23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am writing to bring to your immediate attention a concerning discrepancy related to my recent claims. I have noticed inconsistencies in the documentation and processing of my claims, and I seek your urgent assistance in resolving this matter. 

On XX/XX/year>, I filed a claim associated with my account ending in XXXX under claim number XXXX. Subsequently, on XX/XX/year>, I filed another claim for the same amount under the same claim number but associated with a different account ending in XXXX. This situation has raised significant concerns regarding the accuracy and integrity of the claim processing at Bank of America. 

The specific details are as follows : - Claim Number : XXXX - Original Account : Ending in ( Filed on XX/XX/year> ) - Discrepant Account : Ending in XXXX ( Filed on XX/XX/year> ) These discrepancies need to be addressed and clarified as a matter of urgency. I request that Bank of America provide a detailed explanation for this error, along with corrective actions to rectify any potential impact on my accounts and claims. 

To facilitate the resolution of this issue, please : XXXX. Provide a detailed account history and documentation for both claims. 
XXXX. Clarify the reasons for the discrepancy in the account numbers. 
XXXX. Ensure that any administrative errors are corrected promptly. 
XXXX. Confirm that my claims are being processed accurately and transparently. 

I trust that Bank of America will take this matter seriously and respond promptly with a resolution. Please contact should you require any further information or documentation from my end. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.
Product: Credit card or prepaid card

Citi Cards Amount of {$54.00} Vendor : XXXX Date charged : XX/XX/21 I disputed the charge, which was on autopay, for monthly amount of {$54.00}, for internet service as I had cancelled service beginning on XX/XX/XXXX ( if I recall ). I called the customer care line XXXX  offers, spoke to a very friendly lady, and set up a disconnect request as I was moving out of state. I know the XXXX  does advance billing, meaning they bill you the month before the service you're being charged for. In this case, there was no advance billing needed or required for XXXX, so this charge in XXXX is invalid. I understand a lot of customer contracts can have varied terms, some of which are unconscionable in my view ( a termination or break fee = to monthly rate being one example ). I explained all of this to Citi, I told them I spoke via PHONE to customer service, and they denied this charge-back saying they did not receive a " valid proof of cancellation. '' I'm sorry, did they expect me to record my call with customer service? And send that to them how? And pretty sure it's illegal in CA anyhow to do that. So what valid proof do they want? Ridiculous and I should've been credited just out of being a longstanding customer always paying in full on time every month for years ...
Product: Credit reporting or other personal consumer reports

I am writing to express my urgent concerns regarding two critical issues with my account : the delayed opening of my account and the presence of a charge-off account that has been erroneously reported. These issues have not only caused significant inconvenience but have also adversely affected my financial standing. 

Firstly, regarding the delayed opening of my account, I initiated the process and provided all necessary documentation promptly. However, despite assurances of a swift response, there has been an unacceptable delay in processing my account. This delay has hindered my ability to engage in financial transactions and has left me feeling frustrated and disappointed. 

Secondly, I was dismayed to discover that a charge-off account has been reported on my credit history. This account is inaccurate and unjust, as I have no record of such an account. The presence of this erroneous entry has had a detrimental impact on my credit score and financial reputation. 

I urgently request that you take immediate action to address both of these issues : Expedite the processing of my account opening without further delay. I expect prompt resolution and timely communication regarding the status of my account. 

Remove the inaccurate charge-off account from my credit history. This erroneous entry must be rectified swiftly to prevent further damage to my credit score and financial well-being. 

I trust that you understand the urgency of these matters and will prioritize their resolution accordingly. Failure to address these issues promptly may compel me to explore alternative options, including legal recourse. I am asking for your assisstance to remove or correct these accounts in my credit file : 1. XXXX XXXX XXXX Balance : {$1500.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX. XXXX XXXX Balance : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX XXXX XXXXBalance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the inquiry for XXXX XXXX XX/XX/XXXX or XXXXXXXX XXXX  XX/XX/XXXX. 

I went to a car dealership and did not authorize multiple lenders to pull from my report. 
UNAUTHORIZED * XXXX XXXX XXXXXX/XX/XXXX * XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. If you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 
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 Account Number : XXXX Date opened : XX/XX/XXXXXXXX  Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXXXXXX XXXX : {$970.00} XXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX  Balance : {$1000.00} Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Here is the tracking numbers from usps : XXXX XXXX XXXX XXXX XXXX XXXX Return : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing to formally discuss a XXXX XXXX XXXX that I financed through Credit Acceptance XX/XX/XXXX, at the time of this purchase I was desperate and needed a vehicle right away. XXXX weeks later I began experiencing issues with the car, brakes and pulling. Being told that I had a warranty when I leased the car I made several attempts to call XXXX  XXXX  about my issues and was told that the warranty needed to be looked up still experiencing issues with the car I also called Credit Acceptance and was told that I had no warranty with them. 
I tried to do the best I could, but as time went on, the issues got worse and on XX/XX/XXXX the engine blew. Reaching out to XXXX  XXXX I finally spoke with someone as well as credit acceptance, who financed my car and I was promised XXXX months free of payments and a compensation of {$5500.00} due to the necessity of installing a new engine so soon and my ongoing burdens of the vehicle. Included is a 23.99 % apr I was burdened with which also made it very hard to make payments on time because I had to fix everything out of pocket. Credit acceptance charged me a high apr on a car that at the time of purchase was sold to me way above the cars value and with mileage over XXXX. 

Despite this agreement, I encountered several issues : XXXX. I was assured that my account would be reported as paid and that I would not be marked delinquent. However, despite my efforts to continue making payments, I was still reported delinquent. 
XXXX. The replaced engine also failed, further exacerbating my financial burden and rendering the car unreliable. 
XXXX. Due to these ongoing problems and the dealership 's failure to uphold their promises, I was forced to include the car in my bankruptcy.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on my report. The three credit reporting agency ' s will not remove them. It is starting to look unfair to minorities. No matter what you prove to them about their mistakes such as name, wrong bad address, and things that should not be on my report. closed accounts with no balances they will not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report. 

In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation. 

In accordance with the Fair Credit Reporting Act your agency 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 an account without my written consent or instructions.
Product: Credit reporting or other personal consumer reports

Evrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX  XXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around s and then evrything goes from baf to worse inquirires on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was expecting a refund of {$2000.00} for an unauthorized transaction made on my account on XX/XX/22, I advised cashapp that my cashapp card along with my other personal things were stolen & to cancel my card. Actions were not taken & the refund was refunded to my cashapp card from the merchant XX/XX/22 & the thief was able to cashout & use the funds unauthorized. I have been trying to get my money back from cashapp since & instead of helping me they closed my account but I still have use to cash out payments. I was told by the customer support team my money would be refunded but it wasnt.
Product: Vehicle loan or lease

Vehicle was purchased through loan by Credit Acceptance Corporation, the vehicle stopped working 45 days after the loan and the Extended Warranty was not honored by dealer, warranty company or dealership.
Product: Credit card or prepaid card

We took a cruise on celebrity cruise lines and had a back to back and they gave me a XXXX test the day before the second cruise was supposed to begin on the ship and told me I had XXXX even though they sent a doctor in and I showed no signs of XXXX and he wouldnt give me another test saying that its like a XXXX test once youre positive youre always positive. After they a banded us on XXXX XXXX I called visa Credit card that is with truest bank and filed a dispute with them because on the ship they wouldnt give me a credit until they said the manifest is ending so at the end of the second cruise. I called celebrity cruise lines at least a dozen times trying to resolve this but to no avail. I kept calling truest banks dispute department and they told me that they have not gotten any response from the merchant and then on XX/XX/XXXX they said they have not heard any response so they are giving us restitution and that the credit that they provided to us would stay on our bill so I checked my bill in XXXX and nothing was on it as it was resolved so we went on vacation and came back to three letters stating that they finally talk to them and told them that I canceled the cruise which is a LIE.. and since I didnt send in a response to those letters from the dispute department at truest bank asking me if I knew celebrity cruises cancellation policy which is not what I disputed back on XX/XX/XXXX when I filed a complaint with TRUIST dispute department for the visa bill. We were disputing that they kicked us off the boat and I was supposed to get her a full refund +2 days of isolation as thats what they told me a customer relations on celebrity cruises ship. So then The dispute department at truest bank reversed the credit and gave me a debit for the amount of {$3100.00} and some change. I am mediately filed another dispute disputing the first charge plus the reverse of the second credit reversal charge and was told by a lady named XXXX that it would be reopened and only found out yesterday on XX/XX/XXXX that it was never Reopened again meanwhile I took it upon myself to text celebrity cruises and tell them that they still owe me a refund and they did it show me one for {$2200.00}. on XX/XX/XXXX. I mean really am I supposed to be doing the work of the visa TRUIST dispute department. Im still do money and it seems like no one TRUIST wants to help me in either the dispute department or upper management. Please get back with me I hope that you can find in your heart to resolve this situation for us
Product: Debt collection

On my credit report, XXXX XXXX XXXX, is reporting I owe XXXX $ on XX/XX/XXXX. Due to this I have been denied housing opportunities and loans to even improve my stances on becoming a home owner. I have absolutely no information on this bill or amount owed. I have called multiple times in the past 2 years of when this account was opened on my credit report to be provided with no information or even call backs on how this can be resolved. I have two insurances ONE being XXXX that pays for 100 % of my services within XXXX XXXX ( which is when these charges would have occurred ) Around the XXXX of my son around XX/XX/XXXX .... and TWO being XXXX. There should have never been any financial burdens on my part within these companies. The company has been given all my insurance cards as well as told I have two insurances. I have asked for my bills to be shown to me so I can see what they are for and have been told " they dont have them as they did a new system within XXXX and cant pull up records ''. I cant pay a bill I have no knowledge of, no bill for, as well as no communication on as to why my insurance has never been billed for any of it the " claimed '' amount saying I owe. This is highly unethical and I feel extremely victimized in my quality of life trying to move forward with no anvil. I need this taken care or and I need help.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block Inc ) due to inadequate customer service and unfair practice which violate consumer financial protection act ( CFPA ) cash app failed to make timely effective measures to prevent and prevent fraud from their platform leaving my account vulnerable for fraud and scams
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of my credit report dispute by the credit bureaus. I have been disputing fraudulent items on my credit report for some time now, but despite my best efforts, the credit bureaus have failed to address my concerns. I have sent multiple dispute letters and have made numerous phone calls, but to no avail. As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. These are fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit : XXXX XXXXXXXX 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 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 I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with the 3 major credit reporting agencies inwhom is reporting unverified information inwhich has not been certified and physically verified but instead the 3 major credit reporting agencies has relied on electronic Verification inwhich by law can not be used as vertification. In addition the credit reporting agencies has caused great harm to me as a consumer and others alike as well by continuing to use outdated technology inwhich is contributing to the spread of misinformation. In concert with the FCRA I'm demanding the following unauthorized accounts be blocked/ removed / deleted from my credit file immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$270.00} 5 ) XXXX XXXX XXXX {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX falsely reported a bill that I had not paid to collections. This was a false report because I had changed my plan from one type of XXXX XXXX XXXX product to another and because of their erroneous billing practices they continued billing me for my previous product even though I had switched to a different product of theirs and told them to cancel the previous product. Furthermore they made no attempt to contact me before sending their mistaken debt to a collections agency.
Product: Vehicle loan or lease

I went to purchase a vehicle and was approved for a loan. The dealer required me t get insurance but did not include that amount in the Truth In Lending Statement/Finance Statement in violation of 15 U.S. Code 1605. In addition, the dealer failed to mention that there were problems with the transmission as they had already known this information. The truck has major jerking problems, the transmission slips, and sometime stalls. This was known prior to selling me the vehicle. I was also approved by the lender for credit, and then I was required to put a down payment down in the amount of {$3000.00} when other people with the same credit were not required to put a down payment down. Twenty days passed and they did not respond to my rescission letter. Other purchasers with similar credit were offered more favorable terms and interest rates than I was.