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

This letter is a formal dispute for a charge on my account for the amount of {$320.00}. I should not be held responsible for these charges because I never received the services from the merchant XXXX XXXX XXXX / XXXX. I paid for the package on XXXX and I attempted on many occasions to contact the merchant to make my vacation package reservations and ultimately to cancel my services without success. As of today, I still have not heard back from the vendor. When I booked my package, the merchant promised to make it easy and convenient to book my travel dates and to make my vacation the very best it can be. At this point, based on my experience with the merchants customer service and given the fact that I was never able to get through to a reservation agent, I prefer not to do any business with them at all. I am requesting that you please investigate the situation as soon as possible and that the charges of {$320.00} and finance charges related to the disputed amount be credited to my account Please be aware that whether I cancelled or not, when I called the merchant to get my services, they were evading me. Enclosed are copies of documentation supporting my position and the terrible and unprofessional experience with this merchant. Last update XXXX XXXX, 2017, Citibank claimed that they mailed me documentation from the merchant which I never received. They asked me to go online and check the letter that was in my electronic correspondence and I did, unfortunately, the letter had a due date of XX/XX/XXXX. I do n't think it is fair that this merchant get paid for services that were not provided. As of today, X/XX/2017, I have not received services from the merchant or the documentation for me to review. I reaffirm that I did not receive any service from the merchant. I am also confirming that the merchant is unwilling to provide the service.
Product: Debt collection

I have been battling XXXX for 2 years while caring for a baby as a single mother. Unfortunately I got behind on my bills and one bill  collector located in XXXX - XXXX, XXXX and XXXX ( XXXX XXXX XXXX, XXXX, MD XXXX ) has been especially aggressive and nasty in pursuit of collections. On Tuesday THIS WEEK -- in the MIDDLE OF THIS CRISIS I was purchasing groceries at the grocery store and my card declined. This collection firm emptied my bank account to - {$11000.00} in the middle of a crisis. I do not work and the money they collected was my XXXX payment. They did not leave me with a single penny. NOTHING to purchase essential food items for me or my child. They have since attached my bank account. No money for food and basic necessities, no access to the {$750.00} I had to care for myself and my child. HELP! I am still on XXXX for XXXX. I have never heard of such an unkind form of behavior in my life. I am very afraid for me and my child 's well-being. I do not know if you will get this message or be able to offer help, but it would be so appreciated. I am afraid and I feel attacked by this company during a VERY stressful time in my life where I am afraid for my health and life.
Product: Debt collection

I called the law office of Arnold Scott Harris located In XXXX II on XX/XX/XXXX to inquire about phone calls I had received. The girl told me I had a " ticket '' for resisting arrest and another ticket from XX/XX/XXXX for speeding. She asked how would I like to pay the fine and I told her I was unable to at this time. She then went on to say there 's a hold on my licence ( which is not true because I just renewed it XX/XX/XXXX ) She then went on to say that I would be taken to court and " XXXX county will put a judgement against me.
Product: Credit reporting or other personal consumer reports

The information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) I DONT RECOGNIZE
Product: Credit reporting, credit repair services, or other personal consumer reports

We made timely electronic payments through XXXX XXXX Mortgage Companys website. They were posted timely on our XXXX XXXX Account. They have repeatedly charged us late fees and reported that we were 30 days late in XX/XX/2021 causing our FICO to drop over 50 points. 
We reached out to them and tried to resolve this issue. The sent a letter claiming they are correct. We sent them, Experian and XXXX  a copy of our XXXX XXXX statement showing we have consistently paid timely. They still have not fixed their errors. They also have numerous complaints against them on XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, 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. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter requesting investigation of inaccurate accounts that were listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter addressing that. I still haven't received a response and it's been 5 months!!
Product: Credit card

I opened an account with Bank of America ( Acct no. XXXX ) approximately XXXX  years ago. Several years ago I requested the account be closed. 

Never heard from Bank of America again until last week when I received a statement for {$82.00} ( see attached ). I called and was advised my account was past due. I advised the person on the phone that the account had been closed several years ago and I have not charged anything on the account since then. The account representative acknowledged that form what he could see that it had been at least a year since there has been any activity on the account. Apparently, he could not see past that. 

Based on this the account representative agreed to close the account ( which I had already done several years ago ) and to waive the amount due. 

A day later I check my credit score using my bank ( XXXX XXXX XXXX XXXX ) app and it showed my score at XXXX. 

A few days later I applied for a loan and was advised that Bank of America had reported my account as being past due which damaged my score dramatically. I checked my score again with XXXX and it was down to XXXX. Of course this is going to cost me thousands of dollars in interest for me to obtain a new loan since I can not obtain the same interest rate now. 

Apparently, the balance due was from an annual fee. I called Bank of America today and the only history I could obtain was that following showed up on my account history- XXXX XXXX, {$1.00} interest charge adjustment ; XX/XX/XXXX, {$1.00} " " XX/XX/XXXX, {$1.00} " " XX/XX/XXXX, {$1.00} " " XX/XX/XXXX, {$79.00} Annual Fee XX/XX/XXXX, {$79.00} " " Could not obtain what years this was from Bank of America had no right to report to the bureau as this account had been closed and should remove this form my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  opened on XX/XX/XXXX {$3000.00} XXXX  XXXX opened on XX/XX/XXXX {$3100.00} The creditors above are falsely reporting accounts that were opened without my consent or knowledge.This is a case of identity theft and a clear violation of my rights under the Fair Credit Act Section 609 ( a ). I have already filed an identity theft report as well as a complaint with the XXXX XXXX XXXX  and identity theft gov and I demand this account be removed immediately from my XXXX, Transunion, and XXXX credit report or I will pursue legal action.
Product: Checking or savings account

First off, the app is n't working for capital one. Everytime I try to access it i do the pattern that I set up and it acts like it 's getting me in but never does. It always brings me right back our, I tryour using my passocde instead, it brings me right back to the pattern. The app just sucks. So I 'm like okay, let 's do this online. So I go online, and every time I try to access my account it says that there is a error and to try again later. I 'm seconds away from applying to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I requested the credit bureaus do a verification of a few account for accuracy. They completed their investigation with the companies in question ad stated all information was verified and accurate. i decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. 
In accordance with the FCRA, these creditors listed below has violated my rights under 15 U.S.C 1681 sec 602A. states I have the right to privacy 15 U.S.C 1681 sec604 A sec 2. States a consumer reporting agency can not furnish an account without written consent 15 U.S.C 1681 sec 623. All data must XXXX % accurate and verifiable XXXX XXXX  # XXXX XXXX XXXX  # XXXX
Product: Debt collection

All collections have been paid and being reported on days which make no sense. Believed to be victim of cyber hacking or attack, identity theft since XXXX. XXXX was contacted. Reference number is there. Nothing is changing!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXXXXXX
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. 

XXXX XXXX XXXX : # XXXX, XXXX : XXXX, XXXX  : XXXX, XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX  XXXX, XXXX XXXX : 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: Prepaid card

I had XXXX stolen from my bank account, it got stolen within XXXX XXXX hours all from XXXX and XXXX XXXX charges, clearly fraud. Upon calling my bank they told me to submit a claim. The claim got denied weeks later and they told me to submit a dispute. They took 90 days to respond to me just to tell me that they dont have anything to do with it and to call XXXX instead. Upon calling XXXX i got told the charges were too made a long time ago so they cant refund and they couldnt do anything about it and to contact my bank. They both gave me the run around I am a injuried XXXX XXXX and living check to check and this set me behind in paying my bills and over charges and my entire life fell behind because of this. It is unfair a hard working veteran gets treated like this. I bank with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of the disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.
Product: Credit reporting or other personal consumer reports

Sent documents to the XXXX XXXX XXXX of Experian to remove all information pursuant to : 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card

Since XX/XX/XXXX, I have been working to secure reimbursement for the non-refundable portion of two XXXX XXXXs one way tickets ( XXXX XXXX ) due to a canceled trip resulting from a car accident and a XXXX XXXX. Despite promptly submitting all requested documents, Chase Sapphire Reserves claims process has been fraught with repetitive, ineffective responses, causing significant frustration.

Timeline and Issues Encountered : 1. Initial Submission on XX/XX/XXXX : I uploaded all supporting documents to address the original list of seven requested items.

2. Follow-up Submission on XX/XX/XXXX : After receiving an automated response requesting missing items, I re-sent all relevant documents, covering every item in the initial request.

3. Third Submission on XX/XX/XXXX : Once again, I re-supplied the documents in response to yet another automated request that merely removed one item from the list, disregarding my previous submissions.

Each time, I received a machine-generated reply that dropped one item from the list without any acknowledgment of my actual submissions. This pattern of removing one request at a time while sending identical responses reflects a disregard for handling my claim efficiently.

4. Contact with XXXX on XX/XX/XXXX : Frustrated by this recurring cycle, I called Chase on XX/XX/XXXX and spoke with XXXX. She confirmed that my documents were in the system and even added a note in my file indicating that I had submitted everything requested. I asked her to clarify exactly what was missing, if anything, or to connect me to someone who could. She advised me that her note will help resolve the issues.

5. Contact with XXXX on XX/XX/XXXX : On XX/XX/XXXX, after receiving the exact same request for documents, I contacted Chase again and spoke with XXXX. She informed me that the adjuster claimed to have attempted to reach me earlier that morning, though I assured her no such call was received. XXXX tried to connect me with an adjuster to discuss the specifics of my claim, but her request was denied, and I was told to continue the same loop of re-uploading documents. She confirmed there was no further escalation option.

Summary of Concerns : Through these interactions, it has become clear that Chases process for handling my claim lacks transparency, accountability, and responsiveness. By the seventh or eighth submission, it seems Chase may finally remove all requested items, yet I suspect the loop will simply restart with the same original list.

This approach leaves the impression that Chases XXXX XXXX claim process may be designed to wear down legitimate claims to a point where customers are forced to abandon them. This lack of meaningful response and excessive repetition does not reflect good faith or respect for long-time customers seeking assistance with valid claims.
Product: Debt collection

I pulled my credit file about 4 months ago and notice that AMERICAN COLLECTION WAS reporting a fraudulent account on my files. I requested for verification and validation of the alleged debt. They never replied back. I sent them a second request, but to no avail. They continue to call my home at all times of the hour making threats that i can be arrested. This is not my debt!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that PENTAGON FEDERAL XXXX have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both PENTAGON FEDERAL XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a )  ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$76.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX ( Original Creditor : ) XXXX Balance : {$84.00} XXXX XX/XX/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
Product: Checking or savings account

in late XXXX I mailed a check to my mortgage company. It was stolen out of the mailbox or out of the mail service. About XX/XX/XXXX, someone attempted to cash a modified version of the check. BofA and I closed the checking account and opened a new one. 
On XX/XX/XXXX I visited the local bank because my SS was deposited in the old account. We transfered the money to my new account. I have printout that shows I had a balance of {$5900.00} that morning. Sometime that morning B of A froze my account because of " suspicious activity ''. I was left with {$4.00} in my pocket and online automatic payments scheduled. I suffered {$140.00} in penalties in NSF charges because of their actions. 
The suspicious activity was a $ XXXX.+ check that my business partner attempted to deposit in my account. The check was drawn on a bank in Missouri and made out in her name. She modified the check, which made it an improper instrument, not an illegal one. The bank had every right to refuse to process the check. 
B of A made no attempt to notify me of the issue and capriciously and arbitrarily close the account. 
I received a statement XX/XX/XXXX that evidently is my closing statement. It shows on page 1 of 6 in the  summary an amount of {$8400.00} as other subtractions. This is broken down on page 4 of 6, It shows an item RETURN ITEM CHARGEBACK {$2000.00} and another item as ACCOUNT CLOSING TRANSACTION {$4300.00}. 
B of A does furnish an explanation of these charges. I find it difficult to believe that I can be charged {$6300.00} to close an account. I would appreciate an explanation why my money can not be returned to me.