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

My wife and I rented a Property XXXX XXXX in XXXX XXXX, FL through XXXX for XX/XX/XXXX through XXXX XXXX, XXXX. We used our Citibank Credit Card to make a payment of {$1000.00} on XX/XX/XXXX. We used the same card to make a payment of {$870.00} on XX/XX/XXXX for a total payment of {$1900.00}. When we arrived at the property at the property on XX/XX/XXXX, we found that the owner had grossly misrepresented his property claiming it was right on the beach when in fact you could not even see the beach from his property. As soon as we arrived, we contacted XXXX to voice our displeasure and were told that we had to contact the property owner and work with him to get our money refunded. We tried to contact the owner numerous times and finally spoke with him around XXXX XXXX We told him of our displeasure and that we felt he had fraudulently listed his property as something it wasn't. He told us that if we stayed overnight, he would meet us at XXXX XXXX the next morning and consider giving us a partial refund. Given that we had no other place to stay, we agreed. On XX/XX/XXXX, he did not show up. I reached him by phone later that day and he stated that he was very busy and did not know when he would be able to meet us. After that phone call, my wife and I decided to leave his property and drive north to see if we could find another property to stay at. We also filed a dispute with Citibank for the second payment of XXXX because it was still within the 60 day timeline in which to file a dispute. We knew that we had already forfeited the {$1000.00} we paid in XXXX, XXXX. In addition we filed a complaint with the XXXX XXXX XXXX  against XXXX because they advertise a Booking with Confidence guarantee and we felt they had not properly vetted this property listing or the owner. On XX/XX/XXXX XXXX refunded the XXXX fee that they charge for using the service. This was not a partial refund from the owner. I am attaching various documents detailing the correspondences we have had with the Citibank dispute center. 

We have jumped through every hoop they have asked us to jump through and provided the necessary paperwork they requested and yet still they are not doing anything about this fraudulent charge. As a last resort we are contacting you in the hopes that we will be able to get this resolved.
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 : Inquiries XXXX 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, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX  XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX Account # : 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: Credit reporting or other personal consumer reports

unfortunately, I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Product: Student loan

Hello, I requested a student loan refund for {$10000.00} on XX/XX/XXXX with Aidvantage. 

My student loans changed providers on XX/XX/XXXX ( XXXX to Aidvantage ). I called for updates on XX/XX/XXXX and XX/XX/XXXX to inquire about the status of refunds and received no helpful information or status. to my knowledge there has been no movement on this request. Tomorrow will be XXXX weeks since my initial refund request. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation and correction of inaccuracies in my credit report. Upon reviewing my credit report, I have noticed errors in personal information, including incorrect addresses, names, and other
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a small XXXX XXXX with XXXX XXXX. I  need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.
Product: Credit card

I found a {$19.00} charge on my credit card from EQUIFAX. I asked politely 3 times to remove it. Cause I did not authorize it. They would not!
Product: Credit card or prepaid card

On XX/XX/2022, I applied for an increase of credit limit with Capital One, for my Saks First Credit Card. On XX/XX/2022, my request was denied. I have had an account with Capital One for over 3 years, and have never received an credit limit increase, after request were made.
Product: Debt collection

My information was exposed and due to the fair credit reporting act I would like to dispute everything off my credit
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Request for Deletion of Unverifiable Account Information I am writing to formally request that CFPB take immediate action to remove inaccurate and unverifiable information from my credit report, as mandated by federal law. Specifically, the account in question is : XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX I recently disputed this account with XXXX and XXXX, as it contained inaccurate and unverifiable information. Following their investigation, XXXX and XXXX completed the process on XX/XX/2024, and confirmed the account was deleted from my credit file. This deletion is clear evidence that the account could not be verified by the furnisher, as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which mandates the deletion of unverifiable information from a consumer 's report. Under the FCRA, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Additionally, 15 U.S.C. 1681i ( a ) provides that credit reporting agencies must reinvestigate disputed information and delete or correct information that can not be verified within 30 days. XXXX and XXXX deletion of the account indicates that this data can not be considered accurate, complete, or verifiable. Furthermore, failure to remove unverifiable information may constitute willful or negligent noncompliance with the FCRA, which could subject [ Credit Reporting Agency ] to liability under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) or 15 U.S.C. 1681o ( civil liability for negligent noncompliance ). Please note that I reserve the right to pursue legal action to enforce my rights under federal law, should this matter not be resolved promptly. I respectfully request that Experian, removes this account from my credit report within 30 days of receipt of this letter. Please send written confirmation of the deletion once the process is complete. Enclosed with this letter are the following documents to support my request : A copy of my government-issued identification. A copy of my recent credit report showing the disputed account. Thank you for your attention to this.

Attached you will find supporting documentation for proof of residency for last 36 months as well as ID theft report
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against ChexSystems , Inc. regarding the inaccurate reporting of an account on my consumer file. Specifically, the report contains an entry associated with an account at XXXX XXXX XXXX XXXX ( previously known as XXXX XXXX XXXX XXXX ), with the following details : Account XXXX XXXX XXXX XXXXXXXX / XXXXXXXX XXXX Date : XX/XX/2020 Charge-off Amount : {$310.00} This account has been inaccurately reported, and I have not provided consent for ChexSystems or the bank to report such information. I am disputing this entry on the following grounds : I did not sign any contract or agreement authorizing the creation of this account. 
I have not provided ChexSystems or XXXX XXXX XXXX XXXX with permissible purpose to furnish or retain my data, as outlined in the Fair Credit Reporting Act ( FCRA ). 
I requested validation of the account by mail from ChexSystems, including a copy of the original contract and my written signature authorizing the creation of the account. To date, ChexSystems has failed to provide this information or remove the negative account from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I had a home mortgage loan thru Carrington Mortgage Services and this was the worst mortgage company I have ever dealt with. So I decide to get a loan from a different lender in  XXXX   of 2016. Th e loan thru Carrington Mortgage Services has been paid off but still showing up on my credit report. I have called them and sent letter and emails to Custo mer Relations  for Carrington to remove this from my credit report. I can not get no one to do this for me.
Product: Checking or savings account

I transferred money from one of my other banks to pay rent bill. My account was active but as soon as the funds were deposited they locked my account with no notice ( phone call/text/email ). After making a phone call to see what happened, they told me they dont have an answer and to call back in 3 days. I will now pay a fee on being late to pay my bill.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX XXXX ( XXXX ) XXXX Equifax Subject : Request for Removal of Account Due to Cancellation of Debt Dear Dispute Dept, I am writing to formally request the immediate removal of a XXXX Card account from my credit report due to a recent XXXX, Cancellation of Debt, issued by the original creditor. 

Account Information : Creditor Name : XXXX Card Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX Card I have received a XXXX form from XXXX Card indicating that the debt associated with this account has been cancelled. This cancellation of debt is a significant event and should be accurately reflected in my credit report. As the debt has been forgiven, the account in question should no longer be reported on my credit report. 
Please find enclosed a copy of the XXXX form for your reference. I request that you update my credit report in order to completely remove this account from the Equifax credit bureau to ensure the accuracy and completeness of my credit information. 
Should you require any further documentation or information to process this request, please do not hesitate to contact me at the provided phone number or email address. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : XXXX of XXXX XXXX
Product: Debt collection

Statement Regarding Greenburg, Grant, and Richards, XXXX XXXX Date of Incident : XX/XX/year> I am submitting this statement to formally report the conduct and practices of Greenburg, Grant, and Richards, a company based in XXXX, Texas. The following concerns and observations have been documented : Miscommunication and Harassment : The company repeatedly contacted an individual who was not associated with my organization for over a year, utilizing inappropriate and abusive language during phone conversations. 

Misrepresentation as Private Investigators : During their initial contact, representatives from Greenburg, Grant, and Richards identified themselves as " Private Investigators. '' However, upon verification with the Texas Department of Public Safety, Private Security Program, it was confirmed that the company and its representatives are not licensed as private investigators in the State of Texas.

Uncooperative and Evasive Behavior : When contacting the company for clarification, their representatives were initially unwilling to provide information unless I agreed to payment. Upon pressing for details, it became apparent that they were operating without transparency or adherence to standard practices. 

Non-Compliance with the Fair Debt Collection Practices Act ( FDCPA ) : While speaking with a representative named XXXX XXXX, it was disclosed that the company is not licensed under the FDCPA and does not follow its provisions. The representative also failed to verify my identity before providing sensitive information, raising significant concerns regarding data privacy and compliance. 

Unprofessional and Coercive Conduct : During my conversation, the representatives engaged in argumentative and unprofessional behavior. When I stated my intention to contact the original creditor directly regarding the alleged debt, they pressured me to make immediate payment. They questioned my refusal to provide banking information over the phone and disregarded my request for proper verification.

Failure to Contact the Appropriate Party : Despite their collection efforts, the company failed to contact me, the rightful owner of the business they allege owes a debt, prior to their attempt to collect funds.

This report is submitted to bring attention to the companys potential violations of state licensing regulations, the FDCPA, and ethical business practices. I respectfully request a thorough investigation into their conduct to ensure compliance with applicable laws and protections for consumers.
Product: Credit card

I signed up for paperless billing with Citi for my new Costco Citi Visa card. When my statement period ended ( 10 days ago ), I did not receive an email notification regarding my statement.
Product: Debt collection

VOSS Klein repeatedly contacted me, at work, home, cell phone and they do not even have the file, additionally they reported it pn all three credit reporting agencies and have not removed their reporting, despite age of file ( beyond limitations of state- 3 years ) and not being associated with the file
Product: Credit card or prepaid card

This specific account is in fact stated as a charged-off account, you need to tell me the key reason why there is a balance appearing on the credit report whether it is a charge off? The balance is in fact incorrect, take the time to reverse it to XXXX or erase the item certainly. You can also offer documentation to confirm all the charges and credits of this claimed account that brought to the high credit figure you've indicated on my credit report. My request to provide these documents is seen as a proper information petition as documented in my privileges provided within the fair credit billing act.
Product: Student loan

On XXXX Called Mohela XXXX XXXX was told that they had applied my refund of {$2400.00} to loan # XXXX. Left a balance of {$1900.00}. Discussed that under XXXX all payments are to be refunded for loans under the XXXX school. Requested a call back from a supervisor. 

On XXXXCalled XXXX XXXX at XXXX On XX/XX/XXXX, I noticed that Mohela loan # XXXX was actually the payment I paid to XXXX servicer for {$9300.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Federal Student Aid ( FSA )- Confirmed that no refund of the money I paid to Mohela should not be applied to another loan outside of the borrower defense ( XXXX  ) school ( XXXX ) in the XXXX XXXX XXXX  lawsuit money, I was told I needed to file a complaint at XXXX XXXX XXXX On XX/XX/XXXX -Mohela called XXXX Spoke to supervisor XXXX ( XXXX ) at XXXX. Stated that she requested a refund of all payments sent in and to not have any refund applied to another loan outside of the lawsuit. She stated she would put in a ticket to investigate why loan # XXXX came over as a Loan when it was a payment to XXXX before the transfer of servicers. Tracking number # XXXX On XX/XX/XXXX, Filed complaint w/ Federal Student Aid ( FSA ) online Tracking number # XXXX # XXXXI have attached a copy of the loan Payment receipt to XXXX on XX/XX/XXXX for {$9300.00}. Mohela has this payment listed as a transferred loan # XXXX from XXXX. 
# 2. I have attached a copy of XXXX  payoff before it was transferred to Mohela dated XX/XX/XXXX. It shows that I only had XXXX loan for {$60000.00} and {$440.00}. 
# 3. I have attached a loan report from Mohela that shows they took my payment from XXXX for {$9300.00} and listed it as a unsubsidized consolidated loan # XXXX. 
# 4. I have attached a copy of payments, date and amounts to Mohela.

# 5. FSA consolidation application/promissory note in XXXX shows a balance of {$69000.00}. This was before my payment to XXXX for {$9300.00}. Fedloan document shows payment received and deducted from my balance. 

Mohela stated, I had a refund of {$2400.00} and they applied {$550.00} to loan # XXXX. Told me I owed {$1900.00}. I explained I am part of the XXXX XXXX XXXX lawsuit settlement. My School was XXXX University. I am entitled to full discharge and refund w/ interest and all loans taken out from XXXX University through server XXXX from XXXX. 

My loans for XXXX XXXX under the server XXXX  server were discharged two months ago ( {$20000.00} ). 

In addition, I made payments to Mohela during XXXX pause of totaling {$37000.00} from XXXX. It is part of the XXXXXXXX XXXX XXXXXXXX lawsuit requirements : to have any and all refund in the XXXX XXXX settlement from loans taken out for XXXX University.
Product: Debt collection

Sent the following letter to Ascension Point Recovery Services This letter is in response to the phone calls and letters I have been receiving from you. 
According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location. 
Further, this XXXX account is no longer my responsibility. The XXXX of XXXX XXXX was settled many months ago therefore no funds remain to pay this debt. If you had contacted me timely I would have responded in a different manner. 
Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. 

Regards,