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

I made a reservation at the XXXX XXXX XXXX XXXX in XXXX, TX for XX/XX/19 through XX/XX/19 for {$75.00} per night. When I was billed the charges were XXXX, XXXX, XXXX, XXXX, and XXXX per night plus tax. I immediately notified the front desk and the clerk said she would fix the charges. Later when I had not been credited I called and again. The front desk clerk again told me I would be charged {$75.00} per night plus sales tax. After the fourth phone call I was told that the computer automatically adjusts rates based on capacity. I advised that they could not adjust my rate without notice because I had a reservation. I advised Chase credit card company of the issue and they said I had to pay whatever was billed. I explained that I have stayed in hotels 1,000 's of times and I have never been billed more that the agreed amount. Further I explained that every time a person checks into a hotel they sign a piece of paper with the rate on it. Chase said they don't require signatures and I would have to pay whatever whoever charges to my card. I advised that this was a violation of the law and I would not pay the overcharged amount of {$110.00}. In addition, I advised that I wanted to close my account and be refunded the annual fee that was due in XXXX. Since I can not do business with a fraudulent company I want the account closed, an agreement that I will not pay the overcharged {$110.00}, and a refund for the annual fee. I will not be using the card due to Chase 's fraudulent actions. I will use XXXX XXXX as they do not hold the cardholder responsible for fraud.
Product: Credit reporting or other personal consumer reports

I reach out to all three credit agencies and report identity theft and fraud to them multiple times this year and before concerning XXXX XXXX XXXX and an address XXXX XXXX XXXX, XXXX XXXX I reach out to them a d said to me I quote I can't pull up the account cause we no longer have this account. The account was written off the books. I said to the lady this account is not mines she laughed. I reported this account to XXXX as I try to upload the documents they require it won't upload so I decided to turn to you cause it's not fair for me to have something that's not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX XX/XX/2020 This is the second time I have disputed these inaccurate unverified accounts on my credit report. I has been longer than 30 days, You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid a credit card payment to Kohls. Following up with it in the morning, it didnt go through until XX/XX/XXXX. Which caused it too be late. I did not realize I got a charged a late fee, until I recieved a letter two months after saying I have not paid {$22.00}. My credit score dropped significantly, for a minor payment error.
Product: Debt collection

In XXXX my son applied for a private student loan for {$15000.00}. I am the co-signer. Back then the original name of the lender was XXXX  XXXX XXXX XXXX XXXX then they were brought by Loan to Learn. The initial monthly payment was {$170.00} for the year XXXX through to XXXX all payments were made on time and we paid a total of {$21000.00}. In XX/XX/XXXX we missed one payment and Loan to Learn turned over the account to a XXXX XXXX, XXXX. I pleaded with Loan to Learn please don't garnished my salary or take me to court for just one late payment. XX/XX/XXXX my cries went unnoticed and I received an stipulation of settlement letter in the mail starting XXXX demanding me to accept their offer pay off the amount of {$22000.00} to pay {$270.00} per month until paid in full. For those two years ( XXXX and XXXX ) we paid another {$6400.00}. In XXXX, I called Mr. XXXX 's office and begged him to please reduce the amount to {$200.00} a month and he agreed. Since XXXX we been paying {$200.00} per month. As of today, we paid a total of {$39000.00}. Here comes the nightmare. On my credit report it states I'm XXXX delinquent and I owe {$15000.00} and I'm behind {$5000.00}. Since the incorrect information is on my report, and I'm currently unemployed, I'm unable to take out a home equity line of credit due to this information on my report. I spoke with Mr. XXXX regarding this and he told me he don't report payments made directly to him so where is this inaccurate information coming from? Please you are my last hope, I tried going to credit repair only to fined the information is always updated with this inaccuracy. I need someone to please take a look at my case and any help you can give me would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concern regarding Zells handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zell failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking those transactions are unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but have 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 or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Money transfer, virtual currency, or money service

I initiated a transfer between bank accounts ( XXXX XXXX XXXX & Citibank ) on XX/XX/2020. Transaction was cancelled same day. 

On XX/XX/2020, the amount was deducted from my XXXX XXXX XXXX account. Money was never transferred to my Citibank account and the transaction shows that it has been cancelled.
Product: Checking or savings account

On XX/XX/2023 USAA FSB sent me a message that they were sharing my info with XXXX XXXX and to check my profile. I couldn't't find anything on my profile about the sharing with XXXX  so I called USAA. After being put on hold, transferring me to a few people, disconnecting me, I called back and was not able to get any answers. I asked to speak to a supervisor but none was available
Product: Debt collection

I contacted Tsarouchis law group told them I was involve in a XXXX  XXXX during that time ask for proof of debt they sent information which was a internet loan that I did not take out I was under bankruptcy at the time tried to Gve case number to XXXX XXXX told me that they will sue me never Gve me the XXXX XXXX was very rude talk over me I donot want any more communication and I dont want to be sued or even worse be put on my credit report these peopl tactics are no good
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX. 2021 at XXXX i proceeded to transfer my currency ( XXXX  ) XXXX from Binance to Binance.US exchange in the sum of XXXX. 
the token left my wallet but never got transferred to the exchange Binance.US.
Product: Debt collection

I would like to file a complaint against XXXX XXXX XXXX in Colorado for a medical collections debt first reported XX/XX/2016 and by extension BC SERVICES as the collection agency - my goal being to dispute the bill and get it removed from my XXXX  credit report ( the only one it even shows up on ). I did not learn of this debt until fairly recently and I have never received communication or contact of any kind by the parties mentioned above before learning about the debt essentially by accident. I was not informed of the bill, am not convinced it is even accurate or related to me. Even if it was proven so, I was not given the proper resources to pay for it and avoid this whole predicament. I hereby state NO CONTRACT/CONTRACT CANCELED and file this formal complaint against XXXX XXXX XXXX ( who is the original creditor ) and by extension BC SERVICES ( who is the current creditor ) in the hopes the error is rectified and the bill is removed from my credit report so I can move on financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, XXXX XXXX, XXXX, Experian, or XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and XXXX  due to the abusive and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unbelievable. Someone has been sneaking behind my back submitting applications for credit without my consent. This makes me very furious to know that someone has my personal information and Im putting a stop to it TODAY. The inquires listed BELOW ARE NOT MINE THEY ARE FRAUDULENT.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be aware that it is unlawful to threaten legal action without the intent to follow through. With that in mind, understand that I am fully committed to filing a lawsuit against your company. I have repeatedly requested that you investigate and remove the inaccurate information being reported on my credit profile, yet you have failed to take appropriate action. 
My understanding of the law is that you are required to investigate any incorrect information when requested, yet you have ignored all of my prior communications. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides consumers with the right to take legal action and outlines penalties for non-compliance by both credit reporting agencies and information furnishers. 

This serves as my final request for you to fulfill your obligations under the FCRA. If you do not promptly and properly investigate the accounts in question, I will have no choice but to file a lawsuit in my local jurisdiction, requiring you to appear here to defend your actions. 
I take my credit very seriously, and your lack of professionalism and support is unacceptable. I am fully aware of my rights under the FCRA and intend to pursue them to the fullest extent. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

On I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Vehicle loan or lease

Voluntarily repossession car was sold the company however still charging me the balance of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax currently reports inaccuarte inquiry : XXXX XXXX XXXX south east on XX/XX/2020 without my permission. This is illegal and a violation of federal law. 

Inquiry : XXXX XXXX  XXXX XXXX XXXX ; did not award any credit or loan, inquiry as no permissable cause. 

This reporting violates FCRA rules sec. 1681
Product: Credit reporting or other personal consumer reports

I have contacted several time XXXX XXXX and XXXX XXXX XXXX  to remove bank accounts from my credit report that they had agreed previously to delete after I paid the owed amount, it has been several months or almost 2 years since I paid those and they are still reporting then to all credit bureaus as charge off - paid but has not removed as they verbally agree to get then remove. 

I have also submitted several letters to the credit bureau asking them to remove the information from my record and they always reply back stating that it was not me who submitted the letter even though I have provided my personal documentation.
Product: Mortgage

we signed up for a covid relief for 6 months withXX/XX/XXXX near the end of agreement XXXX sold our mortgage to another bank, XXXX had agreed to put the missing payments at the end of our loan and no late fees or any discrepancies at all the new lender that XXXX sold us too Carrington Mortgage is not honoring the agreement made with XXXX and wants all 6 payments now!
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am a XXXX XXXX, on Social Security & XXXX.My mortgage rate is a high 6 1/2, because mortgage lenders consider me a high risk because I was out of work for more than a year, and I ca n't get it refinanced.I obtained the mortgage in XX/XX/XXXX. My mortgage has been transferred several times to different service companies. The current holder of servicing is Select Portfolio Servicing , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ut XXXX, referred to as SPS. They advertised a modification proposal to lower my monthly payment, sent me a package to fill out & supply supportive documentation. I complied, even providing additional information about my medical history, a seasonal job I have ( I sent a Social Security statement review showing my physical capacity ), etc. The company SPS rejected my request by letter without itemizing what was 'incomplete'.A telephone call ( they said was recorded ) with representative XXXX XXXX on XX/XX/XXXX at XXXX CST produced a litany of things they need that include just a check mark on a IRS Form XXXX, a fancy financial statement for my part time mowing job, a more complete copy of all my bank statement that I gave them redacted pages, two months of my XXXX wife who is on Unemployment Compensation till XX/XX/XXXX and received a stipend from laid off company of {$36.00} per month she just cashes & gives me, but SPS wo n't accept that as proof, etc. THey want me to deposit the {$36.00} to my checking account this month and next, so as to see the proof of it, even though I sent them the entire payroll stipend form with tax withholding information, year to date {$4000.00} of XX/XX/XXXX. I feel discriminated against, that they do n't want to help. I gave them proof of Social Security, my season jobs income verification, my wife 's info, taxes, bank statements, property tax info, medical specifics from XXXX with diagnoses. XXXX. It 's not right what they are doing!
Product: Checking or savings account

I received an email saying XXXX claim went into my favor. But it was received after my account has been closed on the XXXX of XXXX. I emailed numerous times inquiring how Ill be receiving my check and no reply on my inquiry If I dont get my money sent out as in check Ill take it to ny court