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

I was solicited through a credit report check, through XXXX, that I was pre-approved for a Capital One platinum Mastercard with an introductory limit of {$500.00}. I went ahead and applied, and was approved. In XXXX of XXXX, I received this card, with a lower limit of {$300.00}. I installed the app and had everything on my XXXX as well as my XXXX. I made no purchase for a month. I then made purchases and never received my statement, either online or by mail. Everytime I went to the website to access my account it said I wasn't able to access my account and had to use the app to verify my identity, when on the app it told me to go online or call the support number. After many attempts and 2 emails saying only that my bill was due, with the least amount owed being {$25.00}, I called the customer support number on the back of my card. I was never offerred nor could I reach a live person/agent to speak to. So, I went ahead and made my first monthly payment, and I believe around XXXX, after some other failed attempts at accessing my account, statement, speaking to support, and nothing in my mail, I finally gave up on trying to get this run-around to pay my balance. I assumed I would receive something in the mail, and my bank account was linked to this account, also, for payments. I never recieved any correspondence either through email ( an automated email monthly when tried to access was referred to app, didn't have access/locked out, no customer support other than a number to autoteleservices and payments ), or postal mail. I went to access my funds at the local grocery store in XX/XX/XXXX and was declined with an ending balance of less than {$300.00}, plus my payment. I was given no ability to pay other than automated payments with no account information or even receipt of payment. Now, of course, this card claims to have me in collections to which I have attempted a dispute. I had ability to pay but now I don't. I believe this was a scam to access my info, bank account numbers, and deny me a right to full disclosures and a fair accessible way to pay. It has negatively affected my credit, which was the point of opening a credit line to begin with, rebuilding my credit file. I am still as of XX/XX/XXXX trying to access this account and speak to capital one, not the collection company they sent my account to. Without 1 statement in the mail. Not 1 attempt to contact me at my address.
Product: Debt collection

I received an initial demand letter from State Collection Service dated XX/XX/2018. My husband contacted their agency the following week and spoke with a XXXX XXXX ( legal supervisor ). He asked if their agency was aware that the debt was disputed in the last 20 days with the previous agency she stated no and they were not made aware by either the previous collection agency or their client ( XXXX XXXX ). After discussing the account with XXXX XXXX for over 10 minutes my husband asked if she knew who she was speaking with and she stated XXXX. My husband explained to her that he was not XXXX and she continued to address my husband as XXXX four other instances. When asked if she was aware that she had violated third party disclosure laws by not verifying who she was speaking with, XXXX XXXX responded by saying she did and then stated that the agent who transferred the call told her that she had done it. My husband explained that no one asked who they were speaking with at any point and that she had released personal information relating to the debt and asked to be transferred to her manager. XXXX XXXX stated that would be XXXX XXXX but he would not take or return the call as we claimed there was an FDCPA violation. We requested that she go back to the call and review it for quality control to verify that she did violate third party laws but she stated their agency does not record any conversations. This is the second agency we have requested validation of debt from only to have no one return our calls or provide any documentation.
Product: Credit card or prepaid card

This letter concerns two disputes ( chargeback ) that I opened with the Citi Visa Card company against the merchant XXXX that sold us air tickets on XX/XX/XXXX ( the charge was {$1800.00} - Case XXXX ) and modified the outbound flights on XX/XX/XXXX for a fee ( the charge was {$30.00} - Case XXXX ). Both of these services we bought using the XXXX card were cancelled by the merchant ( and not by me! ). Hence we did not get the product/service we paid for. 

Examining the attached documents and the proof that they contain, you will easily conclude that this merchant ( XXXX ) has not provided the service/goods that we purchased. The XXXX company facilitates this theft instead of protecting us, their loyal customers. 

The first dispute ( Case XXXX ) : using our Citi Visa card ( paid {$1800.00} ), we bought plane tickets through XXXX on XXXX XXXX but XXXX after a while, XXXX canceled them. At this hour, our trip with XXXX XXXX sold to us by XXXX and that should contain 4 legs ( 4 flights ) contains only two legs, i.e., only the return flights ( and no outgoing flights ). The departure date is set for XX/XX/XXXX and there are no outbound flights because XXXX cancelled them. 

The second dispute ( Case XXXX ) : After XXXX announced us that our outgoing flights/tickets were not available any longer ( after months of having tickets issued in the system with the Turkish Airlines ), we used the Citi Visa again to re-instate the outgoing flights. We were charged {$30.00}. A few days later, XXXX canceled this last set of outgoing tickets also. 

While the first dispute is still opened, the second was closed by XXXX even before I had a chance to answer it. XXXX closed the second dispute on XX/XX/XXXX two days before I had a change to fax my response explaining the situation. 

I am afraid that XXXX will also close the first, more important dispute without carefully examining my documentation that shows the true facts. We bought services that HAVE NOT BEEN GIVEN TO US. Why should we pay for them?

All details are in the attached documents. Please review them carefully to see that we are right. All these documents were sent to XXXX, but as of today, anything ( any responses I sent them ) are not showing up in the online account. More than that, I contacted XXXX and requested repeatedly to be sent a letter that show the first dispute was opened and they refused, citing the fact that everything should be online. Well, the larger amount dispute is not listed online. NONE of my responses are attached to the added to the files online as they should be. 

I am attaching all the documentation that shows the chronological events. It is addressed to the XXXX investigator that is supposed to research these two disputes and arrive at a conclusion. 

Please help us get our honestly earned money back!
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above. Additionally, I have contacted the companies through a phone call, and they have confirmed the need for correction. 

Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove these information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I finalized a financing plan with Castle Credit Co Holdings, when I purchased a XXXX Vacuum Cleaner. Since then I have attempted to fix issues with the company but have been completely unsuccessful. Not only was an auto-pay never established as promised, due to that they are reporting my account being ( 30 ) days late on one occasion. I had already called them and spoke with a person in charge about this related to my auto-pay and was assured it was taken care of and would not affect my credit report. Now, they have a late payment on my credit files, which has lowered my FICO score by more than 100 points. In addition to having this issue with the company, they also illegally retrieved my husband, XXXX XXXX 's credit file. I never consented for them to pull his credit files, and he has placed a separate fraud action for that matter. He was not even present, and I was the only one doing  business with their company. I have this account solely in my name, and have a signed contract with my name and signature on it. My speculation is they preferred for him to be listed on the account with me, but that is not legal.
Product: Checking or savings account

So I made a purchase on the XXXX app for {$10.00} and the company doesn't accept cashapp cards. So I reached out about a refund on my pending transaction since I couldn't cancel. It's not Friday and still no money and no one to contact about my money.
Product: Debt collection

Hello, I have been receiving numerous calls from a phone number of XXXX and XXXX everyday stating they are calling from an arbritration firm that has an acct with my info assigned to it from XXXX parish court ruling, stating that I owe Ace Cash pay day loan from 2018 for a total of {$980.00}. They were very aggressive and wanted my debit card info to settle the debt. They gave the names of XXXX XXXX and XXXX XXXX XXXX XXXX. I tried to call the first number back but it automatically hangs up. I tried to call the 2nd number and they answered stating my full name. They claim that they are calling from XXXX XXXX but I XXXX  the numbers and they come up as a landline to a residence in XXXX, La which has a different area code. They offered to email me some info regarding the judgement that they have against me but I never received anything. They reported to me an old address that I used to have, the last 4 digits of my SSN and my date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND EQUIFAX PROVING SUCH. XXXX  AND EQUIFAX KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.
Product: Credit card or prepaid card

I have been a credit card customer of Citi for many years. When attempting to make a payment this month, I encountered issues accessing my account. I contacted Citi " customer service '' in an attempt to resolve the issue and be able to access my account. Every agent I spoke with, 4 in total, was completely unhelpful and kept passing me to the next when I voiced my displeasure about their inability to provide assistance. They kept trying to have me make a payment, despite my insistence that I need to be able to access my account before paying them. The final agent, in the fraud department, kept cutting me off and was unable to provide me with appropriate tracking information about my new card being sent ( needed so that I could actually access my account ). He stated that tracking information would be emailed to the email address that I had " previously confirmed ''. I informed him that no one had confirmed my email address and that I wanted to verify that they had the correct one. He informed me that he would review the call logs to see if I had verified it on the phone. When I asked to just go ahead and verify it with me then, he disconnected the call. After nearly an hour of being bounced around on the phone, I have no idea if my issue has been resolved or if they are simply dismissing my problems and complaints without resolution while expecting me to blindly pay them. Completely unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting laws. These list of companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, they reported inaccuurate information and then updated inaccurate information to their liking without removal. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Equifax Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX acct XXXX XXXX XXXX Department of Education XXXX XXXX XXXX, XXXX, TX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx, XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX acct # XXXX U.S Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I AM XXXX XXXX. BANK OF AMERICA REFUSES SERVICE AT THE BRANCH TO ASSIST ME WITH MY ACCOUNT. I AM NOW TURNED TO THE ONLINE ACCOUNT WHERE I HAVE TO ENTER ACCOUNT NUMBER THAT I DO NOT SEE. THE ONLINE SERVICE HANGS UP REPEATEDLY. 

THERE IS NO ASSISTANCE TO ME, A LEGALLY XXXX PERSON, AS PROVIDED UNDER THE AMERICANS WITH DISABILITIES ACT TITLE 3 EFFECTIVE COMMUNICATION AS WELL AS THE CIVIL RIGHTS ACT OF 1963.

I AM SO FRUSTRATED.

THE BANK OF AMERICA WEBSITE IS NOT COMPLIANT WITH AMERICANS WITH DISABILITIES ACT AS IT DOES NOT PROVIDE A MECHANISM TO BYPASS POP-UP SCREENS AND I HAVE TO LOCATE THE CLOSE BUTTON ; THEIR WEBSITE DOES NOT PROVIDE AN ALTERNATE METHOD OF NAVIGATION TO INCLUDE USE OF THE TAB KEY, OR ALTERNATE BACKGROUND, IMAGES HAVE NO DESCRIPTION TAGS, THERE IS NO WAY TO INCREASE AND DECREASE THE FONT
Product: Credit card or prepaid card

I had XXXX, XXXX and XXXX stolen from my XXXX  debit card and I cant get XXXX  to return my money to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, XXXX, and TransUnion Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.
Product: Debt collection

I went to an emergency room and paid the {$150.00} required along with my insurance. I only found out that they had put something in to collections when looking at my Credit report. I received no phone call or letter with the itemized bill, which of course they should n't have been XXXX seems my insurance paid for it. 

They have no number for debt collection or disputes of billing. I refuse to pay it considering I have no written letter or email or agreement to pay any bill. My insurance would have covered it. 

Thank you.
Product: Credit card

Care Credit care charged {$600.00} in interest multiple times, have charged the account over the limit, absolutely no way to pay it off, abuse by creditor
Product: Credit card or prepaid card

I had a United Airlines charge to dispute with Chase back in XX/XX/2020. The Chase website said that I had to email " XXXX '' to dispute, due to the high volume of COVID-19 related disputes. Here is a copy of the email I sent that address : " On Monday XXXX XXXX I attempted to purchase a ticket on the United Airlines website with my XXXX XXXX XXXX XXXX, and received and Error message " XXXX can not process at this time, try again later '' or something like that. 

I thought my card choice may have been wrong so I attempted to purchase the same flight again with my Chase card : XXXX. I received the same error code. I checked my email a few seconds later and receipts for both tickets arrived in my inbox. 

I used the ticket from the original purchase with confirmation number : : XXXX, assuming that the error is obvious since I would not purchase two tickets for myself for the same flight path. 

At the United ticket counter the attendants verbally promised to give me a " corporate refund '' since it was the mistake of the United website. After I noticed that neither purchase refunded, I contacted the United refund department and explained the situation, they denied my refund and chance to appeal. 

Please help me dispute the charge for this Chase card purchase, confirmation number : XXXX. I would not have purchased this flight unless the United website told me to try again. 

Thank you, XXXX XXXX " END OF EMAIL At this point I have not received any response from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/2022. I told the credit bureaus they were reporting inaccurate & incomplete information on the accounts I have listed below. Also I have attached all of the letters I've sent out. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or e-mail in a fraudulent account. 

Also according to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX & US DEPT OF EDUCATION XXXX
Product: Debt collection

I am in receipt of Common Wealth Financial 's letter informing me that they are handling the collection of the account # XXXX for {$2000.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Common Wealth Financial & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Common Wealth Financial claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Common Wealth Financial continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in Common Wealth Financial letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. Common Wealth Financial has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting

I filed a dispute with Equifax on XXXX/XXXX/2015 regarding the balance date Equifax is reporting for a short sale we had with XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. The house sold and closed XX/XX/XXXX. My husband and I were denied credit because of Equifax reporting the date for XXXX as XXXX. XXXX reported the date as XXXX. I submitted the XXXX paperwork showing the XXXX date and submitted additional paperwork to explain the dispute. Equifax responded to the dispute on XX/XX/XXXX saying XXXX is reporting the date correctly, however, instead of correcting the XXXX date to XXXX, Equifax updated the date XX/XX/XXXX!!! On XX/XX/XXXX I receive an Equifax alert showing my credit score was dropped by XXXX points from XXXX XXXX as of XXXX XXXX to XXXX XXXX as of XXXX ) due to information changing on my report. Because Equifax changed the date for XXXX to this month, it appears that our short sale just occured a few days ago instead of 4 years go which is why our credit score was impacted. I called Equifax today and talked to a rep and her supervisor. I was informed that a dispute will negatively affect my credit score and I have to " wait until things settle down and it goes back up ''. The XXXX rep said they can not change the date showing for XXXX or restore my score because " they have no control over it '' even though I have paperwork showing the correct information. I asked the Equifax rep and the supervisor to provide me a copy of my credit report from XX/XX/XXXX to XX/XX/XXXX so I can see what changed to affect my score this way. XXXX said they can not do that. On the Equifax website, the latest credit information I can see is through XX/XX/XXXX. The XXXX is the ONLY negative information against my report and NOTHING has changed from XX/XX/XXXX including no additional debt, etc so there is NO reason for my credit score to drop XXXX points in a week! As a consumer, I should be able to dispute inaccurate information being reported against me and it should not negatively affect my credit score. I understood that credit reporting agencies have a responsibility to correct inaccurate information especially if the consumer is being denied credit or refused preferred rates because of the incorrect information. I am filing a formal complaint against Equifax for refusing to correct inaccurate data even with documentation and with XXXX agreement the correct date is XXXX. I am also filing a formal complaint for Equifax dropping my credit score because I filed a dispute to get the data correct. I want this resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX and XX/XX/ credit inquiries, along with ( 2 ) {$5.00} transactions in XXXX and XX/XX/ in my bank account. I had called and emailed them and I got no response