23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is XXXX  % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX
Product: Money transfer, virtual currency, or money service

Hello, This complaint is concerning the practices of Skrill which is an online way to send payments over the web much like XXXX 

I set up a Skrill account on XX/XX/XXXX and added funds via credit card which it linked to my joint bank account with my husband. 

I added funds and purchased b itcoins from XXXX website which the person provids an email address for their Skrill account and funds are transferred. That transaction went fine. 

On XX/XX/XXXX I made two uploads to Skrill from my linked credit cards on their site. The funds uploaded fine but when attempting a {$120.00} transaction sending to an email address I received a message advising to contact Skrill as there is an issue with my account. 

I emailed them and they advised restrictions have been placed on my account and I needed to provide answers to what I was using my Skrill account for and who I was sending money too and also wanted a credit card statement for card used to add money to my account. 

I responded back with details of my transaction, etc. and explained that my credit card is linked to my bank account and I do not get a statement like a normal credit card. I provided a screenshot of my bank account that shows their debits via the card. 

I received a canned message back from them advising they need a credit card statement. It is apparent that no one really reads the emails sent to them and just sends a canned response asking for the info you can not provide. 

After researching I read online the numerous complaints of Skrills practices of allowing funds to be added to your account but then " restrictions '' put on the account which keeps you from doing anything with your money. Eventually hoping you give up or the funds are eaten away by their fees for inactivity etc. 

The main complaint I have is that if they decided to restrict my account and question my very first transaction sent out which they wanted details of ... why allow the person to add money to their account? I had no clue of the restriction until I uploaded more funds and tried making a second transaction. 

At this point I just want my {$120.00} refunded and my account closed. I think that Skrill is deceptive in allowing funds to be added and then holding your money hostage while saying they need additional documentation that you can not provide regarding previous transactions. I believe this a scam that they try to pass off as security measures so you have no recourse to get your funds. 


Any assistance would by greatly appreciated.
Product: Credit reporting or other personal consumer reports

Experian seems to disregard my evidence and take the word of 3rd party collectors without doing a proper investigation regarding Debt Validation with FDCPA & FCRA 15 U.S.C. 1681 documentation along with facts related to acquiring a Forward Flow Agreements & Chain of Assignments of the alleged debt. I have received no tangible evidence from Experian or the debt collectors to properly prove that the debt has been investigated properly.
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX my phone was stolen and the theft sent all my money " XXXX '' dollars too themselves. I emailed cash app before the transaction took place to make them aware of the situation and they failed to stop the incident and then refused to refund me my money after we sent email after email to each other for months i told them i have XXXX young children and i was out of wrk do to the pandemic and they did not care at all .... I was very disappointed and felt as if they were aiding the crook i knew her name and everything gave them all the information they needed and they blew me and my family off
Product: Credit card or prepaid card

I am having the same issues with Capital One, you closed my case without my permission. They had someone call from their executive office, I called back several times, they never responded!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!   They will not work with me to lower the monthly payments through this hardship!   I have no job, they refuse to budge. My accounts are in default.
Product: Credit reporting or other personal consumer reports

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 the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an team 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, base on the results of the reinvestigation; and ( 1 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

U.S Code 1681a-Definitions ; rules of construction, ( 1 ) In General-The terms consumer report Means any written, oral, or other communication of any information by consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for Fortiva Credit Card account has never been a late with a payment on this account, I called customer service directly on XX/XX/XXXX Manager Agent No # XXXX XXXX to discuss about my account on where it shows a late payment of 30 days this account has been on auto pay Since XX/XX/XXXX and I have never failed with payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, National Credit Adjusters add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA National Credit Adjusters has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

I have been reported late on my mortgage when the lender has been unable to be reached by phone for payment. I have been charged fees without notice and been unable to have removed. I have had insurance placed on my loan even with adequate coverage in place. The company does not offer refinancing at better rates and forces mey to stay with them unless I fall behind and ruin my credit, then they will offer a better rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove unknown account from my credit report based on FCRA 605B, this must be removed until the investigation is done
Product: Credit reporting or other personal consumer reports

THIS AN UPDATE TO THE DISPUTE THATS CURRENT IN PROCESS. PLEASE ATTACH THIS TO DISPUTE IF POSSIBLE OR CONTINUE TO PROCESS BOTHC DISPUTE.

THE ABOVE INFORMATION MY NAME, ADDRESS, EMAIL, PHONE, AND RETIREMENT IS ONLY TRUE IDENTITY. My information was in a data breach. ATTACHED IS A COPY OF MY ID AS PROOF PLUS IDENTITY THEFT REPORT. BELOW ARE CLAIMS OF FRAUD, INACCURATE, and UNAUTHORIZED INFORMATION PLEASE REMOVE DELETE ANY OTHER PROFILE INFORMATION FROM CREDIT REPORT. This is an extention of my IdentityTheft report.

INQUIRIES ( 8 ) CLAIMS OF FRAUD. DID NOT AUTHORIZE. PLEASE REMOVE DELETE FROM CREDIT REPORT : I HAVE CONTACTED THEM TO LET THEM KNOW I HAVE NOT HAD AN ACCOUNT WITH THEM, AND NO REMEDY. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMEDY PLEASE REMOVE DELETE FROM MY CREDIT REPORT. 

XXXX LOAN UPDATE MISSING PAYMENT FROM NEVER LATE TO CURRENT FOR EACH DATE FROM XXXX EACH MONTH TILL XX/XX/XXXX. 

XXXX ; US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX EQUIFAX ; US DEPARMENT OF EDU XXXX US DEPARMENT OF EDU XXXX XXXX ; US DEPT ED XXXX US DEPT ED XXXX DATES XX/XX/XXXX TO CURRENT I WAS NEVER LATE ON ALL DATES. REQUESTING AN UPDATE TO SHOW CURRENT FOR ALL MONTHS FROM XXXX TO XX/XX/XXXX. ALSO, THERE ARE 2 LOANS WITH THE SAME ACCOUNT NUMBER WHICH IS FRAUD. I ONE HAVE ONE LOAN. I SENT PROOF ATTACHED TO THIS LETTER. PLEASE UPDATE MY CORRECT PAYMENT AMOUNTS WITH XXXX BALANCE This information is true to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

A dispute letter was sent to Experian regarding the accounts with XXXX XXXX. Experian is reporting inaccurate and misleading information on my credit file. The accounts with XXXX XXXX are in collection, yet the accounts are reporting as open on my consumer report. There were collection offers sent regarding both accounts. I sent a dispute letter to Experian and I also provided copies of the offers from XXXX XXXXXXXX XXXX. Experian responded by stating that they will not take any action on my alleged request because it does not appear to have been sent directly by me or to be authorized by me. XXXX is also reporting inaccurate information regarding the accounts with XXXX XXXX.
Product: Mortgage

On XX/XX/year>, we were notified that our loan was being transferred from XXXXXXXX XXXX to M & T Bank effective XX/XX/year> - without providing us with a statement, we were able to log into their online account system using info from XXXX - when we logged into M & T Bank they showed that we were delinquent - we weren't. M & T Banks also showed that we had been assessed fees - we shouldn't have been. When we called, each representative could not explain the fees and couldn't explain why ; after 5 transfers, the last rep we spoke with, XXXX XXXX, explained we were delinquent, and they assessed fees as a result regardless of a loan transfer. This clearly violates 12 CFR 1024.33 and the Fair Debt Collection Act. Causing emotional hardship and stress while dealing with record-high inflation, uncertain economic times, and now abusive tactics from M & T Bank
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXuXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX {$220.00} XX/XX/XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I'm looking for an apartment for my lease is up in XXXX. I thought I found an apartment. I sent someone named XXXX XXXX {$65.00} with Zelle through my bank for the application fee that was supposedly refundable. Then I received another text from someone named XXXX to give them an additional {$150.00} to hold my spot yo see the apartment. I told him I was under the impression that that's what the application fee & form was for. I told him I'm not giving him anymore money through Zelle until I saw the apartment. He said no so I said give me my money back. He said that he " thinks '' he lost my money. My bank said they couldn't dispute even though it was fraud because I did the transaction myself using Zelle.
Product: Student loan

Navient does not give a clear path to find your monthly statements on the website. I need documents easily if they want us to be paperless. This information is hidden and unattainable. I have to call to get documents. Tonight I have spent 45 minutes trying to find where statements are located with no success and it is too late to call to get my document sent. This should not be a difficult document to find.
Product: Mortgage

I received a {$250.00} Fee from M & T for not signing up M & T Bank 's Online Banking electronic billing statement program. I was under the understanding that I already was as I was an existing customer and my other accounts where electronic. On XX/XX/XXXX I received a letter warning that if i didn't sign up for auto payments and ebill that I would be fined. That day I called M & T 's customer services line. I informed the rep I was calling from the letter that was just sent. She looked over my account and told me that no further action had to be taken and that I can disregard the letter. The next month I was fined for not signing up, I have called the customer services line and refuted the charge. They keep coming back with that the warning letter was sent and I did not take action. I took action to mitigate my damages and was misled by an M & T rep and now have been charged {$250.00}.
Product: Credit card or prepaid card

{$13000.00} was debited from my checking account TWICE by Bank of America to pay my card balance in full - once on XX/XX/XXXX and again on XX/XX/XXXX. When I called on XX/XX/XXXX to have the excess payment of nearly {$14000.00} refunded to me they told me it would be 5-7 business days because it was such a large amount. That's ridiculous, but I was willing to deal with the policy. When I called again on XX/XX/XXXX to check on the status, they again said it would be 5-7 business days. I confirmed that this meant it should be refunded by XX/XX/XXXX, and they concurred. 

On XX/XX/XXXX it had still not been refunded to me. When I called again, they then stated that instead of the original 5-7 days, it would now take 10-15 days because the amount was so large. It does not take 10-15 days for funds to be credited in the current electronic banking environment. When they mistakenly took an additional {$200.00} dollars out of my account on XX/XX/XXXX, I called the same day and the funds were back in my checking account on XX/XX/XXXX. 

Clearly it does not take 15 days to confirm receipt of funds. Keeping almost {$14000.00} of my money for 2 weeks is nothing short of theft.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint against MIDLAND CREDIT MANAGEMEN Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against MIDLAND CREDIT MANAGEMEN for egregious violations of my consumer rights, as protected by the consumer Financial Protection Act. It has come to my attention that MIDLAND CREDIT MANAGEMEN placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alledge debt. 
I hereby declare my revocation of all communication channels with MIDLAND CREDIT MANAGEMEN, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair CreditReporting Act ( FCRA ), i am formalyrequestingthat MIDLAND CREDIT MANAGEMEN provide a purchase orderagreement between them and the original creditor. I am particularlyconcerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If MIDLAND CREDIT MANAGEMEN is unable to produce this documentation, i demand the immediate deletion of the account from my credit report. 
The date on my consumer report indicating that i opened an account with MIDLAND CREDIT MANAGEMEN is balantly false. I neither received any services or products from MIDLAND CREDIT MANAGEMEN nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infriges upon my cosumer rights. 
Moreover, it has come to my attention that MIDLAND CREDIT MANAGEMEN is not licensed or bonded to collect debt in my juridiction .This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of MIDLAND CREDIT MANAGEMEN constitue clear violations of the 12 CFR 1006.34 ( d ), 12CFR 1006.34 ( c ) ( 4 ) ( i ), 12CFR 1006.34 ( b ) ( 5 ), and 15 USC1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and i trust The Consumer Financial Protection Bureau will thoroughly investigate and adress these infractions. 
Please keep me informed about the progress of this complaint, and i appreciateyour attention.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX XXXX XXXX informing me that my credit score went down XXXX points. I pulled up the credit report details, and the details indicated that an open installment account for an education loan through MOHELA/Dept of Ed with a balance of {$82000.00} was open in my account. I never opened this account or took out this loan. I contacted MOHELA and they could find no record of me in their system at all, not with my social security number, my name, or my phone number. According to MOHELA, I didn't have a loan. This account only showed up on my XXXX credit report. I checked my XXXX and XXXX credit reports on annualcreditreport.com, but the education loan was not showing up on those reports, only XXXX. I contacted XXXX on XX/XX/XXXX and filed a dispute. They opened an investigation, and I should receive information in the mail regarding the outcome of that investigation within 30 days. To be clear, I did not open an account or take out an education loan with MOHELA or any other agency. My Experian credit report indicated that the education loan was opened on XX/XX/XXXX and that the last payment was made on XX/XX/XXXX in the amount of {$2.00}, yet I have had no communication with MOHELA and the account has never showed up on my credit report until this month. The representative from XXXX that I spoke with recommended that I file a complaint on XXXX, which is what I am doing now.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations
Product: Vehicle loan or lease

On XX/XX/2023 I went to my local Ford dealership and informed them I would like to perform a consumer credit transaction. They took my social security number and ran my " credit '' through Ford Credit. Later that evening I received a call from my local dealer that my " application '' had been denied but no " excuse '' was given. I have tried calling Ford Credit several times to discuss this matter with them but each person I speak with belittles me and tells me I have no clue as to what I am talking about that they deal with " loans '' not consumer credit transactions. I also have yet to receive any notification in the mail from Ford Credit explaining why I was denied " credit '' which is a further violation because they are supposed to ensure that notification is received by me within thirty ( 30 ) days. I spoke with a XXXX and XXXX from Ford Credit who refused to allow me to speak to anyone above them and said that they, Ford Credit, did not run my credit that it was the dealership who ran my credit. I said how could that be when your organizations name is the one showing up on my consumer report for a hard inquiry. They both refused to assist me and insisted that I was ignorant to the law and that they were not committing fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an email from XXXX XXXX, XXXX indicating that I had applied for a credit card. I also received a notice from XXXX XXXX that there was a hard inquiry on my credit report which matched the inquiry from XXXX. I did not submit a credit card application and believe this will be fraud on my account. 

On XX/XX/year> I received an email from capital one indicating that I had applied for a credit card. This did not appear as as a hard inquiry on XXXX XXXX, so I did not look into it further, but realize that this may be connected to fraud as well.