23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Crypto.com is the company on the crypto app I told them I did not open a account with them a card was issued and they've asked me to agree to terms and agreement I told them no I told him to delete the account and they keep asking for my phone number and pen and I will not give them any personal information cuz I have not consented ever requested several times for them to delete the account they keep giving me the same information refusing to comply with the request I found a XXXX XXXX XXXX report and they still are not complying. They need to cancel the card. And delete the account associated with the phone number email and my personal information.i have pictures to prove what I'm saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started using XXXX  XXXX XXXX to help in the repair of my credit in XX/XX/2017 at the cost of {$110.00} per month due on the XXXX of each month. Since then they have sent out letters to creditors and credit reporting companies and even had several items removed from my credit report, however my credit score has not reached what I have wanted it to in the time I have wanted it to.
Product: Credit card

I made a purchase on or about XX/XX/2023 from XXXX ( merchant ). After receiving all the merchandise from my order, I started the return process per the company 's instructions. I exchanged several emails with XXXX 's customer service representative over regarding the return and was told " Please DO NOT ship until we have authorized and shared return instructions. Otherwise, we will not be able to process the refund for you at all. '' They never sent the authorization even after I requested it via email. I filed a dispute with my credit card company Bank of America which was denied after five ( 5 ) months of back and forth escalations. I provided approximately 46 pages of documentations, specifically addressing their two ( 2 ) reasons for denying my claim. I even spoke to the VP of Claims and while she agreed that I had met my burden of proof, because XXXX could not retrieve the funds from XXXX, there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ XXXX balance for an account that is n't mine. Initially Equifax removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me Equifax looked into this and confirmed. They need to remove this fraudulent account.
Product: Credit card or prepaid card

I have not been able to use my destiny credit card since the XXXX f XXXX a contactted customer service and was told there was a block because of one {$10.00} pand dollar payment that did not go through on XX/XX/XXXX I was not aware of these terms I was not It's warned about future and sufficient fun returns and as of XX/XX/XXXX I'm still unable to use my card and I am having to pay interest on charges with a call that I can not use Due to these actions I am being threatened by bills that I have ACH AUTO PAY using mydestiny credit card and have incurred late fees as a result
Product: Credit card or prepaid card

May 0f 2021 I received a 0 % balance transfer offer from Barclay's/Frontier Mastercard . On XX/XX/2021, I used one of the promotional checks and made it out myself to deposit in my bank account. The check was returned NSF. Barclay's/Frontier charged me a return check fee of {$26.00}. I am disputing this fee. I contacted Barclay's/Frontier several times concerning this issue. I was informed by reps from Barclay's/Frontier that the promo check that i deposited was from a " closed account '' and that the return check fee I was issued is a valid charge. My account is open, in good standing with an available credit line of {$23000.00}. The check that was deposited was for {$18000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX Account # XXXX ) ( XXXX XXXX  Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( Chapter XXXX XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Accounts # XXXXXXXX ) ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Accounts # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit card or prepaid card

On XX/XX/2020, I enrolled the Staple personal account credit card, because they were advertising a {$50.00} credit if made a purchase of $ XXXX. Before I enrolled and made the purchase, I called the customer service to make sure I would receive the {$50.00} because I was going to make a purchase over {$300.00}. My call was transferred from the business account department to the personal account department. I asked the customer service why I didn't see that {$50.00} credit on the order that I was ready to place, and they told me the credit will show up on my first statement. 

On XX/XX/2020, when I was going to pay my balance online but I still didn't see the {$50.00} on my statement, so I call Staple again. They told me a totally different story that there is no such things for personal account {$50.00} credit. it was for business account. 

I told them that I was told the {$50.00} will show on my 1st statement per the customer service department, but they said no, it was a wrong information. and that's it. there is nothing they can do. 

I am filing this complaint against Staple.com due to the fraud advertising information and inaccurate customer service response to make customer to enroll to their credit card which increased the inquiry of my credit history and it affected my credit score due to the unnecessary extra inquiry.
Product: Checking or savings account

I, XXXX XXXX XXXX, was the victim of a scam. I deposited an out-of-state check in the amount of {$2900.00} into my checking account which I am on jointly with my wife, XXXX. The account is with Bank of America. The deposit was made on XX/XX/2019. That check was made available the very next day on XX/XX/2019. On XX/XX/2019 ( some 10 days later ), the check did not clear and our account was overdrawn by this amount. The bank proceeded to take money from our checking and savings accounts to make up for this shortage that was a result of this {$2900.00} check. The check was drawn on an account from an out-of-state bank in XXXX, Florida. We went to Bank of America in XXXX, California at the XXXX XXXX XXXX location that same day and spoke to XXXX XXXX, the Relationship Manager. She contacted the claims department. They told us the same day there was nothing they could do and that conversation was followed up with a written notice on XX/XX/2019 confirming the same information. We, as consumers, could not have known if this account was closed or if it really existed. In addition, we were charged two overdraft fees, one described as a returned item chargeback fee for {$12.00} and the other was an overdraft protection transfer fee in the amount of {$12.00}. These transactions aided in depleting our accounts. 

We feel, as customers of Bank of America, the money should not have been made available so soon without the bank doing any due diligence to verify if the funds of an out-of-state check were available or even if the account existed in the first place. For the bank to have followed up on this transaction some ten days after the deposit, it was irresponsible and the bank was derelict of their fiduciary responsibility to us as customers. It is for this reason all monies that were taken from us as a result of this transaction should be refunded to us. 

This event has made us feel extremely discouraged not to mention the humiliation it presents because the check was part of a scam done to me. I must admit I have had bouts of XXXX because of this. We did not have a lot of money saved when compared to other people, but we worked hard to put away what we had saved. I lost my job not many days before this happened to us so, this entire occurrence has been quite disparaging and in our opinion, hopeless. I only trust that we can receive your fullest consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested 3 times to have a bankruptcy removed from my account because of failure to provide me with the method of verification for this account, I was told by each credit bureau that it was verified through my courts and I would need to contact them upon contacting my court I received a letter from them stating they do not verify bankruptcy to 3rd parties. I then sent this letter to each bureau they responded by again sending me letters stating it was verified as correct. Upon asking them to provide me with the method of verification I again received a letter stating the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should be investigated pertaining to their handling if my credit report. Despite paying down debt, increasing available credit Transunion engages in practices that keep my credit score poor. They lower my score once notice of a debt is paid then shortly after increase it to were it was. Never really increasing to reflect the responsible actions in my part. In over 1 year of paying my debts I am still at the same score with Transunion versus XXXX. 

After increasing my available credit and paying on time XXXX brought my score up on excess of XXXX points, Transunion an increase of XXXX.
Product: Debt collection

This Phone Number XXXX is Midland Credit. they have called me XXXX a day for months and even on XXXX and XXXX, looking for someone who is not me. I have asked them numerous times to stop that i was not the person they are looking for and they still call me even after agreeing to remove my number. please make them stop! Thank you!
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 Ive made sure to make all payments on time on the other hand this creditor is furnishing my credit report with inaccurate information they put I paid 2 months late this isn't true I tried to reach out to them a couple times and. seems as gif they're not trying to update this inaccuracy violating. the fcra rights as we speak 15 USC 1681 sec 602 15 USC1681 SEC 604 A SEC 2 15 USC 1666B above I have listed my rights they are violating
Product: Debt collection

Since XX/XX/2017, I've been receiving multiple phone numbers from XXXX XXXX for someone that is not me. I sent a message via their online portal ( XXXX XXXX XXXX ) to stop harassing me, or I would contact the CFPB. They did not.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the most recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle on numerous occasions and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern and consumer safety.
Product: Credit card or prepaid card

SCRA Coverage, Service member entered into the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Chase bank was contacted in regards to SCRA coverage for the interest rate of the credit card to be reduced from 15.99 % to the 6.00 % mandated under the SCRA. 

Phone calls were place to chase earlier in XXXX, to no resolve I sent two messages to chase via the online portal. Messages were sent on XX/XX/XXXX and XX/XX/XXXX. Both messages were received and replied to me from chase via their app. None the less after contacting them twice via the app and twice via the phone there still has been no change to the account as of XXXX. 

I contacted JAG in regards to the matter and they have directed my issue to your agency directly. I am more than willing to supply my contract of enlistment which can be verified by the Department of Defense and the earliest statement I have on the account dating back to XXXX.
Product: Debt collection

I have been fighting a collection that does not belong to me with XXXX different collection companies from XXXX every time I ask for proof of debt and tell them I have never had XXXX XXXX, they remove the collection from my credit report and then reinsert it on my credit report a month later, or put it under a different collection company, I have lived at the same residence for the past XXXX years and have always had XXXX which I can provided the bills showing that I have, each time I provide the proof to these collection agencies they remove it and then reinsert it on my credit report which is illegal, or transfer it to a different collection company, I have also reported this to XXXX, Equifax, and XXXX, which I have proof of, and they have never once provided a notice of reinsertion within the XXXX business days as required by FCRA law, they all continue to allow this to go on and affect my credit, which is hurting me financially. The collection companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am uploading some of letters that was sent, and the Certified XXXX receipts proving everything I am saying is factual, I have other letters and proof of this illegal practice that I intend to show in Court when I sue for continued harassment, financial loss, and a lack of effort on the credit bureaus part to provide factual reports, there is no way these collection agencies could get away with this without the credit bureaus not knowing and allowing this illegal practice reinsertion and re-aging to continue.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Description of Inaccuracy : XXXX and XXXX is showing account is charged off, Transunion shows account status is a missed payment, the past due amount are not consistent across all XXXX credit bureaus I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous Complaint requesting the removal of the fraudulent accounts and information off of my Credit File. It is important to emphasize that, according to the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are causing significant harm to my creditworthiness. I did not open the following accounts neither did I authorized anyone to do so in my behalf, therefore I need you to remove the following items as soon as possible : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00}. I want to make it clear that I have already reported this fraudulent activity to the appropriate authorities and provided all the necessary documents to prove the fraudulent nature of these items. I have also requested that the responsible creditors investigate the matter and remove them from my credit file.
Product: Credit card or prepaid card

I have a Capital One Branded Credit Card and received a form letter in the mail advising me that they have reduced my credit limit for no other reason than I am not utilizing all of my available credit. I contacted Capital One and was advised that the decision is final and was treated with a snarky have a nice day at the end. Call lasted all of 20 seconds. The credit limit was reduced by 2/3rds and will negatively affect my credit score. I have excellent credit and strive to maintain that rating. I have two of their Credit Cards and fully expect to see another letter for the other card also reducing it by 2/3rds. This will have a cumulative affect on my credit score in the negative direction. A credit card company should not have the ability to arbitrarily reduce one 's credit limit when there the customer has excellent credit and payment history. There is no underwriting reason to do so. Many customers are receiving the letters and lots of complaints on XXXX. I am demanding my credit be restored.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVEXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, my identity was stolen, and the offender was able to open several accounts. Most accounts were not opened as the requested identifying information could not be supplied. In order to prevent further mayhem, I requested a credit freeze from the three major reporting agencies. I was successful in freezing my credit with XXXX  and XXXX. 

My complaint stems from the process offered by Experian. I am not able to freeze my credit online or over the phone with Experian. They will only complete my request if I submit a letter that contains my : 1. Full Name ; 2. Date of Birth ; 3. Social Security Number ; 4. Current Address ; 5. Previous Address ; 6. Copy of Government issued ID ; and 7. Copy of a utility bill, lease/deed, bank statement showing my current address.

The envelope that contains ALL of the information that any nefarious individual needs to impersonate me and apply and open accounts illegally must also be addressed to " Experian Security Freeze. '' I can think of no better clue than what this envelope may contain within its folds. 

Experian 's credit freeze practice puts my personal information at further risk. I have attempted to freeze the credit both online and over the phone, but my attempts were denied. 

I am also concerned with how Experian will further protect the additional information I must provide them. Should I be expecting a return envelope containing the shredded remains of the photocopies of my ID and utility bill? Do they have a right to keep a copy of my ID? I was unable to find full disclosure of what they would do with these documents once they received them.
Product: Credit reporting

In XXXX 2012 My husband and I take root bankruptcy, and in my credit report that is included in the bankruptcy occurs, I need that remove such information from XXXX, also it appears I started working when I 'm disable and not job.
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 the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not 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 customer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : These inquires was not authorized, Please remove this inaccurate information from my credit report XXXX ). XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following information is outdated. 
XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. The following information is outdated. Remove from my credit report XXXX XXXX XXXX Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report with the creditor who has posted them. 15 U.S.C 1681 section 602A. I have the right to privacy. 15 U.S.C 1681 Section 604A States Consumer reporting agency can not furnish a account without my written instruction.