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

A charge to Chase XXXX XXXX XXXX Credit Card was completed for our cruise, on XXXX XXXX XXXX XXXX for the full cost of a cruise on XX/XX/2022 in the amount of XXXX. The Cruise line cancelled the cruise in XX/XX/2022 a few weeks prior to the XX/XX/2022 departure. The Cruise line offered to rebook on another trip or a full refund. As the alternate cruise did not fit our schedule we opted for a full refund. Since XXXX we have made several attempts via email and through the travel agent to request a date for our refund. XXXX provided only standard texts with no dates- The following is what was received from XXXX. 

Thank you for contacting XXXX XXXX XXXX XXXX. 

I do see where you have a pending reimbursement on your account. Unfortunately, I am unable to give an exact timeline for when your refund will be processed. Our XXXX team is working on all refunds as quickly as possible in the order in which they were approved, but they are unable to provide exact timeframes for any specific refund. We understand the frustration this delay can cause, but appreciate your continued patience. 

Warm Regards, XXXX XXXX XXXX Thank you for contacting XXXX XXXX XXXX XXXX 

As Im sure you know, the coronavirus world event has caused severe disruptions throughout the travel industry, and our company is no exception to this. Our team is devoted to delivering exceptional customer service- however there were a number of departures that needed to be canceled due to government restrictions, and we are working through processing thousands of requests as a result. 

We have a limited number of team members, but we are working diligently through each and every request in the order in which it was received. As a result of the amount of refunds to still be processed, there is no time line on when your refund will be done. 

Following these recent emails, the XXXX website no longer exists, there are no responses to calls or emails. Having no other recourse to negotiate with the merchant, I requested assistance for a charge back from our XXXX card for Lack of Service. The claim was denied because we do not have a specific date of the refund from XXXX. I explained the company is no longer active and I can not make any further requests and XXXX would not provide a date or timeline despite our multiple request to do so. 

According to the XXXX XXXX like with any other charge, the consumer has the right to dispute a transaction involving a non-refundable charge as long as they believe they have a valid claim. Valid claims include not receiving the product or service or not having signed or authorized the non-refundable charge. 

I believe we have met the criteria for the XXXX and Visas denial that a specific date for a refund does not meet with the XXXX of the XXXX guidance. It further seems it is a criteria set up by XXXX as a means to deny claims that is unrealistic and does not provide the consumer protection for cancelled trips claimed on their website.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. The status is incorrect for the following account XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX  and was advised this account was opened in my name in XXXX. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agencies are continuing to report inaccurate and incomplete information on my Consumer report. The CRA have failed to verify that these accounts are 100 % completely accurate. XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 ( i ) ( 5 ) ( a ) Accuracy and fairness of credit reporting.

15 USC 1666b-Timing of payments 15 USC 1637 ( b ) STATEMENT REQUIRED with EACH BILLING CYCLE
Product: Credit card or prepaid card

I completed the terms for the sign up bonus on my American Express Delta Skymiles gold card on XX/XX/2019. I still haven't receive my sign-up bonus yet. Every time I contact customer service, they tell me that it's under investigation and tell me to wait longer.
Product: Credit card or prepaid card

On XXXX XXXX, 2019 I requested that all interest charged to my Bank of America account be reimbursed to me. 

A XXXX XXXX, 2019 letter from Bank of America credited my account {$.00} of the approximately {$940.00} requested.
Product: Student loan

For years I had no idea who had my student loan. I noticed a garnishment of {$520.00} on my paycheck and learned that my loan was with Pioneer Credit Recovery. I reached out to them to set up a payment plan and stop the garnishment. The woman I spoke with wasn't rude however she did talk about 100mph and I felt like she was trying get me committed to some payment plan that I wasn't fully understanding. They spoke to me in circles when I tried to gain some clarity of what she was " offering '' to me. However they were going to take my initial concern of {$520.00} and add a " payment plan '' to it. So by trying to get some resolution to my debt, I was going to incur more loss. 

I was under the impression that due to Covid, we were being offered more favorable options where this was concerned. In all honesty, I felt like I was violated after this call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( BLOCK, INC. ) due to inadequate customer service in a fair practices which violate the Consumer Financial Protection Act ( CFPA. ) specifically Cash App failed to take timely and effective Measure to prevent an address fraud on their platform leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations. Its only fair to the consumers.
Product: Credit reporting or other personal consumer reports

Subject : TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect XXXX information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect XXXX information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 
- XXXX : I filed another dispute, and on XXXX than XXXX hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 
- XXXX : I made a third attempt to dispute the XXXX record. On XXXX at XXXX AM, I received yet another email indicating that TransUnion investigated XXXX public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect XXXX  record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The XXXX record in question belongs to my father, XXXX XXXX, who has a similar Social Security number and previously lived at my address. I have never filed for XXXX, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to Equifax to initiate an investigation into identity theft. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a comprehensive validation of the disputed accounts following the prescribed procedures. This specific section governs credit reporting agencies ' obligations during inquiries concerning contested data. 

Furthermore, I want to emphasize that the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) places a responsibility on data furnishers to furnish accurate and complete information. Due to the evident inconsistencies in my credit report, I demand prompt corrective measures as stipulated by this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. 

Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " 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. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. 

The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " 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 '' They must File a 1099-C for any debt that is canceled over {$600.00} dollars, but i never received this form. Also, if done correctly, they can not report debt to a consumer report because that is a transaction between the creditor and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX  Security breach, I decided to freeze my credit, which was free from XXXX and XXXX but TransUnion charged me {$10.00}. I am now looking to temporarily lift my credit freeze to apply for a new card and I am being charged again for a temporary lift from TransUnion for {$10.00}. I understand {$10.00} each time is not a lot of money but I find it to be morally unethical for a company I did not choose to use making money off my information being stolen. I would love to not have a security freeze on my account but given I received confirmation that my information was stolen during XXXX XXXX security breach, I would rather be safe than sorry. Not only do I find XXXX XXXX business practices appalling considering I can not change my social security number and will need to have a security freeze for the rest of my life, I find it even more appalling that it is not illegal for these companies to make money off me. I'm not a victim of identity theft but I kind of am. Why am I paying for this when I did nothing wrong?
Product: Debt collection

I disputed this debt with the credit bureaus and directly with the collection agency via certified mail. At no time did I receive any documentation that legally verifies this debt. I have not even received correspondence from this company at all except for the original letter. Congress states that the only legal verification is the physical documentation that was filled out when this account was opened and this documentation was never sent to me. In addition, I 'm pretty certain that a company can not just state that the debt is mine, or else anyone can state that anyone owes them money. Where 's the proof and why ca n't this company produce it? I never stated it was identity theft, I never stated that it was n't mine. What I am stating is that I do not recall this debt and that I know my rights in regards to items reporting on my credit report : they must all be legally verified.
Product: Checking or savings account

There was fraud detected in my Bank of America account that I was not aware of until I couldn't log back into my bank account. Without warning, BoA closed my checking account with them and sent the remaining funds back to me via check. Now every time I apply to open a checking account with another bank it won't allow me because of " past history '' with other banks. I've only had a BoA, I've never committed fraud in my account, and I'm a student who absolutely needs a bank account.
Product: Credit card or prepaid card

I disputed a charge on my Bank of America ( " B of A '' ) Visa Card for an online purchase. Upon receipt of the product, it turned out to be a recurring billing scam by a merchant that had been repeatedly shut down through FTC enforcement action. I disputed the charge with B of A and initially was given a temporary credit. A month later, I received a letter in the mail dated several days earlier and giving me just a few days to respond or the charge was to be reversed and placed back on my credit card. 


I do not believe this is in line with the Fair Credit Billing Act ( " FCBA '' ) which permits reasonable time to resolve disputes. In particular, when a credit card issuer finds in favor of a merchant, at least ten days is required between the time an adverse decision is made and the consumer may respond further. Here, that was not afforded to me in violation of 15 U.S.C. 1666. This  is evidenced by the fact that the date on the letter itself is only seven days prior to a 'deadline ' to have responded. B of A shut down the investigation before I had time to respond to the merchant as set forth in the code. 


Next I tried to exercise my 'claims and defenses ' remedy and no one at B of A even knows what that is. Specifically I am deprived of my right under the Truth in Lending Act, Reg. Z, 12 C.F.R. 1026.12 Special credit card provisions, which permits me to withhold payment of unpaid amounts. Every one of the B of A representatives, as well as multiple supervisors, have no idea about this right and insist that I have exhausted all avenues to dispute this bill. I state to them I am not again exercising the 'billing error ' portion of my claim, but now a claim that this is an outright fraud which has been adequately demonstrated to B of A, and for which B of A is holder in due course of the alleged debt. The time frame is one year, not 60 or 90 days, depending on who one speaks with at B of A.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Citibank N.A. - # XXXXhas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Citibank N.A. XXXX 15 USC 1681 Section 602A. States I have the right to Privacy. And according to 15 USC 1681e ( b ) they are supposed to ensure this 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. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of information. Any other Adverse item of information other the records of convictions, of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) 1. A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate or incomplete.

UPON the receipt of documents herein and of this notice. You are hereby notified Pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Citibank N. A. XXXX XXXX  Signature XXXX : XXXX
Product: Checking or savings account

on 3 occasions within the last 30 days, I have had fraudulent bank accounts created with Bank of America. All 3 times I have called immediately upon receiving email confirmations and they assured me this is account is suspended and put on alert only to have it happen again and again. I have filed a police report and spoke to the rep with BOA and they assured me that they have put an alert under my name. I do not have a Bank of America account nor have I ever. Someone is creating fake bank accounts online and BOA is doing little to nothing to stop it.
Product: Credit card or prepaid card

Purchased an item with a {$30.00} rebate advertised. Received the item and applied for the rebate. Rebate was approved and after a 2 month delay, I received and activated the debit card. The problem is the expiration date was less than 12 months from the receipt of the debit card. 

Two attempts to contact the phone number on the card and website only indicated that the card was expired. 

Is it legal to expire a card with less than 1 year from date of receipt? 

The card is issued by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX. Activation was by XXXX. 
Card number XXXX XXXX XXXX XXXX The card is a XXXX Debit. 
In the rear of the card, top left it indicates XX/XX/17
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app { block inc. } due to inadequate customer service and unfair practices, which violate the costumer financial act { CFPA } specifically, Cash App failed to take timely and effective action to prevent and address fraud on their platform. Leaving my account and personal information unprotected furthermore their dispute resolution process were unfair and deceptive as they did not comply with error resolution requirements. under the electronic funds transfer act { EFTA } and regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for Theas violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$200.00} XX/XX/2023 i dispute it and. They keep re opening ot
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to equifax about this issue 3 times now. 

There is an account on my credit report with them that has NO original creditor or collection agency name. They are also reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment THERE IS ALSO NO CREDITOR, COLLECTION AGENCY OR COMPANY TO CONACT TO REQUST ANY INFO! 

I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.