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

1 ) On XX/XX/XXXX I purchased a MasterCard Gift Card from XXXX issued by US Bank National Association and serviced by XXXX. Card number : XXXX XXXX XXXX XXXX. 
2 ) On XX/XX/XXXX I activated the card and discovered that on XX/XX/XXXX there was a single fraudulent charge of {$190.00} for a XXXX gift card. I immediately notified XXXX at XXXX. After an extended hold I spoke to a XXXX. She directed me to send my contact info, proof of purchase, copies of the front and back of the gift card, the merchant information, and the reason for my dispute by fax to : XXXX. 
I have copies of those documents and fax verifications. 
3 ) On XX/XX/XXXX I faxed a letter demanding action along with another copy of the items faxed over previously. 
4 ) Life got in the way and there was no follow up until XX/XX/XXXX. 
5 ) On XX/XX/XXXX I spoke to a XXXX who took my info and she said she would forward the info and notify the fraud unit. She also instructed me to email documentation directly to the fraud division at : XXXX, which I did. 
6 ) On XX/XX/XXXX I made a follow up call and was lucky enough to speak to XXXX again. ( I remember her as understanding of my plight. ) She transferred me to a supervisor identified as XXXX XXXX. XXXX XXXX informed me that on XX/XX/XXXX there was a {$200.00} provisional credit issued to a XXXX XXXX. She had no explanation as to this XXXX XXXX. She told me that she would submit an escalation advising of the credit being issued to the incorrect party. She told me someone from the escalation department would contact me within 24 hours. 
7 ) On XX/XX/XXXX I spoke with a XXXX who identified herself as a floor supervisor. I related the whole story ( again ) including the question as to why the credit was not issued to me or why I have never been contacted. She told me that no one in a higher supervisory role was available to speak with me. And she promised that I would be contacted within 24 hours. 8 ) Cricket
s! 
I have documentation for all of the above events. I have been stonewalled with their hope that I would just go away... and it almost worked. I am fortunate that I am not in dire financial straits and desperately needed the money. I believe their tactics routinely take advantage of those less fortunate.
Product: Credit card or prepaid card

Hi Hair I got a notification from Credit Karma saying that I have one of their, guarantees if I was denied I would get a {$50.00} credit also lies about having great circle approval as I get an approval for credit card and once I apply I will get a deny and adding on my credit score this is palms are trying to work out with Credit, so for five years and it had affect my credit score bad So I am looking for some kind of a conversation some kind of solution of why I was XXXX XXXX and applying for a XXXX  that they know I dont have no great chance of being a approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Jpmcb card acc # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the results of the recent investigation into the unauthorized inquiries on my account. 

Below is a list of the inquiries that were made without my authorization : Unauthorized Inquiries 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

i was financed for a loan on a used vehicle that turned out to have the miles rolled back. XXXX XXXX with the DOT is working my case. The company I have the loan through wouldnt accept my first months payment, have no repossessed the car and are reporting my late payments to the credit bureau too. The are fully aware of the mileage being rolled back and that I have filed a complaint with the DOT. I should be exempt from responsbility of this loan because the car 's value isnt even worth the down payment of {$2000.00} that I lost and now my credit has gone down the XXXX because of their filing to the bureau. I have filed a complaint with the Iowa Attorney General too.
Product: Debt collection

On XX/XX/19 I received a phone call from a debt collector ( TSI Prime Collections Agency ). They were attempting to collect a debt for {$390.00} from XXXX XXXX XXXX. In XX/XX/2019 I filed 2 fraud claims with XXXX XXXX XXXX. As of XX/XX/2019, the investigation is still in progress. Despite the long length of time it has taken to complete the investigation, XXXX XXXX XXXX assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. TSI is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both TSI Prime and XXXX XXXX XXXX Recovery Department, neither one of them could explain the difference between the two amounts. I would like to request an explanation for the discrepancy as well as a timeline as to when the fraud claims will be resolved so that I can be cleared of all involvement with TSI and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report with all three ( 3 ) bureaus ( Experian, XXXX and XXXX ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows my XXXX credit card with late payments prior to being closed through bankruptcy. The card was under XXXX XXXX  and not a XXXX card.The card was in use thus proving payments not late as we would not be permitted to use a delinquent account.This account was never late but closed through the bankruptcy and payments were made via my XXXX XXXX account to XXXX XXXX   and with much difficulties to tracking at this late date and I only have access to check numbers not to who the check was made out to.If they can supply me with monthly due I will try to locate these payments NOT TO XXXX CARD OR XXXX XXXX!!! Thank you
Product: Debt collection

I have been sent to collections to two different companies for the same debt with two different amounts. I believe Macy 's has violated FDCPA by laws as well as these debt collectors. I have attached two separate letters to validate my complaint.
Product: Bank account or service

Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX 's request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Debt collection

Dear The Bureaus inc, I am writing to address the response I received from your office dated XX/XX/year>, regarding the alleged debt associated with my name. Upon reviewing your response, I find it necessary to bring to your attention several issues regarding the handling of this matter and the violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

In my previous correspondence, I explicitly requested validation of this alleged debt, as I was unaware of its existence. I also emphasized my rights under the FDCPA, which mandates that debt collectors provide validation of debts upon request. However, your response failed to provide any validation of the alleged debt, thereby violating my rights under the FDCPA.

Furthermore, in your response, you referenced a law that does not exist, namely " 15 USC 1692g Sec. 809 ( b ). '' This misleading reference raises concerns about the legitimacy and accuracy of your response. The actual law pertaining to debt validation is found in 15 USC 1692g, which outlines a debtor 's rights to request validation of a debt. This discrepancy further undermines the credibility of your response.

Under the FCRA, debt collectors are required to provide consumers with notice of a debt within five days of the initial communication. However, I received no such notice from your office. Additionally, you furnished this alleged debt to the three Credit Reporting Agencies ( CRAs ) without providing me with proper notice, thereby violating my rights under the FCRA.

In your response, you claimed to have verified this alleged debt and provided me with proper notice. If this is indeed the case, I demand that you provide me with the certified mail receipt with my signature on it, confirming that I received notification of this alleged debt. Furthermore, I request that you provide me with all signatures of individuals who verified the accuracy of this debt and details of the steps taken to verify its accuracy.

This letter serves as my final complaint to your office regarding this matter. I demand that this alleged debt be immediately deleted from my records. Failure to comply with my demands will result in legal action to ensure that my rights are upheld and that justice is served.

I expect a prompt response to this letter, confirming your acknowledgment of my demands and your commitment to resolving this dispute. 

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

I am disappointed that my credit file is not corrected even how many times I disputed the listed items. XXXX and Equifax proceed their investigation and also removed items that I mentioned. I've already told you that my report contains accounts that are the results of identity theft.
Product: Debt collection

On XX/XX/2021 I filed a complaint against XXXX XXXX who is trying to collect a debt he claims my sister owes him. The complaint number is XXXX. On XX/XX/2021 I received the resolution from Square who says it appears to be a phishing scam and Square would never ask for money. I responded that I did not think this fixed the issue. I have just now again received a demand for payment, from the same person, XXXX XXXX, this time through XXXXc, and again another one from the same company as before, XXXX at https : XXXX } XXXX. ( the symbol before the numbers " 101 '' after " XXXX  '' is strange one, a vertical squigly that my computer keyboard does not provide I don't believe the CFPB investigated the correct entity..it may not be the companies that are wrong, unless they accept any claim for payment coming through their site, it appears to be the man, XXXX XXXX, who is initiating the fraudulent claim. I previously provided his telephone number, XXXX area code. Can you please look at the original claim again, nothing has been fixed. I received the same message only 2 days after you believed it to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX and XXXX XXXX XXXX XXXX and 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 602 A .Section 2 : IT Also States A Consumer Reporting Agency can not Furnish a Account Without My Written Instructions.

15 U.S.C 1681b A Creditor May not treat a payment on a Credit Card Account under an open end Consumer Credit Plan as a Late for Any Reason
Product: Credit reporting, credit repair services, or other personal consumer reports

When requesting a report from Equifax, I consistently receive a hard time regarding verification of MY PERSONAL REPORT. The information they have is NOT accurate and they require me to send and re-send documents only to repeat the same issue. 

Previous complaint still applies : Have been going back and forth with Equifax. They have 2 credit profiles for me, in which I have sent in my passport, and SSA letter with my address. I have in the past had my wallet stolen, however, I have sent in documents VERIFYING my identity. There should be no confusion as the documents come from the federal government. EQUIFAX refuses to update and correct erroneous information, although, I have a copy of my report from XXXX. When calling, each agent has asked general question about my profile : do you have a charge card, if so how much is the repayment? Once I answer their questions based on the report generated from Equifax, they still tell me Im incorrect. I have faxed my supporting documentation to XXXX XXXX, and the complaint department.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I checked my credit report this morning and saw inaccurate accounts listed. I always monitor my report regularly, and this is the first time Ive encountered discrepancies that seemed to appear out of nowhere. Hoping it was just a browser error, I refreshed the page, but the inaccuracies remained. This issue is upsetting, and I am asking for the documents Ive sent to be reviewed carefully so I dont have to deal with this type of stress again.
Product: Credit reporting or other personal consumer reports

Subject : **Dispute of Inaccurate Information Repossession/Charge Off Account** To whom this may concern, I am writing to formally dispute the accuracy of a reported account on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified an entry related to a repossession of a vehicle, which I believe is inaccurate and requires investigation.

The entry in question is related to a repossession of a vehicle from a dealership that is no longer in business. Specifically, the original creditor listed is XXXX  XXXX XXXX, and the account number is XXXX. As the dealership ( XXXX XXXX, XXXX XXXXXXXX XXXX ) has ceased operations and is no longer in business, I have not been able to verify the accuracy or legitimacy of the debt.

Under the FCRA, I am entitled to a timely investigation of any disputed information on my credit report. As the original car dealership is no longer available for validation or resolution, I request that you initiate an investigation into this entry, including verifying the validity of the debt, the correct amount, and the accuracy of the reporting of the repossession.

Please be advised that, in accordance with the FCRA, you are required to complete your investigation within 30 days and provide me with the results in writing. If you are unable to substantiate the validity of this account, I request that you remove this item from my credit report.

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

Mechanics Bank XXXX XXXX has violated the FCRA Regulation V/ FCRA Section 623 ( A ) ( 7 ). duty to provide the customer with written notification about the insertion of negative information after 30 days of its insertion. I have never received such notification from Mechanics Bank XXXX XXXX in the past or present, If Mechanics Bank XXXX XXXX feels that they have sent me the proper written notification within the legally allotted time frame according to federal law, I am requesting a copy of the certified return receipt bearing my name and signature. If Mechanics Bank XXXX XXXX can not produce the requested document mentioned on time, I am requesting immediate deletion, or I will not hesitate to start litigation to seek monetary damages for noncompliance and civil liability.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that these unauthorized fraudulent accounts be removed from my credit file. The following accounts I have never did any business with. They do not have the right to harass me by reporting these fraudulent accounts on my files. I'm asking that they be removed. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX, XXXX {$170.00} 3. XXXX, XXXX {$810.00} 4. XXXX, XXXX {$570.00} 5. XXXX XXXX  XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Six months ago I began disputing a XXXX XXXX XXXX  credit card that appears inaccurately on my Experian credit report. I sent 2 disputes months apart asking for the inaccurate account to be removed and it is still on my credit file. Im not getting any feedback from Experian and have been monitoring my file closely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently been trying to dispute errors on my credit report, On my credit report for XXXX XXXX XXXX XXXX XXXX, the loan balance that's showing is incorrect, I have made all my payments to current and my current balance as of XX/XX/2023 is {$1000.00}. On my credit report its stating that I have a balance of {$1500.00} that is incorrect!!!!!!!!!!!!!!. I have sent numerous documentation providing that the information is incorrect but XXXX has failed to update this information. I have supporting documents stating that the loan balance for XXXX XXXX XXXX XXXX XXXX is incorrect, This needs to be updated to current and the current loan balance amout which is {$1000.00}. XXXX need to update this information to the current amount and loan statues Blincloans, Inc Has been reporting my credit report as late and a balance of XXXX this information is incorrect!!!!!!!!!!!!!. I have been paying all my loan amount and the current balance of Blincloans , Inc is {$200.00}. XXXX Failed to updated this information on my credit report. I have documentation stating that my account is current. I have been reaching out to XXXX and the credit agency. I was informed that my account are both current and needs to be updated.
Product: Credit reporting or other personal consumer reports

I've found again that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance {$1700.00}
Product: Money transfer, virtual currency, or money service

My checking account was defrauded of over {$3000.00} in a single unauthorized ACH Debit transaction. The impersonator had been able to submit ACH transfer from my account as debt repayment. 
I contacted XXXX XXXX XXXX  ( my banking institution ), and they reimbursed me for the loss. 
This type of fraud seems to be a systemic issue. 
Such unauthorized XXXX XXXX transactions should not be possible. 
There must be text a phone call confirmation with the account holder prior to a debit transaction execution. 
Please help protect consumers from this type of fraud. 
XXXX XXXX request was received from Union Bank by some XXXX XXXX. 
I am not sure how criminal charges can be brought up against this person.
Product: Money transfers

My wife and I bought a product called XXXX XXXX XXXX in XXXX XXXX. The purchase was contingent on XXXX XXXX XXXX XXXX XXXX, purchasing our XXXX weeks of timeshare at XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and we started the process. XXXX XXXX XXXX XXXX is located in XXXX Az. In the process of trying to close XXXX XXXX had me wire ( XXXX/XXXX/2015 ) {$20000.00} to an escrow account in XXXX, purpose to paid the taxes on the sale. This money was to be completely refundable at closing.. XXXX XXXX XXXX, 2015 told by XXXX XXXX that I needed to send another {$5100.00}, my half of the transfer fees. I did this. When it came time to close I called and was told that XXXX XXXX no longer works for XXXX XXXX XXXX XXXX. She was remove because she stole the {$5100.00} by having that money sent to a different account in XXXX. I have filed a complaint with the Better Business Bureau. I stopped the down payment that was put on my credit card. 

Please advise what action can be taken to get the {$20000.00} and the {$5100.00} back from XXXX XXXX XXXX XXXX. I can provide all the documentation and time table of events. My number is XXXX. 

XXXX XXXX