23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a balance of {$1400.00} on the XXXX/XXXX account. Contacting XXXX/XXXX  they state that the account was discharged in XX/XX/XXXX and the account should not appear on the credit report, and has also sent me the copies of this information including the cancellation of debt and a letter from the Vice President 's offices stating that the account was cancelled and no longer in collections.

XXXX  has not acknowledged these documents that I have sent since XX/XX/XXXX and has not updated the information on my credit report. The attachments clearly show that the XXXX/XXXX  should not be on my credit reports. XXXX/XXXX additionaly will not accept payment and tells us to contact the credit bureaus to have the items removed. We have done this but the account is still not removed.
Product: Credit card or prepaid card

I'm a regular user of the Amex Rewards program. I have approx XXXX points and had reserved flights with the XXXX XXXX XXXX XXXX for a family vacation. When I attempted to transfer XXXX of my points like I usually do, the action was blocked by Amex. They said that it appeared I was trying to sell my points in violation of the rewards program, despite the fact that I have NEVER transferred my points to anyone but in my name or my wife 's name ( co-account holder ). 

That happened on the XXXX. I have been calling 2x a day or more and finally, after a cumulative 5 hours on the phone ( today is the XXXX ) I was told my account is " under review '' and there is no further appeal nor any other action I can take to prove I wasn't selling my points. Additionally, there was no timeline given for how long this review would take but it was the agent 's guess that it would take 6 weeks!
Product: Credit card or prepaid card

When you log into your account there is a " virtual card '' feature to get a virtual card number to use in certain situations where you might not want to give your actual physical card number due to fraud concerns. The only way to access this virtual card is through a phone number which if Iam not home I cant get access to the virtual card. 

There use to be an option to have the security code e-mailed to you, I need that feature back or I am being discriminated against for not having a cell phone. I can not use this feature unless I am home. 

I opened a ticket XXXX but they never responded
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that the accounts listed below are reporting erroneously & are inaccurate.The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. Please provide me with all verifiable proof. 

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

The company is not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX XXXX and all 3 credit bureaus ( XXXX, EXPERIAN, XXXX ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this XXXX business card under a company I worked for called XXXX XXXX. But alas later at the mid-XXXX, the card started incurring fraud charges. The company business was to pay up the chase account in regards to the receipt I give them. The information of the account ins the following : XXXX XXXX ACC # XXXX******, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( XXXX  , EXPERIAN , XXXX  ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case XXXX XXXX and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that XXXX XXXX dont remove fradulent account from my reports.
Product: Debt collection

I called the company with intentions on paying the debt thats on my current credit report which was {$340.00} and the company and I came to an agreement I stated that the damage was done would I be able to get a pay to delete being that if the debt is paid it will still reflect on my credit negative and the lady on the phone stated And if you dont pay this debt right now were going to keep on reporting negative and destroy your credit I felt intimidated and as if I was forced to pay the debt so I instantly hung up because I felt as if that was not professional at all
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Under FCRA 605B15 U.S.C. 1681c-2 I am writing to formally dispute certain items on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B15 ( U.S.C. 1681c-2 ). I have reviewed my credit report and have identified several accounts, late payments, and inquiries that I believe to be inaccurate or unverifiable. 
**Accounts to be Removed : ** XXXX. XXXX XXXX- {$8700.00} XXXX. XXXX XXXX- {$2000.00} XXXX. XXXX XXXX- {$4500.00} XXXX. XXXX XXXX- {$5100.00} XXXX. XXXX XXXX- {$5200.00} XXXX. XXXX XXXX XXXX XXXX- {$11000.00} XXXX XXXX  - {$3700.00} XXXX XXXX XXXXXXXX XXXX- {$12000.00} **Late Payments to be Removed : ** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX **Inquiries to be Removed : ** XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX I request that you investigate these items and provide me with written confirmation of your findings. If these items can not be verified, I ask that they be removed from my credit report in accordance with the FCRA I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit card or prepaid card

My XXXX XXXX by XXXXi was closed on XX/XX/22 The card was dated to be good until XXXX A letter was sent to me that I never received but provided during this dispute to me that was dated XX/XX/22 stating I had until XX/XX/22 to use my card or it was going to be canceled. I tried to use the card in XXXX but the card had already been canceled. They refuse to either reopen the account or provide a new credit card account. 
I am not at fault here and their condition was impossible to meet. They are liars and need to be fined.
Product: Credit card or prepaid card

This is with regards to dispute no. XXXX. I purchased a product off of XXXX that turned out to be a scam. I made this purchase believing it was a domestic XXXX woman owned business that I was supporting but it turned out to be some unknown merchant out of XXXX, who had no connection at all with business I thought I was patronizing. It took months for the order to delivered, and when I asked them for a refund due to non-delivery the stated the item was in transit ; I made the order in XXXX and did not receive the items that where not even as described nor did they work until XXXX. 
As a customer of Wells Fargo using the Wells Fargo XXXX XXXX XXXX card, I turned to my financial institution with this matter and they stated that per XXXX XXXX terms and conditions there was nothing that could be done even though the product was nothing as described and did not work. I was told to either contact XXXX who I purchased through or deal with the merchant who you can't pin point who it was precisely. I contacted XXXX and they stated they would have refunded me the money per XXXX terms, but my financial institution was the final authority and they could not over turn it. This was annoying because why did Wells Fargo send me to them knowing this was the case. The merchant initially was willing to partially refund me what the market value of the item was, even though they charged me nearly seven times the price, but after Wells Fargo 's decision they would not even respond to me. The Wells Fargo representative I spoke with, said these were XXXX XXXX rules, so I contacted XXXX XXXX and they stated this was not the case, in situations such as these they would refund the money, but this card was Wells Fargo managed so they made this decision. I spent more money and shipped the product back to XXXX at the cheapest price possible, but because of Wells Fargo 's decision I can not get an answer from the merchant. 
I filed a complaint with XXXX  and Well Fargo again reiterated that " XXXX XXXX ' Customer Agreement and Disclosure Statement does not allow foreign transactions to be disputed as, 'Not as described '. We regret we are unable to assist you. If you wish to purse this matter, you will need to work directly with the merchant. '' I asked for a copy of the Customer Agreement and Disclosure Statement to which they are referencing but have yet to receive it till today. I googled and found a copy of it from CFPB ( see attachment ) and no where does it mention this. I XXXX whether this was an XXXX XXXX policy and found to the contrary ( see attachments ). 
It is beyond disappointing that the trust and expectations we put in financial institutions and their products to protect consumers in such matters is grossly misplaced, and they make decisions to your detriment and can not even substantiate them. I am supposed to now negotiate with a deceiving merchant whom I did not knowingly patronize, who is now unwilling to do anything as Wells Fargo has already made a decision in their favor.
Product: Credit card or prepaid card

XX/XX/XXXX - G M Card ( bought by Capital One in XXXX ) was declined. NO ONE called me as is usual when this happens. 
XX/XX/XXXX - I called Capital One - got 2 different versions of why it was restricted including " someone tried to access your credit '' and then " got a DEATH CERT on you - you're DEAD! '' After getting upset with the company the they became more 'we 're on your side ' etc - and sent me a link asking for 3 forms of I.D . including SS Card ; Driver 's license and a bill. In the process I was asked for my SS # at least 3 times in the call until I told them no more sharing of it without recourse as this seemed very odd by 'XXXX XXXX. 
XX/XX/XXXX - Called again - link never rec 'd - sent again and due to obtaining documents and being out of town I scanned my DL, SS card ( both sides ), Real Estate taxes paid XXXX and a utility bill. The message rec 'd indicated it was " received '' and the agent on XX/XX/XXXX informed me I would hear something in 7 - 10 days. 
As of XX/XX/XXXX no word. 
XX/XX/XXXX CALLED - told account was closed - 'Fraud Application. ' Questioned this as applied and approved for card in summer of XXXX - 24+ years ago. XXXX couldn't tell me if this had anything to do with their own data breaches this year - or why it was determined Fraud - SS # breach, or what? My father XXXX XXXX XXXX XXXX XXXX died in XXXX XXXX 4 years before I obtained this card ) and curious if it is related to this. WHY are banks allowed to not disclose issues affecting an individual 's credit, rating, etc? 
LAST : Why didn't I get a final bill, there was a balance due of {$1500.00} approximately due - will this be noted as delinquent against my credit rating? They also can't tell me why. 
XXXX XXXX XXXX XXXX XXXX XXXX cell phone number. Thanks for any help with this inept Capital One handling of some form of fraud with my card had since XXXX.
Product: Bank account or service

After my complaint to ConsumerAffairs on XX/XX/2009, I have filed my complaint to SEC on XX/XX/2009 to get their attention, because what Scottrade did might cause their customer loss like me. After Scottrade rejected my request for their response in writing ( They said that they only give me when SEC inquiry to them ), I faxed my written request to Scottrade branch and ask them to forward to their compliance department for writing their response. 

I have sold some of my stocks on XX/XX/2009 and sold all rest stock on XX/XX/2009. Those fund about {$3000.00} from sold stocks on XX/XX/2009 should be available in yesterday ( XX/XX/2009, XXXX ), but today ( XX/XX/2009 ) I have found that my fund is still not available to me due to Scottrade freezing those fund. I called Scottrade branch and they said that those fund should have available but then they changed to that my fund, including those sold on XX/XX/2009, will only available to me on XX/XX/2009 ( XXXX for my XXXX stocks selling ). 

Scottrade freezes all my fund without any legitimated reason. And I plan to pull all my fund out and to file a second complaint to SEC. I believe that this event should let all investors know, therefore, I file this complaint to ConsumerAffairs again.
Product: Checking or savings account

I informed USAA on over 4 occasions that my checking account # XXXX was a subject of fraudulent activity. On XXXX XX/XX/XXXX, a transfer of {$5000.00} dollars went into the account while simultaneously a transfer out of {$5000.00} went out to an account ending in XXXX. I did not make any of these transactions nor do I know what this account is ending in XXXX or who owns the account to where the {$5000.00} was transferred too. There was never {$5000.00} to transfer. 

I also had similar activity around XXXX XXXX in my saving account ending in XXXX with three different transactions of {$5000.00} each time to a total of {$15000.00}. I filed a fraudulent claim and USAA confirmed the fraud in that they mentioned someone had my wifes information and broke into the account. USAA brought the account to the original balance prior to the fraud, and I closed that account. 

I feel USAA is not even investigating this fraudulent transaction on my checking ending in XXXX nor looked at the notes from my closed account where the fraud investigator clearly found fraudulent activity. I have spoken to numerous USAA employees and have gotten nowhere. I asked for the information of this mystery account ending in XXXX and they will not provide it. 

I also question USAAs banking procedures where they accepted a {$5000.00} dollar deposit and issued a {$5000.00} withdrawal immediately on the same day without waiting for the funds to clear. 

I do not use this account very much and my last activity prior to the fraud was back in XX/XX/2022. 

Please help me in any way you can. USAA has gone downhill over the last 10 years. I have been a loyal customer for over 20 years and my loyalty is waning. There must be some banking procedures they violated by allowing transfers of {$5000.00} to occur simultaneously without a waiting period for the funds to clear. 

I did not make these two transactions and I know sit {$5000.00} in debt of which I did not commit. 

Thank you in advance, COL ( Ret ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Account number XXXX XXXXXXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have accessed my credit report without my request, consent, or permission. They also have no need to do so as I have never requested credit from them and do not have an account with them. I am a victim of cyber stalking and harassment and have restraining orders to prove it if you need them. I would like the following companies investigated and a written statement from them stating WHY they accessed my credit report, who requested it,  IP addresses if  it was done online, and any email, phone numbers used to do so.  <P/>    XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  , IN  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , SD  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   These companies were not contacted by my and did NOT have my permission or any reason to check my credit.
Product: Debt collection

I sent an extreme amount of letters and they refused to follow my consumer writes I have ask them over and over for them to follow law and stop obstructing my credit reports As to 15 usc 1681 B. These companies do not have permissible purpose of my consumer reports In accordance I never gave written instructions to them to violate my privacy at all Time XXXX  ask them for any information in writing and they laughed and said those laws are not real XXXX. 
Please help me have them remove these accounts 15 usc 1681 N I also invoiced them {$1000.00} per violation in which there are XXXX negative violations and also XXXX hard inquiries I gave no one permission to permit They have not removed nor paid as these laws states.
Product: Credit card or prepaid card

I transferred a balance from another institution to my  PNC  credit card. I understood the balance transfer fee disclosed of {$5.00} or 3 % of the amount. I have been making payments to the card on time and well over the minimum payment due. The only balance on this credit card was the transferred balance with no purchases. However on  X/XX/2017   , I made a purchase at  XXXX  's for {$4.00} since I could not find my debit card. I knew that I would just pay this purchase off on the next billing cycle. My statement ended  XXXX  and noticed that they charged {$1.00} for minimum interest charge. When I called  PNC to  dispute this charge, the representative impolitely informed me that when you have a balance transfer on the card you " lose the time '' of interest deferring on purchases made. The  PNC  representative said that his system would not refund the fee charged. Calculating the fee charge, that is 900 % charged on a {$4.00} purchase for 6 days. I have also review the disclosures and was not able to find caveat the rep was claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX Fed XXXX XXXX. XXXX ( XXXX Cir. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX