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

I received a letter from President Trump today about my direct deposit of {$1200.00} stimulas check, I never received was directly deposited into my account. When I contacted XXXX XXXX XXXX, they claimed the money was deposited into a Netspend account with an account number I do not have?. I still have my paycheck going to my debit card. Netspend never contacted me about my {$1200.00} STIMULAS check, yet they deposit my paycheck into my account every 2 weeks. I've tried contacting them but the answering service states if you are calling about a stimulas check, please DO NOT CALL. You stay on hold so long, nobody ever answers. I sent messages through their email portal. I filed a complaint with IRS and the FTC. I've been with them close to 10 years. Whenever I close a lost card they always have transferred my money. But last year, I had a problem with them making me pay a fee to transfer my money when they issued me a new card. I paid the fee several times before I eventually got all of my funds off of the card. My check went to some unknown account, I do not have. Then they sent me an email and upgraded my account without my asking, which will close the current account. When I got the card, I chose not to close this account. I questioned the reason why they are sending me this brand new card. I chose not to activate the new card. I want my money back into my account. You see, I know that once you activate that card they will hold back money until they get your ID and SSN info again. With the COVID 19 situation, that may never happen anytime soon. So I didn't activate the card.  That's fraudulent and they do it throughout the year. I don't need a new card, I need my money. 

Here 's what I see when I open my account online : Your upgrade is waiting for you! 
XXXX, if you haven't already received your new Netspend All-Access Account By XXXX materials, it will be arriving soon. When you receive it, open your new All-Access Account and activate  your new debit card. 
Account opening is subject to ID verification and account status ; your account must have a positive balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 CHILD SUPPORT ENFORCEM XXXX XXXX XXXX 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: Mortgage

I settled on a home on XXXX XXXX, 2015 knowing that I would sell my previous home within the month. I was told I could request a " recast '' with no problems ( agreeing to a {$300.00} charge ) and have my mortgage lowered to reflect that large payment from the sale of my home. I have been trying to get this information from Stearns XXXX XXXX XXXX since XXXX XXXX, 2015. To date I have not had any response from them & every time I call I get another round of excuses & promises that are never completed. I have spoken with several different representatives and everyone gives me a different story. Three times I was told that the information was either mailed to me or emailed to me ; but, I never receive anything. An automatic answering message states that the last time my loan was analyzed was XXXX 2015. That is when I took out the loan! I have been calling @ least 7 times within the last 6 weeks and have heard nothing from them.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX account was fraudulent open and removed from my account now it has reappeared on my account as a open account again after it was removed saying I have a balance of XXXX the ago was removed in XXXX 2025 and placed back on my credit report in XX/XX/scrub> 2025 which is incorrect and very unfair
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$330.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$220.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$540.00} XXXX. Account name : XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$6000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$230.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$230.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$680.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$6100.00} Inquiries Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX
Product: Credit card or prepaid card

Citibank transferred a charge made to our citibank costco visa to another citibank card, our sears mastercard, 'shop your way '. We don't use the sears card and called and asked that that account be closed as soon as we received the statement. Citi sears continues to call us about payment. We didn't use that card. Citibank must have transferred the charge made with our Citi Costco Visa to the Sears Mastercard. I understand that they were recently sued and had to pay a settlement of XXXX XXXX dollars in XXXX for this same type of practice. I've called both of the branches involved. I've spoken to many representatives and supervisors. We are not getting this resolved in a timely or satisfactory manner. The statement shows a charge for XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX CA for {$210.00}. Again, we used a different card for this purchase. It was not charged to Citi Sears Mastercard 'shop your way. '
Product: Debt collection

Today I just received a letter posted XX/XX/year>. 
Company name American Coradius International LLC. 

According to this letter that only contain XXXX front page, XXXX have a no date when was sent on postage, Meaning USA Postal Service can tell were it was sent from it show I have a amount do of {$390.00} I owed. 

Also it show that Amount due is {$390.00} but Collection also show {$390.00} totaling a full amount of {$790.00} XXXX ) What was purchase? 
XXXX ) Name Retailer? 
XXXX ) Why does the Retailer Have My Address? 
XXXX ) When was last Retailer Contact me on this issues. 
XXXX ) What method of used did the Retailer Used to contact me?
Product: Credit card

{$670.00} - XXXX - This charge was never made by me, yet my fraud dispute was denied by Goldman Sachs. According to the airline- this was made in XXXX XXXX i Live in the US. XX/XX/year> {$21.00} - XXXX XXXX- this charge was fraud and was made in a different country- Goldman Sachs have refused to deal with it. XX/XX/year> {$540.00} - XXXX This was fraud made in XXXX - Goldman Sachs did nothing XX/XX/year> {$120.00} - XXXX XXXX XXXX XXXX this was fraud made in XXXX XXXX XX/XX/year> {$25.00} - XXXX XXXX XXXX XXXX This was fraud made in XXXX XX/XX/year> {$18.00} - XXXX  XXXX XXXX XXXX This was fraud made in XXXX. XX/XX/year> $ XXXX XXXX XXXX XXXX XXXX Yet Goldman Sachs did nothing to refund me after reporting XX/XX/year> {$49.00} - XXXX XXXX XXXX - This was fraud and was reported but Goldman Sachs did not care. XX/XX/year>. 
{$21.00} XXXX XXXX and there was no help after reporting it XX/XX/year> {$22.00} XXXX - XXXX and was reported but no help from Goldman sachs {$100.00} XXXX XXXX. I submitted a report but they never helped and charged me back with no evidence. 
I have called Goldman sachs multiple times only to be told that they will reopen it for reinvestigations and then after XXXX  months they just charge me again with no evidence. These were clearly fraud AS THEY WERE MADE IN DIFFERENT COUNTRIES. yet goldman sachs kept giving me the run around only so I can forget about it. I am suspecting that this started happening after XXXX has sent me a replacement phone due to button issue only for someone else to use my card. BUT GOLDMAN SACHS and XXXX did not care. It seems like I wasent the only one this was happening to.
Product: Checking or savings account

On XX/XX/XXXX, my personal belongings, including my wallet and phone, were stolen from my locked car parked at my residence. Despite my efforts to secure my possessions, a theft occurred, resulting in a series of unauthorized transactions using my financial accounts linked to these items. These fraudulent activities persisted undetected until XX/XX/XXXX, as I received no alerts or notifications from my bank about the unusual transactions, leaving me unaware of the situation. It was only after my account funds had been completely depleted that I was notified via email. Upon discovering the extent of the unauthorized transactions, I filed a claim with my bank, seeking restitution for the financial losses incurred. Unfortunately, my claim was denied on the grounds of alleged irresponsibility in safeguarding my sensitive documentsa claim which I find unjust as the theft was beyond my control. In response to the theft and the subsequent denial of my claim, I filed two separate police reports to document the criminal activity and provided these reports to my bank as evidence. Despite this, my efforts were met with further denial from the bank. I am now in urgent need of recovering my money and am seeking a resolution to this distressing situation.

Found is leaving out clear details in which I fell a victim of. One of those is not only was my debit card stolen but also my back pack that had my phone in it. That phone had my found account logged into by default. Therefore. The thieves who decided to break into my car at my physical residence decided to also go on a spree of criminal acts that I am being held accountable of doing which is not true by any means. Not from me. Not from the local Police department nor my own roommate who witnessed the effect this has had on me. I need my money back. And I can't stop until you return my stolen funds, if matters are not taken care of, my next step is filing a lawsuit in small claims court against the bank itself. 

This is ridiculous and unprofessional of them to not look in to my situation more throughly and understand the amount of distress this has caused me. I will also attach my police reports and complaints I have submitted.
Product: Credit reporting or other personal consumer reports

I have tried several time to have the information on this account be updated. I am not disputing the fact that the XXXX XXXXXXXX XXXX  account does not belong to me. I am disputing the fact that it is reporting as delinquent. The account was paid in full and the remarks on the account is reporting as charge off the account should report as paid in full also it is reporting a high balance of {$360.00} this is also incorrect, the account is also reporting transferred/sold this is incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized hard inquiries appearing on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), Section 604, hard inquiries can only be listed on a consumers credit report when authorized by the consumer or initiated as part of a permissible credit transaction. I have no recollection of authorizing these entities to perform hard inquiries into my credit file.

Under the FCRA, unauthorized inquiries constitute a violation of my consumer rights. As such, I am requesting immediate removal of these inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX the below listed account was removed from my credit file as an inaccurate entry. In XXXX of XXXX the account was reinserted into my credit file with a new late payment once again, erroneously. I requested that an investigation into the reinsertion of this account be conducted, and reasoning as to why a late payment on this account was reinserted to my credit file erroneously be produced to myself after the investigation. I received no response, and the account still remains on my credit file to date. This account has completed devastated my credit score and has cause me much embarrassment. I have attached letter that were sent to Transunion in order to remedy this situation, to which I have received no response. This is the only account reporting any delinquency in my credit file and this information does not match the other two reporting agencies as this account does not exist in my credit file. The account in question is listed below ; XXXX Account numberXXXX I have also requested that inquiries on my account be investigated, and if not provided information of accuracy be removed from my account and have also yet to receive any response from Transunion. The below entries on my credit file are the ones in question and I demand that they be removed if the credit agencies can not provide evidence of the accuracy and legitimacy of these inquiries. 

1. XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase Section 609 states that you need to provide the application that was filled out when this account was opened. The Inquiry was reported on XX/XX/XXXX 2. XXXXXXXX XXXX Delete this Inquiry for fraudulent reporting becuase If the creditor couldn't send me anything, then what are you using to verify this inquiry? The Inquiry was reported on XX/XX/XXXX I have also attached letters in which I have reached out to Transunion in order to remedy the issue but have yet to receive and viable response.
Product: Vehicle loan or lease

XX/XX/XXXX they took the car XXXXXXXX XXXX XXXXXXXX plates number XXXX XXXX, XXXX XXXX, by California law they supposed to send me a letter within 48 hours they never did, breaking California law, also they supposed to send towing company the one that Exeter finance llc hired supposed to send me an itemized letter of everything inside the car. They never did, so I am requesting and demanding that Exeter finance llc reimbursed the {$2200.00} first payment XX/XX/XXXX in the amount of {$1500.00} and XX/XX/XXXX in the amount of {$760.00}, inside the car I had {$700.00} dollars, a red small piggy Bank, coins, like XXXX XXXX XXXXXXXX, car Jumper, valued at {$120.00} tools that I haven't open still in the original packaged, photo albums, a tablet, 2 cellphones, 2 brand new infinity flashlights, a XXXX flashlight, jewelry a gold rings, necklace, high school Diploma, and hvac Diploma, XXXX XXXX XXXXXXXX XXXX, new clothing, dried spices I Bought at XXXX XXXX market valued at {$100.00} battery Jumper cables, medicine, car charger, work tools, drill XXXX, in tools in have over {$5000.00} dollars. I want them to reimbursed me the lost of those items plus {$700.00} in cash, I was not called to retrieve all those items when it repossessed.
Product: Debt collection

CCS COLLECTIONS, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. Company trying to communicate with me through my consumer report which needs to stop. 15USC 1692 CC Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint regarding a case of identity theft involving your company, Transform Credit. Since XXXX, I have been a victim of recurring identity theft, with incidents reemerging periodically as my stolen personal information gets passed on to other criminals. Most recently, on Saturday, XX/XX/XXXX, I received a welcome email from Transform Credit, proposing a credit contract, followed by a second email indicating that an account had been fully set up in my name. 

I immediately responded, informing your company that I had not applied for any accounts and that this application was fraudulent, a result of my stolen information being used without my consent. Despite my clear communication, I received responses from your representatives stating, I can see that you have signed up for a XXXX XXXX account, failing to acknowledge the fraudulent nature of the application. 

While you claimed that the account was canceled, I received another email on XX/XX/XXXX, stating that {$3000.00} has been reserved for me. This demonstrates that Transform Credit has failed to properly flag the application as fraudulent, and continues to treat this application as legitimate.
Product: Checking or savings account

On XXXX/XXXX/XXXX I noticed that an ACH withdrawal for a higher amount than I authorized for a student loan payment posted to my checking account. I called my bank to have them reversed the ACH transaction and they said that they can not due to technical limitations of my account. The only way forward is to dispute the charge and that has an unknown amount of time before the money is returned to me.
Product: Credit card

I traveled to XXXX in XX/XX/year> and returned in XXXX. I used my USAA Credit Card to purchase an upgraded seat on my return flight on XXXX XXXX. The seat I paid for was broken, uncomfortable, and would not recline for a XXXX flight. I attempted to resolve this with XXXX XXXX and they would not issue a refund. I disputed the charge with USAA and they closed my complaint without contacting me. I was then told to write a letter describing what happened and they would re-open my dispute. The dispute was never re-opened and all I got was a notice saying the letter wasn't good enough without them ever advising what else they needed or giving me time to provide anything before just dismissing my dispute.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATION/XXXX  XXXX Balance : {$4400.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$2800.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$4800.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$650.00} XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$0.00}-
Product: Debt collection

On XX/XX/XXXX I received a letter from Valor Intelligent Processing and immediately disputed the debt because its not mine. I asked for the debt to validated and gave them ample time to submit the documents I requested. Now here it is XX/XX/29 and it's suddenly popped up to my credit report, damaging my credit when they've NEVER submitted documents to prove this debt is mine when it's not. At this time I wish to file a complaint not only against the collection agency ( Valor Intelligent Processing ) for failure to comply written documentation to prove the alleged debt is mine. But I also wish to make an official complaint against XXXX for failure to properly validate the debt before applying it to my credit profile.