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

My credit card company is deny my claim based on this letter from the company. 

XXXX, XXXX XXXX Fri, XX/XX/XXXX, XXXX ( 8 days ago ) to me Good afternoon, Thank you for reaching out to us regarding your visit to XXXX XXXX. I was recently provided with your ticket information and the images of the receipts that show the items you purchased at the front gate. After reviewing the ticket barcodes that you provided, we did see that they had been previously used at the park for entry on XX/XX/XXXX. The XXXX XXXX portion of the tickets were also used two times inside the park on the same day. Due to the inconvenience of this situation, we would like to offer you two additional single day tickets to visit the park by XX/XX/XXXX and we would also include two XXXX XXXX  vouchers for you to use on a future visit with us. The tickets and XXXX XXXX will be sent to you separately from this email. 

Once again, thank you for contacting us and allowing us to look into this matter. I hope that we can see you again at the park soon! 

Thank you! 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I am asking them to reopen Hello, Please reopen Claim number : XXXX for {$280.00}. 

Customers should not be held liable for the companys glitches, errors, or theft within a company. If I paid for a service, I should get it at the time I paid for it. Services was not rendered. I can not go back to XXXX XXXX in XXXX when I paid for hotel and plane tickets to go in XX/XX/XXXX. 
XXXX XXXX reuses their barcodes. If you were to call any of their parks, they will tell you that they reuse their bar codes. 
I purchased tickets for XXXX XXXX in XX/XX/XXXX, and you can see that in my bank statements. How could I have used the passes in XX/XX/XXXX. Unless I have some magical powers. 
My tickets were taken away ( stolen ) from me in the early morning by a crocked manager if the food passes were used twice that day. I did not use them I did not have them to be able to use them. The restaurants in the park open for lunch and afterwards. Either they gave my food passes to their friends, or it was a reused barcode. 
XXXX XXXX refused to give me a refund for their own mistakes, scams, corruption that is happening in the park and to hang onto my money they are giving me back what I bought to use in XXXX instead of refunding me money. I can not do anything legally to them because I live in another state. Which is why they are doing this and getting away with this. I can only ask my credit card company to help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving inaccuracies related to several charge-off accounts listed on my credit report. These accounts, listed below, continue to be reported with the full balance despite being charged off by the creditors : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXX & XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX Under **15 U.S.C. 1666b**, **15 U.S.C. 1681i**, and **15 U.S.C. 1681s-2**, creditors and credit reporting agencies are required to report information accurately. I have reason to believe the reporting of these accounts is inaccurate for the following reasons : 1. When a creditor charges off a balance, I understand that I should receive a **1099-C form** indicating that the balance was canceled and must be reported as income. However, I have not received a **1099-C** for any of the accounts listed above. 
2. Once a **1099-C** is issued and the balance is considered income, the charged-off amount should not be reflected as an active debt on my credit report. Despite the charge-off, my credit report shows the full balance, which is inconsistent with the cancellation of debt process. 
3. Upon reviewing my credit report through **AnnualCreditReport.com**, I discovered these inaccuracies. It appears that creditors continue to report the full balance, which contradicts the nature of a charge-off, as I no longer have access to the credit associated with these accounts. 

I respectfully request that the CFPB investigate this matter and assist in correcting these inaccuracies. Specifically, I request that these charge-off accounts be removed from my credit report to reflect the correct status by federal law.
Product: Money transfer, virtual currency, or money service

I am filling 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 electronic fund transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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. 

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 : # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX has violated my rights 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 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: Debt collection

Good Afternoon, I called the company that have my account because this is the second or 3rd time they are taking my IRS returned. I though this account was closed and paid in total however I was told today the I still owned them XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX. {$1600.00}. XXXX which they took my $ XXXX refund to get paid. Again. This account was sold out by Army & Air Force Exchange Service in XXXX to them for collection although I didn't get any paperwork of the outstanding debt them or now I, according to XXXX XXXX the CP operations said that I still have an outstanding balance. This is not the XXXX time that they take my refund and keep my account open to collect the interest at 18.45 % therefore if they don't closed my account I will never get this over and I will continue owning money to this company!! I will need your help to find a solution to this. I will need your help to get any paperwork from the outstanding total and why this account still open when it was promised to be closed out last yearXXXX XXXX I was working under military orders in XXXX and XXXX therefore my husband tried to fix this issued they told him that was everything paid and now they are taking my refund and I still have an outstanding balance. 
PLEASE HELP ME WITH THIS ISSUE!! 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I requested documentation from the creditors such as statements showing I was in fact late otherwise update this late payment to paid as agreed. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XX/XX/XXXX {$510.00} XXXX XXXX and XX/XX/XXXX {$100.00} XXXX XXXX XXXXXX/XX/XXXX {$12.00} XXXX XXXX XX/XX/XXXX {$79.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} After 30 days I received no updates or documentation. I again reached out via phone to all three credit bureaus letting them know I had verified letters to creditors and bureaus to which I was told they had 60 days. Which is incorrect. A cycle is 30 days for response. This has been on going with these reports for over a year. I also have security breach letters from 3 of 5 creditors during my time with account with them.
Product: Mortgage

I tried making XXXX payments from XXXX month which did not go thru in XX/XX/XXXX and XX/XX/XXXX. I did not get any communication in email or phone or text message. All of sudden I see a credit score drop of XXXX points this morning for myself and my cousin. So I went immediately to PNC website and paid it off. But now, this has to be removed from my credit report as well as My cousin 's credit report.
Product: Mortgage

We were given a mortgage assistance grant to pay for one month of our mortgage. The company issuing the grant made the check directly to the mortgage company and gave us a copy for our records. The mortgage company contacted us a few weeks later to say they needed payment and had no record of a check. We contacted the grant people and they issued another check, this time by return receipt mail. They called us to say someone signed for the check so the mortgage company had received it. We made a payment for XXXX to keep from getting behind and the grant would just go to XXXX. Mortgage company called us again saying they needed payment. We talked to a manager who located the check and said we were ok. Now weeks later they are asking us for payment again saying they dont have the check. I'm afraid the company issuing the grant isnt going to want to write a 3rd check and the mortgage company is just going to lose it again. Our mortgage transferred to another company and that company says we are caught up. We are just dealing with the original company saying we owe them money and we dont. We tried to contact them again and no one has gotten back to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion to have inquiries removed off my credit report that i dont know anything about. Guy justgave me the running around here 's a list of inquiries1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7.XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment regarding the ongoing issue of late open accounts on my credit report. Despite numerous attempts, this issue persists, and I am compelled to address it for the seventh time. 

This repeated failure to address the issue is unacceptable and has caused undue stress and financial hardship. It is imperative that these inaccuracies are rectified immediately to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these late open accounts. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have new information verifying my dispute on XX/XX/2023 for {$2400.00} with XXXX XXXX. 
I called to open the reopen the dispute because the company has verified I did not make the transaction or plane flight. 
American Express is not allowing me to reopen the dispute.
Product: Debt collection

XXXX, XXXX, AND XXXX Subject : Debt Validation Request XXXX Dear XXXX, XXXX and XXXX I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to formally request validation of the alleged debt referenced above. Please note that this is not a refusal to pay but a request that your office provides the following information to ensure the validity of this claim : 1. Proof of Debt and Amount Owed : The exact amount of the alleged debt, including a detailed breakdown of interest, fees, and any other charges applied.

2. Creditor Information : The name and address of the original creditor.

A full itemized statement from the original creditor showing the history of the debt.

3. Chain of Assignment : Documentation showing the complete chain of assignment from the original creditor to your agency. This must include : A copy of the original signed agreement or contract between me and the original creditor.

A contract, bill of sale, or other legal transfer of the debt showing that your agency has the legal right to collect.

The names and addresses of all parties involved in the chain of assignment.

4. Statute of Limitations : Verification that the alleged debt is still within the applicable statute of limitations.

5. Authorization to Collect : Proof that your agency is authorized to collect on this debt in my state.

Please be advised that if you can not provide the requested documentation within 30 days of receipt of this letter, I request that the account be removed from my credit report and that you cease any further collection efforts. Reporting unverifiable information to credit reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Additionally, if the debt can not be validated, I request that any negative entries related to this account be deleted from my credit report immediately. 

I request that all future communications regarding this matter be made in writing. 

Thank you for your attention to this matter. I look forward to your prompt and complete response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the negative items that are still appearing on my record, despite having raised this issue with you some time ago. It is concerning that these inaccurate items have not yet been addressed or removed. 

I kindly request that you take immediate action to remove these inaccuracies. If this matter is not resolved promptly, I XXXX be forced to consider further action, including legal remedies.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In a

ccordance 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.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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt and I am writing to delete the following information in my file. The items I need deleted are unauthorized inquires from XXXX XXXX, XXXX and XXXX, and the account from XXXX XXXX opened in XXXX XXXX XXXX. These accounts are not mine. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Fair Trade Commission and I also enclosed copies of the Federal Fair Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I would like to resolve this as quick as possible and without involving my lawyer.
Product: Credit reporting or other personal consumer reports

MANDATE REQUEST!!

I HAVE A HARD INQUIRY AND ACCOUNT REVIEW INQUIRIES THAT WON '' T GO AWAY I NEED YOU TO FINE THESE COMPANIES LIKE XXXX AND XXXX
Product: Debt collection

On XX/XX/XXXX, I submitted 2 disputes to the CFPB regarding incorrect information reported to all 3 CRAs. XXXX and XXXX are the 2 case ids through CFPB. According to their reporting, no payments have ever been made towards the delinquent balance. However, they also reported a recent payment was made on both accounts. I disputed the open dates on both accounts and also the payment history is obviously incorrect as the information on the reporting contradicts the payment history. 
The company responded with regurgitated information which I was aware of. I explained in my initial dispute and also with conversations to XXXX I was in a homeless situation the dates these accounts were purchased by XXXX, but yet they responded about how they sent me mail. Obviously,, the mail was not received as I was living out of my car with no access to regular USPS mail. Even though they had my email address, they chose to use snail mail as a form of communication. 
The disputes were concluded by XXXX stating no further steps required and the issue is now considered closed. Yet before that statement a promise was made to send me a verification letter confirming the amount in collection is accurate. There was not an explanation provided for the inaccuracy of the payment history or the dates of the account. 
The account that was associated with CFPB report number XXXX was removed from all 3 CRAs within a couple of days of the dispute. 
CFPB XXXX remains with the inaccurate payment history and the promised debt verification letter was never received. 
XX/XX/XXXX, I called XXXX regarding the absence of the promised letter. The representative automatically went into collect payment mode. Totally disregarding my inquiry, I was offered reassurance simply by paying {$8.00} today by tomorrow my accounts would go into a pay status. I again inquired about the missing payment and she did confirm that XX/XX/XXXX a payment was made towards the account for {$54.00}. When asked about that information missing from my credit reporting, your account was not in a paying status which is why the amount was not reported. However, if I pay {$8.00} today which can quickly be achieved by giving her my banking information, the status of the account will be changed within 24 hours. Again, why didnt the previous payment not count? 
She confirmed due to the age of my account I will not be sued for the amount. I explained my goal after conquering homelessness but a diagnosis of advanced congestive heart failure limits my work options and right now I am only part time work from home. I would like to review the documents that were promised but not provided. She promised to get those out to me but in the meantime the best step I can take to get this cleared up is to pay {$8.00} today. I restated my desire to review the documents since the one payment is missing I would like to double check the history for any other missing payments and compare that to the amount they state is owed. Since you are refusing to make a payment there is nothing more I can do for you. I will get the letter mailed. And the call ended
Product: Credit card

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance regarding an ongoing issue with Bank of America, which has caused considerable frustration and financial strain. 

Approximately four months ago, I used my Bank of America credit card to pay for a cruise. Unfortunately, the cruise was subsequently canceled, and I was promised a refund. After waiting for several weeks without receiving it, I had no choice but to rebook the cruise using a different credit card. 

Since I did not receive the promised refund, I contacted Bank of America for clarification. They advised me to open a dispute regarding the matter, which I did in good faith, expecting a resolution. However, the process has been anything but smooth. 

Bank of America has repeatedly requested the same documentation, and despite my efforts to provide them with the relevant informationsuch as the credit card statement, payment details, and confirmation of the new bookingthey claim they either did not receive the documents or do not have enough evidence to support my claim. They have also declined my claim without adequate explanation, which has left me feeling both frustrated and powerless. 

I believe that I have provided ample evidence to substantiate my case, and I am concerned about the unprofessional handling of this dispute by Bank of America. As a consumer, I feel that I deserve a fair resolution to this matter. 

I would greatly appreciate any assistance or guidance you could offer regarding how to proceed with this issue. Your expertise in consumer rights would be invaluable to me during this challenging time. 

Thank you for your attention to this serious matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Navient was my loan provider. They misinformed me on all options of paying back. They encouraged me to do deferments and forbearance year after year. They caused me to be in debt and messed up my credit as interest piled up. I was charged late fees and mis informed. I couldnt get a home because of this.
Product: Credit reporting or other personal consumer reports

My personal information was stolen, several years ago when I filed my taxes. The company that processed my tax returns informed me that my information may have been compromised and to view my credit report. I did see several fraudulent items. I was advised to file a report and contact the credit bureaus. I contacted XXXX, XXXX XXXX, and Experian several times and they were not willing to assist me. I am filing a official report to have these accounts to be removed from my credit report. 

XXXX XXXX opened : XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXXXXXX XXXX XXXX XXXX opened : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBS recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account inquires i did not all or give authorization dates 2 different account bout for XXXXXXXX XXXX XXXXnd XX/XX/2022.