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

Dear Madame or Sir, On XX/XX/2020, I purchased plane ticket from XXXX XXXX for {$700.00}, disputing the charge after they refused to give me refund on XX/XX/2020, then went on to grounding their entire fleet on the day I was supposed to travel. In addition they also wanted {$300.00} to issue ticket even after issuing me a confirmed itinerary ( XXXX ). This request for {$300.00} is FRAUD and not issuing refund of {$700.00} after grounding the fleet is against United States law. 

My credit card company, XXXX XXXX XXXX XXXX XXXX   Mastercard, issued by Barclays Bank Delaware, has reviewed the evidence of non-delivery of service ( {$700.00} ) and also the fraudulent request for {$300.00}. At first, they issued provisional credit or {$700.00}. But, to my surprise, in a letter dated XX/XX/2020, they closed the matter ( CASE ID - XXXX ) by reapplying the charge to my account (?! ). 

This is WILLFUL negligence by Barclays - they are knowingly ignoring the evidence presented by consumer whom they offered to protect against such charges.
Product: Mortgage

We have been working on a short sale with US Bank since XXXX, XXXX. All documentation was confirmed received as of XXXX XXXX, XXXX. Per the guidelines, I waited 30 days for a response and did not receive one. I escalated the matter to XXXX XXXX, my point of contact 's supervisor, who stated that he would look into the matter. I followed up with him and cc 'd the negotiator on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I continued to follow up with him on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This has continued into XXXX, on XXXX XXXX and XXXX. I received a phone call on XXXX XXXX and spoke with a representative on XXXX XXXX who stated that they need to start the review over again because the appraisal they conducted in XXXX expired in XXXX, and nobody on their end did anything to order a new one, despite my near constant follow up with the file handler and her supervisor. I am concerned that they in fact did absolutely nothing with the file for over ninety ( 90 ) days, while my client experiences the stress of losing their home and the constant threat of foreclosure. I also have to keep the buyer interested in the transaction, and that is difficult when the lender sits on their hands for three months.
Product: Mortgage

I was scammed into selling my home and wasnt even fully paid for for the house now Im homeless with no where to go And I have been trying to contact someone about this manner for Some time now please contact me at your earliest convience concerning this matter And the transfer of My Estate without full knowledge of what I Was partaking in there is a huge language barrier please call me At your earliest convenience XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Collection Accounts XXXX XXXX XX/XX/XXXX {$650.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$5000.00} Inquires on my credit report that are not factual information these do not belong to me! 
Remove them XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, US DEPT ED, XXXX, XXXX, XXXX Company Inquiries : XXXX  XXXX  XXXX  XXXX
Product: Checking or savings account

On XXXX XXXX my phone and debit card was used to fraudently cash XXXX money order. Ive been the victim of identity theft and its an ongoing issue and investigation I am working with law enforcement to stop this stuff from happening. But my phone was used to cash XXXX false money order and now my account was debited that money because the bank denied the money order. I didnt have anything to do with any of this but I lost XXXX $ because of it I filed police report Acct number XXXX
Product: Credit reporting

I initiated a dispute with XXXX, Equifax , and XXXX XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over 7 years old ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All XXXX credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for XXXX, however they did not remove the old item either.
Product: Credit reporting, credit repair services, or other personal consumer reports

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted COMMENITY on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

COMMENITY has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late.
Product: Checking or savings account

I was a member of the unemployment class action for ( Bank of America ) bofa individualized request process. I submitted all the documentation they asked for. My car got repossessed bc I could not pay my car insurance due to my funds not being available. They denied my request after giving all the information provided. They didnt try to get to the bottom of it and just closed my claim and said its final. It doesnt matter if they dont feel like it was a direct cause from the funds not being available, it my insurance was {$1.00} off of payment they wouldnt except it. I think it is unfair and unjust to end it so abruptly. Its was opened XX/XX/year> and they didnt even investigate. My car lender required the remaining balance on my car after the repossession which was {$5100.00}. Bank of America thinks I owed a {$5000.00} balance and that was not the cause. It was insurance lapse which caused the $ XXXX balance
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXXXXXX XXXX, CONTRACT CALLERS, I This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian XXXX XXXX Re : Request for Damages pursuant Fair Credit Reporting Act ( FCRA ) due to willful negligence According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations.

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have refused to remove an illegally placed bankruptcy from my credit report. After numerous disputes and phone calls to them, even provided proof directly from the court house that this was no a legitimate bankruptcy they continue to respond to my dispute with the generic the item has been verified which is completely false and frankly a LIE. I have contacted and visited the court house personally and they indicated they do not share information with the credit bureaus as it violates FEDERAL LAW. I have demanded proof from XXXX surrounding their verification methods, which they are required to provide by law and they have failed to provide and supporting documents of follow the law. This is a clear violation of my civil rights and I will be seeking to litigate in a federal court with an attorney if this is not resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Equifax are reporting an erroneous collection on my credit report for XXXX XXXX XXXX - XXXX - I never received one notice regarding this debt, it just showed up on my credit report. This was paid
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT, the accounts listed below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have violated my rights.

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- 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: Checking or savings account

I had recent issues with Chase Bank on a few situations where I would consider major violations for mistrust by a bank, where they use an alias saving account to keep my direct deposit issued on XX/XX/XXXX in the amount of {$840.00} to pay off an claim I had filed on XX/XX/XXXX. I had an bank credit of {$680.00} left in checking account ending in either XXXX or XXXX where it was never send to me in a cashier check. I was told on a few occasions that a cashier check will be send to me and I was even given dates like XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX that a cashier check was send in the mail for the amount {$680.00} and changes was being sent to me, which it was never sent back me. Chase bank continue to lie to me about these funds. Chase bank lied to me about my direct deposit being rejected on XX/XX/XXXX in amount of {$840.00} and sent back to my employer within 24 hours. I had a called from an executive from Chase Bank on my 1st complaint two week ago which she mention that she would response and refund my funds owed to me. On all these occasions Chase bank continue lying to me and take advantage of their high power cooperation over people like me. Their response to these complaints is an automatic answer by continuing saying, " I'm sorry '' on the phone but not really caring about you as person of not being to pay your bills or being homeless by them taking a person hard earn paycheck though a violation on their part. They took my funds illegally and continue to lie to me.
Product: Debt collection

I submitted a dispute to XXXX to verified a debt for midland credit management XXXX and they keep telling me its verified and its ky debt please review this no matter how many time I dispute they they keep telling me the same thing I asked for proof of debt a signature something but I have not gotten anything
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Bankruptcy XXXX XXXX dismissed Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent account to be removed from my credit report immediately because they hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. XXXX XXXX : XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

After reviewing my credit reports I noticed that you arealleging that the account is Collection without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$600.00}
Product: Mortgage

XXXX Mortgage 's Good Faith Estimate showed the down payment as 20 %. The day before close of escrow when XXXX XXXX XXXX gave me the final paperwork and it showed the down payment amount was increased by 31 %. Also, the company was hard to deal with because during the last few weeks of escrow XXXX XXXX Mortgage changed or added new loan requirements once or twice a week.
Product: Credit card or prepaid card

Yesterday, my XXXX  Mastercard ( # XXXX XXXX XXXX XXXX ) from Bank of America ( BOA ) was stolen. A police officer returned it after it was recovered in a stolen car and returned it to me. I then reported this to BOA and asked that a fraud alert be put on this account and that I be sent a replacement card. 

I called a toll free telephone number provided on BOAs online banking website about 6 times, but all I got was recorded messages. It was impossible to reach a human being. After wasting about 20 minutes just trying to get an agent at BOA about the theft of the card, I finally was told that an agent would come on the line. Then I was put on hold for an additional half an hour. When the guy who finally answered came on the line, I told him everything I knew at least 2-3 times. He wasted time with chit chat, then proceeded to ask me exactly what Id just told him. After telling him again that I had checked the activity for the card through BOAs online banking website just before I called him and had seen no illicit activity, and repeated everything else yet again, I told him I had to eat dinner and had no more time to repeat the same information Id already provided to him several times, since it took me nearly an hour to get through to him. As I recall, the last purchase I made on this card was for a XXXX membership in the amount of {$120.00}. 

BOA continues to evade its customers and refuse to act on simple requests such as putting a fraud alert on an account that has had a stolen card in a timely or efficient manner, and to replace cards quickly when asked for legitimate reasons. It unfairly burdens its customers with grossly unreasonable, harassing, inefficient and insecure procedures that injure them. In contrast, XXXX XXXX was quickly and easily reached, took the relevant information and said they would mail a replacement card all within a few minutes. The new card should arrive today or tomorrow. 

BOA does not manage its credit cards in a reasonable fashion and its gross ineptitudes put its customers at risk for further injury. This has been the case for years. I have filed previous complaints about it, yet, if anything, these deep seated problems with BOA credit cards seem to be worsening. Just before submitting this complaint, I tried to check the account online for any fraudulent activity. The account was blocked and I could not access it. A message said BOA wanted me to call it, again, to waste more time. I have no more time to waste on BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appled for a rental house. Transunion reported back to the company that I had a criminal record in Georgia and the company denied me for the property based on this information. I do not have a criminal record in any state and has never had one. I went and had a criminal history ran at the police department and has submitted it to them. They state it will take 30 days for the dispute to be completed. I have less that 30 days before I have to move because the owner of this property is moving back into it. I have an XXXX XXXX XXXX daughter and this has been very stressful not knowing where we will go. I can not keep applying to other companies without this correction being made, for fear that i will continue wasting application fee and being denied.