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

On XX/XX/XXXX I visited a grocery store, XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and purchased groceries for the total of {$64.00}, the cashier accidentally charged me {$6400.00}. I did not realize this until after I had walked out of the store. I received a text message from Chase to verify the transaction, via which I declared the transaction fraudulent. I went back to the grocery store stated above and notified them of the error and that I declared the transaction fraudulent to my credit card provider. I then proceeded to have my brother pay for the groceries using his credit card for the appropriate amount. I did this as to void the entire transaction so I did not receive any benefit from the transaction for which I did not pay. On XX/XX/XXXX, Chase placed the charge back on my credit card account stating that I had received a benefit from the transaction and therefore it was not fraudulent. I contacted the merchant and they told me the funds were removed from their account by the credit card company on XX/XX/XXXX. They also provided me a screenshot of the transaction as proof. The merchant has agreed to resolve this issue by writing me a check for the fraudulent amount once they receive it from the credit card company if the credit card company is unable to resolve this issue. The merchant, XXXX XXXX, agrees with the statement above and have no quarrel with me about this transaction or receiving payment for the groceries. When I contacted Chase on XX/XX/XXXX in regard to this transaction, the agent on the phone notified me that Chase was in the process of transferring the money to the merchant. However, by XX/XX/XXXX the merchant had not received any funds. On XX/XX/XXXX I called Chase again and was told that the transaction will be expedited and the merchant will receive the funds within 72 business hours. On XX/XX/XXXX, the merchant, XXXX XXXX, told me that they had not received any funds. I called Chase again to see where they were with the resolution to my claim but I was unable to get in touch with a supervisor, the name of the agent whom I spoke to is XXXX. She told me that she is unable to provide me with the notes on the account and that she will have a supervisor call me back when one is available. I am still waiting on a call back.
Product: Credit card or prepaid card

I am a victim of fraud and disputing 2 charges on my account, I called and sent this via mail, they credited and they put it back again '' So i dont know what else to do so I decided to complain here i dont want to missed any payment because I'm protecting my credit and this was charges to capital one on XXXX  XXXX, XXXX I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$4000.00}, plus fees and interest XXXX- {$500.00} ( XX/XX/XXXX ) /XXXX- {$2000.00} ( XX/XX/XXXX ) /XXXX XXXX XXXX and posted on XX/XX/XXXX, XX/XX/XXXX,. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$6800.00}, and posted on XXXX XXXX. ( XXXX returned ACH $ XXXX XXXX ( XXXX  XXXX- XXXX XXXX XXXX XXXX {$1300.00} and fees and interest. 
I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions.
Product: Credit card

I tried to buy a XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX # XXXX Model # XXXX '' from Lowes with a pick time in XXXX less than XXXX hours ''. The item was not ready for XXXX more days so I bought it elsewhere and did NOT pick up the item. 

Per the Lowes policy " Lowe 's Pickup Policy Any item ( s ) not picked up by the close of business tomorrow will be canceled. '' That was on XX/XX/year>. Now I am being bill for the item and XXXX, the Credit Card bank for Lowes, is making it extremely difficult to dispute the charge. Actually today they made it impossible by putting me in a chat window for XXXX minutes and never responding once I requested a dispute against this charge.
Product: Debt collection

To whom it may concern ; I have been doing everything I can in my power to let XXXX-Account number : XXXX know about this debt. This credit card was stolen and I have submitted police report to the bureaus and to XXXX as well. Now they aparently have sold the account to another company - Glass Mountain Capital LLC - Glass account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX. They are asking for me to pay a debt of {$10000.00}. I have no other choice, but to file a complaint hoping that you will resolve this account. This is a credit card that was stolen. XXXX already know about it and they tried for me to pay them even I show them the police report.
Product: Credit card or prepaid card

We received a debit card in the name of someone not in our household, but using our address. We have also received a change of address from the USPS regarding this unknown individual. I want this card closed and this person 's name removed from our address immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

The Executors reviewed the surety report and identified multiple cases where the report was accessed and shared without proper authorization. The mentioned accounts did not receive approval to access the Executor surety report, and there was no direct benefit received by us. The credit accounts in question were not authorized by the Executors XXXX XXXX XXXX XXXX and are considered nonconsensual. We do not recognize these inquiries, and unless you can furnish a copy of the authorization by the Executor, we request the immediate deletion of all listed accounts. 

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

Please delete this inaccurate information from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I created the background report on XX/XX/2023 now its XX/XX/2023 and the estimated time to finish is XX/XX/2023 but everytime its about to finish they push it back and back like they cant get my information im trying to see why its taking so long to finish it and they told me it would take no more than XXXX weeks it is holding me back because they dont want to do their job but i didnt know it was that hard to look up my information if they had my social security number
Product: Credit reporting or other personal consumer reports

I spoke to a Rep at XXXX, EQUIFAX, XXXX and I also sent in my documents in reference to a BANKRUPTCY appearing on my Credit Report several times. Nothing has been changed on my Credit Report as of today XX/XX/2024
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. 

Account Name : XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX  XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX Balance Balance {$81.00} Date Opened XX/XX/XXXX
Product: Credit card or prepaid card

My husband has a credit card attached to my account, I am the primary carholder. 
On XX/XX/XXXX - his credit card was charged, without authorization, XXXX {$9.00} - XXXX XXXX XXXX WY - the amount was small and we didn't notice the fraudulent charge. 
On XX/XX/XXXX - his credit card was charged XXXX {$9900.00}, without authorization - GET MEMBER ACCESS XXXX - XXXX. 
We tried to call the telephone listed which just takes us to an answering machine. 
We contact the credit card and filled a complain about the XXXX {$9900.00} unauthorized charged, they refund us but in the last month statement I notice that they charged us again the amount. 
I called the Credid Card company - Barclay - telling them that both charges are fraudulent but they don't want to refund us the money. 
I had to cancel both credit cards that I have since XXXX. I use that credit card a lot and always made full payment on time.
Product: Debt collection

To whom it may concern : While reviewing my credit profile recently via XXXX XXXX, I discovered an entry from a company by the name of LTD acquisitions. After making many calls trying to determine where this came from/what is was possibly about I came up 100 % empty handed. 

After attempting to find out where this came from, and being referred to ( typically the same phone number where I began. 

I have been a victim of identity theft at least twice, I have to assume that is what this is all about? 


Thanks you in advance for your consideration! 

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

Im listed as an authorized user on a capital one credit card account I have never used nor had or was aware that I was listed as an authorized user. I have contacted capital one the last 2 years concerning this because this is not right. Nothing has been done. I want this removed from my credit, I dont know the card holder at all who do obtained my information.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to CITI CARDS CITIBANK. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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 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 card or prepaid card

Multiple charges that appeared to be for goods and services that were not accepted or that were not delivered was posted on the Barclay credit card account. The merchant was contacted multiple times, in writing, regarding the dispute and had sufficient time and the opportunity to resolve the issue. By letter dated XX/XX/2020, Barclay advised the undersigned that it was unable to pursue credit on the undersigned 's behalf for the transactions because the merchant allegedly did not have the opportunity to resolve the issue. However, on multiple occasions including on XX/XX/2020, and again on XX/XX/2020, the undersigned advised the merchant that the goods and services had not been received and requested a credit for the transactions without a response. The undersigned forwarded copies of the correspondence that were sent to the merchant to Barclay in support of the charge back process. 

Despite the undersigned 's best efforts to date to resolve the dispute with the merchant, Barclay refused to pursue credit on the undersigned 's behalf including invoking the right to charge the transactions back to the merchant for non-receipt of goods and/or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to request once more to delete the fraudulent items you report on my Credit File. I truly appreciate the efoort and time you have spent on removing some of the items I requested for you to remove. But upon inspecting my updated Credit Report, I noticed that some of the items I previously requested to be removed are still being reported on my Credit File. I sent a dispute letter to you last XX/XX/XXXX, requesting that you take another look into my Credit File and have the disputed items removed as soon as possible. Once again, please remove the following items off of my Credit File : 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These Inaccurate Personal Information are obviously not mine as well as these inquiries are not familiar with me. Under the Fair Credit Reporting Act section 605b, please remove the remaining fraudulent items from my Credit File as soon as possible.
Product: Student loan

On XX/XX/2018, I sent correspondence to Navient regarding my existing loans with them. I received an email basically stating " Don't call us. We'll call you. '' During the investigation of my claim, the loan is to be placed in deferred status. That, also, has yet to happen. They simply are not responding to my request.
Product: Credit reporting or other personal consumer reports

Im very upset to see unauthorized inquiries suddenly appear on my credit report without explanation. This is extremely frustrating, and even after refreshing my browser, the issue persisted. Please carefully check the documents Ive provided so this matter can be resolved at once. I need this problem to be fixed quickly so I can stop worrying about my credit report.
Product: Credit reporting or other personal consumer reports

Experian has taken well over XXXX to delete item fraudulently reporting to credit report & have not send any evidence on how they keep verifying the inaccurate fraudulent account account number XXXX
Product: Debt collection

The business is XXXX XXXX XXXX. I requested and received the amount I paid XX/XX/XXXX for 1 year of home security monitoring which was {$200.00}. In XX/XX/XXXX, I informed XXXX that I would not renew home security monitoring for another year or moving forward. The company still sent me a bill for {$95.00}. I called XXXX on multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to inform the company that I would not pay the bill for {$95.00} for service that I did not renew. 

XXXX filed the balance with a collection agency, Virtuoso Sourcing Group. Upon receiving the collection notice, I contacted XXXX on XX/XX/XXXX to informed the company that I cancelled the service and would not be paying the {$95.00} they claim I owe. XXXX threatened me that if I didn't pay the {$95.00} that it would affect my credit score and ruin my credit. 

After the threat from XXXX, I informed XXXX, a supervisor, that I would file a complaint with the CFPB against XXXX for fraudulent billing, harassment, threats, extortion and malicious conduct, and if needed, file a lawsuit.
Product: Debt collection

A medical debt in the amount of {$280.00} was opened on my credit report on XX/XX/XXXX. On XX/XX/XXXX, I sent a debt verification letter asking for validation within 30 days. I never received a response.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> an unauthorised transaction was sent from my account to another zelle in my contacts. Multiple attempts were made to retrieve funds from chase who stated that I had to receive the funds back from the person despite it being an unauthorised transaction. I then filed a claim with zelle which was closed without sufficient explanation. The funds lost totalled to {$320.00}. 

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I am extremely concerned about this lack of accountability and transparency.
Product: Credit reporting or other personal consumer reports

See details, rates, and fees for XXXX XXXX offer options for XXXX XXXX Karma Guarantee : You'll be approved or CK will pay you {$50.00}. 

XXXX  XXXX XXXX Reviews Regular purchase APR:24.24 % - 35.24 % * Variable Annual fee : {$0.00} intro with auto pay, then {$39.00} after first year
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I noticed Wells Fargo was on my credit report I know thats account was cleared however XXXX  and XXXX  has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove wells fargonis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because Wells Fargo is a fraud and they do crooked XXXX to original creditors/consumers. 
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that Wells Fargo would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately XXXX  and XXXX  did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX XXXX no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed immediately