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

To whom it may concern : I have been trying to get a refund in the amount of {$4600.00} from XXXX XXXX XXXX XXXX for booking # XXXX. Sailing date was supposed to be XX/XX/2020via XXXX out of XXXX, FL. Trip was cancelled due to Covid-19 per CDC and US Dept of State 's no sail / travel order. 
XXXX sent by email an option for 100 % refund, which I requested on XX/XX/2020. 

XX/XX/2020 - I filed disputes related with Citi credit card for all XXXX charges because I was fearful XXXX wasn't going to refund. Citi is investigating ( note that all charges concerning trip were paid off in full late XX/XX/2020 ), but, now it appears they ( Citi ) are holding my money. 

XX/XX/2020 - the only charge that was made from my personal checking account to XXXX for a spa treatment for my significant other was refunded in the amount of {$79.00}. This tells me they ( XXXX ) are in the act of refunding. I then called XXXX and they gave me itemized list via phone for all charges and said they were refunded late XX/XX/2020 early XX/XX/2020. The representative also told me that the bank ( Citi ) was now supposed to be streamlining this process. I am currently trying to get proof of refund from XXXX through documentation. 
Citi said they have received no payment from XXXX 's bank and I am hearing the same thing over and over from them ( I have 15 pages of documentation of correspondence through Cit 's messenger app. ) I have contacted XXXX XXXX XXXX XXXX, Citi, US DOJ, South Carolina Attorney General, and CFPB.
Product: Credit reporting or other personal consumer reports

XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX  XXXX XXXX THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY
Product: Debt collection

I had a contract with a small XXXX XXXX that XXXX XXXX calls to/from XXXX XXXX XXXX was bought by XXXX & my coverage plan was grandfathered in In XXXX Suspended cell for 2 months while traveling internationally Called to reactivate Agent offered better plan instead I repeatedly CONDITIONED acceptance of NEW PLAN on continuation of free service to /XXXX XXXX Agent repeatedly assured me it would be free Months Later found out she thought XXXX XXXX was part of XXXX XXXX & incorrectly Made repeated assurances it was free Got 1st bill in XXXX XXXX XXXX they had billed me extra - i paid base fee - they wrote off $ XXXX & said they would fix it Next month bill was {$400.00} too much - wrote off excess again & said they would fix it Next month was $ XXXX too much This time they refused to write it off After many hours off verbal & written communication They explained they could not reactivate my original plan I refused payment - they sent it to collection 7 years later Now on XXXX or XXXX collection agency This was a bait & switch & i want it OFF my credit reports
Product: Credit reporting 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 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a XXXX of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Validation of Account : XXXX Dear CFPB, I am writing to formally dispute the account referenced below that is appearing on my credit reports with XXXX and XXXX. This account is not mine and has been inaccurately reported. Despite disputing this account on multiple occasions, I have yet to receive any communication or validation of this account. I am now requesting your immediate intervention to ensure compliance with the law and that this matter is resolved promptly. 

Disputed Account Information : Account Name : XXXX  Account Number : XXXX Credit Bureaus Involved : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Current Status : Closed, Paid Comments : I have not authorized this account to appear on my credit report, and it is not mine. The account should be removed immediately as I have requested validation on several occasions without any resolution. 
This letter serves as my formal demand for validation of this account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide original documentation, including any signed agreements or contracts showing that I am responsible for this account. If such validation can not be provided, I insist on the immediate removal of the account from my credit reports.

Furthermore, I assert my rights under the following laws : FCRA Section 611 : My right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( a ) ( 1 ) ( A ) : My right to request information and documentation related to any item of information on my credit report.

FDCPA Section 809 : The obligation for a debt collector to validate the debt upon request. 
As of today, XX/XX/XXXX, I have not received any communication regarding this matter, and the account continues to damage my credit unlawfully. I demand that all inaccurate information be removed from my credit reports immediately. 

Thank you for your immediate attention to this matter. I trust that the CFPB will handle this issue in accordance with the law. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system leaving users 's vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns of consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX these are hard inquiries that i know nothing about!
Product: Credit card or prepaid card

Hello, I recently became employed with my company and received the XXXX XXXX XXXX prepaid card in XX/XX/2018. Second time of get paid on XX/XX/2018 XXXX was taken out of my account by an unknown merchant. In XX/XX/XXXX I had noticed the charges now and it has been now {$510.00} or more. When contacting money net work I have followed everything that have asked me to initiate a proper dispute and still no resolution. Nor an explanation of why I can not get my credit that I earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Refuses to Perform Its Obligations Under FCRA 611 ( 5 ) ( A ) ( i ) By Their Refusal to Verify the Five Items of This Dispute As Requested in My Most Recent CFPB Complaint # XXXX
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM O 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 TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my XXXX Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by XXXX and they said the lease payment was past due, however I the representative from XXXX told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with XXXX and the credit bureaus but no one seems able to help me. The XXXX XXXX XXXX XXXX XXXX has already been paid in full.
Product: Checking or savings account

We recently opened an account with Relay and literally JUST started using the accounts to test out the accounts before completely transferring all our funds over, which is apparently the wiser choice since depositing our VERY FIRST mobile check deposit into our accounts was put on a hold or available funds would not be available until TODAY! Once receiving the alert the funds were deposited, logged into our account and they are FROZEN!! Called for information, emailed for information, requested an immediate call back, and nothing! When speaking with someone upon calling the customer service number no one knows anything and can give us no information other than " XXXX '' is the one that froze the accounts and deactivated our cards to the account and " they '' or " that department '' is and are the only ones that can UNFREEZE our accounts. 

This has been a complete surprise for us ESPECIALLY since the only emails about the funds from the check have all been answered promptly and with the " proof '' or whatever was requested from both XXXX from Relay Financials Customer Operations Team ( Compliance Specialist Relay ) and XXXX ( Account Protection Specialist ). 

AND upon sending the items or emails in response, AS REQUESTED, there was never an email back saying the information was received or not received by either individual, directly and therefore one would ASSUME that the no news is good news or that all is well CONCERNING THE QUESTIONS ASKED OR INFORMATION REQUESTED. 

The last email from XXXX ( Account Protection Specialist ) said the information would have to be received by the XXXX to be sure the funds would be credited and the said mobile check deposit would then be approved and cashed into the account. Please see the attached communications between myself and these named individuals showing the response on both in a very TIMELY MANNER and yet here we are with FROZEN ACCOUNTS AND OUR FUNDS STILL UNAVAILABLE TO US OR OUR BUSINESS!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and Equifax have violated my rights as a consumer under FCRA 15 U.S.C. 1681e ( b ) " ( b ) Prompt reinvestigation of disputed information. After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In essence, 15 U.S.C. 1681e ( b ) requires the following : When a consumer disputes the accuracy or completeness of information on their credit report, the consumer reporting agency ( CRA ) must conduct a prompt reinvestigation. 
The CRA must complete this reinvestigation within 30 days from the date it receives the dispute notice from the consumer or reseller. 
The CRA must determine whether the disputed information is accurate and must update the consumer 's file with the current status of the disputed information. If the information is found to be inaccurate, it should be deleted. 

If the CRA can not verify the accuracy of the disputed information during the 30-day period, it may be required to remove the item from the consumer 's credit file. 

Please see attached copy of reporting errors still on my credit report there are multiple violations and I demand this account to be deleted from my credit report. 
Listed below are the inaccurate information. 
1. Full account number not provided.

2. Account status different across all 3 agencies.

3.High Credit -incorrect 4.Date Opened -incorrect 5.Date of last activity -incorrect 6. Last Reported date-different across all 3 agencies.

7.Comments-different across all 3 agencies.

8. Account status I demand this account to be deleted or face legal actions.
Product: Debt or credit management

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report related to accounts reported by XXXX XXXX XXXX 

( XXXX XXXX XXXX XXXX Account Number XXXX : # XXXX Account Number XXXX : # XXXX Account Number XXXX : # XXXX The presence of these accounts violates my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which requires credit reporting agencies to ensure maximum possible accuracy in the information they report. Additionally, per [ 15 U.S.C. 1681i ], I am entitled to dispute inaccurate information and have it corrected or removed promptly. The FCRA also states that a consumer reporting agency can not furnish an account without my written instructions.

The presence of these unauthorized accounts constitutes a violation of the FCRA. These errors are negatively affecting my credit report and financial well-being. I kindly request an immediate investigation into these accounts. Please remove or correct all inaccurate information related to this matter as soon as possible. 

Attached to this letter, I have included a copy of my credit report highlighting the disputed accounts and any other documentation necessary to support my claim. Please provide confirmation of your investigation and any updates made to my credit report.
Product: Student loan

In XX/XX/2018, I had my loan service switched from XXXX XXXX XXXX to XXXX in order to be eligible for loan forgiveness via income driven payments. The first payment that was due in XXXX was applied by a XXXX representative, over the phone using my credit card. After that first payment, I started to make payments online. All of my payments have been paid on time, actually early, and I always pay the full amount of {$370.00} and apply the payment to all loans. All of a sudden, in XX/XX/2018, I received a message that I had a past due amount of {$50.00}. That's impossible when I consistently pay {$370.00}, on time, every month. So I called the company to ask why I owed {$50.00}. I talked to two different representatives in which I did not get clear answers. Then I receive an email saying that I over paid on one of my loans. Which again is impossible because I consistently pay {$370.00} on time every month and apply the amount to all of my loans. I don't pick which loans to pay on. I call the company a second time and a lady says she would submit a request to have my payment reapplied. The next thing I know, my loan status is now in forbearance. Again, I call the company asking how and why I am in forbearance. I was told I asked for forbearance, which I didn't. I explained to the representative that I would not ask for forbearance because the sole reason for switching to XXXX XXXX was to be eligible for loan forgiveness. Accounts in forbearance are not eligible. During this phone call, two representatives go back and forth trying to figure out why I owe {$50.00}. They then end up telling me I paid on all my loans except the one that is past due and that I asked for forbearance. I then told them that was not the case and there must have been a misunderstanding somewhere in the phone call with the last representative. I tell the representative to take me out of forbearance. She said she would and then transferred me to someone else to make a payment of {$50.00} which I wasn't going to pay. I ask the next representative, again, why do I owe {$50.00}? She ended up saying she did not know and that it was confusing since I have been making appropriate payments, so she submitted another request to fix my account. Now, for the month of XXXX, it still says I owe {$50.00} plus the regular {$370.00}, but there is no past due message. I also notice that I do not even see that my past payments were credited to my qualifying 120 payments for loan forgiveness. I just need answers, I need my account status to be corrected, and I need my payments to qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many unverified inquiries in my report. These inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX 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 XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/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 card

American Express cancelled all of my cards with them one day unexpectedly. With no reason why. When I apply for a new card, I recieve a generic denial : " We are writing to let you know that, unfortunately, we can not approve your request because we have determined that you have previously engaged in abuse, misuse or gaming in connection with one or more American Express accounts. '' I have no idea what this means. and have called the XXXX number several times to figure it out what terms of service I broke, no respresentitive can give me an answer.
Product: Debt collection

This company repeatedly calls me at  XXXX  and  XXXX  Alaska standard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND COLONY BRANDS, XXXX, XXXX XXXXXXXX, GINNYS, XXXX XXXX ARE FALSLY REPORTING ON XXXX.
Product: Mortgage

I requested a modification review. I provided all of the requested documents. After I gave them ALL of teh requested documents, they started requesting more documents. I gave them those additional documents. They confirmed that they had all documents and suspended the foreclosure sale date based on that. Then about 2-3 weeks later, they called and requested more documents. However I do not have these documents. They asked for Balance Sheets. Assets and Liabiltiy and Schedule E documents. I contacted my CPA and he stated they are asking for financial documents that I am not required to create as I am considered a disregarded legal entity in the eyes of the IRS. I called and called and called and explained that until I was blue in my face. I received an update in XXXX that the foreclosure would move forward without these documents. I spoke to a manager named XXXX XXXX, he verfied with me that they DID NOT NEED those documents once he spoke to the underwritier and he would get this fixed. He is now on vacation .. I am still getting calls from the sinble point of contact and provided what they wanted and my house was still moved to foreclosure with a sale date of XX/XX/2017. I also have a CFPB complaint that I filed regarding this and BEFORE the new foreclosure date ... so Wells Fargo has been notified about this problem but has not responded to the CFPB Complaint. I got a letter in the mail dated XX/XX/2017 from Wells Fargo that my modification is still pending..however they still moved my home into foreclosure. This is called Dual Tracking and it is against the law.
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a trip on XXXX. When I got my itinerary, I saw that they had changed my airlines. As soon as I saw the discrepancy, I started to try to contact all parties involved for up to three days, then on the fourth day, I filed a dispute with my credit card which is Capital One. They filed it, but they were told the tickets were non refundable. It would have been fine if I had booked this but I did not choose what I was given. The trip was not planned until XXXX, so it is not like I canceled at the last minute. Well both airlines refused the claim and told my credit card to tell me to just accept the flight credit. This is not acceptable since I did not choose these two airlines but neither airlines nor Capital One will listen. XXXX XXXX basically told me they have taken my money and will not let me fly and Capital One said that it is too bad. Now the Spirit airline is saying I have a flight credit, which I do not want because they dont even fly out of my area, but it has been a month and a half and I still have not gotten anyone to talk to. Capital One tells me that is too bad. The first flight money I lost was XXXX bucks and the one I trying to dispute with no luck is XXXX bucks. I do not think I should be stuck with this but the company will not do anything else, nor can I get anyone on the phone that knows what is going on.
Product: Debt collection

I have disputed a charge from Convergent Outsourcing 3 different times. I have never had a XXXX  account and have asked that this collection be removed from my record. 

They respond and say they have " verified '' that it is my account without any proof whatsoever. 

I am requesting that they provide PROOF that this is my account. They can't and I need for it to be removed from my credit record. 

Thank you.