23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I submitted a chargeback on my credit for a hotel stay that was completely misrepresented on the hotel website. They claimed to have a king bed and a sofa bed, however when we arrived we immediately noticed it was not a sofa bed instead it was at best a futon that did not even fit our XXXX and XXXX XXXX XXXX son on it. We tried to resolved it with the hotel - XXXX XXXX XXXX XXXX the first night and they were absolutely horrible to us. We offered to stay in a cheaper room with no money back to have XXXX actual beds to sleep in for our children, to get our money back and go to another hotel - nothing. The only way they would accommodate us was to exploit us for more money per night to add on the room next to us which was the double room ( smaller room we were offering to move to with no money back ) and they refused. We had even contacted XXXX corporate about the situation and were basically told to submit the dispute because the hotel was run by franchise owners. I immediately submitted a chargeback on my Citi Bank card when the charge posted. The dispute was mishandled the whole was through. The continuously asked me for the same information - I had to call in twice both times I was told not to worry that everything would be taken care of yet nothing ever was. The charge originated on XX/XX/XXXX and again, immediately submitted all pictures and communications about this interaction. The calls with Citi took place in XXXX and XXXX of them requesting the same information. Now XX/XX/XXXX and I'm just getting a notification that they determined I received the services I contracted for which is complete lie. They are just out of their timeframes and not properly doing their jobs and now want to add all this money back on to my account and report me past due. This is completely unacceptable. I did ever thing I needed to do and was taken advantage so many times by both the hotel and Citi Bank along the way. The amount is for {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX I have communicated with all 3 credit bureaus that these accounts are fraudulent. I have filed an FTC report and still remain unheard with no success. I have taken several necessary steps and even reached out to Furnishers themselves. I have disputed again on XX/XX/2021. Finally An FTC report was filed on XXXX XXXX. I have been told an investigation has been verified. However, when I continue to contact them with proof and request that these accounts be removed I am told that this will be looked into. This has put a halt on acquiring new credit and it is putting a major hinderance on my ability to support my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or 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: Checking or savings account

J.P. Morgan Chase Bank decided that I was a security risk and locked out all my accounts. No explanation was provided. I am a long-time Chase customer ( XXXX years ) and a " Chase Private Client, '' for whatever that is worth. 

No explanation was provided. No fraudulent transaction was flagged. Yet, two days before the beginning of the new month, on XX/XX/XXXX, Chase decided to lock me out of my own accounts. That same day, Chase informed me that they made the decision not to continue to do business with me. I asked for reconsideration and have received no response. I have asked to close my accounts and be provided with cashier 's checks for all of my accounts ( I have both personal and business accounts at Chase ), but was denied. 

While XXXX XXXX XXXX, of the Chase Global Security Team, advised me via email to go to a branch and close out my account to get my funds, the local branch in XXXX, New Jersey refused to do so. 

I have emailed multiple times, attached to this complaint. 

Chase 's restriction on my account has caused far-reaching damage to myself and my businesses. I can not receive rent from tenants, pay bills and other obligations, or transact business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX tradelines from XXXX XXXX XXXX XXXX Equifax in XX/XX/2022 and they verified items were accurate. I also filed a complaint with the CFPB in 2022 and Equifax claimed they were working on the issue and items were verified with no proof of the Method of Verification under the Freedom of Information Act as shown below. They deleted these items without my knowledge where I just recently found out these items were removed that initially caused me financial stress and there has been no letter to indicate the changes sent to me. The credit reporting agencies have a duty to the consumers to report accurate information therefore, they did not do this instead they claimed someone verified when in fact they were not. Please see original complaint with the CFPBXXXX They failed to provide the Method of Verification under the Freedom of Information Act see below when I initially requested the information & I am requesting compensation for their failed negligence. 

XXXXThe contact number and name of the person verifying this debt, XXXX. This persons position, XXXX. All the information pertaining to this debt, XXXX. All evidence that this debt exists, and XXXX. How you verified this debt I have attached the old report for review where these tradelines were there and now deleted without a letter sent showing this information.
Product: Mortgage

In XXXX 2017 Hurricane Irma hit Florida. This resulted in a federal disaster area being declared. We had uninsured losses on our property and saw in the media that people could get a forbearance on their mortgage. We decided to look in to this to help us cover our losses. We called Nationstar/Mr. Cooper and they put us on a forbearance program for our XXXX, XXXX and XXXX payment in 2017 and were told this would NOT adversely affect our credit. We were lied to and told the payments would be added on to the end of the mortgage. We found out subsequently this is was not true when we began receiving collection notices and foreclosure threats. They then told us we could apply for a modification. However, at the end of the 3 months we brought our account current. However, Nationstar/Mr. Cooper reported our loan as late payments for those 3 months to the major credit bureaus. It should also be noted that during this " forbearance '' we continued to make the escrow payments on our mortgage so as not let those cause an escrow shortage. Their own website says that " if you do not bring the account current at the end of the forbearance or enter a workout plan to bring the account current, you will be reported as delinquent. '' This implies that as long as you bring the account current, which we did there would be no adverse reports to the credit bureaus. I have tried disputing this with the lender and the credit bureaus and every time the lender says the info is accurate thus continuing to show late payments on our reports.
Product: Debt collection

On XX/XX/year>, I received an email from a debt collection agency known as XXXX. The email provided a registration code to create an online account through their website to pay a debt. I followed the instructions and created an online account. On XX/XX/year>, I paid the debt of {$190.00} in full and was provided XXXX XXXX XXXX XXXX  for the payment. The next day, the payment was deducted from my bank account. However, when I try logging into the debt collection website to make sure my payment is reflected in their system, it shows my login information has been disabled. It gives me an error message that says they are unable to service my account through their web portal. Also, they never sent me an email regarding the receipt of my payment. I only have the payment deducted from my bank account as proof. 

Furthermore, the debt from this collection agency is still reflected on my credit report even though it has been paid on full.
Product: Credit reporting or other personal consumer reports

I have sent a dispute to XXXX XXXX regarding the charge off being reported on my account and sold to XXXX XXXX XXXX which was not licensed to collect a debt in my state XXXX where I live. I received a letter from XXXX stating that they have placed the account with XXXX XXXX XXXX attorney for review. 

No, under the Fair Credit Reporting Act ( FCRA ), a bill or invoice alone is not sufficient proof that a debt or account belongs to you. The FCRA requires that information reported on your credit report be accurate and verifiable, but the burden of proof for a debt belonging to an individual lies with the creditor or debt collector. They must provide more substantial evidence, such as : Signed Contracts or Agreements Proof that you entered into the agreement for the credit or service in question. 

Account Statements or Transaction Records Documentation showing your use or acknowledgment of the account. 

Verification of the Debt If you dispute a debt, the creditor must verify the debt by providing detailed information showing the original amount, interest, fees, and evidence of your responsibility for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 different accounts on my credit that has been closed out for awhile now and it still shows on my credit I would like for them to be removed. The companys are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been in contact with all 3 companys and nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Accounts on my credit report DISPUTE XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$72.00} Balance Updated - Credit Limit - Past Due Amount {$72.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$59.00} Comments - ENHANCED RECOVERY CO XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX Balance {$71.00} Balance Updated - Credit Limit - Past Due Amount {$71.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX Sold-to - Original Amount {$71.00} Comments XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount {$2000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX Sold-to - Original Amount {$2000.00} Comments - XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX Balance {$920.00} Balance Updated - Credit Limit - Past Due Amount {$920.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantoXXXX 's internal collection department Status Updated XXXX Balance {$1600.00} Balance Updated - Credit Limit - Past Due Amount {$1600.00} High Balance {$1600.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX
Product: Credit card or prepaid card

I have 2 credit cards with Bank of America and I paid my balance in full on both. They sent me a bill for an additional interest charge telling me I have to pay off my balance 2 months in a row without additional charges to no longer receive a bill. Also, the entire finance charge is due vs. having a minimum payment. The agent told me that is because I paid my account off the rolling interest charge doesnt have a minimum due. So basically, I paid my account off and I no longer qualify for a minimum payment but because of purchases that roll over, I still qualify for an interest charge. Pretty sure this is some type of fee gouging. When you pay an account off, you dont expect to get another statement saying you still owe more. Not all credit card companies practice this because Ive paid off quite a few. My credit card balance was {$9800.00} and I paid {$9800.00} BEFORE my due date and I then got another statement for an additional {$160.00}, which is only interest. And that is due in FULL by my due date, no minimum. They could not tell me what balance that interest was determined from either. And again, not all credit cards practice this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters have been sent twice in the past the most recent letter was on XX/XX/XXXX, requesting that information be removed from my credit it was removed on XX/XX/XXXX and reinstated on XX/XX/XXXX, I never received a 5 day reinstatement letter as required by law. At this time I would like to request a final removal of this derogatory mark because before I file a law suit with small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have included in this complaint a photocopy of the account in question. NelNet  is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting.

DPT ED/XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Delete this account. 

10. Identity Theft DPT ED/XXXX Account Number : XXXX Delete this account. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEBT REC XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I received letter First Point Collections Resource XXXX XXXX, 2017. Attempting go collect a debt for XXXX. First I never received any correspondence from XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission court or competent jurisdiction, a debt collector may not communicate with a consumer in collection of any debt. I havent given either company the above written consent to contact me in collection of any alleged debt. Further more my name is XXXX XXXX the company has XXXX XXXX XXXX. I have no known relationship with these companies, First Point Collections or XXXX and I am un aware on how they may have obtained my information without my knowledge or consent. I have sent a letter disputing the validity of this alleged debt.
Product: Debt collection

My XXXX XXXX case was XXXX in XX/XX/2023 ; however I am now receiving calls from debt collection agency, FBCS at number ( XXXX ) XXXX on behalf of XXXX XXXX XXXX debts that were discharged in my bankruptcy.

Upon disputing the erroneous information with the credit bureaus I received a response indicating that the debt was valid becuase it was sold to another lender and presumably illegally during the bankruptcy proceedings ( see attached ). 

Please note that FBCS collection agency is making harassing calls to my phone multiple times a day everyday and refusing to send anything in writing solidifying their purported claim to the debt.

Please advise on what needs to happen to correct these violations of my protection under the bankruptcy laws.
Product: Student loan

I am having many issues with my student loan through Navient. First thing is University XXXX XXXX never offered me a federal loan. Instead they had me take out this private loan of over {$6000.00}. Now Navient some how has a federal loan which not sure where it came from but now they are saying it isn't under cares act so my interest is accruing even though they say its federal they are saying they are not under the umbrella for this loan. Even though the federal government is the one that supposably picked this loan servicer which I didn't have any say in this, which should not be my problem. Then Navient put my private loan payment on mt federal loan even though check says private loan. Then navient mislead me and said that I have to do income driven payment even though I don't need to. The federal loan servicer ( IDR ) has me certified if it is a federal loan.
Product: Prepaid card

Chime has a reloadable debit card from XXXX XXXX around XXXX I purchased the card and loaded XXXX dollars to it I end up going to XXXX XXXXXXXX XX/XX/year> and when I got out they/chime card company said they dont work with the reloadable card department and they didnt have any numbers for me, I went to numerous XXXX to find the exact card but couldnt find one the company also told me to go find that card in the store and call the number on the back. I would think they would have some record but they didnt and when I brought the card I only provided my social birthday and debit card information I was transferring from they say they have no records but I know for a fact I brought a reloadable chime card I dont have no card information or nothing I just got out of XXXX  and need my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I reached out to Convergent Outsourcing to validate a suspicious account on and they did have failed to provide the documentation requested in my original dispute. There response is unacceptable and I have requested them to cease and desist, stop all reporting and all attempts to collect this debt until validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023