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

I purchased a cruise with XXXX using my American Express Platinum card, with payments in XXXX and XXXX XXXX, for a cruise that was supposed to occur on XX/XX/XXXX. On XX/XX/XXXX, XXXX publicly announced that all cruises for the rest of XXXX, all of XXXX, and all of XXXX will be cancelled. In that announcement, they also said that they would automatically take the amounts paid and convert it to future cruise credits without the cardholders consent. These were obviously not the terms when the cruise payments were made to the American Express card. Per the Fair Credit Billing Act, I submitted disputes to American Express for the payments made, requesting refunds based on the cruise line cancelling the cruise ( as opposed to the cardholder cancelling ) and the fact that I obviously didn't receive the services that were supposed to occur earlier this month. I have spoken with numerous representatives at American Express over the last nine weeks, they've had me send the same documentation numerous times ( I wonder if they're even reading the information I've sent ), and they seem to be greatly confused by the facts. ( Example : In early XXXX, XXXX XXXX response to American Express included the written statement that " the Card holder reservation is active and is due to sail on XX/XX/XXXX ''. XXXX stated that some five weeks AFTER our cruise was publicly cancelled, and I had to respond to American Express in writing to correct the fact that the cruise was indeed cancelled five weeks earlier. At that point, given the misrepresentations of the cruise line, the disputes should have been immediately closed and ruled in my favor as the cardholder. ) American Express is dragging anchor on these disputes, and I just send additional documentation this morning based on a new request ( having to repeat information I've reviewed previously with them ).
Product: Debt collection

Someone called my phone and advised they knew who I was and should just verify my social or they will take legal action against me. When I told them I was not who they were looking for the man advised that they have caller ID so he knew my name. But the XXXX was wrong. He told me that there would be consequences if I did not pass a message on to the person in question.
Product: Debt collection

The collection agency Capio Partners, Located in XXXX, TX. Contacted me om XX/XX/XXXX of this year, concerning an alleged medical bill debt in the amount of XXXX dollars. 

On XX/XX/XXXX of this year. I responded with a certified debt validation letter. This letter requested Capio Partners to provide me proof of the original purchasing agreement, that shows Caprio Partners is the legal owner of the said debt, if the debt started with another company. please provide the name, account number, and purchasing agreement. 

I requested, Capio Partners proof if the company is licensed to collect debts in my state. Also to provide the date of license, and license number. On XX/XX/XXXX of this year. I received a letter from Capio Partners. Alleging this information regarding this debt was verified. Capio Partners didn't provide me with any of detailed items, I requested from them in my debt validation letter, Also Capri Partners responds exceeded 30 business days.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a account that LVNV FUNDING LLC that was recently reported on my credit report. I obtained a copy of my credit report and noticed that [ LVNV FUNDING LLC ] has reported Opened XXXX payment for the account that is incorrect and i have knowledge of this account Upon reviewing my records, I do not recognize this collection account and believe there may have been an error in its reporting. I request that you conduct a thorough investigation into this matter and provide me with documentation verifying the validity of this debt, including but not limited to : Proof of the original debt, including the name of the original creditor and the account number. 
Documentation showing that the collection agency has the legal right to collect on this debt. 
Verification of the dates of the debt, including the date of first delinquency and any subsequent activity. 
I also request that you provide me with the name and contact information of the original creditor associated with this collection account. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. I trust that you will conduct a thorough investigation and provide me with the necessary documentation to validate the legitimacy of this collection account. 

Please inform me in writing of the results of your investigation and any actions taken to correct the error on my credit report. You can reach me at XXXX or XXXX if you require any further information. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I was trying to open my a few accounts I noticed XXXX XXXX pop up and told me I have outstanding accounts balance when I dont remember owning any account with navy or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

FIRST SOURCE, FIRST SOURCE ADVANTGE, LLC SENT ME A NOTICE SAYING I OWED THEM {$490.00} ACCOUNT # XXXX WHICH I NEVER HAD. I AM REQUESTING A VALIDATION OF THIS DEBT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA. I AM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED. PLEASE SEND ME THE VALIDATION IN A TIMELY MANNER, THEN I REQUEST THAT YOU STOP TRYING TO CONTACT ME ANYMORE.
Product: Debt collection

My name is XXXX XXXX XXXX, I am formally filing a complaint against Bank of America. The purpose of this communication is to address a matter related to XXXX accounts maintained within her institution, which I have marked as late for the month of XX/XX/XXXX. 

The sequence of events unfolded as follows : Initially, I was receiving consistent notifications and reminders in relation to the aforementioned accounts. However, an abrupt cessation of these communications transpired, prompting me to initiate contact with your customer service representatives. Regrettably, I was informed that my accounts were current and devoid of any delinquencies. It wasn't until I undertook a review of my credit reports that I ascertained the presence of belated negative annotations. 

It is important to highlight that my association with Bank of America dates back to XXXX, during which time I have diligently fulfilled all financial obligations in a timely manner. This impeccable record of punctual payments is manifest across both accounts in question. 

The implications of this erroneous situation have been profoundly detrimental, exerting a cascading impact on both my financial circumstances and emotional well-being. Of particular note, the adverse effects extend to the denial of various loan applications, thereby exacerbating the distressing repercussions. 

In light of the aforementioned circumstances, I beseech Bank of America to undertake the expeditious removal of the negative annotations affixed to both of my accounts. I firmly believe that the rectification of this predicament will facilitate the restoration of my financial stability and alleviate the considerable distress endured. 

In conclusion, I anticipate a timely and diligent response from Bank of America in order to rectify this situation and mitigate the deleterious consequences that have transpired. I look forward to a swift resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted XXXX, XXXX and trans union advising them that the accounts for XXXX XXXX bank ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to  dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy Assist contacted me that there was an credit inquiry from US SM ADMIN ODA for a loan. I called the agency and told them it wasn't me. They said someone applied for an SBA loan with my SS # and was denied. They then put an alert on the account. I put a freeze on Exp, XXXX, and XXXX. No sure if I did this correctly. Not sure what else I have to do?
Product: Credit card or prepaid card

The card was closed by an estate attorney without permission, and misrepresented as toxic asset to send to collections, when it is in good standing, paid ahead of time and with high credit line available. Annual card membership was recently renewed for frequent flyer points. 
Collections is a serious issue, stays on account 7 years, and can deprive the person of credit for future uses. This action can ruin a person 's credit, and a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.
Product: Bank account or service

I have got no resolve from MT bank yet, and they just keep sending that same letter over and over. Their statements and claims are false, and I have a copy of my statement showing I did have funds at the time my money was stolen! I stated I had no funds when asked, because it was the truth! I had called to check my balance and that 's when I found out my funds were stolen and my debit was missing from my wallet. When I call I do not enter my debit card number, I enter my account number because i know by memory and do n't have to reach for my wallet all the time. The letter they sent states false statements that I made! It 's crazy they are still denying me my stolen money, and especially that I have all the proof I had funds and more! I need and want my money back! They have ruined the holidays for me and my family, but I refuse have them deny me my stolen money! This bank is the worse, and the people working there even worse. They are not there to help you, but make things even more difficult on you, and getting your stolen funds back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my XXXX, Experian, and XXXX XXXX report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX  to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted XXXX, Experian, and XXXX and filed disputes via email as well as certified mail with no help.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a XXXX XXXX XXXX XXXX XXXX. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, EXPERIAN, XXXX XXXX a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aformentioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Credit card

I did a balance transfer 12 months ago, I have 5 credit card accounts with Bank of America, I have several balance transfers and I had one credit card where the rate expired next month and I dont get any paper statements. I have been with Bank of America for over 20 years. My regular payment is {$300.00} minimum and my payment changed to {$790.00}. I have XXXX kids just started a new job a month ago, and I could not afford the XXXX a month, they added approx {$500.00} to my balance for the interest fee. On XX/XX/XXXX, I called BOA and spoke with XXXX, I explained what happened, the credit cards were mixed up. Then no statements, I had planned to pay it off before the interest rate expired, I never got any warnings, no paper statements or mailing, I have zero late payments, excellent credit, excellent borrower, and I asked for an exception to waive that interest charge, told him I couldnt pay it. He declined, I asked to speak to a manager, asked to call me Monday at XXXX XXXX, he called but after XXXX XXXX  I was at work, he also declined, his name was XXXX, he didnt try or care, I called BOA back XX/XX/XXXX, at XXXX XXXX, Spoke w XXXX XXXX transferred me to a supervisor. I was driving told her not to hang up it it get quiet I was going through a XXXX, took 5 seconds of quiet and she hung up on me. I have tried everything, I need help with the waiving of the interest as an exception, no lates, 20 year customer, excellent credit, they dont care about customers, I had to get a expensive cash advance to pay them off. Please help me, they have the worst customer service and I have really been an excellent customer and nothing ever gets resolved, takes me 20-35 minutes to even talk to anyone at Bank of America and then they hang up. I also tried calling the local BOA in XXXX XXXX XX/XX/XXXX and they said I had to do it by phone since they dont have any access to the credit card. Its been a total nightmare with Bank of America!! 
Please please help me with this, I would greatly appreciate it.
Product: Credit reporting or other personal consumer reports

I am writing this final demand to formally address the unresolved inaccuracies on my credit report, which have persisted despite multiple previous disputes. As you are aware, XXXX has already conducted a thorough investigation and successfully removed the negative items in question. It is wholly unacceptable that both TransUnion and XXXX continue to report these inaccurate and invalid accounts, despite XXXX findings.
Product: Credit reporting or other personal consumer reports

My wife and I were on celebrating our anniversary in the XXXX, VA area ( XXXX XXXX ) when we were introduced to XXXX XXXX. We attended a presentation and committed to a XXXX XXXXXXXX XXXX XXXX XXXX. In which, due to life happening ( before and after Covid ) we never was able to utilize the facility. Fast forward, XXXX years later ( XXXX ) we finally booked a stay in XXXX. While celebrating another anniversary, we entered into what we thought would be an update session but turned out to be another presentation. XXXX to XXXX hours later, we exit the pressure tank! We had signed contracts that appeared later that we couldn't had read. That was the first red flag... Here 's the second flag! We had a free week vacation that needed to be used by XX/XX/XXXX. My son was getting married in XX/XX/XXXX so as a wedding gift I figured that would be a great honeymoon sendoff. Long story short, turns out that free week ended up costing me {$1700.00} not including airfare!! Something was wrong and I began looking at these contracts. These folks had done a number on us. Quiet Deed for {$10.00} .... WHAT IN THE WORLD HAS THESE PEOPLE DONE was my thoughts! I stopped making payments and starting seeking legal counsel. I wrote a detailed complaint in XX/XX/XXXX. XXXX XXXX XXXX is reporting differently on each of the credit bureaus!! XXXX is reporting that is a Travel Card / Entertainment {$3200.00} while XXXX is reporting as Miscellaneous {$33000.00} and Experian is reporting as Mortgage Company. They should be straight forward with consumers and stop setting traps. Now they do everything they can do to try ruin the consumer when they have been discovered! 

Here 's the problem, I feel that XXXX XXXX XXXX is misleading consumers as well as these credit bureaus!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I paid XXXX dollars to Navy Federal as a settlement amount. Today its still saying I still owe XXXX dollars to them. My credit score is stuck in the XXXX and never rise. I called them back yesterday on XX/XX/XXXX and requested that they mail me a letter of proof that I settled. I also let them know that I need them to report to the bureaus that I settled and I no longer owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   2017   XXXX  checked my credit without my permission. I do not have service with them and have not for the la st 5 or s o years. I received an alert from my credit monitoring service and immediately called  XXXX . The first representative said it would be removed within 2-5 days. I called back since it was n't removed and was hung up on. I called again and requested a supervisor. When he came to the line I explained the situation again. After several moments of silence he blind transferred me to equifax knowing they were closed on Saturdays
Product: Debt collection

I recently received many solicitations from attorneys that wanted to help with a lawsuit, I became very curious as to why I was receiving all this mail. I went online to public records and found that a pre-trial conference was scheduled for XX/XX/2019. I never received any information by mail or by phone. I never received any legal documentation regarding this matter. I was very upset to see this under my name in public records with a past due date. On XX/XX/2019 I called the office of XXXX XXXX XXXX XXXX. 
I asked to speak with Mr. XXXX. The woman that answered my call said he was unavailable. I gave her my name and asked for her name and she just ignored my question. I willingly provided her with my personal information. She informed me that they are representing Capital One & I owe a balance of {$3600.00}. I informed her that I had 4 Capital One accounts in the past years all 4 were closed upon my request all 4 had a XXXX balance. When I told her that this has to be some mistake, I do not owe this money, she became very argumentative. I asked her for her name again, she replied that our discussion was over and hung up. I called back a few more times today, but all I received was a voice message. I left two individual messages, but no one ever returned my call. I can not resolve this issue when this woman is screening phone calls and refuses to give me her name. XXXX XXXX XXXX have not returned my phone call and this unidentified woman behaved like a loan shark, using unprofessional scare tactics. Please help me clear my name and this serious matter. Thank you
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the 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 error resolution requirements under the Electronic fund transfer act ( EFTA ) and regulation XXXX these actions have caused significant inconvenience and financial harm and loss and I seek appropriate compensation for these violations.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$150.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$110.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$370.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a deferred interest loan/card with XXXX XXXX  / XXXX XXXX XXXX - I paid account IN FULL - before it was due, and that balance was over 45 days ago. The company REFUSES to accurately report my balance to the credit bureau as {$0.00} balance. When calling, I am told the only option I have to report {$0.00} - which company verifies my balance is indeed {$0.00} is to CLOSE the account. In both instances - closing my account as well as FAILING to report my ACCURATE balance hurt my credit score and financial image. I want the account to be open, I may need a product using this company in the future. However, regardless, they have a duty to accurately report my balance to all 3 credit bureaus.