23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I booked a Hotel for trip to XXXX in XX/XX/2021. When I arrived the hotel informed me I had 2 reservations. Not aware I was double booked I fulfilled 1 reservation and filed a claim with my bank when I returned. Unfortunately my bank did not uphold the claim and I am out {$560.00} When I called XXXX they said it was booked through a partner website and they couldn't refund. So I stayed I full-filled 1 reservation for {$670.00} ( Conf # XXXX & PIN CODE : XXXX ) and was billed for it. But did stay in the other room for {$560.00} ( Conf # XXXX XXXX XXXX XXXX XXXX & PIN XXXX ). When I got home from the trip I saw the charge and filed a claim with Wells Fargo my Bank. Claim # XXXX was denied some 3 months later with no explanation. Because of the length of time between filing the claim and response has been 4 months they are saying to much time has passed. I have been waiting for them for crying out loud!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) - if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) - if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information.

( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

The 11 accounts named Dept of Ed/XXXX with acct # XXXX was removed from my XXXX report because of inaccurate information that was being reported on XX/XX/XXXX. I contacted XXXX & TransUnion multiple times to get this information updated but stated the accounts came back as verified. This specifically violates my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ). CFPB Complaint # XXXX for reference of deletion. 

XXXX shows : {$35000.00} XXXX shows : {$0.00} TransUnion shows : {$35000.00} XXXX was suppose to report this information to the other 2 bureaus Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) and by Law XXXX XXXX TransUnion violated my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) wish states all inaccurate information is to be deleted upon notification. 

On XX/XX/XXXX I notified TransUnion and XXXX through the CFPB both companies. 
XXXX Complaint ID : XXXX TransUnion Complaint ID : XXXX This can be tailored to XXXX Complaint ID : XXXX ON XX/XX/XXXX
Product: Debt or credit management

On XX/XX/2024 my car registration got suspended by the XXXX tolls and bridges there are affiliated with this collection agency I was told by the XXXX tools and bridges that I was approved for a payment arrangement the payment arrangement is a total of {$13000.00} the balance before that was XXXX I also have a XXXX XXXX but the company was doing is charging my XXXX XXXX and also charging a tow by mail with the violation I recently spoke to somebody in a collection department That was supposed to get back with me to try to work and unsuspend the registration and they have not I have not told me what's that amount that they want I do agree and paying the toes I don't agree with the violations XXXX in violations is very abusive I'm going through very difficult times I am behind XXXX months on my rent if I don't work I will lose my home and I will be homeless I can not drive my vehicle to my job I am asking if we can solve this solution they are very rude and they really don't want to help solve the solutions to anyone all I want to do is just make this payment arrangement like that they can unsuspend my registration I was told by the DMV the total I had to pay was {$4100.00} the collection department is claiming us XXXX they keep giving me the runarounds and do not help with the matter everyday that goes by I get more stress it puts a lot of pain in my XXXX that I can not take care of my family cuz I can't go to work cuz I don't have a car please help with this matter Transworld Systems, Inc
Product: Credit card

I would like to make the CFPB aware of unethical, possibly illegal interest-charging practices being carried on by US BANK credit cards. I am aware that US BANK has been sued for other illegal practices, and feel that someone with an expertise in consumer protection law relating to credit cards should look into US BANK 's interest-charging practices. 

Whereas all other credit card companies I 've ever used ( personal, business, etc : I 've had more than a dozen credit cards in the last 10 years ) charge interest on a balance only after the statement close, US BANK is charging interest on the entire balance for any sum not paid BEFORE the statement close date. In other words, it is quite possible to be charged a month 's interest on a purchase made 1 day before the close of the billing cycle. 

I am a US BANK XXXX XXXX credit card holder. I am happy to provide more information. I am not an expert in credit card consumer law, but have a XXXX XXXX XXXX from XXXX relating to Finance, own several companies, am fairly familiar with credit card practices, and believe that what US BANK is doing is unethical, if not illegal. 

Thank you for your consideration.
Product: Payday loan, title loan, personal loan, or advance loan

When I went online and read about this loan I didnt realize the large charges and interest what I did figure out is I only make XXXX and not much to survive the way I understood it was it was small payments and lower interest but its not I spoke to someone about this and said I cant afford this at this Afford this on XXXX only its out of my budget way out my roommate make good money and didnt qualify we tried due to them giving me this reediculous loan and not a person who works and makes an income this company prays on people who have nothing after speaking to XXXX about this and an attorney they stated payday loans were not legal in Arizona so XXXX are they offering this If XXXX going to be responsible siablie this company has to make it a reasonable payment that fits what I make monthly This should be illegal it should be fraudulent to act on someone who cant pay it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take proper precautions with my PII and carelessly exposed it along with millions of other peoples PII. Data should not have been able to be accessed via a web application, and it absolutely should have been encrypted. now they are making money on all of those who are effected having to pay them to freeze their credit accounts.
Product: Credit reporting or other personal consumer reports

The accounts listed on my credit report are incorrect and should not be there. This situation is not only unfair to me, but it is also troubling, as I have never been involved with or committed any of the actions you're accusing me of. If you do not investigate and address these errors, I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


15 U.S. C 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

Hi, I am a XXXX dependent that received a title loan from Title Max. I received about {$3200.00} and I 've already paid them XXXX payments of {$400.00} and after I calculated the total number of payments I would have to pay them over {$9000.00}. If you are a day late they start charging $ XXXX and your car is up for repossession plus you can no longer make payments over the phone. You have to go into the office which is XXXX minutes away from me. I am really considering giving them the car because I refuse to pay XXXX the amount for this car. Is there any loophole being that I am a military dependent?
Product: Credit card or prepaid card

I obtained prepaid reloadable American express card in XXXX. Card XXXX XXXX XXXX. In XX/XX/XXXX they approved unauthorized car rental charge of {$2900.00}, while rental was paid in advance, car was on their location and they also took a deposit on a rental. Besides, rental company never returned 2 large moving boxes with documents and over XXXX worth of items. 
When I called American express they couldn't explain why they allowed charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is deliberately obfuscating their security freeze instructions to direct customers towards their fee-based " XXXX '' monitoring system. They are doing this in direct response to the XXXX breach and appear to be intentionally exploiting customer fears to drive customers towards a revenue-generating product instead of assisting them in exercising their rights under law. 

Here is a permanently archived version of the TransUnion credit freeze web page as it previously appeared on XX/XX/XXXX, the same day as the XXXX breach announcement : XXXX XXXX XXXXhttps : //www.transunion.comXXXX Notice the specific direct instructions in plain language regarding what a security freeze is and how to add or remove a security freeze. 

Here is the TransUnion credit freeze web page as it appears since XX/XX/XXXX : https : //www.transunion.comXXXX Here is a permanently archived version of that webpage made on XX/XX/XXXX ( in case the above page is changed ) : XXXX XXXX XXXXhttps : //www.transunion.comXXXX Notice the specific clear instructions have been replaced by a marketing message carefully crafted to lead customers to sign up for their revenue-generating TrueIdentity product. Also notice that discussion of customer 's rights to a credit freeze is deferred to the end and written in very passive language ( " About credit freeze '' etc ). Also note that on their XX/XX/XXXX ( and current ) page they imply that some customers may not qualify for a credit freeze when they state that " a credit freeze may be available under your state law. '' This is in direct contradiction to their statement on their XX/XX/XXXX page they explicitly state *at least twice* that " TransUnion will allow any consumer in any state to add, lift or remove a security freeze. '' TransUnion appears to be intentionally misleading customers by using deceptive marketing tactics and intentionally vague language in order to manipulate customers into signing up for a product they do not need. The objective seems to clearly be to increase their profits by preying on customers in a time of crisis.
Product: Credit reporting or other personal consumer reports

hard inquires no autorizados en mi reporte de credito EQUIFAX, casi un ao levo con esto y no los eliminan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a late payment was place on my consumer credit file by XXXX XXXX. Prior to this time. My original payment ate was the XXXX of the month. I discussed with XXXX XXXX that due to an hardship was it possible to change the due date to a later date of the month of which they agreed. I was charged {$20.00} to make the payment adjustment in the date. To make payments due on the XXXX of the month. In addition, I agreed to pay {$570.00} instead of the original {$510.00} payment to have the payment registered as on time. Even though I agreed to make these payments and followed the directions, they continued to report these payments as late to the credit bureaus. I set up automatic deductions and increased the deductible amount to {$600.00} to avoid the late fees. But the arrears just grew from about {$300.00} to over {$3000.00}, even though the payment was taken out of my bank account by the creditor every month as per their " agreement '' with me. Additionally they continued to report the account as late to the credit bureaus. In the original agreement XXXX XXXX allowed a 15-day grace period for being late after the due date ; however, late fees and reporting occurred if you were only late 1 day late. It was unclear how or whether the extra money paid each month was applied to reduce the late payments. I requested an audit of the account to verify the account and never received it. The company and bureaus did not follow the law and posted un-validated information about the account with XXXX XXXX. They violated my consumers rights by the following : 15 USC 1692f ( 1 ) unfair or unconscionable means to collect or attempt to collect any debt, 15 USC 1692g 809 ( b ). Validation of debts - Disputed debts. The information reported by the credit bureau 's is inaccurate : The balance, the monthly payment, the payment history, and the payment status are all incorrect.
Product: Checking or savings account

On XXXX XX/XX/2021 I received a {$22000.00} XXXX loan deposit to my Capital one bank account, Capital ONe bank refused to give it to me, and they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, Nelnet, the provider of my federal student loan, reported my loans 90 days pasted due while my account was on an approved forbearance. My loans went into forbearance in XXXX of XXXX. Since each semester is a separate loan, about ten different loans hit my credit report as late payments and 90 days past due. These marks killed my credit score and haven't held me back over the past several years. However, I haven't been able to get a car, purchase a home for my family, or get a credit card. I have proof from Nelnet that my account was forbearance during the period when my credit report states I was late 90 days. Please let me get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX , Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a handwritten dispute to Transunion on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is XXXX /XXXX. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to XXXX on XXXX according to Transunions dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my XXXX credit report also. What I discovered is that XXXX/ XXXX did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX/XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow XXXX is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what Transunion, XXXX  and XXXX have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate information!
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCEEN REGARDING MY CREDIT REPORT, I NEED YOU TO INVESTIGATE THE FOLLWING ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1. I WAS NEVER LATE ON THIS ACCOUNT PER 15 U.S. Code 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable proced XXXX XXXX Account Number : XXXX Please remove alleged Late payment 2. I was never late on this account XXXX Account Number : XXXX I was never late on this account I demand you show me proof that I was every late with documents that supports these alleged late payments 3. I was never late on this account XXXX XXXX XXXX. 
Account Number : XXXX I demand these alleged late payments be removed from my credit report and account updated to paid as agreed 4. I was never late on this account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I demand these alleged late payments be removed from my credit report and account updated to paid as agreed I WAS NEVER LATE ON ANY ACCOUNTS LISTED AND NEED YOUR HELP BY PROVIDING ME WITH DETAILED DESCRIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION BEING REPORTED ON MY CREDIT REPORT. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. 
I was never late on ANY ACCOUNT LISTED. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided inparagraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. 
XXXX Image not found or type unknown XXXX Image not found or type unknown XXXX Image not found or type unknown ONCE YOU HAVE FINISHED YOUR PROPER INVESTIGATION, SEND ME AND UPDATED CREDIT REPORT TO THE ADDRESS STATED ABOVE
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX on XX/XX/year>, through the CFPB Complaint Portal. Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to investigate and respond to my dispute within 30 days. I have not received a response from XXXX as of today 's date, which is beyond the allowed response timeframe. If XXXX needed additional time to gather information, they could extend the response time to 45 days. However, I have not been notified of any such extension, and the deadline has passed. I am seeking CFPBs assistance to ensure that XXXX complies with FCRA requirements by providing me with a prompt response to my dispute. ''
Product: Credit card or prepaid card

I have a checking account with Wells Fargo from which I make payments to all of my credit cards. When I have made the recent payment from my account that has a balance of XXXX, the payment for {$140.00} ( XX/XX/20 ) was returned and as a result, I was charged an additional fee of {$29.00} + {$140.00}. When I called Wells Fargo they transferred me 2 times, each time I had to wait 45 minutes. No real solution was found. I have requested for the card to be closed and money to be refunded to me, the representative refused.
Product: Mortgage

I refinanced a loan with Caliber Home Loans. They were already servicing a loan of mine for approximately 18 months. I refinanced for a lower APR. After closing I received an email on XX/XX/2021 that my loan had been funded. On XX/XX/2021, I received a notice that my payment on my loan had been received. I assumed this was the auto-pay I had previously set up successfully paying the amount due on my new loan. I did not receive any other communication from Caliber Home Loans. 

On XX/XX/XXXX, I received a notice from my credit monitoring service that a derogatory mark had been made against my credit. Investigating this I found out that Caliber Loans had submitted a non-payment to the credit bureaus for a missed XXXX payment. I contacted Caliber and paid the amount due in full and re-submitted the autopay that was erased in the changing of loans. I have subsequently attempted to remedy the derogatory mark as it was merely a misunderstanding of auto pay not carrying over and poor communication on their behalf. If I had received an email notifying me that payment and not been made, or a call clearly stating that A payment had not been made, I would have been able to remedy the situation immediately. 

Previous to this derogatory mark I have maintained perfect credit and have never missed a payment. This has caused my credit score to drop over 100 points and is something I firmly believe was strictly a misunderstanding and not reflective of derogatory behavior in any way.

Im reaching out to you to see if theres anything you may be able to do to help remedy the situation. Thank you very much for your consideration and hope we are able to come up with a solution.

Kind regards XXXX XXXX