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

XX/XX/2019 Hello CFPB Agency and Good Day. 

Bank of America retired their online " ShopSafe '' " virtual credit card number '' service on XX/XX/2019. 

My credit information was confirmed by XXXX to have been leaked in the XXXX  data breach. 

I use the Bank of America " ShopSafe '' " virtual credit card number '' service to ADD A LAYER OF SECURITY when using my credit card online by choosing to expose ONLY a user-specified amount of my full credit limit combined with limiting those funds to be available for ONLY a user-specified period of time. 

Removing a consumer 's ability to voluntarily ADD A LAYER OF SECURITY when using their credit card online seems to run against common sense when we are already acutely aware of the growing number and magnitude of data breach and identity fraud events. 

In some ways, providing consumers with the ability to ADD A LAYER OF SECURITY when using their credit cards online kind of resembles " two-factor authentication via email ''. It's SIMPLE. 

" ShopSafe '' is not an elaborate system, but enables online credit card users to add a measure of credit card restrictions and limitations by shielding the credit card number, by limiting the transaction dollar amount and by limiting the time period that dollar amount is valid. 

I can find no equivalent program for using my credit card online that provides these same customer voluntarily-selected credit card restrictions and limitations features. 

I hope that within the CFPB agency there are those who are aware of how to provide the consumer with voluntary methods to ADD A LAYER OF SECURITY when using credit cards online as well as HOW TO PRESERVE the customer 's ability to do this. 

The seemingly arbitrary termination of this credit card security enhancement program ( in use for over 20 years by Bank of America ) does not seem justifiable, especially from the very bank that offers the ShopSafe program ( BofA ) on  the credit card that they ( BofA ) issue. 

This takes on increased urgency especially with awareness of increasing number of data breaches and Identity fraud. 

Please tell me if you are aware of methods, programs or services I may use to ADD A LAYER OF SECURITY when using my credit card online. 

Thank You for your consideration and for your help. 

Respectfully Yours.
Product: Debt collection

Good day, I started receiving calls from this company several years ago. Apparently, it's in reference to a debt that I have challenged. I have asked them to stop calling my work cell number. They have apparently found other numbers associated with me and repeatedly call. I would say the earliest calls are around XXXX and the latest are around XXXX. The worst was on Wednesday, XX/XX/XXXX at work. Call was about XXXX. When they asked to speak to me I asked who it was. The guy said he was a " surgical doctor '' and needed to speak to me. I challenged and he demanded me to pass the phone to the person he was looking for. I ended up hanging up. 

In addition, I have received emails from this company. Not threatening yet.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX OneMain Financial Group XXXX XXXX XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX Subject : Dispute of Unfamiliar Credit Inquiry Dear OneMain Financial Group, I am writing to formally dispute an inquiry that appears on my credit report, made by your company. The inquiry details are as follows : Company Name : OneMain Financial Group Inquiry Date : XX/XX/XXXX Comment : Unspecified ( Scheduled to continue on record until XX/XX/XXXX ) I do not recall authorizing or initiating any transaction or inquiry with OneMain Financial Group. I kindly request that you provide me with verification of this inquiry, including any documentation proving my authorization. 

If this inquiry is found to be inaccurate or unverified, I request that it be removed from my credit report. 

Under the Fair Credit Reporting Act, I ask that you conduct a thorough investigation and provide the results within 30 days. Please send any responses or documentation regarding this dispute to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was notified by XXXX that a new account was placed in collections. Opened in XX/XX/2016 and placed in collections XX/XX/2016 for {$810.00}. I have not applied for a payday loan nor has any money been deposited into my bank account.
Product: Credit reporting or other personal consumer reports

Inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, which went bankrupt a different company reporting I now owe them, closed accounts from more then 10 years old, paid accounts still showing as open on my credit report, 3 auto loans that were either closed or paid of by insurance companies still showing up as delinquent or open on my credit report
Product: Debt collection

My credit report stated that I owe AT & T U-verse {$1200.00} since XX/XX/year>. I don't want to be contacted to the dept collectors anymore, I want this debt off of my credit, I would at least like to work out with a nigosiation with XXXX XXXX XXXX. 

15 USC 1692c : Communication in connection with debt collection : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is afteXXXX XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; if the debt collector knows an attorney concerning such debt represents the consumer and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer for such debt, except to advise the consumer that the debt collector 's further efforts are being terminated ; to notify the consumer that the debt collector or creditor may invoke specified remedies which such debt collector or creditor ordinarily invokes ; or where applicable, to inform the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is mailed, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Today, XX/XX/2021 I opened crypto.com app. I signed in today and got it registered. I had to put my debit card information so I can purchase dogecoin. I however did not proceed with the purchase. I checked my account and they charged me XXXXcents. this crypto site never disclosed that It will be charging my account to setup crypto.com. They have violated this and not anywhere in the beginning mention that you will be charged any fees. The only fees I would think they will charge if I purchase any bitcoins. This is a fraud. Please investigate
Product: Payday loan, title loan, personal loan, or advance loan

I have a solar loan that was originally through XXXX, formerly known as XXXX. I am in the process of selling my house and the loan contains a clause that permits the assumption of the Loan by a qualified third party, subject to the conditions set forth within the agreement. An agreement conducted and executed in accordance with the TILA. I was sent an Assumption form from XXXX on XX/XX/XXXX. The form was completed by my XXXX  and returned on XX/XX/XXXX. We never heard anything back from XXXX about the account. The XXXX XXXX attempted to get access to the account and was unable to get into the account on XX/XX/XXXX. I reached out to XXXX to attempt to identify and resolve the issue to discover that on XX/XX/XXXX my loan was transferred to a different company, the day before my assumption information was sent to me. I reached out to the new company handling my account, Concord Servicing. Concord Servicing handles the account for a company called XXXX, but there is no way to call the XXXX company according to the Concord Servicing call center. After asking Concord Servicing to send an Assumptions packet so we can start the process for the second time, now with the correct company, I was informed that " XXXX has decided to not allow any Solar loan to be assumable. '' In my opinion, this refusal to permit the loan assumption constitutes a breach of contract. There has been multiple attempts to contact and resolve this issue both by phone calls and emails from myself and my real estate team handling the sale of my home. Every time we call we are told to send an email and that they will reply within 7-10 business days. They will not attempt to escalate anything and they will not open the email box and look at any communications that are sent to them. I was told the wrong email address twice during this process. Started Calls to this company on XX/XX/XXXX and emails started on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

Kindly take a moment to look over the attached documents at your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up to my complaint last XXXX/23.you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., Please block these items that resulted in alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed regarding an inaccurate bankruptcy account that Lexis Nexis has under my name and social security number. I also requested Lexis Nexis to freeze any information they have under my name and social security number. I exercised my rights by submitting a written dispute with my name and full social security number. In turn I was refused a freeze and refused a dispute unless I provide them with more personal info e.g. my driver 's license number etc. I already provided them with my full name, address and social security number. This company is providing others inaccurate information that someone else published inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

idtheftvictim.Ineedtheseitemsremoved.fraudXXXXXXXXXXXXXXXXXXXXchapterXXXXbankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with XXXX  XXXX XXXX over the past few months to DELETE / REMOVE any reporting in regards to the unauthorized Charge-off account they have failed to prove belongs to me. It is also the responsibility of EQUIFAX and XXXX to report accurate accounts/information on personal credit reports per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX AND XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have failed to respond and prove/validate contractually the charge-off account belongs to me within 30 days. Below is the reporting account that should be Removed / Deleted from my EQUIFAX AND XXXX credit report. Also attached is a copy of my police report for your records. 

XXXX Reporting Charge-off Account : XXXX XXXX XXXX - Account # : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED EQUIFAX Reporting Charge-off Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX DATE OPENEDXX/XX/2015 STATUS : CLOSED Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove it immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to reach out to the company to fix the problem they told me that I had to use my account by XX/XX/XXXX or that it will be close for inactivity. I use the account on XX/XX/XXXX. I have a receipt the purchase agreement and signature. My XXXX also has the sequence code, they started to work on my teeth and XXXX XXXX XXXX, then lending club closes my account due to inactivity. They then said that the charge did not post or show on my account yet. Only the promotion does my doctors office has the fax confirmation the bill my signature, the sequence code purchase agreement with the date and everything, and they still closed out my account and have not opened it, and the dental work has already begun and started on my teeth, I have reach out to them and theyre telling me its nothing that can be done yet. They illegally closed out my account. I did use the account before the deadline and I have the proof of purchase and receipt in my dentist has the sequence code. I want them also to be held liable for damaging my credit report. I now have a closed account showing on my credit profile which I shouldnt have because I did use the account and I have all the documents to prove it when you make a purchase you also have to make a purchase over the phone with a purchase XXXX through customer service so XXXX of their agents even push the purchase through.
Product: Credit card

Around XXXX XXXX  on XX/XX/XXXX - I called the customer service number. I made payments but I still had customer service call me to find out if payment has been posted.

The customer service person was slurring and sounded drunk/high. When I told him I can not understand him. He became aggressive and started yelling the answers at me.

I asked him if I have a balance he said no. I told him I keep getting calls from bill collector than he says yes I have balance. 

I told him I have 2 cards. One is store card and one store mastercard - which one has balance. He said he CAN NOT tell me.

I authorized who I am and recited last 4 numbers of the 2 cards so I know which one to pay. He kept cutting me off saying NOPE, NOPE, NOPE.

Than I told him he is extremly rude and I need a manager. He than mumbled " Too Bad '' followed by I am sorry after I mentioned I am reporting to CFPB.

This person sounds unhinged and I am afraid he has access to home address, social security number etc.

This is how peoples credit score gets impacted and creditors show missing payments when trying to make payments. 

I still do not know which account has the balance and how to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX This inquiry does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX unlawfully furnished personal information on credit report and also furnished to non affiliated third parties without my consent which is illegal and not lawfully. 

According to USC 1681 ( a ) ( i ), transactions between the consumer and person furnishing the report IS NOT supposed to be included in a consumers credit report.
Product: Debt collection

Caller stating co name as First Recovery called abd left msgs with my family member. I called the number back using case # XXXX provided by msg. Their number which did not state a company name XXXX. They said I had XXXX cases out on me, said i would be arrested at my job. They claim it was for an outstanding payday loan that I know nothing of. That asked me to verify my ss #. They claimed they wouls send the police to my jon. I asked for company unfo. They hung up on me. I called back for a fax number and was given XXXX. I said i wanted to send simething in wtiting to not call mt family or job to send info by mail. They hung up in me and continue to call.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
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 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

It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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