23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I booked a travel package on XXXX XXXX XXXX XXXX XXXX through the XXXX XXXX which contains flight +hotel for XXXX price which created a purported savings, with a XXXX Itinerary XXXX XXXX. At XXXX XXXX of sale, it clearly states that I will not be charged a fee if cancelled within XXXX hours on booking and stated Free Cancellation ( a copy of the disclaimer is attached and made part hereto as Exhibit B ) I was charged individually XXXX different charges on my Capital One credit card even though I only placed XXXX charge during a single transaction to get the bundle package. 
I cancelled the booking which contained the flights + hotel on the XXXX XXXX on XX/XX/2024 at XXXX and re booked for a higher price just minutes ( XXXX ) prior to canceling. As pointed out, the airline charges has been refunded within the XXXX days because of the XXXX hour free cancellation window leaving a balance of {$440.00} for the reservation of the hotel which is the XXXX but is an XXXX charge on my credit card I reached out to XXXX on XX/XX/2024 at XXXX XXXX and spent XXXX minutes on the phone as they reached out to the merchant ( XXXX XXXX XXXXXXXX XXXX ) to cancel the reservation made just hours earlier. They stated they were unable to resolve the issue and the cancellation policy only applied to a portion of the transaction not the entire sale and they would be unable to help me out. 

I then called XXXXXXXX XXXX XXXX XXXXXXXX and they stated that my transaction was done through XXXX and they would be unable to help and contact them directly. 

As the disclaimer clearly states Free Cancellation at the point of sale and the booking was XXXX single transaction as it was purchased as a package to incentive savings it applies to the all charges and shall not be perceived or implied as severable by the merchant charging multiple transactions and the reservation was cancelled well within the XXXX hour time period of their cancellation policy. No services or good has been provided by the merchant with respect to this transaction. 

I disputed this with my credit card and after emailing my documents to Capital One Bank and speaking with XXXX ( Id # XXXX ) from the XXXX XXXX XXXX XXXX on XX/XX/2024 claiming they will not honor my dispute and stated '' This happens all the time with them '' I asked " who is them '', she replied " XXXX '', I explained to her that its misleading and the cancellation policy should not be severable on a single transaction.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to 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 Electronic 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 or other personal consumer reports

I am writing to formally dispute an item on my credit report that does not adhere to the guidelines set forth under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found that certain information is not being reported with the maximum possible accuracy, which is a direct violation of the FCRAs requirements for fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete XXXX Inquiries.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Prepaid card

On XX/XX/XXXX I made a purchase from a company who pretend to be macy selling luggage at a discounted rate. I proceeded to by the item and when it finalized the payment another name appeared. I then figured something was not right because it should say XXXX  and no XXXX. I then sent them an email to cancel my order immediately. They still took my money and never sent me any merchandise. I did a dispute with cash app and rather than investigate they closed my account. They told me they would reopen it if they could verify my identity. They tried to verify it electronically, but it would not pick up my face. I responded and told them I would mail in a notarized copy of my ID and the transaction. I have mailed those items in and have not gotten a response as of today.
Product: Credit card

My complaint is somewhat complex and involves the practices of Citibank who issued me a credit Card. I made charges on my Citicard ( number ending in XXXX ) and my Balance was {$8000.00} approximately two years ago. I cut up the card and they wont give me all the numbers over the phone so I only have the last XXXX. I entered into a debt management program with a non-Profit agency recommended by the XXXX County government ( XXXX of XXXX County ) which required a 4 year Agreement with all my credit Cards being paid-off at $ XXXX month. The total credit card debt was approximately {$35000.00}. Citibank was paid XXXX/month. No debt was forgiven, but the creditors generally agreed to reduced interest ( about 10 % ) and not to Charge any fees. I made all my payments of {$880.00} on time. In XXXX of 2014 I began receiving calls XXXX times a day from Citibank saying my account was delinquent and they had already made entries on my credit Report. After calling several Citibank departments I was told that a payment was made late in XX/XX/XXXX disqualifying me from the program and that my payments were delinquent after that because the new Minimum payment was more than $ 180 month. All kinds of fees were added to my Balance and they had changed the interest rate to 30 %. They said I no longer qualified for the program because of the late payment and they refused to participate in it anymore and said I had to pay them directly under the new conditions. They had never sent Statements like the other companies so I asked for past Statements and current Statements but they refused to provide them because they said that Statements are not available with the type of Card I have. In XXXX 2014 None of the other credit Card companies reported a late payment. I refused to pay them anymore without Statements and so now I just pay XXXX/month to the debt Management plan. Citibank now calls XXXX times a day even though I asked them to stop and I have to Change my phone number. I figure with the fees and 30 % interest not only have they wrecked my credit I was trying to improve, but the Balance is probably {$2000.00} higher than it was in XXXX 2014. The Penalty for suposedly being late on XXXX payment does not seem equitable. it seems like a scam to extort extra Money out of me. Can they use this as an excuse to just disregard the contract they made with me as part of the debt Management plan. What they are doing doesnt seem morally right.
Product: Debt collection

XXXX The cfpb states that there was no response? I spoke to someone at least XXXX times. I submitted over XXXX documents and in a separate complaint that was marked as a duplicate. It was a duplicate of this complaint. I have since submitted another XXXX or XXXX and all of my bank statements supporting the attached spread sheet and pay history
Product: Credit card or prepaid card

I sent in a letter stating facts and they closed my account without my permission. And someone setup automatic payments which I did not approve. THIS IS AN ADVERSE ACTION AGAINST A FEDERALLY PROTECTED CONSUMER. 

I was on the phone with Discover for over 3 hours and they just kept giving me the run around. Once I talked to the last representative he laughed at me and was using obscene, abusive and profane language to me then just hung up on me without letting speak. THIS HAS CAUSED MY XXXX XXXX TO GO UP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and 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. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Student loan

The same issue I filed the complaint previously is still occurring. Navient continues to remove me from the plan I have requested since XXXX of 2018 which was to make biweekly payments in the amount of XXXX until XXXX of 2018. Navient states that on XX/XX/2018, you declined a Term and Rate Modification Program ( TRMP ) which would have lowered your interest rate to 3.00 percent. You decided to remain on interest only payments and bi-weekly payments were taken at that time for {$160.00} through XX/XX/2018. This is not true, yes, I declined the rate modification because I am trying to take care of this loan and start paying the principal down. Why would I request to stay on interest only payments and make XXXX biweekly to those payments when the interest payments are XXXX per month. That doesnt make any sense. Since XXXX, Navient has put me in a forbearance that was not requested, which took me out of the principal and interest payments and removed my payments that were scheduled. Then after I requested to be removed from the courtesy forbearance Navient then placed me in the interest only plan AGAIN!!!! Its like they want me to continue to pay interest and not touch the principal. Navient continues to enroll me in programs that I have not requested. Clearly the call on XX/XX/2018 stated exactly my intentions. I have since called back several times indicating what I want to do with this loan and that is make principal and interest payments. I contacted someone on XXXX XXXX, to enroll in principal and interest payments and set up biweekly payments. I want this documented, so my account is not touched and I am not removed from this payment plan. The principal of this loan is now back to where it started when I called in XX/XX/2018. If I was left on my plan when I initially called back in XXXX, this LOAN WOULD HAVE BEEN LOWERED. I can not get anyone to contact me back, but they always say someone left me a message. They are the most ridiculous loan servicing company ever. There should be consequences for the actions of Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, never gave ChexSystem any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account :
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report because they are hindering me from obtaining credit. I don't recognize these accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bureaus.XXXX, XXXX and Equifax the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XX/XX/XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XX/XX/XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through Equifax years ago. I disputed all the items and they still have not removed them. I filed an identity theft report and a police report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my Paypal account was hacked. The individual who hacked my account was able to change my address and phone number, and initiate transfers from my bank. The individual attempted to add additional banking information, but that action was somehow blocked. They initiated a {$100.00} transfer from my checking account and another {$100.00} transfer from my savings account. I alerted my bank, XXXX XXXX, and they were able to block the transaction from my savings account, I also deleted my savings account information which may have prevented the action. The {$100.00} transfer did occur, but ultimately landed in my own paypal account. Assuming my account was safe at this point because I changed the password and added double authentication, I sent the money back to my checking account and alerted my bank that the issue had been resolved. However, yesterday, I received notification that my Paypal Credit ( Synchrony Bank ) account had been closed and reopened with a different account number. When I called the credit company to find out why this action had taken place, they indicated it was because someone had called on XX/XX/2022 indicating that they were me and that fraud had occurred on the account and they wanted it closed and reopened under a different account. I did not make that phone call. I closed the account today, but assuming this individual had enough information to close and reopen an account, I am concerned that they can reopen an account basically anywhere. Both paypal and paypal synchony bank offered insufficient security, allowing someone first to initiate transfers from my bank by easily changing address and phone number information, and secondly, have such insufficient security that they were able to impersonate me in a phone call on XX/XX/XXXX after I updated all of my security settings.
Product: Checking or savings account

My estranged spouse unknowingly received a portion of the proceeds from selling our home during our divorce. Although the check was made out to both of us with an & only symbol. Wells Fargo allowed him to cash the check without my signature and have full access to all {$3500.00} of the funds. I have spent hours on the phone with the fraud department as well as been in touch with 2 local branches to help rectify the situation with a copy of the fraudulently endorsed check. While all agree that the check should have been refused, no one is willing to rectify the situation and I am told there is nothing that can be done.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

BanK XXXX XXXX CARD # XXXX, DEPT OF ED/XXXXXXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The Credit bueau reported these accounts as verified. With no proof or validation records!!
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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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. 2025-CFPB-0002 ) 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. 

These are the accounts that I have marked inaccurate & I would like the reported accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX Card services.