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

Hello, I was charged {$1200.00} USD twice for the same flight booking thru XXXX, once on my Chase bank debit card and once on my chase visa credit card for flight from XXXX to USA on XX/XX/2020. Attached are both tickets. My purchase initially did not go thru on the chase credit card ( it failed ). Therefore I attempted to book with my chase Debit card. That did not work either. Then XXXX sent me an email later that both tickets were confirmed even though I only needed one booked. As you will see on both tickets, its the same traveller ( myself ). This is a clear error on XXXX 's part. 

The charge of {$1200.00} was charged on my chase visa credit card on XX/XX/2020. The charge of {$1200.00} was charged on my debit card on XX/XX/2020. I disputed this charge on the debit card and chase reversed the charge on XX/XX/2020. However, on XX/XX/2020, Chase put back the charge on my debit card for {$1200.00} after completing the dispute resolution. I contacted Chase on XX/XX/2020 and they are unwilling to refund this amount. I have attempted to contact XXXX several times but they will not respond to any inquiries. 

Regards, XXXX XXXX
Product: Debt collection

I was told that I had an open credit card from 1999. I was contacted in XXXX about this debt and told that I would have to pay over XXXX worth of interest. When asked if I was going to pay this or not-I said " no ''. The debt collection agency sent legal paperwork to my home and the post office had my XXXX year old daughter sign for it while I was at work. The judgement went through XXXX South Dakota without my knowledge and I have been fighting it ever since. I have written to the court and contacted the debt collection agency. The time of elapse for the debt had passed. They charged an exorbitant amount of interest and would not settle on it.They constantly called threatened and harassed me and then accepted the signature of my XXXX year old daughter on legal paperwork. The only reason I knew that she had signed for the paperwork is that her older brother told me. The post office would n't respond to my request for information and claimed that they were using a temporary carrier. I do n't believe it is legal for a court to go through with a lawsuit signed by an XXXX year old. This company was completely suspicious from the beginning. This has caused me to be investigated at work, loss of credit, etc. I have successfully disputed this to XXXX out of XXXX credit reporting agencies and was advised to file a complaint as well.
Product: Credit card or prepaid card

On XX/XX/2019, my credit monitoring service alerted me to a change to my credit report saying one of my Citibank credit cards has been closed. Alarmed, I logged onto my account online and saw that my Citi Costco card was indeed closed. I initially thought someone hacked into my account since I did not close this account. However, upon calling Citicards, they confirmed that the bank closed my card due to 25 months of inactivity. The company should at least have the courtesy of giving me advanced notice of such a policy and should give me a chance to reactivate my card before pursuing such an action. I asked the CSR if he can reactivate my card, and he said he can try but it might be another inquiry to my credit report and basically will process as if a new application. I did not want another hit to my credit report so I did not pursue this option and left the card as closed. My Citi Costco card also serves as my Costco membership card so now because of this sudden closure of my account, I will have to go to Costco and get a standalone membership card. This is not just a bad customer experience, but also unfair treatment. When must I keep using the card in order to have one? If I was already approved for a credit card account, but my credit profile has not deteriorated ( FICO 800+ ) then the card company should really not be closing my account, which could negatively impact my credit report.

Unfortunately, this is not an isolated incident with Citi. My mom also had a different Citi credit card ( Citi DoubleCash ) closed without notice.
Product: Credit reporting or other personal consumer reports

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below : 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 Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 

IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. 

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action.
Product: Debt collection

Because i was trying to pay  XXXX  a month and the interate keep going up was trying to explain to them that i am on a fix income and all i could pay is  XXXX  a month and they told me i had to pay  XXXX  are my interate will keep going up which i dont have  XXXX  a month
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1100.00}
Product: Checking or savings account

I have a PNC Virtual Wallet Checking Account, and I experience problems constantly when I try to Use XXXX XXXX to link to my PNC account from other external accounts I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my student loan accounts were paid in full as of XX/XX/22 and the credit agency refused to report a XXXX balance on all of them and mark them as paid. The last update they had was XX/XX/22. They did not update my file intentionally even after they were given proof of paid status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting that this account is mine. It is not they have recieved police reports and have spoken with me personally this account was opened online and was charged off they also filed a lien against me, as it stands right now there is " no contract '' and should be removed from my credit report. Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX keeps attempting to collect a dept and attach my wages for a debt that was included and cleared in a bankruptcy, they have recieved proper paperwork showing they also have sold my account to another agency as it stands today there is " no contract '' with them and this credit line should be removed from my credit reports. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX also is still appearing of my credit reports, this again was an account that was opened online and is not mine. As it stands today there is " no Contract '' with this company and should be removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

i received rejection notice on credit card request with bank i just opened checking and savings accounts with. 
the information they provided leaves some questions as to what is going on with my credit report. 

the report was done by transunion. 
my credit score has dropped almost 50 points. 
I call the number that the bank gave me for transunion. 
as usual, from previous calls to them, you can not reach anyone to discuss you credit info with. 
I was one of the people whose credit files were breech with XXXX. I need to find out if someone is trying to use my social security number to open credit accounts or other things as indicated by the info bank provided. 

I can not reach anyone at any of the credit bureaus. 
Also, all they are trying to do is sell credit protection policies. 
I was asked if i wanted to enroll in a credit protection policy at least twice during the call. 

I need help in regards to stopping fraud and stealing of my credit info, but as i said, you can not reach anyone live at any of these credit reporting agencies. 
I have tried four to five times already
Product: Credit reporting or other personal consumer reports

XXXX XXXX requested that I pay a truck off. Once I paid the truck off they are still reporting late on my credit which is incorrect and they have not even updated the information stating the truck is closed and paid off. With them not cooperating my credit score is continuing to decline. They are reporting inaccurate information which is against the law I have reached out to them on several occasions. I cant make any purchases because they are damaging my credit for continuously reporting wrong information!
Product: Credit reporting or other personal consumer reports

1 ) On XX/XX/year>, there is an inquiry from Capital One made to all 3 majors XXXX XXXX Agencies against my report file. I never had nor have i ever initiated any type of credit account with Capital one. 
2 ) On XX/XX/year>, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file. 
3 ) On XX/XX/year>, XXXX XXXX was place to my XXXX credit file by XXXX XXXX. 
4 ) On XX/XX/year>, an XXXX was place by XXXX XXXX XXXXXXXX to my XXXX credit filefile. 
5 ) On XX/XX/year>, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following accounts and inquiries be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by fraudulent activity : ACCOUNTS : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} INQUIRIES : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions.

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

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: Vehicle loan or lease

Assignee/Lender Name : Audi Financial Services ; Address : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Re : Acct # XXXX ; Car Year : XXXX ; Make of car : XXXX ; XXXX : XXXX ; VIN Number : XXXX ; Stock Number : XXXX ; -- -- -- -- -- -- I am writing to you, regarding the above-referenced account and transaction. This marks the second written communication addressing the pertinent issues surrounding the repossession of the vehicle described above, conducted by Audi Financial Services through XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

In accordance with the subsequent paragraphs, I will elucidate the grievances and demands stemming from the actions of Audi Financial Services and its affiliates : 1. ) Failure to Provide Necessary Documentation : Audi purportedly issued a " Notice of Intent to Dispose of Motor Vehicle '' dated XX/XX/XXXX, indicating that the conditional right to reinstatement was forfeited due to prior reinstatement activities. However, it's imperative to note that no evidence of prior reinstatement or corresponding Notices of Intent to Dispose of Motor Vehicle were provided by Audi prior to XX/XX/XXXX. Per California Civil Code section 2983.2 ( a ), such notices are mandated to be personally served or sent via certified mail, return receipt requested, or first-class mail to the last known address of the individuals liable on the contract. Regrettably, no such notice was received, thereby invalidating any claims of prior reinstatement and consequent repossession actions. 

2. ) Absence of Guaranteed Asset Protection Termination Notice : The alleged repossession incidents imply termination of the guaranteed asset protection associated with the vehicle subsequent to the purported reinstatement. As per California Civil Code section 2982.12 ( 6 ) ( B ), buyers are entitled to a pro-rata refund of unearned guaranteed asset protection waiver charges upon early termination of the conditional sale contract. Nevertheless, Audi neglected to furnish any Notice of Guaranteed Asset Protection Termination or issue a refund post-reinstatement, thereby contravening statutory provisions and necessitating remedial action. 

XXXX. ) Failure to Comply with Repossession Protocols : Contrary to legal mandates outlined in California Code, Business and Professions Code XXXX and California XXXX XXXX XXXX ( a ), the repossession process was conducted without requisite notifications and documentation. The absence of a Notice of XXXX, XXXX of XXXX Effects, and proof of payment of fees to law enforcement agencies within stipulated timeframes indicates procedural lapses on the part of the repossession agency, further exacerbating the violation of debtor rights and necessitating rectification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern regarding the conduct of XXXXXXXX XXXX XXXX, particularly their website XXXX. I recently encountered a problem where XXXXXXXX XXXX XXXX misreported my payment delinquency despite my best efforts to make a payment before the due date in XX/XX/2022. Unfortunately, their system kept generating error messages, which prevented me from making the payment. 

As a result, I contacted their customer service team on multiple occasions, but to my dismay, I was unable to reach anyone. After several attempts, I was finally able to get through to a customer specialist who assured me that the late payment would not be reported, acknowledging that it was their fault. However, to my surprise, XXXXXXXX XXXX XXXX  still reported the payment delinquency on my credit report, without even informing me, and charged me significant late fees. This has had a devastating impact on my credit score. 

Despite my repeated efforts to contact them and resolve the matter, XXXX XXXX XXXX has been unresponsive and unhelpful. I am at a loss as to what to do, and I fear that my credit score will continue to be negatively impacted if this issue is not resolved quickly. 

I urge you to take this matter seriously and investigate XXXX XXXX XXXX XXXX behavior. I believe they have acted in bad faith and that their conduct has been unfair and deceptive. I would appreciate your assistance in resolving this matter and restoring my credit score to its rightful standing.
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 Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 card

XX/XX/2024 I delivered an application to CBNA servicer and they were supposed to transfer the application to the correct intermediary and I was to be credited the amount I was approved for. Instead I recieved nothing in return and was left in acquiescence for over 2 months. I have emailed the XXXX XXXX XXXX XXXX of my issue with this servicer and will sue the Trustee for securities fraud and negligence of fidicuary duty if no action to remedy this issue, then I will be prompt to move forward with my complaint with this servicer as I am aware they have no rights in this transaction.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against ( 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 redres : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to advise them of unauthorized inquiries on my account. I disputed t he inquiries over the phone and received no resolution from Equifax. 

The inquires are : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern, On XX/XX/XXXX I am looking at my credit file and notice a bill for {$75.00} which was fraud and never authorized by me as I never went to XXXX. A few years back I had seen something from XXXX and I explained to them this isn't me it is fraud and if they can prove I did it than I'll pay. I believe it was a different amount. Anyways I called them back I was to say sometime in XX/XX/XXXX-XX/XX/XXXX and mentioned under the fair credit act you must remove this from my file as you have shown me no proof of doing business with you. 

They said they would remove it since it was fraud and not authorized by me. For some reason It is still up. Anyone is more than welcome to call me on the subject.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the XXXX major credit bureaus are obligated to verify the accuracy of the listed accounts. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the following accounts appearing on my credit report.