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

A fraudulent charge on my credit card in the amount of {$5200.00} that occurred back on XX/XX/2023. 

The credit card is a JetBlue Plus World Elite Mastercard and the Bank is Barclays Bank. 

I have had nine ( 9 ) different communications with Barclays since filing an initial complaint back in XXXX. 

Their initial position was that the charge wasn't fraud, it was a dispute. The fraudulent company represented themselves as " XXXX XXXX XXXX '' and the credit card showed a phone # of XXXX XXXX XXXX. If Barclays Bank merely called the phone # on their statement, they would have confirmed that the charge was from a travel agent in Texas. XXXX XXXX has confirmed to us that the charge wasn't XXXX and the charge was fraud. 

Despite our efforts to resolve this matter, Barclays has advised in writing and phone conversations on seven different occasions between XXXX that the claim was still under investigation. 

The Barclays Fraud case # is XXXX XXXX and XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, {$8700.00} was withdrawn fraudulently from my account by someone in Texas. I live on the XXXX XXXX. On XX/XX/2021, {$8000.00} was withdrawn fraudulently from my account. On XX/XX/2021, {$5000.00} was withdrawn fraudulently from my account. 2 of the transactions occurred at the same branch and then another branch. The bank did not catch this. I alerted the bank on XX/XX/2021, of the fraudulent transactions. I have spoken to the bank in person and on the phone multiple times since then and spent countless hours trying to rectify this. The bank has given me multiple answers as to how this happened and when it will be resolved. As of now, my {$21000.00} is still frozen and I dont have an idea of when this will be resolved. The bank would also not tell me how this could have happened, they always say it is being investigated. I have had to place freezes on my credit reports to ensure no further fraudulent activity occurs. I feel like I being taken advantage of due to elderly age and lack of familiarity with fraud processes.
Product: Bank account or service

An Account Representative Helping Me open a checking and savings Account, disclosed and abused My Private Personal information, and that of my Child, as well as contacted Social security My behalf without my consent, and given access to My Account information. 

However, I 'm a victim Of identity theft, My SSI XXXX monthly income affected, stopped a abruptly, I 'm XXXX sick, Over this, I have had a XXXX. I have XXXX, this affected me greatly.
Product: Prepaid card

My husband gave me a {$100.00} gift card as a XXXX gift ( Amex ), and I was never able to use, tried different stores online and NONE of them worked. And yes, I already unlocked it to work online. And everytime I try they remove XXXX cents of the card. They literally stole our money.
Product: Debt collection

XXXX I have requested the deletion of the account listed as XXXX collection via 3rd party debt collector credit collection company. 

XXXX The said collection company has not responded to the validation of the debt regarding the account registered to my credit report. Fair Debt Collection Practices USC 1692g investigation in the FCRA section 623.
Product: Credit card

I recently moved to the XXXX on an XXXX XXXX  and have been working for a leading global technology company. Since I am new to the XXXX, I have been diligent in responsibly managing my credit history. 

I initially obtained a Capital One basic credit card ( {$300.00} limit ) and always paid my balances on time. Due to my responsible usage, Capital One proactively invited me to apply for a XXXX XXXX  with a {$10000.00} limit, which was approved and issued. 

However, when I attempted to activate my new XXXX card, I found that my Capital One app was inaccessible. I called customer support and was informed that my account was restricted due to verification requirements. I submitted all requested documents twice, including : Drivers license ( front and back ) Three months of bank statements Utility bill with my matching name and address Despite following Capital Ones instructions and submitting all required documents, both my existing credit card and the newly issued Silver card were permanently closed without explanation.

This unjustified closure has caused significant inconvenience, as this was my only XXXXXXXX XXXX XXXX impacting my ability to make essential payments. Additionally, this could negatively affect my credit history, which is crucial as a recent XXXX XXXX. 

I request that Capital One reinstate my accounts or provide a clear, valid explanation for their decision. If they fail to do so, I urge CFPB to investigate whether this closure violates fair lending and consumer protection regulations.
Product: Credit reporting or other personal consumer reports

Hello. 
I have sent numerous disputes to XXXX, XXXX and Equifax in reference to several of my accounts not being reported correct. 
XXXX XXXX  : is a closed account. However, it's still showing a balance. The last activity dates are different, remarks and times late are different on each of the 3 credit reports, months reviewed are different, high balance is only displayed on XXXX, payment history is different on each report. It's also reporting I'm using 165 % of my accounts limit on all three reports. It should be reporting XXXX. 
XXXX XXXX : is closed. However, it's still showing a balance. The last activity dates are reporting on each report, Term source type is different, Status is also reporting different, rating differ on each report, comments and history is different on each report. 
Resurge receivable is closed. However, it's showing a balance. The last activity dates are different on each report. The rating and status categories are different. Last. The account details are displayed different from each of the bureaus. 
XXXX XXXX is reporting different last activity dates varying in years on XXXX and Equifax, status is showing open when the account is closed, credit ratings are different on XXXX and Equifax. 
XXXX : Last activity dates are different on each report, remarks and times reported late are different, months reviewed, and high balances are different, payment history is showing different information on each report. 
XXXX XXXX : This account is only showing on Equifax it's reporting incorrect information, it's closed and showing I'm using 275 % of the account limit. It shows last activity was XXXX of XXXX. This card has been closed over a year. They refuse to properly investigate and remove this incorrect information. Please help me.
Product: Debt collection

A collection debt from an agency called CREDENCE RM appears on my credit record in the XXXX agency. 
This is the second time that a debt to XXXX XXXX XXXX appears in my record for the amount of {$2500.00}. 
I have never had debts with XXXX XXXX XXXX and this has appeared and affected my credit for the second time.
Product: Money transfer, virtual currency, or money service

Writing to understand & express my concerns regarding Zelles handling of disputes, especially in the light of the recent CFPB lawsuit highlighting significant issues with the platform! Despite using Zelle numerous times & reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately. They informed me covering my lost funds was impossible & that tracking these transactions was unfeasible! CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted all three credit bureaus, Trans Union, XXXX and XXXX to add fraud, alert to my accounts and provided police report documentation along with documentation to identify myself. On all three credit reports, there are names associated with two fraudulent accounts that were reported to the credit bureaus, my accounts still display names that do not associate with me I have requested verbally over the phone on XX/XX/XXXX to all three credit bureaus that my information reflect as follows Only one name report to all accounts, which XXXX XXXX Only one address report to all three accounts, which is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX I have requested the following information be removed from all three credit bureaus as they were related to fraudulent accounts 1 ) XXXX : - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, FL - Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Fraudulent accounts : XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX ) XXXX  - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX - Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX - Name XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX - Name : XXXX, XXXX XXXX XXXX Fraudulent account : XXXX XXXX financial account number XXXX I have submitted all proper documentation relating to death and burglary from the XXXX XXXX police department I have received correspondence from both XXXX and XXXX stating they have updated the accounts properly and will not remove fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I appreciate your service to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the issues I have identified : 1. Inconsistent Reporting Across Bureaus : The Date Opened differs : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX This discrepancy violates the FCRAs requirement for accuracy and consistency in reporting.

2. Disputed Account Status : XXXX : Account information disputed by consumer, meets FCRA requirements. 
Experian : Customer disputed account - reported by subscriber. 
These comments are inconsistent and may mislead creditors about the resolution status of the dispute.

3. Outdated or Improper Reporting : The Date Last Active for Experian is listed as XX/XX/XXXX, but the Last Reported date is XX/XX/XXXX. If no activity occurred since XXXX, the account may no longer be eligible for reporting under FCRA guidelines, as negative information ( e.g., collections ) must be removed after seven years from the date of first delinquency.

4. No Payment History Provided : There is no clear payment history or supporting data to indicate when the account became delinquent or how it reached Collection/Chargeoff status.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in the Date Opened and inconsistent dispute comments violate this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative information such as collections must not be reported after seven years from the date of first delinquency. If the accounts delinquency began in XXXX, it may be close to or past the allowable reporting period.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If the dispute was filed but the status remains inconsistent or inaccurate, this indicates a failure to properly investigate the dispute.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX XXXX may be providing outdated or misleading information to the credit bureaus, especially regarding the accounts disputed and derogatory status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I printed a letter to Experian, XXXX  & XXXX, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that responded were Experian. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from XXXX  and XXXX. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from Experian and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, Experian states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for XXXX, XXXX XXXX & XXXX  its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is prohibiting me from accessing my credit report to submit a dispute. These accounts were removed and have been re-inserted on my credit report illegally : XXXX XXXX -- - # XXXX XXXX XXXX XXXX -- - # XXXX XXXX XXXX  -- - # XXXX XXXX/XXXX XXXX -- - # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple CFPB complaints over the past few years to have the fraud protection removed from my credit reports at XXXX, Equifax, and XXXX. Creditors are still having problems gaining my credit information at my request because these credit bureaus will not remove the fraud protection at my repeated requests and CFPB complaints. These credit bureaus are holding my credit hostage with their non-compliance.
Product: Debt collection

When applying for a mortgage I discovered a debt listed on my credit report that I do not believe I owe. 

The account was for {$110.00} from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was dated as being opened in XXXX. 

I sent a letter to XXXX XXXX asking that they provide me with the amount I owed, the name of the creditor to whom the debt is owed, verification of the debt, and proof they were licensed to collect the debt. They failed to respond to my letter and I filed a dispute with all three credit bureaus which resolved in my favor and the invalid debt was removed from my credit report in XXXX of XXXX. 

Recently I received an alert from my credit monitoring agency and they informed me that this debt has reappeared on my credit report under a different company. 

Enhanced Recovery CO of XXXX XXXX XXXX, XXXX, FL XXXX is reporting that I owe them {$110.00} and they set the date of the collection as of XXXX/XXXX/XXXX instead of the previous XXXX date in attempt to prolong the duration this invalid debt would stay on my credit report which I believe is a misrepresentation of the debt and a violation of the Federal Fair Debt Collection Practices Act. Enhanced Recovery CO has also failed to send me an initial communication as required by the Colorado Fair Debt Collections Practices Act.
Product: Debt collection

Diversified consultants Inc, placed a collections account on my credit from XXXX michigan when i live in XXXX   NC. The origional creditor is XXXX The date of the account is XX/XX/XXXX. The amount is {$350.00}. I informed diversified consultants that i do not live in michigan i live in NC. The name on the account is mispelled. I requested original contract with a signature so that it can easily verified as fraudulent. I have sent them a copy of my ss card as well as ID with my signatures on it to compare. They still allow this fraudulent account on my credit report knowingly attempting to collect an account that is not mine. They have yet to produce any documentation af5er receiving 3 debt validation letters from me. First letter sent certified maiXX/XX/XXXXXX/XX/XXXX Second letter sent XX/XX/XXXX Third letter sent XX/XX/XXXX. This is a fraudulent account damaging my credit!
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, In accordance with the Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, subsection XXXX Please provide the names and business addresses of each individual with who you verified the above follow up. Please send me an updated copy of my credit report after you reinvestigation.
Product: Credit reporting

XXXX home service was to install service in my apartment at that time, they installed service in the downstairs apartment, which was not mine and charged me for installation and fist months service fee 's and charges.
Product: Credit card

I received correspondence via postal vial to my physical address from Capital One credit card services stating I was approved for a credit card. From here, I filled out the application through capital one 's website and was instantly approved for a credit card with a {$1000.00} limit. The capital one credit card arrived within XXXX business days to my physical address. I activated the credit card and used it to by fuel on my way to dinner, the card worked, at dinner I attempted to pay with the capital one credit card and it came back declined. I called the number on the back of the card and was told by capital one the card was suspended due to suspected fraud, after they asked me a few personal and sensitive questions about my past, information only I would know, I answered all the questions correctly and capital one released the suspension on my account. The credit card worked so I was able to pay for dinner. The next day I was at the grocery store and attempted to use the credit card, it came back declined, again I called the number on the back of the card, answered sensitive questions only I would know and the suspension on my account was once again instantly lifted. A few days later the credit card was again suspended, so I called the number on the back of the card and was told I needed to visit my bank in order to confirm my identity. I went to my bank, XXXX XXXX XXXX, and was told the bank did not offer such a service and after speaking to a branch manager was told this sounded fishy. I contacted capital one and told them my bank did n't provide such a service, capital one requested I visit a XXXX XXXX XXXX branch to confirm my identity. XXXX XXXX XXXX told me the same thing my bank told me, they do not provide such services to confirm ones identity to capital one. Again I called the number on the back of the credit card and was told to visit another banking institution. I declined to continue searching for a bank and was told to fax capital one my birth certificate, social security card and a copy of my utility bills, I decline, feeling uncomfortable to send sensitive information to capital one and also to continue doing business with capital one. I asked capital one if I paid off the credit card balance today if I could cancel the card and they declined saying in order to cancel the credit card I would have to fax capital one a copy of my birth certificate, social security card and utility bills with my current address on them. I continue to make payments on time and have my banking information linked to the capital one website, the payments I make are much higher than the minimum payments and are deducted directly from my checking account. To date, I receive a letter from capital one once a week via us postal mail saying they suspect my account of fraud and have called many times and requested they discontinue sending such correspondence to my physical address. All I wish to do is to pay off the remaining balance and cancel the account, to date, capital one declines my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX - ACCT XXXX XXXX Account name : XXXX & XXXX XXXX ACCT XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX  - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ACCT XXXX Account name : XXXX ACCT- XXXX Account XXXX : XXXX XXXX  XXXX -ACCT XXXX  Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account XXXX : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX - ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXX XXXX XXXXXXXX -ACCT XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX- ACCT XXXX Account name XXXX XXXX XXXX BANK NA - ACCT 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 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.