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

I booked a hotel with XXXX in XXXX XXXX for my wife and I. It was a 3 nt stay from XX/XX/XXXX. It was a non refundable rate, however with Covid, all flights to XXXX were cancelled ; borders where closed. These circumstance made it necessary to cancel this booking on XX/XX/XXXX. The hotel stated there would be no refund as the booking was non refundable. I appealled and received an email on XX/XX/XXXX stating a refund was being processed in the amount of {$600.00} US . I have this email should you require a copy. After a few weeks I contacted Capital One to follow up on the refund. They stated I had to open a dispute which I did. Capital One credited my account however on XX/XX/XXXX they reversed the transaction. Since then I have tried to resolve this with Capital One directly. They sent me several pages of papers to complete, which I did and faxed back to them. After about a week I followed up with a phone call and they claim they never received the fax dispite my fax receipt showing they did. I then had to scan them and send them via my phone. I have called them numerious times only to be placed on hold for long periods of time. My last call to them was on the XXXX  when I was on hold for 35 minutes until I was disconnected. Their representative called me back and said I had to submit all this paper work again in order for them to review the case. Instead I am contacting you. 
I have impecable credit and these past due statements are not what I want to show on my credit report. 
This card was a business card in my name and my company, XXXX XXXX XXXX. I closed XXXX XXXX back in XXXX and contacted Capital One to close the account. They closed the account in question and just issued me another card as they changed from Visa to Mastercard. I don't have the entire account number for this new account but it ends in XXXX. The account number I listed below is the old account but they can still retreive the details with this infomration
Product: Debt collection

The law firm Aldridge Pite Haan , LLP has been assigned a debt for collection by XXXX XXXX which represents the merchant 's ongoing efforts to help the State of Florida to retaliate against me for calling attention to the federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, embodied by HUD through the absence of any provision for HUD rules to be adjudicated in Federal Court or for county judges to be required to recuse from any landlord-tenant disputes involving HUD rules within any municipalities wherein HUD Programs are not fully privatized, because of the automatic financial ties county judges have to any landlords participating in HUD Programs within those municipalities -- especially given that county judges are not actually qualified or even authorized to rule on Federal issues. Note in the attached Complaints that XXXX XXXX refused to even forward my XXXX XXXX dispute from last year to the merchant, subsequent to failing to uphold my dispute against the XXXX XXXX XXXX a few months prior, wherein I had detailed my efforts to address the aforementioned federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, instigated at the insistence of the authorities in the Southeastern portion of the country -- on behalf of Southern-based businesses, such as XXXX XXXX -- that Democracy must never amount to anything more than a subterfuge necessary to extend the influence of XXXX Oligarchy.
Product: Credit reporting or other personal consumer reports

XXXX Complaint was submitted recently through CFPB and closed - as Equifax report removing unauthorized inquires from my Consumer Report. When in fact they have not. 
The updated report I received XXXX XXXX advised hard inquires for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was removed from my my consumer report. I have attached two consumer reports from Equifax since the original complaint and these inquires have not been removed. Equifax continues to report Hard Inquires which are not mine. I have been disputing these inquires over a year. I am attaching the two reinvestigation reports dated XX/XX/year> & XX/XX/year>. I am also including photos of the credit report I received dated XX/XX/year> Confirmation # XXXX
Product: Money transfer, virtual currency, or money service

Transfer was made that was not authorized by me to an international account. Did not receive the refund
Product: Debt collection

I have attempted multiple times to dispute a fraudulent unsecured loan/account, in the reported amount of {$6500.00} ( please be advised that the reported amount may change or vary from creditor ). I am the victim of identity theft and did not make this charge from USAA Federal Savings. I have requested that the charge be corrected and removed from my file, and blocked in its entirety from being reported on my credit file, following consumer rights from The Fair Credit Reporting Act ( FCRA ) and in conjunction with providing a valid copy of my FTC Identity Theft Report and Police Report. In the month of XX/XX/2019, a debit/bank account was opened with USAA followed by an unsecured loan that was taken out using my information. I had no prior accounts with USAA. I was not made aware of this action until XX/XX/2019 when I reviewed my credit report. Immediately I contacted USAA, in order to dispute this action. USAA did not notify me of the account via email or telephone. There was no way for me to know about this account unless I reviewed my credit report. At the time of the loan being taken out, address information was not correct that was on file with USAA. I updated address information with the post office immediately after moving so any information should have been forwarded. Im unsure if USAA even mailed anything out pertaining to the account being opened. After the incident, I notified the major credit bureaus, in order to place fraud alerts and credit freezes on my report, as well as contacted the FTC to report the identity theft. Following this, I contacted the police department to file a police report of the incident. 
I provided USAA with a copy of the FTC Identity Theft Report and the Police Report supporting my position and asked them to Please investigate this matter and correct the fraudulent charge as soon as possible. I have sent our various documentation and statements regarding this fraudulent charge, as well as disputes made and requested a response from USAA in writing, but they have failed to contact me. It has been over a year and USAA continues to report the fraudulent account to the major credit agencies and refuses acknowledge the account as fraud, despite the multiple disputes from myself and the credit agencies, as well as the valid documentation provided. I have been contacted by three different collection agencies regarding paying this loan and each time I provide a copy of my police report. A detective working on my case has also reach out to USAA, who have been difficult in communicating with.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a different numerous of accounts that has violated my federally protected consumer rights to privacy and confidentiality information reported in my credit that has been affected me financially and emotionally by different creditors that i have not idea of also my personal information is not accurate and needs to be corrected asap.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish an account without my written instruction
Product: Student loan

I have requested student loan forgiveness, forbearance and economic hardship. Nothing has been done or submitted to remove, paused or delay charges.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally request the removal of fraudulent inquiries from my credit reports. I ask that the three credit bureaus conduct a removal procedure as mandated by law. Below is a list of the fraudulent inquiries that need to be addressed : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I paid off the total amount due on the loan through several payments that the Mariner Finance did not report on my credit report. The company has reported -- even after I disputed their reporting through XXXX and gave them a chance to correct their information -- I have bank statements that verify I made a {$650.00} payment to Mariner Finance on XX/XX/XXXX. Then I made a payment of {$110.00} on XX/XX/XXXX. A {$100.00} payment on XX/XX/XXXX, another payment of a {$100.00} on XX/XX/XXXX, a payment of {$130.00} made on XX/XX/XXXX for a total of at least {$1000.00} of the amount paid to Mariner Finance. None of these payments have been reported or deducted from the amount that Mariner Finance claims that I owe them. 

I could not get a statement to discover how much money was left on my account to paid even though I went into their office to ask for the final statement. I was informed that they no longer had my account information available. This lack of accountability of Mariner Finance has continued for at three years of continuous negative reporting on my credit reports and is a contributor of adverse credit ratings. I could understand if I had not reached out to them and made good faith efforts to pay on this account. Even to the extent of making a payment of almost {$700.00} all at once even though I am on VA XXXX and limited income. 

I have done everything I could to settle and then correct the reporting of this debt but Mariner Finance still insists after I filed disputes against their wrong reporting that I owed {$1100.00} when they wrote it off, without reporting or deducting the amount that I paid in XXXX of {$1000.00} ( of which when added to the payments I made in XXXX. 

On XX/XX/XXXX, I made an online payment of {$130.00} to Mariner Finance. XX/XX/XXXX, I made a payment of {$81.00}. This does not include payments I made in person at the office. Still, I can prove that I at least paid {$1300.00} to Mariner Finance and that Mariner Finance still chose to send my account into charge off even after I made substantial payments to them without being given a statement of itemized charges and how much was actually owed on the account. 

I hope that some relief and assistance to be provided to me to stop the adverse actions this company insists on continuing against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached please find my follow up complaint against Transunion with regard to obtaining my credit report & regaining access to it online. 

TU states theyve mailed my credit report on 2 separate ( maybe 3 occasions ) but I have NOT received a single copy or ANY communication from them via US Mail or email. 

Im going to assume since this company cant seem to get their act together their statement that they mailed it to my address on file means that they mailed it straight to the identity thief on XXXX XXXX and NOT to me in XXXX XXXX, IN. I have no other alternative than to assume since I CANT GET INTO MY CREDIT FILE ONLINE NOR CAN I SEEM TO GET MY REPORT BY MAIL. 

WTH- would I say I havent received it and spend all this time with complaints, etc if I had!?! I want to fix this issue but it would seem I cant until Transunion fixes theirs! 

I am so BEYOND irritated ... .Im like 3 seconds away from getting an attorney and then suing them for the costs of doing so. 

SEND MY XXXX CREDIT REPORT to the address that I provided to you via mail along with my 2 forms of identification OVER A MONTH AGO!
Product: Debt collection

Disputed charge on XX/XX/XXXX Been charged by them for an amount of XXXX XXXX since XXXX until present XX/XX/XXXX Called them and spoke to several representatives who have not followed up with this since Ive reached out I called them today to ask for information on this debt. 

It does not show on all three of my credit bureaus. Please help as I am young and being taken advantage of by the system. I dont have much money so XXXX XXXX is a lot I never received notice of this debt, just saw it one day in XXXX XXXX and started paying it before I disputed it. 

The only odd thing I see, is that when I called today XX/XX/XXXX, the lady gave me this address as Secured Resolutions mailing address XXXX XXXX XXXX XXXX ny XXXX.but in XXXXXXXX XXXX  it shows a different address. 

Could this be the reason they havent updated my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017 I attempted to access my Annual Credit Report through Experian. I was unable to access my report, and was given a message that says " A condition exists that prevents Experian from being able to accept your request at this time '' The following message congratulated me on accessing my Credit History and advised me to mark down in my Calendar for next year.
I am not sure what this " condition '' is that prevents the access to my credit report, but I find being told to wait again for one year for an error message unacceptable
Product: Student loan

My loan was transferred from XXXX to Fedloan in XXXX, a couple weeks before my XXXX due date. The amount of my XXXX bill was incorrect. I had been paying about XXXX a month on revised XXXX, but the loan said I owed XXXX under XXXX. I called Fedloan and told them the amount due was wrong. They agree but blame XXXX for convening the wrong information to them. They told me to submit a request for recertification of my IBR. I did so, but a week later, as the due date wa approaching, the amount was still the same. I called Fedloan again and this time was transferred to a supervisor. They said they would rush the recalculation of my loan payment then put in an override to change the XXXX amount even though the bill had already been issued. They told me to check again in 10 days if the amount had n't changed. Ten days passed and the loan is now past due, the amount has n't changed and I call again. I am asked if I want to forebear, which I do n't want to do because I am doing PSLF and a missed payment sets me back. I am transferred to a supervisor who tells me that there is a note in their system from the first supervisor, but that what she offered to do is not possible. I need to speak to a PSLF supervisor. I am transferred there. That person offers to override the XXXX amount, but says it will take a week or two. I expressed concerns about my credit rating or any penalty for being delinquent and he said there will be no negative effect as long as the issue is resolved before 90 days past due. 
I waited the week he says to wait. My account is now quite past due, which is nerve wracking to see every time I log on to check. I called again and was told to forebear again. I was transferred to a supervisor who said he can not help. I was transferred eventually to a PSLF supervisor ( which I asked for for originally ) and was told yet again that even though there is a note in the system about the issue, that the override request was never actually submitted by the supervisor I spoke with. I was also told that because the loan is more that 15 days past due they can no longer do an override without it taking months. Instead they can forebear my loan, which I refuse to do. Eventually they suggested forebearing just XXXX and doing an override on it, which takes 6 months. In the meantime I can make payments on the other months as they bill, and then when the new XXXX amount is processed I can pay it and it will count as a payment toward PSLF. I agree to this, but the amount due and my delinquent status remains the same. I am now 28 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, and XXXX have violated my rights. 

15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Called at XXXX from a local number, despite the company being headquartered in New York, and left a 3 minute long voicemail, after i had contacted them yesterday to notify that i was in dispute with XXXX XXXX XXXX and XXXX on the collection, and that it was in fact illegal. The company has also consistently called and harassed me.
Product: Debt collection

CBE GROUP XXXX has placed a claim on my credit report for Charter Communications XXXX This item has already been dismissed by another collection for being inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$45.00}
Product: Credit reporting or other personal consumer reports

I want these credit hard inquiries removed I dont authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I saw the advertisement from Citi for a limited checking offer to earn {$300.00} and applied for XXXX through the ad since I need a checking account. I followed the steps from " Earn a Cash Bonus in XXXX easy steps '' which step XXXX is to open a checking account by applying directly from this page and offers valid from XX/XX/24 to XX/XX/24. I applied and opened on XX/XX/24 and step XXXX is to do at least XXXX enhanced direct deposits directly into account within 90 days which i did on XX/XX/XXXX and XX/XX/XXXX. Step 3 is earn {$300.00} cash bonus which I did not receive. I chatted with the online rep which claimed that it is an easy fix, and all I had to do was call in and they will fix it by applying the promo code to my account. 
I called in and they claimed 1. Did not know about the promotion and when I proved it to them they 2. said to open a dispute and get back to me within 5 days. They did not get back with me and online rep said I need to call in. This is not an easy 3 steps.
Product: Checking or savings account

Hello, I opened a transaction dispute claim with Bank of America on XX/XX/2020 in the amount of {$1800.00} for merchandise I never recieved. I submitted the fraud department with all appropriate paperwork signifying and proving the exist of my claim, XX/XX/2020 I was informed by Bank of America of the documentation they received back from the merchant regarding the dispute. I informed Bank of America fraud department that the information they received from the merchant was false information and contradictory of additional documentation I had, at that point Bank of America asked me to send them the additional documentation which I did on XX/XX/2020. I followed up with Bank of America to make sure they received the additional paperwork I sent regarding the claim I spoke with a representative and she did confirm they received it and the claim was continue to be open and they will look into it. I did not hear anything from Bank of America regarding this claim for almost 3 months so I decided to give them a call and follow up on the claim, this was on XX/XX/2020. At this time the representative let me know that it looked like they had no further information regarding my claim but now they were out of their initial time limit to investigate the claim and they would give me an answer within 48 hours, I then received an email notification that my claim was disputed because it had reached the time limit. I called Bank of America fraud department to get further information regarding this, and they let me know that there is now nothing they can do because they have reached the 40 day time limit from the time the claim was open and they have no rights to pursue the claim anymore or provide me any kind of financial compensation. I was never communicated throughout the process of any kind of time restraints that we were working through, I kept close contact with Bank of America throughout this process and was never told when I sent the second documentation paperwork that there would not even be enough time to do a thorough investigation, Bank of America did not do a thorough investigation they did not take into consideration all of the documentation that I sent them which clearly explains that I have absolutely zero merchandise from the merchant who charge me this amount, I was continually informed by Bank of America that they did receive my information that the claim was being looked into they advised me to send them additional documentation they never told me that when I sent them the additional documentation it was now out of their time restraints.
Product: Credit reporting or other personal consumer reports

Company said I sent wrong identification with FTC report which was a lie, also said I made the request in error which I did not, the company said I knew that I bought goods or services but title 15 1681 c-2 says you cant denied my request based on weather a consumer knew they bought good or services say the Significan of block section, also experian failed to properly investigate this fraudulent account by verifying with the only person with first hand knowledge of the transaction. I do not and can not verify this account it is fraudulent and needs to be removed. Also I was told because I didnt send more identification they asked the company to verify the account on my behalf which is against the law and violates my rights to privacy. I will save all communications and use it to in court to prove the identity fraud against me was committed by Experian, Equifax and Trans Union
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my credit file states that the account was closed at the consumer 's request which is inaccurate. It also states that a settlement was accepted and the account was charged off. These are XXXX different things. This account keeps reporting to my credit file from XX/XX/18. This information is all incorrect and needs to be removed from my file.