23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Hello, On XX/XX/XXXX XXXX well over one year ago ) I bought a XXXX XXXX  Concert Ticket for my husband through XXXX but financed the purchase through Affirm. The ticket purchase was in the amount of {$680.00}. 

The XXXX XXXX concert was canceled due to COVID-19 and the status of the concern is saying " TBA. '' I have asked both XXXX and Affirm to refund me my money but XXXX tells me that they can not cancel and refund the ticket unless the concert is showing a " cancelled '' status and Affirm is telling me that they can not refund my money until XXXX tells them to refund my money. 

XXXX has refunded everyone 's money on their XXXX XXXX ticket that requested one due to this show being cancelled even when showing a TBA status. 

We do not want to way for literally " years '' to get our money back on the ticket and we bought the ticket for a particular " date '' which was for XX/XX/XXXX at the XXXX XXXX, XXXX, Texas. 

Please help get me my refund. The Affirm ticket financing was paid off in full on XX/XX/XXXX. 

Both companies XXXX and Affirm are giving me the runaround about my refund request. Again, XXXX says they can not refund any concert ticket that is showing a status of " TBA '' and Affirm is telling me they can not refund my money until XXXX tells them they can. 

I would like to file a complain on " both '' of these companies - XXXX " and '' Affirm. 

We have waited long enough for XXXX XXXX XXXX band to figure out what they are going to do. 

Thank you very much! 

Sincerely, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring your attention to a matter of significant concern and frustration regarding the multiple requests I have made to JPMorgan Chase Bank for a 1099-C form. On XX/XX/year>, I sent a certified letter with tracking number XXXX XXXX XXXX XXXX XXXX, explicitly requesting this form for a debt that was charged off. The 1099-C form is necessary for me to fulfill my tax obligations, as required by the Internal Revenue Service ( IRS ) for charged-off debts. 

Despite my efforts and numerous requests, I have not received the requested 1099-C form from JPMorgan Chase Bank . This situation is causing undue stress and inconvenience, as I am unable to accurately file my taxes without the necessary documentation. 

I kindly request that JPMorgan Chase Bank takes immediate action to address this matter by providing the following : Issuance of 1099-C Form : Please promptly issue the 1099-C form for the charged-off debt, and ensure its delivery to my address on file. 

Confirmation of Delivery : Provide me with written confirmation of the date on which the 1099-C form was sent to me, along with any tracking information if available. 

Resolution of the Issue : If there are any outstanding issues preventing the issuance of the 1099-C form, please provide a detailed explanation and steps to resolve the matter. 

Deletion of Items : In the event that the 1099-C form can not be provided, I request the immediate deletion of the relevant items from all my consumer reports. 

I want to emphasize the urgency of this matter, as it directly impacts my ability to fulfill my tax obligations in a timely and accurate manner. Your prompt attention and cooperation in resolving this issue are greatly appreciated. 

I trust that JPMorgan Chase Bank will take immediate and decisive action to rectify this situation. I look forward to a swift resolution and the provision of the necessary documentation to allow me to file my taxes.
Product: Checking or savings account

On XX/XX/ I attempted to open an account with " XXXX '' online banking service, and was denied without notification as to why. The parent bank is " XXXXXXXX XXXX XXXX XXXXXXXX ''.
Product: Credit reporting

EXPERIAN HAS BLOCKED MY ON-LINE ACCESS TO DISPUTE. 
experian has permitted XXXX different furnisher 's to report accounts without a date of XXXX delinquency.the date is required by XXXX XXXX.the date must be accurate according to this citation which i have cited, circled and underscored. 
Without this date or a fall-off date the negative reporting continues forever and that is illegal credit reporting. 
PLEASE CORRECT OR DELETE AS PROSCRIBED BY LAW OR FACE CFPB FINES AND CIVIL SUITS.
Product: Credit reporting or other personal consumer reports

I have never done business with XXXX XXXX I've never opened an account with XXXX XXXX XXXX either. I have no knowledge of these accounts. I reached out to them to make them aware of my victimization being trafficked abused and disputed this information. They put on my report that I diapered the account but it meets fcra standards. This is egregious which means transition didn't do their job in investigation not did XXXX XXXX. I want XXXX removed XXXX XXXX removed as well as the hard inquiry associated with the companied and my score accordingly
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to ignore my multiple disputes and violation of FCRA and consumer laws. Experian has added more inaccurate and incorrect information for which I am also asking to be removed.
Product: Prepaid card

I bought a card XXXX but it didn't work. I tried to get a replacement, which I received around XX/XX/year> with card number ending in XXXX. The card did not activate ; the representative XXXX refused to activate it. I sent in documents which were never disclosed beforehand ; I do not have to provide such unnecessary documents pursuant to California privacy law. Nevertheless I sent in the documents and never heard back. I sent in more documents but I really just want my money back.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I paid off the total balance on my Bank of America ( BofA ) XXXX XXXX  credit card more than three weeks before the balance due date. There was a XXXX balance on the account, so there should have been no minimum payment due. On XX/XX/2021, BoA transferred {$25.00} dollars from my checking account at another banking institution, even though there was a XXXX balance on my credit card account. The account currently has a - {$25.00} balance. 

I have autopay set up on this account, with the payment set to pay only the minimum payment due amount, and as there was a XXXX balance on the account, so there should have been no minimum payment required. I called BofA customer service to dispute the payment and explained the situation, and was hung up on. The payment was not reversed.
Product: Debt collection

Received a letter from IQ DATA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX about owing {$110.00} XXXX to my previous landlord. ( XXXX XXXXXXXX XXXX XXXX ) I went directly to the Landlord and was told that I actually only owed {$57.00} and that they will correct it with IQ XXXX. I contacted IQ for a new bill and instead it showed on all my credit reports as collection and still the wrong amount. I told them I am more than willing to pay the {$57.00} but they refuse to accept saying I owe {$110.00} which is not true at all.
Product: Checking or savings account

I deposited a check of {$6000.00} to my Wells Fargo account using my debit card number XXXX on XX/XX/XXXX but my money is being held and I am told the money may not be available to me until on the XX/XX/XXXX or my check declined and returned after XX/XX/XXXX because I did endorse the back of the check. I have called Wells Fargo customer services 4 times but they would not release the funds to me insisting that a verification is being done. They have not contacted me nor the paying bank for the verification and have declined to return my check. 
My account is overdrawn and I have overdraft charges to pay. Customer service response to me has been horrible as they can not explain the verification process to me and I can not communicate with the verification department to expedite the process. 
I want my funds released to me to avoid additional financial and emotional damages.
Product: Credit reporting

The mortgage and lease auto accounts were paid in full and no longer valid. Last reporting information needs to be reported with comments that these loans were paid as agree upon. 
The Tax Lein is close to XXXX years old and was paid off before it was submitted to collections. The public report needs to be removed from XXXX Credit Bureau immediately. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and all other medical collections were paid in full and should be removed from this credit reporting agency.
Product: Credit reporting or other personal consumer reports

This was my follow up regarding my previous complaint dated XX/XX/XXXX. It has been brought to my attention that you are NOT removing items when theyre sent with an FTC report. Since it is a requirement by law XXXX of the FCRA, if you choose to not remove the following items listed below which are reporting inaccurately due to misrepresentation in my credit report, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are inaccurate & were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX Balance Owed : {$4600.00} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$4600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- TransUnion : XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX Balance Owed : {$4600.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit card

I have a payment receipt from XXXX for {$77.00}, on my statement I see that I was charged {$120.00}. 
Where is the fair credit billing act when needed ( XXXX )? 
Contacted Chase, they have a person with a accent I do n't understand contact me. I complained multiple times but Chase is was did not understand my XXXX. After multiple complaints that I need to speak with a proper XXXX speaker ( I am XXXX ), they sent me a letter and asked for a response using a fax.Ii have sent several faxes but did not hear anything back.
Product: Prepaid card

I received a gift card about three weeks ago, and it has a balance of {$50.00}. The card merchant 's name is Vanilla Gift ( vanillagift.com ). I opened up the envelope that held the card, and the card number and security code were scratched off on the card. I made a phone call to Vanilla Gift customer service to request a card replacement due to the damage to the card. However, they said they could not send us a replacement card without the receipt of the card. Since I received this card as a gift, there is no way I can have a receipt without bothering the gift-giver. Moreover, they started opening the case without giving me the following important information. First, they did not inform me that I could have used this card offline if we had not started the replacement process and prematurely opened the case even when I told them that getting the receipt would be difficult to impossible, making the card unusable offline. Second, they asked for my name without informing me whether it should be legal or preferred and opened the case with the wrong name and now asking me to send them documents with my legal name, not my preferred name. The case once opened could not be closed and the card was made unusable without a receipt due to the fault of the company 's. The case number was XXXX The card packaging was not damaged, suggesting that the card was tampered before packing during the manufacturing process. After searching online, it seemed as if this was a common issue, some speculating that the company was doing this intentionally to prevent the cards from being used properly and eventually profiting from unused funds upon card expiry. The card number and security code has been scratched off in the precise location ( along with many supporting similar incidents ) to believe that this is not an accident but intentional. I believe that this kind of malpractice is an extremely serious problem, causing me to raise this complaint. 

Thank you for looking into the matter. I sincerely hope that vanillagift can be held accountable for this action, and that the problem can be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

SALLIE MAE reported to XXXX that I am 90 days past due on XX/XX/XXXX. This can not be true because I applied for a forbearance due to a hardship to cover me. It covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. For some odd reason, XX/XX/XXXXis past due. The forbearance should have covered me for XX/XX/XXXX. I filed a dispute online with XXXX on XX/XX/XXXX. On XX/XX/XXXX, the updated information doesn't show the 90 days past due information deleted from my credit report.
Product: Vehicle loan or lease

I unfortunately do not have an exact date as it has been since I have obtained the loan. For 90 days I was told I did not have to make payment they had some special going on out of desperation to sell their vehicles so they didnt have to pay lot taxes on the vehicle at the start of their new year. They reported me for being late in those 90 days and after I made the first payment they proceeded to report me late then too. They also reported me late to you more than once within the month and it has impacted my credit tremendously and taken it down by over XXXX points in less than 6 months. I have not owned the vehicle for 6 months yet they have reported it late a total of XXXX times. How is that possible exactly as its every 30 days was my understanding. I know they have had issues with this exact behavior and other Consumers in their past and even a class action suit so I do hope it doesnt progress to that but I am willing to do so if necessary. I was late so thats fair them reporting that but I am paid up and they dont report it as current and have not done so when it is current it seems they only report when I am late on occasion and multiple times within a month which is not legal. I just need help please I have no sway in this and I am absolutely powerless I need help please.
Product: Credit card or prepaid card

This is linked to prior dispute which was then resolved but has resurfaced : CFPB Complaint ID : XXXX I had received {$200.00} statement credit on XX/XX/XXXX as per the letter enclosed ( XXXX, XXXX XXXX XXXX ). 

Separately, I had made a new booking on XX/XX/XXXX with Trip ID : XXXX. 

On XX/XX/XXXX, I cancelled a booking ( Trip ID : XXXX ) and was then charged {$200.00} on XX/XX/XXXX. Upon calling American Express Travel, they noted that the {$200.00} XX/XX/XXXX charge was because a statement credit was given to me on XX/XX/XXXX. I tried to explain to them that the XX/XX/XXXX statement credit for {$200.00} should not be linked to Trip ID : XXXX, rather it was a resolution for CFPB Complaint ID : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has repeatedly failed to validate this debt per my request yet it remains on my credit report and continues to have an increasing balance. 

The creditor XXXX XXXX continuously responds to my complaints but have yet to provide my signature on any documents that authorized transport in a ambulance and who the transport is for. Ive continuously in good faith have offered {$100.00} to settle this account regardless of validating the debt because it is hindering my score with their false reporting. They continuously come back with a counter offer that is outside of my budget and still fail to send me the documentation requested.
Product: Student loan

I have been in the XXXX plan and on administrative forebearance since XXXX of XXXX ; however, Mohela shows that interest has been accruing even though no interest is supposed to accrue during this time. There are also no payments due and Mohela is stating that I have payment due on XX/XX/XXXX. I should not have been accruing any interest nor should there be any payments due. I have tried to reach out to Mohela, but they state there is a XXXX hour wait time. They are very difficult to reach.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit. 


XXXX XXXX Current XXXX Opened {$62000.00}
Product: Debt collection

I logged into XXXX XXXX  over a year ago and saw there was a collection placed on my account for XXXX XXXX. I tried disputing this with XXXX and they would not remove it. I then filed a police report and disputed it with XXXX and XXXX. XXXX and XXXX removed the collection but I did not know that XXXX also showed it on their side as well. I filed a police report regarding this ( case XXXX ) with the XXXX XXXX XXXX and XXXX XXXX is the current owner of that case. 

I attempted to contact both XXXX and Source Receivables ( the collection agency ) to dispute this directly and both were unhelpful. XXXX would not help me as they needed an account number to help me, and I do not have an account number to provide as I have never been a XXXX customer. Source Receivables would not assist me either as they referred me back to XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote to Equifax to have some hard inquiries investigated and removed. They are not mine. I already contacted the company and they said I needed to get in touch with the credit bureau. Im stressed because I did not give that company permission to run my credit. The inquires were not authorized and Equifax never responded.
Product: Debt collection

Midland Credit Management called my sister in law regarding my credit card debt on XXXX. My sister in law is not on any accounts of mine. They also attempted to call my mother the same day. XXXX  is not on any accounts.
Product: Credit card or prepaid card

SYNCB/PPMC # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which is still LAWFUL and has forbearance and credit reporting requirements that may apply to my situation. Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$7500.00} from Huntington National in XXXX 2007 to pay off some credit cards. It was just a regular installment loan, covering 10 years. I did n't realize until the next tax season that it was actually a home equity loan. I never negotiated that. I was mad at first because the interest rate -- I believe around 9 percent -- was way too high for a home equity loan. But I did n't go back and dispute because I was able to write off the interest at tax time. Since the loan is about to mature, I called Huntington about a payoff quote. From the conversations I had, I learned that for nearly 10 years, my automatic payment was being withdrawn on the XXXX of the month, eight days after the due date of the XXXX! I was told they have no record of me agreeing to do this. Since there is a 10-day grace period I entailed no late charges, but I discovered for the last near 10 years I have been paying additional interest eight days each month. So during the 116-month span I 've had the loan, I 've paid additional interest on eight days per month -- a total of 928 days.