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

Several years ago, I had a XXXX credit card, which I used. This card was replace with a Comenity Card ( XXXX ). I do not use this card. 
- XX/XX/2023, I received a bill ( statement closing date of XX/XX/2023 ) Due {$120.00}. I had not charged anything to this card. I also checked with the additional card holder to see if this was a valid charge. 
I attempted to log into the account, and the account did not recognize my email address. 
- XX/XX/2023, I contacted the bank to let them know, we were unaware of any changes to this card. I spoke with XXXX XXXX  She identified the card had been used in Texas and Florida, I confirmed these were not my charges and asked to have the information sent to their fraud area and to close the account. She agreed to do so. 
- XX/XX/2023, I was contacted by the collection department, XXXX XXXX. to let me know I had an overdue billing and she would be happy to take the payment information over the phone. I did not provide that to her. She was unaware of my recent conversation regarding the balance. 'Not on her screens ' - XX/XX/2023, I contacted Comenity at the number above and spoke with XXXXXXXX XXXX XXXX I explained the situation, and again requested the card account be closed. She assured me she would close the card account, stated 'just because we say we will do something doesn't mean the system will allow us to do that. ' - XX/XX/2023, I received a new card and account ( XXXX ), and in a separate mailing, a new bill from Comenity, the disputed amount from previous issue was now transferred to a new account. I spoke with XXXX  XXXX at Comenity regarding the situation noted above. XXXX identified for me that my 'old ' account had been resolved, but would remain open as I had a XXXX credit. I explained, I did not have a credit, as I had made no payments, and the credit appeared to be on their end related to calculating the disputed amounts. He identified that as long as I did not activate the new card - ( XXXX ), it would not show up on my credit report as past due. This billing also had a late fee {$29.00} listed. 
- XX/XX/2023, I contact the phone number to see is the account was closed or unavailable for activity. I was still open and active with available credit > {$8000.00}. I then called and spoke with XXXX XXXX  identified the problem, old and new. Additionally, I now had Comenity on my credit report as a, inquiry for new credit, and a late payment. I explained this to XXXX who agreed to provide me with a letter stating the issues, that could be used in the event of a credit dispute. I asked him to please close both accounts and to provide me with fraud information. 
- XX/XX/2023, I received the requested letter from XXXX today, and noted it was only for the account that was never opened by the bank but never activated by mean, and which is suppose to be closed. 
I am concerned that my card is available to someone for use and I am at a loss as to how to get this account closed. My credit rate has dipped XXXX points due to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your letter in response to the Equifax dispute I initiated on  XXXX / XXXX /  XXXX  .   Included, I have enclosed copies of the letter you sent me. ( see attached ) The purpose of this letter is to advise you that an improper investigation was conducted by your agency.   Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Sectio n 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.    Furthermore, you have failed to provide the method of verification as required under Secti on 611 ( a ) ( 7 ) .Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA  you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consume r reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under secti on 605 or  can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request validation of the debt including the following :  HIPAA Release form in its entirety allowing this third party to have complete access to me medical file sign ed and dated by me Copies of all information regarding the above-referenced debt, including detailed statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties.   Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees.   Also, please provide me with a complete description of your clients identity, including its full name, address, state and local lice nse ( s ) and state and federal tax numbers.    Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it.   Copies of copies are not a form o f Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified , invalid accounts must be removed. If you are unable to provide me with a copy of the validated proof that you have on file, within  30  calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.   If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter.
Product: Credit card or prepaid card

In XX/XX/2023 I contacted Capital one, requested information about travel benefits. I was advised that I was eligible for the TSA-check benefit for me my spouse and my children as long as I use my quicksilver card. I booked my travel through Capital One and I did my TS pre-check and use my Capital One quicksilver card as instructed. When I received my statement I noticed I did not get credit for the TSA charges contacted customer service they told me they were sorry but my card was not eligible for this benefit. I asked three times to speak to a supervisor for my call to be reviewed and for capital one to honor the information I was given by one of their employees in XXXX. I was advised that was not possible and neither was a credit therefore I am contacting CFPB because I believe Ive been giving wrong information and capital one will not correct their error Ive been a long time customer and Ive never had a problem with Capital One until this incident thank you.
Product: Credit card or prepaid card

When I presented my complaint to the card business, I was told it would take up to three months to resolve the issue. My assumption was that someone had used my credit card number. 

My credit card statement dated XX/XX/2020 showed a charge in the amount of {$1500.00}, that was posted on the statement XX/XX/XXXX, made by XXXX XXXX XXXX The telephone number was XXXX CA, with a reference number following. It was a bogus number. 

I disputed the charge, and the transaction post date was shown as XX/XX/2020. The terminology used is as follows : DISPUTE ADJ TO ACCOUNT {$1500.00} with reference number following, but no minus sign. 

On post date XX/XX/XXXX, again : DISPUTE ADJ TO ACCOUNT {$1500.00} with the same reference number as XX/XX/2020 but this time, with minus sign. It was explained to me at the time that an error was made by listing the {$1500.00} twice, but was unable to explain why the minus did not show up for the second listing. 

On XX/XX/2020, I received a letter from the resolution team for the card company that reads as follows : " The credit previously issued to you, in the amount of {$1500.00}, is now considered permanent and this notice serves as a final resolution of your claim .... '' I was not given any reason for the charge on my account, or that any investigation was done. 

However, I have learned that the telephone number for XXXX XXXX XXXX is bogus, and I believe this card company I'm with do not have the tools with which to " catch a thief '' My record shows that I pay all bills that belong to me.
Product: Credit reporting or other personal consumer reports

This account has a late payments XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received two reports from you, one only contains the date and rating, that is not what I am asking fo. I attach the two reports that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my account.

Account XXXX XXXX XXXX XXXX ( CLOSED )
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXX XXXX  / Account # : - XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : - XXXX INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The lease was returned after full term of 3 years. After it was returned they claimed I owed a ridiculous amount when car was in mint condition. They were mad that I didnt want to buy car after lease was finished and added unauthorized fees to account.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Account number 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 or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX HAS STOLEN AND USED MY INFORMATION ON MULTIPLE ATTEMPTS FOR HER OWN GAIN!! SHE DID MY CREDIT REPAIR WHEN SHE ONCE HAD A BUSINESS FROM XXXX! 
THIS FRAUDULENT ACCOUNT HAS BEEN SENT TO COLLECTIONS ON XX/XX/2024, AND IS NOT MY ACCOUNT!!! SHE LIVES IN XXXX, I RESIDE IN XXXX, XXXX! PLEASE PUT THIS ACCOUNT IN HER NAME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT! SHE IS THE ONE WHO RESIDES OR RESIDED IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX!
Product: Credit reporting or other personal consumer reports

I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. 

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

I was trying to get my free credit reports from the 3 main agencies. Equifax, XXXX, and XXXX. All three had incorrect security questions, one on XXXX and 2 on XXXX but I was still able to access them and they had nothing of concern on the reports. However, Equifax had all security questions wrong and I was unable to access my report which I am entitled to. I am very concerned that I might be the victim of identity theft due to the incorrect questions they asked. I called 4 times to dispute, was transferred twice only to get disconnected and the XXXX live agents I got refused to help me unless I paid for the report. I refused to pay for it as I am entitled to the free report, but if I am a victim of identity theft I can't wait for the 2 to 4 weeks in snail mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the charge off that appears on my credit report, which I believe to be inaccurate and incomplete. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), I am entitled to request that the credit reporting agency investigate and correct any inaccurate or incomplete information on my credit report. 

Specifically, I am disputing the accuracy of the charge off that appears on my credit report, which is a violation of the FCRA 623 ( a ) ( 2 ). The charge off was reported by XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX for an amount of {$1300.00} or {$0.00} I'm unsure? Date of Charge Off is unknown because does not show on credit report. Date of last payment says XX/XX/2022 but shows no payment history. However, I believe that this information is inaccurate and incomplete, which is a violation of the FCRA 623 ( a ) ( 1 ).

In accordance with the FCRA 611 ( a ) ( 5 ) ( A ), I have enclosed copies of my credit report to support my dispute. I request that you investigate my dispute and, if you find that the information is inaccurate or incomplete, correct or delete the information in accordance with the FCRA 611 ( a ) ( 1 ) ( A ).

Please send me a written response to this dispute within 30 days of receipt of this letter, as required by the FCRA 611 ( a ) ( 2 ) ( A ). If you are unable to complete the investigation within 30 days, please provide me with an explanation of the delay and an estimated completion date, as required by the FCRA 611 ( a ) ( 2 ) ( B ).

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

I reviewed my Consumer Reports and noticed that I have one late payment on an account that I was never late for. In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 

Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy, however, they are violating 15 USC 1681 Section 604A section 2 which states a consumer reporting agency can not furnish an account without my written instruction. I have never been late on payments for the account that i have included screenshot inside this complain in on dates of XX/XX/year>. 

Please investigate and provide Proof with statements showing that these payments were late and the proof of my written consent to consumer reporting agency to furnish negative items on my XXXX XXXX account. 
If proof can't be provided, I demand these payments be updated to Paid on Time as they should be. In accordance with 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

I contacted this collection agency in regards to the debt. I was asking questions about the credit reporting guidelines and I tried to ask the representative for the validation of the debt, because I paid this off directly to the original creditor prior to being placed in collection. I never received notification via mail that this debt was owed originally. As soon as I started asking for proof, the representative became short, told me he had to go, refused a transfer to a supervisor and refused to supply a name. The behavior exhibited by this agent confirms my suspicion that this is a fraudulent debt when I asked for proof. I 'm requesting I receive written validation of this debt from the original creditor including a payment history as this remaining balance was paid. I request the derogatory mark be removed from my credit report until I receive these documents to my correct address.
Product: Money transfer, virtual currency, or money service

EDD Money Network SCAM!! 
I am out of job for 2 months and all the support money i received from state of California has been ripped off from the Money Network account. The Money Network app is the worst app. Someone changed the phone number, and transferred all money to an unknown account. I didn't receive any notification in phone or email to verify the transaction. This is a scam from someone in Money Network who knows the system well from insider for sure firstly go through the frustrating times of losing a job and no money to support the family, and then get scammed from the government provided app and ripped off all the little cash we get. The worst ever to scam people in the most vulnerable times!! Please request we need to make this stop. 
More incidences reported by people here XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

As I was looking through my credit report I noticed some hard inquiries that are not mine
Product: Money transfer, virtual currency, or money service

Last summer  I saw a XXXX ad for a company called Transferwise  I am very Financially minded so I was interested in the services of the company , especially their Borderless Account , allowing you to transfer money  Between various currencies instantly all within the app   I had no particular use for the service at the time , but I wanted to play around with it, and since the company officially allowed for payments using visa or mastercard  , and because my Chase credit card did not treat transferwise like a Cash Advance, which at the time I thought was neat, and could be useful in some way to make me some extra money  ...  I continued to use the service as intended for about three months, until I got  an email from transferwise saying they were shutting my account down      I asked them to refund me any and all transactions, but they quite openly and rudely refused  , leaving me with about $4,500 in fees...    I asked Chase to dispute and and revoke the transactions, but they were pretty much powerless, and or did not want to get involved    ...   and now Im stuck paying down $4500 in fees     ....   it would be nice if yall could force transferwise to return as much of my money as possible....  ThanksXXXX  PS  I would have submitted this earlier , but honestly was a little sceptical to submit this , until somebody mentioned to me , that in this Case I very much have grounds to submit this case
Product: Credit card

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am reaching out for assistance in regard to a troubling situation I am experiencing with Bank of America, a credit card company that has displayed unprofessional conduct during my recent dealings with them.

About two weeks ago, while I was visiting XXXX, I misplaced my purse, which contained my phone and several credit cards. Upon my return home, I got a replacement phone and began reviewing my credit card accounts. To my dismay, I discovered several unauthorized charges on my Bank of America card. 

I promptly contacted Bank of America and explained the situation to their representatives. They opened a claim for the unauthorized transactions related to my account ending in XXXX. The details of my claim are as follows : - **Claim Number** : XXXX - **Date of Charge** : XX/XX/year> - **Amount** : {$530.00} However, I was surprised to receive a notice from Bank of America on XX/XX/year> XXXX stating that my claim had been denied. The reasoning provided was that the charges were made using one of my verified devices, such as my cell phone or tablet. Given the circumstances, it is clear to me that this decision is not justified. Bank of America claims to have conducted a full investigation ; however, I believe they have not taken into consideration that my phoneand consequently my payment methodswere lost at the time of these transactions. 

I am kindly requesting that the Consumer Financial Protection Bureau step in to assist me with this matter. My experience with Bank of America has been frustrating and, frankly, unacceptable. This situation highlights a systemic issue with how the company handles claims of unauthorized transactions, particularly in cases of temporary loss of communication devices. 

For any further communication, I kindly request that Bank of America contact me via email only. I will be keeping a record of all communications to provide to the CFPB and my attorney for further review. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX