23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We purchased a vacation on our Chase Freedom credit card and a few months later my trip was cancelled because of the travel ban from coronavirus pandemic. We immediately tried to dispute this with Chase but they refuse to refund us our {$2300.00} back, even though services were not rendered by XXXX.XXXX. Below is a timeline of our booking with XXXX and correspondence with Chase about our dispute. 

On XX/XX/XXXX, the original purchase was made from XXXX in the amount of {$2300.00} for a trip to XXXX, XXXX that was going to take place XX/XX/XXXX through XX/XX/XXXX. 
On XX/XX/XXXX, XXXX emailed me saying that they have cancelled our upcoming international trip due to the Do Not Travel alert issued by the US State Department due to the Coronavirus threat. We immediately tried to contact XXXX through website and by phone, but they shut down their website with a cancellation notice and are not answering calls. We have had no contact with any actual representative from XXXX, because this company had completely shut down. 
On XX/XX/XXXX, we did an online dispute with Chase for this XXXX purchase. We first looked into XXXX XXXX and XXXX XXXX, and they both said with any cancellations through travel agencies, the credit would go back to that agency that was used. Because XXXX  was shut down, we filed a dispute with our Chase credit card, as instructed by the XXXX email. 
On XX/XX/XXXX, I inquired again in an online message about this dispute and if it is being handled. 
On XX/XX/XXXX, I called and talked with a dispute representative, and answered all questions that were sent out in a letter on XX/XX/XXXX. After taking down all of the information from the questions she asked, she told us that she would take that information and do research about the charge being disputed. She told us we would be receiving a letter informing us if the disputed charge was ruled valid or not. 
On XX/XX/XXXX, a letter was sent saying the disputed charge is a valid charge. 
On XX/XX/XXXX, I called the number provided by Chase ( XXXX ) on the dispute letter we had received asking about why this dispute was rejected. She told us she couldnt research the dispute because the claim had already been closed. She said the only thing we could do was write a letter and put any correspondence from XXXX with it. 
On XX/XX/XXXX, we mailed Chase a detailed letter with the timeline above asking for the dispute to be reopened and processed again, because we felt it was not handled properly. We have heard absolutely nothing from Chase yet as of today, XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX notified me by email at XXXX on XX/XX/2018 that my account with XXXX XXXX ( XXXX XXXX XXXX card ) had closed the day prior on XX/XX/2018 since the credit card program was discontinuing. XXXX  did not tell me I had an outstanding balance, nor did they make me aware that it was possible to have a balance on a closed account. Because XXXX had explicitly told me the account was closed, I stopped checking that account. 

When I realized I had a small outstanding balance that had been accruing interest and late fees, and harming my credit score, I immediately paid the balance and called XXXX  to rectify this issue. The woman I spoke to was helpful and suggested that XXXX would reverse the negative report. However, they did not do so when I sent them a letter requesting a reversal of that report. 

XXXX 's incredibly misleading communication ( that my account was closed ) led me to believe I had no balance, and it feels like XXXX intentionally misrepresented the situation customers through this communication to extract interest payments from them. 

Thank you for your help
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

The account was open XX/XX/XXXX the amount due is {$360.00}. Ive never purchased gas. Ive called in the past to dispute this account and nothing was done. I have Called again on XX/XX/XXXX to dispute again and nothing happen
Product: Debt collection

This alleged company has contacted day/evening. Never leaves a message nor identifies who they represent .never a name is rendered just the threat of action of filing papers against you immediately. 
I researched the many nos. that have come thru and established they are allegedly as follow : Patients Account Bureau XXXX XXXX XXXX XXXX, GA XXXX ... 
AKA XXXX XXXX I have attempted to ascertain why they would be calling/emailing me since there are no lingering medical bills in my life! 
A series of nos. have been used : XXXX XXXX XXXX XXXX I have been subjected to identity theft in the past and scams. But again, these calls and emails are malicious otherwise I would not be prompted to contact the FTC Thank you I look forward to your response.. 
Thank you
Product: Debt collection

amex needs to call XXXX  XXXX about the data breach 4social showed up so the bureaus removed the FTC violation
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were charged off in XXXX of 2021 in the amount of {$1700.00} and {$7200.00} XXXX credited my account as if I made a payment, which I never did after the account was closed. This led to the reopening the account and giving late payment as if the account is still active. I have two accounts with this XXXX, and this was done on both accounts. Every month I get alerts saying I missed a payment on a closed account. The following laws were violated ; 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 -- Disputed a Public Record item appearing within my credit file with Transunion as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the US Bankruptcy Court Middle District of Alabama XXXX The original furnisher ( s ), the US Bankruptcy Court Middle District of Alabama, do not report to any credit reporting agencies to include XXXX, XXXX, Transunion, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to Transunion stating the information being reported within my credit file with their company as verified and accurate is an error or a lie.

Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. **
Product: Debt collection

This is my second complaint filed against this company. After your initial complaint was responded to by them stating they would in compliance inform the CRA involved, ( XXXX, XXXX ) to delete this false entry, as of this date it still remains. You can review my previous complaint for info. Furthermore a dispute letter was sent to this company previously asking for proof of debt with my original contract, signature, and monthly balances claimed which they have never produced. Please assist me on taking further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explained to the creditor that the account was settled and paid and they sent me a little explaining they received it and the account is settled now they are lying saying they never received payment or agreement to pay to delete account on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still many inaccurately reported items. Have disputed this multiple times. The inaccurate information violates my rights under FCRA. Please see proof of most recent report and inaccurate items with red check, between XXXX  and Equifax. Delete immediately.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}.
Product: Debt collection

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$200.00}, {$59.00}, {$30.00}, {$480.00} and {$230.00} XXXX XXXX XXXX I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors. 


You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit collection services placed this account on my credit but this account was already paid off to the original creditor XXXX insurance. XXXX stated that this account would be removed and not to worry. Credit Collection services did not remove the acct but instead updated as paid although I never made a payment to them I paid the original creditor directly. I called XXXX today who stated it should have been removed. They did not have a collection department to transfer me to so I told them id call the collection agency. They were rude and said they dont do removals regardless. I ended the conversation with I will filed a CFPB complaint have a good day. I told them both its either I owed the collection agency or the original creditor. If the debt had been given to the collection agency XXXX should no longer been able to collect on it. Since I was able to pay directly to XXXX that in turn violates law where there is the same debt in two different places and violates my consumer rights. Collection agency needs to delete the account completely because the debt was still with the original creditor who took the monies owed from me the consumer directly in lieu of them stating it had to be paid to the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband of    18 years  and I have  XXXX  joint credit cards, among our own others. In my current credit report, I 've finally noticed that Experian is the only reporting agency that actually halves my " available credit '' for  XXXX  joint card, and completely omits the  XXXX  joint card and gives him full credit for that joint card towards a more favorable score. We have that card paid off every month and are carrying a balance on the  XXXX  Experian " lets " me count.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX their repeated and illegal actions concerning XXXX open collections accounts on my credit report, XXXX from XXXX and another from XXXX. Despite numerous attempts to resolve this issue, including providing an FTC identity theft report, these accounts remain in collections, and the company continues to report and update them incorrectly. 

Issues and Violations Misrepresentation and Deceptive Practices : XXXX XX/XX/XXXXt has frequently changed or updated the name associated with these accounts on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ), which prohibits furnishing information relating to a consumer if the furnisher knows or has reasonable cause to believe the information is inaccurate. 

Failure to Provide Verification and Rude Conduct : When contacting their customer service, including supervisors, I have faced rude, unprofessional behavior and blatant misrepresentation, including instances where employees have pretended to be supervisors. This violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt. 

Failure to Cease Reporting on Disputed Debt : Despite being notified of the dispute and the fraudulent nature of these accounts, XXXX XXXX has XXXX to cease collection activities and continues to report the debt, contravening the FCRA 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed information. 

Invasion of Privacy and Harassment : The company 's repeated requests for my personal information during calls, despite the known dispute and fraud status, have made me extremely uncomfortable. This could potentially violate FDCPA 15 U.S.C. 1692d, which prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the credit reporting act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 6048 A section 2 Consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer plan has late for any purpose
Product: Prepaid card

Received this card as a gift. The card has never worked for making purchases. I can not get support. From the website the contact us page doesn't load anything, and the phone number on the back of the card goes to a generic robot that only gives balance information. The card is ran by Blackhawk Network, when calling Blackhawk the support agent said to called a different number that supports this particular card. The phone number she gave me rings a few times and disconnects.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX account # XXXX thats reporting on my credit report has inaccuracies that makes this report invalid!!! in transunion date opened XXXX while in XXXX says XX/XX/2021 date last active all 3 bureau has three different dates!! PLEASE DELETE THIS INVALID DEROGATORY REPORT THAT'S HURTING MY CREDIT SCORE IMMEDIATELY!!
Product: Checking or savings account

A withdrawal of {$100000.00} was made from my Sofi Bank to my XXXX XXXX account around XX/XX/2023. XXXX XXXX  said I violated their terms and condition and thus my account is closed. The funds that was transferred from my Sofi Bank XXXX XXXXXXXX XXXX ) to my XXXX Bank needs to be recalled by Sofi Bank ( ( XXXXXXXX XXXX XXXX  This I all I need Sofi Bank to do. 
I am made to understand that my account with Sofi Bank will be closed too and I am not entitled to any remaining funds. But the {$100000.00} sent to XXXX XXXX  which they are asking Sofi Bank to recall was deposited through my XXXX. Please I need my money as this is my life savings saved in my XXXX  and was later withdrawn to my XXXX XXXX  that is closed the bank declined to issue a closeout check and asked that Sofi Bank recalls the money. 
I will attach my bank statement from XXXX XXXX  when the XXXX was made, the response I got from XXXX XXXX and the date the account was closed. Unfortunately I am unable to access my Sofi account to get the bank statement on when the funds where deposited and when the withdrawal to XXXX XXXX  was made. I hope I get a positive result this time and I hope I am well understood. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA regulations. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit card or prepaid card

I received a bill in the mail from a company called XXXX XXXX showing that I have a {$200.00} balance. I see that there was an inquiry with XXXX on XX/XX/XXXX. The statement refers to a purchase made on XX/XX/XXXX. 

I have no idea who this company, and most certainly did not open a line of credit or purchase anything from them. I do not see a line of credit that was opened, but I have this statement telling me that a payment is due no later than XX/XX/XXXX. 

I've put a freeze on my credit report with XXXX, XXXX, and XXXX, but worry that whatever was done here was already done.
Product: Prepaid card

XX/XX/year> - {$74.00} - {$64.00} - {$5.00} I immediately emailed the company & was told there was nothing the company could do about it nor reimburse my benefits even though my funds was stolen from their online website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services is showing an account ( XXXX**** ) with a last active date of ( incorrect - fraudulently ) XX/XX/XXXX. They aren't reporting any payment history, either, and have not responded to my many requests for verification of their invalid dates - given that I have shown them the last activity made was in XX/XX/XXXX with my canceled checks from their bank and their repossession documentation they sent, meaning the statute of limitations for both debt collection as well as credit reporting expired in XXXX, XXXX. I made many attempts to work with them after they sold the care for less than pennies on the dollar back in XXXX, and since, but they are an immovable object. Even now, when they are clearly in violation of the statute of limitations, they continue to act in their best interest, no matter the consequences to me and my family. I would appreciate if you could get this item removed from my three credit reports, as it should have been three months ago, and have WFDS cease and desist all collection activity on this account. Thank you.
Product: Money transfer, virtual currency, or money service

This is a follow up to complaint XXXX. Wells Fargo refuses to answer me in writing and keeps trying to pawn off my complaint to XXXX XXXX XXXX, the administer of the claim. I have talked to them and they do not provide an answer and will not send me any response in writing. It is Wells Fargo that hired them as an agent and must take responsibility for their mishandling on the complaint. Wells Fargos reputation for mismanagement, fraud and scandal is well known and I want an answer from them.
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. XXXX and TransUnion 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 XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX XXXX XXXX : {$4800.00}