23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a vacation package from the vendor 's website, which included a flight, an all-inclusive resort, and local transport. Before finalizing the purchase, I thoroughly reviewed the travel requirements and confirmed that we met all of them. 

However, a few days before traveling, I encountered issues when trying to add passenger details on the airline 's website. I discovered that my daughter 's passport was expiring in less than six months. Upon contacting the airline, I learned that they were incorrectly applying the travel requirements to her. 

I reached out to the vendor on XX/XX/2024, and they acknowledged that their airline partner was misapplying the travel requirements. Despite this, the vendor did not resolve the issue and compelled me to cancel the reservation. They did not issue a full refund, even though they were at fault and unable to resolve the issue with their airline partner. 

I raised a dispute with Bank of America about merchants inability to resolve the issue with their airline partner. However, the merchant provided false information, claiming that we canceled the reservation due to invalid travel documents and that the refund was processed according to the accepted policies. Based on this incorrect information, Bank of America denied my claim. 

I then requested Bank of America to reopen the claim and submitted proof that all my travel documents were valid and that I met all requirements. Despite this additional evidence, Bank of America again denied the claim, focusing only on the merchant 's cancellation policy and not on the fact that the merchants failure and false information led to the cancellation. 

TThe bank is overlooking the fact that the merchant forced the cancellation and provided misleading information about my documents, which were all valid and in compliance with the requirements outlined on the merchant 's website, as well as with travel agencies in both the US and XXXX. Given these circumstances, I respectfully request that you review the dispute impartially and reconsider the claim based on the accurate information and evidence I have provided. Thank you for your attention to this matter. 

I have submitted details about how I fulfill the travel requirements as outlined by the merchant on their website and copy of my daughters passport to the bank via fax and submitted with this request as well.
Product: Checking or savings account

In XXXX of this year I tried to open another savings account online with BMO Harris Bank, I already have one savings account. They rejected the application saying that there was something in a credit report that caused the rejection. They refused to tell me what was in the report that caused the rejection. I pulled my credit reports, there are no problems. If they have erroneous information on me and the insurance industry gets a hold of it, they will use that to increase premiums and, they may already have. 
I can not find a problem and BMO will not give me an explanation,
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, my personal information were compromised by By XXXXXXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX database ( including several other companies ). My private information that was released on the dark web included. My full name, mailing address, social security number, my phone number, date of birth, and credit card number. Unaware of the data breach. I wasn't able to take full action quickly to protest my credit. Furthermore, there are inquiries on all three credit reports I didn't authorize. I'm requesting assistance in this matter. To remove these quickly and efficiently. Thank you.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate and Unverifiable Items Under FCRA & FDCPA I recently reviewed my credit report and discovered multiple violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Your agency has reported unverifiable, inaccurate, and misleading information, failing to uphold compliance procedures that ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Furthermore, under 15 U.S.C. 1681i ( 5 ), any inaccurate, incomplete, or unverifiable information must be promptly deleted or corrected. If you can not provide verifiable proof within 15 days, you must remove these accounts. The following items require immediate attention : Disputed Accounts and FCRA Violations : XXXX XXXX XXXX Equifax ) - Collection Account ( {$670.00} ) No proof of validation from the original creditor ( 15 U.S.C. 1692g ).

Failure to ensure accuracy under 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX ( Experian, Equifax ) - Collection/Charge-off ( {$1600.00} ) Marked as derogatory without proper validation ( 15 U.S.C. 1681s-2 ).

Unverified debt reporting against FCRA compliance. 

XXXX ( XXXX XXXX ) - Collection/Charge-off ( {$630.00} ) Listed with inconsistent reporting dates, violating 15 U.S.C. 1681e ( b ).

Consumer disputes not properly investigated ( 15 U.S.C. 1681i ( a ) ). 

XXXX XXXX ( TransUnion ) - Collection/Charge-off ( {$13000.00} ) Past due balance reported despite being paid, which is misleading ( 15 U.S.C. 1681s-2 ). 

XXXX XXXX ( Experian, Equifax ) - Charge-off ( {$270.00} ) Dispute not properly marked as pending reinvestigation ( 15 U.S.C. 1681i ( a ) ( 2 ) ). 

XXXX XXXX XXXX ( All Bureaus ) - Collection ( {$19000.00} ) Account remains open as derogatory, despite dispute resolution ( 15 U.S.C. 1681i ( 5 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are still reporting to EQUIFAX, XXXX, AND XXXX. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention
Product: Debt collection

CBC is trying to collect money from me for a septic tank emptying that was ordered by XXXX XXXX and performed by a septic company I never spoke with nor had any dealings with. I never ordered this service and did not own the home at the time. I ordered an inspection not a pumping of the tank, which they, XXXX XXXX XXXX procured themselves. Then they turned this over to CBC who initially contacted me on a blocked number and refused to identify themselves as a debt collector, were rude and threatened to ruin my credit history and refused to give me any information about who they were and why they were calling. I have sent a letter to CBC asking for proof this debt is mine and they have none. This is consistent with the fact I never ordered such a service or contracted with anyone to have it done. At the time it was performed I DID NOT ON THE RESIDENCE.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate these items was in dispute within 30 days now these items in violation. 
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
Product: Credit card or prepaid card

Sam 's Club Annual Rewards checks were originally issued in XXXX/XXXX 2017. I called Synchrony Bank around X/X/17 due to non-receipt of my {$110.00} check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. On X/X/17 I called Synchrony Bank again due to non-receipt of the replacement check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. As of today X/XX/17 I have n't received my annual rewards check despite my multiple requests. I am requesting 2 things : 1 ) Your assistance in obtaining the {$110.00} via a credit to my account ( I 'd prefer not to wait for another check unless it 's coming XXXX ) 2 ) I 'd like to request that during the next Audit of this financial institution that their rewards practices with partners be reviewed specifically how many customers do n't cash checks and complaints related to non-receipt of checks. It 's appears to me issuing checks rather than issuing account credits is a way to retain some of the reward related expense due to customer 's not cashing checks they do n't receive.
Product: Credit card or prepaid card

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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

Additional inquires i would like to report : -- XXXXXXXX XXXX XXXX. XXXX Experian, listed as closed acct. however i never had a credit card with XXXX or closed an Acct. -- XXXX XXXX XXXX XXXXXXXX XXXX Experian -- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Experian -- XXXX XXXX XX/XX/XXXX Experian -- XXXXXXXX XXXX XXXX XXXX -- XXXXXXXX XXXX XXXX -- XXXX XXXX XXXX XXXX Experian -- XXXX XXXX XXXX XXXX Experian -- XXXX XXXX XX/XX/XXXX Experian -- Closed Acct. on XXXX XXXX XXXX due to fraud alert on XXXX new card requested and sent. -- XXXX XXXXXXXX XXXX -- XXXX XXXX XXXX XXXXXXXX Experian -- XXXX XXXX Experian XXXX XXXX -- XXXX XXXX XXXXXXXX XXXX -- XXXX XXXX. XXXX XXXX XXXX -- Dark Web XXXX XXXX invalid phone XXXX Social sec. Compromised 12 times this shows on report. I appreciate the time
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. This account was charged off on the following dates : XX/XX/year> and XX/XX/year>. Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payments history. This inaccurate information falsely manipulates the states of limitations of Fair Credit Reporting Act. Its is my understanding that you reinvestigate this account properly and see its violated my rights. I am demanding a deletion of the following account:XXXX  and # XXXX.
Product: Credit reporting or other personal consumer reports

this debt is from XXXX  when my mother was a primary on the phone bill and she passed away during XXXX  and the debt was transferred to me and passed around between collecters. this debt does not belong to me and is ruining my chances of getting a car, a home, or a future in general.
Product: Credit reporting or other personal consumer reports

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 Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX , I am writing to formally dispute inaccurate information on my credit report, which continues to persist despite my previous attempts to resolve these issues. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit report, and I expect these inaccuracies to be addressed promptly. 

I have previously disputed these errors, but they remain unresolved. Specifically, I have identified the following incorrect entries : 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 The information is incorrect because i never lived there. 

Please refer to my previous dispute records for reference. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX in XXXX due to systemic issues regarding the accuracy of credit reporting and the failure to correct erroneous information. The CFPBs legal action highlighted serious concerns about the accuracy of data provided by XXXX and the lack of proper dispute resolution. It is concerning to me that these same issues are affecting my credit report, and I expect them to be handled in accordance with the law. 

I am requesting that you conduct a thorough investigation into these matters and remove or correct the inaccurate information within 30 days as required under the FCRA. Failure to address this dispute will leave me with no choice but to escalate the issue further, including filing a complaint with the CFPB and potentially seeking legal action to enforce my rights. 

Please confirm in writing that the necessary corrections have been made or provide an explanation as to why these items can not be corrected. 

I expect prompt and thorough action on this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a leased vehicle with Ally Finances. I received a notifier a couple of weeks ago showing that my credit score has dropped by XXXX points. I check to see what was the issue and found out that alloy basically reported that I was not making car payments. I called Ally only to be in form that the car that my ex-wife has hasnt been paid on and a Extension had been added to the vehicle. So I asked him why wasnt I notified that the car payment was late and about the extension. He stated that they notified me. I requested all of the contact information they had which was all wrong my address was wrong the email address on file was wrong and also the telephone number was wrong. They also informed me that a extension had been accepted for the vehicle payments which I did not Request or Give consent to. They informed me That I would be responsible for the extension payment of 500+dollars. I explained to them that I dont see how I would be XXXX responsible for something that I didnt request nor did I give consent to nor was I contacted. Upon a father conversation with them I found out that they allow an unauthorized person to change all the contact information associated with my account and also allowed them to make unauthorized decisions on my account. So I explain to them that all of the contact information they had was wrong I was told two different stories the first customer service rep told me that no one could make changes to my account unless they have the account number and I told him no had access to the loan info because it locked in my truck. The customer service supervisor told me that someone could make changes to my account if they know the last four numbers of my social my name and address or just the account number. They had been sending the bill statement to the wrong address with the account number on it. So I was told two different stories. To make a long story short they expect me to pay all these fees that I didnt authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the day of XX/XX/2022 Sent of letters to Equifax, XXXX, XXXX requesting that the inquires be removed by FCRA act. 
Have made multiple phone calls to the companys because the information is not correct on the credit reports.
Product: Bank account or service

I closed my Wells Fargo bank after leaving Wells Fargo XX/XX/XXXX. I received at Collection notice XX/XX/XXXX for an account I went in the bank to close. I closed this account due to XXXX XXXX Missouri only having one Wells Fargo Branch Available. The only branch I would no longer have access to since it is located in the Wells Fargo Campus Building. I do not understand these charges and have since reached out to them with no help or answer insight. I find it troubling that this account was still open but no statement were sent to me. But the collection company has my address correct being Wells Fargo gave it to them.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit card or prepaid card

I purchased a backpack from an international merchant and the item I received was different from what was pictured on the website ( see attached ). I filed a complaint with the merchant but did not get a satisfactory response so I filed a credit chargeback in a timely manner. I was told I could not be refunded unless I sent the item back to the seller and to coordinate with them but I did not feel I should have to be responsible for international shipping charges to send the item back. Later I sent the item back to the seller and asked AMEX to reopen the case, but they still decided it in favor of the merchant despite uploading tracking information and proof that I sent the item back.
Product: Checking or savings account

On XX/XX/XXXX, I first noticed fraudulent activity on my account. I discovered that there were many unauthorized debits by XXXX that did not match the orders that I placed online. During the purchase of my new home, I had ordered merchandise from XXXX, but discovered that unauthorized purchases totaling {$850.00} had charged to my debit card. 

I contacted Bank of America on XX/XX/XXXX and filed a claim for the fraudulent activity. I was issued a replacement debit card and was told that no further deductions from XXXX would be approved. 

About a week later, I received notice that my claim had been denied. Bank of America stated that I had provided access to my debit card, but provided no written documentation to substantiate their denial. I also noticed that even after my XX/XX/XXXX claim, additional debits to XXXX had been processed. 

On XX/XX/XXXX, I re-opened my claim and anticipated that Bank of America would contact XXXX to receive proof that none of the unauthorized debits were mine. On XX/XX/XXXX, I again received denial of my re-submitted claim with no written explanation. 

On XX/XX/XXXX, I visited the Bank of America branch office and spoke with XXXX XXXX. She contacted the fraud claim department by telephone. I spoke with the B of A fraud representative named XXXX. He stated that my claim had been denied because I waited four days to file my claim, had a " purchase history '' with XXXX, and that it appeared that i had provided authorization for my debit card to be used ; therefore, my claim was not considered by Bank of America to be fraudulent. 

He informed me that I would need to contact XXXX and submit additional documentation, but that my claim does not meet the requirements for fraud. 

I have been been a B of A depositor for over 25 years, am a B of A " Preferred Customer '', have my XXXX account purchase history, and understand fraud to be defined as, " ... the use of potentially illegal means to obtain money, assets, or other property owned by depositors ''. 

I am requesting intervention and support by CFPB to mediate this situation for me as I continue to work through my frustration and anger over my unfair and illegal treatment by Bank of America.
Product: Consumer Loan

I contacted Quality Acceptance LLC in Febuary XXXX for a voluntarysurrender/repossession due to transmission almost completely goneI informed their collection agent XXXX, in XXXX XXXX that the car was in storage and I was fearful of moving it. I gave her the location and we agreeded that on the XXXX of the month I would pay storage call them immediately they could pickup the car and I take my possessionsthat were in the car this did not happen they picked up the car ahead oftime and refused to give me any information regarding the location of carand what I needed to pay in order to get my possessions back. I wrote to themthem XXXX times I ask them if they still had the car?? and I disputed their report that it was an involuntary repossession.After receiving my credit report asking them if they still had the car. I got no response I wrote tothem XXXX more times XXXX requesting validation of debt and XXXX goodwill/validation of debt still no response I have copies of letters and certified documentation that letters were delivered. In XXXX of XXXX they reported I owed them {$3600.00} In XXXX XXXX they reported I owed them {$5400.00} and reported it as a total loss. I have not had the car since XXXX XXXX they did not respond to my disputes that this was a voluntarysurrender/repossession initiated by me in XXXX. I have disputed this not only with the company several times but with XXXX and EQUIFAX without any results expected for them to say they investigated and It remain the same. This is not true and accurate information the car had major repair problemswithin 9 months of purchase I initiated a voluntary repossession/surrenderin XXXX of XXXX they took possession of car in XXXX or XXXX of XXXX prior to our agreement that I would pay storage, remove my possessions and call themimmediately for them to pick up car as a voluntary repossession/surrender The Company Quality Acceptance has not engaged in Fair Business Practices and XXXX and XXXX also did not engage in the Fair Credit Reporting Act in which I have the right to dispute incomplete or inaccurate information This was a voluntary surrender/repossessionwhich I have disputed since XXXX with no resultsdocumentation that I sent them
Product: Credit card

I responded to a credit card offer with Target. There was a promotional offer if I opened a card I would receive {$50.00} coupon to use off of a purchase of {$50.00}. I received the card and the coupon in the mail. The promotional coupon said to download the coupon by scanning it no later than XX/XX/23 and the coupon has an expiration date of XX/XX/23. The problem is I did not receive the card until a few days after XX/XX/23. I tried to download the coupon but I received an error message saying it was invalid. I called Target Guest Services and I spoke to someone who assured me they would mail another coupon out with the correct dates. Three weeks later I have not received the coupon. I called Target Guest Services again only to be told that there was an error made by the printing company and the scan by date was wrong it should've matched the expiration date and there was nothing they could do about it. So, I was not given the promotional offer promised for opening the card due to their error. I asked to speak to a XXXX. I was put on hold for about 15 minutes then hung up on.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated 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
Product: Vehicle loan or lease

Wells Fargo deliberately charging high interest on their auto loans to make extra money from consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.