23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have a pre-paid debit card through XXXX issued by US Bank National Association out of XXXX. XXXX processed a refund in the amount of {$490.00} on XXXX/XXXX/2016 at XXXX. It immediately appeared as complete in my online account and mobile app balance. When I call the account information line it notes my available balance as {$490.00}. There is even a debit of {$27.00} made on my account on XXXX/XXXX/2016 on XXXX AFTER the credit leaving me with a balance of {$490.00}. Yet I can not use my card to make purchases or pay bills. I called the customer information line twice and was told both times that it can take 24-72 hours for a refund to appear on my account because they put a block on it to guard against fraud. This does n't happen if I return an item at XXXX - the funds are instantly available and this is no different than any other electronic transaction. I asked when I would know when I could access those funds and I was told by both representatives that I should try to make a purchase and see if it will go through. so as I understand it I am supposed to take goods to a counter and present a card to see if I will suffer the embarrasment of it being declined jsut to see if my finds are available to me yet, even though everythig I see and hear tells me they are available. This is copied directly from my online statement : Card # XXXX Balance {$490.00} Rewards PointsUnavailable Last Login XXXX/XXXX/2016 XXXX CST Card Information Card Activity Statement Change PIN Card to Card Transfer Recharge Your Card Mobile Alerts Direct Deposit Form Pay Bills Card Activity " RP '' indicates Recurring Payments TimeCard No.Description/MerchantStatusAmountBalance XXXX/XXXX/2016 XXXX VISA PURCHASE XXXX # XXXX, XXXX Complete- {$27.00} {$490.00} XXXX/XXXX/2016 XXXX PURCHASE REFUND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complete {$490.00} {$520.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I have noticed XXXX transaction appeared on my PayPal ( PP ) account which were charged to my linked checking account and not credit card as listed as preferred form of payment in my PP account. The company representative in the XXXX gave me contradictory answers why that is ( first they claimed my credit card rejected the payments ( it didn't after I received info from them ) and on the second call I was informed that it was a " glitch '' that affected other customers as well. I requested the PP to rebill the transaction to my credit card as originally designed and requested. It refused so I contacted my bank and had the XXXX transactions reversed. So instead of redoing the transaction in the correct manner the retaliated and froze my PP account requiring ad additional security info. It is really insidious and cynical since I never told PP that these transaction are invalid but simply wanted them to do process in a correct form of payment. Also PP refused to answer any questions as this is the first time this type of issue happens in my XXXX years of using this service.
Product: Debt collection

I sent a debt validation to the collection company ( Midland Funding ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company added interest on the account {$280.00}. The original balance of the charge off was {$750.00} and the company is stating that I owe {$1000.00}. I called the company ( MIdland Funding ) and asked why is there interested added to the account after the charge-off and asked for a signed agreement from the original debt collector. I was told that the interested was add in XXXX with no reason to why it was added and that they had no signed agreement even stating that the account belongs to me. There is no proof of the company being able to add interest or even if the account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I tried to contact Equifax by email and ran into the same problem I had in my inability to obtain a report. Equifax told me to enter a verification code from my email address. Instead of receiving a verification code, I got something that can only be described as a phony email. In both cases, I received the following : From : no-reply@email.equifax.com Sent : Tuesday, XX/XX/XXXX XXXX PM To : XXXX Subject : Your One-time Verification Code Enter your one-time verification code to access your account SIGN INTO MY ACCOUNT Your Verification Code Dear XXXX, Thank you for requesting your verification code by email. To complete your authentication, use the following code : Please note that this verification code will expire in 30 minutes.

If you did not initiate this change or believe an unauthorized person may have accessed your account, please contact Equifax support. 
Sincerely, Your Equifax XXXX XXXX  Team Privacy Policy | Terms of Use | FCRA Copyright Equifax XXXX Please do not reply to this email. For help, visit Equifax XXXX
Product: Debt collection

The credit company calls repeatedly. They will call as early as XXXX on Saturday and have even called me during church service on Sunday. They will call about 8 to 10 times a day. they send emails and other letters and I feel like this is harassment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, I am writing to dispute the recent collection activity on my account, referenced by XXXX  I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter.

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt.

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts.

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies.

Please respond in writing within [ 15 days from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$22000.00}.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

First and foremost, I have observed incomplete account numbers listed on my credit reports. These incomplete numbers have made it difficult for me to identify and verify the accounts in question. I kindly request that you review and update the account numbers to ensure they are accurate and complete. 

Furthermore, I have noticed discrepancies in the aggregation and organization of the information between the three credit bureaus. The way my credit history is presented differs significantly among the reports, causing confusion and uncertainty about the accuracy of the data. It is imperative that the information across all three reports is consistent and organized in a clear and coherent manner. 

In addition to these issues, I have identified instances of inaccurate reporting in my credit history. Certain accounts contain errors, such as incorrect balances and payment histories, which have adversely affected my credit score. I respectfully request that you conduct a thorough investigation into these inaccuracies and rectify them promptly. 

Moreover, I have not received adverse action notices in cases where my credit applications were denied. The Fair Credit Reporting Act ( FCRA ) mandates that consumers be provided with these notices, and their absence has raised concerns about my rights under this legislation. 

Lastly, I have previously submitted disputes to your agency regarding inaccuracies in my credit report, but I have not received timely responses or resolutions to these disputes. I kindly request that you prioritize the investigation and resolution of these disputes as required by the FCRA. Here is a list of the inaccurate accounts that are also highlighted on my evidence that is uploaded. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

ATTENTION : CONSUMER FINANCE PROTECTION BUREAU In a period that includes less then 30 days, EQUIFAX, has feloniously and fraudulently altered my credit report in retaliatory tactics to try and coerce me to stop me from disputing and making complaints if their negligence and unethical practices. For the last 30 days EQUIFAX, has stop me from viewing and obtaining up to date information of my credit file to make sure they are abiding by mandates and standards. As is my right as a consumer. Ive been able to still maintain alerts thru other products Ive had long time service with that monitors my credit report. Today for the 3rd time I received an alert that changes were made to my EQUIFAX credit report that were negative. Today for the 3rd time I received an alert that an account that has been closed and charged off at {$180.00} and has accrued a month to month balance to date in the amount of XXXX ; was again fraudulently and feloniously reopened and and reported as currently missing payments. The first time it was XXXX payments, days later it is now XXXX payments. These are erroneous and criminal additions to my report ; especially while being in an investigative state, and EQUIFAX is doing its due diligence to not conduct and do business by standards and mandates, but by its own egregiously abusive and malicious mandates and regulations. This is an extreme infringement on my rights and I demand they be held accountable, responsible, and accessory as well to in the beginning XXXX XXXX XXXX abusive and fraudulent attempts, to now being an individual owner in the injury and harm I have received from a company that is supposed to protect and report accurately ; not abusively and feloniously. As well as the above, in attempts to further cause me injury by not being able to dispute or rectify, I called in today and spoke to a representative named XXXX, I immediately before prompt gave pertinent information, same information on my report to establish and verify my identity. I still was made to answer security questions, same questions Ive always answered as correct and was further denied ; despite being same answers on my report and same questions from previous call days ago. This is tampering with my credit file to hinder me to consumer and owner of said file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I do not own the alleged debts seen in my credit reports I disputed accounts on my credit report and there was no change. So, I sent a notice of inaccurate furnishing to each consumer reporting agency. 

There was no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I submitted a letter from a previous landlord to all three credit bureas for removal. XXXX and XXXX removed the judgement from my credit report. Equifax refuses to remove it with the same documentation that was submitted. The judgement is five years old. I spoke with XXXX XXXX XXXX sessions court on XXXX/XXXX/2016 to see if they provide a letter that states something is VACATED and they stated that this was the only letter that they provide to anyone, which states please satisfy on credit report. Equifax wants a letter that is stating the word VACATED, XXXX XXXX court says the letter they give to anyone will never say VACATED and they do n't know why they are trying to keep it. Yes I understand the credit bureaus rules and regulations. But, what I do n't understand is why XXXX and XXXX removed it completely from my credit report with the same letter and Equifax WILL NOT. I have went through all the proper procedures to have this removed from Equifax and again no problems with XXXX or XXXX. Attached is the official document from the XXXX XXXX XXXX XXXX Court. I would just like for Equifax to comply as XXXX and XXXX did. If all XXXX credit bureaus are under the same fair credit reporting act rules why would XXXX and XXXX remove it with no problems and Equifax try and hold on to it. This is five years old. Please help resolve this matter. You may verify this letter with the XXXX XXXX XXXX all information is valid. Thanks in advance and Have a Great Day. 

XXXX
Product: Credit reporting or other personal consumer reports

On several occasions, I have sent dispute requests to XXXX, Equifax and XXXX and they are failing to respond to any dispute requests! This does not make any sense that these people are governed to respond to dispute request, and they are not. As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. I have not received any updates on these below accounts in question : XXXX ) XXXX Verification of the accuracy of the disputed information. 
XXXX ) XXXX XXXX XXXXXXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX- XXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX XXXX XXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX  XXXXVerification of the accuracy of the disputed information. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I'm a XXXX homebound senior and have been reliant on caregivers for the past 30 years. The Moore Law Group, XXXX XXXX, California is trying to get a judgement against me for purchases on a XXXX credit card that I did not authorize. I have asked the Moore Law Group for proof as to who applied for this card in my name and other information. I requested these specific details so I can adequately defend myself in court. The Moore Law Group is refusing to provide the information. My only source of income is Social Security XXXX, therefore I can not claim responsibility for bills that I did not authorise. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX AV XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/22 I reported fraud on my account. They shut down my debit card and replaced the funds. The fraud case was closed. They have since placed a suspension on my account. I have done everything they have asked me to, but they still refuse to give me access to my account or any updates on when they might grant me access. They will not allow me to speak with any upper management, but tell me to keep calling back to check up on it. Every time I call, they charge me a fee for calling. They are holding roughly {$14000.00} with no end in sight. This is concerning the New Mexico unemployment Eppicard which is owned by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX noticed for fraudulent closed accounts appearing on my credit report these accounts are hurting my credit report I have attached an FTC report and other supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough investigation on my Experian, XXXX XXXX and XXXX credit report. They said they did a thorough research on the accounts. They never provided proof after I asked and requested them too and proceeded to keep the accounts on my credit profile without proper investigation and proof of original signatures and contracts. I found discrepancies and inaccuracies on the accounts and asked them to be removed them and they refused. 
Below are the following accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive checked my credit report, and realized someone applied for loans using my information that I DID NOT authorize. There are UNVERIFIABLE inquiries showing on my credit report that I would like removed immediately. XXXX XXXX, as well as Experian are reporting these UNAUTHORIZED inquiries, the inquiries are as follows : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Experian : XXXX XXXX XXXX. 

I would like these inquiries removed from these credit entities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX  ( XX/XX/XXXX ) 4. XXXX  ( XX/XX/XXXX ) 5. XXXX  ( XX/XX/XXXX ) 6. XXXX  ( XX/XX/XXXX ) And I would like these inquiries removed immediately, or provide me with physical documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a XXXX party. 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 XXXX USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have had a judgement on my credit report for XXXX years about XXXX XXXX Inc/ Serenade Apartments. This judgement was satisfied and I exceeded the disposition taken to not have any repercussion against me. However, I have dispute this transaction several times and received the same outcome with it being on my credit. I believe that there are XXXX claims with this entity against me. I will be providing documentation to dispute.
Product: Payday loan

XXXX XXXX in interest so far just got in trouble with too many payday loans and now almost all my check is going to pay these things off I can no longer pay these fees and interest any longer and have told them not to call my employer but they do HELP!!!!!! these companys need to stop doing business in massachusetts