23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I found a booking for XXXX XXXX XXXX XXXX XXXX XXXX on Amex Travel and the hotel 's website ( XXXX XXXX XXXX  ). I reached out to Amex via their chat functionality to inquire about their Lowest Rate Guarantee policy. The hotel 's site had " the same room, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees '' than Amex Travel. According to the Lowest Hotel Rate Guarantee Terms and Conditions, If you book a qualifying hotel rate on amextravel.com and then find the same room, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we'll refund you the difference. Although I have fulfilled all of these requirements for the guarantee, the request for my claim has been denied.

- Qualifying hotel rate on amextravel.com : Lowest Rate Guarantee tag was listed on for the hotel and confirmed by the agent on XX/XX/XXXX - The same room : XXXX, 1 Bedroom, Pool View with ( 1 King Bed and 1 Double Sofa Bed ), confirmed via screenshots- Same dates : XX/XX/XXXX XX/XX/XXXX, confirmed via screenshots- Same number of children and adults : confirmed via screenshots that the booking is for two adults - At a lower price online, before taxes and fees : Hotel booking price : {$3300.00} before taxes and fees, $ XXXXtotal ; Amex Travel

booking price : {$5500.00} The reasoning given for denying this request are 1. The rooms are not the same. 2. The cancellation policies for the bookings are not the same. 
XXXX XXXX XXXX XXXX lists a maximum occupancy of four people.

As you can see from the screenshots, the rooms are in fact exactly the same. Once, I provided the relevant screenshots and video proving this, the representatives moved on to reasons 2 and 3, despite neither being listed in the policys terms and conditions.

I dont believe they can deny this request due to additional requirements that are not included in their terms and conditions under consumer protection laws,
as the T & C that are in place at the time of purchase are binding. This is especially frustrating due to the fact that the representative I chatted with prior to booking the room confirmed the T & C listed and that I was elegible for the guarantee. Despite how many times I have raised this, my direct concerns have not been addressed, and I have been dismissed, accused of trying to take advantage of the guarantee, and given the run around between teams. I appreciate your help with this matter.
Product: Vehicle loan or lease

I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1666b - Timing of payments | U.S. Code XXXX US Law | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  : XXXX
Product: Debt collection

this deb company wants to charge me for a service iam no using for, iam no bringing my pet there anymore and i dont have any amount pending to pay, all my payments whats made and discharge, and i cancell this wellness program few months ago, and now they said there i have a contract with them when i never hear or see this before, please i need help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the conduct of Experian, one of the major credit reporting agencies in the United States. 

On XX/XX/2023, I received notice from Experian indicating that my credit report contained inaccurate information due to a wrong address. The letter stated that an employee of Experian had incorrectly listed an address that I have never lived at on my credit report. This error has had a negative impact on my credit score and has caused me significant stress and inconvenience. Please also consider that this information has previously been disputed with a credit repair service on my behalf and with no resolve. 

Despite my attempts to contact Experian to correct this error, I have been unable to reach a resolution. The customer service representatives I have spoken to have been unhelpful and unresponsive, and I have not received any follow-up communication regarding the status of my dispute. 

I believe that Experians conduct in this matter is a violation of the Fair Credit Reporting Act and has caused me significant harm. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Experian corrects the error on my credit report and implements procedures to prevent similar errors from occurring in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted case bank in regards to my credit card, I was tied up in union dispute over my employment at the united states postal service. I was a federal employee which means I was entitled to no unemployment benefits. My income went for XXXX to XXXX  While attending to this matter. I was supposed to have been covered for this type of event but when I asked them about how much of my debt would be covered/how long ( this could take months has been know to take up to 1 year ) no one could give me an answer as to how to even file the claim! I continued to be harassed multiple times per day even on the weekends while at a very low point in my life until they sent me to collections. My credit is ruined and I paid money to protect myself against things of this nature. I am starting to feel as if they are ruining a big scam. Charging people a fee every month for insurance they don't actually have. 
I got the exact same I don't know response from XXXX XXXXXXXX. I chose these cards because I knew I had a high risk job. We are unionized and have superior officers that will sometimes ask their supervisors to break contract for the best interest of the service and though necessary, that can sometimes result in grievances that can lead to supervisor " reduction in force '' then when we have no where within a 50 miles radius to go, we lose our job. I just thought at least responsible financial planning could have kept me afloat but I got scammed. 
.
Product: Checking or savings account

I tried to open an account with Capital One bank. They said they could not open the account because of information they received from XXXX XXXX XXXX XXXX. I requested and received a copy of my consumer file and there is no information that is negative. I am attaching this file. There is nothing on this file that would prevent Capital one from opening an account for me. I am XXXX years old and on a fixed income. I wanted a regular checking account. Its a shame how disgraceful Capital One treats poor senior citizens, There is absolutely nothing in this report that would prevent Capital One from opening my account. If I was rich they would have opened it. I wonder if their mothers know how shameful they treat poor senior citizens. I want to know why Capital One declined to open my account based on information they allege is in this report. The only thing in the report is 2 different E-mails. I am sure I am not the only American to use 2 different E-mails. Not that's its any of Capital ones business but one of those E-mail accounts I share with my son. I have a hard time seeing on the computer and he helps me with that. He has respect for senior citizens unlike Capital One. I can not include an account number because the account was never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage is stating that I missed a payment for XXXX for my mortgage. I did pay that payment for XXXX on XX/XX/2022 in the amount of {$2400.00}. They sent me a confirmation of payment and I did not receive any information that the payment was rejected and was not contacted to make the payment again so I thought everything was good and my payment was fully complete. During the XXXX month, I contracted XXXX and did not have a chance to check the app at the time. When I was feeling better, I went and checked and it said that I missed a payment. Not sure how that was possible, so I contacted them and they told me I missed the payment even though I had the confirmation in their own app which stated that I paid. During the call, the Carrington representative removed the late penalty and I made the account current by paying 2 months of mortgage payments. The late payment on my credit report should be removed because it is incorrect and I was not made aware of the rejection of payment at the time Carrington Mortgage is reporting.
Product: Student loan

Discover student loans services my private student loan from XXXX XXXX XXXX XXXX. I made a payment on XX/XX/XXXX and it cleared my bank on XX/XX/XXXX. But I continued to get late notices including XXXX phone calls and XXXX letters overall stating I could have the late notice reported to a credit history company. After a phone call and further e-mails the payment was finally applied on XX/XX/XXXX. To avoid further issues I applied over the phone for auto debit payments for this loan. I got a letter stating my auto debit application was being processed. XXXX weeks later I e-mailed Discover Student Loans to confirm the status of my auto debit payment but was told the did not have any of the information needed for the auto debit process ( banking account number ). This program offers a 0.25 % interest rate reduction which I will be missing out on for at least another XXXX months due to this delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXX Also Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that I do not know about
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting late payment experiences furnished to my consumer report. These experiences must be removed. ( see attached )
Product: Credit card or prepaid card

I was sent what looks like a VISA Debit Card from Cash App, which I did not apply for. I have never used Cash App. The included card is potentially very convincing, with my name, an account number, CVV, and expiration date. The insert the card was attached to contains no information that would always be included with a new account, such as interest rates, terms of service, etc. The return address on the envelope is a XXXX XXXX XXXX XXXX XXXX, which is not the address listed on Cash App 's website. A check with the credit bureau shows now such account opened in my name. My name is also spelled slightly wrong on the card. I suspect a phishing scam would begin if I scanned the included QR code or called XXXX, the phone number printed on the card. 

To be clear, I don't believe Cash App is itself involved if this is a scam. If it turns out they are behind this, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Bank of America is slandering me on the internet and continued to use and alter my credit file after my relationships with then ended. Bank of America is slandering me on a paid account on the internet, in addition reported me as age XXXX and XXXX along with reporting me under my deceased grandmother 's address. These are grounds of defamation of character. Photos include as attached. My legal date of birth is XX/XX/year>, I am age XXXX, the address listed was an address I resided at with my grandmother age XXXX and prior. Bank of America also altered my credit questionairre. I am also not deceased.
Product: Credit reporting or other personal consumer reports

A creditor may 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 procedures designed to ensure that each periodic statement including the 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 have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet student loan servicing has been reporting to my credit report even though I never selected them as my student loan servicer. I did make an inquiry however I selected XXXX as my loan servicer. Just because I made an inquiry about their practices did not mean I selected them and they had no right to report anything to my credit report. 

I contacted them and explained that I made an inquiry that led to this mistake/assumption that I may select them, however, I did not. I ended up selecting XXXX. 

I made several calls to Nelnet and finally worked with XXXX who spoke with her supervisor and they agreed to remove all reporting, ( including the " closed '' accounts reporting ) from my credit report because that is actually untrue. I never had an account with Nelnet to close. The reporting was removed but then two months later all the so called " closed accounts '' are appearing again on all my credit reports, even though Nelnet agreed to remove the false/inaccurate reporting. 

Here is the contact information for : XXXX, XXXX Representative XXXX direct line XXXX customer service line
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX Balance : {$93.00} ; 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 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, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX aka XXXX  account # XXXX XXXX XXXX XXXX  XXXX acct # XXXX XXXX XXXX  account # xxx xxxx xxxx 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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: Debt collection

On XX/XX/2024, I received an email from Identity Guard notifying me that a SOUTHWEST CREDIT SYSTEMS account had been added to my XXXX credit report. I received two more notifications regarding the same account being added to my XXXX and XXXX credit reports. However, I have an XXXX prepaid internet account, and it's not possible to owe money on a prepaid account. I pay {$15.00} for seven days or {$45.00} for 30 days of internet service each time I need it. 

I filed a dispute with each credit bureau immediately, and after 30 days of investigation, XXXX and XXXX removed the collection from my report. However, XXXX hasn't yet removed the collection from my report despite my repeated attempts. I have a long history of making on-time payments and have never been delinquent, and I can provide my credit reports to prove it. 

Could you please assist me with this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX2021 I filled out an application with a XXXX XXXX  XXXX. They checked my Credit and reported back to me what scores they received from the Advantage Credit bureau. They gave him outdated and inaccurate information regarding my credit score. I called Advantage Credit Bureau and asked the girl who answered the phone. Her name was XXXX, Where they got the credit scores they're reporting, she told me the credit bureau. I called the Mortgage agent back and asked if his Mortgage company used Credit scores or FICO scores in making their decisions on applications for a Mortgage. He informed me they used FICO only. I called back Advantage Credit and was told I needed to talk with someone in another department. I tried to explain why I was calling and that there was some confusion in their score. She refused to talk to me and told me to have my agent call her directly. I talked with him and he said, they said their score was correct. The score they posted for XXXX  was XXXX. Here 's the problem. On the XXXX of XXXX 2021. I received an email from XXXXXXXX of which I am a subscriber. The email was congratulatory for raising my FICO score to XXXX. I am enclosing a snapshot of that dated email.
Product: Credit reporting or other personal consumer reports

rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I WAS IN A CAR ACCIDENT ON  X/XX/2016    IN WHICH ANOTHER PARTY WAS AT FAULT FOR, I HAD TO HAVE SEVERAL  XXXX  AS A RESULT ALL OF MY MEDICAL PROVIDER WERE FULLY AWARE THAT  A 3RD P ARTY WAS RESPONSIBLE AND WAS PROVIDED WITH THE CLAIM NUMBER FOR BILLING AND A COPY OF THE POLICE REPORT FOR THE ACCIDENT. I AM BEING REPRESENTED BY   XXXX   XXXX   XXXX   IN  XXXX  NEBRASKA. I WAS CONTACTED BY   XXXX   XXXX   XXXX   TO DEMAND PAYMENT FOR FOR  XXXX  BILLS FOR   XXXX   FOR {$140.00} AND THE OTHER FOR {$120.00} EVEN THOUGH THEY HAD DOCUMENTATION FROM MY ATTORNEYS OFFICE THAT THIS WAS A  3RD  PARTY BILLING THEY KEPT THREATENING TO TURN THE  XXXX  BILLS OVER TO COLLECTIONS SO I PAID BOTH BILLS IN FULL. A FEW WEEKS LATER I GOT AN ALERT FROM CREDIT MONITORING THAT A COLLECTION HAD BEEN ADDED TO MY CREDIT FILE BY A COLLECTION AGENCY CALLE D TRANSWORLD SY STEMS WHICH I PROPMTLY CONTACTED TO GET THEIR FAX NUMBER TO SEND THEM PROOF OF PAYMENT THE LADY I SPOKE TO REFUSED TO HEAR ME AT ALL AND BEGAN YELLING AT ME FOR PAYMENT, I ALSO CONTACTED    XXXX   XXXX   XXXX    TO FIND OUT WHY THESE ACCOUNTS WERE PLACED WITH COLLECTIONS DESPITE BEING PAID IN FULL EVEN THOUGH I WAS NOT THE RESPONSIBLE PARTY. AT FIRST I WAS TOLD THAT MY PAYMENT COULD NOT BE FOUND AND AFTER FAXING PROOF OF PAYMENT I WAS TOLD THAT THE SYSTEM HADNT UPDATED PAYMENT WHEN THE COLLECTION HAD GONE OUT. THIS CALLED MY  CREDIT SCORE T O DROP BY OVER  XXXX  POINTS. I DESPUTED THESE COLLECTIONS WITH  XXXX ,  XXXX  AND  XXXX  ONLY  XXXX  REMOVED THESE COLLECTIONS FULLY THEY ARE STILL LISTED ON MY   XXXX   AND   XXXX   REPORTS, I AM VERY DISAPPOINTED BY   XXXX   XXXX   XXXX   FOR DEMANDING PAYMENT FROM ME DESPITE HAVING PROOF THAT ANOTHER PARTY WAS RESPONSIBLE AND HAVING A CLAIM NUMBER FOR BILLING, I FELT BULLIED INTO PAYING AND INSULTED WHEN I STILL TURNED OVER FOR COLLECTIONS AFTER PAYING THEN TREATED VERY HOSTILE BY  TRANSWORLD SYSTEMS  AS I ATTEMPTED TO PROVIDE THEM PROOF OF PAYMENT AND THAT THE COLLECTION WAS IN ERROR THEY REFUSED TO ACCEPT ANY INFORAMTION FROM ME AND LASTLY I AM DISAPPOINTED THAT DESPITE PAGES OF DOCUMENTATION THAT THE COLLECTION WAS IN ERROR AND I PAID THE BILL DESPITE NOT BEING RESPONSIBLE FOR THE BILLS ONLY TO HAVE THESE NEGATIVE ITEMS ON MY CREDIT FILE STILL FROM  XXXX  AND  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts and inquiries on my report that I do not recognize XXXX XXXX  XXXX XXXX XXXX inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXl, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING COLLECTIONS XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THIS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.