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

I am a long time Chase Sapphire Preferred card member with excellent credit. I purchased a trip using XXXX prior to the COVID pandemic for my husband and I. Due to a lack of babysitter, we changed our days of the trip, moving it to 2021. As soon as COVID hit, I was contacted that all trips were canceled automatically and XXXX had shut down. I was advised to go through my credit card for a refund. I have now tried this XXXX times and I keep getting denied- told the charge is valid. I expect my credit card to help protect against nonsense like this. My business is worth it. I was never offered an alternative, like taking a train check out credit in the future. I also checked with the resort, XXXX XXXX XXXX XXXX, and they were not paid. We will never be able to take this trip and our money was stolen! 
I have an email that states that XXXX  refunded the money. Not sure if this is true or not, but if they did, where is it? Please help me. All documents with dates, proof and prices attached. 

Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XX/XX/XXXX XXXX ( ACCOUNT # XXXX ) XX/XX/XXXX( # XXXXXX/XX/XXXX ( # XXXX ) XXXX ( ACCOUNT # XXXX ) 15 U.S.C. 1681i ( 7 ) - Description o

f Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information. 15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information co
uld be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter.

Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I paid the statement balance on time in full ontime I want the additional money they charged me over the product purchase price. 

Then the company sent me a notice saying it was late I've been called in again and the guy said he was going to waive the late fee and I would pay the statement balance and he told me how to put it on auto pay. 

There's only ever been one purchase on the card, it was already supposed to have been paid off once and then they waived the fee after they mistakenly said that it was late and then paid it off again. 

Now I keep getting text messages now saying I got a {$120.00} bill for the same thing it's already been settled twice, then they said they'll wave the late fee and charge me {$89.00} Then I was like wait a minute what are you talking about this original purchase at this store was just {$22.00} and change and already paid in full. 

The fact that they already had my payment information is the evidence that I never was late. Each conversation we talked about paying the entire statement balance and each time they would just send a new bill, then I would call back and they would say that they're waving the late fee and going to pay the statement balance and the one time they did charge me was for {$35.00} which is not what we spoke about it was supposed to be the purchase price of the product. 

I want my account closed down and I want any additional money that I paid over the purchase price for the product back. 

When they had sent the last two notices, after it had already been settled twice I tried to call the phone number on the credit card and the number just had this answering machine message saying their phones were down and this was for two different calls over the course of a month during XXXX mostly This company is very deceitful and should be closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid Experian for their three bureau monitoring service. 

Since XXXX of 2020 Experian has not provided three bureau updates. I called in XXXX, I called today and a refund was denied. They could not update the reports manually and refused the refund back to XXXX. They keep billing me but do not provide the reports as advertised.
Product: Money transfer, virtual currency, or money service

Zelle when it first started in 2017, didnt take the proper precautions when it was released and a lot of fraudlent inquiries happened
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX we contracted XXXX XXXX to replace two of our HVAC units. The job was assigned to the contractor XXXX XXXX XXXX. The installation was completed on XX/XX/XXXX and financed by Enerbank, Loan # XXXX. At the time of sale the contractor offered us " Satisfaction Guarantee ' '' which allows us to request a full refund back. We've being having issues with contractors job. Specifically the units are not operating properly and the Contractor failed to schedule the XXXX State Required Inspection. On XX/XX/XXXX we started a dispute on the charge paid by EnerBank to the contractor on my behalf. The dispute was for aforementioned reasons. As a consumer I never agreed to purchased inoperable units, and definitely I will not accept any un-permited work, by the State of XXXX, on my Property. The Contractor agreed to refund XXXX from the original loan which was XXXX. The XXXX $ where paid back to Enerbank on XX/XX/XXXX. The remaining balance is still under dispute. I am filling this complaint against Enerbank because : 1 ) Enerbank is trying to charge me interest while we still have an open dispute on this charge. 
2 ) Enerbank failed to send me a notice which 30 days, acknowledging the Dispute we started on XX/XX/XXXX 3 ) Enerbank failed to resolve the dispute with two billing cycles required by law. 
An acceptable resolution for this case is for Enerbank to collect the remaining funds paid to the vendor because the contractor failed complete the job successfully.
Product: Debt collection

continued attempt to collect the debt which is not mine, also hitting using various sources in different names, heading and hitting my credit history via credit reporting agency.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information regarding a bankruptcy on my credit report. On XX/XX/year> and XXXX XXXX, I previously disputed Lexisnexis, XXXX, XXXX, XXXX, and in response, they verified the item as accurate, stating that they had verified the information with the court. 

However, I recently contacted the court and received the response that is enclosed with this letter. As you can see, the court does not report to them, or any credit bureau, which means that your original response verifying the item with the court was either an error or a lie. 

The reporting of this record does not comply with FCRA 611 ( 15 U.S.C.

1681I ). Therefore, they must immediately delete this unverified record from my credit report. 

Their non-compliance with my request will also be construed as an absolute disregard of my consumer rights and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I am sending this letter on my behalf, and XXXX XXXX XXXX XXXX XXXX XXXX included a copy of my ID to verify my identity.
Product: Debt collection

I filed XXXX complaints with CFPB regarding a Fraudulent charge of XXXX XXXXXXXX not made on my phone or computer, and without my knowledge or consent, but was allowed by Bank of America who did not call me to confirm if the transactions were made by me. In the past Bank of America denied a transaction to a XXXX XXXX causing me to call them to verify that it was a legitimate transaction. This time BofA failed to contact me to verify the legitimacy of the " Fraudulent '' transaction mentioned on my below mentioned complaints on : ( CFPB Complaint numbers # XXXXXXXX XXXX XXXX XXXXXXXX ) Instead Bank of America approved XXXX Fraudulent Transaction and during the CFPB investigation, BofA transferred the Fraudulent XXXX XXXX debt BofA to XXXX XXXX XXXX  XXXX XXXX XXXX. 

On XX/XX/2022, I spoke with " XXXX '' at XXXX XXXX Bank because I received several " Hang Up Calls '' from them as per Caller ID. I also received a collection letter from them date XX/XX/2022, attempting to collect the fraudulent debt BofA transferred to them during CFPB investigation as per the aforesaid complaint numbers. Please note that " I texted several messages to XXXX XXXXXXXX XXXX '' to the telephone number reflected on my " Caller ID '', to include pictures of the CFPB Complaint numbers, explaining the fraud situation asking them to cease and desists collection activities and to contact CFPB and provided your office telephone number. 

When trying to explain what occurred to XXXX, he stated that they were not Bank of America at which time I explained about the Fraudulent debt and that I texted information regarding the fraudulent charges and that they should contact BofA and CFPB to corroborate my statement. I asked him to document what was stated during our phone conversation and for XXXX to ask his management what to do about the Fraud BofA sent them. XXXX then said that he would transfer me to their fraud unit but I informed him to document our conversation and that I had already texted that information and to contact XXXX and your office ( CFPB ) and culminated contact. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On the morning of the  XXXX   XXXX  I realize my debit card was not in my possession. On my way to work I stopped at citi bank branch on  XXXX   XXXX   XXXX   XXXX ,  XXXX  to request that they cancel my card and issue me a replacement card but I was n't able to recieve one at the location due to their machine being down as I was told. So I visited a bear by branch on  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX  to request a replacement card also. But unfortunately the machine was down also at the branch so I after speaking with the representative I decided to recieve my new card in the mail. Later on the evening I get a email from citi bank in regard to a few transactions citi bank considered to be fraud activity and to contact them immediately if those transactions were not mines. At that point I 'm so confuse because I thought that card was canceled. So after speaking with someone from  Citi ba nk dispute department they explain to me the someone use my card in  XXXX   XXXX  then I was told they would credit my account the money that was taken. The next day I recieve a call from a  investigator with question about my claim and if someone had knew my 4 digit pin and would I get a police report if needed. Long story short the denied my claim 3 times and every 3 times they ask for me to provide additional information to help with the investigation in my favor including the police report I got after the first two claims! This is my fourth claim I open with them about this matter and no one at Citi bank have yet to tell me how was my card used when it was suppose to be blocked and canceled. Citi bank continue to use the fact that my pin was use to make these transitions as a justifiable way to deny my claim I 'm not sure how that person got my card or pin or even who it even might be. Citi bank refuse to take responsibility for not blocking my card when I requested them to do so earlier that afternoon before these transaction happen and each time the I 'm given the run around as if they hope I just give up but I will conitue to fight and hope  that you guys will join me in this fight!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I sent Equifax all of the required documents, per FCRA, on XX/XX/2023 to report the identity theft on several items reporting on my credit report via Certified Mail. According to the tracking information XXXX, the documents were picked up by an individual on XX/XX/2023 at XXXX. I called Equifax on XX/XX/2023 because I had not heard back and still don't have access to my account, per my last complaint. I spoke with XXXX, who escalated me to a supervisor, XXXX. He informed me they haven't received my documents, despite there being proof of delivery. As of today, XX/XX/2023, I still do not have access to my account or my credit report and it is preventing me from using valuable credit monitoring services, and my identity theft issues have not been addressed or resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX bill from 2014 that was last active in XXXX 2014 and then XXXX closed it and it went to collections with Jefferson Capital Systems. Despite the fact that the Federal Statute of Limitations is 2 years on cell phone bills and the Minnesota statute of limitations is 6 years this is still on my report going into 7 years now. I have disputed it with XXXX, XXXX and XXXX and they keep turning it down for taking it off my report which I think is a violation of the fair credit reporting act.
Product: Checking or savings account

From XXXX 2014, without notification, Citibank started charging me {$25.00} bank fee per month on my checking account. According to laws and regulations, a bank should give a customer a written notification 30 days before the bank increases fees or changes terms. I did n't receive written notification from Citibank regarding this fee increment. I contacted Citibank several times for a copy of the written notification if they sent me one, but they could n't provide to me. I file this complaint to request a copy of the written notification, the date and address that the notification was mailed, and any evidence showing the written notification was delivered to me.
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 items 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 items : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX  : {$0.00}, XXXX XXXX XXXX  : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX # XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX COLLECTIONS IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX - XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i as an account manager on the account opened by my wife with whom I separated in XXXX XXXX XXXX is the individual who opened a XXXX XXXX XXXX XXXX card and a XXXX XXXX XXXX card. I was added as an authorized user at one point. In XXXX I removed myself off the two accounts. I was advised by XXXX XXXX credit Bureau department that I was no longer on the account and that I was not responsible for the debt as an authorized user, and since I was removed from the account and no longer an authorized user not responsible for the debt. I filed for divorce in XXXX. The account was not paid on by XXXX the account is past due and despite being past due since XXXX on both accounts XXXX XXXX is reporting incorrectly that I am the individual on the XXXX XXXX XXXX XXXX XXXX and delinquent on my credit report. I have called four more times and been told they are not reporting to the bureaus as I am not on the account nor responsible for the debt. Experian has reported fraudulently I am past due on an account I am not on not responsible for
Product: Debt collection

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will conduct a verification process with the creditor responsible for posting this information. I kindly ask you to delete any data that the creditor fails to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

Experian has the following inquiries I want removed Immediately. 

XXXX XXXX XXXX/XXXX/22 Experian XXXX XXXX XX/XX/22 A paystub and passport have been uploaded with complaint for ID purposes.
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 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my TransUnion 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: Payday loan, title loan, or personal loan

Im trying to connect my bank account to XXXX XXXX apps but the bank is not giving the app to access it because of plaid
Product: Mortgage

Last year, PennyMac 's third-party payment processing company XXXX XXXX failed to distribute my tax payment to my county before XX/XX/XXXX. This meant that I could not claim my XXXX Veterans Property Tax Credit for Wisconsin in that year. This was also in violation of my " Wisconsin Tax Option '' election that required PennyMac pay the taxes before the end of the year. The tax option means that the State of Wisconsin allows me to select how Pennymac will pray real estate taxes since my loan is escrowed. The option I selected states, " Pennymac will pay the property taxes directly to the tax collector by XX/XX/XXXX. '' When I went to confirm this, the options are greyed out because it can not be changed between XXXX and XXXX. However, even the option indicated by that page shows that " pennymac will disburse the annual property taxes via check, payable to both the borrower and the local tax collector by XX/XX/XXXX. '' Regardless, this year, I contacted PennyMac in XXXX, before the required date, to remind them to pay the taxes before the end of the year. Although PennyMac " released '' the payment from my escrow on XX/XX/XXXX, once again, XXXX XXXX failed to process the payment on time. My county did not receive payment until XX/XX/XXXX, with a check dated XX/XX/XXXX. This again violates my tax option agreement with PennyMac in which they promise to make payment directly to the county before XX/XX/XXXX -- not to XXXX XXXX. Now, for the second year in a row, I have to wait to claim my property tax rebate until the following year, leaving me without access to the {$6300.00} that I was planning on receiving with my tax return for another 12 months. This places me in a serious financial burden over the next 12 months, as I was counting on that money having done my due diligence. I attempted to resolve this issue last year, I contacted PennyMac again this year, and it still failed to get fixed. PennyMac has left me in a financial lurch because their bureaucracy and third-party dealings have failed to honor the agreement of my " tax option '' as stipulated by the state of Wisconsin.
Product: Debt or credit management

Hello, Tally ( XXXXtally.XXXX  ) was an app that was supposed to consolidate debt, manage credit cards, and save money on interest. 

The business closed down and sold the account to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ), who has since failed to provide any info on account setup, apparent balance, interest rates, etc. I can't even find a website. Their customer service email bounces back an automated message with no effort at resolution. 

I went from using a credit card management service to having an inaccessible account with a balance that will likely be reported to credit bureaus with inaccurate info.