23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Barclaycard XXXX XXXX XXXX XXXX XXXX online ( a United States credit card ). The next day I got a voicemail from Barclaycard security asking me to call back to verify details about my application, but they left a different callback number. I searched for that number online and found nothing associating it with Barclays. This lead me to be concerned that I had had personal information stolen. 
Because this was n't clear to me from the phone call, I called Barclays main customer service number to attempt to verify that the number they had me call back to was the appropriate main number. My only objective in asking for them to verify this information was to determine if the call I got was legitimate so I could call back. Instead, I was asked a series of personally identifying questions, and then told my card had been rejected. This was not my desired outcome, but it is not my primary concern ( although they did say that they were rejecting my application because I did n't sound like a man, which is concerning ). 
Here 's my problem XXXX bear with me, this gets a little tricky to describe ) : During this phone call, I was asked to provide " other phone numbers associated with my credit bureau statement. '' I provided XXXX numbers. XXXX number was my parent 's number, the other was an alternate number XXXX XXXX XXXX XXXX that rings through to my phone. I was thereafter placed on hold. Immediately after being placed on hold, my XXXX XXXX number rang with the phone number XXXX XXXX XXXX XXXX. XXXX The person on the other side of the line identified themselves as calling from XXXX XXXX, and asked to speak to my mother ( by name ). 
This was such a bizarre occurrence, I started to question whether or not this was a legitimate credit card operation or whether I had been scammed, and whether my identityhas been compromised. 
And I never did get the basic thing I was calling for ; verification that the original phone call I got was from a legit number. 
Any help in developing an understanding of whether or not my identity has been compromised would be appreciated. 

Original page was at XXXX*An online search associates this number with Barclays in Delaware, only in XXXX and on no official webpage.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I am writing to express my extreme frustration and concern regarding the continued presence of fraudulent items on my credit report, which are needed them to removed. These fraudulent items are causing significant harm to my creditworthiness and financial well-being, and it is imperative that they be rectified as a matter of urgency. 

I have previously submitted multiple dispute letters to your bureau regarding these fraudulent items, with no resolution to date. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough investigation into these fraudulent items and take immediate action to correct my credit report by removing them. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and free from fraudulent information, and the continued presence of these items is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the fraudulent nature of these items, such as police reports, affidavits of identity theft, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the fraudulent items, and a revised copy of my credit report that reflects these necessary corrections. 

Furthermore, please ensure that you notify the creditors or entities associated with these fraudulent items about the dispute and provide them with the requisite documentation, as required by federal law. 

The continued presence of these fraudulent items on my credit report poses a severe threat to my financial stability and creditworthiness. I implore you to prioritize this matter and work diligently to resolve it promptly to restore the accuracy and integrity of my credit history. I am asking for your assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$7300.00} XXXX  XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report that I would like removed and according to the FCRA these unverified and unauthorized items must be removed. 

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

Under the Fair Credit Reporting Act ( FCRA ), potential violations that may arise from the details in this report include : 1. Accuracy of Information ( Section 623 ) : The balance is listed as updated on XX/XX/year>, a date that is in the future. This indicates the report contains potentially inaccurate or unverifiable information, which violates the requirement for accuracy.

2. Disputed Information ( Section 611 ) : The comments state : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). However, if the information continues to be inaccurate or unverifiable, the consumer reporting agency and creditor must investigate and correct or delete the information within 30 days. If no proper investigation occurred, this could violate the FCRA.

3. Charge-Off Reporting and Balance : The account is marked as charged off and closed with a balance of {$1000.00}. Under FCRA guidelines, when a creditor charges off a debt, it typically should not still accrue interest or fees unless explicitly allowed. Reporting an inflated balance after a charge-off may misrepresent the debt.

4. Outdated Information ( Section 605 ) : Charged-off accounts must not remain on a credit report for more than 7 years from the first delinquency date. While this report does not show the first delinquency date, ensuring compliance with this timeline is critical.
Product: Debt collection

XX/XX/XXXX, hired XXXX XXXX XXXX XXXX XXXX XXXX, to dispute inaccurate and or fraudulent accounts on all credit reporting bureaus. As of XX/XX/XXXX, I pulled a credit report to show progress XXXX XXXX XXXX attempted. Accounts in question had not been removed only closed, no account accuracy, contracts, account transactions received, from third party debt collect XXXX XXXX, XXXX. Account was sold XX/XX/XXXX from XXXX Bank, formerly kmow as XXXX XXXX XXXX Bank. Currently, XXXX XXXX XXXX, sent a 'Alias Summons requesting demand of XXXX. 

On at least 4 attempts, credit bureaus, XXXX Bank ( change of name in XX/XX/XXXX ) and XXXX XXXX XXXX, were contacted to valid account accuracy due to severe identity theft, XXXX XXXX XXXX, has violated the Fair Debit Collection Protections Act ( FDCPA ) that prohibits debt collectors from from using unfair, deceptive, and or abusive when collecting comsumer debts.
Product: Credit reporting or other personal consumer reports

i sent all 3 CRA 's demand letters requesting the inaccurate and incomplete items be deleted from my credit report.15 usc 1681eb states that all information has to be 100 % accurate and complete before posting. 
I am requesting the following accounts be deleted from my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score decreased by XXXX points for a debt thats not mine on XX/XX/2022 then later that day it decreased another XXXX points for no reason at all by Experian
Product: Credit reporting or other personal consumer reports

These bureaus has over 50 hard inquiries to my consumer credit report. These inquires are not tied to any open accounts that I have and I do not recollect any of them. XXXX will not remove any of the inquiries and they are causing me hardship and severe damage to my personal and business life. My home life is grossly effected and causing a great deal of harm to me and my family. This is identity theft and per 15 U.S. Code 1681c-2 they have to be removed. Pursuant to 15 U.S. Code 1681b this is not a permissible
Product: Credit reporting 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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against Venmo for Failure to Refund Unauthorized Transaction Dear Sir/Madam, I am writing to file a formal complaint against Venmo for their refusal to refund an unauthorized transaction, in violation of consumer protection regulations. I believe I have been a victim of a scam, and Venmo 's response to this incident has been grossly inadequate. 

**Transaction Details : ** - Transaction ID : XXXX - Amount : {$600.00} - Date and Time of Transaction : XX/XX/year>, at XXXX XXXX - Recipient : XXXX XXXX XXXX XXXX XXXX ) **Incident Description : ** On the aforementioned date, I completed a transaction using Venmo to pay for products advertised by the seller, XXXX XXXX XXXX However, immediately after transferring the funds, I realized that the offer was fraudulent. The seller blocked all forms of communication with me, making it impossible to resolve the issue directly. 

Within an hour of realizing the scam, I contacted Venmo to request a refund, explaining the fraudulent nature of the transaction. Despite my immediate action and clear evidence of a scam, Venmo has refused to refund the amount, stating that the transaction was final. 

**Argument for Refund : ** 1. **Definition of Scam and Unauthorized Transaction : ** A scam occurs when funds are obtained through deceptive practices. In this case, I was misled into sending money for non-existent products. Therefore, the transaction was unauthorized, as it was based on false pretenses. 

2. **Consumer Protection Rights : ** Under banking regulations and consumer protection laws, consumers are entitled to protection against unauthorized transactions and fraudulent activities.

3. **Failure of Service Provider 's Duty : ** Venmo, as a financial service provider, has a responsibility to protect its users from fraud and to assist in the recovery of funds in cases of clear deception and scam.

**Requested Action : ** I urge the CFPB to investigate this matter and require Venmo to : 1. Refund the full amount of {$600.00} to my account.

2. Review and improve their policies and procedures for handling scam-related disputes to better protect consumers.

I have attached relevant documentation and correspondence related to this incident. I appreciate your attention to this matter and look forward to a resolution that upholds consumer rights and justice.

Sincerely,
Product: Credit card

company violated consumer protection laws Unfair and Deceptive Trade Practices, Truth in Lending violation. i have a CapitalOne VentureXXXX card. an offer appearing to be an upgrade was solicited to me through my account making it appear that, by accepting the offer, that my account would be upgraded to a different product. the offer is actually a deceptive scheme to trick me into downgrading my account from VentureXXXX to lower quality product. 

FALSE ADVERTISING - CapOne prequalifies people for brand cards like XXXX, XXXX which offer different products all named the samer, but does not comply with Truth in Lending and does not disclose the which card of that name a customer is accepting and other necessary facts required for a customer to make an informed decision and know exactly what credit terms customer is applying for. Cap One is soliciting multiple products of the same name, while concealing the fact they have different terms, and they are an entirely different product than the customer thinks they are getting. One may be a XXXX with XXXX guts ( the good one ). The other looks like a XXXX, but has lower quality and less components ( the one they send the customer ). 

i also do not believe CapOne complies with the Equal Credit Opportunity Act and does not treat customers in the same situation equally. CapOne treats some customers badly and other customers fairly, thereby discriminating against certain classes of customers. 

the company also retaliates against customers who complain by giving them worse treatment and never giving these customers anything they ask for, like an evil step-mom that only feeds half of her kids. Venture to XXXX or XXXX is a downgrade in product, not an upgrade.
Product: Checking or savings account

Remote account Barclays opened late XXXX. Wire to wire deposit XX/XX/XXXX of {$42000.00} from a transmitting bank. Several hours later account was locked out. No further transactions occurred. We receive the Barclay bank statements, interest, and pay the relevant taxes to IRS. There is no access to the account. Originally it was thought that there was a failed hack, resulting from weak internet security ; the lockout was logical. Roughly a year latter XX/XX/XXXX, a bank representative disclosed that the lock out occurred, when linkage to a second bank for further transfer had failed. Without the account lockou, this was not pursued. Unfortunately interacting with Barclays was been rather difficult, with readjusted stipulations or requirements to unlock the scount. They have requested statements from our other two banks in conjunction with other stuff ( driver license, .. ) to unlock the account. Those other two banks have warned us not to comply. Barclays unfortunately works through telephone representatives and uses readjusted stipulations with each contact ; nothing written. We remain at an impasse with regard to recovering our funds and due interest. There was a complaint filed with State of Delaware, though response from that ia way overdue ( 75+days, rather than indicated 30 or 45 )
Product: Credit card or prepaid card

I received a letter from Synchrony Bank dated XX/XX/2020 that explained that a credit card through PayPal was denied. The application was attempted on XX/XX/2020. 
I did not apply for a credit card from PayPal. 
I called Synchrony Bank, PayPal division. I was told that since the credit card was denied there was nothing for them to do. 
I have 2 department store cards that are also through Synchrony Bank. I explained that I wanted it investigated that my information was leaked from those cards. I was told that even though all 3 were backed by Synchrony Bank there was no way that my information was leaked. They refused to do anything else.
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's been more than 60 days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately ACCOUNTS : XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2019
Product: Checking or savings account

There is an account in my name open at XXXX XXXX Bank which is the result of identity theft. I first received notification of this account on XX/XX/20, called the bank that evening and spoke with someone named XXXX who said she would make the account balance {$0.00} and forward the case ( Case ID XXXX ) to the identity theft department. XXXX verified that the thief opened my account online using my name, DOB, address, and SSN, but had used a false driver 's license number/expiration, false phone number, and used a first name instead of mother 's maiden name. I never received a call from XXXX XXXX Bank XXXX XXXX department. On XX/XX/20 I created an FTC identify theft report on XXXX XXXX XXXX # XXXX ) and sent a letter from that site to XXXX XXXX Bank requesting that they close the account and notify any reporting agencies that this account was due to identity theft. On XX/XX/20 I received a voicemail from someone identifying herself as XXXX XXXX from the office of the chairman at XXXX XXXX Bank XXXX, and called her back leaving a voicemail. I have not heard from her again. I received another checking account statement on XX/XX/20 and called XXXX XXXX again and left a voicemail asking to close this fraudulent account, send me written verification, and notify reporting bureaus. Today I received a report from XXXX stating that in regard to this account, " The source has verified the information to be accurate and complete. As a result, it will remain on file at XXXX. '' I have attempted 4 times to close this account and clear my name on consumer reports by both phone and written requests. Please help me.
Product: Credit card or prepaid card

I had a personal CC through MBNA since XXXX of XXXX that eventually became part of Bank of America. Although I rarely used it, it was something I had for so many years that I paid {$1.00} each month just to keep some activity going on the card. After becoming debt free, I did n't need to use a card but it was nice to have in case of emergency. 

Around XXXX XXXX, I realized that my {$1.00} overpayments were adding up and decided to charge less than the total credit on the account for overpayment of around {$50.00} in order to use it up. 

Until that point, BOA happily posted my {$1.00} credit to my account each month. 

Once I made charges totaling {$42.00}, they did not use the available credit on the account to pay it off and when I called them, the agent/representative said that they had recently sent a check for the overpayment to me, and because of that the payment would need to come from elsewhere. 

I 've never cashed or deposited a check from BOA for the overpayment ( an easy thing to check with their accounting department ). 

I called them back to challenge being sent a check and that the balance on the account ( which was in good standing ) of around {$50.00} was greater than the amount owed of {$42.00}. 

Two things are interesting to me.

1. As long as I was paying {$1.00} per month they were happy to take the payment and allow it to grow to approximately {$50.00}. 

2. As soon as I charged {$42.00} to use up that credit suddenly there is a " recently sent '' check for the overpayment credit and that the balance on the account could not be use to pay-off the charges. 

BOA closed the account in XXXX of XXXX and charged off the {$42.00}. 

I 'm out of the money that was in the account as an overpayment and also negatively impacted by BOA closing the account.
Product: Credit card or prepaid card

I booked a vacation to XXXX on different travel platforms in XXXX On XX/XX/XXXX I had XXXX XXXX XXXX XXXX XXXX and tried to cancel my trip. 
All inbound flights was given vouchers but outbound trip bought on XXXX said they would return {$13.00} out of {$150.00} and company policy does not accept illness excuses (! ) I have all documentation from doctors, hospital and XXXX XXXX to prove that my trip cancellation was medical and not a whim