23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. The following accounts are NOT MINE : XXXXXXXX XXXX XXXXXXXX. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise, we will be seeking a legal remedy in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX in writing TWELVE TIMES regarding an Incorrect Account they are reporting on my Credit file. I mailed them a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request a re-investigation for an account they are reporting as Account # XXXX with a creditor named XXXX. They have NEVER responded to me or mailed me any results of their investigation and nothing has changed on my credit report. The information they are reporting is WRONG and they refuse to correct it. They are not even providing me with the contact information for this creditor on my credit report and I have no way to contact the company they allege I owe. That is illegal and a very clear violation of my rights. This debt obviously is not able to be verified and I am DEMANDING that XXXX immediately DELETE Account # XXXX with XXXX from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, XXXX XXXX XXXX, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, 2018 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX To whom it may concern : As a longtime customer, I write with two complaints : Customer assistance connected me with a XXXX scam which may have compromised my computer. 

Customer service has no way to provide immediate feedback about my concerns. 

My customer record should show three calls to Capital One, two on XXXX XXXX and one today. 

While working with XXXX on XXXX XXXX, I had a problem with a XXXX/Capital One Authorization step. No one at Capital One has knowledge of this change although I reproduced it. After calling, I was transferred from Customer Service to Digital Support and ultimately told only XXXX could solve the problem. Because XXXX does not have Sunday support, I was surprised when the Digital Representative patched me through by phone. I therefore trusted the call. XXXX said an agent would call me back shortly. One did who wanted access to my computer which I granted, assuming this source was trusted. Eventually I was told I would need to pay for the problem. Since it was not a problem I had created, I suspected it was a scam and said so. The XXXX agent disconnected. 

I called Capital One to report the problem and again was transferred to a Digital Representative. There was no acknowledgement or ownership of the problem. We were disconnected, and I was too frustrated to call again after several hours on the phone with several people. I called back today. I went through the same process where a Customer Service Representative and Manager and the Digital Representative told me I could write this letter. 

I ask that Capital One assure me that Digital Representatives connect with only valid XXXX agents, and I ask that a more direct customer complaint process be put in place. 

I am sending a copy of this letter to my senator and to the Consumer Finance Protection Bureau.  Should you need to contact me, I can be reached at XXXX or by email at XXXX XXXX 

Sincerely yours, XXXX XXXX XXXX
Product: Prepaid card

I was entitled to receive a California Middle Class Tax Refund of {$1000.00} from the State of California Franchise Tax Board ( Link : Middle Class Tax Refund | FTB.ca.gov ). FTB outsourced Money Network ( California Middle Class Tax Refund Card | Money Network Financial ( XXXX ) ), a third-party financial institution, so Money Network delivers prepaid debit cards to the affected recipients. Money Network who was contracted to manage my account, issued and sent a prepaid debit card to me, but it was never delivered to me. It appears that the mail including my debit card was stolen before it was delivered to me. 

After so many attempts to figure out what happened to my debit card, Money Network finally agreed to reissue the prepaid debit card and re-sent to me. When I received the card and accessed my account, I realized unauthorized cash withdrawals were made via multiple ATM locations. 

I disputed the illegal withdrawal transactions to Money Network, however, they declined/rejected my dispute. The justification to decline my dispute was that the PIN was utilized to withdraw from the ATM machine. I never established the PIN and I never had an opportunity to set a PIN since I never received the original mail including my debit card with instructions to set a PIN. This justification to decline my dispute is unfair to the consumer since I had no opportunity to control over security of the mail with my debit card and my account, yet the service provider, Money Network, who is obligated to deliver the mail with the original condition failed to do so and refused to fulfill the service. In my case, Money Network was obligated to deliver my prepaid card in a proper condition and maintain the security over it and if the service was not delivered as promised they should have borne the loss and accommodated the consumer, so the consumer would receive the service/money as it was promised to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX to update this suspicious information. I think you have not validated this account 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. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

i have a rush card that i am unable to access. I have a few bills that are due today XXXX/XXXX/15 and i usually get my payment 2 day early. They are updating their systems and the customers are not able to get a hold of anyone. i am a single mom with XXXX kids and i have to take care of my household but unable to due to not able to access my rush card. THIS IS SO NOT FAIR, i have not had this problem in the past and have been using my card for about 6 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed that its inquiries on my credit profile that shouldnt belong and I would like them remove immediately ( Carmel financial XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a secured credit card through Capital One to build credit history. I used it on XX/XX/XXXX for the first time. I made a payment the following day for the full balance. I used the card again on XX/XX/XXXX and made a payment the following day. Each time my payment was returned. After attempting to make the payment my account was closed by Capital One. I got this card only to improve my credit and the in the end I have lowered my credit by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received email saying payment is due. I dont use the credit card I sign into the account and notice it has fraud transactions from XXXX so I reached to indigo and explained the situation they said they would dispute and have to investigate that it wasnt me. It continue to show Im over my limit on my credit and it impacts my credit and credit score when explaining that to them they just apologize and say they looking into it
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is knowing and willfully report inaccurate information on my report causing me emotional stress and stated they would remove on the cfpb portal but continues to report it causing me harm and defaming my charter. They were told on several occasion in writing this is identity theft I never gave anyone written permission or verbal to share my private transaction to make a profit off me. Its there grave responsibility to make sure they investigate transactions before they report on my consumer report and failed to do so! Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. They just marked it verified never sent method of verification an sent me proof that I have a contract with these collection companies or the forward flow sheet. I have a right to privacy and you violated me for the last time. Never Sent me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response
Product: Credit card or prepaid card

O n  XX/XX/XXXX  I called Military Star to see w hy my online payment did not go through o n  XX/XX/XXXX  like I ha d made on the website. When I called on the   XX/XX/XXXX  and ta lked to someone to try to find out if it went through, the lady was rude, she asked mine and my husbands name, address, telephone numbers, checking account number, MY military star card number, and asked if I or we were both joint on our checking account. Then she put me on hold for  five mi nutes, When she returned she asked if my husband was here and he was not he was driving on his way home from out of state. I asked if there was a problem and stated that I was just trying to figure out if my payment had went through or if I did something wrong. She said her boss said as a  one tim e, courtesy they would give me the information I was needing just this  one time be cause on the online account it was only listed as my husbands name and not mine on the payment option on the website. She said the payment was set up to come out i n XX/XX/XXXX    and  not    XX/XX/XXXX .  So  it looks like I accidentally hit the wrong option for the date. I then asked her if I would just need to go back online and re submit the payment and correct the year and she said she could n't give me that information and asked if my husband was around again. I understand completely that they are just doing there jobs and they have all of the protocols they have to go through for proof, but she had asked me everything possible and seen that I was on the account as well and for me just simply wanting to know about if my payment went through or not.I should have not gotten this treatment and she should have not gone around in circles for just the simple information I was needing. This needs to be addressed and the company needs more training with their customer service skills.
Product: Debt collection

COMPANY HAS RESPONED WITH FRAUD DOCUMENTS i HAVE ATTACH A POLICE REPORT ON MY BEHAV I AM A VICTIM OF ID THEFT AND MANY PEOPLE USE MY ID AND INFORMANTION FROM A STOLEN WALLET i HAVE LEFT ANOTHHER COMPLIANT I DONT UNDETSTAND WHATS GETTING MISCOMMUNICATION!
Product: Debt collection

I had 2 paid off XXXX XXXX from XXXX. XXXX XXXX XXXX said if i give them the 2 phones, they will give me 2 new iphones on their network. I sent my paid off XXXX  to them and r months later they said they only received one. I told them i sent 2 in the same box. They kept both my phones so i kept the 2 they sent me. They charged me over {$2000.00} for both phones. Sold my debt to a 3rd party and every year it gets reported as a brand new debt so 7 years never goes away. I still have the reciept from sending them the 2 XXXX  i paid off.
Product: Checking or savings account

First National Bank of Omaha - XX/XX/2019 is one example..when my checking account balance is low a transaction will go through my account and my account will automatically overdraft where i am charged a XXXX fee. The transaction is not listed on the account or the app or website so i have no idea what they tried to process in my account and im automatically over drafted with no opportunity to bring the account in good standing before the close of the day which is ironic because i will authorize payments before noon on a friday and the bank will hold the transactions until the end of the business day on Monday basically two full days. I believe they are manipulating transactions and should be looked into. Furthermore my overdraft coverage is manipulated to where i will select basic overdraft coverage get approved then go back to app website and it will say no basic overdraft coverage
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of XXXX, XXXX and Experian. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. XXXX XXXX and Experian XXXX I am XXXX XXXX and Retired.
Product: Debt collection

Hello, I have tried to have this account that has erroneous information removed on different occasions, I contacted the company on different occasions until now they sent me the information that they have that is different from what they are reporting and they are violating the law of fair credit. I gave them proof of what the agent supposedly says I owe and what they are reporting, which are different amounts and are violating federal laws. XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2022 {$920.00} Here I send you proof that what I say is true, I send you the information that the agent of said company sent me and requested additional payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed a number of fraudulent accounts on my profile, I have sent a number of disputes to the bureaus but have not got any resolutions. The fraudulent accounts consisted of the following. I sent out a number of disputes without any response or removal of the following fraudulent accounts. 


The Fraudulent accounts that I am referring to will be listed below : 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
Product: Money transfer, virtual currency, or money service

1. I contacted a Leasing Agent/Realtor to rent an apartment from their public listing on XX/XX/XXXXXXXX  2. The realtor asked me to fill out an application for the apartment followed by a {$2100.00} deposit ( which was the full amount of one month 's rent ) Realtor 's messages : The landlord wants a full payment to have the unit secured. I assure you are in safe hands, you can look me up on the California Department of Real Estate whose mission is to safeguard and promote the public interests in REAL ESTATE MATTERS through license, regulation, education, and enforcement. 

Licensees - CalDRE California Real Estate License Number : XXXX License : XXXX XXXX XXXX XXXX 3. I sent 3 separate XXXX amounts via Wells Fargo for {$1000.00} / {$1000.00} / {$180.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to recipient XXXX XXXX ( XXXX ) 4. On XX/XX/XXXX, I asked for a tour, and the realtor stopped responding, and I immediately suspected that I was scammed. 
5. Between XXXX, I tried over and over again to reach out for a refund, but the damage had been done. 
6. On XX/XX/XXXX, I submitted a fraud claim to Wells Fargo, and they told me that they could not do anything about XXXX fraud, as once the money is wired, it can not be recovered. 
7. After submitting a claim and receiving a claim number, I am no longer able to locate the claim itself as of XX/XX/XXXX. I suspect that Wells Fargo deleted my claim to cover up the fact that they failed to recover my money.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account 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 account need to investigate and correct for erroneous reporting in my file and it's listed on my credit report : XXXX XXXX XXXX Balance : {$1800.00}
Product: Student loan

I have never had an issue with this loan before it was changed to Heartland ECSI ( https : //heartland.ecsi.net/ ). Before they switched to their new absolutely awful website, that does not even work properly to make a payment, I was making my payments with zero issues on https : //borrower.ecsi.net/. That no longer works and I am forced to use their new XXXX website to try and make payments. The first payment I had to make on this new awful system was last month, and while it was an incredibly difficult to make the payment and I could n't even specify the amount I wanted to pay at least I could make a payment and view my loan information. This month however when logging in I was getting errors left and right, it would not pull up my loan information or let me make a payment at all. Oh their online chat service, does n't work. Ah I see they have a contact number ... which no one ever answers. This is frustrating and unnecessary for a company that makes money hand over fist to roll out a system for receiving loan re-payments that does not function. Let me repeat, it is highly unacceptable for this situation to exist, and I really wish this company would be punished for making it difficult to make payments on the loans they own. If my payment does not get posted today I may have to deal with late charges and potentially taking a hit on my credit score which I worked hard to build up, all because they rolled out a system without properly testing and ensuring it works and probably skimping on paying a company that knows what they are doing to build their new site.