23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Documentation for Dispute : Name of the merchant : XXXX XXXX Transaction Amount : XXXX Date of charge : First charge on the card ending XXXX on XX/XX/XXXX, second charge on card ending XXXX on XX/XX/XXXX. 
Reasons for re-opening dispute : There is duplicate charges are XXXX different cards for the same flight. 

I feel like I am have been running in circle with no help from XXXX and Chase to resolve this issue, which I thought was a very straight forward issue. 

I am writing to open up the dispute that I have opened recently for the XXXX XXXX card ending in XXXX. There is a double payment that I have made to XXXX for the same flight, which I have confirmed with the XXXX Agent that it is indeed a double payment for the same flight ( Confirmation Number : XXXX ). 

As of Today XX/XX/XXXX, I have already contacted Chase Support multiple times ( XXXX for the Sapphire Preferred card ending in XXXX and XXXX for the Business Preferred card ending in XXXX ), and have contacted XXXX XXXX both with the call agent and the online support agent, which resulted in no refund, no conclusion, and was told to contact my financial institution, in this case Chase. 

Although Chase has contacted XXXX, XXXX gave them contradict answer to what they told me what I called. For example, XXXX told chase that the tickets that I have purchased are XXXX separate tickets ; However, when I called XXXX and gave them the confirmation number, I was told that they do indeed see that I made a duplicate payments for the same flight, but because I opened a dispute previously, they could not refund me until the dispute has been closed on Chase end. 

I have email proof, credit card statement proof that I have paid twice, on XXXX different chase credit cards, for the same flight. 

Attached, you will " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' that is from my credit card statement. In addition, you will find the emails that I received from XXXX XXXX, which resulted in no resolution. Finally, I provided my second purchased ticket from my email, which totaled to {$1000.00}, which is twice the original payment of {$500.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX, account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, account # XXXX Account name : XXXX XXXX XXXX, account # XXXX Account name : XXXX XXXX XXXX IN XXXXXXXX XXXX  XXXX XXXX ACCOUNT # XXXX, has 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 XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX have all violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I was charged XXXX and I was paying {$100.00} a month. The original and only amount I owe is {$1800.00} I had gone to court with XXXX XXXX from Messerli and Kramer because they refused payment plans and the court ordered me to pay {$1800.00}. They owe me {$140.00} back for overpayment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NEGATIVE ACCOUNTS : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have contacted XXXX XXXX XXXX XXXX on several occasions to obtain a receipt of payment for a debt with Synchrony Bank. They keep sending me a receipt saying that " in the event that your funds are returned unpaid by the bank, this letter will be null and void. '' I need a letter indicating that the debt was settled and that they have received their funds. These folks were paid over a year ago. 

I called again today and spoke with the same supervisor and she says that this is the letter that is created by them. She could not send me a letter without that statement attached to it. She told me that I was welcomed to file a complaint with your office. 

I have to wonder if they are a legitimate company since my credit report still reflects the accounts as a charge off.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

I have an account with Bank of America, and I was scammed today for a concert ticket by a man or women who had a fake account on XXXX named XXXX XXXX XXXX, and has a XXXX account in the name of XXXX XXXX ( XXXX ). I was scammed a total of XXXX dollars.
Product: Credit reporting or other personal consumer reports

This company removed too late fees. They even gave me the refund for them and they never updated them and I have proof of that.
Product: Consumer Loan

Bank denied loan because of false information on Experian credit report. Credit report shows an outstanding balance on a medical bill that was paid off years ago. I have a letter stating we do not have any outstanding balance with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monthly credit score has been in steady decline. I own no credit cards with any type of balance. Checked credit records and found a charge {$1000.00} with XXXX XXXX XXXX XXXX Creditors number XXXX XXXX XXXX Original creditor XXXX XXXX Original Account number XXXX Agency Reference Number XXXX Balance {$1000.00} I have never had a account of any kind with XXXX all of the listed information on the original account has nothing to do with me! Please look at my credit record I have nerve not payed a amount that I owe. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX
Product: Credit card or prepaid card

Credit Karma showed a few credit cards that they said I had an excellent chance of being approved for.. They also offered a guarantee that if I wasn't approved for it they would give me {$50.00}. I received the letter from the bank saying they declined it and I would receive an email with the information. Credit Karma stated that it took XXXX XXXX XXXX days for them to hear back. After two weeks I inquired about the {$50.00} and they said they would look into it and stated it could take up to 60 days to hear back. When I contacted them at the 5 week mark they said they hadn't heard back from me and closed the case. I asked them to reopen it to which they opened a whole new case and now are saying they need the documents from the credit card company as to why I was declined.. The credit card company doesn't keep documents that long and I believe Credit Karma knew that.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file. These accounts were opened without my knowledge or consent and are causing severe harm to my financial stability and emotional well-being. Despite my efforts to resolve this issue, these fraudulent accounts remain on my credit report. 

The most damaging fraudulent account is a XXXX car loan, opened in XX/XX/year>, which is falsely reported as a valid debt. This loan was not authorized by me, and its continued presence on my credit file is unjust and unlawful. Additionally, I have identified other fraudulent accounts, including : XXXX XXXX XXXX XXXX - {$530.00} XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX - {$1300.00} I have submitted all necessary evidence, including my FTC Identity Theft Report, a copy of my government-issued ID, and proof of address, to support my claim. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], I am entitled to the immediate removal of fraudulent accounts from my credit file. The continued reporting of these accounts also violates [ 15 U.S.C. 1681s-2 ], which prohibits the furnishing of inaccurate information to credit bureaus.

I am requesting urgent action to correct these errors. The failure to act promptly exacerbates the financial and emotional harm caused by this identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Bank account or service

I was charged an overdraft fee by Bank of America, even though when I checked my account online it was not overdrawn until after the fee was applied. When speaking to a Manager on the phone, I was informed that it was a specific transaction that overdrew my account. Upon hanging up, I immediately checked my account to find that, according to my mobile banking app, that transaction left me with {$55.00} in my account. This is not the first time Bank of America has charged me an overdraft fee when the only charge that put me below a {$0.00} balance was the actual overdraft fee. This is, however, the first time they have absolutely refused to refund me my money. It was suggested that I explore " keeping a check ledger. '' It is also convenient that {$50.00} transferred from my online savings account, which stated they 'd transferred the money on XXXX/XXXX/16, did n't appear in my Bank of America account until XXXX/XXXX/16 - after they 'd charged me the fee.I suggest that Bank of America not charge people for overdrafts that have n't actually occurred. 
I have opted in for an email notification anytime my balance goes below {$25.00} or is overdrawn. However, at XXXX XXXX I was charged for an overdraft but was n't notified via email by BoA until XXXX XXXX. 
Any help you can offer is appreciated.
Product: Credit card or prepaid card

Hello officer, I was charged by insurance company for Home owner insurance by accident for XXXX XXXX. 

I have filed the dispute with Bank of America. At the same time, I've solved the issue with XXXX Insurance company, which confirmed to refund the charge and sent the official Email. Unfortunately this case doesn't close even went through over two weeks after all evidencess. I feel upset that BOA didn't proceed any refund after I've reached out with BOA customer service. The amount is still in my account, which is impacting my credit history.
Product: Credit reporting or other personal consumer reports

Disputed several times. Company deleted multiple names and addresses. Then the company put them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : -.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this matter various times with the credit bureaus. Professor Debt Mediation has been reporting on my credit report in an attempt to collect a collection/debt that I think I was wrongly charged for. When I left my apartment, I left it very clean and nothing broken. I have pictures of how I left my apartment. I did not get back my security deposit and theyre charging me an additional {$4600.00}. This debt should be investigated and verify and the method of verification should be provided to me with pictures and proof of charges that I owe. Otherwise, I do not owe it and it should be removed from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : 5 USC 552a- The Privacy Act of 1974 : XXXX XXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in 5 USC 552a, which outlines the conditions under which personal information may be disclosed and the rights of individuals to access and amend their records. 

5 USC 552b- The Government in the Sunshine Act : XXXX XXXX 's actions appear to contravene the provisions of 5 USC 552b, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX 's lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

CFR 313.7 - XXXX Customer Information : XXXX XXXX may also be in violation of CFR 313.7, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX 's data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.
Product: Credit card or prepaid card

I paid off US Bank Polaris Visa in XX/XX/XXXX, I was told at the time that I had earned enough points on this card to get a {$120.00} rebate. The operator suggested that the card remain open in order to redeem the points. I did so. I waited a couple of weeks and no check was sent in mail. I called US Bank and asked again about status of redemption and was told again to keep card open for 6 months in order to get the {$120.00}. In XX/XX/XXXX they sent a letter referencing a gift certificate. In XX/XX/XXXX, I got a letter saying that the account was was past due. 
Today, I was on the phone for an hour with customer service which tells me the card was used in XX/XX/XXXX with a charge of {$5.00} ( a gift certificate? ). And there is now an past amount due of {$26.00}. This card has not been used by me. I asked that they close out the account now and was sent to 4 different people with lots on hold time.  Eventually, they transferred me to a survey asking how well they served me, and was then disconnected. I called back and spoke again to the collections section, saying to cancel this account. XXXX who has no telephone extension tells me the account will be cancelled in 24-48 hours, but gave me not confirmation #. I do not believe her and think US Bank Polaris Visa is a shady operation that will spin the fake {$5.00} into more and more money and mess with my credit rating in the process. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal response to Equifax, demanding they remove fraudulent items from my credit report. XXXX, XXXX XXXX Equifax received a formal complaint through certified mail XX/XX/XXXX. 
The ID Theft Report expressed in detail how I was a victim of ID Theft, and how 4 automobiles were purchased in my name unbeknownst to me. XXXX and XXXX XXXX promptly deleted all 4 cars from credit report according to FCRA code 605b ( 15 U.S.C.1 681 c-2 ) Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall 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 ) days business days after the date of receipt by such agency of : Equifax has refused to remove ALL fraudulent items from my credit, even though Equifax has, by their own admission received my full ID Theft Report, Equifax did in fact remove one of the fraudulent cars. Yet they continue to ignore FCRA and FDCP statutes. violation of FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Their lack of communication with me is a violation of FCRA 611 ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

As I am sure Equifax is well aware, under FDCPA Section 809 ( b ), is not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR THE DISTRICT OF ARIZONA, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my credit report by Bank of America that I did not make or authorize. What made me look into it is I received a text message stating that my Bank of America credit request was approved. Welcome package and cards will arrive within 14 days. I did not request these cards and am concerned these cards may get into the hands of an identity thief.
Product: Credit reporting or other personal consumer reports

There are inquires on my credit reports that i did not authorize : JPMCB Card Services, XXXX XXXX XXXX jpmcb card servicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX