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

On XX/XX/2020 made reservations on Norwegian Airlines using my Costco Citibank Visa Card - ( XXXX, XXXX - XXXX - XXXX XX/XX/2020 - XX/XX/2020 ). Base fare for two was {$1000.00} plus two seats for {$180.00} = {$1200.00}. On XX/XX/2020 was notified that the airline was discontinuing overseas flights and a refund claim submitted ( code : XXXX ). Because there was no timely response a claim was submitted to Citibank on XX/XX/2020. On XX/XX/2020, XXXX XXXX acknowledged receipt of the claim but were " unable to assist during this difficult time ''. Thereafter there were many corroborating mailings to Citi in South Dakota as well as Emails to both Citi and Costco. On XX/XX/2020 Citibank 's website stated that they had settled the claim in the airline 's favor. Subsequently, letters and Emails were sent to Citi asking for clarification. On XX/XX/2020 was notified by XXXX that there was nothing more they could do, and Citi Costco Visa could assist no further.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number 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.
Product: Mortgage

I have been awarded XXXX to bring account current the payment was sent XX/XX/2023 at XXXX I've call my lender 1000 times and the keep saying the haven't received it
Product: Checking or savings account

I have XXXX XXXX 's that matured on XX/XX/year>. I called the bank on Monday XX/XX/year>. However, I am unable to get to anyone at the phone numbers provided. In addition, The banks website doesn't have any options to transfer matured XXXX 's. 

The bank is EagleBank. I am concerned that I have been scammed. 

I do have XXXX statements showing the XXXX 's from Eagle Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i do not recognized these inquiries, i have reported this to the bureaus but they refused to remove them. 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 Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, National Credit Systems , Inc sent me a notice that they are attempting to collect they believe I owe. On XX/XX/XXXX, I disputed this debt through their website as they instructed. Since then, they reported this debt and another false debt to the credit bureaus without providing any validation or even a follow-up on the dispute investigation. The second debt I received no notice for, so therefore was unlawfully prevented from being able to dispute it.
Product: Bank account or service

US Bank committed a possible UDAAP violation with their bill pay system. I utilized their bill pay system which stated that my rent check would arrive at my property management office on the XXXX. It was not disclosed that, although a paper check would be mailed, that it may not make it by that date. Thus I had no problem using the service and expected my check to arrive on time. However, the check did not make it on the stated date. I have now incurred a late fee and threat of eviction due to this. I called their bill pay department and explained the situation and requested reimbursement for the late fee. The agent handling the call stated that US Bank would not reimburse me for the late fee because they could not control the mail. I pointed out that the website had no such disclosure or I would have used another method or arraigned for the payment to arrive earlier. I further explained that I have used the method in the past and have had no issues with it. I put my trust in the method and now I can not trust the method. The agent still ignored my statements and argued that it was not a UDAAP, I was free to research the laws on the matter, and US Bank would not reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my Experian credit report and I found a Hard Inquiry of XXXX XXXX on XX/XX/2018. Just called them to ask about this since I haven't submitted any credit card application and they just told me to call Experian. Called Experian and they confirmed that XXXX XXXX has my social security number and name correct but my address incorrect and that I need to call them again and explain this but they don't help me with this issue. I just need that Inquiry to be removed from my credit since I didn't submit anything to them neither ask for credit to them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inquiries that appear on my credit report. These inquiries are inaccurate, unauthorized, or unverifiable, and their presence negatively impacts my credit profile. According to the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and XXXX XXXX XXXX XXXX ( XXXX ) guidelines, it is your legal obligation to ensure that all information in my credit file is accurate, verifiable, and reported in compliance with established standards
Product: Checking or savings account

I no longer want my Chime account. If they will close the account asap! 

I read local news article about hackers getting into Chime accounts and Chime did little to help recover funds for Chime customers. 

Chime seemed like a nice bank or alternative years ago. I just don't find their bank useful to me anymore. 

Maybe one day they will improve services. It is currently hard to reach customer service by phone or email so have no objection that once Chime receives this complaint that they may close account.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

I looked at my transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

Approved Merrill Lynch - Merrill Lynch XXXX XXXX and XXXX XXXX XXXX, your credit card application has been approved! You will receive your credit card within 7-10 days and the Welcome Package within 10 to 14 days at the address you provided. Application type Online Application ID XXXX Application date XXXX/XXXX/XXXX Decision date XXXX/XXXX/XXXX Bank of America on XXXX/XXXX/XXXX denied for this account after it 's been approved saying that my account has already have too many " significant accounts opened '' after I was approved by the XXXX team at BofA on XXXX/XXXX/XXXX.
Product: Debt collection

A credit card debt was delinquent and owed with XXXX XXXX XXXX XXXX. I moved and my daughter went missing. I later received a proposal letter from XXXX XXXX XXXX XXXX to settle the debt in XXXX of ways. I chose to pay and settled the amount. I have letter, check and receipt where payment was sent certified mail. A collection agency has since sent me a letter to sue me for another balance. I have filed a dispute with credit bureaus but this I think is in violation of federal law. Please help. Company is XXXX XXXX
Product: Credit reporting or other personal consumer reports

CAPITAL ONE AUTO FINANCE BLATANTLY VIOLATES SEVERAL FCRA regulations. 

CAPITAL ONE AUTO FINANCE account XXXX was CHARGED OFF on XX/XX/XXXX, but CAPITAL ONE AUTO FINANCE continues to report it as a charge off every month in this manner updating it monthly. Not only that it also add additional charges/fees after charge off, so balance keeps going up every month. Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that CAPITAL ONE AUTO FINANCE deceptively report incorrect information to credit agencies. 
Despite being charged off, CAPITAL ONE AUTO FINANCE has failed to provide me with a 1099-C form, as required by IRS code 4681.

Additionally, CAPITAL ONE AUTO FINANCE has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit card or prepaid card

Citibank customer service representatives continue to lie and delay action. I messaged via online chat and was told 'Thanks for confirming i have successfully processed the refund and you can expect to see the fund in 3-5 business days. ' After over a week had passed I reached out again 'It will be there with in 2 business days ', 'As per the recent update it may stil take 4 more days. ' and most recently spoken with a customer service supervisor who said she would follow up, but clearly something is broken with Citi 's processes.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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

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 XXXX 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: Mortgage

Mortgage Servicer : Community Loan Servicing Issue : Mortgage Paid XX/XX/2021 and Lien hasnt been released until XX/XX/2021 I need to close on my property on XX/XX/2021 and I wont be able to.

Community Loan Servicing has not responded well to my requests and is inapt to understand the urgency.
Product: Vehicle loan or lease

I applied for an auto financing via CarMax on XX/XX/2022 and was denied ( violations of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ( a ) ( 3 ) ). Credit is my right as a consumer, which means that I can never be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. CarMax only benefitted from the consumer credit transaction, not me. Clear violations of the above mentioned Federal Statutes.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of a collection account listed on my credit report. In accordance with 15 U.S.C. 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this collection account.

Legal Basis : 15 U.S.C. 1692g Validation of Debts The law clearly states : ( a ) Notice of debt ; contents.

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Under this law, if the debt can not be verified, it must be removed from my credit report. Therefore, I respectfully request that this collection account be validated. If the collection agency can not provide adequate validation, Experian must remove this account from my credit report as required by law. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I accidentally sent XXXX transactions to the wrong person, XXXX in the amount of {$330.00} and the other in the amount of XXXX. The transactions were made through Zelle. I tried multiple times to retrieve the funds back as they were sent to the wrong phone number which was off by XXXX number. After multiple field attempts, I even attempted to contact the person who received the funds who is a XXXX XXXX XXXXXXXX customer but they also did not respond. There was no warning given to me to confirm the phone number before I sent the transaction.
Product: Mortgage

For more than XXXX days, the family of XXXX XXXX, through the Administrator of the estate, has been trying to get the HUD Redemption payoff for her home. Freedom Financial is the lender is intentionally stalling in order to avoid or stop the estate from purchasing the home.
Product: Debt collection

XXXX is the only bureau not reporting accurate information on my credit report. Thru will not keep their agreement of taking the fraudulent debt Comenity Bank off of my credit report even after they told me to get a police report and identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 my credit scre dropped over 34 points from XXXX and equifax. A couple weeks earlier it had dropped 10 points. All for no reason. I believe your problem is with the algorithms programmed in your system. These algorithms only account for half of the calculation. They show how much credit you have used in a month but fail to show that I have XXXX  out the balance when the statements are due. As of today my credit card balances are all XXXX.
Product: Debt collection

XXXX XXXX XXXX  - I AM A VITIM IF IDENTITY THEFT PLEASE REMOVE FROM MY ACCOUNT IMMEDIATELY XXXX XXXX XXXX - I AM A VITIM IF IDENTITY THEFT PLEASE REMOVE FROM MY ACCOUNT IMMEDIATELY XXXX XXXX XXXXXXXX - I AM A VITIM IF IDENTITY THEFT PLEASE REMOVE FROM MY ACCOUNT IMMEDIATELY XXXX XXXX XXXXXXXX - I AM A VITIM IF IDENTITY THEFT PLEASE REMOVE FROM MY ACCOUNT IMMEDIATELY XXXX XXXX XXXXXXXX - I AM A VITIM IF IDENTITY THEFT PLEASE REMOVE FROM MY ACCOUNT IMMEDIATELY JEFFERSON CAPITAL SYST - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT JEFFERSON CAPITAL SYST - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXXXXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX BLAZE - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXXXXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXXXXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXXXXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX - XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT XXXX XXXX XXXX - PLEASE REMOVE THIS FROM MY ACCOUNT I AM A VICTIM OF IDENTITY THEFT The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Product: Mortgage

We are trying to payoff the reverse mortgage on my deceased mother 's home. Champion reverse mortgage refuses to provide the payoff amount even though requested verbally on the phone and in writing by fax XXXX. They continually state they have not received a request although they have acknowledged other information in the same fax. 
We have verbally requested how to make the payment and wiring instructions for the payment and they outright refuse to provide the information. 
Champion is proceeding with foreclosure while refusing to allow us to pay the mortgage balance.
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, 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 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.