23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I'm a XXXX male citizen. I'm having problems with verifying my documents. I chose united States when I was that side yet I'm still having challenges. Could please me verify this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the help of the FTC and CFPB with resolving vague and misleading investigations carried out by TransUnion. I've sent them various challenge letter over the last 120 days some of the most recent which I've included below. TransUnion has several times taken more than 30 days to conduct their investigations as permitted in the FCRA. Also, they have repeatedly failed to mark several of these accounts as being under dispute when they received my dispute letters and lastly TransUnion has completely failed to fix countless errors associated with these accounts as outlined in my past challenge letter attached below. I'll be filing my next consumer complaint with the FTC against these erroneous creditors listed on my credit report and against TransUnion to enable them investigate these inaccurate accounts and ensure their deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage and was informed that an alleged debt by XXXX XXXX was reporting on my credit report. I disputed it directly with TransUnion and requested debt validation by XXXX on XX/XX/2019 via certified mail. The disputes follow and have been received by TransUnion and XXXX. I have never received debt validation by XXXX nor TransUnion. TransUnion keeps reporting this derogatory account despite me sending TransUnion evidence that XXXX XXXX fails to respond. According to the Fair Credit Reporting Act, TransUnion must report accurate information. If the alleged creditor, XXXX XXXX, can not provide evidence that I owe them money, then how can TransUnion continue to report a derogatory tradeline? I need TransUnion to provide to me evidence of the debt or delete this account from my credit report. It is damaging my credit and I have requested the evidence of the debt directly from XXXX. I am unable to purchase a home with this issue on my credit report.
Product: Debt collection

Subject : Violation of Rights Under FDCPA and Request for Removal of Debt from Credit Report Dear XXXX XXXX, Thank you for your response to my complaint. However, based on the circumstances described my rights under the Fair Debt Collection Practices Act ( FDCPA ) have been violated, specifically regarding the failure to provide a timely validation notice as required by law. 

Under 15 U.S.C. 1692g ( a ), debt collectors are required to provide a written validation notice within five days of their initial communication, detailing the amount of the debt, the name of the creditor, and the consumers right to dispute the debt. Since I did not receive this notice in a timely manner, my right to dispute the debt within the 30-day period under 15 U.S.C. 1692g ( b ) has been unlawfully impeded. 

As a result of this violation, I am requesting the immediate removal of this debt from my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), once a debt is disputed and found to be unverifiable, the furnisher ( in this case, NRA Group , LLC ) is required to notify all credit reporting agencies and delete the information. Additionally, because the validation notice was not properly sent, this debt is unverified, and continuing to report it would constitute a violation of both the FDCPA and the FCRA. 
Furthermore, according to the Consumer Financial Protection Bureau ( CFPB ) guidelines, failure to follow these procedures could expose NRA Group , LLC to liability under 15 U.S.C. 1692k, which provides consumers the right to recover damages for violations of the FDCPA.

Given that my right to dispute the debt has been violated, I expect that you will : 1. Immediately remove this account from all credit reporting agencies. 
2. Cease any further collection activity until proper validation is provided in accordance with the law.

3. Confirm in writing that the debt has been removed from my credit report and provide proof of notification to the credit reporting agencies. 
Please address these issues promptly, as further violations of my rights may result in legal action to enforce my protections under the FDCPA and FCRA. 
Sincerely, XXXX XXXX This letter highlights violations of FDCPA ( 15 U.S.C. 1692g ( a ), 1692g ( b ) ) and FCRA ( 15 U.S.C. 1681s-2 ( b ) ) and reinforces the legal requirement to remove the debt from your credit report due to the lack of proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company " TOYOTA MOTOR CREDIT '' reporting on my account, replied to my dispute with a notice for deletion of said acct for XXXX.. but refuses to report the same information for the other 2 bureaus i.e XXXX and XXXX with updated information for the acct to be " deleted '' or " suppressed ''
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding an inaccurate collection account reported by XXXX XXXX XXXX on the Equifax credit report, with a balance of {$1000.00}, reported on XX/XX/year>. There is no creditor relationship with XXXX XXXX XXXX, and they have failed to provide any verification, such as an assignment or transfer from XXXX Credit Card, which is frequently blank as the original creditor. In fact, XXXX XXXX XXXX has failed to provide any verification for an assignment or transfer from any original creditor to collect on a debt of {$1000.00} for collections. Furthermore, the Equifax credit report shows that the XXXX XXXX XXXX  account has a {$0.00} balance and was charged off with no outstanding balance owed. This directly conflicts with the balance being reported by XXXX XXXX XXXX. XXXX XXXX  for XXXXXXXX XXXX XXXX  and any accounts acquired show no further balance is owed. As such, XXXX XXXX XXXX can not legally claim that a balance of {$1000.00} is owed without proof of a legitimate assignment or transfer of this debt, which they have failed to provide. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, consumer reporting agencies must conduct a reasonable reinvestigation of any disputed information. Since XXXX XXXX XXXX has not verified the accuracy of the debt, Equifax must delete this account from my credit report. Additionally, under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers of information such as XXXX XXXX XXXX are required to conduct a reasonable investigation when a dispute is raised. Without valid verification, the collection account must be removed. Furthermore, under FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. The conflicting information regarding the balance on the XXXX XXXX XXXX account or any account acquired by XXXX  versus the XXXX XXXX XXXX account violates this statute. The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e prohibits debt collectors from making false or misleading representations. Since XXXX XXXX XXXX has not provided verification of this debt, they are violating this statute by falsely reporting that a balance is owed. Finally, under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information, and since XXXX XXXX XXXX XXXX not verify the accuracy of this debt, the account must be removed from my credit report. XXXX XXXX XXXX can not verify a creditor relationship by and through an assignment or transfer. Based on these violations of the FCRA and FDCPA, I request that the XXXX XXXX XXXX collection account be removed from my Equifax credit report immediately. This is false and incorrect information. I also ask for written confirmation once the account has been deleted. Failure to comply with these statutes violates my rights under federal law, and I am prepared to pursue further action if necessary.
Product: Checking or savings account

Robinhood Bank is holding my deposit by placing my account under review.

I just initiated a deposit from an external bank account after verifying the account. The funds were pulled from my external account and I was waiting for the deposit to become available in my Robinhood account.

That same morning, I was met in the Robinhood app with a message stating my account is under review and I cant make any transfers or investments. I spent almost an hour trying to upload the requested documents through the app and my computer multiple times but it wasnt recognized. I was finally able to upload it and get on the phone with a specialist, who informed me that all my documents were received, but an internal team has to review it, which could take a few business days up to 7-10 business days. 

I still have a pending deposit and the funds are missing from my external account and not showing in Robinhood. Ive never had this kind of issue after years of having this account, now conveniently my account is blocked after I decide to make a deposit from an external account and they hold my funds. 

This is ridiculous and a scam. It was very difficult to submit the verification information and now Im getting the runaround from support, havent received a callback from the supervisor requested by XXXX on the phone. 

Robinhood needs to unblock my account immediately since I sent all required information and make my deposit available ASAP.
Product: Checking or savings account

Money was coming up out of my account and I dont know where it went. I didnt think we could do some about it until now.
Product: Checking or savings account

Experiencing identity theft and trying to figure out why hackers will not leave my home. Discovered that the chip embedded in the debit/credit card is the exact same chip embedded in a mobile cellular device ( XXXX XXXX ). Problem, in 2009 I paid over {$2000.00} in over draft fees that I was confused about. I also have over {$120000.00} in Wells Fargo student loan debt that I believe is inaccurate ; but unable to confirm since the university ( XXXX XXXX ) is no longer operating. Other problem- discovered the chip in my debit/credit card is holding a signal in the wall in a additional bedroom in my apartment. I made a police complaint to the XXXX Police Department a few years ago complaining about the bedroom walls being damaged through forced entry and could not understand why nothing was missing from the apartment ; however, the walls were completely damaged. Would like additional information on Wells Fargo embedded chip in the debit card on reasons why it would be used in a mobile cellular device. Can the bank please confirm if the names are familiar for fraud cases, these are the names I hear in my apartment- last name " XXXX  XXXX " XXXX XXXX " XXXX XXXX or " XXXX '' " XXXX XXXX " XXXX '' " XXXX XXXX " XXXX XXXX " XXXX XXXX, please respond ASAP as I am currently experiencing identity theft and harassment from named individuals.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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
Product: Credit card

I have always ensured timely payments on this account, never allowing them to become overdue. I am unsure about the reasons for the reported late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card

XXXX XXXXXXXX XXXX XXXX XXXXXXXX of XXXX XXXX XXXX refuses to allow customer equal credit account of XXXXXXXX XXXX  and correspondence to customer contains XXXX XXXXXXXX XXXX infringed banking notice data in sabotage to customer by thing XXXX of XXXX XXXX than XXXX spells the characteXXXX XXXX  ' of keyboard and XXXX currency is XXXX toward english legal name that's equal to XXXX XXXX XXXX 
XX/XX/scrub>XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my wife and I was in the car going out of town, I logged into the NFCU online Mobile App into our Joint Checking Account using my wife 's mobile phone. I gave my wife her phone back because I was driving to check our balance. So I had my wife to call NFCU because they had some type of alert message that wasn't pertaining me. 

The NFCU Representative did speak to my wife regarding our Joint Account on XX/XX/XXXX and the alert message. So my wife requested to ask to speak to a supervisor. She told the supervisor about the inaccurate alert message under my login access. The supervisor called the certain Department to have that alert message removed. The supervisor assured my wife the message will be removed under my login access. 

On Saturday XX/XX/XXXX I used my wife phone to try to login using the NFCU App to make sure that alert message was removed, I couldn't get into our joint account using my login as usual. I tried to login using my wife second cellphone I still couldn't get into our checking account. I said maybe something was wrong with NFCU online App over the weekend. 
On XX/XX/XXXX I gave my wife permission to login on my behalf into our joint account because I was at work. We notice we still couldn't access our checking account using NFCU online App. The supervisor from XX/XX/XXXX that my wife spoke to secretly suspended my online access without saying anything to me or my wife because I gave my wife permission to access our online Joint checking to check our balance. This was sneaky and discrimination against my wife because in the year 2000 she filed for chapter XXXX bankruptcy on some of her NFCU accounts. I want my online access back because they purposely suspended my online access without notifying me first. You need to do something about NFCU or I will get a LAWYER and sue them for Discrimination.
Product: Debt collection

In Accordance with the fair credit reporting act 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.
Product: Checking or savings account

I HAVE A TD CHECKING ACCOUNT WITH MY KIDS AS BENEFICIARIES. 

MY KIDS WERE SENT UNSOLICITED, TARGETED CREDIT CARD OFFERS FROM TD BANK. 

I WANT THIS PRACTICE - OF BANKS USING PRIVATE BENEFICIARY DATA TO MARKET THEIR ACCOUNTS AND SERVICES - TO STOP.
Product: Checking or savings account

On XXXX I received an alert that my bank card was being used in XXXX. When asked if this was me I pressed no and immediately called my bank. By pressing no I assumed the transaction would be declined. It was 5 {$100.00} amounts being taken. They put the money back, but almost one month later after an investigation said it had to be me. I have never been in the state of Florida. They said there is nothing they can do.
Product: Debt collection

I received a letter from Harris & Harris dated XX/XX/year>, claiming they were attempting to collect a debt from " XXXX XXXX XXXX XXXX '' from XXXX. The letter claimed a total of {$260.00} was owed, with {$210.00} already credited towards the debt, and {$46.00} owed currently. 

I personally did receive service through a local prompt care center on XXXX, however this service was not through " XXXX XXXX XXXX XXXX '', and the amount owed was none of the amounts stated within XXXX XXXX XXXX ' letter. The prompt care service I received on XXXX was through XXXX XXXX. The bill was not received until XXXX, and was paid XXXX ( confirmation number of successful payment can be provided if needed ). Therefore, the debts stated by Harris & Harris within the letter I received XX/XX/year> either are not mine, or the information stated within their letter is incorrect and is for a bill that was already paid to the correct healthcare group.
Product: Credit card or prepaid card

To : Costumer Financial Protection Bureau XX/XX/2019 URGENT From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX e-mail : XXXX Phone # XXXX This is report of harm, abuse and violation by Chase Credit Card. 

I am victim of Case Credit Card. I have reported over the phone ( conversation recorded ) to Chase Credit Card unidentified charges to my account. Case Credit Card responded that this charges come out from subtracting one credit from another credit and received result of this subtracting Chase Credit Card applied as charges to my account. Case Credit Card begins charge interest from this alleged amount although I have requested correction or dispute. 

Credits to account can be only subtracted from amount to pay. Subtraction one credit from another credit and result applying as charges to account is ridiculous. A asked over the phone ( conversation recorded ) to correct this issue numerous times without success. 

Therefore I described this case by letter and submitted personally to Case Credit Card. Case Credit Card has refused to give me receipt on copy of this letter. I received finally receipt from other branch. 

This case remains not resolved. Therefore I am asking Costumer Financial Protection Bureau for action. 

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

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion clearly have no respect for the laws. Per my previous dispute XXXX claims the account for XXXX XXXX XXXX came back verified. How can this account be accurate if the balance is still incorrect. I demand that XXXX and Transunion update the correct balance for this account or remove the account from my consumer report due to the account balance being incorrect. I have attached a copy of both of my credit reports which proves a reinvestigation was not done.
Product: Checking or savings account

On XX/XX/19 I applied to open an HSBC Advance Checking account in order to qualify for the bonus offer of {$350.00} for opening and funding a new account. The terms stated that you could not have been an HSBC client already and that once you open the account you had to fund {$10000.00} in new money between checking and savings and keep it there for 90 days. After applying for the checking account and getting confirmation that the application was being reviewed, I also applied for a savings account on XX/XX/19 so that when I deposited {$10000.00} it would be able to sit in the savings account earning higher interest. The savings account application was approved immediately while the checking account application was not approved for more than two weeks. I deposited {$10000.00} into savings as was outlined I could. After not receiving the {$350.00} bonus offer in the timeframe that was promised, I have contacted HSBC multiple times and have been told that I did not qualify for the bonus because I already had a relationship with them because my savings account was opened before the checking account, despite the fact that I applied for the checking account first and the only reason that the savings account was opened first is because they pushed through the savings application and delayed the checking application. They are also saying that the money had to have been deposited directly into the checking account, despite the fact that the terms and conditions of the bonus offer simply state that you must deposit {$10000.00} in new money between checking and savings accounts. Nowhere did it state that the money had to be routed first into the checking account. When I kept pressing that I was not satisfied with these answers, they have come back and said I also don't qualify because I did not use the bonus offer link ( which I did ), even though my wife used the same link I did to open an account and received the bonus. They have not offered any evidence of this and there is no way for me to disprove it. I did everything to comply with the terms of the offer in good faith and they are denying that I qualify based on technicalities that they caused.
Product: Money transfer, virtual currency, or money service

i had an account at venmo & they said i needed to give them my social security number. i refused & closed my account. they keep emailing me junk ; i've asked them to stop several times & they've said they've fixed the problem. i've filled complaints with you & others. they've responded, fully admitting they have made errors, but have fixed them. in fact, you recently closed my complaint with venmo after they responded as such & again, said they've fixed the problem. well, guess what? they have not & they continue to email me. this is seriously troubling for such a large financial services firm with millions of customers & massive amounts of peoples ' most sensitive financial and personal information. think about it. if they can't fix a simple problem like this, how rotten must their systems be. i would not be surprised if this loser company had a massive, massive data breach and or other significant problems. please investigate this matter. they obviously can not or will not fix this simple problem. thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ran my credit from XX/XX/year> to XX/XX/year> XXXX
Product: Debt collection

I noticed this debt in my credit monitoring account. I called I C Systems to get information, and I requested they send over the validation notice to my new address. The agent refused and told me that a letter had already been sent out XX/XX/2020. I had moved out a couple months before on XX/XX/2020, so I was not aware of this account. When I told her that, she told me that she will not resend the validation letter again, they already sent it and if I didn't get it it's my responsibility. As of now, I don't know what the account is about aside from what she told me verbally over the phone.