23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a stay at a hotel ( XXXX XXXX XXXX ) for 4 days ( XXXX ) through a third-party site ( XXXX ). I had no issues checking in, during my stay, or checking out. However, upon checking my credit card statement later on, the hotel charged me an additional {$68.00} ( on XX/XX/year> ). I wasn't told of this at any point. Not during my actual purchase, during check-in, or during check-out. When I emailed them, they mentioned it was for a " facility fee ''. Something I didn't consent to pay and wasn't informed of. I called my credit card company, they mentioned that they need to know more information about what the fee was before they could dispute it. After many attempts to reach them, I finally got a response where they said the fee was for the use of a few facilities I didn't use ( or know existed ) as well as Wi-Fi and parking, both of which are listed on their website as " complimentary ''. Upon returning to my credit card company with this information, they said that XXXX has a policy against submitting claims on things the vendor has identified as a fee. By this logic, anyone can charge me any amount of money and as long as they claim its a fee, I can not dispute it. 

I'd like to emphasize, I wasn't told about this fee during purchase, during check-in, or during check-out. They haven't even given me a receipt ( the third-party side I purchased the stay through did, and the fee is not included, the receipt is attached ). I was simply charged without warning, and if I hadn't checked my credit card statement, I never would've known. This fee is also not mentioned on their website or anywhere else. Without any warning of receiving this fee, how are they allowed to charge me for it? I would not have selected this hotel if I knew I would be charged this fee, as it made my stay more expensive than several other options I was considering. Can any hotel ( or any organization ) add on any amount of money to a purchase and claim it was a fee without informing the consumer? 

I would like to be reimbursed for this fee. 

Thank you, XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with TARGET/TD with the account XXXX. The current status should not be showing late because I think I paid on time. This just proves that XXXX Credit Bureau lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise fix these accounts immediately. CORRECT THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT.
Product: Debt collection

I received late payment notice to my XXXX XXXX for purchase I didnt made through XXXX XXXX. 

Now I received a mail from January technologies inc. stating I owe this amount through XXXX XXXX which I know nothing about.
Product: Credit card

XXXX unauthorized changes made on XXXX XXXX XXXX XXXX. Received a statement form Credit Card Company in XXXX XXXX showing a {$0.00} balance. All XXXX XXXX XXXX cards and accounts closed XX/XX/XXXX. XXXX reference # XXXX ( XXXX ). Complaint # XXXX. Thank you for your time XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I enrolled the balance into a debt relief program New Direction ( https : //nddebtrelief.com ) in XX/XX/XXXX which forced the debt to go into collection and later on sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported XX/XX/XXXX ). New Direction has reached a settlement a agreement with XXXX and the agreed amount was settled and fully paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX on XX/XX/XXXX and they asked for New Direction to contact XXXX XXXX XXXX at ( XXXX ). I contacted New Direction same day but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done on XX/XX/XXXX more than a month ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter XX/XX/2021 and Equifax nor XXXX  has responded within 30 days. I'm asking the accounts listed on the dispute letters be removed asap per the FCRA they are to respond in a timely fashion and if they don't they have to remove all items by law. These companies have failed to uphold the law!
Product: Credit reporting or other personal consumer reports

I have been disputing the account with XXXX XXXX XXXX XXXX XXXX  for over a year and a half now. I have repeatedly asked them to validate this debt and they have refused to move. I have also disputed this account with all 3 credit bureaus and only XXXX has taken action to remove this debt from my account after I have filed an FTC report on this account. When this debt was open, I was unfamiliar with a credit report or things being placed on my credit report. I am a victim of identity theft and have tried to explain that to this company, yet they have failed to acknowledge the FTC report and other documents that I have sent to them concerning this account. 
I am attaching the FTC report again, so that they can see and that I am acknowledging that this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted XXXX XXXX  with account balance of {$2000.00} on my credit report then added it back. The first delinquency has already exceed 7 years in XX/XX/2020. XXXX  and XXXX  deleted from my credit report on XX/XX/2020 but problems with Equifax  as usual. Its not like the creditor tells credit agencies okay go ahead and delete from XXXX  and XXXX  but not Equifax. Equifax needs to follow FCRA and remove old information. I have proof that it has been deleted from XXXX  and XXXX. I am not saying the debt is not valid but I am saying that Equifax needs to follow the law. They are not supposed to be reporting debit that is over 7 years old. Equifax should not be able to report incorrect information. Everyone always says they hate dealing with Equifax and I wish there was another credit bureau that would replace Equifax. They lie, misreport information, and are difficult to deal with. My credit score are like 60 -85 points  higher with XXXX  and XXXX.
Product: Vehicle loan or lease

I leased a car from peoples commerce i got sick an was one week behind i made arraignments to paid it up. XXXX XXXX took it upon herself to personally hit my debit card 3 times when my card is already has auto pay this company an this girl has been hitting my card 2 to 3 times a day when shes not authorized to do so I called 5 or more times XXXX an another lady in the office laughted bout it saying this is going to be funny.I never got to speak to a supervisor manager no came to phone or no one called back this lady keeps doing this I have asked her not to do this an she keeps hitting my card.
Product: Credit card or prepaid card

We have 1 Mastercard with Bank America. They bought the card from XXXX XXXX XXXX years ago. 

We pay the entire bill every month, I have an XXXX FICO SCORE. They have been charging for XXXX XXXX  which we did not approve. 

The main problem is I paid TOO EARLY!!!!!!! HAVE YOU EVER HEARD OF SUCH A THING??????? 

I pay the bill at least 5 days prior to the due date to make sure they have time to apply it to my account. we have never ever carried a balance on this card. 

Since last Saturday, XX/XX/XXXX wherein they said my bill was over due. NOT TRUE IT WAS PAID MORE THAN ON TIME.

When my husband called the customer service person said he saw the payment the next payment is due XX/XX/XXXX which bill we have not received yet. 

I tried to get through to the CEO/PRESIDENT whose name is XXXX XXXX XXXX who has been CEO since XX/XX/XXXX and is a lawyer as well. 

As a CONSUMER ADVOCATE i was the problem solver for XXXX in XXXX and got through to all executives - well times have changed. 

When we asked why their web site shows we owe money and the automated voice nonsense says the same -- -- NOT TRUE. My husband got through to a human and the man said we owe nothing and he does not know why his web site says otherwise. 

We are unable to get any kind of satisfaction regarding BANK OF AMERICARD MASTER CARD. 

At this point they are playing games with my Credit Score and this disturbs us. 

There is no resolution to this simple issue. 

XXXX XXXX. XXXX and XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2018 EXPERIAN INFORMATION SOLUTIONS RE : Requesting a Method of Verification Letter RE : XXXX XXXX RE : XXXX XXXX XXXX Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, with my address and social security number, dont know how you did it, but, its not correct because XXXX DOES NOT have that account number attached to THIS ADDRESS! AND XXXX XXXX DOES NOT HAVE 12 LATE PAYMENTS ON MY ACCOUNT. And you are electing to leave these errors on my report. 

I am absolutely certain that the items I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. 

Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this deliberate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,
Product: Mortgage

Over the last two year, I have submitted a mortgage application with every major bank and credit union in the United States. Initially, I am approved and offered loan terms. The very next minute, or day, the mortgage opportunity is taken from me. I have dealt with this on going problem for a long time, and likewise I have submitted multiple mortgage application, that are Initially approved, my credit is ran, my assets are verified and I am given a loan originator to work with and a loan number. In the various loan petals, I am tasked with items that need to be furnished to the loan company. Often times the tasks I am required to complete are done in the same day as the application itself. 
Just like that, the mortgage offer is resented, and when I inquire about the flip-flop act, to date no bank or loan company will share any info other than my credit score does not meet the mortgage company or banks standard. As I explain to the various, institutions the assets I hold and the job I have, can afford to pay outright for multie multi million dollar homes. The ability to pay the loan off is a effortless task. Next when I inquire about What adverse or derogatory items are on my credit while looking at the credit report there literally are no items on my report. I'm always told that I don't have enough credit established. Furthermore when I try to establish credit or raise my credit I get denied ; and have been every time for a secure credit card or unsecured credit card or any other credit building instrument. Literally I own XXXX XXXX dollars in assets, and I can't qualify for a mortgage. Unfortunately some of those assets are illiquid and I don't want to withdraw those funds ; athough if it meant getting a home I would. My total debt is {$14000.00}. I'm not a underwriter however I'm pretty sure my debt income ratio or my debt asset ratio is Better than 99 % of the United States Citizens and that would include those that turned me down after they proved me. So at this point I'm stuck between a rock and a hard place, with no outlet simple put I'm trapped, and unfairly. I've applied so many times to all major banks and every major mortgage lender or hard money lender, that I'm exhausting my ability to inquire and apply for a mortgage. Banks including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HSBC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other all have approved my application, and 24 hours later despite the info provided by me as requested ; the offer ( s ) are withdrawn. Two of the three credit bureaus don't even generate a XXXX  score. The other lists my score above XXXX, which is the national requirment to extend a FHA loan. I have also tried non traditional methods to qualify for a loan, including supplemental credit qualifications, no document loans, and stated income mortgages, among various others. In total I estimate that I have submitted nearly XXXX mortgage applications. Of those XXXX ; XXXX  of those applications were approved, and also withdrawn.
Product: Payday loan, title loan, personal loan, or advance loan

Have previously tried to locate and pay all outstanding loans. Was told there were no more. Received a phone call from " XXXX XXXX out of XXXX Georgia '' saying they would take me to court over a bad debt from Check N Go from XXXX KS. They claimed a payment we made in XXXX  " reopened the case '' but we made no such payment. The initial contact was with my husband via text message. We believe this to be scammers but didn't know if there was a way to track things back to their original source. He responded to the text message by calling the number in the text. They then looped me in to a 3 way call. The person on the phone did not identify himself and threatened us with legal action. The phone number the person called from was a spoofed number with a local area code on it ( XXXX XXXX KS ). When my boss called the number back from her phone, the woman answering stated she was with XXXX XXXX When asked if she was located in XXXX XXXX KS she state she was in XXXX Georgia. She asked for my boss 's phone number because my boss claimed she had missed a call from them. The lady reported the call must have been in error because her number wasn't " in their system '' and when my boss tried to further question about their business, the woman hung up on her.
Product: Credit card or prepaid card

In XXXX and XXXX of XXXX, we purchased several appliances for our new home from XXXX totaling {$9200.00} ( receipts attached ). The sales person offered interest-free financing for five years and 5 % off of the total purchase if we opened a GE Capital credit account and made payments directly from our checking account. We were prepared to pay for the appliances in-full, but were lured into this predatory plan. We opened the account and financed {$6600.00} of the purchase. For five years, the direct payments have been made out of our checking account, as required. This week, we looked at the online account, expecting the balance to be at or near zero. We were outraged to see that the remaining balance was {$4700.00} ( statement attached ). In addition, we saw that they were charging 29.99 % interest and that at this rate, it would take 19 years to pay off the balance. This is not what we were lead to believe nor is it any type of plan that we would have accepted. 

We have no way of knowing how much we have paid over the years in interest since the online statements only go back a year ( document attached ). We see more confusing information on the attached statement under the Transaction Summary then inside the XXXX Totals Year-to-Date section that the Total Interest Charged in XXXX is {$370.00} and below that the Total Interest Paid in XXXX is {$530.00}. In addition, the activity report ( attached ) is confusing because it shows the timing of payments and interest charges several days apart. Why is this? 

We initially set up the automatic deductions from our checking account so there would never be a missed payment or ding on our credit report. The description of the plan was not presented accurately. The information online is incomplete. The whole situation is predatory and designed to mislead customers into a financial trap. 

We immediately paid off the balance to stop the robbery and looked for a way to recover the money lost to their misleading program. The plan was misrepresented to us. The terms were not followed as represented. There have been no paper statements nor mailings to provide a status of the account or to inform us of any charges. Even if the mailings were sent to our previous address, they should have been forwarded to our new home address. 

XXXX went out of business shortly after our purchases, so we couldnt go back to them. We saw on the CFPB site that there are many other consumer complaints of the same nature against XXXX GE Capital, and Synchrony. After the way GE Capital and Cynchrony have treated us, there is no trust remaining to ask them for help. Therefore, in pursuit of quick resolution, we have chosen to bring this matter directly to CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$1200.00} This account does not belong to me. This dispute is not being initiated as an attempt for credit repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes! what I want to start out with is in XXXX of this year XXXX the bank that I am with right now did not get a cancellation of an item that was canceled by XXXX with the cancellation there should have been a return I called them they say that they did do a refund Like I said again I did not myself cancel the item this did arrive a separate item it was a XXXX XXXX  that was ordered separate it did arrive this was part of the offer but the XXXX XXXX XXXX did not, the money was in the bank to cover this I know my Attorney 's know about this and if good could uncover the exact and approximentely the dates and amounts that you could see this.The approximent figure of money that was lost {$850.00} XXXX XXXX XXXX  XX/XX/2022 And there is a thing that going on this month in XXXX XXXX 2022 this bank want to say there is a reversal on a XXXX XXXXXXXX payment Phone that set for XXXXXXXX XXXX  days the money that they took this month was {$79.00} this is false and was a showing transaction to be good and they go in and reverse it when I am over in my checking account I know + {$1.00} Yes! I wouldn't lie. The total amount that this bank owes me {$930.00}, I reported this quite a few times through FTC XXXX XXXXXXXX finally run across this that has been missing in y'alls website here the cfpb the Bureau maybe you guys can get something done about reimbursement of this {$930.00} my Attorneys are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ( XXXX ) XXXX alt. ( XXXX ) XXXX at this time that's all that I have to report Thank You!
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, unauthorized inquiries were present, which shouldnt have happened. I regularly check my credit report, and this was unexpected. I tried refreshing the browser in case it was a glitch, but the issue persisted. I need the documents Ive sent to be reviewed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.

DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX Balance {$0.00} XXXX XXXX Balance {$43.00}
Product: Credit reporting or other personal consumer reports

The following items currently listed on my consumer report, as they have been reported without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), pursuant to 15 USC 1681b ( 2 ) : 1. XXXX XXXX Credit Card Account Number : XXXX 2. XXXX XXXX XXXX XXXX XXXX ( Charged Off ) Account Number : XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 7. XXXX XXXX XXXX XXXX Account Number : XXXX The information reported for these accounts is incomplete, inaccurate, and has been reported without my explicit written consent. This violates my rights under the FCRA, which clearly states that consumer reporting agencies may furnish consumer reports only in accordance with the written instructions of the consumer to whom it relates ( 15 USC 1681b ( 2 ) ). 

Furthermore, the FCRA prohibits creditors from treating a payment on an account under an open-end consumer credit plan as late for any purpose ( 15 USC 1666b ). Therefore, any late payments reported for these accounts are also in violation of federal law.
Product: Credit reporting or other personal consumer reports

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- -XXXX XXXX XXXX, on XX/XX/2023 -- -Mercedes-B, on XX/XX/2023 -- -XXXX XXXX, on XX/XX/2023