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

I bought concert tickets by credit card on XXXX XXXX XXXX and they refuse to refund right after I paid. The XXXX claimed that when purchasing, I have accepted the terms that the tickets are non-refundable. However, I never signed a document to agree that. I went through the buying process again and there's nowhere that I need to check to agree the terms. 

XXXX has bad record on CFPB website. Obviously, they still did not follow below two requirement. 
XXXX XXXX XXXX  - The defendants must affirmatively disclose that : their websites are resale marketplaces and not venues or box offices ; the ticket price may exceed the tickets face value ; and the website is not owned by the venue, sports team, performer, or promoter ; - XXXX must require all partners to sign written contracts promising to adhere to the order, and must take disciplinary action when partners violate the order and appropriately handle consumer complaints about venue confusion ; and Therefore, I dispute this transaction from Bank of America XXXX However, BOA said they could not pursue my dispute further because : - We're unable to obtain credit ( s ) for a service, or delivery of merchandise, that's scheduled to occur at a future date. Please contact us if the merchant fails to perform the service ( s ), or deliver the merchandise, after the scheduled timeframe ( s ) has elapsed. If available, please provide documentation from the merchant to support that they have no intention of rendering the service or delivering the merchandise in the future. 
- We understand you weren't satisfied with the quality of the service the merchant provided ; however, the merchant has the right to request payment for any services that were rendered. 

Since the event is not coming yet, I believe I had the right to return the ticket at the time I bought the ticket ( which hadn't been sold and the transaction hadn't completed ).
Product: Checking or savings account

I got settlement check from my attorney office and deposited it on my Citi Bank account.When Citi Bank send request to my Attorneys office for check approval my attorney office didnt respond on time and my account went overdrawn but same day i call to my attorneys offices and they wired same amount which was on check on my account, so problem was fixed same day.After 2-3 days Citi Bank closed my account because they told me that fraud department thought that it was a fraud transaction which is insane! They told me that after investigation i will get my money from 30 to 60 days.It was a beginning of XXXX XXXX XXXX I cant get it back and all the time Citi Bank is lying about dates.Im not a first person who is suffering from Citi Bank and please we need to do something with them.They just dont care about people! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and because of them im still not able to do it.Please Help me
Product: Debt collection

I have received regular calls every few weeks on my XXXX XXXX XXXX number from agents of ARA Services who say threaten to sue ( if I do n't immediately make payment arrangements ) to collect a debt allegedly owed to XXXX. I was told that I 'd receive a summons in the mail. I owe nothing to that company although I believe that if I did that it would be a zombie debt from an account that I may have had over 25 years ago ( which was closed with a XXXX balance I believe in the XXXX. I have demand that ARA stop calling me ) but the calls keep coming regularly every XXXX weeks, the latest being this morning from phone # XXXX XXXX XXXX in XXXX, IL. -- - I verified their number via a call back to the number and also was told that their address is XXXX XXXX, XXXX XXXX, IL XXXX.
Product: Money transfer, virtual currency, or money service

I want to add money to my savings account to start getting interest and to be accounted for in the chance to win XXXX Im am in much need of money in my life right now but this is not allowing me to do so : ( Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the following items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identify Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to TJ Maxx with my sister on XX/XX/18 at the XXXX, Alabama locaction.As we were checking out our merchandise the attendant asked would we like a rewards card.She never explained that it was a credit card or anything else about the card.She was actually being rude because instead of explaining the card to us she told ne to fill out some info the pin/card machine and sge started talking to another woman about something that happened earlier that day and she focused her full attention in her for 5 minutes when she should have been helping us.I ended up with a hard inquiry from Synchrony / TJX Company that I wouldn't have agrred to in the first place had I known it was a credit card instead of the rewards which is the term they use.I feel its away if tricking customers into signing up for something which they know little about.Any other store that uses the term REWARDS CARD in the area is talking about the cards that send you gift cards in the mail after you purchase a certain amout from the store.And to make things worse after she did focus her attention back to us she says " Well it wont drop your score but a few point '' Thats XXXX   and Im tired of being XXXX  around by people..
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : XXXX. XXXX discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that XXXX have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting or other personal consumer reports

The account was deleted from XXXX, Experian, and XXXX credit report. Now it reappears on my Experian credit report only.
Product: Bank account or service

I summited a dispute with all credit bueraus for Arvest Bank and they did not verify the debt. So credit bureaus did not provided verification of debt i am asking to have this removed off my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Here are a list of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I filed complaint # XXXX. Nationstar Mortgage was a part of the complaint. The Company answered backed on the complaint stating they were unable to locate the account in question. The account number in question is XXXX should n't have been a problem to find the account that referred to me, especially since Nationstar transferred a check out of my name and refuse to return it to me. They had me to endorse it and had me under the impression that they would be sending it back to me to make repairs on my home. The check was never sent to me. I also have other documents showing an account was in effect with Nationstar.
Product: Checking or savings account

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I tried to come to a payment solution with the private student loan company AES and I had lost my job and could not make the payments anymore. I tried to get them to lower the payment or do a consoldation to make it affordable. They said they was nothing they could do. So I paid what I could and then they started to refuse the payments. So it went into default and I have been trying my best to get back on my feet because I lost my job.
Product: Mortgage

Nationstar took XXXX as part of my last loan modification agreement and held it in an escrow account. I paid the remainder of my XXXX house payment of XXXX plus dollars and the amount added up to the total XXXX house payment. NationStar never advised me that the XXXX was going to be held in an escrow account and they refuse to use these monies for my house payment. XXXX persons I had spoken with during the month of XXXX noted to me that these monies would go to my house payment. I called them again today, XXXX XXXX, 2015 and was told these monies have been denied to go to my payment. I can not have mark on my credit file due to their dishonestly. They are stated they have the XXXX in a suspense account and the remainder of the house payment is in an escrow account because " they did n't know where else to put it ''. The loan modification process is also awful. Their customer service is awful and they have many persons in their customer service that refuse to give direct phone numbers to a manager. It took me over XXXX hour on the phone to speak with someone in another department and he spent another XXXX hour with me on the phone. At the end, he said I need to call back to their " loss mitigation department '' I know NationStar received federal $ $ for assisting with the housing crisis. I completely understand why a class action lawsuit was filed against them.
Product: Debt collection

XX/XX/year> Amount : {$6800.00} I had to move out the apartment because there was a bad leak in the ceiling that cause mold and flooding.I did also move out before the 90 days and they still charged my credit. I told them I can not pay because I have a lot going on.
Product: Debt collection

XXXX XXXX XXXXave used deceptive collection tactics to try to trick me into paying an allege debt. 

They have also threatened to take a legal action against me in the past. 

I have requested a copy of the original credit card agreement ( with the dispute resolution processes ) from the original creditor but they have refused to send it to me.
Product: Mortgage

I loss time at work from my XXXX  XXXX  while waiting to get accepted to have XXXX to help with my condition then after XXXX i didnt receive any income while recovering im now back to work iv called and tried to make arrangements they refused to accept the offer and said it needs to be paid in full now this company has been very hard to work with and when you call to work with them they are always very nasty and ruthless im not planning on going anywhere and need to keep my home would not like to be another veteran homeless when im able to get things caught up please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried to send the credit reporting complaint after complaint about dislitiqucy reports on my record. I had XXXX XXXX that are all paid off but they seem to refuse to take them off after i have asked the last 3 months. That is not reporting my credit report the right way by doing this please help. It is bringing my fico score down big time.. Thank u XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello my name is XXXX XXXX XXXX, I recently opened an account with Amex and I set up a direct deposit from my XXXX XXXX for it to be renewed at the start at every month. 

Then my best friend and his boyfriend moved in together and as a housewarming gift I gave them {$1800.00} on the card. He logged in the information to the XXXX XXXX Account but accidentally put in my nickname of XXXX instead of XXXX, or left out the middle initial. Anyway, the card blocked itself. 

After waiting collectively an hour trying to contact a real person to unblock it I got transferred to a call center in their XXXX, Arizona office. Once I let it slip out my mouth it was a housewarming/engagement present for a XXXX couple she said she had a bad connection despite calling me from a landline and I had to call back later, she said I refused to answer questions and I said I agreed to answer every question I was just giving context, she refused and said I called the wrong department but could she please transfer me to another colleague? She refused. I hung up. 

Twenty minutes later I called back on the other number and I was connected to the same lady. But this time it was her assistant, I was told after that she left for the day. By then I was infuriated I asked to be transfered to another person and if her personal life is clouding her professional judgement she shouldve transferred me when I asked. They tried to get me to talk to her again but I refused and said I would contact HR. 

Every email I tried to send and call I make goes unanswered to their head office. I even contacted the government agency and they wouldnt to do anything. 

This happened on the XX/XX/2018 I just want my card unblocked. I will cancel it on the next bill cycle its too much grief and I have wasted three days and five hours of my life. 

If you would help me with this I would be very grateful. 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports XXXX XXXX - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Accounts # XXXX, XXXX XXXX, XXXX, XXXX, ( ID : XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went over my credit report and I found account that are not mines from a XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXI do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my Trans Union, XXXX, XXXX  reports
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion just sent a response to my second complaint, # XXXX, about their failure to provide my credit score. They have once again stated that I need to pay {$9.00} for the credit score. I paid them {$15.00} for the score in XXXX. They cashed the check. I overpaid what they are asking. I still have not gotten my credit score. No one is listening to a single detail being given here, and I will keep submitting complaints, daily if necessary, to get this simple correction made.
Product: Credit reporting

I have been disputing information in my credit file with Experian and they fail to update and remove old information in my file. FACTA and FCRA state that negative information may only be listed for a period of 7 years. All information that is negative is to be removed or deleted after that time. There are items in my file that are older than 7 years. According to FACTA and FCRA 7 years is from the first reported delinquency date. There are items from 2009 still being reported on my file. I am given the run around with Experian. I dispute via snail mail and am sent letters stating that my inquiry is suspicious and I have to dispute online, I dispute on line and never receive anything via email or snail mail, when I log back on line its simply updated investigation closed. Pretty much Experian is not doing anything other than giving me the run around. I have informed Experian that I have contacted my states Office of Attorney General and they statute of limitation has expired, also the legal reporting period to be in my file has also expired and the information must be removed. Experian is in violation of FCRA