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

To Whom It May Concern, On XX/XX/XXXX I decided to purchase a roundtrip plane ticket with XXXX XXXX from XXXX to XXXX. The plane ticket was purchased at around XXXX local time. Early the next morning I realized I had to change the timing of one of the flights and called to make the change. I was told by the phone representative there would be a change fee. I inquired about the fact that whenever Ive flown another airline I was able to change or cancel my flights within 24 hours for no fee. I asked about canceling the whole ticket and rebooking online. I was told there would be a cancelation fee as well. With a feeling of remorse and feeling disgusted, I relented and paid the fee. This occurred before XXXX on XXXX XXXX, XXXX, a mere 12 hours after the booking. The total amount for the change fee was {$560.00}. <P/>Some time after this, when meeting with a colleague who is a lawyer, he pointed and explained to me how theres a US law that explicitly states that ANY airline, domestic or foreign, that is traveling TO or FROM the US must allow 24 hours free cancelation to whoever books a ticket originating or departing from the US. After learning this I was outraged. I called XXXX XXXX demanding a refund for the change fee and was told no. I decided to dispute the change fee transaction with American Express, the company I decided to charge that transaction with. I submitted a written explanation along a copy of the US law. I was told no. I resubmitted the information a second time along with another explanation and was told no over email. I cant get a hold of anybody from the disputes department, and theres no way anybody can pass a message. I decided to cancel this specific account with American Express and Im becoming an advocate for people not to use their cards. However, they are not proceeding in the correct way since they are not siding with me in this particular case, a US citizen following US law. My goal with this complaint is to hear directly from American Express fraud and disputes department with an explanation of why they are not siding with me and not following US laws and regulations. It is amazing that a foreign company is ripping off a US citizen, and the American company responsible for helping me is siding with a foreign company. <P/>Sincerely, XXXX XXXX XXXX
Product: Credit card

I placed an order using my Sears Gold Mastercard. Two weeks later a freight carrier called to schedule a delivery. I informed the carrier that I wanted the opportunity to inspect the package to ensure that there was no damage, and that package contained what I ordered. The carrier responded that I would have to pay the an additional {$100.00} to the vendor. Since that would have been a cost over and above the agreed upon purchase price, I told the carrier I would not accept the delivery. No attempt was made to deliver the item. The vendor charged me the freight to return the item, and a restocking fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX
Product: Credit card

Between XXXX and XX/XX/year>, I discovered unauthorized purchases on two separate Navy Federal credit cards. On my Navy Federal XXXX XXXX card ending in XXXX, unauthorized charges totaling over {$13000.00} were made to XXXX. On my Navy Federal XXXX ending in XXXX, unauthorized charges totaling {$10000.00} were made primarily through XXXX and XXXX. 
By midXXXXXXXX XXXX, I took the following actions : Filed separate disputes with Navy Federal for each card Requested and received new card numbers Contacted all vendors ( XXXX XXXX XXXX XXXX ) directly to report the unauthorized accounts and requested immediate account freezes and closures Provided all requested documentation to Navy Federal Navy Federal initially provided provisional credits for the disputed amounts totaling approximately {$23000.00}. However, they later reversed these credits, claiming their investigation found the charges were authorized. They provided no explanation of their investigation findings, no documentation supporting their decision, and no information about the appeal process. Despite my multiple attempts to obtain this information, Navy Federal has not provided any details about how they reached their conclusion.
Product: Credit reporting or other personal consumer reports

It has come to light that you have not ceased the accounts after I provided a copy of the FTC report. As mandated by regulation 605b of the FCRA, I am sending this complaint to facilitate a lawful resolution. If you choose not to halt the following items listed below, which are inaccurately reported due to fraud, I will forward my documents to my attorney to initiate legal action. My intention is to avoid pursuing any legal action, so please adhere to the law. 
XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC, XXXX
Product: Checking or savings account

I went to the XXXXXXXX XXXX branch in XXXXXXXX XXXX to open a checking account and get the bonus offer. 

After providing my personal information online they required I go in person in a bank branch to finish opening my account. 

After arriving for my appointment and providing the offer from postcard I received in the mail. 

The XXXX bank employee made various claims not listed in the fine print about the offer. Such as the claim code is probably not going to work. Refused to agree to honor the code if it is no applicable. Refused to make any claims about the offer being valid at all. The employee claimed any remediation requires having an account open for 1 year first. 

After taking my personal information they saved it to their systems. 

It looks like a scam.
Product: Debt collection

XX/XX/XXXX new account # XXXX on my credit report debt collector company.. phoenix financial services ( bussines type yc ) XXXX XXXX XXXX XXXX XXXX XXXX in XXXX debt amount {$1000.00} .00 account to old to be on credit report and inacurate amount of money. Acct previously closed and removed on 3 mayor credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting multiple medical collections on my credit report. ( Please see pages 11, 12, and 13 of the attached credit report. ) I have attached a spreadsheet listing the name ; account number and amounts of the medical facilities that have been paid directly by my workers compensation claim. There are no outstanding balances due and owing. This incorrect reporting is harming my credit score and all of these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus directly to resolve this, but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

CROOKED NOT HONORABLE COMPANY!!! LIES, LIES AND LIES. 
I was solicited by XXXX 
I've replied to this company in XXXX of XXXX, and told them that I am open for offers, however, if they are going to do hard credit pull before showing me possible terms, I am not interested. 
The case was closed. 
However about 3 month later Hard credit inquiry appeared on my credit, without my consent or knowledge. On XXXX After contacting them and speaking to Manager XXXX, I was told pretty much that they reserve the rights to pull my credit anytime, and without my consent, which is ridiculous and not acceptable. I want this unauthorized inquiry removed from my credit report, and all my personal records destroyed and removed from their database. My credit score dropped due to such unauthorized inquiry. Dishonorable company!!!
Product: Debt collection

on XXXX/XXXX/2015, I filed an dispute with XXXX XXXX XXXX , XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX XXXX XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX XXXX XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX XXXX XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA XXXX XXXX XXXX XXXX me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy, accuracy and fairness 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 See screenshots to show how the reporting makes no sense. Fox collection failed to validate this or explain to me why these inaccuracies exist.
Product: Credit card or prepaid card

I have a Chase XXXX XXXX XXXX that is linked to United Airlines. It has a yearly fee of {$95.00}. In exchange for the fee, it promises ( among other things ) 2 United Club one-time passes per year. These are supposed to be distributed automatically on the anniversary of receiving the card. I didn't receive any for this year. I asked for them and after many hours on holds was told that they would eventually be distributed to me. I've never received them. I have paid the fee though.
Product: Student loan

My issue is with Mohela loan servicer for my federal loans. They implement inhumane wait times, regularly drop calls, and provide inaccurate or contradictory information.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX  XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
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 confidentially under 15 USC 1681.15 U.S.C 1681 Section 602 A. states I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) is reason to believe that the information is inaccurate and this account should be removed from my credit file. 

This Is in regards to Account # XXXX XXXX XXXXXXXX XXXX, Balance of {$5200.00} XX/XX/year>. 

in accordance with : 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

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 to believe that the information inaccurate and violating my federally protected rights. I'm respectfully requesting these accounts be deleted. Thank you for your time! Pursuant to the FCRA and the CFPB my rights are clearly in violation and Im requesting that these accounts and inquires also attached be removed accordingly and at your earliest possible convience!
Product: Credit card or prepaid card

I was XXXX  on XX/XX/2016 and was XXXX XXXX XXXX XXXX XXXX XXXX. I had become aware that my credit card account had been closed and a charge-off reported to the credit bureau XXXX I reached out to the company to inform them i was currently XXXX  and didn't give anyone permission to use my card. They requested information that i provided and now they are giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a consistent issue with credit reporting agencies. For one XXXX won't allow me to get a free credit report unless I pay their subscription fee I have tried to get one through XXXX XXXX XXXX and it will not allow me to pull one. Also, my XXXX XXXX XXXX account is constantly reported as inaccurate. Just recently after a dispute they have reopened my account on my credit report which is a flagrant violation of the FCRA as they are attempting to re-age/keep the account open longer and change factual information related to the dates. I have submitted a 609 and 611 letters to Equifax and XXXX they both ignored the 609 letter requesting sources of information used and to provide those to me. ALSO I submitted a 611 letter just recently demanding they provide me the sources of contact etc used for their investigation XXXX no longer lets me submit disputes on the account and tries to prevent me from disputing it at all. The account in question has repeatedly opened and closed the account attempted to re-age and reports incorrect balances on all bureaus resulting in financial hardship resulting in denial of Mortgages loans etc when I would otherwise be able to attain these loans. I understand the account is on their for a reason BUT they flagrantly try to ruin and destroy my credit through shifty and shady means and the credit bureaus illegally are allowing this to happen. Also, I have tried a credit repair companies several to say the least to fix the issue and they flat out told me they will not process disputes because I use a thrid party and they believe the disputes are fraudulent as it is not me. Whereas under the FCRA it is my right to use a third-party credit repair company at my leisure and I am well within my legal right to as well. Please look into and charge/fine the 3 bureaus for failure to follow federal law under the FCRA as they refuse to help consumers and only strive to help creditors ruin and damage a person 's credit report to try and force them to pay a time-barred debt. ALso clarifying that XXXX will not allow me to access a credit report and or allow me to dispute any items except through XXXX XXXX unless I pay their XXXX monthly fee or they have illegally locked me out due to the fact I did use a third party credit repair agent to try and fix items under my behalf such as XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX 1 Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX  XXXX 1 Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit card

30 day late payment assessed. Payment sent XXXX XXXX, not processed until XXXX/XXXX/15
Product: Credit reporting or other personal consumer reports

I dispute the collection through all three credit bureaus. Each time the account came back verified and accurate. Sent two separate validation requests of the debt there was never no response nor resolution provided.
Product: Student loan

Navient is fraudulently claiming I owe money on 3 loans totally {$6000.00}. I have NEVER done business with this company ; I DO NOT owe them any money ; They REFUSE to stop negatively reporting on all 3 credit bureaus ; They REFUSE to correct my credit report, which is now negative SOLELY because of this fraudulent business! Due to my diligence and vigilance in trying to correct these erroneous errors on my credit reports, this alleged fictitious debt is remaining on my report ( though outdated ) because the clock keeps resetting itself. I have tried everything, short of a lawsuit, to prevent company from continuing to besmirch my reputation and ruin my good name and credit. I am extremely flabbergasted that they are still able to operate as a legal business as it is a known fact that they are fraudulent and have deceptive practices. I am asking for a cease and desist resolution that Navient cease all communications with me ; remove their entries on my credit reports ; and correct all erroneous data on my credit reports expeditiously.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with 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 the Electric Fund Transfer Act ( EFTA ) and Regulation 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

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my XXXX letter that I filed as well for Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Experian. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. This complaint is sending due to the new evidence. XXXX credit Bureau is violated the law of FCRA and my rights. In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
Besides XXXX is reporting incorrect information on the account XXXX XXXX XXXX- the payment history of this account is incorrect from XX/XX/XXXX to XX/XX/XXXX. None of the payment was missed. 
Please remove incorrect information from my report immediately.
Product: Debt collection

Received a telephone call on XXXX XXXX, 2017 at approximately XXXX XXXX. from someone who called themselves " XXXX XXXX '' demanding to know if I was the correct person he was talking to. He did not identify the company. He then demanded in a loud, abusive voice that I confirm my address. I asked him who he was and what he was calling about. He said, " My name is XXXX and you have to confirm your address so that I can tell you about a serious situation you are involved in. '' I declined to confirm my address, asked him his company and he told me is was XXXX. When I told him I would not confirm any information not knowing what he was calling about, he threatened me. He said that something more serious would happen. I hung up, He called back and said, " Is this the way you are going to handle this serious situation '', again in an amazingly threatening tone. I explained again I would not share information with him and in fact was going to call the police if he called again. I have no credit issues and had absolutely no idea why he was calling me. It was the most abusive, disturbing call I have ever received. I am completely distraught and afraid that this person is a predator in some way. Only after " XXXX '' the company name did I realize it was some kind of " debt collector ''
Product: Vehicle loan or lease

Company has wrong dates and payment amounts for lease payments, company changed monthly payments Without consent, company has wrong information for address refuses to change or update information. Illegal reporting and contacting of me and others regarding lease