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

I made a purchase online ( website : XXXX  ) for a jacket on XX/XX/XXXX, the amount of order is {$280.00}. 
I received a XXXX tracking number from this website, the order was supposed to ship from XXXX. I waited for a few weeks, but no tracking information updated at all. Later I went back to the website and saw that it was shut down, that when I realized it's a fraud website. 
I opened a dispute on the credit card charge with Citibank on XX/XX/XXXX, case number XXXX, submitted evidence ( I attached them to this form, too ), Citibank didn't contact me to ask for more information except rejected my dispute one month after the dispute on XX/XX/XXXX, with ZERO explanation provided to my lost. 
I contact Citibank customer service for the reason of losing the dispute, the representative gave me a local phone number of the investigator who's on my case. I tried that number many times and no one answers it. That's when I believe I've exhausted means to resolve this issue directly with Citibank.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$12000.00}, {$4500.00}, {$4700.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Credit card

On XX/XX/ I booked a hotel for my upcoming trip to XXXX XXXX XXXX. They charged my chase freedom credit card XXXX. For the XXXX XXXX XXXX XX/XX/XXXX to the XXXX XXXX 
On XXXX XXXX XXXX XXXXXXXX I contacted the XXXX hotel to confirm my hotel reservation. I was told they didnt have a reservation and I needed to contact XXXX 
I contacted XXXX and chase bank that there wasnt a reservation on file for me and I disputed the charges. 
XXXX requested booking confirmation etc. which I could only provide the charges. I communicated with them up through XXXX XXXX 
I have gone back and forth with chase and XXXX 
I have provided the following information to chase bank in writing : Email from the XXXX hotel in XXXX  that they never had a reservation for me nor received any payments from XXXX covering a reservation. XXXX XXXX from the XXXX hotel XXXX Copy of Credit card charges. 
I want my money back. I had to book with another hotel for my trip. 
Ive attached documents to this complaint. 
Please advise if you need any additional information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Resurgent Capital Services c/o LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Removal of Negative Markings from My Credit Report Dear Resurgent Capital Services c/o LVNV Funding LLC, I hope this letter finds you well. I am writing to formally request the immediate removal of any negative markings associated with my accounts from my credit report. 
It is important to note that the current negative reports are not reflective of my current financial standing and may be harming my creditworthiness unjustly. As a consumer, I am entitled to have only accurate and up-to-date information reported to credit bureaus. Therefore, I kindly ask that you review my account and initiate the removal of any adverse entries. 
Please confirm receipt of this request and provide written confirmation when the necessary corrections have been made. If further documentation is required to process this request, do not hesitate to inform me. 
Thank you for your prompt attention to this matter. I trust that we can resolve this issue amicably and swiftly. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX have 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 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. 

XX/XX/XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I received a credit report from TransUnion, in an envelope that was completely open with no evidence of initial sealing ( no adhesive or torn areas on opposite side of envelope ). It appears that the envelope flap was sheared off prior to mailing. I notified TransUnion and was provided with a new credit report copy and a fraud alert was placed on my account. I asked about future risks following this incident, and was told that they could not comment. I was told that I could purchase credit monitoring services thru them.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAS TAKEN THE TIME TO DAMAGE MY CREDIT DURING A NATURAL DISASTER. REPORTING 30 DAYS LATE & REMOVING THE CORRECT STATUS DUE TO THE COVID19. ALSO REPORTING THIS JOINT DEBT AS A INDIVIDUAL DEBT WHEN ALL THEY HAVE IS A JOINT CONTRACT. THE OTHER PARTY FILED BANKRUPTCY BUT NAME ISN'T REMOVED FROM THE CONTRACT FOR WHICH I AM STILL CONSIDERED RESPONSIBLE. THE STATUS OF THE ACCOUNT WAS CHANGED SO THEY COULD ONLY REPORT TO MY CREDIT. NO WHERE IN THE CONTRACT DOES IT STATE IF ONE PARTY FILES BANKRUPTCY THIS ACCOUNT CAN BE REPORTED TO ONE INDIVIDUAL. I AM REQUESTING THIS FIXED ASAP AND THE LATE PAYMENTS REMOVED. ALSO ACCOUNT TO BE PLACED BACK UNDER A NATURAL DISASTER.
Product: Checking or savings account

On XX/XX/XXXX and XXXX XXXX, I initiated two fund account transfers to be transferred from my suntrust checking account to my XXXX  accounts. One for {$1000.00} and one for {$1500.00}. On XX/XX/XXXX, suntrust sent two emails stating that the fund transfers had been stopped. I did not see the email until Thursday, XX/XX/XXXX and made a call to the digital department. The representative said that she could not release the funds because she could not send me a code due to me changing phone numbers and I would have to go the branch. I went to the branch on the XXXX and after assistance with the branch officers, the male representative confirmed with me that I did initiate the transfers and he was releasing them back into my Suntrust account. He said it would be 3 - 5 business days. I have made several calls the following week to the the banking department, customer service and digital department for an update or status. One representative in the digital deparment told me on Thursday the XXXX that they were sent to XXXX  and advised her that they did not. I went back to the branch and spoke with the same branch officer and he expedited an escalation but still said it will be 24 to 48 hours, I even went to XXXX  on the XXXX to confirm. This is my paycheck and I am incurring late fees with my mortgage because I can not pay it due this problem and some other bills. I need my fun0 days later but now. I am concerned because now my XXXX  accounts that were set up for transfers are gone when the system was upgraded to truist along with evidence of my transfers pending. This is my fear that my money is limbo or in someone else account. This is going on two weeks and someone higher in the operations building may have to look into this. The name on my email is XXXX XXXX but my account is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report, and Im baffled as to how they got there. When I checked my report, everything seemed fine initially, but suddenly, these discrepancies appeared. I refreshed the page, hoping it was a temporary glitch, but they were still there. I am requesting a thorough review of the documents I provided to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the XXXX law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and XXXX authorization. XXXXPlease provide a breakdown of fees including any collection costs and medical charges XXXXProvide a copy of my signature with the provider of service to release my medical information to you.
Product: Debt collection

The CBE Group has contacted me regarding a {$1200.00} debt that is owed as of XX/XX/22 to the XXXX XXXX. I have personally been in contact with charter and while speaking with them, realized my social security card is gone. XXXX sent me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied with XXXX XXXX XXXX for a VA Home Loan, FHA Home Loan, XXXX home Loan, and a XXXX Home Loan. XXXX XXXX at ext. XXXX was the Mortgage Specialist I received email contact from and spoke with a XXXX XXXX ext. XXXX in the Client Advocacy Division, this criminal was very combative and XXXX, BOTH of these criminal refused to discuss my Option ( XXXX ) for my Earned XXXX VA Mortgage Loan, they thought the non-communication GAME would trump, Not on my Watch, I'm a Pit-Bull, I Fight Back. To-date I've Not gotten any correspondence from anyone within the XXXX XXXX XXXX, Compliance, General Counsel and the President of XXXX XXXX hasn't taken my call for the " STATUS '' of my Loan ( s ) request, VA, FHA, XXXX, and or a XXXX Home Loan  as a XXXX Veteran and XXXX Strong & Powerful Consumer Demanding a HOME Loan. I've reached out to XXXX, and I've advised XXXX of my instructions for non-delays, let me explain, just like I file 439 XXXX Congressional Inquires, I advised XXXX, that I will reach out to Congressman XXXX XXXX XXXX office and Senator XXXX XXXX XXXX office to instruct this governmental Agency, XXXX of their XXXX duties. Systemic XXXX XXXX acts will Not prevail
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XXXX XXXX, XXXX, I opened an account with Bank of America in there XXXX Georgia branch. The Banker and I sat and I explained to him what type of account I wanted to open ( originally the XXXX  account ). The Banker had to enter in my information twice as there were two profiles in Bank of America system. After merging both old and new profile, the Banker then ran the risk assessment and Bank of America system approved me for a regular checking account. At this time, I made a cash deposit and was given all my documents. On Monday XXXX XXXX, XXXX, I made two mobile deposit of checks I received. As of then and as of the morning of XXXX XXXX, XXXX my account was open and fine. On Tuesday XXXX XXXX, XXXX, I went to use my temporary card at a gas station and was declined use. I had to wait till XXXX to talk to a Banker, who transferred me to the Risk Department ; she informed me that Bank of America was closing my account because another institution had made a report to them. I explained to the Risk Dept Rep that I went through the Banks Risk management and was cleared so I do not understand why my account was being closed. She then transferred me to an automated system ( after I asked to speak to someone who could tell me who the other Banking institution was ). This automated system would n't allow me to speak to anyone. Do to Bank of America 's Risk assessment system and the lack of proper business professionalism I suffered humiliation but having my card declined and not being able to pay for my purchase. Bank of America should have never opened the account, accepted my deposit or allowed a full day to go by without any notification that my account was in jeopardy of being closed.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : 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 XXXXXXXX : Actions Hard Inquiry 15 U.SC 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 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 the information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian and XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX, and hoping that this XXXX XXXX  XXXX lates will be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the XXXX and Fair credit and billing act. I have not heard back from TRANSUNION. If they can not validate, please remove from my TRANSUNION credit report. The following account is what I am questing : Collection XXXX & XXXX Opened XXXX {$140.00}
Product: Vehicle loan or lease

I was really in need of a vehicle for work after being in the hospital after my XXXX. So honestly I think it was more of a moment I was being taken advantage of because of course I was a bit desperate to get another vehicle. After the first few months of the payments I spoke with a few people because my balance was barely going down and Ive never dealt with that problem before and they told me after the first 3 months it would stop but it hasnt so now Im stuck with a car I cant trade in or refinance at all because Im in so much negative equity with this car. I could have a better car for {$700.00} a month than a XXXX XXXX  that is now only worth $ XXXX but I still owe the same amount I left the dealership with I got this car back in XXXX of XXXX  and barely made a difference in my loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the XXXX  XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Checking or savings account

Chime bank closed my account out of nowhere. They said I was not in compliance with the XXXX banks internal policies. All I do is receive my direct deposits from work, and spend my money on things I need. I have not violated any rules or regulations. They closed my account and left me stranded with no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.
Product: Credit reporting

My name was changed on my Experian credit report starting the date of the fraud document with the bank. I have sent all my information to Experian 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.