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

The Bank of America to date has not responded in good faith to numerous attempts to resolve this dispute since XX/XX/2018. The trip booked on the XXXX XXXX was paid in full, in advance, per the merchants invoice ( sent to the BOA ). The Bank of America states that subsequent add on charges to the invoice were not paid. Those supplemental charges from the merchant were added on several months after the trip was paid in full. I have asked on multiple occasions for the Bank of America to provide documentation from the merchant showing that the added charges were noted to the client as being supplemental at the time the booking charge was totaled by the merchant and was paid in full as required prior to taking the trip. 

The Bank of America has not, and can not provide documentation showing the validity of the charge and that the client was pre-informed of these charged beforehand and agreed to them. If the Bank of America can provide documentation showing that the client was notified at the time of booking that the total stated and paid was to later include further supplemental charges then please provide that documentation and the billing will be paid upon receipt. 

Otherwise, if the Bank of America can not provide documentation showing the client had been advised of further supplemental charges and agreed to such charges then this issue is now closed since the dispute has been unresolved by the Bank of America for a period of over 7 months. 

It appears that since the merchant and the Bank of America can not provide the documentation that the charges were " hidden '' and not defined to the client prior to taking the trip or included within the paid in full total amount invoiced by the merchant.
Product: Debt collection

They reported to credit bureau that I have an account in collections with them ( XXXXXXXX XXXX XXXX XXXX ) from " Sapientes Funding LLC '' in the amount of {$1700.00}. 
I called them when I found this on my credit report and they could not find an account in my name or with my social security number, so basically it did not exist.
Product: Prepaid card

I received XXXX separate {$500.00} AMEX prepaid gift cards over the holidays and can not get either go work anywhere. I just want my money and to be done with these things. Have been on the phone with AMEX over 5 times now.
Product: Money transfer, virtual currency, or money service

I am contacting you to formally state my dissatisfaction with the way Zelle deals with conflicts, especially in light of the recent CFPB lawsuit that has revealed major issues with the service. Despite using Zelle multiple times and flagging inconsistencies, my bank and Zelle did not thoroughly investigate my complaints. They stated that recovering lost funds was impossible and that tracing these transactions was not viable. The CFPB 's report shows that Zelle has not only failed to safeguard consumers but has also allowed dishonest individuals to take advantage of the system, putting users at risk of fraud. This lack of responsibility and openness is not acceptable and raises serious concerns about consumer protection.
Product: Debt collection

Please be advised i was contacted by phone on XXXX/XXXX/16 by NCC BUSINESS SERVICES claiming i owed them around {$1900.00} i asked them to send me a statement on how they come up with this figure and the original document bearing my signature agreeing to pay this and from whom the original creditor was. i havent received anything in the mail from NCC and since then they have reported an ADVERSE account to the credit reporting agencys.
Product: Mortgage

we did a modification, we were approved with XXXX XXXX XXXX this was in XX/XX/XXXX as soon as we were approved they denied all at the same time. sent mtg, payment back to us and sold to select portfolio services. they 're not working with us. we obtained a lawyer, fee of XXXX a month who was suing XXXX. were now in forclosure we dont have a payoff amount it goes from XXXX, XXXX and then XXXX and back to XXXX we found this much out because were trying to do short sale and obtain our equity from the home, but now it going into forclosure. our parents left us this house, we did probate were abused in the refinancing of the propety, its been a struggle since XX/XX/XXXX the percentage has alwys bee 19 % never went down. we were said too so many times '' pay on time for a year and the percentage will go down with monthly payment. '' that never happened. we borrowed off the house in XX/XX/XXXX to do just what they asked. continue paying on time and things would get easier. that was not true. the money borrowed paid mtg. for XXXX years on time, the note was XXXX monthly. then XXXX started forclosures then stopped, because we had help from Harp. they lowered the mtg. to XXXX monthly that lased for about XXXX years. thats how we arrived in this situation now. we did the siminars thats how we were approved for our modification in XX/XX/XXXX then it was revoked in the same month. as of today were in forclosure and trying to make sure were not wrong but we were abused and taken advantage of. were looking for justice somewhere so i started here, i do not know what else to do. we 've been here since XX/XX/XXXX please help. i Need to know if XXXX XXXX XXXX is still acountable for all of this. Select portfolio services is having problems and complaints of their own, why would they take on this loan and not want to work with us but force us out. i beleive they knew what was happing with XXXX and should not have been able to get this loan and there was a legal suit filed against XXXX XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

With Experian, I put myself under my wife 's account as a family plan. I asked them to cancel my plan ( personal plus ) charging at {$24.00}. They stated ( XXXX was her name ) it was done. Now, I've been billed again. 

It has taken me 1.5 hours to WAIT for 30 minutes on the phone ( no response yet ) in order to get them to ensure it's cancelled and then refund me my {$24.00}. 

I'm still waiting .... 

One other thing. I think it's unsafe/unethical to ask for my SSN at the beginning of every call. This violates my privacy.
Product: Bank account or service

Citibank has sent me to collections because of a checking account that I had with them was overdrawn due to fraudulent charges. I call and call and call and no one gets back to me or assists me. My checking accounts with them are overdrawn because someone stole my identity and used my accounts, not sure how they did it when there was n't much money in the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the loan back in XX/XX/XXXX. recently popped back on my credit about two years ago and theyre stating I owe the loan I paid off back in XX/XX/XXXX and then not take it off my credit. It is greatly affecting my credit score.
Product: Credit card or prepaid card

Submitted a previous complaint to discover. Person working with discover keeps giving me the " run around '' and says he will fix it and says he will call back. Was called last Tuesday XXXX and said he would report back in XXXX days. It is now XX/XX/11 and the charges are still on my card, and I have not been called back.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> was supposed to be a refund from XXXX XXXX for XXXX XXXX and XXXX then on XX/XX/XXXX from XXXX XXXX I had several transactions which was XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XX/XX/year> was supposed to be refunded went back said it went back to my XXXX XXXX  I never received it then on XXXX the XXXX another refund was supposed to be sent to my XXXX XXXX  account it never got there from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was on XX/XX/year> from XXXX XXXX  all of those was supposed to be refunded the same thing never received them cash app tells me they sent him to XXXX XXXX  they have not done it then on XX/XX/XXXX from XXXX XX/XX/year> XXXX XXXX XXXX was supposed to be refunded never got refunded to me I miss the XXXX all those added together is a total of {$720.00} I'm out that's supposed to been refunded to me through cash app and cash app never refunded them they show that they was refunded to me on my cash app statement but I've never received them they all say they went back to my XXXX XXXX  account and they have not done checked with my bank went through my bank back and forth for since XXXX this has been going on further than that but I can't really think about a lot of them I'm just catching all these thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written 3 letters regarding Unverified accounts reporting three times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof
Product: Credit reporting

It is the second time that credit report companies XXXX and Transunion insert incorrect information on my Credit bureau. Right now as of XX/XX/2017, it appears a debt in collection from XXXX for a total of {$700.00}, apparently from an early default from XXXX. I have never got services installed with XXXX in my life. And this situation of having incorrect information and/or possible identity theft have been a nightmare for me. I have to resolve issues every time because this kind of information is appearing constantly on my credit report, affecting myself deeply. I request that the collection reports that appear on my credit reports to get removed. From a previous case, there is a police report ( see file attached ) in all XXXX credit reports, stating that I was victim of identity theft and have to perform this for a previous case. I need this issue to be solved at once, because right now is affecting my possibilities to own a home thanks to the collections that incorrectly appears on my credit report. I would like to please help me out with this issue, because it is been a complete nightmare to deal with this issues by myself. I really do not know what else to do.
Product: Credit card or prepaid card

Citi bank charged my card {$95.00} for annual fee on XXXX, XXXX, 2022 and then closed my account on XX/XX/2022. 

The annual fee was paid for enjoying the benefit of the card. So if they close my account, that is their responsibility to refund me the annual automatically. It does not make any sense they expect me keep checking my account after the account was closed to see if they had refunded me or not. If I forget to check it, they just refuse to refund me due to passing the limit time? 

Again, that is their responsibility to refund the customer AUTOMATICALLY if they can not continually provide the service what the customer paid for. It is not the customer 's responsibility to keep tracking it. Is this the way how they keep the money they charged the customer without providing service and benefits? It does not make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX... 
XXXX XXXX XXXX  XXXX... 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with consumer powers for overs and my account was paid while my services were still on at my address and it was paid through consumer powers before XX/XX/XXXX. When I spoke to consumer powers that year and they told me that it went to collections by mistake and it was pulled from them and I found it on my record in XXXX and I called them back and they told me that the company said they bought it and it didn't matter that it was paid on time through the company which is consumer powers that they had bought the account it will still show late payments on their end even when it was paid off. So i decided to call the company in XXXX and they told me that it was removed and I told them that I still see it on my credit report. They asked me when was the account paid off and I told them in XXXX. So I called the company back and they told me it was paid off and the collection agency wouldn't let them remove it so I had to dispute and I been disputing this account for serval years now. They found out found by me that it was paid off and they had to keep what was on the account still. It's been over two years on this account and it is still showing paid on time but it's also showing negative from all credit bureaus.
Product: Credit reporting or other personal consumer reports

Yes, today I wake up to seeing a late payment on my card. I reached out to the company and was transferred at least 4 different times. They further kept saying that they would request to the " upper department '' to have this removed. They said they understood that I have never made a lat payment on my account and that they were sorry this happened, but then began to get hostile. They were very rude, each person was someone new, first a customer service agent, then a supervisor, then a manager, then a supervisor manager, and they all sounded the same, it almost sounded like I was getting pranked. This card company just seems fraudulent, its not the best and its a company that gives cards to people with lower to no credit, and I got it so that I could build my credit, and all I've had is problems. They explained that they mailed my statement to me, but I never received it. I told them my updated address and let them know that I did update my address and nobody seemed to care. How am I to know, if I never received the statement? In every attempt to talk, I was rudely interrupted and even yelled at. I am a young man in law school, I can not even imagine for someone who is elderly or mentally challenged how difficult these processes are.
Product: Checking or savings account

I filed dispute with capital one on a bait and switch credit card hotel stay and Capital one closed my 360 saving account. I had no access to any money for nearly a month
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : This is my second attempt which you have ignored my first request sent on XX/XX/year>. I sent a request stating that there are inaccuracies and I wanted those addressed. 
I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
- **Account Name : [ CAPITAL ONE AUTO ] ** - **Account Number : [ XXXX ] ** The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : XXXX. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes. 
2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of charge off account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and verification. I alleged that the 3 Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate removal and appropriate remedies as per the law. The account should be removed as it was inaccurate in my credit file : XXXX XXXX XXXX XXXX Balance : {$7900.00}.