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

On XX/XX/XXXX I booked a hotel reservation for a hotel called XXXX XXXX in Hawaii for to stay in XXXX, through XXXX, serviced by XXXX. Soon enough, all travels were being cancelled due to response to Covid-19, XXXX shut down it's customer services and had updated their website mentioning all booking may be cancelled. No support services were available ( no phone, email etc ), their website simply had text update to reach out to the hotel directly. Upon confirming with the hotel the reservation was cancelled by the travel vendor. As of XXXX, XXXX XXXX XXXX is no longer functioning. 

I filed a dispute on XX/XX/2020 with Discover Finance a {$910.00} charge by a travel vendor XXXX. The charge was still there, I had no means to directly contact the vendor directly to recover it. Discover Finance at the time was in favor of my dispute. Until my dispute was reversed in favor of the merchant, and the {$910.00} charge was placed back to my account in XXXX. 

The dispute notes from Discover says that the vendor claims I made no attempts to reach out to them to cancel the booking, thus the charge is valid. Discover found this enough to reverse the charge and in my attempt to re-open my dispute they let me know " in order for us to review our options, we will need written documents from the merchant stating that a full refund is due to your credit card ''. I called the support number to attempt to get support on this dispute on XX/XX/XXXX, even though the respondent agreed it should be reversed in my favor, she needed a supervisor to contact me. I was told to wait 48 hours and someone will contact me. I waited two full business days, no one has attempted to contact me.
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. 
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 has violated my rights.

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: Vehicle loan or lease

The last series of letters I sent to Ford Credit was sent on XX/XX/XXXX, they did not respond until XX/XX/XXXX ( 32 days ). In this inquiry, I had provided proof saying that they have not emailed statements as they have previously indicated they have. I had asked how they were able to confirm the emails were sent, and in their response on XX/XX/XXXX their response " Ford Credit has confirmed the email notifications were still being sent ... '' This is not a valid method of confirmation or proof. That would be the same as me saying " I confirmed that I have paid this account in full ''. When I made my claim that statements have no been sent, and no notifications have been sent I provide proof by showing the gap in the emails as I own my email server and I can provide PROOF of what emails I have received. I would imagine Ford Credit who is a large company would have this technology or better and can provide ACTUAL proof that the emails were sent, besides just stating such a claim. 

Ford is not taking my claim seriously and I no longer have access to any statements as they have locked my account out. Had statements actually been provided and had I actually had access and notifications of these statements and due dates I would never have been in the rears with my payments. Ford had caused my account to become delinquent and is not correcting these issues or owning up to their errors. While the errors may only hurt me, this allows Ford to profit off me by charging me higher interest for a poor credit score now. This is unjust.
Product: Debt collection

Continuous threatening calls at work numerous times a day although I informed him to stop calling my place of work. He uses profanity and attempts to reach other people within my workplace to share my personal business. He leaves voice mail messages and informed me that he has me on a 24 hr. reminder. He informed me that the debt consisted of XXXX companies, but when forwarding the information to me, it only referred to XXXX company for the full amount discussed. I have emailed him on XXXX occasions to dispute/ try and resolve the matter, he has not responded in writing to either XXXX. However, he will call and speak very rudely to me and continue with threatening to seek wage garnishment and alert my coworkers. I hung up on him and he called me right back 10 times consecutively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX XXXX XXXX {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Items on my credit report that was disputed and stated removed are still showing up on my report. I was shown a file number on the removed disputes but when trying to retrieve them it would not allow to see again hindering me from showing documented proof of the removal. 1 account with an outstanding balance of {$7700.00}, and another of {$440.00} were shown to have been removed on XX/XX/21 and I want all bureaus to reflect it on my credit report. Im getting no response from them on this matter.
Product: Credit card

On the date of XX/XX/2023 at XXXXXXXX XXXX. eastern time zone, I had dial the dedicated customer service phone number for the Oportun 's credit card department at XXXX and pressed 1 when prompted to speak to live agent. I was able to connect effectively and spoke directly to a customer service representative for Oportuns credit card services department. His name was XXXX and he requested to give him specific information to verify my account in which I immediate did. After he verified my account with the informationI had given him, I had asked the representative if my credit card is still currently active as of today. He told me to wait while checked it on the computer but few minutes later he told me that my credit card was closed. The one and only main reason he said it directly from him what he sees in his computer was that there were " no activity '' ( no usage ) on the card. The card was closed on XX/XX/2023 and there were no explanation before or after it had been closed. I also asked him if he could turned it back on but he said that he can not and I have to reapply again. I then proceeded to ask if he could transfer me to a supervisor or someone who authorized that deals with these type of issues and concerns. He said he can not. I did not want to argue over the phone for his refusal and ignoring me to get this fix so I politely end the call. 

I had NEVER owed debts, NEVER made late payments, nor NEVER carry balances over on all/any Oportun Credit Card . The ONE AND ONLY main reason why my credit card was closed unexpectedly without proper notice was because I did not use the credit card ( no activity ). This type of act is not even serious enough to warrant to a closure. I still have direct procession of the Oportun credit card and I use it only when I needed it. Closing someone account is not right, I understand that I am a XXXXXXXX living in a city and neighborhood where it is from low to medium income area but that does not mean the people who decided to deactivate think/feel I am a nobody and I do not have the right or even privilege to have this card. Closing the card for one small thing is a slap in the face purposely.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, Equifax announced that they had suffered a security breach that exposed personally identifying information of myself as well as many millions of other 'customers. ' From their press release on the subject : " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.SXXXX consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

Equifax discovered the unauthorized access onXX/XX/XXXX of this year and acted immediately to stop the intrusion. '' Through their site, https : //www.equifaxsecurity2017.com/, they have confirmed that I have likely been affected by the breach : " Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Checking or savings account

My debit card was stolen and fraudulently used to withdraw money from my account. The Fraud Alert sent by Chase was responded to and a follow-up claim was filed. The " investigation '' that occurred did not include any interaction or questioning with me and the determination is vague and removes all responsibility from Chase while making gregariously inaccurate claims against my character and what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2021 to verify my XXXX credit card accounts with XXXX XXXX is closed on my credit report. 
The supervisor confirmed my account is showing closed. 
I informed the supervisor at Equifax that XXXX is reporting the accounts to as open as of XX/XX/2021. 
She informed me to contact XXXX to correct the issue because shes showing the creditor has reported the account as closed and that equifax is also showing the accounts as closed. 

I contacted XXXX and they informed me there is nothing they can do on their end. XXXX advised I get back with Equifax or the creditor to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Checking or savings account

I have a current complaint # XXXX. Bank of America called on XX/XX/2021 confirming receipt of the complaint. XXXX at the XXXX XXXX XXXX XXXX. advised Bank of America would be calling to update with the resolution to the issue by XX/XX/2021. I have not received a response from them to date. I was given a number to call ( works ) and extension that doesn't work, XXXX ext XXXX. No options to speak with someone.
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 Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )  Account # XXXX has violated my rights. 
1 5 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 1 5 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: Debt collection

My credit report shows a collection from your agency. I was never notified of this collection. What's more I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT. I have the right to request and receive validation of the debt. Therefore please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license including license number.

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by us mail only.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly on light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was un feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a few hard inquiries and small inquires and i am hoping to get tcompanyhem removed immediately here is the list of hard inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are negatively affecting my credit score i need these to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ( BOA ) has incorrect information on my credit report and it is affecting everything. I have tried for 1 year 6 months to correct this problem. I have spoke with at least 15 Bank of America employees and they each tell me they 're going to help but to date nothing. The local branch in XXXX, MA stated to me I was correct and never had a line of credit with them. They have no paperwork. My father, whose name is same, except he is XXXX did have a line of credit. They ( BOA ) stated they would have it come off my credit report. It has been 1 1/2 years later and still no help. I recently tried to get a loan and because of this incorrect and wrong credit reporting by BANK OF AMERICA, I can not get a loan. This is RUINING my credit. They state I had a line of credit with them and I never had a line of credit with them. My father ( who has same name ) did have one with them. I had a loan from Bank of America for my camper and it was paid on time and in full to Bank of America. I have written letters, I have done everything ( BOA ) has asked me to do still no results. It started back in XX/XX/2016 I went to get a personal loan and it came up I had a line of credit with them and defaulted by bankruptcy. Neither of which happened with my me and my credit. This problem on my credit report is ruining my life and they have promised to help and all I get is a big run around are not helping me at all. The local branch said they would help and give them 30-60 days to have it removed, but here we are over a year later and it is still on my report. I am at the point where I will have to hire someone to help me and it will cost me more money to straighten this mess out. BOA has been no help and as of today 's date, it is still on my credit report. Any help is greatly appreciated.
Product: Debt collection

The creditor I owe ( XXXX XXXX XXXX XXXX XXXX. ) was called prior to charge off and told to cease and desist all phone calls but it was made very clear that I wanted letters. It was also made very clear that on both accounts the cease and desist must follow the account when it charges off. on approximately XX/XX/XXXX I called the law office of XXXX XXXX XXXX I talked to the collection department XXXX XXXX XXXX XXXX XXXX explained that my wife took very il and will not be able to work for some time that's why the accounts were not being paid. I offered to make a very small monthly payment of XXXX a month on each account he told me " there is no way he will agree to terms like that " He placed me on hold came back to the phone and stated " if I have any request send them in writing " then he hung up on me. My complaint is that I never was given the opportunity to dispute the validity of the debts ( the amount owed ). IN the beginning og XX/XX/XXXX I called again I was transferred to the department that handles my accounts when they realized it was me they immediately hung up on me. CLEARLY MY RIGHTS HAVE BEEN VIOLATED. I DID SEND IN WRITTING A REQUEST FOR VALADATION OF THE DEBT 'S NO ONE HAS SENT IN ANY VALADATION! I wish the CFPB would pull the tape recording for all my calls then you will see that I speak the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Mortgage

TD Bank of America approved by loan modification to avoid foreclosure on my home residence and future hardships for me in my old age with limited income social security income. The application documents were sent and approved on XX/XX/year> and I was sent new terms to start on XX/XX/year>. I signed and notarized and sent the documents through the bank directly. The loan servicing center of the bank objected that the original documents were not sent and asked to be sent again, so then I sent the original copies to the bank in the mail. Then they said they were not signed appropriately by the bank branch and then directed me to go to the bank branch XX/XX/year> ( today ) and execute the documents again but the bank manager of the XXXX branch, called the loan servicing center on the phone and she was told that it is the last day of the 1 month completion date of the documents so they directed me to send a new application starting with a new request/application. this application has already taken me 3 months to get the approval and I made efforts to collect almost {$90000.00} from different sources to reduce my current balance that is i.e. {$260000.00} from {$500000.00} which the bank is not properly debiting through the new terms effective XX/XX/year>.
Product: Credit card

I opened an account with Chase on XX/XX/XXXX. It was closed on XX/XX/XXXX, but I was never notified. Nearly 10 years of my credit history disappeared from my account, which is negatively impacted my credit score. If I had been notified of the potential closure, I would have used the account a few times, just to keep it open.
Product: Credit card

I haven't used the Credit Card for more than 20 months, I received the offer on XX/XX/year>, will earn {$300.00} statement credit when I make {$500.00} or more eligible purchases from XXXX XX/XX/year> or they will close the account. The previous purchase total of {$360.00} through XX/XX/year>. I purchased the air pod at XXXX in the amount of $ XXXXon XXXX received the item on XX/XX/year>. XXXX sent me the invoice that billed to my Credit Card and copy of delivered notice XX/XX/year>. I did not purchase it on XX/XX/year>. The merchant will not charge my credit card after the item was delivered it to me. I reviewed the statements and all the previous purchase dates were different than the actual purchase date. I reached out to Citibank and the agent told me that I purchased the item on XX/XX/year>. I didn't agree with that so I requested to speak with the supervisor. The supervisor told me that when I purchase the stuff on the actual date, the transactions will be posted to the card in 2 days later and then retroactive to the date that I purchased. I attached the copy of the invoice and delivered notice from XXXX. The supervisor told me that I purchased the item on XX/XX/year> and it's not true. The supervisor hung up on me and wasn't professional.