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

Hi tems In XX/XX/2022, I plan to book a hotel through Chase portal, after I finish the process and click the payment, the portal shows a page that need me to sign in again. so I have no idea whether or not I successfully paid, also, I forgot about my username so I have to close the page and back the Chase App, once I sign in the app again, I have to open the chase portal and there are no record about my previous booking, so I have to go through the booking process again, this time after I click payment, it shows I successfully paid ; In next day, I see that there are two exactly same payments in my transaction, then I know that my first booking is successed, so I ask Chase travel advisor to cancel my first booking, but since the hotel is NON-REFUNDABLE, so I have to ask them to contact to hotel and express what's going on in my end, I send this request in XX/XX/XXXX, and the Chase spend a week and there were no response. So, in XX/XX/XXXX, I give them a call again and they said that the hotel refuse to refund, I ask Chase what's your decision, and they said that their final decision is they won't give me any refund because they don't have system error. However, I never said that this is a " error '' during my booking process, the reason that caused the problem is that their Chase XXXX 's session is ended too fast, just right after I click the payment and the session is ended and I have to go through the booking process again, as a customer, I don't have knowledge about what's going on right after I click the payment since there are no page that shows my booking is success, also there are no payment records in the transaction at that moment ( the transaction record that shows my booking history is in XX/XX/XXXX ) so this system design is totally misleading, so my first booking is totally without knowledge. In the other hand, I think a hotel shouldn't have a NON-REFUND policy since a booking might caused by many reasons, since my first booking is totally caused by misleading, I believe the hotel should help me cancel this payment or this will be very unfriendly to customer. 
So, right now, I really hope some one can stands by customer 's side, and help me get my refund back. 

Hotel name : XXXX XXXX XXXX XXXX Credit card company : Chase Travel advisor : XXXX XXXX called her in XX/XX/XXXX XXXX pst ) Trip id : first booking ( that I booked without knowledge ) : XXXX second booking : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report along with a deletion letter from XXXX XXXX  XXXX . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Checking or savings account

Approximately six months ago, I was banned from my branch by the manager because she said I insulted her and she also embarrassed me in front of her employees by my divorce 16 years ago, which is a personal matter not to be addressed in business environment. Furthermore, the bank is closed my account officially because I deposited a Check from a friend that had a closed account, but I did not know this. The last problem I had is on XX/XX/XXXX I made a deposit with XXXX company for an XXXX {$1300.00} XXXX refunded deposit to my bank account. It shouldve hit my account on XX/XX/XXXX. The bank is saying, I have no funds in my account, and they said the transaction never took place. They said it was declined Immediately however, on XX/XX/XXXX, XXXX is sending me a receipt of the transaction to prove the transaction did occur that XXXX sent the refund to my bank account and then my bank is denying the refund money to me which is fraudulent practices. In my opinion Ive been locked out of my bank website for the bank, I can not access my account. I have to call every day to my bank to find out how much money is in my account and if the Funds are in my account and every time I call, they say there are no funds because there was no transaction. It was actually declined according to the bank behavior Is appalling I contacted consumer affairs, XXXX XXXX and she refused to help me and all these matters she refuses to write me back or do anything for me. Shes a consumer executive for client care for headquarters North Carolina for Bank of America. 

Moreover, I have two monetary direct deposits to my checking account every month. A bank supervisor informed me I have to call the bank to find out when the deposits are in my checking account at that point I have to wait 10 days after that date of deposit to have access to my money. Furthermore, they forced me to make an appointment with the bank to meet somebody to get my money I feel like Im being held hostage by my bank and Ive been a client for 34 years since XXXX. This behavior is unacceptable, Ive wrote more than one letter to XXXX XXXX client executive care professional she refused to help me she had a district manager call me to inform me not to get into an argument with a branch manager that banned me for life thats all she was concerned about. The branch manager failed to tell the district manager about bringing up my divorce arrangement and my marital status, and the branch manager lied to the district manager about us resolving our situation. My proof of not being able resolve our dispute is the fact that the branch manager banned me from the branch for life so how could she resolve it? The argument that is when I wasnt allowed to visit the branch so she lied to her manager and she failed to mention that she brought up my divorce of 16 years ago to embarrass me. The district manager didnt care about my treatment of being harassed about my divorce and 16 years and now that my account is closed, they dont care anything about me. They dont want me. Im a bad apple.
Product: Credit card

First Access has put a restriction on my account back in XX/XX/year>. I just found this out yesterday. I called customer service to ask why. They tell me the restriction was put on my account. Because I made two payments in XX/XX/year>. And, that seemed fraudulent to them. Now I haven't made a payment to First Access since XX/XX/year>. I made two payments in XX/XX/year> to XXXX out my account. I knew my job would be ending and I wanted a safety net. I told customer service this. She said that I authorized the payment in XX/XX/year> and that bank account number ended in XXXX. I explained to her that I did not and that my bank account number ended in XXXX. The same bank account number that was used to apply and open and pay all my First Access bills. Never had I owned a bank account ending in XXXX. She then tells me I authorized another payment because the XXXX payment bounced. The other payment was for XXXX with a bank account number ending in XXXX. I explained to her I did not authorize that nor do I have a bank account number ending in XXXX. I told her I had proof from my transactions that. I had made payments in XXXX and XX/XX/year>. Paying extra to XXXX my account out. I asked her to look back and tell me what other bank account number she had. The one that opened the account and payed all the bills up until XX/XX/year>. She wouldn't look. Just kept telling me to lift the restriction. I would have to provide bank statements. From the bank account numbers the XXXX payments that was made in XX/XX/year>. Showing that they came from me. I told her I could provide bank statements showing where I XXXX it out in XX/XX/year>. I was informed that wouldn't lift the restriction. I feel I'm being penalized for a mistake made in their end. Even though I can offer proof from my bank. And, they will not show proof of what the have. I was never informed of the restriction back in XX/XX/year>. And, they have been charging monthly dues since XX/XX/year>. I find it odd that I have a restriction on me for 4 months. Although I haven't used my card since XX/XX/year>. And an account with a XXXX balance. Just doesn't make since.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to a my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Bank ) XX/XX/XXXX COMENITYBANK/WAYFAIR XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$77.00} Balance updated XXXX XXXX, XXXX So these three accounts should not be on my inquiries because either old accounts and also I dont recognize XXXX XXXX XXXX XXXX I dont recognize and also XXXX. These are unknown accounts. 

I need this off of my credit report because theyre not my accounts and unknown please.
Product: Debt collection

I had a personal loan with XXXX with a balance of XXXX. The debt was then bought by XXXX XXXX XXXX ( ncaks.com ) and I settled by paying 50 % which was XXXX. This amount was paid on XXXX XXXX XXXX. It appears that they then sold the paid account to XXXX XXXX who has been repeatedly calling my cell phone, my work phone, my husband and my sister in law stating that I have committed bank fraud and an official complaint has been filed against my SSN. None of which is true
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my credit report that is being inaccurately reported by XXXX XXXX XXXX. The account in question is listed as a closed account, marked as a charge-off/in collections, despite being paid in full and in good standing. This erroneous reporting has been negatively impacting my credit since XX/XX/XXXX, despite the account being closed since XX/XX/XXXX. 

I have taken the necessary steps to rectify this issue by contacting both the credit bureaus and XXXX XXXX XXXX directly. Despite my efforts, the inaccurate information persists on my credit report, unfairly tarnishing my credit history. 

I would like to emphasize that the account in question was settled in full and was never in collections. It is unacceptable for XXXX XXXX XXXX to continue reporting this misinformation, especially given the significant impact it has on my financial reputation. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that XXXX XXXX XXXX updates my credit report to reflect the accurate status of the account. Additionally, I request that any negative marks associated with this account be removed from my credit history, as they are unjust and unwarranted. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and prevent similar occurrences in the future.
Product: Debt collection

XXXX XXXX XXXX has contacted me and since I have failed to communicate with them during my work day, they are now contacting a family member, leaving messages for me on their voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 502 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter was sent out via postal mail XX/XX/2022 and I have yet to see any actions taken. 

There are multiple inaccuracies and errors on this XXXX XXXX, reporting by Transunion
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

My XXXX XXXX XXXX credit card is now Marcus by Goldman Sachs. I lost my XXXX  XXXX card and called them for a replacement on XX/XX/2022 I was told that the card would be shipped via XXXX and that I should have it soon. 

When I had yet to receive the card, I called Marcus by Goldman Sachs again on XX/XX/2022 and was told the same thing again. 

Here it was on XX/XX/2022 I called them again because I still have yet to receive a card and only keep getting told that it is ordered and on the way. I know it should not take this long.
Product: Vehicle loan or lease

I paid my joint account with Santander Consumer USA in full on XX/XX/XXXX. On all 3 of my credit reports its showing a balance of {$3400.00}, also on my credit reports they are also showing different different dates ( XXXX ) late payment. It should be showing XXXX late payment in XXXX of XXXX, which it does on XXXX credit report and the other XXXX its showing XX/XX/XXXX. This company has been difficult to deal with from day XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware, these inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code XXXX1b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Remove these inquiries XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX EXPERIAN, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX, and XXXX XXXX I as seen on my report in Exhibit A-C. Notice, it is a fact, affiant is aware, these unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and XXXX is in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally document my experience with Navy Federal Credit Union ( NFCU ) regarding my auto loan account and my right to rescind the bilateral car contract. 

From the beginning, I made multiple attempts to resolve issues with my account, specifically regarding unauthorized payments made by Navy Federal from my business account to cover a personal auto loan. These transactions were conducted without my authorization, which I believe was both improper and illegal. Despite my efforts to dispute these charges and seek clarification, Navy Federal failed to address my concerns adequately. Instead of working with me to correct the situation, the institution engaged in unethical and potentially unlawful practices.

Rather than properly investigating or resolving the matter, Navy Federal unlawfully disclosed my personal information to a third party without my consent. This violation of my privacy and financial security was followed by an even more egregious actionNavy Federal repossessed my vehicle under questionable and unjustified circumstances. This act not only ignored my attempts to resolve the discrepancies in my account but also disregarded my legal rights regarding the loan and contract terms.

I believe that Navy Federals actions constitute a breach of consumer protection laws, banking regulations, and my fundamental rights as a borrower. I am prepared to take further action to hold Navy Federal accountable for their misconduct, including filing complaints with the appropriate regulatory bodies and seeking legal remedies for the financial and personal damages I have suffered. My company has has been depleted and so has my welfare and personal life I urge Navy Federal to address this matter immediately and rectify the harm caused by their unlawful actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX Date : XX/XX/year> To : Transunion, XXXX, XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for amounts of {$6800.00}, {$3700.00}, {$540.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
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 confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

There are   XXXX   very old  XXXX  accounts that are not supposed to be reporting on my credit. The   XXXX    XXXX  card account has an account number of "  XXXX ****** '' with an open date of  XX/XX/XXXX . The   XXXX     XXXX  card account has an account number of "  XXXX  '' with an open date o f   XX/XX/XXXX . Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the  XXXX  charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that   XXXX   is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called  XXXX  a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bureau is refusing to honor my creditor 's deletion request.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX