23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently purchased two flights for my husband and myself to go visit a dentist in North Carolina to replace his bridge using my Capital One credit card. I did that as to get the reward points and this is the first time Ive used it for airfare. A week before we were supposed to leave my husband had a XXXX. He was only in the hospital a couple of days, but the doctor said that he should not travel for a while due to the air pressure in the cabins the next day I called Capital One to cancel or reschedule the flights I had booked they told me I did not qualify for cancellation. They would not give me my money back. They would not let me reschedule the flights and the girl basically came right out and said you need to use it or lose it. I immediately burst into tears and canceled all three of my Capital One cards. How inhumane we have no choice. I just cant believe they got away with over {$800.00} of our money. We are both senior citizens and retired. However, my husband is working to help supplement our fixed income right now. 
Please tell me there is something I can do. This is such a huge setback for us. My Social Security number is XXXX. My name is XXXX XXXX and the credit card I used was a Capital One credit card issued by XXXX and the card number is XXXX The transaction was made on XX/XX/XXXX two tickets at a value of {$420.00}. Please call me if you have any information to help me XXXX.
Product: Credit reporting or other personal consumer reports

While I was reviewing my most recent credit report, I noticed several inaccuracies on one of the reported accounts. This account is hurting my ability to rent a decent apartment for me and my family. Its my understanding that the credit bureaus will investigate this account on my behalf to ensure that it is accurate. Here is the account I am asking you to verify for accuracy Name : XXXX XXXX XXXX Account Number XXXX I appreciate your attention to this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to assert my formal dispute concerning the dissemination of inaccurate information to XXXX, subsequently appearing on my credit report. The impugned information pertains to an individual bearing the identical name, XXXX XXXX. It is imperative to elucidate that this association does not accurately correspond to my legal identity, and I unequivocally disavow any affiliation with the appellation XXXX XXXX. My disavowal is substantiated through the rigorous verification of my legal identity via official documents, including, but not limited to, my valid driver 's license, unimpeachable birth certificate, and authenticated social security card. These irrefutable documents collectively corroborate my legal nomenclature as not being XXXX XXXX. This egregious inconsistency contravenes the stipulations of the Fair Credit Reporting Act ( FCRA ). 
The erroneous entries subject to this dispute are delineated as follows : Account Name : XXXX XXXX Account Number : XXXX Pursuant to the FCRA, and more specifically 15 U.S. Code 1681e, it is unequivocally enunciated that " no person shall ... 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 '' ( 15 U.S.C. 1681e ( e ) ). It is palpable that the information concomitant to the aforementioned accounts is patently inaccurate and manifestly incongruent with my authentic financial profile. 
I stand prepared and willing to facilitate the prompt resolution of this grievance by providing verification of my identity through a secure and established channel. However, I must emphatically assert my reluctance to disseminate, electronically or otherwise, confidential documents containing my personal identity due to well-founded concerns regarding privacy and information security. This issue carries considerable gravity as it has given rise to an onerous predicament in which my credit report accommodates extraneous entries that hold no nexus with my financial history. This incongruity has precipitated not only severe pecuniary ramifications but has also precipitated impediments in securing approvals for essential financial endeavors, notably my aspiration to procure a residence. 
It is incumbent upon me to accentuate that should the aforesaid discrepancy persist unabated, I shall be compelled to assert my rights as a consumer with resolute determination. I am fully cognizant of the statutory prerogatives that enshrine my entitlement to an accurate and unblemished credit report, and I shall not hesitate to avail myself of the remedies and recourses at my disposal.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds 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 repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

i had an equity line of credit from citizens my mortgage was from citizens one. 
my line of credit was for XXXX of which i spent XXXX and had a credit limit of XXXX when i refinanced with another bank they not only took my XXXX away without my permission they assesed me a charge of XXXX
Product: Checking or savings account

I opened an account on XX/XX/2018 and the bank representative XXXX XXXX ( XXXX XXXX XXXX ) was easy to work with. I explained my situation as a XXXX  person, who was at the age of XXXX diagnosed with XXXX, and I was looking for another banking option. I chose Bank of America and opened a checking account on XX/XX/2018 and it was the wrong choice. Today, only one day later after having to take time out of my day yesterday as a XXXX person - I was told that my account was closed, and they refuse to say why. Once I entered the branch today ( XX/XX/2018 ) I was NOT greeted in a friendly way -- I told the bank representative XXXX XXXX my situation - he called a number that told him the same thing I was told : " They can't say why they closed my account '' but to call back on my Monday, and they would " mail me my check '' back. I demanded the money but he refused, so I left the building. The fact that the bank can not in good faith indicate why they denied me, and a refusal to do so violates federal law ( I have an NMLS # ), and I am familiar with consumer reporting. I have a clean XXXX report, and they refuse to indicate anything as to " WHY " they closed my account. Bank of America and this branches employees clearly have no issue violating my rights to a consumer report. Keep in mind my account was open, approved, and then the very next day denied and closed for NO reason and they can not say why nor will they give me my money back when requested. I know I being redundant but this is illegal. Please investigate! Demand answers and if needed ( which I believe it is ) send CFPB employees to interview these egregious consumer violations! I will be happy to speak with any of the authorities to provide a detailed account of what occurred. Thank You!
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE. 

XXXX. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XX/XX/2023 WHICH MEANS THE DEBTS 240 PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

XXXX. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.
Product: Checking or savings account

Recently, I tried logging into my OptumBank XXXX account online to manage. my investments and transfer funds to my investments I have what Optum refers to as XXXX 'portfolios ' which are separate sub-accounts to my overall XXXX  investment account. XXXX is XXXX XXXX, which is a closed option no longer accepting contributions. The other is a XXXX XXXX portfolio. 

For quite a while, I was able to manage my investments for both of these online using the OptumBank website. However, upon logging in on XX/XX/2023, I discovered that although my XXXX XXXX portfolio had a balance, I was unable to see the equities/mutual funds/etc in the account, make transactions, see how the assets were performing, or transfer additional funds. Instead, the website is asking me to 'enroll ' again in the XXXX XXXX XXXX XXXX ( seemingly ), and this is erroring, as I am already enrolled. 

Previously, I had setup the 'auto invest ' function which was supposed to sweep cash held in my XXXX to my investment account and invest it according to my portfolio mix, and that was not being performed either, as there is a significant ( XXXX XXXX XXXX XXXX available to invest ) cash balance uninvested. 

I called Optum XX/XX/2023 and spoke to XXXX, and I told him of this situation and the error I was getting. He was unable to help as this seemed to be an unusual situation, despite his best efforts.
Product: Credit card or prepaid card

I'm creating this with regards to a charge on my Chase credit card from XX/XX/20 for {$2800.00}. I have tried twice to resolve this dispute with Chase but have not been refunded. I have provided proof that the party I transacted with still has all of my funds and has not provided their service ( travel agent ). I provided proof of trying to reach the vendor on the phone, email chains between the vendor, myself and the resort I was to stay with and the fact that the travel agent 's own website states to reach out to the credit card to process a refund as the travel agent has laid off their staff due to COVID and are unable to process it on their end.
Product: Consumer Loan

I spoke with a representative from the company and asked about credit reporting. 
I asked if I would see it on my record because I had read online somewhere that it should. I was told it would show on there once it was paid off. 
I did pay it off and it never hit my report. For the disgustingly high-interest rates these robbers charge, they can at least give you a bump on your credit, especially since it is the only option for some people who need a loan.
Product: Debt collection

Well I was enrolled in a bootcamp called XXXX back in XX/XX/XXXX for XXXX XXXX where if you complete the whole program you well land a high paying job within the XXXX XXXX  and you well pay the whole $ XXXX or more in tuition. I decided to research more about the company and they were negative reviews about the company coming from students on XXXX, XXXX, and XXXX stating that this school is a scam and provided false information about landing jobs it was misrepresentation in false information! I decided to dropped out because I was misrepresented by false information provided by XXXX. Because XXXX  states if theres a misrepresentation then they will refund you the whole amount. I dropped out in XX/XX/XXXX and contacted XXXX for a full refund instead they are refusing me to provide me a refund and added me to the block list where they dont contact you. Majority of jobs in the XXXX XXXX requires you to have a XXXX XXXX with many years of experience and XXXX lied about job outcomes! And XXXX partner for providing students loans is XXXX XXXX they are threatening to take collection action against me.
Product: Credit reporting or other personal consumer reports

I asked the credit bureau to send me validation of original sign documents, and to do a complete investigation and ensure accuracy of the records they reporting. the credit bureau refuse to show proof of original sign documents and continue reporting fraudulent account on my credit report. They have failed to respond to my dispute letter dated XX/XX/2023 within 30 days after receiving the letter. According to the federal law, the credit bureau required to respond within 30 days after receiving the dispute letter, otherwise delete the information immediately. The credit bureau also in violation for reinserted deleted fraudulent account back on report with out notify me with 5, days. Violation FCRA code
Product: Mortgage

My wife and I purchased our first Florida home after moving to XXXX XXXX in XXXX of XXXX. We originally used XXXX XXXX XXXX XXXX XXXX XXXX as our mortgage lender. We qualified for a fixed rate conventional mortgage with a principal balance of {$260000.00} at an interest rate of 3.5 %. The total fixed rate payment was {$1400.00} per month. This included {$1100.00} in principal and interest, {$100.00} in estimated taxes, and {$110.00} in hazard insurance. As soon as we closed our loan was sold to Mr. Cooper. Our first payment to them was in XXXX of XXXX. The payment amount and due date remained the same during the initial transition. In XXXX of XXXX we were informed that we had an escrow shortage and that our payment would be increasing. It increased effective XX/XX/XXXX ( date of first payment at this amount ) to a whopping {$1900.00} ( a XXXX XXXX increase ). I have NEVER known a fixed rate mortgage to increase by such an astronomical number. As a result of this absurd increase our funds have run low. We were barely able to pay the payment that we agreed upon when we purchased the residence, never mind their increase. We feel like this is a direct violation of RESPA and very unprofessional as most people in today 's society can not handle such an increase without extreme financial hardship. That is what my wife and I are facing now. We really need your assistance with this matter at your earliest convenience.
Product: Credit reporting or other personal consumer reports

Dear Experian As a Federally protected consumer, Ive noticed several violations to my rights. Several of my nonpublic information has been exposed, I have been a victim of identity theft before and information being broadcasted in the manner you have I am now susceptible to being a victim once again.My XXXX account & my XXXX XXXX  accounts gives an great amount of in depth information, such as the amount I paid and the exact date etc. that information violations 16 CFR 313.3 Definitions ( n ) ( 1 ) Nonpublic personal informationmeans : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. 
( 2 ) Nonpublic personal informationdoes not include : ( i ) Publicly available information, except as included on a list described in paragraph ( n ) ( 1 ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available. 
The exact amount, dates & current status of the account is only information that can be obtained by using my non public information .Also that particular information isnt public hence to why you have to call and give certain information to access those details.
Product: Student loan

On or around XX/XX/XXXX I called Sallie Mae and tried to make arrangements with the interest only loan student loan. I am the co-signer for my XXXX children. I am going through a divorce with no financial support. MY income has been cut to less less a 1/3 of what I was making while I was married and originally when the loans were taken out. I tried to get ahead of the 7 loans going into default. for over a year I was able to get forbearance but now late payments has a negative impact on my credit report along with my children. I can not afford to make the interest only payments or make the payments when the grace period is up in XXXX. I have repeatedly called looking for help in many departments at Sallie Mae begging for help, to no avail. My credit score has dropped 100 points at this point. I just entered the work force a year ago and I was a stay at home mother trying to support four children and a house hold.Thank you for any help you can offer. 
XX/XX/XXXX is the beginning of when my credit has negative reports, I have disputed the claim. Currently the loans are approximately {$120000.00} in student loans.
Product: Debt collection

I was never contacted about debt from debt collector and was placed on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Mortgage Service XX/XX/2020 I called both the company affiliated with inquiry they said no info could be found. I also contacted Equifax and XXXX and told me to contact FTC. XXXX did remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to get a copy of my credit report from Equifax. I have a credit card and car loan, and have a credit history stemming years back. Yet Equifax tells me I have no history. 

This is incorrect. Both XXXX AND XXXX have full credit profiles for me. I verified that both my credit card ( XXXX ) and car loan company have been sending my information to Equifax and confirmed they did. I asked them to resend in XX/XX/2018. I called Equifax and they STILL said they have no history of me. This is impossible. 

In XXXX I submitted a formal inquiry to Equifax with my social security card and other proofs of information, along with the XXXX and XXXX credit reports. On XX/XX/2018, I received a letter from Equifax telling me I do not have a current file. This is absolutely ridiculous, because I do in fact have a credit card.
Product: Debt collection

Navient : Student Loan Account Opened without my knowledege Application was sent in before i was i was age XXXX 2 Dispersments were made on XX/XX/XXXX ( right after i turned XXXX ) and XX/XX/XXXX to a account not in my name. XX/XX/XXXX Interest of 50 % of the loan Amount was charged. I tried to get info but I wasn't allowed since i didnt open the loan and payments were being made by someone else. Didn't think anything of it. 4 years later when i was able get information and immedieatly paid off the loan which ended up being the full amount.
Product: Debt collection

I am not aware of a credit charge from First Federal Credit Control. 

This reflect an original creditor of XXXX of XXXX Florida in the amount of {$210.00}. The open date XXXX XXXX, 2014. I am disputing this charge as i have no knowledge of this charge. Please assist. 

Thank you.
Product: Student loan

MY PAYROLL CHECK IS GARNISHED BY PIONEER RECOVERY AND HAVE BEEN SINCE XX/XX/XXXX. I DID NOT RECEIVE MY IRS REFUNDS AND WHEN I SPOKE WITH XXXX XXXX XXXX FORMED ME THAT DUE TO THEY WERE GARNISHING ME THEY HAD ASCENDIUM TO GARNISH MY TAXES AND ACENDIUM ALSO HAS THE SME COLLECTION AT THE IRS AS PIONEER RECOVERY HAS AT MY JOB FOR GARNISHMENT. I HAVE DOCUMENTATION FROM THE THE STUDENT LOAN WHO GAVE THE LOAN TO PIONEER AND DATES AND
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Illegal Re-Insertion of Deleted XXXX Bank Account and Violation of FCRA Dear TRANSUNION, I am writing to formally dispute the re-insertion of a previously deleted account from XXXX XXXX  that has recently reappeared on my credit report. The account in question was removed from my credit report following a prior investigation, but it has now been unlawfully re-inserted without my consent or notification. This action violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Title 15 U.S.C. 1681i ( a ) and Title 15 U.S.C. 1681e ( b ), and I request an immediate resolution.

Violations of the FCRA : Failure to Notify ( 15 U.S.C. 1681i ( a ) ) : I was not provided with any notice of the re-insertion of the XXXX XXXX  account after it was previously deleted. Under FCRA Section 1681i ( a ), if a consumer 's credit report is updated or an item is re-inserted after being deleted, the consumer must be notified within five business days of the reinsertion. As I have not received any such notification, I am requesting that TransUnion comply with the FCRA and promptly notify me regarding the re-insertion of this account.

Failure to Maintain Accurate Information ( 15 U.S.C. 1681e ( b ) ) : TransUnion has an obligation under Section 1681e ( b ) to maintain accurate information in my credit file. The re-insertion of this deleted account without proper validation or notification is a violation of this duty, as it introduces inaccurate and potentially damaging information to my credit report.

Request for Immediate Action : I request that you : Remove the re-inserted Discover Bank account from my credit report immediately, as it was previously deleted, and there was no proper notice of re-insertion as required by law.

Provide written documentation verifying the re-insertion of the account, as well as any supporting evidence that justifies this action.

Provide confirmation of compliance with the FCRA notification requirements under Section 1681i ( a ).

Conduct a thorough investigation and correct any inaccuracies on my credit file in accordance with the Fair Credit Reporting Act.

If you fail to address this issue promptly, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue any additional legal remedies available to me under the FCRA. 
Please respond ASAP XXXX XXXX XXXX XXXX XXXXSincerely, XXXX