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

The below letter from Bank of America is full of errors. 

On XX/XX/XXXX, I went to XXXX and bought a plane ticket using my Bank of America ( BA ) credit card. The ticket was to XXXX on XXXX XXXX. When I got to the airport the airline worker refused to let me on the plane because I did not have a visa to enter XXXX. I told her I was going to stay in the XXXX airport while changing planes. She still refused. It takes many days to get a visa for XXXX. She refused to issue a refund. So did her boss. The emails from XXXX and XXXX when I bought the ticket did not mention that I would need a visa just to change planes and not leave the XXXX XXXX. 

On XX/XX/XXXX, I spoke by phone with BA worker XXXX. I gave her the above info. She disputed the charge and told me if BA needed more info from me I would get a message in the " message center '' on the BA web site within 10 business days. I did not get a message in that time frame. Please direct BA to issue a refund for this charge, which appears on my credit card bill as XXXX, not XXXX or XXXX. Thank you. 



-- -- -- -- -- -- - XX/XX/2022 Account number ending in : XXXX Case number : XXXX XXXX XXXX We completed our investigation of the {$300.00} charge ( s ) from XXXX XXXX XXXX XXXX XXXX. 

We've thoroughly reviewed the details of your dispute ( s ), and based on the information we received, we're unable to pursue your dispute ( s ) further. 

- We didn't receive a letter specifically describing the service ( s ) you were to receive, the merchant 's failure to provide the service ( s ), and the details of your attempt ( s ) to resolve the situation with the merchant. 

- The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. 

If we previously issued credit ( s ) to your account, the charge ( s ) will be rebilled and will appear on your monthly statement. At this time, we consider your dispute ( s ) resolved and the balance is owed as stated in your Credit Card Agreement.
Product: Debt collection

WEST ASSET MANAGEMENt is continuing to report on my credit report for a debt I believe not to be mine.XX/XX/2014 is the date showing to been opened and original creditor of XXXX with a balance of {$560.00}. 

I have never had XXXX and I also have had issues with mistakes on my credit report as myself my XXXX also share the same first and last name. We all have different middle names .when I first noticed this I called the company right away and as with all credit collection agencys or anyplace that says you may owe money you have to be careful when calling.i explained that this account is not mine and if they could please fix it.Before the woman even said a word to help she started with the '' this is an attmpt to collect a debt '' ''this call will be recorded '' its a good thing I also record my calls as well. 
As she was explained that this is an attempt to collect a debt ( Even though I called them to fix the issue ) I kept interrupting to let her know that this debt I believe is not mine. 

suffice to say I got nowhere she repeated she could not help me.Ibelieve this debt is not mine. She even wanted my ssn to look me up this was my first attempt to solve problems by myself and I got nowhere with them.if they have proof like a contract my signature or even what day or and address please let me know.i can provide documentation where I work and live for last couple years. 

I have even sent a certified letter of validation and have yet to hear back from this address that is on my reports : west asset management XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX - XX/XX/XXXX XXXX, XXXX, and XXXX Subject : Formal Dispute of Inaccurate and Incomplete Information Under FCRA Dear XXXX, XXXX, and XXXX I am writing to formally dispute the following inaccurate or incomplete items on my credit report. These items do not meet the requirements of accuracy and completeness as outlined under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). 

Below are the disputed items, along with the reasons for my challenge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Reason for Dispute : Creditor unable to verify I opened this account /account not mine Lockhart Morris & Montgomery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Creditor unable to verify I opened this account /account not mine Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute within 30 days. Please ensure this investigation includes contacting the data furnisher to verify the accuracy of the information. If the disputed items can not be verified or are found to be inaccurate or incomplete, they must be deleted or corrected promptly.

Additionally, under FCRA 609 ( 15 U.S.C. 1681g ), I request copies of any documentation you have relied upon in reporting this information, including contracts, payment records, or other agreements provided by the data furnisher. Failure to provide such documentation constitutes a violation of my rights under the FCRA. 

Please send me a written response outlining the results of your investigation and an updated copy of my credit report reflecting any changes made. If you determine that no changes are warranted, I request a clear explanation of your reasoning and copies of any supporting documentation. 

To assist in your investigation, I have enclosed the following documents : A copy of my credit report with disputed items highlighted LOCKHART MORRIS & MONTGOMERY Last reported XX/XX/XXXX {$1300.00} Open balance LOCKHART MORRIS & MONTGOMERY Original creditor XXXX Opened XX/XX/XXXX ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Placed for collection Original creditor name LOCKHART MORRIS & MONTGOMERY I appreciate your prompt attention to this matter. If I do not receive a resolution within the legally mandated time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies to protect my rights. 

Please contact me directly at ( XXXX ) XXXX or XXXX should you require additional information. 

Sincerely, XXXX XXXX
Product: Student loan

Hi, I currently paid {$1000.00} to my FedLoan Servicing : https : //myfedloan.org/. They accepted the Payment on XX/XX/XXXX but the remaining income stay the same. The orignal amount was {$5900.00} but it did not go down to {$4000.00}. They accepted payment and tells me they couldn't find my payment record for XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Citi customer stole {$2800.00} of XXXX cashiers checks from me and Citi is not releasing the funds. Customer name XXXX XXXX in NY.
Product: Credit reporting or other personal consumer reports

Incorrect credit reporting was issued by the company on my consumer credit report from XX/XX/XXXX. This has affected my credit score drastically and needs to be revised. An initial complaint was submitted to the card services department on XX/XX/XXXX disputing fraudulent charges and statement balance. This was resolved end of XXXX, however, Barclays has not resolved the issue with the credit bureaus after initialing another dispute on XX/XX/XXXX to the FCRA Credit Bureaus Department.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX & XXXX : # XXXX XXXX  XXXX : # XXXXXXXX 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 XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> I noticed some things are incomplete and inaccurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit card

On XX/XX/year> I received some text messages about a Costco XXXX Card that asked if I opened one, I responded no to that. I later received some messages ostensibly from Bestbuy about a Best Buy card I don't own. I originally thought it was a phishing attempt so reported it and didn't respond. 
On XX/XX/year> I got a Credit Report and noticed three Credit Cards that I did not apply for myself : 1. A Citibank ( CBNA ) Costco Card : {$1300.00} 2. A Citibank ( CBNA ) Best Buy Card : {$4300.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$96.00} ( prices are the balance when credit report was checked ) It seems that someone has applied for these cards under my old name, XXXX XXXX. I'm XXXX  and legally changed my name to XXXX XXXX a few years ago. 

I've filed a report for each card and both banks and the Costco and XXXX cards were removed from my credit report, but the Citibank Best buy department refused to do the same despite them acknowledging that the Costco card was fraud. 

I never had any of these cards, someone else has applied for them under my ( old ) name and I have no idea who might have done this, whoever it is seems to have access to my social security number, an old address, my previous name, and my current phone number. I suspect maybe this was leaked from the recenXXXX XXXX XXXX XXXX XXXX  as I was a customer with them at that old address. 

I've spoken to Citibank Bestbuy fraud department I believe four or five times now and each time I contact them they tell me they've closed the case and said it wasn't fraud and then they reopen the case while I'm on the call. The only information they have requested is a copy of my driver 's license which I faxed to them but despite that they closed the case again. I've sent them the police report number ( XXXX XXXX POLICE DEPARTMENT XXXX REPORT # XXXX ) and copies of my email correspondence with the detective on the case. I have also reported the identity theft to the FTC ( reference number XXXX ) and placed a security/fraud hold on my credit. 

I've also requested from a supervisor that they contact me before closing the case if they need more information and they said they would but they haven't and they've still closed the case without taking any action. 

Despite all this, and the fact that the card was opened under a name that isn't even my legal name now or at the time the cards were opened, the card is still on my credit report and the past due amount has been consistently lowering my score and causing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to refinance my car through companies credit karma suggested me. It was pre-qualify applications, that's why i've applied. As i know pre-qualify means soft inquiries, not hard ( i read this information from internet ). After that, i got a lot of hard inquiries to my account, that's why my XXXXredit score dropped from XXXX to XXXX ( XXXX points ). I got a lot mails in my mailbox from credit unions i don't recognize. I've applied number of times for credit cards, but got denied ( all of this are my applications ), but i didn't give the consent to credit unions to make a hard inquiries to my account. That's why i think all this inquiries should be removed from my credit reports. 

This is updated complaint, because in previous one i forgot to attach the file.
Product: Checking or savings account

Transferring cleared fund from savings to checking which should be instant and a hold being placed on my money
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent letters to the credit bureaus regarding the inaccurate information that was reported on my account. The letter was requested to validate the XXXX XXXX XXXX XXXXXXXX XXXX account reported on my credit profile. I have asked the bureaus, TransUnion and XXXX, to verify the validity of this account. I am still waiting to receive competent evidence that I have any legal obligation by either bureau. I have provided the verification letters I sent to the collection agency that claims I owe this debt and certified mail receipts that have not been responded too. The account is hurting my consumer report. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. I am requesting that XXXX and Transunion remove the account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed three different disputes with Equifax regarding my name over the past three months. Each, and every, representative I speak with assures me that my name has been corrected ; however, when I receive the confirmation in the mail nothing has been changed. I have sent in copies of, both, my Social Security card and my drivers license yet the change is never made.
Product: Credit card

PayPal. I purchased a music CD and paid with PayPal, which I have a cash balance with. Somehow I got enrolled in PayPal credit which I did not want. I got a notice that my purchase was due with penalties. I tried to email PayPal that I never wanted their credit and to just pay for the purchase with my balance. I got a letter/bill last week. I called their customer service and said that I was very unhappy about this, I would ( and did XXXX pay the purchase plus the {$7.00} fee via check and specifically told them to close the account ( credit ). It was n't until I read the XXXX XXXX XXXX article about the lawsuit that I realized what had happened.
Product: Consumer Loan

I purchased a vehicle through XXXX and paid over {$12000.00} for a vehicle from XX/XX/XXXX-XX/XX/XXXX. XXXX sold the loan to Portfolio Recovery with a {$9000.00} balance attached. Chapter XXXX was filed while account was with XXXX, Portfolio Recovery ( PRA Receivables Management LLC ) did not alert the courts in a proper manner and repossessed my vehicle XX/XX/XXXX. Portfolio Recovery refused to update the account with the proof of payments I made and when they repossessed the vehicle, they took my valuables and have refused to return them to me nor answer the phone. This company along with XXXX has taken my money, valuables, and a car I paid for. The manner in which I have been treated by both companies is unethical and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the the fraudulent accounts several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX owned by XXXX XXXX  XXXX XXXX ) is not reporting correctly with the Credit Bureaus. They did update the information from last month to XXXX but not to Equifax or XXXX. 
Please dispute both XXXX XXXX XXXX XXXXXXXX XXXX and the XXXX XXXXXXXX XXXX credit card as well XXXX XXXX XXXX XXXXXXXX XXXX they are both showing large balances on these credit cards. XXXX is paid XXXX balance for XXXX months, and XXXXXXXX XXXX has a {$500.00} balance not {$2500.00}, I am applying for a Refinance and want the best rate possible. 
Please have Equifax and XXXX update this information correctly. 
You can not get through to anyone and they outsource to other countries who can not help either just to say they have call ins. 
XXXX XXXX XXXX XXXX XXXX  XXXX Credit reporting Problem with a company 's investigation into an existing problem EQUIFAX XXXX XXXX XXXX XXXX XXXX 
XX/XX/year> XXXX XXXX response is in progress as of XX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX I checked my account balance and saw it was XXXX and looked at my recent transactions and saw obvious fraudulent activity. Someone had made purchases using XXXX XXXX at 6 locations across several cities and a different state. 

There was a charge in : XXXX XXXX in XXXX XXXX  for {$96.00} XXXX XXXX in XXXX XXXX  for {$95.00} XXXX in XXXX XXXX  for {$500.00} XXXX in XXXX XXXX for {$510.00} XXXX in XXXX  XXXX, Tennessee for {$920.00} XXXX in XXXX Tennessee for {$400.00} A total of {$2500.00} I called into my Bank, Bank of America to file a fraud charge and pointed out the 6 charges. When talking with the representative they asked about other charges. There was two charges at a gas station, a reoccurring XXXX charge and a charge at XXXX. We specifically discussed all XXXX of those charges and I told the representative they were legit charges. She still included them in the claim so the claim totaled {$2600.00}. 

They denied my claim 7 business days later on XXXX telling me that all the charges in the claim were authorized by me or someone with permission. I called back and had them reopen the claim and reevaluate it. It was at this time I learned that the representative had included 4 extra legitimate transactions in the claim and the representative I was speaking to at this time told me it was likely the reason it was denied. I requested those charges be removed and the claim resubmitted and I was told that was happening. I also told them I was filing a police report and would fax that over. 

The next day XXXX I sent the police report over via fax and soon after I receive an email about my claim being reopened and it still says {$2600.00}. I call back in a the legitimate charges had still not been dropped from the claim. At this point I get someone on the line who is repeatedly apologizing to me for the incompetence of his coworkers and assuring me hes going to fix everything and that hes confident that my claim will get approved now. He removes the charges and tells me it could take them a couple days to receive my faxed over police report for some reason. 

The next day XXXX I receive an email letting me know those 4 charges were removed from my claim and then a separate email telling me my claim was still once again denied. They again told me the transactions were authorized by me or someone with permission. This is ridiculous. Its laughably obvious fraud. Someone is traveling around to city after city to the same stores emptying my account and my bank is just allowing me to be stolen from and essentially calling me a liar and fraudster. 

My police report is number : XXXX My claim ID : XXXX I really need help I cant afford to lose this money
Product: Checking or savings account

On the early morning of XX/XX/22, I received an alert on my phone that there was a questionable charge from XXXX that morning for {$150.00}. I called Santander to tell them this was unauthorized charge. That same day, before I received my new debit card, XXXX more charges from XXXX happened on the new card! 

I have submitted the claim 4 times and each time was denied stating XXXX gave them my address and a USPS tracking number that it came to my house. The USPS tracking number does not exist and I never received the product I apparently purchased. 

XXXX is of no help stating this is the bank 's problem. Dispute id for XXXX is XXXX. Last claim number from Santander XXXX. Spoke with XXXX, a manager who's number is XXXX, however, that number goes right to strange message.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I did a dispute with XXXX. On XX/XX/2021, I received a letter from XXXX that all bankruptcy items were removed from my public records, on my consumer report. On XX/XX/2021, I sent a certified letter to all 3 credit bureau with the attached letter from XXXX XXXX that the items were removed, due to their inability to verify the accuracy in a timely manner. Also, the courts letter stated that they don't verify information ( that include anyone involving the courts ) I called XXXX on XX/XX/2021 and they said they cant remove the items on my credit report due to XXXX reporting. I called XXXX back on XX/XX/2021 and I spoke to XXXX. He said, that the letter that stated your items were removed from our database ( verified database ) is correct. But then turned around and told us that there's another database ( unverified database ) that consumers are unaware of that the creditor 's use which they pull from that database which still has the information. ( Unethical ) Under the FCRA law they have 30 days to do their investigation. They said that the other database ( XXXX ) dispute can go from 40-60 days. We have provided XXXX from the courts stating they dont furnish this information nor do they verify this information. And that it should be disputed and removed from both databases. I have provided the supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXXXXXX