23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have submitted a dispute because I purchase a resort stay on my card. I was not able to take the trip due to Hurricane Beryl. The resort refused to issue a refund. 

I sent over the XXXX XXXX advising state of emergency and my cancelled flights. 

Citi bank closed the dispute in favor of the merchant. I never received my service and it was a state of emergency. 

I have been going through this since XXXX it is now XXXX. I have spoken to multiple supervisors that have also sent requests in to reopen the dispute and I have not heard anything. Some agent are rude and told me oh well. Its expensive to conduct investigation so they are not interested in reopening the case. It is not fair that I though I was protected in the event I was charged for something I had no control over. It was a natural disaster for goodness sake. 

The fact they brushed me off and didn't even look at the supporting document I have submitted. 

I will not be working with them after this is rectified.. The stress this has caused.
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 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 has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns About the safety and usage of the consumers
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct.
Product: Credit reporting or other personal consumer reports

A collection was added to my account on XX/XX/XXXX. I called the collection agency and inquired about why was there a collection reported to my account the collector stated that it is from the XXXX  from the hospital at which I gave birth in on XX/XX/XXXX. I informed the collector that I have moved to a new address since then and has not gotten any communications or bills from this XXXX  and asked why it was reporting in XXXX XXXX  years later. I informed the collector that at the time of the XXXX XXXX I had XXXX which in the state of XXXX XXXX XXXXXXXX covers XXXX  during XXXX XXXX. I sent the collector proof of XXXX as well as contacted the XXXX to get confirmation that this is covered and I would not have to pay the amount of {$810.00} and she confirmed. After speaking with the collector I filed a dispute sending email proof of my XXXX and they emailed back with the account number and information informing me that they have now closed the account. I filed a dispute with Experian because I was told in order to get this deleted from my credit report I would have to get in contact with Experian, I filed XXXX dispute and it came back accurate and followed up with a second dispute showing proof of emails sent from the collector showing that the account is closed. Experian then updated the report and stated that the collector disagrees with my dispute but I sent supporting documents to prove that they have now closed the account and the Debt was not owed by me. I am now complaining because I have tried calling Experian and can not get through I want this deleted from my credit report because it is not a debt owed by me and I have had no communications showing that I owed a bill to the XXXX. This is false information and its not getting removed by Experian.
Product: Money transfer, virtual currency, or money service

A transaction was made on XX/XX/2021 to a user named $ XXXX via the app XXXX in the amount of {$280.00} for goods I had purchased. A second payment was sent on XX/XX/2021 in the amount of {$20.00} for shipping costs related to the first transaction, however that second charge was disputed with my bank ( Bank of America ) and resolved. The other transaction was not. 

The person I made the transaction with used an app called XXXX to list fake items to sell. I had purchased a necklace from them not knowing it was a scam because they had used photos of another person 's listing illegally. They then proceeded to contact me under the XXXX XXXX XXXX and now XXXX and tell me they can not use XXXX to process the payment and insisted on XXXX. Thus, I made the transaction. After a few days I kept inquiring about the tracking number to no avail and they made excuses as to why they could not ship said item. Suddenly the account disappeared and all contact with the merchant was cut. I immediately requested a refund on XXXX which was rejected. Since I had no other choice I filed a dispute with Bank of America to which they responded that I can only directly contact the merchant to get my money back. I'm not able to do this since I have no personal information of this scammer and this was a fraudulent transaction. I did not receive the goods purchased and was scammed into sending money via the app XXXX because there are people conducting fraud on it. 

My dispute to BOA was submitted on XX/XX/2021. It took them over a month to respond to my claim. Bank of America had me to believe that they were reaching out to the merchant 's bank and that they would reach out to me on my end to describe the situation and provide documentation but after over a month they randomly closed my case with no support. 

I reached out to a XXXX  named XXXX through XXXX XXXX 's support and she stated they are unable to cancel or refund the payment and that I'd need to resolve the issue with the recipient of the money directly. I stated once again I'm unable to do this. It was very unhelpful and I'm reaching out to the CFPB to step in and provide some resources to get my money back to the rightful source and to make sure this person stops scamming people because they could still be listing items to get people 's money. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to the bureaus and nothing have been done i provided an FTC report still nothing. Im getting declined to credit cards due to these false inquires on my report.

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.
Product: Debt collection

I am interested in filing disputes against all inaccuracies on my credit report with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the bankruptcy record with Lexis Nexis and they sent a letter stating that it has been removed from my credit profile. When checking my report it is still showing under Lexis Nexis. I have a confirmation Letter and Case # confirming it was removed and would like them to follow through with the removal.
Product: Checking or savings account

On XX/XX/XXXX I electronically deposited checks into my account.Totaling $ XXXX checks are all legitimate, not fraudulent. Since they are able to verify the XXXX XXXX XXXX XXXX 
Or frozen my account and they have previously made transactions between my XXXX accounts to their benefit. But refuse to give me my money because of a phone problem. THIS IS IN REGARDS TO CHASE BANK
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of multiple late payments by these creditors to Experian. Their records incorrectly show several payments as late, even though they were made on time. This misinformation is unfairly damaging my XXXX XXXX and causing unnecessary frustration.
Product: Debt collection

XXXX XXXX XXXX XXXX just had some XXXX show up to my ex-neighbors house harrassing them and leaving notes on their door regarding sueing me I can not take the repeated phone calls and letters after I asked them not to contact and harass my family and friends but to no avail today was the last straw and I have proof someone harrrased my neighbor.
Product: Credit reporting or other personal consumer reports

Im reaching out because this account XXXX XXXX XXXX with number XXXX is showing up wrong on my credit report as CollectionOrChargeOff, and its really holding me back. You mentioned that this account was opened on XXXX, had a date of last activity of XXXX, and was last verified on XXXX. This information is incorrect, and I demand that you delete this account immediately. This inaccurate report is seriously affecting my ability to reach my financial goals, such as securing a loan or refinancing my mortgage. Under 15 U.S.C. 1681i, I have the right to request the methods and documentation used to verify this information. Additionally, I want you provide me with proof that I owe the {$1500.00}, as I am certain I do not owe this amount. 
Cases like Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) demonstrate that credit bureaus have a legal obligation to conduct thorough investigations. Please handle this matter promptly. 

Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
Product: Debt collection

Back in the late XX/XX/XXXX i had a XXXX credit card. I used it to buy throw pillows. When i got the bill i went to pay it at XXXX and i also cancelled the card. Reason : XXXX is too expensive! I signed a form sayin the bill was paid in full and that i cancelled it. In XXXX 2017 i got a letter from pressler and pressler sayin that they put a judgement on me for a XXXX credit card bill. They said i owed XXXX {$630.00}. And with their fees it came to {$1000.00}. I contacted them and told them i wasnt aware of this and that it was paid off and cancelled a long time ago. I spoke to a XXXX XXXX he asked if i still had the form when i cancelled it. I said no who keeps forms like that from so long ago? And he said since i didnt have proof. That i had to pay. I said nope not paying something i dont owe. And he proceeded to tell me they would harass me til my death. That i would be arrested if i didnt pay the debt. I have gone on the court website screen shotted everything and when i went back to it a few days ago half of what was on the site was gone. So the info has changed. The last time something was entered was XXXX XXXX2017 execution postcard was sent. I do n't have a clue what that is but it never came. Ive put a security lock on my credit report so they cant access it. Ive closed out all my bank accounts so they cant take anything. Ive done alot of research on these lawyers and their unethical collection practices. Im still waiting for proof that i owe this debt. They havent sent anything but subpoena questionnaires asking about my assets. Ive gotten 3 so far. One i sent in i didnt put personal info on it. I figured they had all my info why give it again? The last paper i got from them was in XX/XX/XXXX saying i had to reply in 7 days or risk being arrested.
Product: Checking or savings account

This compliant effects access to following accounts Checking XXXX Savings XXXX LOC XXXX Events occurred on Thursday XX/XX/2021. 

I can not access account. I get following message " Citibank. For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code XXXX. '' Online Customer Service at XXXX is unable to help. I have provided them with names on accounts, debit card number, and last four multiple times. Operator flat out said " I can not assist. '' I asked to be connected to supervisor. No one picked up As noted Customer Service Rep clearly said they will not assist. 

I attempted to reach out through a DM via XXXX and was equally unsuccessful. They have not provided solution or offered to connect me with someone who can.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the report active is inaccurate, and date last reported is inaccurate. This ground for removal also violated my rights under.

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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX Equifax XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX ) account-XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) accountXXXX XXXX XXXX XXXX I believe there may be inaccuracies in the reporting of these account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of any information that I believe to be incorrect. Please provide me with the details of the investigation conducted to verify the accuracy of these account information. 

If the information can not be verified, I request that it be promptly removed from my credit report. Please send me written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

The card was originally a credit building card in which I placed a {$100.00} deposit. In XXXX of 2022, I called the company requesting that the deposit be sent back to me as the card had since been closed. The company informed me that a check had already been sent out, but I never received it, and the company stated the check had never been cashed. The company voided the check and reissued it. At some point during that action, a {$100.00} charge was posted to my account by the company for this. 

I was only informed of the charge when I began accruing interest on it. I called the company several times over the course of the next eight months trying to resolve this charge. Each time I called, I was informed in no uncertain terms that the charge was going to be removed from my account and to disregard further communications as it would take time for systems to update. The charge was not removed, and has since accrued over {$200.00} of interest. This has been harming my credit score over the last eight months as well, preventing applications to other credit institutions. 

I have spent several hours on the phone with the company in attempts to resolve this. Each time I call, representatives make promises about the removal of the charge, and the next representative informs me that there was no action taken and the charges continue accruing. I have spoken with supervisors, I have spoken with various departments, I have done all due diligence possible, and the company continues giving me the run around and refusing to remove the superfluous charges. 

This has become an extended scam where the company promises resolution while letting interest charges rack up on the card, holding my credit hostage to force me to pay charges I never accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

N

othing was done it's been 32 days and i need this information remove! All Hard Inquiries and soft Inquiries as well 11. Names 21. Address 2. SSN Variations 4. Employes 5. Other Records
Product: Credit reporting, credit repair services, or other personal consumer reports

I experienced a sudden drop in my credit scores. I requested a copy of my credit report and discovered negative remarks that were added on XX/XX/2021. The account with the negative remarks is an old closed account and has inconsistencies with all XXXX bureaus. I submitted a dispute letter to investigate. A letter was sent back stating that the investigation was complete and verified as accurate, however, information unrelated to your dispute has been updated. I sent another letter requesting information on who was contacted, the method of verification etc, and was sent a second letter ( from Equifax as well as XXXX XXXX ) with the very same, verified as accurate, however, information unrelated to your dispute has been updated. I have sent yet a 3rd letter certified with a return receipt requesting the same information via XXXX. My information has also been compromised and there are incorrect phone numbers and addresses listed. I am taking steps towards correcting this as well. All 3 bureaus have inconsistent information on this same account.
Product: Money transfer, virtual currency, or money service

I was charged unauthorized transaction and money was taken from my account and my account was closed due to this and a check that I never received money on XXXX XX/XX/2021 {$180.00}, XX/XX/2021 {$220.00}, XX/XX/2021 $ XXXX $ XXXX {$230.00}, XX/XX/2021 {$270.00}, XX/XX/2021 {$270.00}, XX/XX/2021 {$300.00}, XX/XX/2021 {$440.00}, XX/XX/2021 {$480.00}. 
And check that was cashed but I never saw any of that money and also I told the bank I was scammed with that check I also went to file a complaint at police department for it that was XX/XX/2021 and the check was deposited on XX/XX/2021 of {$3400.00}
Product: Checking or savings account

During the month of XX/XX/year>, our checking and saving accounts were hacked, ( monies depleted from our accounts ) and our bank, Fifth Third Bank, XXXXXXXX XXXX is not replacing our funds. This complaint was filed over one month ago with the bank and their fraud department is now telling us that it will take another month to work on this problem. 
Can you help us with this procrastinating and bad storytelling institution? 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. In my letter I requested the following : 1 ) Update my name 2 ) current address 3 ) Remove my previous addresses 4 ) Remove employers 5 ) Delete these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Here is the deal ... I do n't owe a debt collector as this issue is with Collins Asset Group and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to XXXX credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00}, XXXX XX/XX/2022, XXXX XX/XX/2022