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

OnXX/XX/XXXX, I went to XXXX XXXX located at XXXX XXXX XXXX in XXXX, CA to withdraw money from my American Express Serve card. I went through the process of entering in my pin number and the amount along with which account to take the funds out of only to have the ATM machine not to dispense any money. I waited a good 3 minutes to see if the machine would dispense any money, before attempting to it again since I had some bills to pay that was due in a day I really did not think nothing of it, so I attempted to try again only this time the ATM machine said withdraw is not allowed. A male was waiting to use the ATM and stated oh that ATM machine is always breaking down and went inside the branch. I was waiting longer than normal for my ATM card to be returned.

A female employee came outside and asked me if everything was okay, I stated the machine final gave me my card I did not think much of it, she looked at the ATM machine and went back in, I on the other had went to another XXXX XXXX near where I was at this time it was in a grocery store only for the machine to say that contacted lender. I then looked online only to discovered. The funds was showing as if I made a transaction. I attempted to make a transaction but no funds was dispense.

I had to be at work at XXXX XXXX. so I had to head to work on my break on XX/XX/XXXX. I contacted my bank to dispute the charges and on XX/XX/XXXX my bank sent me an email informing me that my dispute was denied. I then contacted XXXX XXXX to inquiry why would my bank American Express serve would say that ATM vendor indicated funds was dispense when they were not.

I spoke with a person by the name of XXXX she informed me that a detail investigation was not done and that American express Serve need to request the date stamps, camera, error log. She only mention that a basic one was done and I need to contact my lender to re investigate.

I contacted my lender on XX/XX/XXXX. I am late on a few bills because of this situation that I had no control over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still reporting bankruptcy that the court have removed from under my name and its hurting my family well being.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 
XXXX XXXX XXXX XXXX {$7400.00} XXXX XXXX {$37000.00} XXXX XXXX {$1900.00} XXXX XXXX {$810.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX {$730.00} XXXX XXXX XXXX  XXXX {$1800.00} XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$96.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$8400.00} XXXX XXXX {$4000.00} XXXX XXXXXXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit my complaint regarding this inaccurate information. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be corrected. The following accounts should be fixed or corrected immediately : XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card

I applied for an XXXX XXXX Visa Signature Card with Bank of America. The offer was for XXXX XXXX Miles and a {$100.00} statement credit after spending {$1000.00} on the card. 

However, after applying, my account was sent to 'pending '. After calling pending, my account was opening as an XXXX XXXX Visa Platinum Plus account, without informing me. Additionally, even though I applied for a specific offer, the terms were changed without my permission, and an account that I did not want was opened without my permission. The reason given was 'the Signature card requires a {$5000.00} credit limit, but you only received a {$2000.00} line '. However, I had {$31000.00} in available credit with the bank that an analyst was easily able to move over. The analyst was XXXX in the Preferred Credit group. So, the credit was there, but the agent chose to open an inferior account ( not the account that I applied for ) in order to charge me an annual fee without giving the bonus that was promised. 

This seems to be very deceptive and fraudulent, advertising a bonus and then changing the terms without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my XXXX XXXX XXXX XXXX was put into covid forbearance. When it came out I paid back payments of XXXX to bring it current. For the time it was in forbearance my credit report shows XXXX  on XX/XX/XXXX shows 180 days late which is stopping me from refinancing this mortgage and my first mortgage with any bank or mortgage servicer. I reached out to XXXX  XXXX XXXX for help they refused to change the rating. This is an adjustable rate home equity loan I tried to get them to change it to fixed but I was told it would be higher if I did that. I would just like to move on from this and restructure my current finances. This complaint is also for my husband XXXX XXXX ss XXXX. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Violations of the Federal Credit Reporting Act - 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] - 15 U.S. Code 6801 - 12 CFR 1016.7 - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting

I disputed a debt with Equifax-stating the collection company, XXXX XXXX XXXX had no legal basis for debt. They purchased the debt from The XXXX apts in XXXX Florida.The Apt accused me of damages that I disputed.They without having any legal proof of the damages, simply sold the debt to the collection agency..It appears that the apt complex does not have to prove the debt it merely sells it.the only proof of debt the collection company needs is to simply prove it bought it. I do not owe this debt, but must hirer a lawyer at great expense to remove it from my credit report. 
Second part, Equifax reports a judgement against me that was overturned.I sent them copies of the Court orders, yet they claim it is a judgement against me and I will have to change t myself.The point is Equifax does not follow though on the details of their reporting to determine whether their members have legitimate legal claims.The only recourse a person has is go through the expense of hiring an attorney, I have many documents to prove this and will send them at your request-I am XXXX years old -do not know how to attach copies-and wanted to get this started =please advise and I will have my daughter send them later
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 XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding my XXXX account, which you claim I still owe {$5700.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
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 from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX Balance : {$0.00} Equifax XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

In XXXX of 2019 I traded my leased vehicle in early for a new lease at XXXX XXXX of XXXX, Mo. months later it showed up on mine and my husbands credit scores that we were 2 months late on payments as we had a joint account. We spoke to the manager at XXXX XXXX and all he said was sorry they salesman you had never filed the paperwork to transfer the loan so it looks as though you were late on the payments?! He said he couldnt fix it!!!! This is the only negative thing on my credit in several years, I would like it removed as it inaccurate and I am not personally responsible for it! Also the vehicle we traded the lease in for went through GM as well so they can see the date of return on the previous lease!!!
Product: Credit card or prepaid card

Rewards Points Fraud.

They did not give me all reward points as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter on XXXX asking TransUnion for method of verification, who they talk to? when? what time? what department they work in? Among other things they sent me a letter that didn't answer any of my questions see attach letter they sent back. According to the FCRA 1681b ( a ) ( 1 ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : a subpoena, or In a accordance with the written instructions of the consumer to whom it relate. The FCRA also says a consumer reporting agency shall not prepare or furnish an investigative consumer report unless agency has received a certification from the person who requested the report. No disclosure of fact of preparation was clearly and accurately disclosed to me in writing, it was supposed to be mailed to me no later than 3 days after the date on which the report was requested and including a statement informing me of my rights to request the additional disclosures. According to the FCRA the furnisher was supposed to give me 3 disclosures ( XXXX ) the option to opt-out information reporting to a nonaffiliated 3rd party prior to them reporting it ( XXXX ) I was supposed to be given the opportunity before the time that such information is initially disclosed to direct that such information do not be disclosed to such third party ( XXXX ) I was supposed to be given an explanation of how I can exercise the nondisclosure option which I never received any of these documents. The furnisher was not incompliance with the procedures of the FCRA Laws, but yet TransUnion verified these accounts as accurate, TransUnion is also in violation according to the FCRA, by reporting my personal information without having a subpoena or written authorization from me the consumer I never gave TransUnion permission to report information on me. TransUnion also didn't go through the proper procedures they were not supposed to report any of my personal information without certification from the person who requested the report it was their job to make sure that the furnisher followed the proper procedures by provided me with all of the disclosures, when I request for investigation you are supposed to send me all of the physical documents that the furnisher gave you supporting their claim against me, you never did you just sent a letter saying the accounts were verified .Weres the contract or agreement with my signature on it showing that I have done business with these companies. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. If you can not provide proper documentation of proof of these accounts within 10 days delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), has 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: Credit card or prepaid card

The company closed my account due to fraudulent charges. The card is paid by auto pay every month. Therefore closing the account for any late isn't accurate I'm a victim of fraudulent charges so some charges on the account isn't my. I have try to work with company without resolve. They are closing the accounts for no reason. My income has increase and my credit is stable, there is no reason to close my accounts.. first it was my at & t card, now it my XXXX  doe no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on BK OF AMER ( Account no. XXXX ) Also, I tried contacting the Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I have submitted significant documentation to show inaccurate/complete information on my credit report. I have provided each account to point out the inaccuracies and they still remain on all 3 credit reports with inaccurate information. This is my seventh attempt to have accounts reporting falsely to be removed from my credit report. I have AGAIN attached my documentation along with FCRA 611 15 U.S.C 1681I.
Product: Credit card or prepaid card

on XX/XX/2020, XXXX XXXX I have purchased a trading subscription, I bought it through XXXX using my capital one credit card. 

after requesting a refund on Thu, XX/XX/2020 I was supposed to get a refund of XXXX $ neither from the merchant/XXXX  or capital one. 

I have been contacting all of the above since then include today XX/XX/XXXX. 

I'm getting no money back from neither of them. 

What am I suppose to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are not properly investigating dispute submitted by XXXX and XXXX XXXX when asked for the information they determine the validity of the credit items all they product was a letter stating that I owe a certain amount and not an itemized bill or even the initial contract with the company.
Product: Debt collection

Unverified information I sent two letters to verify my information and they cant I want them to delete everything from my credit report if they cant verify
Product: Credit card or prepaid card

Just recently found out that when applying for a job that an ex -roommate of mine had stole my identity an opened several accounts and even wrote some checks. This is not my credit card and I would like for it to be removed from my credit.
Product: Vehicle loan or lease

I purchased a 2022 XXXX XXXX in XXXXXXXX XXXX XXXX thru XXXX XXXX. XX/XX/year> the vehicle was totaled. In the month of XX/XX/year> the car was paid in full by the insurance company and the extended service contract provider. I recently found out that they never issued a lien release for this vehicle. I have been receiving taxes due from the count clerk. I called XXXX XXXX XXXX  and they stated they never received the lien release from kia motor finance. On XXXX XXXX I contacte XXXX XXXX and informed them that the lien release was never received by the county clerk or state. and told them I needed a certified notarized copy of the lien release sent to me so that I can take in to have the state and county release it so they can stop charging me taxes on this vehicle and refund the past due taxes because it has been 2 years. I was sent notification from XXXX XXXX via email on XXXX that it ws completed and mailed to me. I have never received it, I have called XXXX XXXX 4 times only to keep getting the run around
Product: Debt collection

For years I have been getting calls from a mediation firm trying to collect on a debt that according to them I owe. The debt is always for a different amount, and they always claim to represent a different company. I attempted to obtain information from this firm, but they always refuse by stating that is too late and that I only have the option to resolve the issue by paying, or they will have to sue me for the amount owed. I have always assumed that this firm is a scammer trying to collect money therefore I started ignoring the calls and at some points denying that Im the person they are looking for. Unfortunately, recently their calls escalated, and they started reaching other people I know. Over the weekend of XX/XX/year>2024 I called their numbers back which are ( XXXX ) XXXX and ( XXXX ) XXXX. Both numbers have the same voice message stating that Im calling National Recovery Solution. When I tried to further research, I found their website https : //unitedrecovery.net and phone number ( XXXX ) XXXX. I called the number ( XXXX ) XXXX and they immediately identify my information through the number I was calling from. They provided me with my maiden name, full social security number, and my current mailing address. I asked them the reason for their continue call and they stated that they are trying to reach me to resolve a debt of {$850.00} otherwise they will have to subpoena me to freeze my bank accounts and I will have to pay {$4000.00}. I asked them to provide me with information about the {$850.00} debt and all they said was that they had already mailed me correspondence about this and that now it was either for me to pay or I would have to go to court. I once again told them that I dont recognize the debt and I need additional information, since I persisted the call was hung up. I called again to ask them for the name of the company once again and this time they told me it was XXXX XXXX XXXX. I asked for their mailing address to request a validation notice and their answer was that they will not be answering a questionnaire and hang up the call. I called again during my lunch to try to get an address and they transferred me to a supervisor who said that my case was already settled that it was being taken to court and that I should stop calling or they will sue me for harassment.
Product: Credit reporting or other personal consumer reports

I was Trying to get a XXXX XXXX when I realized I had damage on my credit report which ended up causing me major issues. Also According to 15 U.S.C. 1681 there should not be any damages on my report as it is a defamation of my character. And it is impeding my progress in life and putting major undue stress and hindering my pursuit of life, liberty and happiness. I Have Been Trying to work with these Companies for Months and they have done Absolutely Nothing to help me. And are breaking the law.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email alert that there was a charge on my Citizens credit card that I had not used in a year. I logged in online to check and found 3 charges I did not make. The three charges were made : XX/XX/XXXX XXXX *us postage {$46.00}, XX/XX/XXXX stamps.com *us postage, and usps stamps endicia {$45.00}. I immediately called Citizens at the phone number XXXX at XXXX XXXX  EST and was on the call for 62 minutes and 13 seconds. I was told my dispute was opened already by the fraud department and my card would be cancelled and a new card sent. I was also told I would receive a letter from Citizens outlining the dispute. I have not received a letter from Citizens and the charges are still sitting on my card and now have been assessed interest and a late payment fee after being told I was not liable for fraudulent charges. After I did not hear anything from Citizens I called the same # on XX/XX/XXXX at XXXX XXXX  EST and was on the phone 46 minutes 24 seconds. I checked to make sure the claims were filed and told I would receive a letter or call from Citizens and not liable. I didn't receive a letter or call so contacted Citizens again at XXXX on XX/XX/XXXX at XXXX XXXX  and spoke to another specialist for 38 minutes and 41 seconds. Now I am showing that I still owe for the fraud charges plus a {$29.00} late fee and $ XXXX interest. I have not received a letter or call to resolve this.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX