO REFUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

Minnesota XXXX XXXX child support has an account that i cant access, became secondary and ive been making payments on my child support but its not reporting it correctly. ive been paying child support thru the XXXX  child support log in account. ive tried calling and nobody has an answer on how i can pay for both child support cases thats under XXXX child. im paying the stepfather and mother but only the mothers dont get reported .... its hurting my credit score i had 100 % not long ago. now because of the wrongfull reporting i look really bad. i really have been paying my child support you can look it up. child support is not reporting correctly and they told me that they cant do nothing about. im paying my child support and the system says no data or ive missed XXXX payments? im trying to understand why? this is my first time ever complaining and im XXXX old please anybody
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX - {$0.00} Personal Information Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$94.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}, XXXX XXXX XXXX Balance : {$17.00}, XXXX XXXX Balance : {$4700.00}XXXX XXXX XXXX XXXXXXXX Balance : {$48000.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, On XX/XX/2020 I made a purchase from the company XXXX XXXX XXXX in the amount of {$1100.00} for a swimming pool and a swimming pool liner. On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX XXXX saying my order for the pool was cancelled and I would be receiving a refund. It was not in stock due to COVID-19. I did receive one piece of my order so the refund would be {$1000.00} for the swimming pool. 

Some time passed and XXXX XXXX XXXX wasn't able to tell me when I would receive the refund. They stated their refund department was backed up and they didn't know when they would get to it. Due to the uncertainty, I filed a dispute with my bank to assist in getting the refund. I did this on XX/XX/2020. 

On XX/XX/XXXX and XX/XX/XXXX, I faxed a questionnaire to PNC Bank as they had requested. I included the questionnaire, a receipt of purchase, and the email from XXXX XXXX saying my order was cancelled. I did not hear from PNC Bank until the beginning of XXXX when I received a letter saying they denied the dispute. I called to ask why the dispute was denied, and they stated that they didn't receive the paperwork. I have the fax receipts showing they were delivered. 

On XX/XX/2020 I called PNC Bank to dispute the transaction again as they have taken the money back from my account. Since then, I have not been able to get any information concerning my dispute. When I call to check on it the only response I get is it is in process. At this point I have not received any paperwork or followup from PNC Bank.
Product: Checking or savings account

Dear Sir or Madam, I hope this message finds you well. I am writing to express my concerns regarding a refund from a closed account with Chase Bank. 

On XX/XX/XXXX of last year, my checking account was unexpectedly closed by Chase. I was not provided with any explanation for this action. Following the closure, I contacted their customer service and visited the bank in person on four separate occasions. Each time, I was informed that no details could be provided regarding the reason for the account closure. However, I was assured that the remaining balance of approximately {$900.00} would be refunded within one month. 

In XXXX, I received a statement confirming the closure of my account. Despite this, it has now been over five months, and I have yet to receive the promised refund. I have made several attempts to contact the bank, both through phone calls and in-person visits. Each time, I have been told that the refund is being processed and to patiently await its arrival. 

This delay has placed me in a precarious financial situation, as I am relying on these funds to pay my rent for the upcoming month. I kindly request your immediate attention to this matter and would appreciate a prompt resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX
Product: Debt collection

I received a letter from National Enterprise Systems ( NES ) dated XXXX XXXX XXXX stating that I owe a debt of {$11000.00} to a creditor with which I do not have any debt nor account. I immediately replied with a letter stating that NES was mistaken, the debt was not mine, and I requested validation. NES responded with a letter dated XXXX XXXX XXXX and a copy of a barely legible judgement from a court in state in which I have never lived and provided no evidence that the debt belonged to me. The amount due was also increased to {$11000.00}. A search on the Internet reveals that there are many people with forms of my name and approximate age. This is a case of mistaken identity.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Robinhood LLC is holding my money in their app and is trying to force me to invest more before closing out my account. I lost only XXXX dollars in XXXX trading and I am trying to withdraw my money for college tuition. The deadline is XX/XX/XXXX and I have been trying to withdraw my money for a month. I sold all of my holdings, and due to a failed transaction I can not receive my money even though I do not owe them. I have already deposited another XXXX to " settle '' my account but I have over XXXX in withdrawal funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I have had some issues with someone accessing my credit file and using mypersonal information and at this time I would like to request a credit freeze/ Block all accessto my file and contact me directly at my phone XXXX or email me XXXX. I need a PIN for all my credit reports asap. 
I found some incorrectaccounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3.XXXX # XXXX 4XXXX # XXXX 5XXXX XXXX # XXXX 6XXXX # XXXX 7XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX 9.XXXX XXXX  # XXXX THERE ARESEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASEDELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX, OH XXXX
Product: Bank account or service

I have fr previously submitted a complaint XXXX. The response from Chase bank was n ot what I had wanted. I want a detailed investigation as to photo status of the alleged credit card that I am alleged to have on XX/XX/XXXX am XXXX XX/XX/1994. What yhis did I buy with this card.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my dissatisfaction with the handling of my XXXX XXXX order ( # XXXX ) placed on XX/XX/2024, and charged at $ XXXXThe order was shipped via XXXX  ( tracking # XXXX ) on XX/XX/2024, and marked as delivered on XX/XX/2024, at XXXX XXXX Despite extensive searches of my premises, including inquiries with neighbors and building management ( XXXX XXXX package office ), the package remains unlocatable.Upon contacting XXXX, I was advised to file a claim with XXXX. However, XXXX informed me that the responsibility lies with XXXX as the shipper. Repeated calls to XXXX over the past XXXX weeks have resulted in a series of delays, conflicting information, and ultimately, no resolution. I have been given XXXX case numbers ( # XXXX, # XXXX, # XXXX ) with no tangible progress.As of today, XX/XX/2024, I have not received the XXXX XXXX I purchased, and the issue remains unresolved despite multiple attempts to engage with XXXX 's customer service. I placed the order via Affirm ( Load ID XXXX ) and I placed a dispute regarding the order with Affirm since I DID NOT receive the order. But they ruled in favor of the merchant ( XXXX ) even when I haven't received the order from XXXX. I do not understand why I have to pay for an order which I did not receive? 
I have paid {$720.00} to Affirm for the order including interest charges and as I write this message, they are charging me money for a product that I never received.
Product: Credit reporting or other personal consumer reports

I open an installment account with sunlit and I was not instructed properly about payments schedule and my mail got to me late and caused me to make a late payment I try to get it removed or work something out with the company after I made that mistake auto payments have stated and I have not made any late payments. I request that late payment to be removed since is affecting my credit tremendously and I am a single mother trying to get better housing for me and my kids but due to my credit score reporting a late payment been very difficult
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX
Product: Debt collection

Hello, I am writing to clarify my previously filed complaint XXXX against National Credit Systems ( NCS ). While the attached document NCS 2.pdf demonstrates that the company did attempt to intimidate me, I believe the more salient point is that my security deposit from XXXX XXXX XXXX  was not applied towards the alleged charges. Furthermore, the alleged debt itself was improperly dated by NCS, and the bathtub charge is wholly erroneous. 


Upon the termination of my lease with XXXX XXXX XXXX ( a property of XXXX XXXXXXXX ) on XX/XX/XXXX, I met all the conditions for the return of my security deposit. However, the deposit has not been returned, and I have received no explanation for its retention. The 30-day window required by Texas Property Code Section 92.109 has long since passed. The manager, XXXX XXXX, has ignored my request for its return. 

NCS contacted me on XX/XX/XXXX regarding an alleged balance. The bathtub resurfacing fee is erroneous, and the electricity charge should have simply been deducted from my security deposit. Additionally, this balance was dated XX/XX/XXXX yet not recorded in XXXX XXXX XXXX 's system until nearly a month later. Please see the attached document NCS 1.jpeg stating As of XX/XX/XXXX you owed : {$400.00} and compare it with the bill from TXXXX XXXX XXXX  XXXX XXXX showing the charges as having originated in their system on XX/XX/XXXX. Moreover, this bill shows a blank space for my security deposit, and shows " {$0.00} '' for deposits held. 

I have disputed this debt and requested accurate verification ; in response, NCS only sent me a letter ( NCS 2.pdf ) dated XX/XX/XXXX, containing vague threats of reporting the debt to credit agencies without a specific payment deadline. Following my initial complaint to the CFPB on XX/XX/XXXX, NCS has offered a " 50 % discount '' on the alleged debt ( NCS 3.pdf ), which was authorized by XXXX XXXX XXXX. Finally, on XX/XX/XXXX NCS merely re-sent the original erroneous bill as well as a copy of my lease, as a response to complaint XXXX. This copy of my lease ( XXXX XXXX ) fails to document my security deposit, as evidenced by the blank space after Security Deposit : on the top right of the first page. The final bill ( XXXX XXXX ) showing a blank space for my security deposit and " {$0.00} '' for deposits held conflicts with condition 13 on page 3 of my lease, which demonstrates that my lease required a security deposit.
Product: Debt collection

I am a victim of identity thief and recently pulled my credit report and discover fraudulent accounts I did not open reporting on my credit profile. I have requested information from the creditor whom had an account with and was denied because the account information did not match with the credentials provided. I have requested contract and credit application bearing my signature and given authorization from me to publish obtain my credit profile. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

Regarding my recent review of my credit report, I identified several discrepancies that require immediate attention. Notably, there are accounts listed under XXXX XXXX XXXX  and XXXX XXXX XXXX  that do not belong to me. These inaccuracies constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 Sections 602, 604A Section 2, and 1681a paragraph 2 subsection I.

These inaccuracies have the potential to adversely impact my creditworthiness and financial standing. Therefore, I request a thorough investigation into the reported accounts and personal information discrepancies. Additionally, I seek immediate correction of the inaccuracies in the reported accounts, including removal of those accounts. 

I urge prompt action to rectify these issues and ensure compliance with FCRA regulations in the future. Please provide a written confirmation detailing the corrections made and the actions taken to address the violations of the FCRA.
Product: Credit card

Good Morning : On XX/XX/XXXX I received a letter from Target Red Card Services saying that I hadn't made a purchase in awhile roughly 8 months with a XXXX balance on my card. Last purchase was on XXXX 
The letter stated that if I didn't make a purchase in a few months they would send me another letter reminding me of their closure policy and to allow me to make a purchase to keep the card open and my credit limit of {$4300.00}. 
On XX/XX/XXXX I had made a purchase then hand second thoughts cancelled the purchase and the remade the purchase. I ran into a problem which was finally revealed that my credit limit had been reduced by {$3300.00} and that I needed to get a XXXX to release the cancelled amount to make my purchase. 
On XXXX I sent an email to the XXXX heads of Target letting them know that I was an infuriated customer and that I expected to have my credit limit put back to {$4300.00}. 
I have heard nothing until today when on XX/XX/XXXX I received a letter dated XX/XX/XXXX that basically they were not going to nothing. Sorry, to bad nah nah nah. 
Here is the problem in their letter on XX/XX/XXXX they stated and I quote " If there is no new activity in the next few months, an additional correspondence will be sent to you to remind you of our account closure policy, prior to any action being taken. As a reminder your credit limit is {$4300.00}. '' End quote. 
the problem is that they did not send me a reminder letter and on XXXX they reduced my credit limit. That in turn hurt my credit score, and my credit rating. 
I called Target Rec Card Services the evening of XX/XX/XXXX and talked to a supervisor, who at first I was nice to and then progressively became verbal with because they made the mistake and caused me to have my credit reduced and as I stated to the supervisor, respect gets respect and I felt I wasn't going to or did I get any respect. So none given in return. Ask for the recording that was placed at XXXX XXXX XXXX XXXX  ) and lasted for XXXX Minutes.
Product: Checking or savings account

Bank Of America once again STOLE {$500.00} from my account. I deposited a XXXX XXXX Money order in my account and Bank Of America accepted the deposit but then debited my account. They just say refer to Maker, I contacted XXXX XXXX but they say it is a Money order and was paid and they can not reissue the money order. This is not the first time it happened with Bank of America and unfortunately the only way these crooks refund the money the steal from us is by filing this complaint. Their toll free number is part of their fraud while you hold for long time and then they say they can't do anything. 
Attached is sufficient information to confirm that Bank of America Stole this money and as always they will delay the answer for a while the send a computerized answer and then refund the stolen money. I believe this criminal practice should be investigated as Bank of America has doe it to me before and probably there are more victims of these XXXX.
Product: Debt collection

Received a call from Np Group, stating I faulted on an online loan back in 2012. They told me my full social security number which I did not give to them and I tried to tell them I have never received an online payday loan. XXXX to a XXXX he hung up on my then spoke to a XXXX first time she hung up on me second time she said she can not give me any information by mail only online. I told her I do not due any business via online so she said she will contact cpap investors and note the account as unwilling to pay. This is a scam the number that called me was XXXX. I wish to be taken off thier list for I do not owe this debt and they threaten to contact my family members to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report again after submitting multiple disputes without a response back and this account still remains on my credit report, These two accounts are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX  XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Product: Debt collection

I resolved some medical debt with other creditors with the help of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. I received notification that the debt was discharged and removed from the credit report and now I am receiving harassing phone calls from XXXX XXXX XXXX requesting payment of {$720.00} for account number XXXX and {$170.00} for account XXXX and Debt Recover Solutions LLC for {$430.00} for account number XXXX. The original creditor with whom this was resolved is XXXX XXXX XXXX XXXX. I have advised both of these agencies these matters have been resolved and still they continue to call and harass me. I have requested that they send the validation of debt and they refuse to do this and say that they will not send more than what they have sent in the mail which does not state anything regarding any new debt and only lists debts which have already been resolved.