23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Barclays Bank regarding issues I have encountered with my JetBlue XXXX Mastercard account. Over the last few months, I made multiple attempts to verify my account, but these efforts were unsuccessful due to [ briefly explain the issue, e.g., " technical difficulties '' or " unclear processes '' ]. 

Following these verification issues, I attempted to close the account, but Barclays has refused to honor my request. Despite not using the account for XXXX months, Barclays charged me an annual fee of {$99.00} on XX/XX/year>. I believe this charge is unjustified, given my clear attempts to close the account and lack of usage. 

# # # Details of the Issue : 1. **Account Information** : - Account Type : JetBlue XXXX  Mastercard - Associated Card : Last 4 Digits : XXXX XXXX. **Attempts to Resolve** : - Over the last few months, I attempted to verify my account with Barclays, but the process did not work out. 
- After these failed attempts, I made repeated efforts to close the account, but Barclays has refused to comply with my requests. 
- Despite my efforts, the account remains open. 

XXXX. **Charges Incurred** : - On XX/XX/year>, Barclays charged XXXX an annual fee of {$99.00}, even though I had not used the account for the past XXXX months and had clearly expressed my intention to close it. 

4. **Impact on Me** : - This situation has caused unnecessary financial burden and wasted significant time as Ive tried to resolve the issue directly with Barclays.
Product: Credit card or prepaid card

We purchased several lights for our house from a furniture company on XX/XX/XXXX totaling to over {$3200.00}. After being promised we would receive merchandise within 10 days of purchase, we never received the merchandise delivery. The furniture company kept saying the merchandise was not shipped yet or stuck at customs. After waiting 1 month since purchase and never receiving merchandise and no new expected delivery date, after numerous follow ups with the vendor, our request for refund was declined by the vender. We were left with no choice but to file a dispute with our credit card company Citi.

Citi bank dragged out the claim for 5 months. We have called and followed up with Citi many many times with no resolution. Since XX/XX/XXXX, Citi has repeatedly promised over the phone that it was resolved permanently and would receive the status via email. But we have received a couple " dispute update '' emails ( the latest on XX/XX/XXXX ) stating a conflicting message. The emails stated that the investigation was still ongoing and there is still no resolution. We have spoken to several supervisors of billing department and dispute department who told us that they have no control over the dispute update which is supposed to be sent by the investigator who can not be reached by either us or Citi 's own supervisors of Billing and Dispute departments.

The bottom line is that the credit should be awarded to us PERMANENTLY ( NOT " CONDITIONAL '' ) after 5 months of back and forth and Citi 's " investigation '', since we have never received merchandise. Unfortunately, Citi has handled this simple dispute extremely unprofessionally!
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No, 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX**
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023XXXX XXXX XXXX  adds a derogatory mark on my credit report per XXXX XXXX  and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 record of conviction 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, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Checking or savings account

In am wanting to file a complaint against Navy Federal Credit Union, for multiple over drafts fees. Ive had multiple occasions were I had sufficient funds available in my account, and the stuff I would buy would post to my account days later and often lead to the back withdrawing money out of my savings account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported 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

There are items on my credit report that are a result of identity theft. See Attached
Product: Credit reporting or other personal consumer reports

On 05/09/2024 I mailed a first-class letter to TransUnion LLC Consumer Dispute Center Stating I had found the following items to be in error reporting on my credit report, requesting they be removed under Consumer Laws that were relevant to my situation. They did not respond to me with any positive news. They sent me a letter saying " We applaud your recent efforts to take charge of your credit. We want you to know were on your side and were here to help support you on your path toward credit XXXX. 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. The letter goes on to say that I could count on them to achieve my credit goal, which is ridiculous because they have continued to ignore all my request. They asked me to go into the Transunion website to dispute anything I needed. A letter I believe was sent to waste my time. I had attached a Bill with my name and current address, A

Driver 's License even a copy of my Social Security card. All in color. Legible and Clear.

A Balance for a XXXX XXXX XXXX XXXX  Account opened in XXXX Still reporting unpaid- XXXX Incorrectly Reporting late payments XXXX- XX/XX/XXXX, XXXX XX/XX/XXXX I also have also Sent Certified Letters to Transunion as well XXXX. 
No Response was sent me to as I requested. 
I sent another set of certified letters to Transunion on XX/XX/XXXX and have not received any type of update on any one of the Errors I have tried bringing to their attention. I have spent hours of my time both on trying to correct the Errors Reporting and the misuse of my credit report. I have spent money on sending letters to them both first-class mail as well as certified mail. I feel I am getting taken advantage of. It's become extremely stressful and time consuming. I truly hope I can get someone to help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 a section 2 : it also states a consumer reporting agency cannon furnish an account without my written instruction 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 informaiton, 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 infomation relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX ) failed to provide billing or statement for services rendered. I called repeatedly and requested statement in order pay {$63.00} balance that I acknowledged was owed from XXXX. A detailed billing was required for my Flexible Spending Account supporting documentation. Invoice was not available to pay from their online portal. On XX/XX/2022, I sent a detailed letter w/copy of my EOB and my check for full payment of balance ; check cleared my bank on XX/XX/2022. 

I had several subsequent services provided by XXXX XXXX XXXX so there were multiple opportunities for the Service Provider to discuss an open, past-due balance on my account. 
Balance was turned over to Louisiana Recovery Services for Collections in XXXX ; I have yet to receive any communications from this agency regarding an unpaid balance. They have reported this amount to all three credit bureaus which has lowered by credit score by nearly 80 points. The balance still shows unpaid on my credit report. 

I have all documentation to back up this claim.
Product: Checking or savings account

My application was approved online in XX/XX/year> for an access checking account and no card was issued within the deposit timeframe.So went to Citi branch XXXX to deposit {$13000.00} cash into my account. Since then Citi periodically review my account and assess account activity. When I called and verified completed Im told my remaining balance with be sent in 30 days until the fraud department find I done fraudulent activity. My spending was almost always on XXXX for $ {$3000.00} and I purchased a XXXX for {$4000.00} on a website, I was told I violated customer terms policy because I asked Citi bank to dispute the {$4000.00} transaction because my XXXX XXXX XXXX Not informed to show documentation by customer service I was giving {$4000.00} credit by the bank because I told the truth and showed documentation on XXXX. But Based on a recent review of my Access Account the XXXX department found that i have been spending too much As a result, Citi have blocked my account access and closed out my account within 60 days of the date XXXX XXXX I am supposed to receive my remaining balance in the form of a check. I want my remaining balance but the 30 days effective immediately because this bank has took my money and treated me very bad like a criminal I am a XXXX man that deposit {$13000.00} into XXXX I been red flag ever since walking into Citi bank.
Product: Credit card or prepaid card

I am writing to dispute a billing error in the amount of {$1600.00} on my account. Your company claims that payments that were due for the months of  XX/XX/XXXX and  XX/XX/XXXX  were unpaid. Collection fees were then added, which resulted in this disputed total. The amount is inaccurate because payments were, in fact, made for both of the aforementioned billing cycles.  <P/> This is a store credit card for Guitar Center. The account was owned by  XXXX   XXXX , from the time we opened the account on  XX/XX/XXXX  until it was transferred over to Synchrony in  XX/XX/XXXX . Payments were consistently made on time every month, even after Synchrony took over the account.  <P/> In  XX/XX/XXXX , I was contacted by Synchrony and told that my payment had not been received. After looking at my bank statement, I confirmed that the payment was received and taken out of my bank account for the same credit card account number that had been drafting my payments, even after  Synchrony had taken over the account. When I told a supervisor at Synchrony that I had proof of   payment, he told me to just pay it again, along with the late fees to make my account current. When I declined, I was told to check back the following week to see if they found the payment.  <P/> I called the following week, and a supervisor told me to fax proof of payment. I faxed proof on  XX/XX/XXXX . When I called to make sure it was received, I was told it was not. I called again the following month, and was told to fax it again, this time to  XXXX  different numbers. I faxed those on  XX/XX/XXXX , and was told once again that no one received my faxes. Frustrated with the fees that were accumulating and my fear that my payments would never be received, I asked if I could settle and pay off the account. I was told that I could not do this until my account was turned over to Synchronys collections department in 30 days. When I contacted them in 30 days, the debt had been sold to an outside collection agency that will not allow me to settle the debt without paying these unjust fees, and this false delinquency has been added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken out several disputes with Transunion in regards to the fraudlent account opened with verizone wireless under my name. XXXX refuses to send me information verifying and proving that this account is mine. They ignore me transfer my calls around etc. My next step was to exercise my rights under the FCRA through the credit bureaus. They asked me to provide documentation in regards to my identity theft claim. I have done that several times. They then mail me paperwork again asking for the same exact information I have already sent in. I have began to do my communication with them in email and in chat as well as electronically online disputing and telling them why. They keep coming back with the information was " verified '' and that I need to contact the lender to have the information corrected. I outlined specific areas of the law and what is required of them to " verify '' and Transunion refuses to follow the law. They even said they do not have that documentation on what they are reporting. They told me that they contact the lender and then lenders just confirm that this information is true and accurate. Nobody will provide me with the actual proof. Not XXXX XXXX or Transunion. The last complaint that I filed was just closed right away and stated that I would get my results mailed to me. In those results they asked me to provide a police report which I DID several times. Just today I was told the only thing they can do is reopen the dispute again. I have already done that a good four times. I sent them a letter stating the law of what they must provide and still they say they don't have to verify outside of just the lender confirming to be true. I even got a letter that stated I benefited from goods or services... well someone did but it sure wasn't me. Even if that was the case my rights have been violated and these people have not followed the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a copy of my credit report from all 3-credit reporting bureau 's ; XXXX, XXXX, and Experian. There were collection items on my credit report that were questionable. I reached out to all three bureau 's and disputed these items and asked them to validate this debt, verify this debt and provide me with supporting documentation ( wet ink signature of a contract with my name on it ) or any supporting documentation showing that this debt is mine. The reply back was simply, this debt has been verified. 
In XX/XX/XXXX, I re-disputed these items again, inquiring about methods used to determine that these debts actually belonged to me and to provide any supporting documentation that shows these XXXX-debts as valid and verified. XXXX  and Experian failed to respond to me, failed to accurately and thoroughly investigate and failed to provide me with any supporting documentation.

The FCRA and the U.S. Congress states that the burden is on the credit bureau 's to provide documentation to the consumer that supports their verification and validation findings regarding a debt dispute. Reference : United States Court of Appeals, Third circuit, Jennifer CUSHMAN, Appellant v Transunion Corporation, No. 96-1553. Decided June 09, 1997. I cited this case when sending re-dispute request letters to all 3-credit reporting agencies, yet they have failed to comply.

In addition, I have received a collection letter from XXXX XXXX XXXX XXXX for a debt that I don't recognize as belonging to me, as I can't recall signing anything or agreeing to anything. They have also failed to respond to my request to send me supporting documents that this debt belongs to me. 
This is negatively impacting my finances and is causing great harm to me. These bureau 's have failed to follow debt dispute procedures. I am the victim of identity theft and having documentation validating and verifying this debt is imperative. These items should be removed when they failed to accurately verify and validate the debt and send me evidence of their findings. 
Please allow me the ability to submit my certified letters that included my drivers license, a current utility bill and my social security number so they may help identify me. As well as my certified letter to the collection agency requesting verification, validation and any agreement/contract that identifies the debt as belonging to me.
Product: Credit reporting or other personal consumer reports

I recently check my credit report saw late payment I dont recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to Equifax ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Equifax still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$47.00} XXXX  XXXX bal. {$0.00} XXXX XXXX  bal. {$0.00} XXXX XXXX XXXX. {$230.00} XXXX XXXX bal. {$0.00}
Product: Debt collection

Amount of debt : {$730.00} The address is different from XXXX XXXX  XXXX XXXX, MI XXXX ... .another address XXXX XXXX XXXX XXXX , SC
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both Equifax and XXXX and both are reporting different information. You have incorrect account numbers and also incorrect payment history. XXXX is showing a perfect payment history while Equifax is showing late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please delete or removed all late payments. 

Account name : XXXX XXXX XXXX Account number : XXXX Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX XXXX XXXX  XXXX {$950.00} XXXX/XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX