23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I submitted a dispute with Navy Federal Credit Union regarding a {$150.00} purchase made through XXXX. The third-party vendor failed to fulfill the products or services. Despite numerous attempts to contact the vendor via phone and email, I received no response. Further investigation into reviews revealed numerous complaints of fraudulent practices by the vendor. Initially, the vendor had positive reviews, but I now believe these were falsified to deceive consumers. 

XXXX 's terms state that fulfillment is the responsibility of the third party, but they also require merchants to comply with laws and regulations to ensure their offerings are not fraudulent. When I disputed the charge with NFCU, I explained that I had clicked the " redeemed '' button because the coupon code was used, not because the product or service was actually received. 

On XX/XX/XXXX, NFCU ruled in favor of XXXX. I requested a second review on XX/XX/XXXX, emphasizing that none of the promised services were delivered. I was supposed to receive a consultation, approval, an additional fee, and then the product, but none of these steps were initiated. On XX/XX/XXXX, NFCU again ruled in favor of XXXX, stating that because I had " redeemed '' the voucher, they could not reverse the transaction. They argued that because the transaction was completed through XXXX and not directly with the merchant, and because I willingly provided my debit card information, it did not constitute fraud or theft, despite no services being rendered. 

XXXX provided NFCU with their terms and conditions, stating that the merchant is responsible for delivering services and goods, and that XXXX is not responsible for ensuring delivery. While this is true, NFCU should have examined all terms and conditions, including those requiring merchants to comply with laws and regulations. Failure to fulfill services constitutes both fraud and theft under these terms. NFCU should have requested a complete set of terms and conditions from XXXX, not just the parts that aligned with XXXXXXXX XXXX interests. Had they done so, it would have been clear that the vendor was not in compliance with regulations and should be banned from listing on XXXX. This should have been a key factor in the investigation and determination of the outcome. 

NFCU has failed to protect their customers from fraudulent interactions by not considering this case as theft or fraud, even though XXXX terms and conditions would. I feel that NFCU did not conduct a thorough investigation to ensure that all terms and conditions were upheld. Instead, they relied solely on the " redeem '' stamp as evidence of a completed transaction. NFCU should review all terms and conditions in their entirety, not selectively.
Product: Credit reporting or other personal consumer reports

I have found fraudulent hard inquiries on my credit report, the inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off in aggressive amount of money through collection companies signed up with agreement to the bureaus experian and i have paid XXXX in XXXX with agreement that 30 days max that it will not show on report. Now i have a son to support and my score has went up but the accounts i paid off still shows even though it shows paid its stops me from getting a loan, in desperate need to get an place to live and support my son. I want the accounts paid all taken off my report. My score Jumped 70 points since XXXX, i was victim of fraud in 2017 amd the credit bureau promised it would not be shown paid but off my record 100 % that was deal with the lawyer said 60 days max. I need my score to go up snd will jump another to tier 2 maybe even 1 i have done my part i have no more $ $ for companies to want to fight for me. Im close to losing everything cause i have done what was rite snd paid debt. Please please just help and look that i have paid snd please take off my report the things i have paid
Product: Credit reporting

Personal Information Errors : Wrong name and address I 've never lived at or used as a mailing address : XXXX XXXX is the wrong nameXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address ive never lived at or used as a mailing address.
Product: Money transfer, virtual currency, or money service

XX/XX/year> My brother ach transfer to my account to amount of {$10000.00}. 

My checking account is chime As known as XXXX XXXX XXXX XXXX 

Today is XX/XX/year> and haven't received money. 

I called chime XX/XX/year> and they said don't see any transfer money
Product: Debt collection

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I began going to XXXX XXXX XXXX as recommended by my doctor. I received one bill from them sometime in XX/XX/2021, I suppose after they had charged my insurance. I went online to pay the bill but their payment portal was giving me issues. I called the location and, in turn, they had to call another location for assistance. I was then informed that they do not take online payments. After that call, I made several attempts to pay by cash at ghe location but was told they do not accept cash, by phone via credit card but something was wrong with their system, etc. I was supposed to get a call back but I suspect it slipped the mind of the receivables department. It also slipped my mind. I never received any other correspondence from the company. I then thought about it either XX/XX/2021 or XX/XX/2021 and went to the location to pay and was told that it had gone to collections. I was goven the information on the collections agency. That is when I found out that that agency has already reported the account to the credit bureaus. I had received to communication from the agency at all nor any communication from XXXX XXXX XXXX since XX/XX/2021. The bill was for {$280.00} originally. I pay my bills and would had no issue paying this one either. The {$420.00} includes a collection fee of approximately {$130.00}. I called the collection agency to pay the fee after having a conversation with the representative on the account. He stated to me that if I paid the agency would remove the account from my credit report. I asked for that in writing but was told that the agency doesn't have to do that and that I would just have to take their word for it. This seems like bad practice all the way around fron the XXXX, to XXXX XXXX to the way the credit bureaus ( XXXX and Equifax ) handled the whole thing. This issue dropped my score from over 800 to mid 700s and now I have a derogatory mark on my report for nothing.
Product: Debt collection

I asked Endpoint Resolution XXXX to please stop calling and they continued, they called continually. They told my brother and daughter about the debt owed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  deleted lvnv funding and they two weeks later added back to the credit file, this a clear violation of the FRCA and FDCPA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXXXXXX XXXX XXXX XXXX... 
XXXX XXXX XXXX - XXXX... 
XXXX XXXX - XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Debt collection

Radius Global Solutions, LLC located in XXXX, MN contacted me by mail in XX/XX/XXXX to collect a debt owed by my spouse for XXXX XXXX  completed for him by XXXX in XX/XX/XXXX in the amount of {$230.00}. 

Radius LLC stated they would send a negative report to the credit bureau ( s ) for me, if the above amount was not paid within 30 days of their dated correspondence XXXX XXXX XXXX ). 

I sent Radius LLC a certified letter on approximately XX/XX/XXXX, informing them that this was not my debt, and that I had not signed in approval of any services rendered in connection with this debt, or any other related debt for my spouse. Further, I notified Radius LLC that, unless they could provide me documentation that this is my personal debt and I am legally liable, they should not contact me for attempted debt collection, nor report derogatory information about me to the credit bureaus. In the meantime, I also notified Radius LLC I would report this issue to the Texas Attorney General, which I did ; my complaint was confirmed as received, as of XX/XX/XXXX. 

In sum, I have received a billing statement originating from XXXX, which identifies my spouse, as the patient, for whom his doctor requested testing. I have never met or spoken to his doctor. This billing statement in my spouse 's name does not confirm my financial responsibility for services provided. It only supports the fact that my spouse is the sole party who signed and authorized services at that doctor 's visit. My spouse is, therefore, financially responsible. Radius LLC should be contacting him, alone. 

These debt collection practices are beyond unfair. They do not seem legal.
Product: Debt collection

Credit Collection Services XXXX XXXX XXXX XXXX, Ma, XXXX Subject : Dispute of Collection Account ( XXXX ) Dear CFPB, I am writing to dispute the validity of the collection account associated with ( XXXX ) on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in PA . If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I made a mobile check deposit of {$50000.00} into my Bank of America checking account on XX/XX/2022. At the time of the deposit, I was provided a notice saying that the funds would be available XX/XX/2022 by XXXX. I subsequently received a notice on XX/XX/2022 stating that an " extended hold '' was placed on my check " because check specific information indicates item may be returned. '' I called Bank of America on XX/XX/2022 and spoke XXXX ( BoA Employee # XXXX ) who is a Supervisor of Consumer Deposits. I asked why an extended hold was placed on my check but XXXX was not able to provide a reason or justification for the extended hold. I explained to XXXX that I've been a Customer of the Bank for over 22 years with zero occurrences of returned checks on my account. Additionally, I informed XXXX that the maker of the check ( XXXX XXXX XXXXXXXX ) is the largest independent retirement savings company in North America with over 40 years in business and over {$400.00} billion dollars under management. Despite providing these additional details, XXXX was not willing to lift the extended hold or provide any details on why the check was being held until XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the ongoing dispute regarding a collection account that is inaccurately listed on my credit report. Despite my repeated efforts and communication with your company this erroneous entry continues to affect my credit score adversely. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked both Experian and XXXX the collection Agency Riddled with thousands of complaints to both show me rhe valifity of some debt I dont have any recollection of and I have been gone from the area for 15 years. That is a fact and would expect both agencies to hold to the highest standard of the FCRA and the Fair Debt Collection Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TransUnion Consumer XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Intent to File Lawsuit for Continued Reporting of Fraudulent Discover Bank Account Dear TransUnion Dispute Department, This letter serves as formal notice of my intent to file a lawsuit against TransUnion for willful and negligent violationsof the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] due to your continued reporting of a fraudulent XXXXXXXX XXXX credit card account on my credit file. Despite submitting a Federal Trade Commission ( FTC ) Identity Theft Report, a police report, and multiple dispute requests, you have failed to remove this fraudulent account, causing significant financial and reputational harm. 
Details of the Fraudulent Account : * Creditor Name : XXXX XXXX XXXX Account Number XXXX * Date Opened : XX/XX/XXXX * I have provided sufficient documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block fraudulent accounts when a consumer provides an identity theft report. You have failed to comply with this obligation and have instead continued to report inaccurate and damaging information. 
Due to your willful noncompliance, I am prepared to file a lawsuit against TransUnion in California Federal Court for the following violations : 1. Failure to block fraudulent information as required by FCRA 605B.

2. Failure to conduct a reasonable reinvestigation as required by FCRA 611.

3. Continuing to report inaccurate information in violation of FCRA 623.

I demand that TransUnion : 1. Immediately and permanently remove the fraudulent XXXXXXXX XXXX account from my credit report. 
2. Provide written confirmation that this account has been deleted from my file.

3. Cease and desist from any further reporting of this fraudulent account to lenders, creditors, or other third parties.

If I do not receive written confirmation of full compliance within 15 days, I will proceed with legal action seeking statutory damages, actual damages, punitive damages, and attorneys fees as permitted under FCRA 616 and 617. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office regarding TransUnions continued failure to comply with federal law. 
This is your final opportunity to resolve this matter before legal action is taken. Please respond in writing to confirm compliance by XX/XX/XXXX Sincerely, XXXX XXXX XXXX
Product: Debt collection

After TRS responded and your agency closed the complaint, the agency is trying to get those funds back..
Product: Credit reporting or other personal consumer reports

Major credit breach while all my information were leaked out through the black web
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Checking or savings account

I closed the Navy Federal Credit Union bank account checking and savings. However, they reopened the account only due to money i owe them on a credit card. The actual debit is at a credit and collection company. Little over {$11000.00}. This is causing me significantly issues with me receiving medical assistance. The institution will not provide me a letter of closure. And the collection company doesnt have that information to provide me. I closed the account around XXXX i dont have those records anymore. It exceeds the 3-5 years of documentation requirement for proof to the state for tax reporting. I am on XXXX and have been for over XXXX or more. The state of Colorado hasnt inquired about this account in the previous 5 years. I dont know why they wont give me my benefits that Ive had for the last XXXX years. They are saying i have to provide proof of amount in this account. I DONT have this - its not a open cash account- its only open because of the debit they are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them. 

I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back. 

I called multiple times to remove the billing, they billed me through XXXX of XXXX, XXXX additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use. 

XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection.
Product: Credit card

The customer service number for HSBC personal credit cards is not reachable. I can not cancel the card if lost or stolen, nor can I reach any person to discuss my account. When I called the business line, the representative I spoke with tried reaching the personal credit card customer service number ( XXXX ) XXXX, and she informed me that she could not get through either. This is not the first time I have not been able to reach HSBC. Supposedly, their hours at XXXX - XXXX ET. There have been multiple instances I had been " transferred '' and hung-up on. Their phone system is absolutely deplorable. This is not how a company operating in the US should be conducting business. Please help, I have multiple issues I need to get resolved but am unable to reach anyone at HSBC who can help.