23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 Money in the amount of {$330.00} was sent from my chase bank to a person I do not know using XXXX. I immediately contact chase bank and within XXXX minute i spoke to a banking associate and informed them that fraud has been committed since this individual accepted funds be it by error or criminal act from my account with out my my knowledge or authorization after a series 's of questions i contact the number associated with the XXXX  tranfer. The individual denied knowing me denied the tranfer and denied having a XXXX  acount. i provided chase with text messages conversation and phone bill receipt with date and time. Chase Investigated and denied my claim they said I authorized payment from bank XXXX account. chase Investigation Is nothing but a way to protect their bottom line they made no effort in contacting the individual or report it to authority.
Product: Credit card or prepaid card

During the pandemic, I was receiving unemployment benefits on a Bank of America prepaid debit card. My wallet was stolen, along with my EDD prepaid debit card. Fraudulent charges were made. A report was filed. I continued certifying for benefits. 
Only recently have I been able to reestablish my identity and verify. In the meantime I filed an appeal, which I won! All the disqualified weeks I had certified for were finally approved and monies deposited to Bank of America prepaid card services. I was unaware of all this until four days ago or so. 
I noticed an email in my inbox from BofA prepaid services. It had been there a month. The email simply stated there were changes being made, and that I needed to service my account. I called the number provided. I spoke with several representatives who confirmed my identity over the phone. I was instructed to go to my local BofA and once again prove my identity in order to regain access to my funds. I did. 
However, after all these years without benefits, and all this identity verification? BofA says my account has been closed, and they can not issue me a new card! They say this is because my EDD claim is no longer active. My account has been closed. They refuse to release my money to me. They said it depends on EDD? 
How can this be? Regardless of my unemployment claim status, my pending weeks of certification were approved. Funds were deposited into an account bearing my name. Why am I still not allowed access to my monies? 
Please help me understand how any of that is legal? Please help me understand what needs to be done in order for me to receive my funds? Your help is much appreciated. 

Thank You, XXXX.
Product: Prepaid card

Our children bought my husband and me a {$350.00} gift card to XXXX XXXX XXXX and XXXX in XXXX  as a XXXX gift XXXX. We tucked the card in a safe place for a time when we could enjoy an overnight stay at the nearby hotel and casino. We recently called to book our hotel stay ( I know, it took us a while to find the time! ) and we were told that the balance of our card was {$0.00}. I called Transcard ( XXXX ) to tell them there must be some mistake, but they checked and said the card did in fact have a zero balance. When I asked how this could be, I was told that the card was used to pay for a room in the XXXX XXXX XXXX XXXX for {$300.00}, and another charge was made at the front desk for {$17.00}. We have never been to XXXX XXXX, and the card has been in our possession the entire time, so I thought this would easily be cleared up. 

I filed a fraud complaint with Transcard, and received notification on XX/XX/XXXX as follows : Based on our investigation, we did not find that an error had occurred due to the following reasons : Based on the information available to us, we are not able to rule in the XXXX favor. 

I asked Transcard to please escalate this matter, because I was not satisfied with that answer. They did, and I received notification on XX/XX/XXXX as follows : Based on our investigation, we did not find that an error had occurred due to the following reasons : The card is ineligible for liability protection prior to the time it was registered. 

Neither explanation is acceptable to us, so I would like you to look into this matter for us. I have never had to register a gift card, and did not receive any instructions to do so. Clearly the account number was compromised, and someone was able to use it without our permission, knowledge or consent ( without having possession of the physical card ). 

I called XXXX XXXX in XXXX  ( where the card was purchased ) and they told me that I needed to contact the hotel in XXXX XXXX where the card was used. I called the XXXX XXXX XXXX, and they said that Transcard was a third-party company that the used to use, but no longer do business with. They said they have no way of seeing the card history, balance or transactions. They sent me back to Transcard, who continues to give me the run-around. I am hoping you can help me with this complaint. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Federal Trade Commission, I am writing to formally report a serious violation of my privacy and financial security due to the unauthorized access of my student loan records by DOGE ( Department of Governmental Education ). It has come to my attention that DOGE has gained access to sensitive Department of Education data, which includes my personal and financial information. This access has led to the exploitation of my student loan records, and I am deeply concerned about the legal and ethical ramifications of this breach. 

This unauthorized access has resulted in the following violations : Privacy Invasion : DOGE has accessed my personal financial records without my consent. 

Potential Fraudulent Activity : My student loan status and repayment details have been manipulated or misused without my authorization. 

Data Mismanagement : The Department of Education 's security measures have failed to prevent an unauthorized entity from obtaining my sensitive data.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$12000.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00}
Product: Credit card or prepaid card

I have several store cards through Comenity. For close to a month I have been unable to access my account or make payments. I have called to pay through the phone, but I am also unable to make payments there. They say the call center is closed and/or is unable to access our accounts. 

They had a banner on their site that they will only be suspending late fees for people trying to pay through XX/XX/XXXX. They also direct to pay via an easy payment option that is also not working. 

I have no way to pay my cards and I'm worried I will accrue late fees and will get reported to the credit bureaus.
Product: Debt collection

In reviewing my credit report I noticed the following debts placed with Collections Professionals in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I immediately sent a certified letter requesting validation of the debts, to which Collection Professionals responded that they did not have enough information from me. I copied my credit report information and re-sent them another letter via fax on XX/XX/22 to which I received another response stating they did not have enough information to reply. 

I have attached some documentation to prove that I have sent information to them requesting validation of the debts. 

I need these debts validated as I have no information on them and they are severely effecting my credit score and would like to hold this company accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Need to file a complaint on Experian I have asked them about 7 time to investigate accounts for me in which they failed to do I have account on my credit report that do not belong to me also i have sent in documents to them and they failure to delete these items! 
XXXX XXXX not my account Number please delete this negative info and send me a method of Physcial documents as to how this account was verified in your last invesigation! 

XXXX XXXX XXXX not my account number please delete this negative info and send me method of Physical documents as to how this account was verified I HAVE ENCLOSED PHYSICAL AND I DEMAND YOU TO DO THE SAME! 

delete ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2020, Professional Recovery Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and claim that it is mine. According to the FCRA, Professional Recovery Inc. has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of fraudulent activities and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. I'm submitting this complaint to follow up on my previous complaint and demanding that the Credit Reporting Agencies remove the disputed items immediately before I'm forced to take legal action. Remove the following items completely from my Credit File. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Please assist me remove the items which are fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dispute of Inaccurate Charge-Off Information on XXXX XXXX XXXXXXXX XXXX Account Dear Dispute Department XXXX I am writing to formally dispute inaccurate information appearing on my credit report regarding my XXXX XXXX XXXXXXXX XXXX account XXXX The report incorrectly shows this account as a charge-off, but the listed charge-off amount is {$0.00}. Moreover, it reflects a date closed in XX/XX/2021, yet also indicates the charge-off occurred in XX/XX/2021. These inconsistencies can not both be accurate and suggest a reporting error. 

Reason for Dispute & Supporting Details Contradictory Dates : The account is reported as closed in XX/XX/2021 but simultaneously listed as charged off in XX/XX/2021. If the account was truly closed in XX/XX/2021, it would be impossible for it to be newly charged off in XX/XX/2021. 

Inaccurate XXXX XXXX : The account shows a charge-off amount of {$0.00}, which contradicts the notion of a charged-off balance. This discrepancy raises serious doubts about the validity and accuracy of the reported charge-off. 

These conflicting details misrepresent my credit history and harm my creditworthiness. 

Legal Basis for Removal or Correction I dispute this information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which affords me the right to dispute inaccurate or incomplete information in my credit file. Under 15 U.S.C. 1681i, you, as a consumer reporting agency, are required to : Conduct a Reasonable Reinvestigation : Verify the accuracy of the disputed information with XXXX XXXX XXXXXXXX XXXX 
Delete or Correct Inaccurate or Unverifiable Information : Pursuant to 15 U.S.C. 1681s-2 ( b ), the furnisher of the information ( XXXX ) must investigate and rectify any errors or remove the misinformation from my credit file if they can not verify its accuracy. 
Requested Action Reinvestigate the Account Details : Please contact XXXX XXXX XXXXXXXX XXXX to verify the correct date the account was closed, whether a valid charge-off actually occurred, and what the correct balance/charge-off amount ( if any ) should be. 

Delete or Correct the Inaccurate Data : If XXXX can not substantiate this charge-off in line with the FCRAs requirements, the charge-off notation and any incorrect dates should be removed or corrected immediately. 

Provide Updated Report : Please send me an updated copy of my credit report once you have completed your reinvestigation and made any necessary corrections. 

Should you fail to adequately address this matter, I am prepared to explore any other remedies available to me under federal law. 

I appreciate your prompt attention to this issue.
Product: Checking or savings account

My wife made an online purchase from a company in XXXX XXXX using her debit card. The product arrived with no issues but within days of making the purchase her card was being used in XXXX XXXX and online to make attempted purchases. There were purchases for XXXX, XXXX, XXXX XXXX food delivery, local stores and more. It amounted to over {$3000.00}. Most of them were rejected and about {$2000.00} was returned to our account automatically. I called the bank the day they were made and were still pending and filed a fraud claim. They rejected the claim stating that since the CVV was used they can't return the money. We asked that they escalate the dispute and they again denied it for the CVV. Talking to the customer service agent he admitted that CVV information can be compromised. Both my wife and I work in banking and have extensive experience with fraud cases. We know that CVVs can be compromised and we have not been in XXXX for years, I haven't been to XXXX in over 20 and my wife hasn't been in just as many if not more. 

Their refusal to investigate more than the CVV and refusal to refund is goes against our protections and liability for fraud. They won't refund our money, I will also be filing a complaint with the state Attorney General. Please help to resolve this. The bank is XXXX XXXX, they are now owned by Lending Club
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm copying this from another internet as it accurately captures my complaint. Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting, credit repair services, 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 1692 Account name : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

Also your company only has a license to collect debt in XXXX states. Those states are : Connecticut, Idaho, XXXX, Maryland, Massachusetts, XXXX, New Mexico, North Dakota XXXX Oregon XXXX Rhode Island XXXX Wyoming XXXX Which is verified on https : XXXX. 

Remove this account immediately!! 

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

I am writing in response to the verified no-change letter I received regarding late accounts on my credit report. In accordance with your recommendation, I contacted the creditor requesting proof of the reported late payments. However, despite my efforts, the creditor failed to provide any valid documentation confirming that I was indeed late on those months. A copy of my letter to the creditor is attached for your reference. 

Given the absence of any evidence substantiating the late payments, it is clear that these entries are inaccurate and should not be included on my credit report. As per the Fair Credit Reporting Act ( FCRA ), if the creditor can not provide proof of the late accounts, they are not permitted to report them to the credit bureaus account XXXX XXXX XXXX XXXX Account # XXXX. Also XXXX is reporting this account closed and Equifax says account opened, payment status with XXXX says 90 days late and Equifax says 60 days late. 

Therefore, I request that you promptly remove these inaccurate late listings from my credit report or mark paid as agreed never late..Failure to do so would constitute a violation of the FCRA. 

Thank you for your attention to this matter. 

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

I, THE CONSUMER AND NATURAL PERSON DO HEREBY SEND YOU THIS NOTICE TO INFORM YOU OF ENTRIES APPEARING ON MY CONSUMER REPORT THAT SHOULD NOT BE THERE. I DID NOT GIVE ANYONE WRITTEN OR VERBAL CONSENT FOR THE IDENTIFIED TRANSACTION TO BE REPORTED ON MY CONSUMER REPORT. I'M REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR, NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT BY ME RELEVANT TO REQUEST TO BLOCK THE IDENTIFIED TRANSACTION. THE IDENTIFIED TRANSACTION ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS A CONSUMER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX