23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, at approximately XXXXXXXX XXXX XXXX, I attempted to purchase a flight ticket on Oojo.com using my Bank of America ( BOA ) credit card. During the checkout process, the website unexpectedly prompted me to enter a verification code. Concerned that the website might be compromised or experiencing technical issues, I did not enter the code and did not proceed with the transaction. 

Despite not completing the authentication step, XXXX still charged my BOA credit card for {$610.00}, and a ticket was issued without my authorization. This should be considered an unauthorized transaction under the Fair Credit Billing Act ( FCBA ) and Electronic Fund Transfer Act ( EFTA ). 

Steps I took : Immediately ( at XXXX AM, XX/XX/XXXX ), I called BOA customer service to dispute the charge. The representative acknowledged my concern and assured me that the dispute would be processed. 
On XX/XX/XXXX, I called BOA again to follow up. The representative reviewed my account and confirmed that their system also showed that I had not entered the verification code. The representative even stated, This is ridiculous, implying that BOA also found the charge questionable. 

BOAs Dispute Process : BOA initially credited my account while they investigated the dispute. 
However, later BOA unexpectedly reversed its decision, stating that the merchant ( Oojo.com ) provided information supporting the charge. 
The BOA email cited that the service was not canceled, returned, or eligible for a refund according to the merchants policy. However, my claim was never about a refundit was about an unauthorized transaction. 
BOA did not provide me with any clear explanation regarding how this charge was authorized despite their own system showing that no verification code was entered. 
BOA did not offer any appeals process, leaving me without any way to contest this unfair ruling. 

Why this is an unauthorized transaction : I did not enter the verification code, meaning I did not complete the transaction authorization. 
BOA 's own system confirms that no verification code was entered, as acknowledged by their representative on XX/XX/XXXX. 
BOA should have access to the recorded call from XX/XX/XXXX, where their representative confirmed this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : remove all inquiries from my credit report 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. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX. Please block and remove this information from my credit report, according 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 requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and 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

I was a XXXX XXXX customer for approximately ten years. Around XX/XX/XXXX, after moving from XXXX  XXXX, TX to XXXX, TX, I decided to purchase a XXXX tablet for my grandson, who was only XXXX years old at the time. I purchased the tablet from a XXXX XXXX located in XXXX XXXX XXXX  at XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, because, as we passed the XXXX, my grandson saw the tablet and asked for it. The young salesman helped me purchase the XXXX  and set it up. At the time, I paid around {$250.00} for the tablet. 

In XX/XX/XXXX, I received a bill from XXXX that included a $ XXXX charge for setting up and activating a cell phone number I did not recognize. After speaking with XXXX customer service, I was told the charge was for the cell number assigned to the tablet. I told them it was not my intent to purchase a second cell number for a XXXXyear-old. The representative told me to go back to the XXXX  and tell them to correct the mistake, which I did. When the salesman 's manager called XXXX on my behalf in my presence, the XXXX representative, he talked to told him they would cancel the cell number assigned to the table and correct my billing. 

XXXX XXXX repeatedly refused to correct the tablet cell number 's activation charges over the next two months, which had never been used since I did not know it existed. Finally, since my 2-year agreement with XXXX XXXX expired in XX/XX/XXXX, I changed my wireless carrier to XXXX XXXX in XX/XX/XXXX while still disputing the new cell number 's activation charges XXXX XXXX. XXXX was unable to resolve the matter with XXXX to take advantage of a {$250.00} XXXX account transfer credit. 

I discovered in XXXX that not only had XXXX XXXX reported a collection account with the three major credit bureaus, but the company also reported that they charged an unpaid bill for {$650.00}. I contacted the credit bureaus and disputed the reporting. I was told an investigation would be initiated, but the derogatory item is still on my credit reports. I hired a credit repair service to help me fight the matter in XXXX and XXXX refused to correct the erroneous credit reporting despite repeated demands for proof of debt. 

To this date, this matter remains unresolved. The matter had not been resolved to this date. The credit bureaus are not reporting this as a disputed account. I was repeatedly referred back to XXXX XXXX regarding the matter since they were reporting the charge off as valid and correct. 

I reviewed my XXXX XXXX XXXX report on XX/XX/XXXX, XXXX. I discovered that XXXX XXXX assigned my account to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, MN, XXXX, who began reporting the disputed unverified and contested debt as a new charge-off on XX/XX/XXXX. I also learned my credit score had declined by over 40 points that day. 

I consider this a violation of the Fair Credit Reporting Act. I feel no choice but to request a formal inquiry into XXXX XXXX 's violations of this consumer protection law.
Product: Debt collection

I am unfortunately behind on a creditor bill due to being out of work on exteneed medical leave. I have contacted the creditor a couple of times previously to explain my situation. I do not have a source of income at this time. The creditor has been calling my husband 's mobile phone aND today i have been informed they have called my mother 's work multiple times today. How they received my husband 's cell phone or my mother 's work number is beyond me. And they have no business harassing these XXXX individuals, especially at places of employment
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS NATIONWD REC Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I, the consumer and natural person, was denied credit by Spot Loans whence I applied for an personal Loan. 
Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Spot loans Services due to the responses I received.

Spot loans is in violation of 15 USC 1642, USC 1681m, and 12 CFR 1002 because I, the consumer, put in applications in good faith, but credit was not issued to me. 
Furthermore, because my social security number [ credit card ] was used numerous times, and I received NO BENEFITS. This is proof of fraudulent activity ( Unauthorized use of a credit card ) on behalf of Spot loans. 
If Spot loans fails to make any reasonable procedures to resolve this matter, and compensate me for the use of my credit card, I will indeed make Spot loans criminally and civilly liable for all actual damages pursuant to 15 USC 1682n and 15 USC 1681o.

I will also follow up with an invoice for said violations ( {$10000.00} per violation. )
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. | 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO - PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

They called my wife telling her they were from an investigation unit and they were heading to my house. After her telling them I was not home they threatened to come to my job. They left my wife a message very rudely stating they need to deliver to me in person a summons at home AND MY JOB. They nonstopped called her. After contacting them they were trying to force me to give my bank account information. They have called my cousin and uncles harrassing them with multiple calls looking for me, even after I called them. All contact needs to be through mail. They need to stop contacting my family.
Product: Credit reporting or other personal consumer reports

inaccurate reporting to consumer report and violation of privacy. 
I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXXXXXX  PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an small mortgage on my vacation home with a company by the name of XXXX XXXX. 
XXXX XXXX sold my mortgage to Flagstar bank on XX/XX/23. I had a notification in my email from XXXX XXXX, so I called them and aske since my mortgage payments are automatically withdrown from my checking account do I need to do anything and I was told " NO '' all information has been copied over to Flagstar bank, and I was advised as procaution check my bank account for the next month and if flagstar bank has withdrown the payment " I AM GOOD TO GO '' there is nothing else to be done. 
On XX/XX/23 I received an email from my credit protection that Flagstar bank has reported me as deliquent over 30 days, I called Flagstar bank and I was told that they only withdraw paymnet for 60 days and I ma responsible to call and setup myself as a new customer and give them my bank information and such, I asked them why didn't they contact me and according to the, they had, even though when I asked they did not have my new address neither did they have any record of them trying to contact me, and I was told that they do not use email in the mortgage dept. I corrected my payment and the proceeded to payoff my mortgage too. I filed a grivence with the bank and I was just notified that they will not withdrow the reporting to credit agencies, My credit score was XXXX, and has nver been less than XXXX, but now it is XXXX. I have worked so hard to keep up my credit but now I have to wait 5 years to remove this blemish from my record. I need help to force Flagstar to remove this reporting from the credit reporting agencies. 
Thank you
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a home. My debt to income ratio is significantly high because of these student loan accounts. I reached out to EDFINANCIAL SERVICES L for them to verify the information and nothing has been done and i need to close on my home within 10 days. Please help to have them remove ALL STUDENT LOAN ACCOUNTS as this is false & inaccurate information that should not be reporting according to the FRCA.
Product: Credit reporting or other personal consumer reports

I monitor my credit very closely and suddenly there was a XXXX drop in my score from XX/XX/XXXX to XX/XX/XXXX, though there was not a single change in my credit factors. 

XXXX XXXX concurred that there were no changes in my balance history, utilization rate, payment history or age of credit, but stated that because the change happened in XXXX, they could not look into it. XXXX XXXX, the XXXX for XXXX XXXX, insisted that there are confidential credit factors that determine my score and they are not privy to those factors. I repeatedly asked for an investigation and was told I could only have an investigation if something was inaccurate on my report. I have reviewed my credit report ( from all agencies ) and nothing changed except the reported score. It went from XXXX in XXXX to XXXX in XXXX. Again, I maintain a XXXX balance on all credit cards, my on-time payment history is 100 % and my age of first credit is XXXX. 

This is negatively affecting me, and I want my score restored!! XXXX should not be allowed to report scores if they are unable to justify the calculation and factors that enter into the score determination. 

Further, XXXX XXXX should NOT be a supervisor if he is unable to speak to an escalation with any level of intelligence or authority.
Product: Credit card or prepaid card

During the month of XX/XX/XXXX I was reviewing my credit report and noticed that XXXX XXXX was reporting a 60 days late payment. I called them and they said that it was for a {$2.00} fee administrative fee that I never knew about. I was never told or explained that this was going show up on my personal credit report. I sent them a letter and they replied that they were reporting accurately. I have repeatedly called and to no avail. No one can explain the {$2.00} charge accurately or why I was n't informed. This has resulted in me being denied a home loan because of the way its being reported ( 60 days late ). I have lost over 35 pts on my credit report for something that I had no fault. I have been a client of XXXX 's since XX/XX/XXXX and I have never been late, as a matter of a fact I barely use this card. I have attached my credit report in order to demonstrate that I do not pay my bills late, that I am very responsible with my payments, My credit report will speak for itself.
Product: Credit card

Company misused dozens of lenders information from XXXX Company did not provide PayPal credit card with tradeline
Product: Credit reporting or other personal consumer reports

I have asked CFPB to investigateTRANSUNION for their negligence. This company has repeatedly reporting negative accounts to my credit report. They have lied like they have verified that's a lie. I haven't til this day received any supporting documents bearing my signature. Only a letter saying this debt is not XXXX XXXX its with a debt collector. Even if that's possible how is XXXX XXXX reporting and Transunion verifying inaccurate information. This has caused me to be denied due to inaccurate information because Transunion refuses to do their job. Transunion have validated my rights on several grounds because they have lied as if they verified a account and they didn't and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. ACCORDING TO LETTER. THAT MEAN THIS DEBT WAS SOLD AND I NEVER RECEIVED A 1009-C FROM A COMPANY. 
Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number.
Product: Debt collection

Target is reporting a charged off card on my reports that I have disputed directly with them. I sent them a letter requesting validation and all documents concerning this debt. I have yet to receive anything from them in response and I sent this letter on XX/XX/2022. 
The credit bureaus are verifying inconsistent information regarding this account with the credit bureaus. There are different account numbers, last payment dates, last active dates and open dates. This account is also reporting paid and current with one bureau and charged off and derogatory with the other bureaus. There are also comments stating that this account was closed due to activity with two bureaus and charged off with another. How are they able to do this? 

Per the FCRA that protects my rights as a consumer, I have the right to dispute any and all inaccurate information from my reports and it is their job to acknowledge and respond to my concerns. They are in clear violation of the law to report accurate information and my right as a consumer to have accurate and valid accounts on my reports and the right to dispute. I am demanding that this account is deleted from my reports immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke to XXXX XXXX  and they informed me of information being reported by XXXX AND EQUIFAX that there was another social security number reporting from them. Ive been involved in identity theft for a while and XXXX and EQUIFAX have both reported other social security numbers as well as addresses that were inaccurate.

There are two accounts that were requested to be removed due to the nature of identity fraud and consumer rights violations in collections concerning the accounts. These two accounts have been reporting negative for over 3 years and XXXX failed to produce paperwork regarding the return agreement for the furniture. 

XXXX XXXX XXXX XXXX : account number XXXX The merchant is involved in police report sent to XXXX on XX/XX/XXXX that an employee stole the merchandise for own benefit and it was never returned. It was considered fraudulent. XXXX has removed from credit report. 

XXXX XXXX : ACCOUNT XXXX was removed from credit reports and agencies after finding Credit central violated FCRA laws and guidelines and attempted to collect debt violently. ONLY ACCOUNT NUMBER BEGINNING IN XXXX IS TO BE DELETED
Product: Student loan

On XX/XX/2018, a charge of {$330.00} was drafted from my account from the XXXX XXXX XXXX XXXX for a student loan. 

I contacted my student loan servicer, Nelnet, and they stated that as of XX/XX/2018, all of my student loans on record are in deferment due to my in-school status. They stated that they show no record of any payment being taken from my account on their end. They said they would keep an eye out for the transaction to appear on their records. 

I contacted my bank and disputed the charge.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> TransUnion
Product: Payday loan, title loan, personal loan, or advance loan

I took out an installment loan. It was paid off on XX/XX/XXXX. There were some overpayments. I tried to get the overpayment refunded to me after all adjustments were made. I called the toll free number and was told that I was owed no money. That call is recorded. I clearly overpaid and should receive a refund.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, has violated my rights. 
XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

Long story short the debt was discharged with a Notice of Presentment signed by me the Creditor. with all of the proper endorsements. XXXX XXXX keep on billing us and 9 months later they sold the alleged debt to MCCALLA RAYMER LEIBERT & PIERCE THEY ATTEMPT WITH THE JUDGE TO MAKE IT STICK BUT We did a Forensic Analyst On the Summons. No one respond it was done Register-Mail. I demand that 3 rd party debt collectors produce sign contract. There is a list of violations commented by the agent of McCalla Raymer Leibert and Pierce XXXX XXXX XXXX.
Product: Student loan

On XX/XX/XXXX, I paid XXXX to Ed Financial. This is XXXX over what is owed. I called the following week for a refund request and was given a timeline of up to 3 months. I see that my account says refund request on XX/XX/XXXX. I call Ed Financial again and was told that my refund was missing. I waited another week and was told that my previous conversation was wrong and that it would take 35 business days ( by XX/XX/XXXX ) to receive my refund. This call was made XX/XX/XXXX, and the customer service employee said she could not give me an actual time that I would receive the refund.
Product: Debt collection

Account Name : JPMCB XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Reason : Identity theft Please remove it from my credit report. 
Account Name : JPMCB XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Reason : Identity theft Please remove it from my credit report