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

Chase Bank and XXXX XXXX XXXX/XXXX/XXXX bought 4 plane tickets through XXXX XXXX XXXX/XXXX/XXXX time changes have been made to the flights, so I canceled 1 ticket and got a refund and called back a week later to cancel the rest, but XXXX XXXX rebooked the rest. I filed a dispute with chase since I did not want the remaining 3 tickets to be rebooked. 
XXXX in early XXXX Chase refunded all four tickets by mistake when it should have been 3 XXXX/XXXX/XXXX I was rebilled for the initial ticket that was refunded, which I paid. 
XXXX/XXXX/XXXX I was rebilled AGAIN for the initial ticket, which I paid. 

I 'm am disputing the second rebilled cost! 

I reopened the same dispute 3 times and Chase misunderstood the problem and thought I was arguing that I have n't paid for the rebill, which caused another rebill from XXXX. I 've talked to the supervisor at Chase to re-explain and he said there is nothing they can do since it 's past the disputing period. 

I was able to cancel the first flight since the flight time changed. When this dispute is going on, I got another message saying that the second leg of the flight has been canceled. This means I definitely qualify for a refund. 

I 've attached the flight cancellation email.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. In XXXX of 2022, I filed a complaint with Federal Trade Commission and filed a police report and sent them all 3 major credit bureaus : Experian, XXXX, and XXXX. It's been over 90 days and nothing has changed on my credit report. They've essentially ignored my complaint, even after sending them all the documents they required to correct my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$7200.00}, XXXX  XXXX Balance : {$0.00} & XXXX XXXX Balance : {$2700.00}
Product: Credit card

On XX/XX/2024, I noticed three pending transactions on my account. These transactions were charged by the law firm that my husband has hired for his upcoming court case with his ex-wife. We had already paid over {$7000.00} for the lawyer 's retainer fee to prepare the case. However, we received an email from the law firm requesting more money, which my husband had not authorized through email. We immediately contacted Citibank to dispute the three transactions. My husband also called the lawyer, who stated that he was not aware of these charges and that it was the law firm accountant who had proceeded with them. 
On XX/XX/2024, I received a letter in the Citibank app requesting specific information about the disputed transactions. I responded to the email XXXX with details about the three disputes and included the email from the law firm account that asked my husband to make the payment by clicking to confirm. I also mentioned that my husband did not click to make any of these payments. 
End of XXXX, I received a letter in the Citibank app stating that they had completed the investigation and found that we were responsible for the charges. I called Citibank for a second time, and the staff told me that they had not received any information from us. After I told her that I had sent an email on XX/XX/2024, to respond to their request for more information, she said that we did not give them enough information for the case, which is why they closed the dispute. 

The law firm never mailed my husband the bills, they had the credit card and charged it without his permission. My husband called the lawyer, who acknowledged that we will not pay more besides the retainer. 

On XX/XX/2024, I received a letter from Citibank stating that if I wished to reopen the investigation, I must provide them with a detailed description of how the merchant obtained my credit card information. I had already talked to the billing department about the situation twice. Firstly, the staff member I spoke to said that I had called to cancel the transaction, which was incorrect. I had actually called to dispute the transactions that were not authorized. Secondly, when I asked Citibank about their credit limit policy, they allowed three transactions totaling almost {$9000.00} to go through, even though my credit limit is only {$7500.00}. The staff member hung up on me for asking about their credit limit policy which she couldn't answer during our last call. 

I hope that all the calls have been recorded and reviewed by the investigation team. Whether I can successfully dispute those transactions or not, my hope is that enough people will become aware of my case and be cautious with their credit limits. My credit score has been negatively impacted due to carelessness, and I hope others can avoid facing a similar situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Removal of Account per XXXX XXXX XXXX XXXX XXXX  Guidelines For Reporting Sold and Transferred Accounts To Whom It May Concern, Effective XX/XX/2022 : All guidance that relates to accounts being transferred or sold has previously been updated to advise that the Account Status should be reported as of the time of transfer or sale so no further updates will be made to existing XXXX. 

Experian is currently reporting the account as sold as shown in the attachment ; therefore, the Account Status should have been changed to XXXX and then the account should have been removed from my credit report. The following account is reporting inaccurate ; Account Name : XXXX XXXX Account Number : XXXX The Account Status Field code should have been changed to " XXXX '' and then the account should have been removed from my credit report.
Product: Vehicle loan or lease

My vehicle was totaled on XX/XX/XXXX. On XX/XX/XXXX, my insurance company requested a letter of guarantee from Truist so that they can payoff the vehicle. They were told it would be sent to them in 5-7 business days. It is now XX/XX/XXXX. We have not received the letter of guarantee. I have made multiple calls to the total loss department to request the status of this letter. They do not answer the phone or return voicemails. I contacted loan servicing and filed a complaint. I was told that a manager would call me back regarding my complaint. No one has called me back. I have filed a second complaint with servicing. No response. I also emailed the CEO of Truist on XX/XX/XXXX. No response. My insurance will not pay me the balance of the coverage on the vehicle until this matter is settled, which is creating a significant financial hardship for me. Issues and problems I can understand, but the complete lack of responsiveness and the fact that no one seems to be able to help me is completely unprofessional. It should not be this difficult to get a simple letter so that my insurance will payoff the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies.

The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.

If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness.

To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

List of accounts 1. XXXX XXXX XXXX ( XXXX ) totaling {$4600.00} 2. XXXX XXXX XXXX ( XXXX ) totaling {$2200.00} XXXX. XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  ) totaling {$840.00} 4. XXXX XXXX XXXX XXXX XXXX Minnesota XXXX ) totaling {$320.00}
Product: Credit card or prepaid card

I received a XXXX, cancellation of debt, form from Macy 's in XXXX 2017. Stating that the debt in the amount of {$750.00} has been discharged. I contacted XXXX 's and they explained the form so I offered to pay it and they stated that they can not accept payment due to the statue of limitations and them writing off the debt with the IRS. I then pulled my credit report and noticed that the amount and past due amount was listed {$1000.00} on all three credit bureaus. This is incorrect due to it 's either {$750.00} or {$0.00} due to the attached form which clearly states cancellation of debt. I disputed this item with all three bureaus and they stated the information was verified by Macy's/Citi. I then called them again and it seems that I keep getting the run around. This item is still on my credit reports as of today. I called Macy's/Citi and spoke to representative number XXXX and she stated the same thing that the rep stated in XX/XX/XXXX. So my point is if you wo n't accept payment because you received tax incentive and it is past the statue of limitations, take the balance to {$0.00} or delete it. This has really affected me. The FCRA states that the creditor is responsible for accurately reporting to a credit reporting agency or they must pay. Macy 's is breaking the law by inaccurately reporting.
Product: Mortgage

This is an appeal of a decision made by Wells Fargo against me. I initiated a complaint several months ago stating that I was the victim of a predatory lending scheme and was told today by XXXX XXXX at Wells Fargo that my claim was denied and my case had been closed. No reason was given. I had previously tried to speak with XXXX XXXX but she did not return my calls. When she called to tell me that my claim was denied, I asked why she had not returned my calls. She stated that she was " too busy. '' I would like this matter to be re-opened and researched by a third party ( not Wells Fargo ). They have proven themselves to be unethical and unreliable and clearly can not conduct a fair investigation. I was not asked any questions by Wells Fargo during their so-called investigation. They unilaterally decided that I had no basis for a case. I respectfully request that my case be reopened and reexamined by a neutral third party. Thank you. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspended that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$0.00} XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX XXXX/XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$150.00} XXXX XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$21000.00} BANKRUPTCY CHAPTER-XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I collect my salary under the XXXXXXXX XXXX 3 months ago I made a transfer to Coinbase to buy XXXX, make transactions and then withdraw my money to another account. 
This month XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. 
So, they have withheld my money, saying that I can only convert it within the platform, but not take it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX account # XXXX, has violated my rights.

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Product: Student loan

For the past year or so, every time I have tried to pay extra on my one loan, it only advanced the due date of my payment with Naviant. I have even called to have the issue fixed but it was not fixed. Each time my due date was pushed.
Product: Debt collection

XXXX XXXX XXXX called my husbands work looking for me. They told him that there was a warrant for my arrest that had been served at our old house in Alabama. They said I was being sued for credit card fraud. We called them back on three way and the lady that answered the phone was XXXX. She told me the same thing and that I had made recent purchases and payments on this credit card. The debt on this credit card is XXXX XXXX XXXX and is time barred in the state of Alabama. I did not make the purchases on the credit card in question although it was in my name. I was already sued for this debt approximately 10 years ago and it was thrown out of court when I counter sued for violations of the Fair Debt Collection Practices Act. The original debtor is Barclay Bank.
Product: Credit reporting or other personal consumer reports

This account was sent to you in violation of the terms and conditions I have with the original Bank, which says ... that I can not sue the bank and the bank can not sue me for this account, meaning we can not sue each other. Besides, I never received any notification or letter that said when and for how much this vehicle was auctioned and how much they opted for the Gap insurance, which is a violation of my rights according to the law, apart from this collector never contacted me and instead only arrived a 1099 from the bank which I paid on my taxes, this collector did not notify me anything either and this account appears closed. So I demand that this account be deleted from my credit report.
Product: Credit card or prepaid card

Paypal let XXXX charge me for fee, but i never gave XXXX my credit card ever.My credit card is New replacement XXXX  gave me, Like i told FTC XXXX, Paypal, XXXX, XXXX, XXXX all some how saved my credit card file with Drop-Down Menu i only gave my new card to paypal, i gone through set-up.XXXX  have no permission charging fees for XXXXXXXX XXXX XXXX XXXX XXXXXXXX design and they have me test games.Games XXXX owes me over XXXX XXXX i download games not paid me yet.But XXXX /developers say they monitor me and data.i got proof of transaction XXXX owes me monthly payments ...
Product: Credit card or prepaid card

Capital One Bank has restricted access to my credit card as well as stated is has been closed through an adverse action letter, i have been given misleading info about the reason my account was closed my account has been restricted while in middle of billing error along with late payments being reported againstt the account having fraudulent charges on them i disputed the charges my balance was updates yet i am still not able to have the restriction removed nor will they grant me access to my credit card available balance adverse action against a consumer in a consumer credit transaction is illegal and i demand a reinstatement of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, COMENITYCB/XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
I demand the following accounts be verified or removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Unverified Account XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account XXXX. XXXX XXXXXXXX XXXX  Unverified Account XXXX. XXXX XXXX XXXX - XXXX XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 


XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Debt collection

XX/XX/2016 mailed validation request to Stellar Recovery Inc . They have not responded and the account continues to be reported to credit bureaus.
Product: Debt collection

i had closed a checking account on XXXX/XXXX/14 with a XXXX dollar balenceand i tried to withdraw this and the bank said they did not owe me. 
i received a letter from XXXX saying i owe them XXXX! 
they put this on my credit report after i tried to resolve the issue with them. i found this out after i had applied for credit and was denied. they also stated that i closed the account on XXXX/XXXX/2014 in wich someone had just scribbled in on the statement they had sent me. i have the original statments from the bank proving this.