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

When logging on to my online Target Red Card account on XX/XX/XXXX I noticed an odd pending charge. Since I hadn't left the house in a month and I've never purchased anything online with Target, I used secure messaging within my online account to notify Target of the possible fraud. I also tried calling the number listed on my Target card but could not get through. ( 40 minutes on hold, then the call would drop. I attributed to the lack of service reps to the ongoing pandemic. ) Target replied via the secure messaging the next day that the charges were authorized and then moved the charge from pending to approved.

I replied back using the secure messaging within my account that 1 ) no the charges were not authorized, that was the point of my original notification, and 2 ) more unauthorized charges were being made. 

Target replied back that they could not help me and to call XXXX. Thinking this was a special credit card fraud number instead of the customer service number I couldn't get through earlier on, I called immediately. Instead of help I was treated to a solicitation for roadside assistance. If I didn't participate, I didn't get to talk to a human. 

I notified Target, via secure messaging again. They replied back basically to keep trying to call and to wait for my statement to be mailed to me. Meanwhile, more charges were popping up on my account. 

I dug around the Target website and found an email listed on their website for reporting - XXXX - which I used to email Target and beg for help in stopping the continuing charges. I still haven't heard back. Not even an auto-reply that acknowledge receipt. 

I reached out via XXXX and instead of helping Target responded back that I should check with my bank. I found that odd because my bank is a credit union and has at no time in it's history distributed Target Red Cards. I replied back to their message, saying I am not having any trouble with my bank or any other credit card but Target 's credit card, but have not heard back. 

Today is XX/XX/XXXX. Charges are still appearing on my card as they have every day since I originally alerted Target. I have contacted Target by every means available to me. I've screenshot all the information. I am bewildered that not only is Target not proactive in keeping my account safe, Target is actively blocking my reports of theft and fraud. 

Please, please help me. Every single day more charges appear. I can't get Target even to acknowledge the fraud, much less stop it. I don't know what else to do.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the repeated handling of my disputes with your agency. Despite my multiple attempts to have specific information on my credit report properly investigated, my cases are continuously being closed without providing sufficient proof or documentation to verify the validity of the debt in question. 

As required by the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough and reasonable investigation when a consumer disputes an item on their credit report. However, I have yet to receive any validation or proper documentation proving the debt in question belongs to me. Specifically, no contract, signed agreement, or other legally binding evidence has been provided that supports the claims reported on my credit file. 

Details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1000.00} I am requesting a proper investigation into this matter and full validation of the debt as required by law. If you can not provide the necessary documentation showing the debt is valid and legally belongs to me, I am demanding its immediate removal from my credit report. 

Please note that repeated failure to address my dispute properly is a violation of my consumer rights under the FCRA. If this matter is not handled appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 

Enclosed are copies of any prior correspondence I have sent, as well as my previous dispute submissions for your reference. 

I expect a detailed response and confirmation of your findings within 30 days of receipt of this letter, as stipulated by law. Should you require additional information from me, please contact me at [ your phone number ] or via email at [ your email address ]. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before i seek litigation for defamation of character. ) 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, credit repair services, or other personal consumer reports

I changed my membership wioth esperian and now subscribe to free membership and since that point that have palyed havoc with my credit reports the lastest is the are reporting a closed account, which all my cards are receiving however they failed to note that the account was a car loan and paid in full on time and closed because the car is now paid off this shows as a negative against your account and they have controlled all my scores because I cancelled my membership they dropped my score by XXXX points because XXXX has now closed the account, however the account is closed because I noew own my car outright and this is not showing on my report When we paid off our mortage they droped our score by almost XXXX points this can not be legal
Product: Checking or savings account

I received a debit card in the mail from 'Dave XXXX, which is an online banking app that appears to be backed by XXXXXXXX XXXX XXXX XXXXXXXX XXXX This account opening was fraudulent and the result of identity theft. 
On XX/XX/XXXX, I searched the website for information on how to contact someone to resolve this issue. I was completely unable to find any phone number to contact them directly to report the fraud. After searching, I did find a link to report fraud/disputes, which opened an online portal to report my issue. I provided the account number given on the mail I received, and asked that the account be closed immediately. 
A representative replied and asked for DOB, last 4 of SSN, mailing address and last 4 of external debit account. I provided the information, but explained that I did not fund the account so the debit account will not match. 
On XX/XX/XXXX, they replied and said my identity couldn't be verified due to last 4 of debit card not matching, which as I explained before is information I can't provide, because I didn't fund the account. The asked for the following items to verify my identity : a picture of my driver 's license, and a " selfie. '' Within the same email in the fine print, it clearly says that personal data shouldn't be sent by email. This company also has a history of massive data breaches, so I didn't feel comfortable sending that. I asked for them to provide a phone number to talk to someone in person. 
They did not respond until XX/XX/XXXX. The request for a phone number was ignored. The reiterated that the license and selfie were the only way to validate my identity. I refused and asked again for a phone number. 
On XX/XX/XXXX, they told me that they can't move forward with the request, and I can call the phone number on my debit card. I'm currently at work, but will try that when I get home. It's absolutely ridiculous that after 3 days this hasn't gone anywhere, and I haven't been able to speak to anyone except through email. As someone struggling with identity theft, the last thing I should be doing is sending more personal data through insecure methods like email. 
I have credit freezes/alerts set up at all 3 credit bureaus, and a fraud alert set up in XXXX. I believe if Dave was doing proper due diligence, this should have been caught and the account never should have been opened. To me, the fact that it's more difficult to report fraud on an existing account than it is to open that account in the first place is obviously a problem. I understand the need to verify identity, but this is unusual that the only way to do so is to send personal data through insecure means. There has also been a lack of urgency on their part, which you can see by the timeline I provided. 
I am not asking for any proceeds from this account. I just want to ensure that fraudulent activity isn't done under my name. 
I've had fraudulent accounts opened under my name at two other online banks recently. In both of those cases, I was able to speak to someone the same day the card was received, have the account flagged as fraud and closed out.
Product: Credit reporting or other personal consumer reports

There saying I have a open account for a collection agency that I have no knowledge of the company is called Amshercolle collection services I did not give any permission for any company to sell my information the amount they are saying I owe is XXXX that I have no knowledge of I do not owe this I did not open this account or whatever it may be XX/XX/year> is the date they say account was open
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous e-oscar verification that is causing so many consumers trouble
Product: Checking or savings account

I dont remember the date exactly but its been awhile but Wells Fargo had switched my checking account to a checking account where I got free checks when I ran out but they were charging me XXXX dollars a month and it had something to do with the checking account also. As time went on I had stop writing checks and I had called to see why they were still charging me the XXXX dollars. So I had called and ask the operator that helped me why I was still being charged the XXXX dollars and he literally laughed at me and said we discontinued that checking program a long time ago and he says he will stop the XXXX I was being charged monthly. I asked him if it had stopped a long time ago than why was I still being charged the XXXX dollars and he says he did not know and he could not help me with that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the credit agencies because of my credit score being affected by the Covid pandemic, I lost my job and was out of work for about a year, my loan, medical bills, credit cards, and later payments all accumulated negative and derogatory remarks during this time, and although some has documented that the accounts met the fcra requirements they continue to allow it to affect me report in a negative way dropping my score. I have disputed inaccuracies, false reporting of late payments, accounts being closed and reopened after being charged off as loss of profit only to be closed again, one collect that was closed was reopened continually adding {$1.00} to the account and a few weeks later removing the {$1.00} just to add it again.. all affecting my score most disputes go resolved and they never do a actual investigation because all agencies reporting different on most accounts.. they dont explain how they verify, validate, or answer the dispute, they have dropped my score -61 points without a change but they seem to be passive aggressively ignore my disputes
Product: Debt collection

THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. XXXX AND XXXX, RESURGENT CAPITAL SERVICES, LVNV AND XXXX XXXX BANK. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.
Product: Credit card

Discover Card called me on XX/XX/XXXX  at XXXX XXXX  XXXX. I voiced my concern to the representative and he disregarded my comment.
Product: Debt collection

Collections Unlimited has reported a collection account to my XXXX   credit file. I do not owe this alleged debt. If Collections Unlimited has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. Collections Unlimitedhas no legal right to attempt to collect a debt. Collections Unlimited has not validated this debt nor sent me a notice of collection. Collections Unlimited is in violation of the FCRA and the FCDPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis is reporting inaccurate information to my consumer report. They are reporting a public record which I never gave written instructions to do so and have been causing me injury.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was notified of XXXX transactions on my Venmo account within less than 2 minutes. I immediately contacted Venmo to dispute these unauthorized charges to XXXX. 2 charges for {$650.00} and 1 charge for {$250.00}. This was almost all I had in my account. I was assured that it would be sent to the investigation team and I waited. I was never contacted for more infirmary and then received an email that stated that my dispute was denied because it went along with my purchase history. My purchase history was {$100.00} one time to XXXX and the rest are usually around {$50.00}, if that, to buy necessities from XXXX. I called Venmo again and spoke to a supervisor. Her name was XXXX. She looked at my account and was rather baffled as she could see the report from the investigations team and they did not even try to contact XXXX. They did nothing except say it was my purchase history. Even the supervisor said that there's nothing in my purchase history even close to it and I have NEVER bought anything from XXXX. She put in an appeal and told me she would stay in contact and that she would personally try to contact XXXX as I have had no luck getting anyone on the phone myself there. I waited 5 days with no answer and then received another email from Venmo. Again, dispute denied. So I contact Venmo again. Again the person from Venmo, this time his name is XXXX, informs me that the report from the investigation team steal shows no signs of contacting the merchant or that they did anything at all. He filled another appeal. I need help with this. This was almost all my money and I have bills to pay. They need to investigate!! I did not make these transactions. Please help!!
Product: Checking or savings account

I am in Bankruptcy. My bankruptcy is going through XXXX XXXX XXXX XXXX WV. Before bankruptcy I had used a debt consolidation company ( XXXX XXXX XXXX XXXX in Michigan ) to take care of my credit card debts. XXXX XXXX has been fighting me from the beginning of the debt consolidation. I went to use my checking account this morning ( XX/XX/23 ) and found out that my account had been put on a freeze ( hold ) for {$18000.00}. This therefore put me in overdrafts and can not access the money that originally was in the account. I have called and visited the bank, called the lawyer on the paperwork that was served to me this morning ( XX/XX/23 amount on paperwork is {$17000.00} ). The lawyer 's name is XXXX XXXX with XXXX XXXX XXXX XXXX. I contacted both lawyers ( theirs and mine ) and it seems no one can remove the hold on my account till lawyers meet. This will not happen for several days due to the holidays ( XXXX ). My major complaint is that they accessed my account and put it in overdraft and charged money that I do not owe. This company has not communicated with me in any way whatsoever to try to see if this debt could be resolved before locking my account! I also do not have access to money to feed my children or pay my bills to keep a roof over their heads. Can you please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Eqiufax. Have accounts set up with them and have used them in the past.

Tried logging in today and and can't access account. I have the correct user names and passwords because I'm an old guy and I write them down. All they want to do is sell you stuff without any access to your account. 
These people sholud be put in jail!
Product: Credit reporting or other personal consumer reports

Fair Collections & Outstanding is not licensed to collect in the state of XXXX XXXX as you see in the attachment below which is a violation of the law ( No person, firm, corporation, or association shall conduct or operate a collection agency or do a collection agency business, as the same is hereinafter defined in this Article, until he or it shall have secured a permit therefor as provided in XXXX Chapter 58/Article 70 ( PDF ). ) which invalidates this debt, with this not being a debt that can be legally collected it must be removed from my credit report
Product: Vehicle loan or lease

I was paying {$250.00} every 2 weeks when my monthly payment is {$380.00}. They were still reporting me late every month.
Product: Credit reporting or other personal consumer reports

Hello, I live in new york and Per the XXXX XXXX XXXXXXXX XXXX XXXX XXXX any account that has been paid and is over 5 years need to be purged from the credit report. XXXX XXXX XXXX is showing 5 years as of XX/XX/XXXXXXXX  but Experian is showing the account did not go delinquent untill XXXX when it was settled. XXXX is trying to say they do not have records going back that far. This trade needs to be purged per the law.
Product: Credit reporting

Equifax is reporting a duplicate account with negative rating. With documentation from CFPB that shows reporting is wrong, letter from company apologizing that report is wrong, and calling Equifax and they state it is wrong. The report continues to report a duplicate account even after several attempts to dispute on line. 
Next phase will be suing Company and Equifax to false reporting.
Product: Debt collection

My debt is from an emergency room visit that occurred after my health insurance had expired. long story short the doctor that " treated '' me failed to do a XXXX associated with the condition and symptoms i was exhibiting and i was admitted to the hospital with XXXX in the weeks following. I was hospitalized and XXXX for quite some time. The bill in question was unchecked and thus went into collections, however i was never notified of this. I have never received any correspondence through mail, email nor received any phone calls regarding my debt being placed into collections with Transworld Systems. The only reason i ever became aware of it being in collections was seeing it appear in my credit report. Since discovering it i have had it disputed and removed from my credit report only to have it reappear a few weeks later. I disputed it again and this time it was not removed. it was after this i received my first and only contact from Transworld Systems which was a letter attempting to validate the collection. In the letter it provides a website of theirs to use in an effort to resolve the issue. The website however requires registration to gain access. And registration is only possible with a registration code that is supposed to be provided prior to being directed to the website. Which was never provided to me. There is a phone number listed to contact as well which i have attempted to call NUMEROUS times however no representative has ever answered. A prompt plays and asks you to hold until a representative is available however after roughly 3 minutes and 30 seconds the prompt replays and at 3 minutes and 54 seconds the line disconnects. Every single time. The situation is asinine and i want to resolve it as my credit is being severely ruined by these shenanigans and with no way to communicate it is infuriating and incredibly unfair. I researched this company and from what i have read i am far from the first person to be taken advantage of by them. An outstanding number of reviews and testimonials were incredibly negative and if they are true Transworld Systems should be subject to legal action.
Product: Credit card or prepaid card

I fear I am the victim of discrimination by the American Express corporation. I received a promotional offer on my account to upgrade from their Hilton Surpass to their Hilton XXXX card, yet when I accepted their offer they informed me that the offer was not valid. Their response is very obtuse, puzzlingly alluding to some vague, unspecified issue that they claim may or may not have impacted my account. Amex asked me to be patient while they researched this issue, as you'll see in their correspondence to me from XX/XX/2021 ( copy attached ), but over six more weeks have passed and I still do not have resolution to my concerns. Further, overwhelming evidence is amassing on various consumer websites suggesting, strongly, that other Amex customers encountered the same issue yet were upgraded, given preferential treatment for not complaining to the XXXX  or CFPB. I have a perfect payment record with Amex and am sickened and repulsed by their callous, dismissive treatment. I ask that you launch an aggressive investigation.