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

In XX/XX/XXXX, I entered into a contract with XXXX XXXX XXXX a service provider from XXXX, XXXX. XXXX XXXX XXXX would provide a XXXX XXXX tour with lodging from XX/XX/XXXX XXXX, XXXX. As part of the Agreement, the tour was paid in advance using my credit card Visa Infinite for a total of {$7700.00}. This transaction was registered in my credit card monthly statement on XX/XX/XXXX. Due to the Covid-19 Pandemic, I emailed Minirunuks Events XXXX XXXX XXXX on XX/XX/XXXX requesting that my tour dates be changed. The XXXX XXXX XXXX tour operator accepted my request and changed the tour dates to September XXXX XXXX On XX/XX/XXXX the tour operator made an announcement informing that due to the increased costs to operate that had resulted from the Covid-19 Pandemic there would be a premium charge that would have to be paid before the tour. At this time, I agreed with the tour operator that I would pay the premium charge once I arrived at XXXX for the tour. Since XX/XX/XXXX, the tour operator had been unresponsive after many attempts had been made on my part to seek information on the reservation that had been paid since XXXX. On XX/XX/XXXX, XXXX XXXX XXXX tour operator made what he labeled a Public Announcement on the companys XXXX page informing that they had ceased operations without offering any recourse. On XX/XX/XXXX, I wrote a claim to my XXXX XXXX representative Banco Popular de Puerto Rico XXXX XXXX XXXX ( XXXX ) requesting a refund since XXXX XXXX XXXX did not provide the service that I had paid in advance for and would not respond to my multiple requests for reimbursement. I reiterated my request to Banco Popular de Puerto Rico Card Product Services ( XXXX ) on XX/XX/XXXX. In this letter I explained once again what had transpired with XXXX XXXX XXXX and informed them that I was within my rights to request a reimbursement by Visa according to Dispute Condition XXXX : XXXX Not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Resolution of the Visa Core Rules and Visa Product and Services Rules.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution in XXXX to investigate my claims adequately informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that XXXX was not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I reached out to XXXX, Trans Union and XXXX to have inquiries old addresses that were affiliated with negative accounts, that no longer reside at collections close the counts report and open inquiries in which I never received serves. This is good for to be removed from my credit profile.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report upon getting an alert stating that my personal information was data breach after I pulled my credit report. II noticed that the following inquiries was on my report that I don't consent or authorized XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I went to try to buy a car and the dealership kept pulling my credit even when I was not there.
Product: Credit reporting

Have made 9+ disputes ( since XXXX XXXX XXXX XXXX ) with Experian on credit card account with XXXX ending with XXXX. Experian refuses to fix inaccuracies reporting charged off account payment status as late since XXXX XXXX XXXX. XXXX XXXX account charged off XXXX XXXX. Representative stated its Experian right to set policies regarding how charged off credit card accounts are reported. Requested copy of Experian policy regarding reporting of charged-off credit card accounts placed on hold 20+ minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice a negative item on my credit report from AXCESS FINANCIAL AND SENT A DISPUTE ON XXXX XXXX,2020 CHALLENGING THE VALIDITY AND VALIDATION OF THE DEBT IN ITS ENTIRETY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you.

I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity of XX/XX/2016. You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was fraudulently opened in my name on XX/XX/2019 by TD Bank USA Target Credit with a current balance of {$560.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently found several inaccurate accounts reporting falsely on my credit reporting and immediately notified Experian via mail with a dispute. The accounts included in my dispute where established without my prior knowledge and consent. I am very familiar with the laws of the Fair Credit Reporting Act and my legal rights as a consumer as it pertains to me. As of yesterday, I received an email from EXPERIAN refusing to investigate my dispute stating that the information sent to them did not appear to have directly from me and that they will not investigate unless I contact them informing them that the dispute came from me. I find this response as willful-negligence and and violation of my consumer rights due to Experian NOT BEING ABLE TO PROVIDE PROOF OR PROVE THE DISPUTE CAME DIRECTLY FROM ANYONE OTHER THAN MYSELF. I AM AWARE IT IS NOT ILLEGAL TO USE CREDIT REPAIR SERVICES IF OR SOMEONE AS LONG AS PERMISSION HAS BEEN GIVING TO DO SO. I WOULD LIKE FOR EXPERIAN TO PROCEED WITH THE RE-INVESTIGATION OF MY INITIAL DISPUTE ACCORDINGLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$46.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXXBalance : {$1800.00}
Product: Checking or savings account

I went in to BMO HARRIS BANK to reopen an account with them. They closed my account back in 2019 for being overdrawn for too long. I was out of work and couldn't pay balance. 

I just learned XXXX XXXX that account was closed due to fraud. I asked them to explain fraud and they said I put a fraud check in my account. Which was inaccurate. The check I deposited was from the person. He didn't know they was in the process of closing his account when he wrote me the check as I just found out. They sent him a check with the remaining balance that was in that account and returned any checks he wrote stating account was closed. I explained this to bank representative in location and over the phone but they keep telling me its fraud because I put it in my account and I nor did he know his account was being closed. So NO fraud was committed on this account.
Product: Checking or savings account

Re-multiple complaints to Chase Bank Claims Department For Two XXXX transactions on XXXX XXXX for {$2000.00} and another on XXXX XXXX for $ 2,000Case stated on these dates that these transactions were cancelled due to y previous account history. Great. However. I have been pleading with them to place my money back into my account. I never authorized these transactions. I made a police report. With XXXX county Sheriffs Department. This was fraudulent. Im XXXX  and XXXX it took me a very long time to save these monies. Please help. There is much more Scam information I can provide upon your request. Thank you
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 XXXX XXXX XXXX. 

Account XXXX : XXXX Account XXXX and 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: Mortgage

On XXXX XXXX we received a letter in the mail from Bank of America stating that our Mortgage will be sold to XXXX Mortgage XXXX. Out Mortgage payment is due on the XXXX day of each month with Bank of America and in the letter it states that the loan will transfer on XXXX XXXX. If I understand this correctly it means I should pay Bank of America for XXXX and then we will start payment to XXXX in XXXX. 
On XXXX XXXX we came home to XXXX messages from XXXX Mortgage asking us to call a XXXX number with a specific pin to reach our message. The message stated that we are delinquent on our XXXX payment to XXXX and to continue of for instructions on how to send payment. In addition to the letter from BoA stating that we begin AFTER XXXX XXXX sending our payment to XXXX we have received no correspondence from them at all, nor do we have an account number to attach to the payment. 
I called XXXX Mortgage 's customer service number and talked with XXXX. He twice asked for my account number even though I told him we do not have XXXX due to lack of correspondence from his company. He then assured me that we were fine as we have 60 days from transfer of our Mortgage holding to begin paying and that we should be receiving a welcome packet any day now. He also said that Bank of America should be forwarding our XXXX payment to them, which I am unable to confirm at this time due to BoA customer service being closed. I am troubled that Customer Service tells us it is no issue but we have already received delinquency calls.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Debt collection

I have no knowledge of this debt with National Credit Systems for XXXX XXXX XXXX XXXXXXXX for {$730.00}. I found out about this collection when I checked mt credit reports and have mailed correspondence ( address keeps changing and some mail returns ) and emailed several times requesting proof of this debt with no response. I have even requested proof of the debt from XXXX, XXXX, and XXXX and they have not provided proof either. This company has never notified me via mail, email. or any type of communication about this debt provided proof of debt, provided proof that they notified me about the debt allowing me to respond, provided dates, charges, itemized deductions or anything of the such. I have XXXX knowledge of this debt and have never been notified by anyone or provided proof of the debt. I do not owe this company any money and am requesting this collection be removed from all three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX XXXX XXXX XX/XX/XXXX 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.
Product: Debt collection

I am being contacted by Caine & Weiner regarding a debt that I do not recognize. I have not received any information about the debt, such as the original creditor, the amount, or any proof that the debt is valid. I am requesting that they provide full verification of the debt, including supporting documentation. If they can not provide this information, I ask that they cease all collection efforts and correct any reports made to credit bureaus.
Product: Checking or savings account

My account was closed after I tried sending money to an account in XXXX as a payment plan for an apartment I was buying there. They say they will release the funds after they get information, I mention that I am dual citizenship and my english name is legally XXXX XXXX as I was transferring from my XXXX  account under name XXXX XXXX. I don't know whether its because of discrimination or another reason but as soon as they heard this they put my funds on hold. 

After two months of desperately trying to contact them and supplying all necessary documentation including passports, legal name change in the XXXX signed off by a judge, copies of the XXXX  nationality act showing my name change and a legal name change document. They finally signed off on releasing me my funds on XX/XX/2023. I spoke with my case manager XXXX who told me I could go pick up a cashiers cheque from the nearest branch as I came to America specifically to pick up the cheque. He told me it would be released to branch XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I was told by my case analyst that the funds would be available by Tuesday at this branch, It is Thursday right now and I am leaving tomorrow and they can not give me my funds. 

My property developer foreclosed on my apartment because I couldn't pay because Citibank had my life savings so I LOST {$72000.00}. 

I drove 2 hours here and they are now saying they have received nothing and they don't know where my money is. I spent {$3000.00} on this trip to America simply to get my money, not to mention all the immense stress I have been put under. 

They also said today in branch something along the lines of 'the funds should've been sent back on XX/XX/XXXX when you issued the recall, because the Citibank ERU said they signed off on a recall, I don't know whether this was a lie or a mess up on their side because my bank confirmed they received NO response ( attached message from my XXXX bank when I tried recalling the funds ) I have filed three complaints and now I am going to have to buy another flight back to America just to get this money, this is incredibly stressful and on top of it all I have a XXXX tax bill which I can not pay so I am getting fined because Citibank has effectively just told me and i quote 'we don't know where your money is '. 

I need that money, please help. This has been a major stress on me for 3 months now as that was y life savings and my future and because of Citibanks incompetence I have lost everything and I have been lied and lied to and it is all on recorded lines as well. At this point I just need my money in the account which is around {$25000.00} wired to my account in the XXXX or a cashiers cheque in the US or them to recall it to my sending bank also in the XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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

I have had 8 years of identity theft on my credit reports. They took off over XXXX accounts and XXXX inquiries. They will not put my credit score where it was. It was in high XXXX. I worked hard on my credit and had no late payments. Can you help me fix this.
Product: Vehicle loan or lease

XXXX  XXXX has yet given me documentation proving this debt. I advised that I was XXXX  and in ga XXXX XXXX during this time. This debt is not mine. I have an identity theft affidavit to this company. Since then I have received a 1099 c for this fraudulent debt