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

This is a case of fraud and cyber security. 

XX/XX/year>. I was at home with my wife. I checked my email on my phone and noticed XXXX spam/junk looking emails in my inbox. I thought it was super weird and moved the to my spam folder. 

later that evening I was checking my bank account ( as I often do ) and noticed a total of 3 charges I didnt make. 2 from XXXX  and 1 from XXXX XXXX. I froze my debit card from the app and went back to my emails, hidden within all the spam emails where receipts from XXXX XXXX XXXX XXXXXXXX. I was able to contact XXXX XXXX and cancel the transaction telling them it was fraud, the charge didnt post and I moved on. I tried to calXXXX XXXX but they had already released the merchandise. They told me to submit a claim with my bank. 

I changed the passwords for my XXXX XXXX XXXX XXXXXXXX accounts ( neither of which I had been into in years I think ) and also removed saved payment methods, it was concerning because they had all my info and my new debit card saved. I didnt put that info in there. 

I submitted a fraud claim with Chase. They were very slow to issue a credit, at least a couple weeks. Now on XX/XX/year> I get a letter saying that are reinstating the charge because its valid. 

i call chase, spend 30+ minutes on the phone, they tell me its because XXXX  provide information showing i made the charge and i had to dispute it with XXXX. 

i called XXXX they told me they can see a suspicious account was made using my info the night the charges happened. He told me he wasnt sure how the account the account was made without flagging issues in the system for electronic verification process. They told me they cant refund it or do anything and I have to deal with Chase on the matter. 


I called Chase again, got the same story. Request to speak to a higher level supervisor. Once I was finally transferred this person seemed to know even less. They tried to tell me it was a an in store pin transaction ( which hasnt been the case this whole time ) I told him I didnt believe that, after he on hold he came back and send it was an error in their system and its because XXXX said the charge is valid. I asked him to email me those documents or send them in the app. He said he can only mail them to me or email them to a banker and have them print it for me. 

everyone at Chase refused to reopen the claim Im trying to dispute because its a fraudulent charge I didnt make or authorize for nearly {$1000.00}. Thats a lot of money I work hard for, its how I support and feed my family. This really puts me in a financial bind. I feel Chase hasnt support my case or been on my side at all. 

Ive collectively spent over 3 hours on the phone with Chase and XXXX Both saying its the other companies issues to solve. Ill continue you the battle but really need help and will take legal action if needed. I was a victim of fraud and justice has not been done.
Product: Debt collection

Was told by The Firm I only have 10 days to dispute the debt. When I contacted them at XXXX PDT on XX/XX/2020 was told that it is only 10 days to dispute it I am wrong its not 30. When I said MR. XXXX XXXX is not licensed in my state I was told that don't matter they can sue me in Ohio. I do have an attorney retained for bankruptcy and called to let them know that. I am also disputing the validity of this debt. I would like Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

I need more details about what you claim I owe so that I can make an informed decision.
Product: Debt collection

It was brought to my attention by a family member recently, that in 2011 DCS ( collection agency ) offered me a settlement on my loan. Which was paid in full, but when I brought it up to XXXX XXXX representative it was ignored as if I 've said nothing. Same thing happen with US Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act. XXXX, XXXX, and Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

All of these negative items are not correct and do not belong on my report. 
The items are. XXXX XXXX XXXX XXXX date XX/XX/XXXX *incorrect amount paid off* XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  open date XX/XX/XXXX * Not XXXX XXXX XXXX XXXX open date XX/XX/XXXX * Not mines* XXXX open date XX/XX/XXXX *Not mines* XXXX  XXXX open date XX/XX/XXXX * Incorrect amount* XXXX XXXX  XXXX open date XX/XX/XXXX *Not mines* XXXX open date XX/XX/XXXX *Never applied XXXX*
Product: Credit reporting or other personal consumer reports

This company have violated my Federally protected rights on more than one occasion.

There are late payments on my account where that information should not be reported based on US code 6802. This law also states that no non-public information should be shared with credit agencies or 3rd party organizations. US code 1666b also states that that no credit card payment under an open end consumer credit plan should be treated as late for any purpose.

15 USC 1681 also states I have a right to privacy and also state that a credit agency can put furnish anything without my written instructions. 

I have moved forward in filing a lawsuit on Experian and XXXX. XXXX did remove items but if they do not continue to remove items I will be filing on all 3. This will be my second lawsuit on Experian after one successful settlement.
Product: Credit card or prepaid card

Hello, on XX/XX/2018 I purchased an annual movie pass from XXXX XXXX When I purchased the annual movie pass they said the pass would arrive within 2 weeks. Its been 2 months and the pass has never been received. They billed me right away. I have contacted XXXX  3x to get a resolution as to where my pass is. They never responded. I initated a dispute with my credit card company Citicards around early to mid-XXXX. They gave me a conditional credit pending the dispute. About a week later they denied my claim because XXXX provided a rebuttal that the card has a positive AVS-Y result and positive CVV so they denied my claim as it was not considered fraud. Problem is, I never disputed it as fraud. I willingly and knowingly initiated the purchase. The issue is, I can not use the service until I receive the card. Its like buying a pair of shoes online, being charged, and never receiving the shoes in the mail. That's not fraud, that's good not received. Since then, I have contacted Citi via email, written letter and phone calls and have gotten no reoslution as they either ignore me ( email, letter ) or they say its not their department and when they transfer me, I get disconnected. The charge is for {$160.00}. Citi can contact XXXX and see A ) I never received the card in the mail and B ) never used their service. If you XXXX search XXXX XXXX complaints - you'll see numerous upon numerous complaints about this company scamming people. I believe some receive their cards, while others dont which is how this company keeps scamming people. I have also initiated a dispute with XXXX. I uploaded my statement so you can see the charge in question. Any help with this matter would be greatly appreciated. Thank you for your time.
Product: Credit card or prepaid card

I have a XXXX card with American Express ( closed, by me ). They made it explicitly clear that the account was closed and no there were no additional transactions allowed. I couple weeks ago I noticed a transaction called financial relief spend for XXXX, and then another charge removing it. 

It is suspicious so I called. They told me that it was them changing spend from my pay in full to pay over time balance buckets so that I can maintain the XXXX payment plan for XXXX additional month. This seems like a benefit, though random and not ask for, they also increased my XXXX about 15 %. 

I dont believe this spend was a balance bucket transfer ( I see no evidence of that ), and it coincided with a XXXX XXXX of about $ XXXX that occurred between my mother and myself on the same day. 

I was told this would be investigated and I would hear back, I never heard anything. 

I have screenshots of all of the transactions. Also during this time, Amex initiated a name change for me without my authorization. When I brought it up, they denied it, but I have a screenshot of their app showing that as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX Late Closed XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Collection XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX {$2400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
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 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 shalli ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX
Product: Credit card

I 'm a victim of identity theft and a store credit card was open without my knowledge.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I visited the WayFair website for the first time and saw an offer for their store card which offered a {$40.00} promotional credit for a purchase of {$250.00} or more. I went to make the purchase and the system would not let me use the promotional credit. I placed another order for {$250.00} or more and the {$40.00} credit was gone. The only reason why I applied for the card in the first place was for the {$40.00} offer. The only reason I used the card was for the {$40.00} offer - and yet Wayfair 's system never allowed me to use the {$40.00} credit offer.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/2023 Debt Recovery Solution Parked unverified debt onto my consumers report, and as well as to the three major credit bureaus before doing as required to do under the Fair Credit Reporting Act and CFPB. 
I XXXX XXXX XXXX was never given the proper disclosures nor model b-1 form to properly dispute and alleged debt that this company is trying to collect on my behalf.
Product: Credit reporting or other personal consumer reports

They said they was going to remove the inquiries, but they never did inquiries that I did not authorize
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$1900.00} XXXX XXXX XXXXXXXX Disputed and asked for Proof of Dbt Liability between me and XXXX XXXX XXXX
Product: Credit card

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Balance of {$11000.00} this credit card was stolen in 2021. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

Ok XX/XX/XXXX I went into XXXX XXXX to lease a vehicle. Upon selecting a vehicle and signing the lease agreement, two days later it was determine they sold me the car they didnt have. On XX/XX/XXXX I went back and leased another vehicle that they did have on hand. On my credit report there are two inquiries from XXXX with two balances however I only have one vehicle. I have obtained in writing from the XXXX XXXX stating this was an error and I indeed have one vehicle. I need to have this corrected on my credit report so it only shows on lease from XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for neglecting to properly examine my disputes about credit report discrepancies. Experian constantly responds to my submissions within 24 hours, claiming the account is accurate without giving evidence of a comprehensive examination. This technique violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. Section 1681i ), which requires a reasonable examination into complaints. Experians conduct may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as noted in the CFPB 's recent administrative proceeding ( File No. XXXX ) for comparable infractions. I request that the CFPB take steps to ensure that Experian follows federal law and provides consumers with the requisite proof of investigation. Attached are the accounts that were disputed.
Product: Credit card or prepaid card

I filed the police report against fraudulent activity on credit card, the police report was filed on XX/XX/2022 and I received the official copy on XX/XX/2022, I called your fraud department and left a voicemail at the phone number XXXX, but I haven't heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

What happened? 

I am filing this complaint because XXXX continues to report XXXX student loan accounts on my credit report without my explicit consent. Despite my requests to have this information removed, they have refused to comply. This unauthorized reporting is negatively impacting my credit score and overall credit report. 

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent. 

2. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as XXXX, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the denial and the right to obtain a free copy of the report used. 

3. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages.

4. 12 CFR 1002 - Regulation B - Implements the Equal Credit Opportunity Act and requires creditors to provide notice of the adverse action, including the specific reasons for the denial. This ensures transparency and allows the applicant to understand and potentially address the reasons for denial. 

5. 20 U.S. Code 1232g - Family Educational Rights and Privacy Act ( FERPA ) - Protects the privacy of student education records. This law limits the disclosure of such records without the student 's consent.

6. 15 U.S. Code 1691 - Equal Credit Opportunity Act ( ECOA ) - Prohibits creditors from discriminating against any applicant with respect to any aspect of a credit transaction based on race, XXXX, religion, national origin, XXXX, marital status, or age. It ensures that all applicants are treated fairly and that decisions are made based on consistent criteria. 

7. 15 U.S. Code 1691a - Definitions and rules of construction - Defines key terms and sets forth rules for interpreting the XXXX, ensuring that the rights and protections afforded to applicants are upheld. 

8. 15 U.S. Code 1602 - Definitions and rules of construction ( Truth in Lending Act - TILA ) - Provides definitions and rules for how the Act should be interpreted, including terms like " creditor '' and " credit sale, '' ensuring that all credit transactions are conducted fairly and transparently.
Product: Money transfer, virtual currency, or money service

I have been a good customer of PayPal/ PayPal Credit for over a decade, and rarely had issues with sellers but when I did PayPal was able to resolve the issues quickly. I only used PayPal to add a layer of protection to my purchases. So I was surprised that my claim for a purchase was denied twice. 

I purchased a black pearl necklace from a seller on XXXX. When it arrived it looked more green  than black, so I messaged the seller who agreed to refund me and sent a return label. After a week had gone by and tracking showed it was delivered, and the seller stopped responding, I submitted a dispute and escalated to a claim with PayPal. I provided screenshots of the seller agreeing to refund, but PayPal denied the claim because " PayPal Purchase Protection only covers goods or services that werent delivered or are not as described ''. The pearl was GREEN not black, so it was not as described. 

I called PayPal and the agent had me upload more screenshots of the tracking info to show it was confirmed delivered, and she was confident that it would win the case. I called back after a week and apparently those screenshots were never linked to my case! So they had been sitting for days with no review. The agent assured me she would upload the screenshots again. I asked her to send me an email confirming this was done, she said she would but I received nothing. Today I got a message from PayPal again denying my claim because " PayPal Purchase Protection only covers goods or services that werent delivered or are not as described. '' The item was returned and I provided proof, yet that is not enough. PayPal has gone downhill and is not a trustworthy method to buy online anymore.
Product: Credit card or prepaid card

Capital One has twice changed the autopay from XXXX XXXX to a Capital One account where I didn't have enough $ in there to pay. I did have enough $ in their savings account but they picked checking. It was their own account and they bounced the payment, not even taking the minimum payment. I don't know why they keep changing the Auto Pay bank. 
On Sunday XX/XX/XXXX they texted me and said that the autopay went through on XX/XX/XXXX. On XX/XX/XXXX they texted me and said that XXXX put {$25.00} on the card. On XX/XX/XXXX they texted that I had a balance of {$530.00} which I knew something was wrong because I pay them in full so the balance should have been {$25.00}. I went and looked at the account and saw that they bounced the autopay because they once again switched the autopay bank. I immediately paid them from the correct bank and asked for the {$25.00} fee to be waived. They said they would waive it. On XX/XX/XXXX, I looked at the account and the {$25.00} fee was still there and then they added an interest fee. I called them back and told them they switched the auto pay bank and that I wanted the interest fee waived. They refused. I then paid them the interest and the XXXX and the {$25.00} fee and asked for the card to be cancelled. I didn't switch the autopay and if they would have texted me that it didn't go through timely, I would have paid it and had it straightened out. Also they could have chosen to use the {$1000.00} sitting in their bank to pay the bill in my savings account. I have since cancelled my bank account and my credit card account with them, but I do want my interest charges back because I did not change the autopay bank. Their system has done this to me twice now.