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

Credit card is issued by BBVA Compass. 

In XX/XX/2019, I made online payment in amount of {$300.00}. BBVA debited my checking account electronically on XX/XX/2019 for the amount. On XX/XX/2019, BBVA electronically debited again in the same amount, {$300.00}, from my checking account, which I did not authorize. 

I immediately contacted BBVA and complained. BBVA service person stated BBVA would not allow electronic refund, and BBVA would mail a refund check which would take two weeks. It took twenty days for me to get the money back. 

In XX/XX/2019, I made online payment in amount of {$570.00}. BBVA debited my checking account electronically on XX/XX/2019. On XX/XX/2019, BBVA electronically debited again in the same amount, XXXX, from my checking account, which I did not authorize. 

On XX/XX/2019, I noticed the second unauthorized payment and contacted BBVA. BBVA service representative, XXXX, was unable to explain why this happened, and again BBVA would send refund check via mail which would take two weeks. I talked to XXXX 's, supervisor, XXXX ( XXXX ). XXXX was unable to explain why my checking account was debited twice. XXXX stated BBVA would  not refund electronically and insisted I accept the refund check via mail, which would take two weeks. It took considerable amount of time and arguing on my part to have XXXX to make a request an electronic refund to my checking account. XXXX did not know if her BBVA supervisors would accept her request for electronic refund, and if BBVA does not accept her request, I would receive refund check via mail in two weeks.

I believe BBVA is negligent in handling and managing account transactions, BBVA did not know why my account was debited twice, and BBVA did not offer a reasonable resolution. BBVA, while service representatives were cordial and polite, did not care for its customer 's financial wellness. BBVA caused the problem but refused to make reasonable resolution nor assume responsibility. BBVA 's manner of running its business was reckless and irresponsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was opened fraudulently using my information on XX/XX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my credit report.
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on XXXX, XXXX and Transunion, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF
Product: Debt collection

I received a notice to collect a debt from XXXX for CitiBank forb {$5500.00}. Current creditor XXXX XXXX XXXX, That amount seemed very high so when I called they said it was from XXXX  so I asked why have I not received any bills or collection calls, they said they had been sending bills to:XXXX XXXX XXXX XXXX XXXX Florida XXXX. That is not my address! Then I went on the credit bureau I saw this address on XXXX  & XXXX I lived in XXXX in XXXX but not at the address above. I lived XXXX of XXXX, from what I can remember I lived near XXXX XXXX XXXX, the address above seems to be closer to the XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach out to the companies numerous times about the inaccurate accounts but iv'e gotten no response.
Product: Debt collection

Received a surprise letter from CMRE XXXX stating that some one failed to bill my  insurance XXXX months ago and cannot go back.I have no other information or verification  on this company.The collection company is not ready to listen and is pressuring me to pay  and threatening to ruin my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Notice of Intent to Sue for Unauthorized Sharing of Nonpublic Information Dear, Destiny Card I am writing to formally notify you of my intention to pursue legal action against you for the unauthorized sharing of nonpublic information that belongs to me. It has come to my attention that you have disclosed sensitive information without my consent, which is a violation of our agreement and could have significant repercussions. 

The specific information in question includes [ describe the nonpublic information ], which was shared with MIDLAND CREDIT MANAGEMENT XXXX. This disclosure has not only breached our trust but has also caused potential harm to my personal and professional interests. 

I request that you cease any further dissemination of my nonpublic information immediately and provide a written/email acknowledgment of this request Failure to comply may compel me to take further legal action to protect my rights and seek damages for any harm caused. 

Please consider this letter as a serious matter. I hope we can resolve this issue amicably. However, I am prepared to take all necessary legal steps to protect my interests. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Product: Debt collection

I never signed a contract for credit account for XXXX/COMENITY/XXXX  XXXX XXXX  and I never applied for this card
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the validation and verification of several charge-offs and collections that appear on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to request that all information reported on my credit file be accurate, complete, and verifiable. This letter serves as a formal dispute of the following accounts : Accounts in Question : XXXX XXXX XXXX Status : Charge-Off Balance : {$530.00} XXXX XXXXXXXX XXXX  XXXX XXXX ( Account ending in XXXX ) Status : Charge-Off Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX  XXXX ( Account ending in XXXX ) Status : Charge-Off Balance : {$250.00} XXXX XXXX XXXX XXXX Status : Charge-Off Balance : {$160.00} XXXX XXXX XXXX 

Status : Charge-Off Balance : {$550.00} XXXX XXXX XXXX XXXX  Status : Collection Balance : {$290.00} XXXX XXXX XXXX Status : Collection Balance : {$850.00} XXXX XXXX XXXX Status : Collection Balance : {$1500.00} XXXXXXXX XXXX XXXX Status : Repossession Balance : {$6500.00} Validation and Verification Requests : Under the FCRA, I request that you investigate and verify the following for each account listed above : Ownership of the Debt : Confirm that the accounts were reported by the original creditor or their authorized representative. 

Provide documentation that links me to the debt, such as original signed agreements or contracts. 

Date of First Delinquency ( DOFD ) : Verify the original DOFD to ensure accurate reporting timelines. Incorrect DOFDs can extend the reporting period unlawfully.

Balance Accuracy : Provide a detailed breakdown of the balance, including principal, interest, late fees, and any additional charges.

Transfer of Debt ( if applicable ) : Confirm that any collections or charge-offs have been legally transferred to third parties and that they have the right to collect or report this debt.

Compliance with Laws : Ensure the reporting of each account complies with the FCRA, FDCPA, and other applicable laws.

Account Resolution or Settlements : Confirm that no payments or settlements have been misapplied or omitted from the reporting.

Supporting Documentation : Provide all documentation used in your verification process, including correspondence from creditors or collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in the Equifax fraud protection program on XX/XX/XXXX as a result of the security breach affecting millions of Americans. 

The website said to wait up to a few days for an email with next steps. Today is XX/XX/XXXX and I have n't received an email. I have checked my spam and trash folders. 

I called the Equifax hotline. Totally useless, no information, referred me back to website. Could n't check on status. Could n't tell me how long to wait. This hotline is itself a fraud. 

I want to know the status of my enrollment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact credit bureaus multiple times but they did not respond me back. I wrote to them earlier to remove some negative accounts reporting on my credit report. Now I may qualified to launch a complain against them that they are in violation FCRA rules and not properly investigating my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past I had a secured credit card with XXXX Bank. The card was eventually lost or stolen and charges were made on my behalf. The account was closed and reported as a charge off. Because the account was secured with {$250.00}, the balance of {$300.00} was reduced to {$58.00}. Although not responsible, I paid this balance in full. I contacted the creditor and asked for the account be updated correctly or removed completely as terms of our payment agreement to which they agreed. Months have gone by and they still report the account incorrectly per our agreement because it is still harming my credit. They continue to update this as a charge off. I would like the account to be removed completely from all my credit reports.
Product: Credit card

I have no idea what this debt is that is showing on my account. I have a ex that has opened several credit cards and loans in my name using my social. I have had to fight to remove several and thankfully have been able to remove some of the damage he has created. I don't know who this company is for or how much. I just want proof of purchase. I would like this removed from my credit report please.
Product: Credit reporting or other personal consumer reports

This correspondence pertains to a charged-off credit card account that has been reported to the credit bureaus. A Form 1099-C has been issued for this account, indicating that the debt has been canceled and reported as income to the IRS, as per the requirements under 26 U.S. Code 6050P. The issuance of this form establishes that the creditor has discharged the debt, effectively concluding the contractual obligation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, information furnished to consumer reporting agencies must be accurate and complete. The continued reporting of a " charge-off '' designation is inconsistent with the discharge of the debt, as indicated by the 1099-C. Maintaining the charge-off notation misrepresents the nature of the account, potentially leading to inaccuracies in the consumer 's credit file. 

Furthermore, the issuance of a 1099-C is widely interpreted as evidence of the creditor 's intent to cancel the debt. When a debt is forgiven and reported as income, the account is no longer collectible. Therefore, the charge-off designation, which implies the debt remains unpaid and collectible, conflicts with the creditor 's reporting to the IRS. The conflicting information may constitute a violation of 15 U.S. Code 1692e, prohibiting false or misleading representations related to the character, amount, or legal status of a debt.

To ensure compliance with federal laws and protect the integrity of consumer credit reporting, it is requested that the charge-off designation associated with this account be removed from the credit report. Accurate reporting aligns with both the creditor 's obligations under the FCRA and the confirmation of the debts discharge through the 1099-C issuance. 

Thank you for your attention to this matter. It is expected that an investigation will be conducted and appropriate action will be taken to correct this discrepancy. Please provide confirmation of the resolution and updates to the credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint agaist Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Finalcial Protection Act ( CFPA ). Speciffacly, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Trasfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have sent letters to XXXXSUNBIT requesting proof of said debt and have not received any response for the two separate closed accounts they have put onto my credit report. Sunbit is in violation of code 15USC 1681 because they have not been reporting accurately to the credit bureaus by disclosing two derogatory accounts, and showing no true evidence that said debt belongs to me. They have been reporting since XXXX of XXXX with a balance charged off at XXXX XXXX and XXXX dollars and the other closed account since XX/XX/XXXX for the second account that is showing negatively on my report with a balance charged off at XXXX XXXX XXXX XXXX and XXXX XXXX dollars. By both accounts showing collection/charged off they have already sold this debt off and have been compensated and are now trying to intimidate me by damaging my credit, and making it impossible to obtain new credit. By them already charging these accounts off and now trying to double dip by wanting me to pay said debt again is outrageous on several levels. Another violation is this company has never sent me an option to opt out of them reporting my information to any non 3rd party affiliate. Per the FCRA as a Federally Protected Consumer I am now opting out of any and all authorization I the consumer may have given SUNBIT/XXXX  written, nonwritten, verbal, and or nonverbal per 15USC 6802 ( b ).
Product: Credit reporting or other personal consumer reports

I am contacting you because these accounts are inaccurate, and your company is STILL reporting errors on my credit file. This is causing damage to my credit score. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX I have requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report.
Product: Debt collection

Pinnacle Credit Services/XXXX ( Collector ) did not sent notice of right to disclose. 
Collector continues to report false information related to this account to Credit Bureau Agencies ( CAs ). 
Collector claims account opened date opened XXXX/XXXX/XXXX. 
Collector claims a debt of {$1200.00} on behalf of XXXX XXXX. 

Alleged debt has been disputed several times through FTC on XXXX/XXXX/XXXX. Case # XXXX filed reporting XXXX XXXX. 
Also with the Arizona XXXX, the XXXX CBAs, and directly with Pinnacle Credit ServicesXXXX. 

Collector 's response to all claims is that the debt is owed in a single statement, without providing any supporting documentation ( because none exists that will help their case ) on this alledged debt. 

I had an over a decade healthy relationship with XXXX XXXX since XXXX 's. On or about XXXX XXXX I had made contact with XXXX to cancel service at the end of the contract period, which I was told ok. Late XXXX disputed that cancelation was not made timely, when I asked for proof of the contract with signature nothing was provided and was automatically billed {$1200.00} for the untimely cancellation fee of XXXX Blackberries. It was all based on their own assumption. 

XXXX has sold this account to numerous collectors, which I have immediately disputed the validity of the debt. However, Pinnacle/XXXX has been a different story. They purposely did not send the Notice of Right to Dispute knowing my history and they immeidatly reported to the CBAs. Since then it has been nothing but a struggle to have an enforcement agency request this " Collector '' for proof of the information that they are claiming on my credit files. 

Reaging an account is NOT legal. I have also made several attempts in trying to discuss matter with a representative of PinnacleXXXX, but I you get is their representative asking you to verify your current address, phone number, etc, and then you get transfer to a voicemail and never get a call back. A tactic for them to just record that you had been notified ( over the phone ) from their recorded message that it is an attempt to collect. This is a criminal way of doing business - but as a collector, they just want to at least assure they hurt the consumer knowing that their claim has no merit.
Product: Credit card

On XX/XX/XXXX - Citi bank received a check from my attorney for {$9000.00} - my balance was {$8500.00} and therefore I assumed they would send me a refund- nope they just put a negative balance on my account. so I have $ XXXX and asked for a refund. The 1st person said no problem asked for my check account so it could be quick 3-4 days max and the XXXX day ended XX/XX/XXXX and confirmed via chat. Here comes Friday XXXX and now the new representative is saying XXXX days. I wanted to close my account but they said they have a fraud dispute open which no one has contact me about since XXXX of this year. Now I can not close my account because they have kept this open and not done any work. So no refund for over payment by my attorney and now I can not close the account. 

This is just straight thievery - the fraud dispute is for {$210.00} and they wont refund me my {$510.00} and wont close my account. I have spoke to multiple people at citi bank with no help. They know exactly what they are doing and how I have no protection from them at all. They will illegally highjack my account and they XXXXXXXX XXXX by allowing a merchant to charge me XXXX without giving my consent on a closed card. THEY ARE CROOKS AND I JUST WANT MY FREAKING MONEY THAT IS OWED TO ME!!!!!
Product: Credit card or prepaid card

On XX/XX/2022 my wife and I believed we were purchasing 2 Electric Bikes from a XXXX XXXX sale via XXXX using our Barclay JetBlue Plus card and the total price was {$150.00}. 

After the purchase, I received a XXXX receipt from a vendor who's name contained all XXXX characters. I immediately called XXXX and asked if they carried the Electric bikes and they said they did not. I then contacted both XXXX and Barclay 's JetBlue Plus card customer service to stop the transaction but was told I could not stop it and I had to wait 7 days before opening a dispute. 

I waited the 7 days and opened disputes with both XXXX and Barclay 's Jet Blue with all the detailed information. Both disputes were closed and I was told it was due to the fact that I failed to show that I returned the merchandise. 

I informed them I did not receive any merchandise and they said the USPS tracking number provided showed it was delivered. I contacted my local post office and they said the tracking number was not associated with my address and they suggest I fill out a fraud report at the Post Office Inspector site.

I did so and the results stated According to our records tracking XXXX XXXX is a 3 oz. package and is not destined for my home address. 
When I notified Barclay JetBlue about this I was told rather rudely, they do not credit customers for purchases which are scams.

This is not what I call credit card protection or good customer service so beware.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, following a recent data breach in which my personal information was compromised. Under my rights as stipulated in 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am asking for these accounts to be removed from my credit report. 
The details of the fraudulent accounts are as follows : Fraudulent Accounts XXXX XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$520.00} XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Equifax, XXXX  & XXXX. These companies have failed to remove information that was affiliated with personal details that were challenged in the past. Its my belief that they are in violation of the FCRA and are outright refusing to uphold the law.