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

I filed a dispute with my Carnival Mastercard through Barclays. I received the response that they are holding me responsible based on the documents provided from the merchant to them. However in one of the documents, the merchant, XXXX XXXX clearly apologizes for the misinformation I was provided. This misinformation rendered the tour unusable. Their offer of compensation was for another day of hop on/off bus in NY, of which I dont live nor anyone that could have used on my behalf. Here is my original email to XXXX : When sold our hop on/off tickets we were explicitly told the buses run every 15 minutes until XXXX XXXX. Because of this we took a side trip to XXXX XXXX  for dinner at dusk. After dinner we walked back to stop XXXX about XXXX and waited a good 30 minutes before I realized I had an app to check the next bus arrival time. Lo-and-behold your app read the last buses are at XXXX. I dont appreciate being mislead to make a buck. NY is not really known for being safe in many areas at night. I had to find an alternate way back to the hotel and pay extra for that when we intended to use your bus. After doing my own research the only bus past XXXX XXXX  is the night tour which only has the one pick up and drop off. This is acceptable marketing tactics. I would not have bought the service had I known it was limited to XXXX. As slow as the buses take to get from stop to stop I would have stuck with a cab. I would like a refund of the fees that I was conned into. 

Here is one of her responses to me : We completely understand your frustration. Our Downtown Tours do run approximately every 20 minutes or so between XXXX XXXX  and XXXX, with the Night Tour running from XXXX to XXXX hourly on Monday-Thursday and until XXXX. We are sorry if you were misinformed in any way. As per our terms and conditions, all sales are final, and we are unable to issue a refund on this purchase. We are more than happy to issue you one day Hop On Hop Off passes, which would have a 2 year validity. These passes are also transferrable to a friend or family member in the case that you are unable to use them yourself. 



Also, The letter from Barclays also spoke about me signing a contract that explained they offer no refunds. I didnt sign any contract, rather gave my credit card to a street vendor who only received one signature of sale, based on my recollection. When I initially complained, I even offered for a reduced refund. As we used the bus once in the morning. But the way they operate their business it was not a viable option after. And again, as in my complaint above, they left me and my family in a bind in a scary area because of misinformation. I think this is unacceptable and I should be refunded for the tour. 

This trip was purchased XX/XX/2021. 
Card ending in XXXX. 
Amount : {$350.00}
Product: Credit card or prepaid card

I got a Chase credit card back in XXXX. I have never missed a payment. I received a letter taking my available credit line from {$7500.00} to {$5500.00}. I recently cleared my balance paying {$5400.00} on XX/XX/XXXX In return, Chase lowered my credit line to {$500.00} as of XX/XX/XXXX. This will cause harm to me by lowering my credit score and will cause me to pay more interest on the things I buy.
Product: Student loan

I received direct Federal student loans when I attended XXXX XXXX XXXX in XXXX XXXX from XXXX. The loans were paid directly to the school for my tuition. 

In XXXX I received information from my original student loan servicer XXXX Kentucky XXXX XXXX ) instructing me that they were no longer servicing loans and were transferring my loans to another servicer, Great Lakes Education. All of this occurred without my request. 

I contacted Great Lakes in XXXX to find out if my balance was eligible forgiveness because that was a condition of the repayment plan I was in ( 20 year forgiveness ) and my loans were near that age. Great Lakes falsely told me that my loans were originated in XXXX and therefore forgiveness was not an option. This is 100 % false. My loans originated only from law school XXXX. 

This year Great Lakes closed and transferred my loans again without my involvement to Nelnet. I have sent Nelnet XXXX emails and have also tried calling. Additionally I have sent email and called the XXXX department of education to correct the information about my loans so I am eligible for forgiveness. No one has done anything. 

I am at the point where I am going to hire a private attorney to sue them if your department does nothing to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complain for your failure to comply with a proper investigation into the accounts that you are reporting. This is my second complain, You are reporting information to the public domain about me without original documents, I need you provide me with original documents, i'm requesting that the CFPB get on these bureaus case, this is my second request and their failure to provide me with handwritten signatures is a blatant violation of the law. If you can't provide me original documents then please delete these accounts immediately. 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Please do a full and proper investigation on my accounts with the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for confirmation of your action. Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. Please note that I need this account corrected in order to qualify for a home loan.

If the company furnishing this account information informs you that it is reported accurately please provide me with all documents that prove the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including name, address and telephone number of the furnishers contacted. 

I also will require for purpose of discovery that all responses from your agency also be signed in ink by an officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer. 

It is my clear understating that you are required to maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on consumer is reported to be complete and up to date. Please complete your investigation within 30 days as permitted by the law and mail the results to me and if not resolved I will have no other option but to hire a law firm enforcing consumer rights under the Fair Credit Reporting Act ( FCRA ). 15 U.S.C, 1681 et seq. On my behalf to seek all possible remedies and damages associated with the Fair Credit Reporting Act ( FCRA ) laws. Please note that the Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the XXXX XXXX ) cordially XXXX XXXX
Product: Payday loan

I have gone on line to tried to get a loan from a company called Rise and the last time I tried to appy for a loan from this company the letter stated that fraud is on my record.I immediately called this company and was told that this information could n't be discussed over the telephone.I 'm very concerned about this situation because in 2004 MY previousdriver license information was used fraudulately in this women opening a bank account in my name.This is my email account XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

I had an unauthorized payment sent from my cash app account for XXXX XXXX on XX/XX/2021 {$880.00} I tried to handle with the cash support people but never did they answer me anything about how to handle this situation. I did not do this payment, I do not know this person and never would I have sent money too. 
I tried XXXX times to submit a request about it and still can not recover my money back. I had even requested a refund and didnt not it anything Reportes it on XX/XX/2021 and again on XX/XX/2021
Product: Debt collection

LVNV Funding LLC refused to cease collection of this allege debt so debt has now been cancelled with the IRS and reported as income so it can not be reported to the credit bureaus. XXXX XXXX XXXX has also been reported to the IRS so selling this information is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : I was informed in XX/XX/2018 that the credit reporting agencies ( XXXX, Equifax, and XXXX  ) would be notified about an arrearage in my ex-wife 's XXXX XXXX account. I disputed the information and have not heard anything from the XXXX  County Office of XXXX XXXX XXXX, ( XXXX ) in XXXX Maryland. 

I have been informed by XXXX XXXX ( when I applied for a mortgage loan ) that there is a judgement from the XXXX for an amount exceeding {$7000.00}. This is false and my ex-wide is attempting to disparage my reputation and good credit rating by stating that I owe back child support payments.
Product: Checking or savings account

I went to my Wells Fargo online small business account on XX/XX/2023. It verified an available balance of only {$13.00} so I transferred {$150.00} from my Wells Fargo personal account THAT SAME DAY, making the Small Business account available balance {$160.00}. The next day, XX/XX/2023 my online account showed my check # XXXX in the amount of {$57.00} posted to my account. However, my {$150.00} transfer from my Wells Fargo personal account still had not credited, even though it was an electronic transfer from a personal account to a small business account, both within Wells Fargo bank. My {$150.00} deposit to my small business account being from one Wells Fargo account to another being an inter-bank electronic transaction, my {$150.00} deposit should have credited immediately, as it more that covered the {$57.00} check, therefore eliminating the charge of the {$35.00} for an over-draft situation.
Product: Consumer Loan

A payment in the amount of XXXX was sent to a XXXX XXXX via Paypal Credit on XXXX XXXX, this was sent in error. Two previous payments made from my regular Paypal account in the amounts of XXXX on XXXX XXXX and XXXX on XXXX XXXX, also to sent to XXXX overdrew my account. The payments were made from my checking account and were both returned, Paypal in turn overdrew my account bringing it negative XXXX. I was unaware of this and sent another payment of XXXX to cover both payments, which I thought were returned and not sent to recipient. I have since disputed this transaction with Paypal Credit, however, they keep requesting proof of prior payment, which was already provided to rep who took dispute information over the phone. I called in again on or around the XX/XX/XXXX or possibly week before with the same information, also provided above. Ive also sent this via secure message on Paypal.com. Please note, the payment ( s ) were for services rendered from an XXXX XXXX, she was or is using XXXX XXXX 's Paypal account to receive payments for herself.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are inaccurate and are injurious to my credit rating. 
The following inquires were never authorized : EQUIFAX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX SERVICE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX This is inaccurate reporting and damaging my credit report. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting.

under 15 U.S.C 1681 section 602 A.

according to this section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section XXXX : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
None of those agencies mentioned within this complaint never had any instructions from me nor Equifax or XXXX. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized None of those agencies mentioned within this complaint nor Equifax or XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported by agencies mentioned within this complaint and Equifax and XXXX. 


I NEED THESE INQURIES REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

15 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 an account without my written instructions.
Product: Debt collection

DEBT RECOVERY SOLUTIONS LLC at XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX, has been sending me collection notices in the amount of {$330.00} {$420.00} and {$1300.00}. The collection has been reported as past due balance. I do not know this company I have never done business with this company. This company does not have a contract with my signature.
Product: Credit card or prepaid card

Some one retrieved my information and opened a Zales credit card in my name before I turned XXXX I reached out to Zales and was told I'm responsible for this debt I'm a senior in high school with no job. I don't know how this was possible being that I'm a minor. I'll be starting my life once I graduate high school with credit impact due to identity theft Zales account is over 3000.00 opened in XX/XX/XXXX/XX/XX/XXXX
Product: Checking or savings account

Bank accounts were opened in person at Truist with a driver 's license, XXXX documentation, articles of incorporation and an XXXX We have multiple other business accounts with Truist. 

Truist sent a letter informing us of " fraudulent '' activity and were investigation. Despite multiple attempts to rectify the situation, Truist unilaterally closed the accounts, held the funds for multiple weeks and closed the accounts. Funds have not been received as of this complaint. 

Truist is unilaterally using their sole discretion to close any account for any reason as a lame attempt to provide proper disclosure statements to customers thereby economically damaging small businesses.
Product: Credit reporting or other personal consumer reports

XXXX is a prior complaint attempting to delete an incorrect address from my credit report. I attempted to remove this because JPMCB Card was reporting it, and it is not my address, and I did not provide them with the address. JPMCB Card got it from my credit report, it seems, but it was on there inaccurately to begin with. 

I have tried to dispute the address with XXXX, but get the error they can not delete because it is being reported chase. I therefore sent the prior complaint, whwre chase says it can not remove information and that I had to contaxt XXXX. XXXX responded and said they reached out to JPMBC and the erroneous address is being deleted. 

Today, I reviewed the account and the address is still there. I tried AGAIN to remove it and it said it could not be removed because JPMCB Card was reporting this as an address. 

I am getting fed up with this nonsense. It is a violation of the FCRA to report false information. Remove the inaccurate info immediately. If JPMCB can not update or delete reported address info theunare furnishing to XXXX, then someone needs to notify XXXX. It is pretty shocking to me that Chase would provide misleading information to a consumer in a CFPB response regarding what their role is as a furnisher of information.
Product: Debt collection

I applied for a recent card in the month of XXXX. I was denied which lead me to have the creditor that denied me credit to ask for credit report to be sent out. I see that they're are XXXX collections. XXXX collection for I did owe, but was paid to XXXX years ago. I never had to XXXX other. The only XXXX I ever had was with XXXX XXXX. These are the only negtive marks on my XXXX XXXX. I pay all my bills and these negative marks are hendering my " good record ''. Please, look further into this matter to assit me in resolving this matter. 

Thanks In Advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to request that the XXXX XXXXXXXX account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation
Product: Payday loan, title loan, or personal loan

In late 2013 I was late paying off a loan to Cashcall. I talked to someone who said if I sent {$100.00} now + the remainder of the money I owed in a couple of weeks ( I believe ) that my debt would be paid. I did that, I sent {$100.00} and the remainder of the debt. I went on with life assuming it was done, and I get contacted again and they want another {$2500.00} + in interest accumulated on the {$100.00} I failed to pay. I did pay that, I paid what I was asked to pay. Now they want me to pay this ridiculous amount in fees and I refuse. They have filed a negative credit report on me, and now it's ruining my credit through no fault of my own. I have all of the email correspondence between me and Cashcall in this matter. I am just having an issue accessing them to post here, but I have them and can and will be able to send them all later
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

CareCredit charge XXXX from my account which was the same amount loan after I filed a complaint they send me XXXX and my bank took XXXX in addition my dentist refun XXXX to Carecredit after that XXXX  XXXX XXXX remove the credit and told me they never got a refund from Carecredit call Carecredit and they said they never got a payment from XXXX  XXXX XXXX strange since this was the money they refund plus its on the statement
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item has reappeared on my credit I previously disputed a collection item which was listed as a debt to a hospital the debt was deleted and has now reappeared with a different collection agency I have no contract or agreement with this collection company and do not own them anything I have never been contacted by them via phone or mail and have no knowledge as to who they are the item reappeared on my credit file with no communication or notice to me The company is XXXX XXXX XXXX and the debt amount is showing XXXX
Product: Money transfer, virtual currency, or money service

I would like to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the CFPB lawsuit highlighting ongoing issues with the platform. Over the years, I have used Zelle to conduct transactions and have reported discrepancies to my financial institution related to lost funds, fraud, and services I did not receive. Despite these reports, Zelle failed to protect me or issue refunds for the funds I lost.

Zelles lack of adequate protection and failure to resolve these issues is deeply concerning. The CFPBs investigation has revealed that Zelles actions ( or lack thereof ) have left many customers, including myself, vulnerable to scams and fraud. By not returning funds or safeguarding users against fraudulent activity, Zelle has put its customers at significant risk of financial loss.

Zelles failure to provide sufficient support, accountability, and protection, as outlined in the CFPBs lawsuit, is unfair and unacceptable. The company has not fulfilled its responsibility to protect its users, and this has resulted in unnecessary harm to consumers.
Product: Student loan

During the spring of XX/XX/XXXXI developed medical issues that were later diagnosed as a rare form of XXXX XXXX XXXX. As such, my medical expenses for the diagnosis and treatment of the disease exceeded my available resources to pay for both healthcare and my student loans. I fell behind on payments and ultimately into a default status on the loans. When I had recovered sufficiently, medically and financially, I refinanced my house to pay off the student loans. Payment in full for {$77000.00} was sent to Fedloan Servicing in XX/XX/XXXX and received by them on XX/XX/XXXX at XXXX XXXX ( USPS tracking # XXXX ). Fedloan servicing also transferred my account to the department of education default group on XX/XX/XXXX. Subsequent phone calls to Fedloan servicing were not fruitful in that they stated they had not received any payments on my account. A conference call was setup, XX/XX/XXXX, with a representative from my bank to provide information about the check that was issued and when it had cleared my account. During the call the representative from Fedloan servicing initially denied receiving the funds but later agreed they had received the payment and it was being held in suspense. She stated the funds would be transferred to the Dept of Ed on XX/XX/XXXX to clear my account. In XX/XX/XXXX I again contacted Fedloan servicing and was told the funds had not been transferred. XXXX, a supervisor with Fedloan servicing stated she could see the funds in their suspense system and that the account was marked as " do not forward or apply ''. She was unsure of why it was annotated in that manner but said they would send payment back to my bank. I asked for confirmation to be sent to me when this happened and she stated she would request that. Subsequent phone conversations have not resulted in the funds being released or any indication of when or if they would release the {$77000.00} that they agree they have no right to keep. It has been over 90 days since they received the funds and my account remains in a default status and is being erroneously reported as such on my credit. Recordings of the conversations with Fedloan servicing are available upon request. Their lack of releasing the funds in a timely manner is resulting in an additional cost to me of over {$7000.00} above my agreement with the department of education to clear the debt.