23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern, I paid {$1100.00} with Sams Club XXXX XXXX for a round trip ticket for my mother from XXXX  on XX/XX/2023 and the service wasn't done on the due date XX/XX/2023. I waited until that date as I had paid for to confirm the flight for my mother, but the travel agency failed to do so and kept on canceling the flight ticket. Then XXXX called me on that day in the morning, and told me that the XXXX XXXX XXXX XXXX didnt pay for the return flight back to the XXXX and they also told me to talk to them. So we proceeded to call XXXX XXXX ( XXXX XXXX XXXX XXXX ) and no one bothered to answer the phone. So as a result, my mother was unable to return home on that designated day and time. What I did next was buy t another flight ticket of {$720.00} XXXX mastercard on XXXX XXXX so my mother could return home to the states. We bought the flight ticket directly from XXXX this time because we didn't want to get scammed again from another XXXXXXXX XXXX XXXX  This caused me to waste more money because XXXX XXXX was supposed to do their job by giving my mother the accurate return flight ticket. As I mentioned previously, XXXX XXXX charged me for a round trip ticket, not a one way ticket, and they pretty much tricked us by selling us a one way ticket instead of the round trip one. If i would have known that XXXX XXXX were a XXXX XXXX XXXX XXXX i would have never bought a flight ticket from them to begin with. I fell victim to their lies and scamming, and will never ever do any business with them in the near future. 
XXXX XXXX has scammed us of money and as a result this has made me very depressed and stressed out. It has been very hard to sleep at night and to complete my day to day activities knowing that they scammed me of money and that the credit card company still continues to not help me and tells me to sort out the issue with XXXX XXXX. As I mentioned in the previous paragraph, I will never purchase another flight ticket from them again. 
This XXXX XXXXXXXX XXXX XXXX also told me that they signed an agreement with me but how is it considered an agreement when they did not complete the job on their end of the bargain by bringing my mother back to the XXXX. I don't want my hard earned money falling into the hands of scammers, so I ask you to please help me and dont give these criminals my money. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Albert ( AKA XXXX Bank FDIC ) Has continued to perform suspicious activity and fraudulent transactions on an account that was opened and not authorized by me. I never sent Albert any identification documents. This started when Albert sent me a text telling me they were closing an account due to " Unusual activity '' I never opened an account with Albert, and that text was later sent back to Albert to ask about what account. Albert told me they closed it again due to unusual activity without explanation. Furthermore Albert allowed unauthorized transactions to occur on said account from a merchant named XXXX. I emailed XXXX to ask why the transactions occurred and who authorized these, XXXX sent a response explaining that they deemed the transactions fraudulent and would send a refund to the account and apologized for any inconvenience stating they never verified the account. Albert, Then stated they blocked the merchant 's refunds for the FRAUDULENT Transactions because of the account unusual activity. Albert advised me they do not have to allow any merchants to refund any account 's even if the transactions are fraudulent. Albert then responded previously advising they would conduct an investigation of the transactions. Albert then reversed the provisional credit of {$970.00} and told me that no error occurred they had deemed no error occurred and that the transactions were authorized, Again going against what the merchant had stated. Albert told me I could work back with the merchant, And I advised and sent the email confirming the merchant TRIED issuing refund 's and that the transactions are fraudulent and due to identity theft. Albert then tells me in a text they blocked the refunds because they can, and because the unusual activity. This in itself seems fishy to me, As a Financial instituion they are purposely mismanaging accounts. I then advised it must be someone within Albert that performed the transactions then, and how I had already sent Albert Documentation proving the merchant attempted refunds several times for the Fraud. Albert responded and said they don't care and they take security seriously and don't have to allow the refunds to go through. They proceed to tell me I owe them the {$970.00}. Not only that Albert also allowed an advance from this account to a fraudulent account, and then Deducted it from this account and told me I owed it to them even though I never received any funds from this advance. I advised of that and they told me again they don't have to assist me. I am not paying them any Money. I do not owe them any funds. This account is fraudulent The transactions are most definitely fraudulent. XXXX CONFIRMED the transactions were fraudulent I forwarded that documentation several times to Albert and Albert still refuses to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated at this time, my concern was not properly handled by the 3 credit bureaus - XXXX, XXXX, Transunion. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting laws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX history were not correct and is not a charge off. I PAID THE ACCOUNTS AND WERE SATISFIED AS AGREED. Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with he Fair Credit Reporting Act XXXX XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I reviewed my credit report and saw a collection item from AFNI Inc. which I was never aware of and never received any kind of correspondence. I disputed the item through the XXXX credit reporting agencies and this company responded to them in record time that these items are valid which is untrue. I then sent a letter via certified mail in XXXX and got absolutely no response. Yet instill this collection item is still currently on my credit report and causing me to be denied credit.
Product: Debt collection

On XX/XX/19 I submitted a complaint relative to Amsher Collections Services ( hereinafter " Amsher '' ) a debt collector, relative to attempts to collect a debt not owed. On XX/XX/XXXX, AmSher provided a response indicating that AmSher requested validation and billing statements from the client XXXX XXXX XXXX. On XX/XX/19, AmSher provided a follow-up response advising that their client XXXX provided validation information that the claim was unsubstantiated. However, upon review of the documents provided, the documents do not validate the information by XXXX, rather XXXX merely provided four bills for services in my namebills that I have and continue to maintain were opened as the result of fraud. The existence of the bills in my name do not validate specific information supporting the authorization of the accounts. If XXXX can not validate that I expressly authorized the opening of these accounts, then I must be absolved from further liability and they must be removed from my credit reports immediately. To date, the AmerSher collection account remains on my credit report.
Product: Debt collection

On Friday XX/XX/XXXX, an unknown number ( XXXX ) called my phone and left a voicemail seeking myself. I returned the call and they ( Diversified Consultants ) spoke on a past due bill with a cellphone company, XXXX XXXX. I stated, on a recorded line per the caller, that I do not have a contract with your company and as I have before I will go into one of the cellphone company 's locations and make the payment and representative stated ok that is fine. They ( Diversified Consultants ) have repeatedly called both of my numbers ( the second is XXXX ) as early as XXXX XXXX and as late as XXXX ( XX/XX/XXXX ). Furthermore, I do not believe the company is local to my city/state, therefore they are cloning a prefix ( XXXX area code ) and calling from several numbers ( XXXX, XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX
Product: Credit card or prepaid card

Problem is with the customer service phone # on the statement its not working with the past 8 or 9 months so when I have issues I have to go on internet and get a contact # and when I call their customer service are not in XXXX they are in XXXX because they all have XXXX XXXX accent They are not helpful and their system about my account history is not accurate and correct My problem is everything I purchased I returned and nothing showed in my account they made s {$900.00} balance for me and its not correct You could try to call their phone # XXXX
Product: Debt collection

XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX I have contacted TransUnion and XXXX XXXX XXXX to investigate show me proof contract signature anything and have yet to be provided any information proving this alleged account belongs to me BECAUSE THERES NO WAY POSSIBLE FOR IT TO BE MY ACCOUNT Current Rating Collection/Charge-off Status Open Type Individual Unpaid Balance {$1100.00} I have been sending letters and documentation that this is not my account it is impossible at the time I was a permanent resident of XXXX and there was no way possible this account could be mine
Product: Credit reporting or other personal consumer reports

I have addresses on my personal info that needs to be removed the only address that should be there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other address need to be removed I have a document ( mail ) that supports my current address
Product: Money transfer, virtual currency, or money service

I called and kept calling they never responded back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts : XXXX XXXX XXXX XXXX Account number XXXX Date XXXX, XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date : XX/XX/XXXX the following above accounts has violated my rights. 

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. I sent a letter to XXXX Equifax and XXXX in XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 
They are also breaking these laws as well below According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) promptly notify the furnisher of that information that the information has been modified r deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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. 
BANK XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX FUNDING XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX XX/XX/2023 XXXX OF XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I recently disputed a XXXX XXXX account that was inaccurately reported to all three credit bureaus. Following investigations by all three bureaus, only XXXX removed the account from my credit report. I find it puzzling that the inaccuracies were acknowledged by XXXX but not by XXXX and TransUnion, considering they all derive information from the same source. This inconsistency feels like a violation of my rights. I deserve an accurate credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX located in XXXX, Maryland. On XX/XX/year>, XXXX XXXX XXXX XXXX failed to report my correct credit card usage and balance to the credit bureaus. This oversight has caused a significant negative impact on my credit reports from all major credit bureaus.

Despite my attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, there has been no rectification of the error. The incorrect reporting has adversely affected my credit score and has caused undue stress and inconvenience.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX XXXX XXXX XXXX corrects the reported information promptly. I also seek guidance on any further steps I should take to mitigate the negative impact on my credit reports.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been sending written letters since XX/XX/XXXX with regards to my request of removing the inquiries in question and my last request was sent XXXX XXXX.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Debt collection

I am writing to file a formal complaint against NCB Management regarding their flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2024, I submitted a request for validation of a debt that appeared on my credit report, please see enclosed. 
Despite the considerable duration of time since my request, to date, NCB Management has failed to provide any form of validation for the debt in question. 
Furthermore, in direct contravention of the FDCPA, on XX/XX/XXXX I received correspondence from NCB Management attempting to collect the alleged debt, see enclosure. 
According to Section 809 ( b ) of the FDCPA, " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' It is abundantly clear that NCB Management 's actions are not only in violation of federal law but are also causing undue harm and distress to myself. I demand immediate cessation of all collection activity related to the aforementioned debt until such time as proper validation has been provided, in accordance with the FDCPA. 
Failure to comply with this demand will leave me with no recourse but to take legal action against NCB Management for their continued violation of my rights under the FDCPA. Additionally, I request that the disputed account be promptly removed from my credit file since NCB Management obviously can not provide the required validation. 
I urge you to take appropriate action to ensure compliance with federal law. Furthermore, I requested also that the three credit agencies investigate this matter and take any necessary enforcement actions against NCB Management to ensure they are held accountable for their unlawful practices. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and your cooperation in rectifying this situation.
Product: Credit card

Application denied No reason given My credit score is XXXX I have no late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : 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. I am requesting a copy of my written instructions that I provided to each of the credit agencies. If the agencies are not able to provide the requested information they will have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit card or prepaid card

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Product: Checking or savings account

I opened a new Capital One 365 checking account around XX/XX/XXXX for {$400.00} sign up bonus. Three months after I met all the requirements for the bonus, Capital One closed my account in late XXXX without any notice. I was not honored the {$400.00} bonus.
Product: Money transfer, virtual currency, or money service

I am writing to express my serious concerns about how Zelle handles disputes, especially in light of the recent CFPB lawsuit that brought significant issues with the platform to light. Despite being a frequent user of Zelle and reporting discrepancies in transactions, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was told that recovering the lost funds wasnt possible and that tracking the transactions was out of their reach. According to the CFPBs findings, Zelle has failed to protect its users, allowing repeat offenders to take advantage of the platform and leaving customers exposed to scams.
Product: Debt collection

I am not aware of this collection account. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.