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

This email concerns the banks decision in the dispute I opened in XX/XX/XXXX, regarding the transaction of {$270.00} charged by XXXX XXXX XXXX XXXX A XXXX on XX/XX/XXXX. 
Im writing to you out of frustration of dealing with the banks transaction dispute department in regards of this transaction.. This merchant has been playing games for long time with unsuspected tourists and visitors because he thinks that can not get back to him just because they are from a different country. This merchant is a car rental company, and the transaction was intended to be an incidental authorization hold only for a pre-paid car rental. That authorization was supposed to drop off by itself after returning the car. 
Apparently, this merchant process those kind of transactions as a sale to keep the money for himself with no right to do so. Weve contacted the merchant multiple times and he lied and said that the transaction should be dropped and he has nothing to do, until he stopped answering our phones completely. 
Then I filed a dispute in XXXX, but didnt hear from Citi Bank until XXXX, asking me to provide a proof of return, or a credit slip. I tried to explain many times in writing and over the phone that the transaction does not involve any merchandise and thus there would be no credit slip, but no one is listening and apparently not reading my email, and they just repeat the same request of this proof of return. 
Its not fair that the bank just close the investigation this way, this is the last thing we would expect from the bank. We dont really know what kind of credit slip we could have from a car rental company that ran your card for incidental insurance. I want to ask every person in your department is s/he ever got a credit slip from XXXX, XXXX, XXXX or any car rental company in the world after returning the rented car. 
This merchant is 100 % dishonest, and we expected a stronger stance from Citi Bank, by instead of asking us an impossible and illogical request, it would ask the merchant why he charged this card, and what service, merchandise or anything he provided for this money. But unfortunately the bank is helping this merchant to get away with money he has no right to. 

Please note, we had the same exact problem, with the SAME merchant, for the exact same amount in XX/XX/XXXX. But at that time we thought it is just an innocent mistake, and after trying to contact the merchant multiple times, we sought the banks help. But now it is very obvious that the merchant is doing that systemically and deliberately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : CITY XXXX  : Account Number : XXXX Account Name : CITY SELECT : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Credit reporting or other personal consumer reports

While reviewing my most recent credit report ( s ), I noticed fraudulent inquiries that I do not notice nor did I authorize anyone to pull my credit report. The inquiries are as follows below PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES : XXXX : XXXX XXXX XXXX ( XXXX ) XXXX : XXXX XXXX ( XXXX ) XXXX : XXXX ( XXXX ) XXXX : XXXXXXXX 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 ) EQUIFAX : XXXX XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX ( XXXX ) EQUIFAX : XXXX XXXX ( XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX  ( XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX BANK ( XXXX ) EQUIFAX : XXXX XXXX ( XXXX ) EQUIFAX : XXXX XXXX BANK ( XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXXXXXX ) EQUIFAX : XXXX ( XXXX ) EQUIFAX : XXXX XXXXXXXX XXXX  ( XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ) Please validate information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681b ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased from American Express Travel 4 multi-city tickets from and back to XXXX XXXX XXXX with XXXX. I paid {$2200.00} for each ticket. We were to depart on XX/XX/XXXX, and to return on XX/XX/XXXX. Due to COVID-19-related travel restrictions, I canceled the tickets on XX/XX/XXXX. Starting in XXXX of XXXX, I have been calling AMEX XXXX and XXXX to inquire about a refund. XXXX would refer me back to AMEX because I had paid for my tickets to them and not to XXXX. In turn, AMEX told me that I should try to get a refund from XXXX because the airline had taken " ownership of the reservation ''. 
In XX/XX/XXXX I placed a dispute for the purchase price with AMEX, for which I received a credit. I was charged for the four tickets again in XX/XX/XXXX. A second dispute between XXXX and XX/XX/XXXX had the same result. 
In XX/XX/XXXX, I was able to speak to an AMEX Travel supervisor called XXXX. She got in contact with XXXX and told me that XXXX would issue the refund and that it would take up to 12 weeks to show up in my statement. A refund for two of the tickets appeared on my statement on XX/XX/XXXX. On or about XX/XX/XXXX ( about 15 weeks after I was told the refund could take up to 12 weeks ) I called AMEX again. The supervisor tried to get me to solve the situation with XXXX. I told him that we have already done that and that a partial refund had already been issued. My last communication with AMEX was via email. AMEX acknowledged that XXXX issued the refund but that there was no date for the credit to appear on my card. As of XX/XX/XXXX, AMEX has not refunded me.
Product: Credit reporting or other personal consumer reports

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Product: Mortgage

XX/XX/2016 my mortgage was sold by XXXX Bank to Chemical Bank. My XXXX XXXX payment went to XXXX who was to transfer to Chemical. In XX/XX/XXXX I made XXXX payments XX/XX/XXXX and XX/XX/XXXX to Chemical Bank. I received XXXX late notices from Chemical saying my XX/XX/XXXX payment was n't received. I made an additional payment over the phone XX/XX/XXXX to stop the threatening late pay notices ... 
I pay $ XXXX monthly which is more than my regular payment requires. The additional money is not recorded on my loan. No one from Chemical has been able to tell me why or where that money has gone. 
To date I have spoken to XXXX Chemical representatives beginning before XXXX. The first rep took my cell number and promised to look into my account and call back. Never heard from her. The next rep e mailed transaction history which confirmed no account of the curtailment. The remaining XXXX reps still could n't answer my questions and did n't seem to share in my concern about the whereabouts of the additional {$800.00} per month from my mortgage payments. All checks have been cashed ( see attached. )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was trying to get a pre approval to buy a new home, I discovered that XXXX ( The servicer of the loan ) had reported me late, IN FORBEARANCE, after I had paid off the loan. I had never missed a payment. I have called the company multiple times and they provided me with information confirming that I have never missed a payment and that I was in forbearance but they are unwilling to provide letterhead that this was their error ( an error that also violates the SAFE act ).
Product: Mortgage

My mortage was transferred from XXXX XXXX to SLS effective XX/XX/XXXX. During this time tax statements were being printed. I paid my taxes directly to the taxing authority and uploaded documents to the new servicer, SLS same day while on the phone speaking to a representative. The representative confirmed receipt of the documents and the system was updated to pay the XXXX  and XXXX  taxes the following year. When I logged into my account today the same taxes I paid on XX/XX/XXXX show paid again although the system was updated not to pay until the following year and a esrow analysis was completed with raised my mortage to were I will not be able to keep my home.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I have inquiries on my report that I didn't do and it got to be fraud I have on my XXXX I have 3 from from XXXX XXXXXXXX on dates XX/XX/XXXX and XXXX/XXXX and XX/XX/XXXX. I got another one from XXXX XXXXXXXX via dealer that date is XX/XX/XXXX. I have another one from XXXXXXXX XXXX on XX/XX/XXXX I have XXXX XXXX XXXX on. XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX. And XX/XX/XXXX. And from transunion I have XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and date XX/XX/XXXX and date XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX something call XXXX  on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I have recently discovered that I have been a victim of identity theft. I am writing this personal statement on my own behalf. My information was utilized to apply and or obtain for financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my account : XXXX XXXX XXXX. I am a victim and did not make these changes nor authorize this account to be opened. According to the provisions of the Fair Credit Reporting Act I am entitled to a formal investigation and update of my report. I am requesting this account be removed and a free copy of my report with this change be provided to me.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I began my search for a moving company to move me from XXXX  to XXXX. I was contacted by a XXXX XXXX who was said to be a representative of XXXX XXXX of FL. After speaking with him I felt safe in regards to the move. I was told that a deposit needed to be made of {$1100.00} in order to get the process started I made that payment on XX/XX/21. He then told me that my move would be between XXXX or XXXX and that a rep would reach out to confirm the amount of items. I was contacted on XXXX confirming the items. On Wednesday night at XXXX XXXX  XXXX left a VM asking to call them in regards to my move that was to happen. I called and once again the girl said the call was to confirm my move. I heard nothing until I called on XXXX that is when the lady said she left a VM telling me the movers pulled out on the entire route. She also stated that I would have to wait to see IF they would have another moving company sign a contract. She then told me to bare with them until Saturday and that they would call me .... I received no call on Saturday! I called back and the young lady apologized and told me to request an email. I emailed multiple times only to receive an email stating that I could not have a refund because I signed a contract! I had to drive XXXX miles back to XXXX  to place the things the moving company was supposed to pack away. This has left me with a negative account and all of my belongings in another state with no way to get them back or out. I called another rep and she kept apologizing saying that my account was updated and it said to not give me a refund! They took my money and never came to get my things or offered to send a crew another day they stole my account information. This company is also on the XXXX  website as fraud and my bank said that there was nothing they could do the first time. Now I am being asked to wait 10 day for a refund!
Product: Credit reporting or other personal consumer reports

I just recently looked at my Equifax credit report on XXXX XXXX. I saw some hard inquiries that did not have permissible purpose or authorization from me I also attached evidence. These inquiries have no permissible purpose to be on my credit report delete these inquiries due to violation of 15 USC 1681b 1. 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 or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 15 usc 1681 section 602 says there is a need to insure that the reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer right to privacy. The reporting agencXXXX XXXX XXXX XXXX XXXX  Experian and I am the consumer. I have the right to make sure my information stays private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates too. XXXX XXXX XXXX the financial institution and the consumer reporting agencies Experian, XXXX XXXX do not have my written consent or any permisson to furnish any information. Any and all consent to XXXX Experian and XXXX and XXXX XXXX XXXX  whether it be verbal, non-verbal, written or implied is now revoked. Also 15 USC 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a non-affiliated unless the consumer is given an explanation of how the consumer can exercise his right to that nondisclosure option. XXXX XXXX XXXX Never informed me of that right. Also 15 USC 1681 ( a ) ( 5 ) says " except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reports 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. This account is an adverse item that they are reporting again without my permission which is against the law. Lastly 15 USC 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX/XXXX  - XXXX