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

I emailed XXXX XXXX on XX/XX/XXXX to cancel my XX/XX/XXXX vacation booked with XXXX. I received a response on XX/XX/XXXX stating the I would receive {$1400.00} on my credit card. I asked when I would be receive the refund and was told XXXX said to allow 4-6 weeks for the refund. 
I called Bank of America o XX/XX/XXXX regarding a charge of {$1400.00} for a XX/XX/XXXX vacation that I cancelled on XX/XX/XXXX. The travel agent told me that I would be refunded {$1400.00} on my credit card but due to a high volume of cancellations, it could take 4 to 6 weeks. Due to the failure of XXXX and other companies this was alarming to me. I called my credit card company ( BOA ) and shared this information with them and they said they would investigate and that they have 30 days to do so. I asked if they would need a copy of the email and they said yes, however I could not forward the email to them until they sent me an update of their investigation which could be 4 weeks. This is very frustrating because the email could resolve the issue and save days of them investigating. My niece whom I was scheduled to travel with called her credit card company, XXXX with the exact same information and they gave her a provisional credit the same day. 
Please help me with this issues. I have had many refunds over the years to a credit card and it has never taken more than 10 business days. It has been about 4 weeks and no refund to date.
Product: Credit reporting, credit repair services, 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. 
XXXXXXXX XXXX XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

Experian & XXXX XXXX is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that XXXX XXXX is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and Equifax Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. There is definitely an error with their part. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Debt collection

The account is with XXXX XXXX had been sent to Steven bus collection co. Amount that was owed was {$450.00} .paid off Contacted the collection company and said it had been taken care of. This happened in 2011. Still keep showing up on my credit report thought it would be taken off by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$150.00} XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX {$1300.00}
Product: Mortgage

We were notified in XXXX that we were in danger of facing foreclosure and that we had to act on the Act 91 Notice that they forwarded to us on XX/XX/2018. We contacted XXXX XXXX XXXX to help us complete a HEMAP application and complete the Hardship Package we were sent. Since then with the assistance of XXXX, HUD/FHA and NACA we have submitted 5 Hardship Applications all of which except for the very last one submitted yesterday have be summarily rejected for one flaw or another. We have been served Foreclosure Notice and are afraid that while we are in the process of waiting for a response from the Mortgage Company regarding our latest RMA/Hardship Application that our house will be sold out from under us.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for failing to conduct a reasonable investigation into inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Experian via XXXX certified mail tracking # XXXX. In this letter, I requested an investigation into several inaccurate items on my credit report and also disputed incorrect personal information listed on my credit report. 
To facilitate the verification process, I included copies of my photo ID, social security card, and a recent bill with my current address. 
I received a response from Experian dated XX/XX/year> stating the following : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. By failing to investigate my dispute, Experian appears to have violated my consumer rights under the FCRA.
Product: Credit card or prepaid card

CAPITAL ONE BUSINESS XXXX XXXX : Granted approval on XX/XX/2022 Sent card out. I activated card. XXXX  XXXX  credit card by capital one. 
Then by XX/XX/2022 they closed the card. And ruined my credit. My credit dropped by XXXX points. Put cancelled by grantor on my credit report for all to see. 

So basically I just applied for a card to ruin my credit. I lost and lost. I had nothing to ever win. Did not get card but lost XXXX points and have a inquiry? WHO WOULD SIGN UP TO DO THAT. 
Asked to remove XXXX. They refused?
Product: Vehicle loan or lease

I leased a new XXXX XXXX through Hyundai Motor Finance ( Hyundai Capital America ) from a dealership in Pennsylvania, and am investigating my options to trade in the leased car at another manufacturer 's dealership. Part of the information I need when negotiating is an accurate payoff amount for my lease. I called Hyundai Motor Finance at XXXX to request this number, but was told by a floor supervisor in the Texas call center that they are not licensed in Pennsylvania to sell a lease vehicle to the leasee, only to a dealership. This part I understand. What I do n't understand is that she then told me that it is both Hyundai policy, and they are not allowed by law, to give the payoff amount to the leasee, but can only give that value to a licensed dealership. This puts me at the disadvantage of trusting a dealership that they have given me the correct payoff. I believe that even though I may not be able to buyout the lease myself, I should be able to learn the payoff for my own lease. I was told that if I wanted more legal information I should contact their legal department. I asked to speak to her supervisor but was told that none was available, and that he would call me back within " 72 business hours '' which I understood to be 9 business days. This is apparently happening to everyone in Pennsylvania that leases a XXXX from Hyundai Motor Finance who want 's to know their payoff. Are they correct that I have no right to this information about my own lease?
Product: Debt collection

At XXXX I received a call from CAINE & WEINER XXXX He said XXXX I said who this? Caller stated this is an attempt to collect a debt any information will be used for that matter. He then says he is calling regards to a progressive bill. I tell him you cant call this early it is before XXXX. He argued me telling me it is after XXXX XXXX where I am it is XXXX, he know because he is in Texas XXXX XXXX  ahead and it is XXXX do lie. I told him I am located in Nevada, with a Nevada area code. He stated the file says Colorado. Informed him we are also suppose to look at a number for the area code before calling and I said I already had told you were out of time frame. I told him I should report him. He then told me I wouldnt do and I quote XXXX. This call was extremely unprofessional. 

He never verified who I was before divulging information. 
He used foul language. 
He called outside of calling hours on a personal cellphone. 
Never stated who he was calling from in the beginning of the call. 
According to caller id, number that called me was CAINE & WEINER XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  never responded to my dispute from several letters mailout back in XX/XX/XXXX and XX/XX/XXXX and place the account in collections and I disputed it then and never got no response from XXXX XXXX  all ways the run around some one going to call back. I call XXXX XXXX over 45 times and got no response from them what so ever. I updated my mailing address at the post office with no response from XXXX XXXX  and the post office can verfify change of address.I have/ had a right to dispute XXXX XXXX XXXX and I'm in the process of hiring an attorney regarding the situation by XXXX XXXX
Product: Money transfer, virtual currency, or money service

Tram filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 and financial loss, and seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I took out an loan with Bay Country Finance and I don't think that I should be given the loan because I am still making car payments with my car company. I have fell back on my car payments because I am trying to pay off this title which they keep applying interest to and they are not very understanding. They are ripping people off.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021sent a dispute letter to Trans Union. I have yet to hear from them saying if they even received the letter. It will be 30 days on Tuesday. According to the fair credit reporting act a bureau has 30 days to investigate a dispute letter. I demand that this company does their job!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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

-- - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : Chex Systems Inc. 
Customer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to formally request a correction of inaccurate personal information on my ChexSystems Consumer Report : Consumer ID XXXX, and I wish for it to be updated in compliance with the XXXX XXXX reporting standards. Below is the information that needs to be corrected : Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

**REMOVE THIS INFORMATION FROM MY REPORT** **Incorrect Information** -Address ( s ) : XXXX XXXX XXXX XXXX, CA XXXX -Phone Number : ( XXXX ) XXXX -Name ( s ) : XXXX XXXX **REMOVE THIS INFORMATION FROM MY REPORT** **Correct Information** -Address ( s ) : XXXX XXXX XXXX XXXX, CA XXXX -Phone Number ( s ) : ( XXXX XXXX XXXX XXXXName ( s ) : XXXX XXXX XXXX I have enclosed the following documents to verify my identity and confirm the accurate information : - A copy of my government-issued ID ( e.g., drivers license, passport ) - A copy of a utility bill or bank statement showing my correct address - A copy of my Social Security card - FTC Identity Theft Report Please update the incorrect information on my credit report to reflect these changes as soon as possible. Kindly confirm receipt of this letter and notify me once the requested corrections have been made. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect the investigation and resolution of this matter to occur within 30 days of receipt of this request. Please ensure that the updates are made using the XXXX XXXX format to ensure consistency across all credit reporting systems. 

If you require further information or have any questions, feel free to contact me at the phone number or email listed above. 

Thank you for your attention to this matter. I look forward to your prompt action in correcting the errors. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX **Enclosures : ** - Copy of government-issued Passport - Proof of address ( Utility Bill & Bank Statement ) - Social Security Card - FTC Identity Theft Report -- -
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$67000.00} XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$5600.00} XXXX XXXX XXXXXXXX Balance Owed : $ {$940.00} XXXX XXXX XXXXXXXX XXXX Owed : $ {$660.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XXXXXXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$69000.00} XXXX XXXX XXXX **** Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$6600.00}
Product: Debt collection

SOURCE RECVB acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Transunion to have the information removed from my credit report or have it displayed as paid closed. This information is incorrect because it says derogatory when it was discharged in bankruptcy. 
I submitted the complaint XX/XX/2018
Product: Mortgage

My taxes were not paid for XXXX XXXX  and now my XXXX taxes are due. I emailed to their tax department XXXX multiple times with a copy of my tax bill. I have tried calling every number they have and can't get a person. My Cooper Loans also didn't pay my Homeowners two years in a row so it was cancelled twice and I had to get that resolved. I need my taxes paid, I have over XXXX in escrow and don't feel I should have to pay my taxes when they are holding my money.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I contacted CashNetUSA about my complaint regarding the annual percentage rate and the bi-weekly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting a closed account on my credit report. The account was closed in XXXX  of last year but Im still receiving late payments for XX/XX/2021. I tried to dispute this information but it keeps showing up again and again. This drops my credit score by 20 points every time!
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA sent a letter dated XXXX XXXX XXXX XXXX.Threatened to take me to county court house small claims court in 10 days if I did not pay it. I sent him a letter that I do not owe the debt it was paid.I called the company several years ago. The debt was XXXX They said I do not owe moneyXXXX