23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Remitly responded to my original complaint of identity theft and fraud of {$1800.00}. They stated they would be refunding me the {$1800.00} on XX/XX/XXXX, and it would take XXXX business days to be processed to my account. As a victim of identity theft, I've closed my bank accounts down. My bank stated if the refund was received, it would be returned to sender. I called Remitly on XX/XX/23 to try to request the refund be mailed to me as a check for {$1800.00}. The first representative wasn't cooperative, and stated they have no supervisors when I asked to speak to one. I hung up. The second representative tried getting a supervisor on the phone, but was unable to do so. She stated that a supervisor will call back within XXXX hours. This didn't happen. I would like a check for {$1800.00} mailed to my address that Remitly has on file from the fraudulently set up account since I am not comfortable with nor will furnish my new bank account information to them.
Product: Debt collection

I received multiple emails and letters stating the bill is past due when i've already paid it off
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried to sign in to Experian to verify that I still have a security freeze in effect. When my user id and password did not work, I was given several other ways to log in. 
One of the ways asked for my birth date and social security number.

I entered the correct information but the system said they did not match.

I tried numerous times. 

Then I called their customer service number. I got an automated voice. I was asked to verify my information. They it asked what I wanted help with, giving as the first option " freeze or unfreeze a credit report. '' There was no option for log in help, so I said " freeze. '' They referred me to the web site to get help and hung up.
Product: Credit card or prepaid card

NetSpend is refusing to activate my prepaid visa debit card I purchased in a store and also loaded money on. They say they'll send a check in the mail but could not tell me when they'd send the check could not tell me why they wouldn't activate the NetSpend visa prepaid debit card
Product: Checking or savings account

I put in a claim regarding an OLD apt I was leasing where the company still has not give me my refund in monies as promised to me several times. At any rate, Capital One sided with them without proof on my end that the company did in fact, in writing, state that a deposit was due to me but as of date I still did not receive the funds. The agent at that time told me he would put in place that they would not go back in to retrieve the money back from me. Weeks later as stated Captial One took the money back from me in my claim. Recently, I paid my rent at my NEW apt to then be told my funds were returned due to me putting in a stop payment on the transaction. I stated to the company I would never stop my rent and they conference called with me and Captial One with Capital One stating nothing was wrong with my account and they merchant never did a transaction to retrieve the funds. The merchant suggested for them to do an investigation as they had a transaction ID to proof they tried to retrieve the funds. Captial One got back to me the next day admitting they incorrectly gave me the wrong information as they put a stop payment on the transaction as coincidentally the NEW apt community uses the same payment system as the OLD community. At that time a manager stated they fixed the situation and that the merchant could go back to retrieve the funds. A couple of days later the NEW community told me again that I placed a stop payment which I did not. We did another conference call and we were told yet again they had nothing in place to prevent the funds from withdrawing. After being transferred several times, we found out that the lift was never done and the merchant suggested that even though a fee will be assessed with it, for me to make a debit card payment which went thru. As a result of Capital One 's mistakes, I was assessed a late fee of XXXX and two {$50.00} Non sufficient funds from my NEW apt community as well as was placed on the eviction list there which needs to be paid by XX/XX/2019 which Captial One was told several times. I also assessed a {$26.00} fee to pay by debit card. Because of what has happened I asked for my account to be closed SIX times which they have not done so as of yet as well as letters of explanation to be sent to the NEW apt community and my lender as I am trying to buy a home which has not been given to me as of yet in addition to proof of what they used as a deciding factor with the OLD apt community on why they sided with them without my proof which has not been given to me yet as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a closed account for internet with XXXX. 
I was on a payment plan. 
Due to family illness I missed a payment. 
Without notice they flagged the account for collection. 
When I called I was told it was not in collections. 
I told them my credit took a hit. 
I called several times until I got ahold of someone who agreed to delete it for payment. 
After they took payment they stopped taking my calls. Threatened me. 
discriminated against me on the phone telling me they would never help me and I was a loser who should have paid it. 

They were sued earlier this year for FRCA violations and negligence in XXXX XXXX XXXX for exactly the same behavior. 

I need the account removed from my credit because in a recorded phone call they promised to delete in exchange for payment. This is a verbal contract and is in fact enforceable by law. They way in which XXXX bullies people and collects debt is criminal and they need to be punished. 


My complaint is against XXXX. Transition, XXXX and Experian. All of whom have a judiciary duty to protect the rights of consumers under the FCRA and all of whom have failed to do so for me and many others.
Product: Credit reporting

I submitted an investigation back on XXXX XXXX, 2015, and was told that the investigation would be complete on XXXX XXXX, 2015. When I received the new version of my report, the information was still the same as before. When I called them, I was told that they extended the investigation another thirty days for the same item that was submitted back in XXXX. Now, it is taking them 60 days to update my report ...
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EMAIL : XXXX PHONE # XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX I am writing to formally dispute and request the removal of a unauthorized hard inquiry on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. This inquiry has adversely impacted my credit report and may affect creditworthiness. I kindly request that you investigate this inquiry and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. & 1681b ( Permissible Purpose ). 

Personal Information : Full Name : XXXX XXXX XXXX Date Of Birth : XX/XX/XXXX Last XXXX of Social Security Number : XXXX Unauthorized Hard Inquiry Details : Name Of INQUIRY : XXXX XXXX  Date of inquiry : XXXX Permissible Purpose Violation : I believe that the inquiry made by the aforementioned organization were made without permissible purpose as outlined in the FCRA, specifically 15 U.S.C. & 1681b. My interactions with the organization involved clear communication that I authorized a single credit check for a specific purpose. However, they proceeded to make multiple hard inquiries on my credit report which were not in line with the agreed-upon terms.

15 U.S.C & 1681b of the FCRA explicitly defines permissible purposes for accessing consumer credit reports. These purposes include, but are not limited to, credit transactions, employment, background checks, and account review by existing creditors. The organization in question did not have permissible purpose to make multiple hard inquiries without my consent, as these actions are not authorized by law.

If no permissible purpose can be established for one or more of the inquiries, I request that you make the necessary steps to have this inquiry removed from my credit report. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I purchased an item on XXXX  for {$150.00}. I paid through Zelle. The individual that I purchased the product from never mailed me the product. I contacted Zelle, to resolve the matter and they told me its nothing they can do.
Product: Credit reporting

Experian is reporting a dismissed Bankruptcy that is damaging my credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable housing with this as a factor. Credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating they are not reporting. This is already a public record and they do n't report to any credit bureaus. I am being penalized as if bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to inability to follow through due too declining health insufficient debt. I am receiving the same punitive treatment as if I had followed through and none of the relief or debt forgiveness
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and again on XX/XX/2021 I have requested from XXXX, XXXX and Experian to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance {$0.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX  DEPT VETS DEPTEDXXXX
Product: Mortgage

Mr. Cooper inaccurately reported my XXXX-backed mortgage as over 120 days delinquent with a {$36000.00} past due amount, despite being under a XXXX-authorized XXXX forbearance starting XX/XX/year>. This violates the CARES Act 4021 and FCRA ( 15 U.S.C. 1681s-2 ), which prohibit negative reporting during forbearance. Ive requested corrections multiple times, but Mr. Cooper refuses to update my report, severely harming my credit and financial standing. This inaccurate reporting has prevented me from securing credit and refinancing opportunities. I request immediate removal of this negative reporting and correction to reflect current status.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX TransUnion issued My Investigation Results stating that the bankruptcy reporting on my credit profile was being reported by XXXX XXXX XXXX ARKANSAS was verified as accurate. I have attached the documented stated from XXXX XXXX XXXX XXXX date on XXXX That the US Bankruptcy Court DOES NOT provide any information to the Credit Bureaus or any credit reporting agency. I have attached the documents that TransUnion sent as well as the Documents from US BANKRUPTCY COURT. This is falsifying documents. I would like TransUnion to remove this inaccurate information from my credit file IMMEDIATELY. XXXX is also reporting this very same information. They are so saying that US BANKRUPTCY COURT is reporting this. PLEASE REMOVE AND DELETE AS WELL. XXXX are also reporting the same. Please remove and delete
Product: Checking or savings account

I had 3 accounts open with chase bank, 2 savings and 1 checking account. I had no idea my account was restricted/closed until I tried to use my debit card to purchase my XXXX When I called, I was told that all 3 of my accounts had been closed permanently and I could go into a branch to withdraw my funds. I went to the bank in person and they told me I couldnt actually do that I have to wait until the account is completely closed before I can do that. So now the money in my accounts are completely frozen, I cant access my own paycheck to pay bills or purchase the medication I need as a XXXX When I asked for a reason why my accounts had been closed and restricted, they wouldnt tell me why just that they would be closed permanently when Ive never had any problems with this bank Ive had this accounts for almost 3 years. So not only is it totally cruel to not even tell someone their account is closing ( I didnt receive a formal notice until a week later via mail ) and I had to find out while swiping my card but it is completely unacceptable to not even give a reason why. My money is frozen there while I wait for them to send me a check that has not been sent and no one can tell me for sure why it was closed or when I will receive access to my phone so I cant get my medication. Its so terribly cruel and unfair I cant believe I ever banked with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed XXXX letters on XX/XX/XXXX Sent failure to respond letters on XX/XX/XXXX Sent 611 letters on XX/XX/XXXX Sent another round of XXXX letters on XX/XX/XXXX just to be sure These letters were all pertaining to my bankruptcy record on my credit report. The bureaus have 15 days to respond showing how they verified bankruptcy, and did not respond either time. 

I sent each of these type of letters to ALL THREE BUREAUS. I have only attached those for XXXX  to avoid redundancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this complaint is actually regarding the Equifax Data Breach Settlement Administration. I have reached out multiple times since XX/XX/XXXX to clarify with the administrator when checks would be distributed since the website indicated Fall XXXX checks would begin being distributed. I also contacted the administrator in XX/XX/XXXX because I was anticipating a change of address and was trying to proactively keep them informed of address changes. Each time I was told it was unknown and likely not going to happen soon. Then out of the blue on XXXX XXXX, XXXX, I got an email from XXXX that I needed to cash the check that was sent. By then I had moved and had no idea a check was sent. I have contacted the Administrator multiple times in XXXX providing the updated address and trying to confirm when a check would be redistributed or how else I can receive my distribution. I have also requested a supervisor contact me. No one has responded by phone or via email. While the administrator reps are friendly ; this entire process has not been very consumer friendly and has been quite cumbersome and frustrating. It is sincerely concerning why a consumer can not simply call and be given an estimated date of check distributions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balanced Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I found some accounts that didn't belong to me with Equifax, so I disputed the accounts, and they came back verified as mines .So I requested a verification method to determine how the credit bureau verified this false information as correct. Instead of conducting a proper investigation, the company didn't follow the correct procedure and claimed the items came back verified.
Product: Debt collection

In XXXX, I had a credit account with Lane Bryant with which I bought a XXXX in store. The physical card was not sent to my correct address and somehow {$300.00} was charged to it. I closed the account and unfortunately had to pay that money after it went to collections. Debt was resolved in XXXX. I do not remember the name of the collection agency they used at the time. Today, XX/XX/XXXX, I received a called from someone claiming to be XXXX XXXX XXXX and was threatened with legal action in the sum of over {$1000.00} if I did not attempt to settle or make payment plans for my Lane Bryant debt. They had my social security number and address, which was suspicious, as well as demanded that I confirm my social security number. Im afraid they may be trying to steal my identity, so Im filing this formal complaint as a record of my issue. I did call Lane Bryants credit bank, Comenity, and they have no record of me having any account except for the closed one in XXXX, and told me they were not pursuing any legal actions.