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

I have previously disputed this account with Experian and XXXX and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way credit bureaus were able to verify this! I have filed a complaint demanding a deletion for the unverifiable accounts, Here are the accounts that need to be removed : XXXX XXXX Account Number : XXXX and XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND TRANSUNION ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX  Opened XXXX {$500.00} XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} TRANSUNION PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER XXXX NOR XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX Opened XXXX {$650.00}
Product: Prepaid card

Hello, I am on XXXX due to a XXXX  XXXX. Money went missing from my Money Network card starting on XX/XX/XXXX. I have called them many times trying to figure this out. Someone over the phone finally confirmed that someone got into my account and changed my XXXX XXXX XXXX  transfer account number to another account not belonging to me. Over XXXX has been stolen from me. Money Network asked me to file an appeal which I did as well as giving them a police report case number and screen shots of my bank account deposit history showing that I never received the deposits. 

Ive also spoken XXXX on many occasions and they tell me that once they transfer the money to Money Network this issue is out of their hands which I understand. I have since signed up for direct deposit now that they offer than so that I can avoid Money Network all together. 

Through two letters from Money Network they have denied my case then said that the case is closed. I am on XXXX because I am unable to work at this time. I depend on this money to help me get through this period until I am able to get back to work. I really need some help with this issue PLEASE. 

I tried to attach all screen shots of my Bank Depost activity but could only attach two images. My police report case number is XXXX. XXXX XXXX XXXX took the report information and said you could call him regarding this issue. 

Thank you, XXXX
Product: Checking or savings account

On XX/XX/2024 I opened an account with Skrill for the first time. It's a checking account that offers a physical card and a virtual debit card only when you make your first deposit. at the time I deposited {$1.00} to the account so I could order my card, they pulled the money from my account but it never hit as a positive balance and it never credited back to the original account it came from. Then when I did get a deposit in my other bank account on XX/XX/XXXX and transferred it over to Skrill, they immediately restricted my account for absolutely no apparent reason, and minutes to follow I received an email of them closing my account. I had to wait until the next business day to call and when I spoke to th rep, all he said is they decided to do an audit and my account was flagged as going against their terms and conditions and they chose to close my account. He refused to let me know what terms I violated saying that they can't disclose this information. I asked him why it was open for two weeks with them rewarding me with increases etc, but the very moment I deposit money into my account they decide to restrict it and close it..I asked how I violated their terms and conditions simply depositing money. And he couldnt answer me..I 've attached screenshots of the emails and transactions into that account..it 's like they just waited to take money just to make it difficult to get back..I 'd like to get my money available for use on Skrill, or immediately refunded back to my card it came from with immediate use. This is ridiculous and without jumping through their hoops. This is insane to wait until a deposit is made and instead of denying the deposit, they take it from me.
Product: Vehicle loan or lease

Financed the car through Honda, I ended up losing my job of 12 years with Covid, my identity was stolen and I became homeless moving from places to places a I called Honda to see what can be done and they refused to help. The car is totaled and the reps are now calling me and greasing me to pay the balance when Honda reported already as charge off on my credit report. The vehicle that they are trying to collect on is totalled and I am requesting that Honda removed the negative reporting as they stopped collecting payments since 2019 its been 5 years already.
Product: Checking or savings account

On XX/XX/2023 I notified my bank by filing a claim that I had been charged an additional amount for a good I did not receive, example I ordered XXXX good but were charged for XXXX. 
My bank sent my an email overnight at XXXX XXXX EST XX/XX/2023 that they were changing my case reason, they then sent me a following email at XXXX XXXX  EST XX/XX/2023 saying they were reviewing my case, they sent an email at the same time XXXX XXXX  EST XX/XX/2023 saying they were sending a replacement debit card. Never throughout my initial request did I request a replacement card and I am temporarily living out of state so my debit card is being sent to an address I am not currently at. 
I saw these emails around XXXX EST XX/XX/2023 and contacted paypal by phone at XXXX EST XX/XX/2023. I was transferred 3 times before I got the correct department. The initial representative from paypal debit was not able to provide me a reason why my card was replaced without my consent. I was instructed to update my address and request a new card to the correct address. After updating my address I was unable to request a new card in the app or the link I was instructed to go to. I requested to speak to a supervisor. After being transferred to the supervisor, she told me that it is paypal policy to replace a card when an unauthorized transaction was reported. I have filed a claim before and this has not happened. The supervisor was also unable to request a new card. 
Paypal closed my card without my consent and now are not able to reissue me a new card.
Product: Money transfer, virtual currency, or money service

I purchased 2 money orders in XX/XX/XXXX. one of the amount {$450.00} and the other of {$1600.00} from XXXX cashier and placed them in a mail box. Both money orders was stolen and altered. I did everything in my end to receive my money back. I made a police report and did everything in my end with XXXX cashier to get refunded back. I received my money back for the amount {$450.00} a few weeks ago from XXXX Cashier. On XX/XX/XXXX I received a letter from XXXX  that was sent by XXXX XXXX from the XXXX XXXX XXXX XXXX that my claim was denied because they claim there was no proof of alteration. Since that day I have been reaching out to XXXX via email. I sent her an email to please consider reviewing my case again and sent her 11 attachments of my documents just in case there was something that wasn't sent by XXXX. I not yet to receive and response email back by XXXX in regards to this matter. I am going on a 1 year dealing with this situation. I work hard for my money and gave up {$1600.00} quickly to XXXX and to be refunded this money back has been XXXX and has caused myself and family a hardship and an enormous amount of stressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I realized I had a negative remark on my credit report made by Security Credit Services , LLC in the amount of {$1500.00} ( see negative_remark.jpg ). On XX/XX/2021, I sent them a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see security_credit_services_letter.pdf ). 
I mailed Security Credit Services , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see certified_mail_receipts.jpg ). These letters are tracked and they show that they have been delivered, signed for, and received by a Security Credit Services representative. It has been nearly 40 days and I have yet to receive any response from Security Credit Services.
Product: Debt collection

We recieved a letter in the mail that we owe a unpaid bill for a toll on the XXXX XXXX on XXXX on XX/XX/2021. We were not even in XXXX on that date and we have bank charges showing that we were in XXXX XXXX  on that date. Tried to call the company resolve the situation and they hung up on us. When researching this company on the Internet there were a lot of people complaining about the same problem we are experiencing.
Product: Debt collection

Discover Bank Credit Card- {$1800.00} ( XX/XX/2023 ) I called them and told them this did not belong to me. On XX/XX/2023, stating : As a result of a recent review, we have closed the account referenced above. 

We have taken this action because we were unable to verify the personal information on your account. We will report to the credit bureaus that the account was closed by the creditor, and credit your account with your card rewards balance if you have one. 


It is still on my Credit report after receiving this letter.
Product: Debt collection

Carter-Young INC is harassing and using aggressive tactics to try and collect {$180.00}. I have never done business with this company, nor do I have an agreement or contract with this company to pay make a payment. I do NOT owe this company any money. they have impacted my credit negatively and need to be held responsible.
Product: Payday loan, title loan, or personal loan

I FILED A COMPLAINT WITH YOU AGAINST XXXX XXXX ON XX/XX/2018. THE COMPLAINT NUMBER IS XXXX. WITHING A WEEK, I RECEIVED A RESPONSE FROM YOU AND THE COMPANY, XXXX XXXX. XXXX XXXX SENT A LETTER ATTACHED TO THE RESPONSE THAT DUE TO THE FACT THEY HAD ISSUES WITH THEIR SYSTEM AND NO ONE COULD CONTACT THEM EITHER ONLINE OR PHONE, TO CONSIDER MY ACCOUNT SETTLED IN FULL. NOW THEY WANT A PAYMENT. I ASKED TO SPEAK TO SOMEONE IN THE XXXX XXXX   COMPLIANCE DEPARTMENT AND THE AGENT SAID SHE DID NOT HAVE A NUMBER FOR THAT DEPARTMENT. I NEED HELP. XXXX XXXX NUMBER IS XXXX. I STILL CAN NOT CONTACT ONLINE.
Product: Payday loan

I have made XXXX different payments of XXXX to Northern Plains Funding and none of the money has been credited to my account
Product: Money transfer, virtual currency, or money service

I had a business selling items to customers and a lot of the customers that tried to send me money for the product was not able to do so. I missed a lot of money because of this and eventually had to stop selling items since after a while I was no longer consistent
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
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. Please delete the items as soon as possible. 
Inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX " XXXX '' conducted two back to back hard credit inquiries on my XXXX  credit reporting account. On that same day, they also submitted a hard credit inquiry on my TransUnion account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX of XXXX XXXX, KS ) on XX/XX/XXXX, XXXX Who also conducted a hard inquiry on my TransUnion account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is JEFFERSON CAPITAL SYSTEMS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, JEFFERSON CAPITAL SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) JEFFERSON CAPITAL SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationJEFFERSON CAPITAL SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where JEFFERSON CAPITAL SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.JEFFERSON CAPITAL SYSTEMS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Checking or savings account

I recently opened a checking account with Citizens Bank in XXXX of 2021. I opened this account by clicking on a link that demonstrated a bonus for starting the checking account that included {$100.00}, {$2.00} per transaction made with the debit card for up to 50 transactions. I completed these 50 transactions and then inquired with the bank as to why I did not receive the bonus. They stated that the transactions had to be " in-person '' transactions with the physical card, however, their terms and agreements state that the transactions can be " in person '' or " online '' transactions with the debit card. I called Citizens Bank again to try and rectify this situation, and the representative stated that they could not provide me with the bonus unless I told them over the phone the promo code I used to sign up for the checking account. I asked them why this was necessary, as I must have entered the promo code into their website when signing up so they should have a record of what promo code I used, however, they stated they did not have this information. The promo code was on a mail flyer that I have since thrown away after opening the account back in XXXX. There was no statement on the mail flyer that I must keep that flyer so that I could receive my bonus four months later. I'm not sure what the point of entering the promo code during sign-up is if I just have to recite it again four months later when it comes time to receive the bonus. I completed the bonus requirements and feel as if Citizens Bank wrongfully coerced me into opening up a checking account without providing the bonus they stated they would be providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I deposited a check from a potential employer that turned out to be a bad check. I did not remove any funds from the my account after depositing the check and let Chase flag the check as insufficient. My issue is that even though I committed no crimes and took no money from the bad deposit, Chase has added my name to a registry of fraudsters/ or potential fraudsters. Every bank I have encountered since has flagged my account as high risk and potential fraud. Some have denied me an account, and I even had a bank hold my money for 30-60 days while they investigate me. I think it is unfair that chase can add my name to a list that prevents me from transacting without ever committing a crime. There is no accountability to them and they are able to keep my name in the registry indefinitely with no answers to me. They wont even provide the name of the registry that my name has been added to. This is violating my rights and prevents me from providing for my household.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I previously had a complaint submitted. My Submission number : XXXX when I called the the XXXX number I was informed by a female who answered the phone they ca n't provide any information on the complaint and that i need to resubmit another complaint. I received a debt validation letter from attorney XXXX office who represents Velocity Investment, LLC. Account Name : XXXX XXXX and Original Creditor is XXXX. XXXX XXXX and his client has the name under XXXX. I sent XXXX XXXX several certified letters requesting any documentation that has a loan made under XXXX XXXX. I do n't recall making any loan under that name with XXXX. I was a victim of identity theft and just want to make sure that XXXX XXXX and his client provided the proof of documentation.
Product: Credit reporting or other personal consumer reports

My federal students loans that are currently active and open with the Creditor ( Aidvantage ) are being deleted from my credit report ( Transition, Experian, XXXX ) resulting in a score decrease. This first happened with XXXX ; after multiple phone call, I was able to get them to insert the loans back onto my report. Days later, the same thing occurred with Experian. I was informed by my student loan provider that for some reason, the bureaus are removing the accounts since they are over XXXX XXXX XXXX. I am unsure how this is happening but it is affecting my scores negatively. I need to ensure the bureaus are accreting reporting my information.
Product: Credit reporting or other personal consumer reports

Demand Letter for Security Freeze and Enhanced Security Measures Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX LexisNexis XXXX XXXX South Carolina Department Of Insurance Pennsylvania State Attorney Generals Office -Insurance Fraud Division South Carolina Treasury Department FTC NC Attorney General Insurance Fraud Division NAIC NC STATE TREASURY -Fraud department PA Attorney General Crime Omnbundsment department XXXX XXXX XXXX XXXX On Behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Security Freeze and Enhanced Security Measures XXXX XXXX This letter serves as a formal demand for immediate action regarding the identity theft suffered by XXXX XXXX due to the recent data breaches at XXXX and XXXX. 

Background : XXXX XXXX has been a victim of identity theft following the data breaches at your respective companies. As a result, she has experienced unauthorized attempts to open insurance policies and lines of credit in her name. 

Demands : We demand the following immediate actions to protect XXXX XXXX 's credit and financial security : Security Freeze : We request that you immediately place a security freeze on XXXX XXXX 's credit report with your respective companies. This freeze should prevent any new credit accounts or lines of credit from being opened without her explicit authorization. 
Enhanced Security Measures : We further demand that you implement enhanced security measures on XXXX XXXX 's credit file. Specifically, we request that any attempt to open a new insurance policy, line of credit, or loan in her name be subject to an additional layer of security, requiring a unique security PIN or phrase known only to XXXX XXXX. This will ensure that any future attempts to open accounts in her name are subject to a more stringent verification process. 
Legal Basis : We are exercising our rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws to demand these security measures. 

Consequences : Failure to comply with these demands within 14 business days will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies under the FCRA and other applicable laws.

Verification : We request confirmation of the implementation of these security measures within 14 business days. Please provide written verification of the freeze and enhanced security measures, including any specific instructions on how XXXX XXXX can manage her security freeze and PIN/phrase. 

Contact : Please direct all correspondence regarding this matter to the contact information provided above. 

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

I am writing to file a formal complaint against TransUnion, a credit reporting agency, regarding an unresolved issue with a dispute I submitted. 

On XX/XX/year>, I filed a dispute with TransUnion regarding an inaccurate entry on my credit report. After the dispute was reviewed, TransUnion informed me that the dispute was approved, meaning they acknowledged the information in question was incorrect. However, despite this approval, the inaccurate information was *not* removed from my credit report, and it remains listed as if no action was taken. 

I have made multiple attempts to resolve this matter directly with TransUnion, but the issue persists, and the inaccurate information continues to negatively impact my credit report.

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically Section 611 ( 15 U.S. Code 1681i ), credit reporting agencies are required to investigate disputes within 30 days and promptly correct or delete any information that is found to be inaccurate or incomplete. The FCRA also mandates that any information found to be inaccurate or unverifiable should be removed from the consumer 's credit report. 

Despite this, TransUnion has failed to comply with these legal requirements, and I am seeking assistance from the CFPB in ensuring that my rights under the FCRA are upheld and that the inaccurate information is removed from my credit report without further delay. 

I would appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue as soon as possible.