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

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX RE : Case # XXXX Dear CFPB, I am writing to dispute a charge of {$490.00} to my Amazon XXXX Card account on XX/XX/2021. I would like to request an immediate refund because I never used the tickets. When I purchased the tickets online I was not made aware of all person ages XXXX must be prepared to show proof of full FDA or WHO approved Covid-19 vaccination ( a full 14 days after final dose was administered ), or a negative test taken within 72 hours of visit, prior to entry to the theme park. I was notified of this on XX/XX/2021 about 21 days after I purchased the theme park tickets. When I called XXXX XXXX to file a compliant and advise that I am not vaccinated nor will I subject to a negative test result a theme park operations manager mentioned that they will have to sell my ticket and will not let me into the theme park. I also told XXXX XXXX that there was no mention in the terms of use when I purchased the tickets. I followed up with XXXX XXXX after the event took place. I requested a refund but they mentioned that someone used my tickets and that they had documentation that my tickets were used and they would not be able to issue a refund. I asked the Manager at XXXX XXXX how would I use the tickets if I am not vaccinated and did not have a negative XXXX test result. Also, I asked if they were able to check ID upon entering the theme park to match the name of the person to the name of the ticket. The manager stated that they do not check ID and that it was not a practice at the time. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of the original terms of use including the email after I purchased the theme park tickets supporting my position and experience. Please correct the error on my account promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Name : XXXX Account name : XXXX XXXX XXXX  Account Name : XXXX
Product: Credit card

XXXX would not send me a new card to my new address because I did not have the security code on back of card!!! I decided to pay off card in full after many telephone transfers even to non English speaking county, who did not understand me. I then received a bill for interest incurred ... I paid that fee. After about 6 hours of phone calls my card was never closed. They kept charging me fees which have no explanation attached to the bill. They also refused to allow me to use my {$140.00} in cash rewards. My last attempt to solve the mystery of a XXXX fee and how to use my rewards after being transferred around for the 10th time, I was hung up on ... with no resolve. They continue to bill me for an unexplained fee.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to provide the specific information I requested regarding the verification of disputed negative items on my credit report, which includes inaccurate information about bankruptcy. I believe TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a dispute letter to TransUnion, requesting an investigation into the inaccurate negative items reported on my credit report, including a bankruptcy with discrepancies. In my letter, I specifically requested the following information related to how they verified the disputed items : The Date TransUnion Contacted the Creditor : I requested the specific date on which TransUnion initiated contact with the creditor and the furnisher of the bankruptcy.

Contact Information for the Creditor : I asked TransUnion to provide the complete contact information for the creditor, including their business name, address, and any available phone numbers.

Name of the Person Who Verified the Item : I asked for the full name of the individual at the creditor 's end who verified the accuracy of the disputed information.

Method of Communication Used to Verify the Information : I requested details on how TransUnion communicated with the creditor ( e.g., phone, email, mail ) to verify the accuracy of the disputed items.

Did the Creditor Provide SSN, Address, and Date of Birth? : I asked whether the creditor provided any sensitive personal information such as my Social Security Number, address, or date of birth to verify the disputed items.

To help TransUnion verify my identity, I made sure to include a copy of my government-issued photo ID, Social Security card , and a recent utility bill with my current address in the dispute letter. On XX/XX/year>, I received a response from TransUnion stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party.

This response is unjustified, as I provided sufficient documentation to verify my identity. It is clear that the dispute request was sent directly by me, not a third party. TransUnions refusal to process my request violates the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit bureaus are required to conduct a reasonable investigation if a consumer disputes the completeness or accuracy of any item of information on their credit report. TransUnion 's refusal to provide the specific details I requested and their failure to conduct a reasonable investigation violates my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the Fair Credit Reporting Act ( 15 USC 1681 ), Section 602a emphasizes the importance of consumer reporting agencies handling their responsibilities fairly, impartially, and with respect for privacy. I, as the consumer, assert my right to safeguard my private information, supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. XXXX XXXX, classified as a financial institution, must adhere to Section 604a ( 2 ) of 15 USC 1681, requiring consumer reporting agencies to furnish a consumer report only based on the consumer 's written instructions. 

I revoke any and all consent for EQUIFAX, XXXX and XXXX XXXX to furnish my information, explicitly stating that they lack my written consent. Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information without explaining how the consumer can exercise the nondisclosure option. XXXX XXXX failed to inform me of this right. Furthermore, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including adverse information without authorization.

The law ( 15 U.S. Code 1681s-2 ( A ) ( 1 ) ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates agencies to maintain reasonable procedures. EQUIFAX and XXXX are deemed non-compliant. Finally, according to 12 CFR 1016.7, it states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out to XXXX XXXX and XXXX XXXX, 1 ) to ask for a copy of my credit reports that they have with my information. I have contacted and called them without receiving a report. They have things on my credit that are not correct and need to be corrected. 2 ) HIPPA violators : I have doctor bills from XXXX ( XXXX XXXX, XXXX, Commonwealth Financial & XXXX XXXX ) and the other hospital is XXXX XXXX XXXX that were also paid either through medicaid from the past, charity, and employee insurance. I also have copies of the letters from the hospitals themselves, that I was approved for hardship and they paid the bills. For some reason, not through the not hospitals, they are still being reported negatively to my credit. They are not supposed keep passing to the next creditor after being paid. Against the law. They were to be paid in full and never late. 3 ) Lastly, I have inquiries on my credit that I have not sign up for. Why is it that companies can pull my credit, they do not leave my account for two years, but they bring my score down when they want? I thought my credit was for me to mess up and not others who are trying to get business? How is this fair to me? I want to be compensated if someone pulls my credit without my say so, but their pull can bring my score down. This is not fair to me and my money, due to lower scores I pay more in the end. It really is an insult when I pay companies to correct credit and my score goes up, but then right back down cause inquiries from others are pulling when they want. I want a copy of my reports to sent from ALL companies like XXXX XXXX, XXXX XXXX, and etc. It is my information and that is my right. I would like for the inquiries to stop without me freezing my accounts. Why should they be able to pull my credit to see if I qualify for anything before I am in need of it. How can paid doctor bills report negatively, with XXXX balance, and states it is paid in full? Then they just add an extra number to the account number and make it look as if I have two accounts for something paid? These are unfair practices and I have paperwork. But once I state the obvious, I am marked for life. Please help to correct these issues by numbers. I have tried to send the paperwork into the bureaus, even though it is on the companies letterhead, they would not accept it. Totally confused. So if the company never corrects or reports to the bureaus, I just suffer? Still spending money with companies to assist with credit repairs and steady wasting money due to these issues. since 2006 to present. 4 ) I also have a letter from one of the companies stating that they were going to correct the owed amount in 30 days due to them using unfair credit practices and that was part of their law suit. Still waiting on that and have not gotten one answer after contacting. Its easier to fax my documents instead of uploading. Be on the look out.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds with the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal, and similar practices where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Never received a validation of debt letter to dispute debt. They said it was send XXXXXXXX XXXX XXXX but the only letter I received was sent XX/XX/XXXX. They refused to send a letter of verification when requested via phone on XX/XX/XXXXXXXX XXXX contact number XXXX ) and I could not dispute the debt because the 30 day period has passed. Claims amount of {$1600.00} with not validation or proof of debt.
Product: Credit reporting or other personal consumer reports

XXXX investigated and found certain accounts on my report needed to come off of all of my reports. However, Equifax and XXXX have yet to comply with these findings and it is damaging my report, not allowing me to obtain housing and transportation. According to the FCRA, if one credit bureau removes a negative account after an investigation, all three bureaus have to remove said account.
Product: Debt collection

Somebody has opened a credit card from ( XXXX XXXX XXXX ) using my personal information with the amount of {$850.00}, for which I have received a court letter on XXXX XX/XX/XXXX, filed by MIDLAND CREDIT MANAGEMENT , INC. After going through the court letter file papers I was shocked to know that first of all I have never heard about that bank before and have never ever applied for a credit card from that bank. I haven't received any statement from the bank either. As per their records, the card was opened on XX/XX/XXXX using my previous address details i.e. XXXX XXXX XXXX, XXXX, VA XXXX. But I moved from that place on XXXX XXXX to the current address i.e. XXXX XXXX PL, XXXX, VA XXXX. It also shows in the statement that somebody has made a payment of {$100.00} to that credit card account on XX/XX/XXXX and that wasn't paid by me. 
As per my knowledge, I haven't shared my personal information and my social security with any other people except my wife which we are now separated since the end of XX/XX/XXXX. I am completely unaware of this issue and If I have received such statements from the bank then I would have immediately called them to talk about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of my previous request, I found out that the inaccurate items still appeared on my credit file. I value your help to REMOVED some of the items in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 credit bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've already include this report for a past letter and I am including it once more. These are the following fraudulent items that are needs to be deleted : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Unpaid Balance {$2200.00} ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor! 
Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX See attachments  all arent consented
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices which violates the consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Several months ago, a charge-off account under the name of WC / KOALAFI ( XXXX ) has been reported on my credit history, which has constantly affected my credit profile. This has been disconcerting to me since the account is only reported on the XXXX bureau. According to my inquiries under the stipulations of the law, reports must match among the credit bureaus 100 %. Considering this, I submitted a written dispute requesting the removal of the account, highlighting the deficiencies in compliance with the requirements under the FCRA. However, I have not received a response from the company in question, which has forced me to file a complaint with the intention of resolving this unfavorable situation. Based on all of this, I can say that the company is failing to comply with the sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately.Therefore you are to present to me with a certificate in testimony that the alleged accounts listed in Facts 9,10, are in fact compliant and not subterfuge ( Copied from the Affidavit )
Product: Debt collection

I'm writing regarding a collection entry on my credit report from your agency. This entry was unexpected, as I hadn't been notified of this collection previously. I also have significant concerns about the debt 's validity. 

Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. Please provide this validation and address this matter promptly.
Product: Credit card or prepaid card

I had opened a retail credit card to pay for an engagement ring on XXXX XXXX  XXXX. I doing so, I put money down and was under the impression that there was no interest within the first 12 months, as long as I paid it off. They stayed true with that. What I thought was sly and misleading was the fact that after those 12 months, they didn't charge the regular interest rate on the remaining balance. No, instead, they charged the regular interest rate on what the FULL AMOUNT the ring cost me. I was {$1000.00} shy come the day of the interest charge ( XX/XX/XXXX ). I got married 2 days after that charge ( XX/XX/XXXX ). I didn't notice the charge until I got home on XX/XX/XXXX, which is when I was going to make the final payment, or so I thought. I expected some interest, because I saw the notification that interest would be charged, but I did not realize it would be based off full amount of the item. If I had known that, I would have scraped every dollar possible to avoid that from happening ( on top of wedding payments ). With that said, I paid {$1000.00}, and called to speak with Wells Fargo. After talking to FOUR different people, hung up on ... TWICE, and on hold for a total of 45-60 minutes, I finally was able to speak to the correct person about the issue. I explained the situation and told him I didn't expect to take away all the interest, just not the amount that would have been charged to the remaining {$1000.00}. All he could say is " I can't do that ''. He was no help. So I tweeted about it. They responded and asked me to DM, I explained it to them. They gave me a Case #. This was 2 weeks ago. They told me the person that was handling the case would reach out to me. They also said the case would be resolved come XX/XX/XXXX. I have not heard ANYTHING from them about the case or anyone, for that matter, from Wells Fargo since that call on two weeks ago. Considering I am likely going to get charged interest again soon on the {$1400.00} that they charged me, I need this resolved ASAP.
Product: Mortgage

The lender who has scheduled a foreclosure sale along with their attorney has received multiple requests to provide payoff information and has failed to do so. The title company who is attempting to insure title related ot a final sale has also requested this information. Now the lenders servicer ( Mr. Cooper ) is saying that they are unable to provide certain information because of the XXXX software issue which happened on XXXX XXXX XXXX But these requests have been made previously on multiple occasions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with The Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX IN Account XXXX, XXXX XXXX Account XXXXXXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, has violated my rights 15 U.S.C 1681 Section 602 A.

States I have a 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 instruction.
Product: Consumer Loan

I received a title loan with 800 Loan Mart in or around XXXX XXXX. I defaulted on the loan XXXX XXXX because the car was not working and I was paying for one repair after another to no avail. I called and emailed 800 Loan Mart hoping to work out payments apart from the contract to no avail. 800 Loan Mart sold picked up the car then sold it at auction during which time 800 Loan Mart has claimed more than 3 times the original loan amount often reporting under multiple different names as collection and/or open credit at the same time, siting the account under multiple different terms along with different account numbers and/or history and payments. I believer their business practices a damaging my name. Please look into their billing and accounting practices along with their reporting practices to the major credit bureaus.
Product: Credit reporting or other personal consumer reports

I have a care credit card with Synchrony Bank, I made a monthly payment, two weeks later I called customer service and paid off my account, my statement showed XXXX balance. I received a refund check. I also have a Rooms to go account with Synchrony Bank. I received a late payment notice from Synchrony bank, I logged on and made payment to rooms to go account. I received a notice of missed payment, I called customer service and they said I missed a payment with care credit, how is this possible, I paid account off and received a refund. Care credit reported a late payment on my credit report and when I called they said they could not remove it. This is mistake is Care credits mistake and I should not be punished for it with a negative mark on my credit file for 7 years. What they are doing to me should be illegal it is unfair. Please help working with credit reporting agencies to remove a negative item is almost impossible time consuming and very difficult.