23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ;
Product: Credit card

I was in XXXX in XX/XX/XXXX and I bought the below boat rides, taxis and tours from XXXX XXXX XXXX XXXX  for {$230.00} on XX/XX/XXXX. 

1. Boat ride from pier to XXXX XXXX - 20 minute boat ride ( completed but took us to the wrong pier / opposite side of the island ) 2. One-Day 3 island tour - service not provided/ they never showed up 3. XXXX XXXX to XXXX XXXX XXXX Speedboat- service not provided/ they never showed up XXXX. XXXX XXXX XXXX to XXXX ( Ferry  ) - service not provided/ they never showed up XXXX. XXXX XXXX to Airport- service not provided/ they never showed up The company started by taking us to the wrong island, so we had to find another boat to get to where we needed to go to and didn't get there until nearly XXXX. Then, the tour company messaged us saying we needed to come back at XXXX to find new times because his drivers/boat people aren't available. We said no and that it was already XXXX and we're not getting up early to go and revise all this and he needs to honor the times we agreed to. We told him if he doesn't do this, we need our money back and he said no. 

The next morning, the tour company never showed up and neither did anyone else for the other tours/ ferries ( items 2 - 5 ). 

I first disputed the transaction on XX/XX/XXXX with Apple Card support received a rejection / denial on XX/XX/XXXX saying " The merchant charged you the same amount that you intended to and did pay for your purchase '' I refiled the same day, and on XXXX I was told " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I refiled again and on XX/XX/XXXX was told " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I have repeatedly provided Apple the entire XXXX XXXX where the tour company is telling us they can't deliver on the tours we purchased, a map of showing where they dropped us off and where we should of been, plus a long 13 point email of detailing everything that happened. They did not show up for any of this, and all Apple Card has done is provide copies of the receipts that the tour company provided them- which I already have.
Product: Credit reporting or other personal consumer reports

After completing my XXXX XXXX from XXXX University in XXXX, I elected to refinance my student loans the following year in XX/XX/XXXX. The loan consolidation process was completed by Nelnet, the data furnisher and federal student loan servicer assigned to my manage my loan accounts. After completing the consolidation process with the XXXX XXXX XXXX, I received multiple letters from Nelnet confirming the completion of my student loan consolidation totaling the lump sum of {$210000.00}. 
Following the completion of the consolidation loan, Nelnet began reporting the {$210000.00} consolidation loan as two separate loan accounts on my consumer credit profile, one loan in the amount of {$30000.00} representing the subsidized portion of the debt and a second loan in the amount of {$180000.00} representing the unsubsidized portion of debt. From the loan origination date in XX/XX/XXXX to XX/XX/XXXX ( 17 months ), Nelnet was reporting my student loan debt of {$210000.00} as XXXX separate loans. 

However in XX/XX/XXXX, Nelnet discontinued reporting the debt as two loans as indicated above and began reporting the debt as one loan. Nelnet executed this reporting change by deleting all records of the {$180000.00} loan from my consumer credit reports and subsequently reported the deleted loan as a balance increase of the {$30000.00} subsidized loan account. Despite having the knowledge that the loan had an established XXXX account history by XX/XX/XXXX, Nelnet made XXXX effort to address the reporting inaccuracies inherent to the reporting change. Nelnet knowingly implemented changes to the reporting of my student loans that created material inaccuracies to my credit profile. As of the date of this complaint, there is no record of my student my {$180000.00} loan debt from XX/XX/XXXX XX/XX/XXXX. From a risk perspective, reporting my student loan debt as a {$30000.00} installment loan established in XX/XX/XXXX that increased to {$210000.00} in XX/XX/XXXX in not only falsely representing the loan history, but it also inaccurately presents me as a higher risk consumer, falsely representing that I have incurred significant new debt in the past 12 months. As a consumer, I have a right to dispute incomplete and inaccurate information on my credit reports and yet, when I disputed these obvious inaccuracies, Nelnet and the CRAs failed to act as required by law. 

It is my hope that filing this complaint will result in swift resolution of this matter by a complete updating of my student loan account. Thank you for your prompt attention to this matter to ensure that my credit profile is accurate.
Product: Money transfer, virtual currency, or money service

Ingo completed and approved my check threw my XXXX  card app and has tried multiple times to fund my account and XXXX  hasn't giving me the funds for the voided check
Product: Checking or savings account

on XX/XX/XXXX some one hacked my account at chase and used it to make a payment to XXXX XXXX credit card in the amount of XXXX. When i called chase about this, they said it's past 60 days and that i needed to check my statements often and that i need to call XXXX XXXX. When i called XXXX XXXX, they said nothing to do with them, call Chase. So i have been on the phone with chase bank fraud team, managers, i don't even know how many people already since Friday XX/XX/XXXX and nothing has been done, i thing this is a bit crazy that my bank, who i have been using for XXXX know how many years, with 7 accounts, will not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018 and Pentagon FCU. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from XXXX XXXX and Pentagon FCU.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, had violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The information listed is incorrect and needs to be removed or corrected as per your obligation under this law. 

XXXX. Incorrect Name : Listed Name : XXXX, XXXX, XXXX Correct Name : XXXX XXXX XXXX XXXX. Outdated Addresses : Listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Outdated ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Outdated ) Correct Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to Section 609 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The incorrect name and outdated addresses listed in my file do not accurately reflect my current or historical information and need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since 2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.
Product: Debt collection

Called me, my daughter and my husband trying to reach me. Called me twice in15 minutes. Called them back. Was asking questions when this supposed lawyer said dont talk over me. Told me I was on a recorded line to which I said I didnt care. He said see you in court and hung up on me. Tried calling today. Told me my file was sealed and wouldnt give ma any information on this supposed debt. Said since I was disrespectful that he wasnt going to tell me. Again said well see you in court
Product: Prepaid card

I have an American Express XXXX XXXX with {$41.00} on it still. I am trying to use it online but it keeps declining. The card is advertised as something that can be used anywhere as long as it has enough money on it. They simply say to use it elsewhere until it works but I dont want to do that.
Product: Credit reporting or other personal consumer reports

Paid off my XXXX card in XXXX, My statement cut XX/XX/XXXX. It is now XX/XX/XXXX and the card is still reporting as open and 97 % UTI when the card is paid off and has been since XXXX. I have called, disputed with the credit card bureaus and filled a XXXX report. A correction was made to one credit bureaus, but the other XXXX ( XXXX, Equifax ) have not. I have denied a home loan and a car loan due to the XXXX for this card pushing my income over the limit. I have called and emailed and got no response from the company. I need help with this issue getting my credit fixed.
Product: Credit card

I purchased reading materials from XXXX on XXXX previously. Somehow I got subscribed to this 'online service '. I do not know what this service is nor have any need for any services. All I wanted was to purchased were the reading materials. I got an unexpected charge today for {$23.00}. I want this charge cancelled/refunded. There should be more notifications of an automatic charge. I did not utilize any online service from this company.
Product: Credit reporting

I tried to cash my WV XXXX tax refund ( {$97.00} ) at XXXX on XXXX/XXXX/16 at XXXX. I received a notice that my check was declined by Certegy. When I called the number on the receipt, I received a recording that it was nothing I did wrong and that I should take my check to a non Certegy retailer. Then the call just ended. I was not given an option to speak to anybody. It did this at least 6 times. Finally, I googled Certegy to get a number. I spoke with XXXX ( Rep ID # XXXX ). I asked why it was declined and she refused to tell me. She said that she could not give me that information because I was not the owner of the account. She also said the WV Tax Dept. needed to call them to verify the check before they could clear me out of their system. I called the WV Tax Dept. After being on hold for almost TWO HOURS, I was told that there is nothing wrong with the check and that Certegy has declined almost all refund checks from the State of WV this year. The Tax Dept. says they will not call because they have had SO many reports of this happening that they just do not have time or enough staff to call on each and every check. I have never written a check so I know that I have no bad checks outstanding. I do not have a bank account, can not afford to open XXXX and should not have to do so. Certegy is refusing to okay my transaction without telling me why. It just seems like a huge run around - the merchant says it is Certegy 's fault, Certegy says it is the Tax Dept 's fault and the Tax Dept says it is Certegy. I just want my money as I do n't make much and really need it. This is unfair for Certegy to decline transactions without giving me a reason or making it appear that I have done something wrong. If it is nothing I 've done, and it is a government check that is valid, they have no reason to decline the transaction. In addition, getting any information on why it was declined or how to fix it has been a nightmare. Certegy should not be allowed to commit fraud in the name of " fraud protection ''. While on the phone, they offered to sign me up for a free " VIP '' service that will monitor my credit report. I have never had a credit card and have no reason to have a service like that. I believe Certegy is declining my check in order to enroll me in a service that I will end up paying for in some fashion. Please make them stop this!!! I have no idea who else to call or how else to fix this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I recently applied for a Diamond Preferred credit card with Citi bank. The reason for applying was for the promotional balance transfer offer of no interest for 18 months. I read through all the fine print in my disclosure provided with the credit card as well as the disclosures when I applied for the card. There is no where in the disclosures that prohibit balance transfers from one citi card to another, however when I called to complete my balance transfer the MSR stated they could not do it from one Citi card to another Citi card. In addition, the MSR openly admitted that this restriction is not in the disclosures. Per Regulation Z, promotional offers and restrictions should be listed in the disclosure and they were not, which is misleading and deceptive according to UDAAP. In addition, this has caused a negative impact on my credit since I would not have applied for this card if this restriction was evident.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : AMERICAN CREDIT ACCEPT XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210000.00} ), XXXX XXXX & XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} ), XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$100.00} ) XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} ), XXXX XXXX Account # : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$28000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$20000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

The debit in question was paid directly to XXXX XXXX in the amount of {$730.00}. XXXX XXXX advised me that they will advise Caine & Weiner that the debit was paid in full and that they will have to remove their information from all applicable credit reporting agencies. Called Caine & Weiner on XX/XX/22 and was advised that they are not required to remove the debit from the agencies. I called back and spoke to another person and was advised that they will remove the information however they only report to the agencies on the 15th of every month and will sent info to the applicable agencies to remove the info. I called Caine and Weiner today and was advised something totally different XXXX XXXX that the cases are sent to the agencies at the end of the month. Caine & Weiner is dragging their feet and need to remove the information immediately.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX  : Chapter XXXX bankruptcydischarged Reference # XXXX
Product: Debt collection

I had a fraudulent purchase on my discover card at XXXX. I filed police reports and the police indicated that I was scammed through a known scam. I provided this information to discover card and informed them I was not paying the fraudulent charges. I provided a follow up letter when they refused to stop harassing me. I sent this letter asking them to stop contacting me by return receipt certified mail, return signature receipt, in XX/XX/2018. I received the return receipt showing they signed for the letter on XX/XX/2018. Discover card agents have called me repeatedly since that time. I mailed another letter to them telling them not to contact me. This was also sent by certified mail, signature required.
Product: Debt collection

XXXX XXXX University returned Student Loan Money to lender after classes were taken, despite this student satisfying credit requirements for fulltime status. They then provided me with a bill that they stated could be paid with student loan funds from future disbursements. XXXX XXXX then stated that this practice is no longer allowed by the government. XXXX XXXX then sent account to collections. Collections service was asked on XXXX XXXX to validate debt and did not do so within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiries inwhich keep being reported on my credit report by the credit agencies inwhich has not given me any substantial documentation of such doing. I'm very aware of what an inquire is and how they get there inwhich seems to be the only response from the credit agencies. The knowledge of what an inquiry is. My next step is to file suit against the 3 credit report agencies for harassment if the following inquiries remain without physical verification. I'm requesting the following to be blocked from my credit report, XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )