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

This complaint is in reference to previous file complaint # XXXX. Submitted by me to ChexSystems on XX/XX/2023. 

My request Is simply Method Verification. One in which ChexSystems refuse to answer. 

1. The Date ChexSystems contacted the XXXX XXXX XXXX. 
2. The contact information for the Creditor. 
3. The name of the person who verified the items to ChexSystems from XXXX XXXX. 
4. The method of Communication ChexSystems used to verify the information. 
5. Did the creditor provide ChexSystems with my Social Security Number, address and Date of Birth. 
6. What are the proof documents from the creditor to support their claim.
Product: Debt collection

My social security card was lost and my number was used to open up a line of service with  XXXX .
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

Scam by pal pal XXXX XXXX ext XXXX XXXX told me to purchase 3 XXXX XXXX   cards because my paypal account was being hack by someone in XXXX, XXXX and Texas I need a refund for my money thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several Disputes to Equifax, XXXX and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. It has been over 30 days they did not provide the verification of these accounts listed below that ae on my credit report that they have stated that they agree. 

XXXX  XXXX Account number XXXX, Account name XXXX XXXXXXXX Account number XXXX, XXXX XXXXXXXX Account number XXXX, XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX 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 an account without my written instructions
Product: Credit card or prepaid card

Hello, In XXXX, I opened a Barclayscard through the XXXX store to make payments on an XXXX. I paid off the XXXX, brought my balance to {$0.00} and put the card in storage to avoid a credit bump. 

In XXXX of XXXX, I received an email stating that I had an outstanding balance on my dormant card. I checked my account online and noticed two charges from XX/XX/XXXX totaling {$250.00} ( One charge for {$250.00}, one for {$6.00} ). I immediately went online to submit a claim and waited to hear back. I did some research, and the charges appear to have originated in Texas. I live in Minnesota and have never been to Texas. 

After two months of late fees and no response, I called to check on the status of the fraud. I was on hold for two hours before the call was dropped. I sat on hold for hours countless times over the course of two weeks until I finally got through. I was informed that my fraud claim had never been received. I submitted another claim over the phone. 

By mid XXXX, I still hadn't heard back. I waited on hold once again before being transferred to the " investigations '' department. I did not get through on that call. 

I called the investigations department directly the next day ( the original customer service representative had given me the number ) and got through after an hour on hold. The rep informed me that the fraud claim on the {$6.00} charge had been approved, but there was no open claim on the larger of the two charges. They opened a claim for me and let me know they would call me within two weeks. 

6 weeks later, I called again as I had not heard back & the charge was still posted on my account. An hour of holding later, I was informed that the claim had been denied. I was transferred to the " fraud '' department to get an explanation, where I waited on hold for two hours before the call was dropped. 

I called again today and waited on hold for 40 minutes. I was able to get through and the fraud claim was approved after I asked for an explanation. I was informed that the initial claim was listed as a " dispute '' rather than fraud, which is why the claim was denied. 

In total, I was on hold with Barclays for ~20 hours between XXXX and XXXX. Without persistence, I would have been on the hook for almost {$300.00} in fraudulent charges. I was never informed by phone, email, or on my account page of the updates in my case. The only method of communication was by mail, and I never received half of the letters they claimed to send. 

I am submitting this complaint in regards to the emotional turmoil caused by the months of poor communication and incompetence relating to my claims. I was under the impression that credit card companies flagged potentially fraudulent charges due to geographical inconsistencies, but I was wrong. Barclays lacks the ability to serve their customer base, and I never intend to do business with them again. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus ( XXXX, XXXX, EXPERIAN ) have deemed a company as verified by the name of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my consumers report. I asked them to solidify their reasoning, which leads them to believe that a debt is owed by me to these companies or company. The credit Bureaus have lead me to believe that they conducted a improper and incomplete investigation into this. There are three different company names on each of the Credit Bureaus sites. Due to this incorrect information, it leads me to believe that they did a improper and incomplete investigation, without providing the original documentation requested.
Product: Credit card or prepaid card

I was promised by a VP at US Bank on XX/XX/20 that they would remove the negative entry and they did not do so. Please see the email they sent me below. 
XXXX Hello XXXX the Credit Bureau Negative Entry removal was submitted on XX/XX/20 by our cardmember services team and has a case # of XXXX. Please feel free to connect if you need anything else or do not see any movement on the Credit Bureau by XX/XX/20. 

Thanks! 

XXXX XXXX XXXX Vice President | District Manager | XXXX XXXX XXXX XXXX | XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX | XXXX | usbank.com
Product: Debt collection

TruAccord has violated my rights! I received a email in regards to an account you are attempting to collect a debt that originally belonged to XXXX XXXX XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. 
TruAccord violated my rights by furnishing information on my consumer report with the intent to coerce payment in the amount of XXXX XXXXTruAccord has made it hard for me to take care of my necessary household needs. This grave error caused by TruAccord violated my privacy an
Product: Checking or savings account

Date : XX/XX/year> **Incident Summary : ** While checking my account, I noticed several unauthorized transactions on one of our bank accounts. 

**Missing XXXX : ** After I checked our Square bank account and noticed the unauthorized transactions, my husband realized that his wallet was missing. His wallet contained all his credit cards, including the card used for the fraudulent transactions. 

**Details of Unauthorized Transactions : ** Upon checking our Square bank account, we observed multiple suspicious transactions at various locations in downtown XXXX XXXX XXXX including XXXX and a XXXX XXXX. We do not have possession of the card in question because it was stolen along with my husband 's wallet and all other credit cards. We immediately canceled all our credit cards as soon as we noticed the unauthorized transactions and created a police report. 

**Visit to XXXX XXXX and XXXX XXXX ** We visited the XXXX XXXX  where some of the unauthorized transactions occurred. The shopkeeper confirmed that a XXXX woman, approximately XXXX '' in height, made several suspicious purchases there. He noted these transactions and informed his partner about them. The woman did not use a PIN for any of these transactions. Similarly, XXXX confirmed that the suspect did not use a PIN for the transactions made at their store. The total amount of unauthorized transactions were {$1000.00} dollars. 

**Contradiction with Squares Claim : ** Despite the evidence from the XXXX XXXX and XXXX XXXX that the suspect did not use a PIN, Square continues to assert that a PIN number was used for the transactions. This discrepancy has not been addressed or resolved by Square, and they are not making efforts to resolve my problem despite the clear evidence of unauthorized use. 

**Supporting Evidence : ** - Police report detailing the theft and subsequent unauthorized transactions. 
- Surveillance images from the XXXX XXXX  showing the suspect making the unauthorized transactions. 
- Statements from the XXXX XXXX and XXXX confirming that a PIN was not used. 

**Request for Review : ** We request a thorough review and reconsideration of our dispute for the unauthorized transactions, given the clear evidence that our card was stolen and misused without a PIN. The unauthorized nature of these transactions is evident from the lack of PIN usage and the theft of the card. Squares failure to address this issue appropriately is causing undue stress and financial burden. We hope this additional information will assist in resolving this matter favorably. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

Complain against Clarity Services Inc and I request to opt out from Clarity Services Inc. they are making it difficult even after providing name, address and social security number as all other forms i submitted to other companies they should simplify the process and remove my information Additionally, XXXX XXXX XXXX XXXX XXXX XXXX should provide an online application option to avoid making it more difficult and costly for us. Please cease all my information form any secondary credit bureau for my husband and i to prevent solicitation and identity theft this is my privacy right and i should not jump thorough hoops to request something we didnt consent to. 
Thank you
Product: Debt collection

We hired CDS Debt Relief in XX/XX/XXXX and over the course of over 2 years have paid them over {$11000.00} to settle our debts. CDS never settled any of them, and also never even contacted any of my creditors. I ended up resolving all of the debt myself and have asked for CDS to refund our money. This was asked in XX/XX/XXXX and to date, CDS has not refunded our money nor made any attempt to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus Experian, XXXX  and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes XXXX sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. 

Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my XXXX  XXXX subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.
Product: Debt collection

On XX/XX/2019 portfolio recovery associates , llc starting to report a derogatory collection tradeline to my credit report which has to be In result of identity theft this account reporting on my credit report has absolutely tarnished my more then perfect XXXX XXXX as long as my overall report they have been reporting a past due balance on a month to month basis which is not supposed to be done I am demanding for the collection tradeline to be deleted from my credit report on all credit Bureaus, I am urging for this collection tradeline account to be permanently removed from my credit report within the next 30 days I will be attaching supporting documents in order to show how its reporting to my credit report and how awful it is affecting my XXXX XXXX and overall credit report.
Product: Debt collection

I monitor my credit reports carefully and a collection from this company called Midwest Recovery Systems is claiming I owe them {$1000.00}. I have never heard of this company and they've reporting this debt to my credit file with the 3 major bureaus, very negatively effecting my credit score.
Product: Debt collection

Within the last 6 months, Ive sent Multiple disputes and FTC report to credit management and to XXXX XXXX and XXXX XXXX. for some reason this account for {$42.00} with credit management keeps coming back verified and Im sure of how its being verified. One the account is fraudulent. Second Ive never done business with credit management Ive never answer into a written or signed contract I have said multiple times this is not my debt I do not assume responsibility for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I checked my Equifax credit report, I notices two accounts on my report that not mine .I disputed this threes times with Equifax and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below 1.XXXX XXXX/ XXXX Acc # XXXX, Open date XX/XX/XXXX {$4000.00}
Product: Debt collection

This collection Agency has sent me a letter stating that I owe {$690.00} for a organization / company I have been paying, but they also claim I owe them for the same amount. XXXX XXXX XXXX XXXX claims I need to pay the full amount if not then I will sued in court, but they actually did not provide anymore verification about the amount of debt or further information about the company they were hired by to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT MY FATHER XXXX XXXX XXXX PASS AWAY ON XX/XX/2008, ESTATE NO.XXXX, PLEASE SUPPRESS CREDIT PROFILES.
Product: Credit reporting or other personal consumer reports

s by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, CT XXXX XXXX Account number XXXX Routing number XXXX Dear Management, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to formally address a serious issue regarding my account with Capital One, account number XXXX and routing number XXXX. Several months ago, I encountered difficulties with the physical verification process required by your institution. Despite numerous attempts to comply it by online, including multiple submissions of my passport via the online verification link provided, I faced persistent challenges due to my current location outside of the United States. Regrettably, this situation culminated in the closure of my account as determined by your verification department. What concerns me most is the substantial amount of {$8200.00} that remains in the now-closed account. I have contacted helpline multiple times regarding this matter ; however, I have been informed that my account is closed and that an inquiry is ongoing. As a long-standing customer who chose Capital One based on its reputation for serving foreign customers, I am disheartened by the difficulties I have faced. I kindly request that your management take immediate action to rectify this situation. I would greatly appreciate the prompt transfer of my funds to my business account, which is already linked to Capital One. The details for the transfer are as follows : - Bank Name : XXXX XXXX  - Address : XXXX, CT XXXX - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Routing Number : XXXX The funds in question represent a significant amount for me, and I urge you to consider my situation with empathy and urgency. I am hopeful for a swift resolution to this matter, which would restore my faith in your institution 's commitment to customer service. Routing Number : XXXX The funds in question represent a significant amount for me, and I urge you to consider my situation with empathy and urgency. I am hopeful for a swift resolution to this matter, which would restore my faith in your institution 's commitment to customer service. Thank you for your attention to this critical issue. I look forward to your prompt response. 



Sincerely, XXXX XXXX
Product: Bank account or service

On XX/XX/2016 paypal has limited our business account due to the fact that there was a charge back from our client. After speaking with the client who stated he " accidentally '' disputed the charge on thi credit card because he did not recognize nor ever done business with paypal who 's logo was displayed on the bill instead of our company logo. 
Client 's credit card bank XXXX then reversed the disputed charge, deducting the amount from our client 's account and crediting back to paypal ( see attached letter form the bank ). Paypal however claims NOT to have received these funds and is demanding us to cover the negative balance on the account. Our numerous attempts ot resolve this issue with paypal were ignored. We were told to wait 75 days then 90 days and still money is missing ... When requesting a further audit and search for the funds we were told by XXXX that she 's the top fo the food chain and this issue can nto be escalated any higher .... 
please help this is unfair collection practices and wrongful termination of the account case, as well as sabotage of the existing business.
Product: Debt collection

On XX/XX/2020, I received a letter with XXXX County letterhead claiming to be the department of tax administration. It claimed a tax lien and demand for payment. In the body of the letter, they informed me that a copy was sent to my previous employer demanding to garnish 100 % of my income until the debt was settled, and threatened that unless payment was received in full by XX/XX/XXXX, they would file suit at the court. The return to address, and callback numbers listed were to NCC in XXXX, VA ( and to their PO box ) attempting to collect on a debt. I called them to inform that threatening legal action, wage garnishment, tax liens, and posing as county officials was at the least, highly unethical. They hung up on me twice, didn't answer my phone call again, and when I called from my wife 's phone, they picked up and told me " go ahead and call the county '' in a mocking voice.
Product: Checking or savings account

I was charged a substantial amount of overdraft fees and my account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$70.00} for a monthly parking service that I was no longer signed up for. I had called the company at the beginning of this month and they stated the refund would be back in at least 7 days so I did not attempt to cover the costs since they had that 7 day promise. It is now XX/XX/XXXX and no refund had been established and now my credit score is taking a dive because XXXX  XXXX XXXX corporation can not establish their funds back to my card. I paid the charge to my account just so it wasnt going to be a running balance but I am planning on buying a house soon and this parking company is compromising my livelihood and it is out of my control.