23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I disputed fraudulent charges on my credit card account ( the " Account '' ) with Macy 's American Express ( " AX '' ), originally in the amount of {$1200.00} ( plus any finance and late fee charges ). I advised AX both in writing and over the phone on numerous occasions that I was a victim of identity theft, and I did not make or authorize these charges, and immediately upon notifying of these charges I contacted AX to let them know that these charges were not mine. In fact, I had not used that credit card for such a long time, if at all. Over the past six months, I requested that these charges be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement showing that I owed no amount on account of the Account. Not only these charges were not removed, AZ continued sending me statements adding penalty and interest and send the account to a collection department. When I call them to follow up, the representatives indicate that the account is still under review but that they can not stop the interest and penalty from accruing. 
Unfortunately, this inaccurate information has affected my credit score which was over XXXX. I have previously discussed this matter with the Company 's Fraud Department at least on five separate occasions and they have informed me that these fraud charges will remain on my account and may affect my credit until this matter is fully investigated and resolved. Please be advised that this practice is in violation of Fair Credit Reporting Act ( " FCRA '' ). 
Under the FCRA, these disputed and fraudulent items should not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if the Company can not verify the debt within 30 days, then it must be removed. Based on the foregoing, I hereby request that you look into this matter and abuse this practice by Macy 's American Express. 
I truly need you help to stop the illegal and abusive practice of AX in the manner described above.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed information as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source.
Product: Credit reporting, credit repair services, or other personal consumer reports

After providing TransUnion with information showing this XXXX wireless account didn't belong to me they still refuse to remove it. This is getting very frustrating because i have provided documentation and they are still failing to remove this item. I have provided a police report stating XXXX was opened by someone else and are results of identity theft. At this point if TransUnion continue to report this unverified account, I will have no choice but to take legal action. I will be using the complaints I have filed, along with all the documentation that I have already sent to the company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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 user vulnerable to scams. 
XX/XX/year> transaction of {$200.00}, transaction of {$500.00}. Zelle and XXXX XXXX  were not able to help me.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

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

Trans union is allowing old accounts like XXXX XXXX report a closed account past due for 30 days I paid it off in full in XXXX there allowing XXXX XXXX  and other accounts included in my bankruptcy to report XXXX and transunion and XXXX refuses to delete a name and addresses that does not belong to me I have already sent a letter with showing my id bank statement and ssc still have misinformation on reports I have a lot of accounts included in bankruptcy still reporting they are allowing inquiries on my credit that I have disputed like 40 inquiries and they still allow the inquiry to stay on all reports
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SENT OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVED In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

The late payment accounts in question are inaccurately reflecting delinquency beyond the dates when the payments were made, leading to an unfair and misleading portrayal of my credit history. I demand that your bureau promptly investigates and updates its reporting to accurately reflect the payments made and the resolution of the delinquent status. Despite my previous disputes and attempts to rectify this issue, there has been no substantial update, and the inaccurate information continues to adversely affect my credit profile. 
XXXX XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I insist that your investigation be expedited, and the necessary corrections be made to my credit report without further delay. The inaccurate reporting is causing unwarranted stress and potential harm to my financial standing. I expect a thorough and efficient examination of my dispute, followed by the immediate updating of the credit report to accurately reflect my payment history.
Product: Checking or savings account

XX/XX/year> approx. XXXX I used the atm at XXXX XXXX atm XXXX XXXX XXXX XXXX, Fl. I tried to pull out {$140.00} went through the motions atm says take card out before dispensing the money as soon as I removed my card the ATM goes black screen and starts to reboot process and of course it does all this before actually giving me my money that I had just posted to my account as being withdrawn from my account so now Im like no way this isnt happening immediately called XXXX they stated I had to call SOFI my bank to get the funds that its not a big issue all they have to do is look at the ATM surveillance footage and see you didnt get your money so I call SOFI and file a dispute XX/XX/year> I received an email from SOFI stating after investigating the dispute no error has occurred case is now closed and I do not receive my money back into my account I never received in the First place. Im so XXXX off first off saying they did an investigation really if that was the case they would clearly see me not receiving any money out of the ATM clearly store surveillance cameras would corroborate the same so I know they didnt investigate thoroughly all they went by was records kept by atm which atm says it issued me the money because its out of my account so that is my complaint they did not do a thorough investigation into my missing {$140.00} Im out of now because a faulty ATM machine I have to just XXXX it up and lose {$140.00} be they say I lied and got the money calling me a liar my bank who is supposed to be on my side and get my funds back for me is calling me a liar now so wrong I will not recommend them to anyone I will make sure everyone knows how they handle such situations with there customers money they do not care to actually find the truth instead call you a liar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.
Product: Checking or savings account

The bank suddenly closed my checking account after normal XXXX activities without advanced notification. It took a lot of work to contact bank assistance since I was traveling abroad, and the robot hotline asked me to provide a card number ( the physical card was not with me ) or to log in to the online account ( blocked by them ). I dialed the wrong department to get live customer service and got a more helpful number. The customer service didn't sound nice, repeating, " This is our final decision. We can not provide a reason for closing your account. '' The initial text they sent me was to let me explain some transactions so they could look into my account, but it did not match what they said in the call. And they suggested the balance " might be mailed to me in XXXX days. '' I have most of the money in need in that account. This activity brought me enormous difficulties in life.
Product: Credit card

On XX/XX/year>, I attempted to transfer Chase Ultimate Rewards Points from my points balance to a published transfer partner, XXXX XXXX XXXX. After receiving an error through the mobile app, I spoke with a customer service representative who also received an error and didnt know how to resolve. 

From there, I was transferred to a specialist, who requested the same information and simply tried what the first rep did. This person also indicated she received an error. She transferred me to someone from IT, who said that she was not even authorized to trouble shoot. I was then re-routed back to a specialist, who said they would escalate but that it could take 7-10 days. I explained that this was not acceptable.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX has refused to remove accounts do to fraudulent transactions. I sent Equifax police reports in XXXX showing that I was a victim of identity theft. They have refused to remove accounts connected to the fraudulent transactions on my report. XXXX is connected to identify theft along with so many other fraudulent accounts. XXXX XXXX, XXXX XXXX loan and the list goes on and on. The last name XXXX which isnt my name anymore because it was stolen and being used for fraudulent activity, divorced and XXXX XXXXXXXX. The address XXXXXXXX XXXX XXXXXXXX IL XXXX was also used for fraudulent transactions using my social security number. I have disputed these transactions and Equifax refused to remove accounts connected to identity theft and fraudulent transactions. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX IL XXXX. This has been a nightmare and unresolved issue for years.
Product: Credit card

Bank of America offers cash back on credit cards. So essentially you spend money using credit card and you get a % back over time as a rewards. They call it cash back. You are able to put the cash on your checking account, saving account, or even credit card. I collected rewards and put it towards my credit card payment in the month of XXXX. Apparently and nobody tells you but you are not allowed to put it towards your credit card as a payment and I was flagged for missing a payment and received a XXXX pt deduction on my credit score. This is greatly impacting my eligibility to refinance my XXXX XXXX property over a {$100.00} payment that was made but they dont wan na count. I have tried to work it through the bank and they are unwilling to offer me any form of help. Do not bank with Bank of America
Product: Debt collection

NCA sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor NCA has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to send it within 5 days. This is a clear violation of the law.
Product: Checking or savings account

Six fraudulent transactions appeared in two separate Bank of America accounts, all occurred XXXX/XXXX/XXXX # 1 from savingsaccount for {$1000.00} # 2 from savings account for {$3000.00} # 3 from savings account for {$3000.00} # 4 from savings account for {$3000.00} # 5 from savings account for {$4000.00} # 6 from checking account for {$1000.00} I immediately called the bank 's customer service line XXXX, but the fraud department was already closed ( I became aware of these transactions just before XXXX XXXX Eastern time ). 

The following morning I called the fraud department, filed claims for both affected accounts, froze said accounts and canceled debit card. I then visited my local bank branch to open a new checking account to which I transferred my remaining balance. I then visited my local police department and filed a police report. 

After two business days I obtained a copy of the police incident report which I faxed to the bank 's fraud department. Another two days later I called the fraud department to inquire whether the fax was received - it was not yet tied to my account but the agent I spoke to made notes of the incident number and municipality of the report.

After another 5 business days or thereabouts, I sent a certified letter to Bank of America fraud claims department containing my personal statement of the events, printouts of my account statements, and a copy of the police report. 

I followed up with weekly calls for updates on the status of my claims and confirm receipt of the materials provided by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX Account # XXXX opened in XXXX. The company closed account without merit in XXXX. Then came after me for monetary of {$250.00} then over {$500.00}. I disputed with agency over three times and with Credit Bureaus. It was closed disputed even fraudulantly. The company never provided proof of amounts. I requested it to be resolved a settlement was offered. Then I knew I did not owe them because they had never provided summary report on account. Kia Financial Motor Account # XXXX. Car was surrended on XX/XX/XXXX voluntarily with no payments due. The company sold vehicle in auction then requested {$7000.00} then over {$8000.00}. I was offered a settlement. The car had been sold repo and there trying to get a double pay. The vehicle has claim form for XXXX class action settlement on XXXX XXXX gasloine direct injection engine. In which I was having problems when leased that is why I retuned it behind defect. The company is trying to profit on two consumers when, vehicle was sold in XX/XX/XXXX. Then the company expected me to pay for XXXX until XX/XX/XXXX. Someone was untilizing vehicle in company they need to be responsible for usage. Also pay for punitive damages of selling a defective SUV that is now in court for defective engine failure. I am requesting that both companies because the accounts are closed be removed off credit report due to insufficient accountability of amounts being owed and fraudulant amounts being submitted as dispute on the record. When it is over three years of servicing me as a customer. Providing updated information when accounts have been closed for not providing proof of service amounts being requested. There being made up as time progesses to receive monetary that is not due for service not being received in XXXX.
Product: Credit card or prepaid card

I had a ex girlfriend who used my credit card without my knowledge to rack up many charges. I had two copies of my credit card and the second copy that I kept in my office " disappeared '' for a time. When I questioned my ex-girlfriend about the missing credit card and the additional charges, she claimed that she did not know. Then the credit card magically re-appeared. I then broke up with her because I knew she was lying to me, we only dated for two months which matches up with the timeline of the charges. 

Some of these charges include her doing her nails as well as her phone bill, for which she even prepaid two months. I expressed this to the credit card company and they ruled in her favor, the agent stated that because she was my girlfriend that I must have given her permission to rack up {$2400.00}. I got a letter in the mail explaining their decision over a month after they had already made it, and I have not gotten an electronic version, therefore once I realized there was a decision, I had no way to call them and dispute their decision before the bill was due. Discover Credit cards dispute process is not transparent and it does not benefit you the credit, there is no clear process laid out and communication from the dispute department is non existent. This shows a clear lack of concern for the rights of their credits and shows that they are out to protect the company. I would recommend using another credit card company like chase for daily purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy.
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I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.
Product: Debt collection

On XX/XX/XXXX I received a call from a woman by the name of XXXX XXXX, a representative of XXXX XXXX XXXX, a Collection firm. I was informed that I owe a debt in the amount of {$7000.00} from XX/XX/XXXX or XX/XX/XXXX- or it went into collections in XX/XX/XXXX ( per the caller ). The caller stated that I was served in the state of Georgia and in New York. I have never been served and I have never resided in Georgia. I requested that the caller send via US mail any relevant information including all signed contracts. I was informed that i would need to go to the court to look up the file I informed her that due to my XXXX I could not go to the courts to research at this time.. I was then informed that the debt will not dissolve until XX/XX/XXXX and my assets will be subject to seizure along with other threats In addition, i was informed that there are ways that my bank account or personal information could be obtained.
Product: Checking or savings account

I disputed charges on my account to Credit Karma and the denied my dispute withing 8 hours. XXXX XXXX XXXX XXXX XXXX XXXX charges for the amount of {$24.00} and XXXX charges for the amount of {$23.00}. I did not authorize these transactions. My account is in the negative now. Overnight my account was drained.