23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is regarding Claim # XXXX, a dispute I filed with Capital One on XX/XX/XXXX, due to my debit card being used for fraudulent and unauthorized transactions. 

For the amounts of : {$320.00}, {$300.00}, and {$30.00} from the merchant called " XXXX XXXX '' And the amount of {$1100.00} from a merchant called " XXXX. '' All of these charges took place on XX/XX/XXXX, and XXXX in XXXX On XX/XX/XXXX I noticed our Capital One checking account was in the negative so I immediately investigated the transactions. I found the XXXX unfamiliar amounts and immediately called Capital One to dispute the charges made using my debit card number. Capital One immediately closed my card and issued a new one. 

I recently received an email stating my dispute with Capital One was DENIED. And they put the charges back on my account. This is UNACCEPTABLE as I have nothing to do with those merchants and their charges. I have XXXX transactions or evidence that I have anything to do with them. My identity was stolen as there have been a few companies ( XXXX ) that have had data breaches, and we received notice. 

My information and AI was used to make purchases from the vendors and then transferred those purchases to a foreign account that is not mine. I have had to secure a new driver 's license and file with identity protection. 

It is WRONG and UNACCEPTABLE of Capital One to take sides with merchants who aid and allow hackers and scammers with stealing a customer 's identity and debit card information to make foreign transactions. They should always be aware of scammers using AI and other methods to impersonate and make fake accounts in people 's names to complete fraudulent transactions. 

Capital One is in breach of their Cardholder Protection Clause involving a cardholder 's card being used for fraud and unauthorized purchases. 

I DISAGREE with the denied dispute claim and want to escalate it further as I have nothing to do with the merchants listed above and the products they offer.
Product: Credit reporting or other personal consumer reports

My identity was stolen and used to create student loans. I have contacted the school and loan company and Ive been fighting this for over a year now. I just submitted a new report with XXXX but my first report for the fraud was deemed as accurate. The loan companies, FAFSA and MOHELA approved these loans without proper verification of identity and sent the money to an address that does not belong to me and accepted false information to approve these loans. The credit bureaus have not helped me dispute these loans.
Product: Credit card or prepaid card

Dear CFPB : On XX/XX/XXXX, I clicked through the promotion link inside the advertising email from American Express . I upgraded my XXXX XXXX everyday card into XXXX XXXX XXXX card. Inside this offer, it clearly states that I can earn a {$250.00} statement credit after spending {$2000.00} in purchases on my new card within three months. 

From XX/XX/XXXX to XX/XX/XXXX, the amount of my total purchases is {$2700.00}, which has met the expense requirement. The prorated charge of the upgraded card annual fee was {$15.00} and my membership fee ( {$95.00} ) was renewed on XX/XX/XXXX. 

After I had waited for a while, I still didn't receive the {$250.00} credit. I reached out to the customer service over online chat. I was told that I didn't meet the expense requirement from XX/XX/XXXX to XX/XX/XXXX, therefore I am not qualified for promotion bonus. 

Either 1. the information provided by this customer representative or American Express system is wrong by mistake, or 2. American express intentionally provides the wrong date to avoid issuing promotion bonus. 

No matter either 1 or 2, without a shadow of a doubt, this error is made by American Express. Two reasons are listed below : 1. I have double checked and confirmed with the customer representative that my upgraded membership prorated charge covers from start day of the upgrade to the annual renewal date. I have also confirmed with the customer representative that my renewal date is XX/XX/XXXX and the prorates was calculated as per month- in my case : two months. Known the fact, American Express is in no position to neglect the fact that my upgrade date is XX/XX/XXXX. 

Online chat records are pasted below : " Now the {$95.00} fee is charged fromXX/XX/XXXXtoXX/XX/XXXX. '' XXXX- XX/XX/XXXX XXXX XXXX " So the next fee will going to charge onXX/XX/XXXX. '' XXXX- XX/XX/XXXX XXXX XXXX  " yes, We calculate the prorated fee as per month. So you were charged of {$15.00} for 2 months. '' XXXX- XX/XX/XXXX XXXX XXXX 2. The customer representative claimed that I called on day XX/XX/XXXX to upgrade the card, which is a complete lie. I asked for a copy of a chat or call script record or signature or verbal consent on upgrading my card on that date, the customer representative immediately took back his false claim and provided a simple apology for his untrustworthy and irresponsible behaviors : " My sincere apology for the fact that I mentioned the conversion done the phone, I overlooked the notes. Sorry for that. '' - XX/XX/XXXX XXXX XXXX I would appreciate CFPB to weigh in to enforce the correction of this error made by American Express. Because the customer representative refused to correct this error.
Product: Credit reporting or other personal consumer reports

I have placed a dispute into Equifax on 4 different occasion for incorrect reporting on my credit report. I have two ( 2 ) accounts reporting on my credit that are to old to be reporting as both accounts are over XXXX XXXX XXXX. Both accounts are from XXXX XXXX XXXX XXXX XXXX. One account was a credit card ( account ending in XXXX ) and the other was an auto loan ( account ending in XXXX ). I submited a dispute for the first time in XXXX of XXXX  and they reported back that the information on the account was accurate. I resubmitted an dispute in XXXX about the information not being correct/incorrect reporting and got another letter stating it was correct. On XX/XX/XXXX, I called Equifax and spoke with a gentleman there that even stated that the account was to old to be reporting on my credit, apologized, and offered to start another dispute, once this dispute was completed I was never sent a resolution letter and the accounts are still reporting on my credit report. These two accounts have been removed off both my experian and my transunion but they won't remove it off my Equifax. Below are the 4 despute numbers and dates that I have submitted to get these two accounts removed off my credit. They are also showing only 10 months old and 2 months old on Equifax website when they are clearly over XXXX XXXX XXXX. 

XX/XX/year> - XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX ( active dispute ) Thank you for any assistance on getting this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two companies that are still showing open on my credit report. The accounts have been closed and the companies are no longer active. This is showing derogatory and needs to be removed. 

XXXX XXXX XXXX XXXX XXXX this was taken care of already with insurance and was settled closed. 

XXXX XXXX XXXX XXXX XXXX I have called the company and settled the debt already. And it was considered paid off and was suppose to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS FRAUD. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.
Product: Bank account or service

I have had my bank account since I was in high school. At the time of opening the account with Bank of America there was no need to order checks as there was a limited amount of transaction being conducted. 
I now found myself in need of checks as I was asked to pay my rent and deposit using that form of payment. I went into the Bank of America branch in XXXX, Ca and asked to order checks and to get a couple temporary checks so I could pay my new landlord. I was told by the teller that new checks are only issued for new accounts and they would be happy to sell me a cashiers check for {$10.00}. I was told that no exception would be made even though I have never had checks before. I feel that this practice is unfair. The bank clearly has the ability to issue a temp. check they just refused to do so in order to charge me XXXX for a cashiers check. Bank of America is holding my money hostage unless I was willing to pay a fee.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute of Unauthorized Reporting Under 15 USC 1681 Dear Transunion, I am writing to formally dispute the reporting of the following accounts on my credit report, as I did not provide written consent authorizing these entities to furnish my information or obtain my consumer report. According to 15 USC 1681b, a consumer reporting agency may only furnish a consumer report under certain circumstances and with the explicit written consent of the consumer.

The accounts in question are as follows : All accounts with adverse action and all review inquiries I have reviewed my records and determined that I never granted written authorization to the above creditors or collection agencies to access or report my information. This lack of authorization makes their furnishing of information a direct violation of the Fair Credit Reporting Act.

To resolve this matter, I request the following : An immediate investigation of the listed accounts.

Removal of these accounts from my credit report if written consent can not be provided by the furnishing party.

Notification of the results of your investigation, including the specific steps taken and any evidence obtained.

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. Please also ensure that any party that has accessed my report within the last 12 months is notified of corrections to my credit file, as required under 15 USC 1681i ( d ).

Enclosed are copies of my identification and a recent utility bill to verify my identity. Please confirm receipt of this dispute and the initiation of your investigation.

Thank you for your prompt attention to this matter. If you require additional information, please contact me at XXXX or XXXX. 
Sincerely, [ Your Full Name ]
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method o
f verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In 2019-2020, I failed to pay a credit card balance and the account closed. I never received anything from a debt collector, or Barclays either in mail or email, or a phone call. Time went on and I admittedly forgot about it. 
In 2022 I attempted to apply for a mortgage and was notified of the negative account. I wasnt able to locate the debt as it was sold. 
XX/XX/XXXX I was able to locate it after repeatedly calling Barclays. The collection was given to XXXX XXXX ( XXXX ) at XXXX. 
I tried to settle for a lesser amount, and was told that wasnt an option. 
XX/XX/XXXX the debt was transferred back to Barclays. Again, no communication of any form. 
I called between XX/XX/XXXX and XX/XX/XXXX and every time was told it has to be submitted to higher ups and call back in XXXX business days for options to settle I was never given any information. Never received an email, letter or a phone call either. 
I admit I gave up and thought I would wait for it to fall off my credit after so many years. 
I was denied a loan to get our septic system repaired, and this debt is holding it up. 
Once again, called Barclays XX/XX/XXXX and again had to wait for email to be sent to higher ups and was told to call back in XXXX business days, and that they would not contact me. 
I called XX/XX/XXXX and spoke with an agent who told me they would settle my account for {$930.00} and within XXXX business days of receipt my account and credit would be updated as settled and paid. 
I called today, XX/XX/XXXX to see if the cashiers check was received and was transferred twice to be told they told me the incorrect amount and the amount is actually {$1900.00}. I had no communication from them, they claim they called me twice and no option for voice mail. They have my address, email address and phone number all up to date on file but failed to communicate anything with me. Their resolution is to pay the extra XXXX dollars as they were wrong in their first offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX ( Bank ) XX/XX/202, XXXX XXXX ( Bank ) XX/XX/2021, XXXX  ( Bank ) XX/XX/2021, XXXX ( Bank ) XX/XX/2021 XXXXXXXX XXXX ( Auto ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/20XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 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, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update.
Product: Credit reporting or other personal consumer reports

Several account that are closed still show open or delinquent on credit report.
Product: Checking or savings account

Wednesday XX/XX/XXXX I received a email from Chime stating they were closing my account stating I am not in compliance with their internal policies. This is what the email stated : After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : XXXX. To potentially access any remaining funds provide context and docs proving authorization of the following transaction ( s ) : XXXX XXXX XXXX {$650.00} XX/XX/2021 Kind Regards, XXXX | Chime Support I went back and forth through automated emails and finally got someone to tell me what I need to provide. So I provided a picture of my original unemployment letter, picture of my photo ID and photo of a bill with my address. Unemployment payment have been being deposited to this same account since XXXX without any issues. I can not contact anyone by phone. I did call XXXX unemployment and they have no idea why my bank is asking for additional information and will not return my funds. A deposit for my XXXX  child tax credit is what they now have holding. I can not access the exact amount of what was in the account but it was about {$450.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is taking advantage of military families, by not allowing me to do an online credit freeze. They have instead insisted on a complex mail it in process, that does n't really spell anything out or provide any forms or assistance. I 'm XXXX, this is horrible customer service. I just want a credit freeze, and they are making it impossible for me. This should be banned, as a predatory practice and should be unlawful. I do n't want them monitoring me to begin with. Now when i try and take some form of control and protect myself, I ca n't.
Product: Credit card or prepaid card

I disputed a Gold necklace Chain I ordered from Macy 's fine jewelry in XX/XX/2021. Months of outgoing investigation unsure if package been located. I called XXXX and USPS as directed by Macy 's credit card team representative. I also inquire USPS carrier who informed packages of that price range are to be picked up at local office. Visited local office no package with my name in facility. Macy's/ XXXX XXXX continue to hold me responsible for something that I never received.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX ( FTC ) I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.
Product: Debt collection

I have written several letters to this company in regard to a medical collection that was paid in full to the original creditor before it became a collection. I have not received anything back from the collection company. I have even asked if the collection company was legal to serve as a collection agency in my state. I have not received validation as of yet. I called and spoke to a agent at XXXX, asking how they were able to verify the debt with the collection agency and i was told that they do not require any WRITTEN verification from the collection agency, ONLY a response of Yes or NO. If the credit bureau is not practicing the laws then how are we as consumers supposed to get fair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my Experian credit report ( XXXX XXXX ) and request the immediate removal of unauthorized hard inquiries and incorrectly reported account entries. Firstly, I contest the validity of XXXX separate hard inquiries by XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as these were not authorized by me. Additionally, unauthorized inquiries by XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, should be removed as they are inaccuracies that unfairly impact my credit score. Regarding the account entries for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX, the reported details are incorrect. These accounts are inaccurately reporting negative statuses despite my full compliance with all credit terms prior to account closure. These inaccuracies fail to reflect the actual standing of these accounts, including incorrect reporting of dates and potentially duplicated entries. The persistence of these incorrect entries misrepresents my creditworthiness and could be seen as failing to adhere to fair credit reporting standards. I request a thorough investigation into these entries and their prompt correction or removal to accurately represent my financial history and restore my credit integrity.