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

On XX/XX/2022, I manually paid my credit card balance on-line. The payment was also auto -paid on the same date, resulting in a double payment of the same amount ( {$7900.00} ). Subsequently, when I realized what had happened I assumed that the over-payment would be used to cover my next purchases made with my credit card. This was not done, as I realized in the next billing cycle when my balance was unaffected by the residual money. I called the company and informed them, and was told by their customer service representative that the amount of {$7900.00} would be refunded back to my bank account in 2-3 business days. I was given the case # of XXXX. I waited two weeks of no refund being given and then called the credit card company again. They told me that the case was " in process '' and could not tell me how long it would take to be resolved. They told me to call back in a week if there was no resolution. After 2 weeks of still no refund, I called again on XX/XX/XXXX, was told that I needed to speak to someone in the dispute department which was closed, and was told to call the next day during business hours. The next day, I spoke to XXXX XXXX XXXX, XXXX # XXXX, who assured me repeatedly that she would e-mail me a response to the dispute in 24-48 hours from then. That never happened. On XXXX XXXX, I again called the credit card company and requested to speak to a supervisor. The supervisor, who told me only her first name, XXXX, said that disputes are not addressed until up to two billing cycles from the time that the case was opened. This seemed ridiculous to me for something that was obvious ; the double payment appears on my billing statement as well as a withdrawal from the company from my checking account. I asked XXXX to escalate the issue and let me speak to someone higher ranking, and she hung up on me.
Product: Credit reporting or other personal consumer reports

The information provided above has not been verified and may not meet reporting standards. I insist that any incorrect or unsupported data be removed. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 

attached you will see documents
Product: Credit reporting or other personal consumer reports

I have diligently followed the established dispute process, providing evidence of the fraudulent nature of these items, such as police reports, affidavits, and any other relevant documents. However, despite these efforts, the fraudulent entries remain unchanged on my credit report.

I wish to bring to your attention the following concerns : The presence of these fraudulent items has not only affected my credit score but has also led to potential identity theft concerns. This poses a serious threat to my financial well-being and personal security.

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ensure the accuracy and privacy of the information they report. It is evident that the fraudulent items on my credit report are a clear violation of this mandate.

It appears that the credit bureau has not conducted a thorough investigation into my disputes. I urge you to initiate a comprehensive and detailed review of the fraudulent entries, promptly taking corrective actions as required by law. 

I kindly request your immediate attention to this matter and a swift resolution to remove the fraudulent items from my credit report. Please provide information on the steps being taken to investigate and correct this issue. 

I expect a written response within 30 days, as required by the FCRA, outlining the results of your investigation and the actions taken to rectify the fraudulent entries. Failure to address this issue within the specified timeframe will compel me to escalate this matter further through legal channels. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately : XXXX XXXX XXXX XXXX XXXX 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 card

We have been in discussion with members from your office CITIBANK CREDIT CARD for the last few months. We have been trying to get the remaining balance on cancelled hotel reservation. We have been getting the run around from your office and the office of the XXXX XXXX life vacation rentals. 
Your office has stated that the merchant XXXX XXXX life vacation rentals has denied the cancellation and we you were not put back the remaining {$910.00} all the original rental deposit.. We have been in communication with the merchant, and they tell us that they were charged back the entire amount all the reservation deposit. Please see e-mail thread attached to this e-mail. We are in enclosing the documentation regarding the cancellation of the booking and an e-mail stating that they were charged back the funds and can not refund us any funds because they are being held Citibank. 
We are trying to get an understanding as to who is holding the funds. Are they being held by XXXX XXXX life vacation rentals or my Citibank credit card company. Kindly provide documentation as to why Citibank is not wrongfully holding the money. 
We would like to resolve this matter amicably and continue to use the Citibank credit card.

If I do not receive a response from Citibank, I will turn this over to my attorney so that we may recover the funds. In state of Florida, we are entitled to treble damages and attorneys fees.

Please credit us the remaining charge of {$910.00}.
Product: Credit card or prepaid card

We were sent a XXXX XXXX by Cash App under my husband 's name and address. My husband has never used the Cash App and never requested any such credit or debit card. We suspect fraud by either the company or someone else who is using my husband 's identity. Cash App is only available via email for customer service and has continued to miss the point of our concerns. They have not addressed the issue of apparent fraud or explained what happened here for our peace of mind and understanding. Additionally, it is not possible to reach the XXXXXXXX XXXX  XXXX XXXX listed on the card. Is is very alarming to receive a card with your name on it that you had nothing to do with and we are getting very little help or reassurance from Cash App and Square, Inc. in regard to this matter. The company seems to have very poor safety and security measures in place and does very little to assist customers.
Product: Checking or savings account

I've been filling complaint after compliant since XX/XX/2020 and now it's a couple of days before XXXX and I'm still struggling to put food on the table no XXXX for my family, at least we could have a few cans of beans and spam anything. But not with this bank. There the ultimate XXXX! XXXX even better yet!!! I've been waiting for responses from them for fraudulent charges no response just put me in the wrong never questioned me about anything just made Exclusive and Executive actions on my behalf? Okay so you're working with the fraudsters? 
I'm broken up during this pandemic but the banks have to survive even if that means unarmed robberies from their own customers. I'm really to hungry and way tired of this. Please someone help me please.
Product: Credit reporting or other personal consumer reports

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX XXXX  account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( XXXX ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.
Product: Debt collection

I bought a car from Carvana and was wrongfully terminated from my employment a couple of months later ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and eventually could not afford to make payments on the vehicle, registration TX license plate XXXX. I am no longer in possession of the vehicle but my credit report shows that I am in the amount due. Texas Asset Gatherings ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) said that they were going to tow the vehicle from my old address for repossession on XX/XX/XXXX via email. I tried to contact the company on XX/XX/XXXX after seeing no change on my credit report and the company no longer has a website, the phone has been disconnected, and email was returned. I made a complaint with the XXXX to try to resolve the issue and get proof of repossession to report to the credit bureaus. Since not knowing where the vehicle is I called to report the vehicle stolen and talked to XXXX. XXXX ( badge number XXXX ) with the XXXX XXXX XXXX XXXX XXXX around XXXX on XX/XX/XXXX ( ref. XXXX ) who told me that a stolen vehicle is " a civil matter ''.
Product: Debt collection

In XXXX of 2020 we signed up for solar panels thru XXXX XXXX. They told us that the panels would produce 60 % of the energy that was needed and we wouldnt have a light bill greater than XXXX $ a month since they have been installed they have not worked the way we were told that it should and the system has been tore up the majority of the time. The system caused a roof leak on our home that we had to file with our insurance company. Since then XXXX  has filed for bankruptcy. Then a company called XXXX XXXX took over and they also went bankrupt. Now we are dealing with sunlight financial. I called them in XXXX and informed them the system still was not performing adequately and I have not heard from them since they have yet to come and look at the system. Our light bills are over XXXX a month and the solar panels are just as much and I cant keep paying for a system that doesnt work as promised. And also now that the company has filed bankruptcy its up to us to pay to have the system fixed. But to my understanding the equipment is still under warranty.
Product: Mortgage

Hello, Pennymac Mortgage currently holds my mortgage ( which I refinanced in XXXX and then Pennymac subsequently purchased ). They call me constantly to refinance again. I called them in XX/XX/XXXX to have them remove me from their list. They assured me they would stop calling me about refinancing ( and while I was on the phone with them, they tried to sell me a refinance again ). They typically call me 5-6 times per week. Please help. 

Thanks, XXXX
Product: Checking or savings account

In XX/XX/, Citizens Bank acquired customer accounts from XXXX. By checking, credit card and line of credit accounts were migrated to Citizens Banks. In addition, Citizens Bank covert my line of credit into an overdraft protection account, which is now jointly tied to my checking account, The contact information for these transferred accounts was not correctly handled, and my checking account went past due 30 days with a statement, phone, or email. As a result, this account was charged off. I made a payment to settle the charge-off in XXXX. However, the more significant concern is since my separate line of credit has been tied to the checking account as overdraft protection, I no longer have access to my line of credit or the ability to make payments. There are no local Citizen bank branches in the state of Georgia. Therefore, I can not fulfill charges to the account ; the line credit account I originally had is no longer available. I contacted XXXX, the original owner of these accounts. They provided me copies of the last two statements before my funds were transferred to citizens bankthe statements clearly detail that these two accounts were wholly separate and had different account numbers. In addition, Citizen provided me with a line of credit checkbook, which deposited a check that was returned due to unverified account numbers, that I had to throw away. I need this overdraft account to convert back to the original format of the report I previously owned at XXXX I had for over 17 years, immediately. I provided documentation of previous accounts in question for their review. Citizen Bank has yet to respond to my XXXX  complaint, which has been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the week of XX/XX/ 2019, I contacted the credit inquiry companies that had no authorization to inquire, with little success. 

In XX/XX/, 2019, I contacted credit reporting agencies to remove the unauthorized inquiries to no avail. No unauthorized inquiries were removed.
Product: Student loan

I am currently unemployed and sought to ask for Lowering of my students Loans. Incidentally XXXX ( Navient ) gave my 6 different students Loans each with with Higher Interest Rates to the tune of 15 %, 12 % and 11 %. Navient has categorically refused to Consolidate my six different Loans over the years and thus has proceeded to deny me any chance of lowering my student debt. My students are Private student Loans and Navient has over the years refused to enroll me in any program and subsequently led me to file for Bankruptcy Chapter XXXX last year ; with only student Loans as my only Debtors. The Judge in the Bankruptcy case advised me to drop the Bankruptcy case since my debtors were mainly only Navient and I dropped it. I then asked Navient for a lowering of my monthly payment since I am unemployed and they refused. They rather kept calling my home and threatening me and after further threatening me to report late payments to my the Credit Bureaus ( which incidentally will adversely affect my ability to procure a Job ) ; I borrowed money to pay them last month and this month the whole scenario begins again. I need HELP to let me pay the amount I can afford to Navient before they destroy my credit history. I want to be in a program that will prevent adverse reports on my credit reports. My Account Number for Navient is XXXX. Loan Group Number : XXXX. Loan ID - XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPBs lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
XXXX 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX A Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect terms on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

Before I was the victim of identity theft with XXXX 's appliances. I had, maintained, and successfully paid off an account without incurring any late charges. 

TransUnion and XXXX are reporting to other XXXX 's accounts that bear the same account information as the initial account that I was responsible for financially. Except the accounts that they are reporting have {$4700.00} balances associated with them. 

I disputed the validity and accuracy of the XXXX derogatory XXXX 's accounts and instead of TransUnion deleting the derogatory entries, it elected to delete the account that was in good standing and positively impacts the credit report that TransUnion has compiled and paired with the social security number that was assigned to me. 

TransUnion has also chosen to retaliate against me by deleting other positive entries that was listed in the consumer report that it compiled causing the score that I diligently work hard to maintain to drop from XXXX to XXXX. This retaliatory tactic of deleting information that I am not disputing or information that I requested be reversed and not deleted is being deleted without just cause. 

I called several times and sent TransUnion and XXXX several letters explaining to them what my name is, what my address is, and who my employer is, but the XXXX entities insist on listing inaccurate and erroneous information without divulging who their respective sources are. 

I am not being allowed to communicate with a representative at TransUnion or XXXX over the phone because it has been relayed to me that my actual information doesn't match the information that they received from their respective customers or creditors. 

I am being denied access to dispute any information online as well. 

TransUnion has not responded to my dispute letters which validates my name and address. The only changes that it has chosen to make are deletions of positive account information which threatens my economic stability, is defamation of my character, and places me in a state of economic duress and undue financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is inaccurately reporting the balance on my Capital One Spark card.