23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received a {$100.00} gift card from a co-worker this past year. It was brand new with the cardboard packaging intact and a sticker over the card when I opened it to activate it. 

I followed the instructions on the card and went to prepaidgiftbalance.com to activate it on XXXX XXXX, but the website told me I needed to update a four-digit PIN to use the card and instructed me to call customer service at XXXX. I don't know how it would have a PIN because it was brand new and hadn't been activated or registered. 

When I called on XXXX XXXX, I gave the rep all the information they asked only to be told the card couldn't be activated because it was registered under a different name than mine. It was in new packaging and had a sticker over the card number on the front, so this couldn't be the case because it requires you to punch in that number to register the card. 

I told the agent it was a gift and I opened it brand new, but they told me I needed to submit proof of ownership and a form with a copy of my driver 's license or social security card to this website : https : //www.prepaidgiftbalance.com/kroger-gift-card-misprint I uploaded my driver 's license, but am unclear how this would help or be necessary to activate a gift card. After following the steps, I never received a confirmation email that the process was complete and now I have no way of knowing whether this website is even legitimate. This is the most difficult process for activating a gift card that I've ever experienced. I want the card to be activated so I can use it. I can only imagine how much money this company is pocketing because people give up on this frustrating process.
Product: Credit card or prepaid card

I have had a netspend card for months which I have activated and used for months without an issue. Today XX/XX/2018 I tried to make a purchase online and the transaction were declined when I know I had funds on the cards. 

I called customer service and was told my balance was {$300.00}. And that they would now need ID, Social Security card and a Utility bill to release my funds. Please keep in mind that I have had the card for months and have loaded it and used it for many transactions. now after having the card, loading and making purchases froze my account without warning and are holding my funds XXXX. 

ID and social security cards were not requested during activation and now all of a sudden they need this. I am requesting my netspend account be closed and my funds which total around {$300.00} be sent to me via check at the address on file.
Product: Credit reporting or other personal consumer reports

I am demanding the deletion of the account PORTFOLIO RC XXXX from my credit report due to FCRA and FDCPA violations. I contacted the original creditor, and they were not able to verify this account. I will attach the response from XXXXXXXX XXXX admitting that they have no record of the account or proof that I am the alleged debt owner. I have already submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you still proceed to report this account. Under the provisions of the FDCPA, it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FDCPA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 a balance of {$13000.00} appeared on my Transunion Credit report. I am challenging Transunion to verify this account Per ( Section 609 Of The Fair Credit Reporting Act ) This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting.This section of the FRCA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation ( Whatever I filled out and signed upon opening the account with the reporting creditor.
Product: Debt collection

I received a call on XXXX at XXXX XXXX  from XXXX that they were trying to verify my address to send me a packet from XXXX XXXX XXXX. I informed caller that I didnt know anything about this so she told me to call XXXX and provide them with a reference number XXXX. When I called and provided the reference number I was told that this was in regard to a collection of an account opened in XXXX and charged off in XXXX and I owe over XXXX. But that I could settle for over XXXX. When I disputed the charge and asked what it was about, the rep told me that he would see me in court. I have no idea what charge this could even be that would be that old. It concerned me because they had my full ssn and drivers license number, address, and work phone. The normal statement about this call being to collect a debt was not read to me.
Product: Checking or savings account

I BANK WITH SUNTRUST BANK, I PROCESSED AN XXXX XXXX PAYMENT ON XX/XX/XXXX FOR THE AMOUNT OF XXXX - ONLY TO FIND OUT THAT THE PAYMENT WAS NOT PERFORMED. 

APPARENTLY, THE BANK INFORMED ME THAT MY ACCOUNT WAS PUT IN A DORMANT MODE BECAUSE OF NO ACTIVITY. 
SOMETHING I DO NOT AGREE SINCE I SEND AND RECEIVE MONEY EVERY MONTH. 

I ASKED WHY WAS I NOT ADVISED ABOUT MY BANK ACCOUNT BEING DORMANT, I WAS TOLD THAT A LETTER WAS SENT BY POST ( NOT CERTIFIED - NO PROOF ). 

I ASKED WHY DID I NOT RECEIVE A NOTICE ON MY TRUIST WEB ACCOUNT WHEN I LOGGED IN TO CHECK MY BALANCES- THE BANK WAS NOT ABLE TO GIVE ME A REPLY. 
THE BANK 'S ACTION MADE PAY A LATE FEE OF ABOUT XXXX $ AS WELL A POTENTIAL LOWERING OF MY CREDIT RATING.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 :
It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting 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. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I initially reached out to Barclays Bank on XX/XX/year> to notify them of my identity theft issue. After explaining the situation the bank checked the account in question and determined that it was fraudulent. They informed me that they were closing the account. I was told by the bank representative that they could not provide that information to me. However, I was told that they would send it to the credit bureaus within 90 days. I followed up with the bank on XX/XX/year> and was then told something different. This time I was told that they dont report that information to anyone. I then asked to speak with a manager. I received voice messages on XX/XX/year> and XX/XX/year>. I called back on XX/XX/year> stating that I was returning a phone call from a manager. However, I was told that I could not speak with a manager. As a result, the loan company XXXX XXXX XXXX has now started reporting a negative item on my credit report. I have also been in contact with XXXX asking them to contact the Bank directly. Most recently I followed up with XXXX on XX/XX/year> to try to get this resolved. I requested that they contact Barclays Bank directly for their investigation. I was told that someone would call me back within 24-48 hours. I have not heard back from them and now my credit report is being negatively impacted. I also filed an identity theft report with the FTC on XX/XX/year> ( attached ).
Product: Prepaid card

I got a vanilla gift card {$100.00}. XXXX last year. I went to use it at XXXX and it was declined. I looked up the card and as soon as I activated it immediately XXXX {$50.00} charges appear from XXXX. I contacted the vanilla gift card and I did what they asked. They came back saying they needed the original sale receipt which I told them I didn't have because it was a gift. They also wanted the original package which was thrown away. I told then I had the card and sent them both sides of it. It showed I tried to make the same order about XXXX time on XXXX but was declined because it was used at XXXX. I have never shopped at XXXX. This scam is on the internet and he said he knew about it. So they knew it was happening. I want them to send me a new card
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX  Account # : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I cant get nothing cause that XXXX XXXX XXXX XXXX XXXX u all closed my complaint with talking to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. 

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : MONEYLION INC account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet somewhere in XXXX XXXX ever since I lost it years later I found out my credit history is weird so I contacted the credit bureau like XXXX, experian, XXXX for years they never do anything about it so thats why Im here making this complaint on those companies.
Product: Checking or savings account

Citizens Bank- Again.

Payments that posted as pending on XX/XX/XXXX, showed a deduction in my balance on Citizens app. Then they were again deducted after three days. I telephoned my bank and the representative agreed with me. There are several mathmatecal errors showing my ( now lack ) of funds. I've caught Citizens using magic math in the past. Now, it's becoming an epidemic.
Product: Credit card or prepaid card

I cancelled a booking with XXXX and I did not receive the full refund as it indicated on their website. There's still a remaining {$170.00} charged in my credit card. 

I called XXXX and failed to resolve this issue. So I reached out to my credit card company XXXX  and started a disbute. But later had it resolved in the Merchants favor and was rebilled for {$170.00}. 

I've provided digital and physical evidence of the email proof I received for free cancellation/cancel with full refund. But XXXX  still resolved it with the merchant favor.
Product: Debt collection

TRANSWORLD SYSTEM INC is reporting a collections account on my credit report for the amount of {$870.00} past due as of XXXX XXXX 

Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent. 

I have never received any notice of this collection. I have no contract or account with Transworld System Inc I requested from TRANSWORLD SYSTEM INC the following in order to validate the legality of this debt. 
1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract. 
2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA
Product: Credit reporting or other personal consumer reports

On Sunday, XX/XX/scrub> 2024 I received a credit alert advising of an inquiry from Barclays Bank Delaware. On Monday, XX/XX/year>2024 I immediately called the number for Barclays bank that appeared on my credit report. The representative advised there was a pending application on file. Once I advised that I did not submit that application, the representative declined the application, however the inquiry remained on my credit report. I then call XXXX to advise this inquiry was fraud as I've not applied for any credit. XXXX advised to call Barclays Bank, which I informed the representative that I've already spoken with Barclays Bank. The XXXX representative placed a second freeze on my credit report at this time. I made her aware of my disappointment as I'm unsure of how this happened with an existing credit freeze. 

I reached back out to Barclays Bank Delaware to get an update on when the inquiry will be removed and was advised it will take XXXX billing cycles. How do I wait XXXX billing cycles when I do not have an account with them? Also, they did not take any information from me to track the fraud case. I need to have this inquiry removed.
Product: Money transfer, virtual currency, or money service

To whom this may concern : US Bank refuses to act on a obvious fraud by an individual. I have lost {$250.00} caused by a fraudulent action by an individual using fake XXXX emails. I provided US Bank this info and their response to me was " {$250.00} posted as Requested ''. They did no investigation. The individual is still out there ripping people off. 
Here is a letter sent to U.S. Bank this week. 

To whom this may concern ; I am in receipt of your letter dated XX/XX/2022 regarding my claim of fraud and your denial of that claim. 
I find it incredible that U.S. Bank sanctions fraud and deceit as long as the fraud Posted as Requested. You obviously did no investigation. I expect to have my {$250.00} returned to my checking account. 
I explained to the claim taker I have fraudulent XXXX emails the individual used. Obviously that does not matter to U.S. Bank. There is no way that I am going to let this go. U.S. Bank is allowing a thief to continue to rip people off using U.S. Bank and XXXX. I have reported the criminality to various government agencies including the Federal Trade Commission, XXXX XXXX XXXX XXXX, and the Office of the Comptroller of the Currency since your company makes it impossible to file an XXXX Complaint. 
I expect to hear back from you no later than XX/XX/2022. I expect you to do a complete investigation and I expect you to refund my {$250.00} which was stolen by a XXXX impersonator. 

Sincerely ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

I contacted a seller on XXXX for tickets to a concert on the same day. The seller was supposed to send me the tickets right after the XXXX transfer. The seller shared his details with me after I spoke to him on the cellphone. He chose to transfer via XXXX and not via XXXX or XXXX. After I made the payment of a XXXX XXXX the seller stopped responding to my texts, deleted the XXXX  post and also blocked my number. I immediately called XXXX and they said they can not help me since the transfer has already been initiated and they are not a bank controlling the fund transfer. I then called Bank of America and they said since it was a voluntary transfer they can not refund the money. They also said they can not help with any fraudulent protection and refused to refund me the money or cancel the transfer.
Product: Money transfer, virtual currency, or money service

Money was taken out of my account without my permission and the person or person who took the money out is not even in my contacts so I dont even know if it was a man or a woman somehow they was able to circumvent Cash App security and just take the money out of my account over a one year. Here are the dates and the amount. XX/XX/year> {$160.00}. 
XX/XX/year> {$50.00} XX/XX/year> {$15.00} XX/XX/year> {$20.00} XX/XX/XXXX {$10.00}. I would like this money returned to my account. It was fraudulent I was scammed.
Product: Debt collection

Did not receive any information concerning this debt, this information is inaccurate. I am trying to purchase a home and this collection is damaging my credit
Product: Debt collection

On XX/XX/XXXX at XXXXXXXX XXXX I received a phantom debt call from ( XXXX ) XXXX identified as coming from XXXX, CA. They left a voicemail telling me there were pending actions being filed against my property and that someone would be serving me at my home. I was told to call ( XXXX ) XXXX. When I did call I was told they were XXXX and XXXX located in XXXX XXXX which doesn't exist. When I tried to ask for more information I was immediately transferred to someone who refused to answer my questions and just talked over me. The representative falsely claimed I had defaulted on a Wells Fargo credit card in XXXX ( never happened ) and then threatened me by telling me my social security number which really concerned me. Please put an end to this. Thank you.