23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I placed a hotel reservation with Government Vacation Rewards for {$1000.00} on XXXX/XXXX/2015 with my Military Star credit card ( transaction reference # XXXX ). When I arrived at the hotel, I was told my reservation was cancelled. I had to purchase a reservation at a different hotel using a different credit card. I have been trying to get the charge credited back to my Military Star card from Government Vacation Rewards since XXXX XXXX, 2015. While fighting with GVR, I have only been able to recoup {$87.00}. I filed a dispute with the Military Star card XXXX XXXX, 2015. I received a letter approximately XXXX XXXX, 2015 stating they were taking the matter out of dispute, and I need to contact Government Vacation Rewards directly. This is completely unacceptable! 

Furthermore, I purchased an item from the AAFES website that never arrived. I was credited back the amount of the purchase, but not any interest. I was told by XXXX XXXX that he would credit the {$8.00} interest on XXXX/XXXX/2015. I have not been able to speak to this person since that time. I need that interest and all associated interest charges on the {$8.00} credited to me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st CFPB complaint filed XX/XX/XXXX # XXXX I complained that Experian did not properly validate a debt. Experian responded that they would look into it. They did and agreed to remove the items from report ( XXXX XXXX XXXX ) Experian said that they sent confirmation of removal in the mail XX/XX/XXXX 2nd CFPB complaint filed XX/XX/XXXX # XXXX Confirmation was never received and items still reporting on credit report. Experian claims that the items are NOT reporting on report. 

XX/XX/XXXX- called Experian and talked to XXXX ( in XXXX XXXX ) and XXXX of the United States . Neither would help resolve this issue. 

I have attached Experian 's response to remove item as well as their response that the item is n't listed. Also attached is proof that the items is still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last two weeks I have tries to resolved this issue on my own. There are several inquires on my credit report that I am unaware of. I called Transunion to inquire and to see if u can dispute them, Each rime a different representative told me that they can not help me. So I asked for the fax number, I was told at the time the fax number no longer is operable. the fax number I called is XXXX. 
the inquires are as follow : Creditor Name : - XXXX XXXX- XX/XX/ and XX/XX/ XXXX XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

XXXX payment, paid in full. Im only 18 days past due for XXXX payment. Please correct payment status for XXXX XXXX XXXXXXXX XXXX auto loan.
Product: Debt collection

Got an email that stated in the subject line Warrant for your Arrest. This is illegal to threat to scare me into paying.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed unauthorized inquiries on my report. I sent letters for proof and did not get a response. I'm trying to get my first house and need the unauthorized transactions removed.
Product: Money transfer, virtual currency, or money service

In XXXX I filed my taxes. I made a mistake on the account the refund was to be sent too. The transfer occurred on XX/XX/XXXX. The refund was sent to JPMorgan Chase under routing number XXXX. The account number the transfer was too was a 15 digit account number which did not exist. On XX/XX/XXXX I contacted my tax preparer and was told not to worry. The process would be that Chase would reject the transfer and return the money to the IRS. The IRS should return the funds to me via paper check and let me know if the error. Then COVID happened. Fast forward to XX/XX/XXXX and I still did not have a refund. I contacted chase ACH team at XXXX. They confirmed they received but could not confirm they returned. After 8 hours they recommended I open an account and they could help route the money. I am not willing to do. The key point. Chase confirmed they had the money. The account t was invalid and they would not return until the irS explicitly requested. I have submitted a case with the iRS and am waiting the 90 days for the review. But chase is actively keeping my cash from me and will not speak to me.
Product: Vehicle loan or lease

Hello, My name is XXXX XXXX. I have an auto loan with Audi Financial Services that I opened on XX/XX/XXXX. It's a 60 month loan, I've made XXXX payments so far, and the monthly payment is {$340.00}. The last four digits of the account is XXXX. 
The payments were setup to automatically debit my checking account at XXXX Bank every month on the 2nd day of the month. The checking account last 4 numbers was XXXX. 
On Monday XX/XX/XXXX we noticed there were some unauthorized debits to our checking account and we decided to close the account and open a new one. The new checking account ended in XXXX. 
On the same day I went onto the Audi Financial web site and cancelled the auto pay from checking acct. XXXX to avoid getting some sort of penalty for nonpayment since I knew my payment was due XX/XX/XXXX and I knew the account would be closed. I then set up a new auto pay with AudXXXX attached to my new checking account, XXXX. I was told the new auto pay would not be active for the XX/XX/XXXX payment but would kick in for the XX/XX/XXXX payment. So within the Audi website I made a one time payment from the XXXX checking for the XX/XX/XXXX payment. I have documentation attached proving all of this. 
On Monday XX/XX/XXXX a payment for {$340.00} was deducted from the old checking XXXX account, and also an additional payment of {$340.00} was deducted from the new checking XXXX account!!! The there was no money in the XXXX account so we were charged a NSF. We transferred money from our savings to the XXXX account to cover the payment. 
So apparently we made a payment for XX/XX/XXXX, and a payment for XX/XX/XXXX which was not supposed to happen. The Audi web site says my next payment is due XX/XX/XXXX. 
I'm upset because I performed my due diligence to avoid a problem and they did not do their due diligence. I didn't want to make 2 payments. 
So, thank you very much.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, Subject : Complaint Regarding Experians Non-Compliance with FCRA and Improper Dispute Handling Practices I am filing this complaint to report Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and address the persistent inaccuracies in my credit report despite multiple dispute attempts. 

1. Background of the Issue : I have sent multiple dispute letters to XXXX requesting investigation and correction of inaccuracies on my credit report. These disputes were made under the rights provided by the FCRA, specifically : 15 USC 1681e ( b ) : Failure to maintain accurate credit reporting practices.

15 USC 1681s-2 : Responsibility of furnishers of information to provide accurate data.

15 USC 1681i ( 5 ) : Obligation to investigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Requirements for the appropriate handling of outdated or prohibited information. 

Despite providing detailed documentation and supporting evidence, XXXX has failed to properly investigate the disputes, as required by law. In some instances, errors that were briefly removed were subsequently reinserted without proper notice. 

2. Reference to CFPBs Recent Lawsuit : I recently became aware of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against XXXX, alleging systemic failures in their dispute investigation process ( " CFPB Sues XXXX for Sham Investigations of Credit Report Errors, '' XX/XX/year> ). This lawsuit highlights practices that closely align with my experience, including : Improper handling of consumer disputes. 

Failure to conduct reasonable investigations into reported errors. 

Re-inserting previously corrected inaccuracies without notifying consumers. 

3. Impact on Me : XXXX actions have caused significant harm, including : Lowered credit scores, which affect my ability to secure credit, housing, and employment. 

Emotional distress and frustration from repeated attempts to resolve the issues. 

4. Requested Resolution : I request the CFPB to : Investigate Experians handling of my disputes and compliance with FCRA. 

Ensure that XXXX corrects all inaccuracies on my credit report permanently. 

Impose any necessary penalties or corrective actions to prevent future non-compliance. 

Attached to this complaint are copies of : My original dispute letters. 

Responses ( if any ) received from XXXX. 

Evidence of inaccuracies on my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure my rights as a consumer are protected. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX Oregon, XXXX Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Credit Report Agencies, I am writing to formally request the blocking and deletion of fraudulent accounts and information associated with my credit file pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act. I am a victim of identity theft resulting from the XXXX data breach, and I have identified unauthorized accounts that do not belong to me. Below are the fraudulent accounts and information I am disputing the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
In support of my request, I have included the following documentation : A copy of my identity theft report ( FTC Identity Theft Report ). A copy of my government-issued ID ( passport ). Proof of address ( utility bill ). 
As required under 15 USC 1681c-2 ( a ), you are obligated to block the information within four business days of receiving this request and supporting documentation. Please confirm in writing once the fraudulent accounts have been removed from my credit file. If you require any additional information to process this request, please contact me at XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX. 
Attachments : Copy of identity theft report ( FTC report ) Copy of Credit Report Copy of government-issued ID Proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

MARK A KIRKOSKY continues to abuse consumer rights by illegally accessing my consumer credit report. I have sent the company a cease and desist, i have reported their illicit acts to you the CFPB, who helps consumers with their rights. 

I am telling you specifically, that the law firm and associates known as MARK A KIRKOSKY. 

They continue to violate the FCRA, and my rights, and have already been sued in district court, and continue to access the consumer report with no permissible purpose. 

Is anyone from the CFPB going to do anything or do I have to List this bureau as neglligent of this fraud, negligence, and intentional infliction of emotional distress? 

I will send out W9, 3949As, 4506s, and get the true debt collectors involved, I am at my wits end with the situation, i am ready to litigate and seek retribution, unless you the CFPB cease his unlawful and illegal actions.
Product: Mortgage

I filed chapter XXXX, XXXX yrs ago and that house has been sold two times since however Wells Fargo keeps reporting that mortgage to my credit that has already been discharged. I have been trying to buy new home and even with proof i am not able to buy home bc Wells fargo will not remove.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that appear on my credit report, which I believe are inaccurate and have not been properly addressed despite my previous requests for removal. I kindly request that these accounts be removed from my credit file immediately. 

The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously submitted requests for deletion of these items, and I have provided evidence supporting my claims. However, these accounts have not been removed from my credit report. This ongoing issue has not been resolved, despite clear documentation proving that these entries are either inaccurate. 

As I have already provided sufficient proof and have followed the proper procedures, I request that these items be removed from my credit report without further delay. If this matter is not resolved promptly, I will be forced to escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for further action. 

Please review my credit file and conduct a full investigation as per the Fair Credit Reporting Act. If these accounts can not be validated or verified, I demand their immediate removal from my credit report. 

I expect a timely resolution and look forward to your response. Please notify me of the outcome of your investigation as soon as possible. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me and has been listed in error. This account was previously removed from my credit report. It appears it has been sold and relisted.
Product: Checking or savings account

On XX/XX/XXXX I sent a letter to the cash store relinquishing their rights for automatic payments. On XX/XX/XXXX they withdrew funds from my account causing my chase account to overdraft. Chase credited my account and said they filed a claim. Then 2 days later they took the payment out of my account again and assessed me 3 overdraft fees. When I called, a claim had never been filed and they asked that I fax in the documents and they would recredit my account. When I did that, I continue to call and they say they have n't received the documents and my account still has the charge on it. They refuse to credit my money back until the documents have been received. According to the eft act I have total rights to relinquish their right to auto withdraw funds, the notice was given over 3 days before verbally and through a written and signed document but chase still refuses to credit my account and is giving me a run around.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I recently viewed my consumer report which included inaccuracies. Employers and addresses were reporting to my consumer file that are unauthorized. I do not receive mail at these addresses nor have been employed by the companies.
Product: Credit card or prepaid card

I recently applied for a Chase Credit card account and I was approved. I have a great credit report. After a few days of having my account opened, Chase closed my credit card account without letting me know, not even a phone call telling me why they made that decision. I received a letter from the bank today and the reasons they are giving me why they closed my account is because " too many requests fro credit or reviews of credit ''. I just read about it and it looks like they don't like customers to apply for too many credit cards.
Product: Payday loan, title loan, or personal loan

I borrowed {$500.00} from this loan company now they don't took out three payments of {$180.00} my payment should have been over with I didn't pay back a {$540.00} already but be nice to my knowledge I still a little balance of XXXX XXXX payoff amount is {$470.00} call to speak to someone about it only thing they was telling me well you signed the contract that's all I got out of them but they forgot to tell me about the interest loan the interest part of the loan my payments going to interest only it's not going to the loan it's going only to entrance they charging you for interest that's all they doing
Product: Payday loan, title loan, or personal loan

Hello, In early XXXX I took out a loan with TitleMax while living in XXXX, XXXX and paid it off successfully. I was very happy with their services and even borrowed from them via a Visa/Debit card using my vehicle as a form of collateral. Again, I paid the debt off in full, received my title back and was very satisfied with my experience with TitleMax. That was in the state of XXXX 

Fast forward to early XXXX, while now residing in XXXX, XXXX, I once again found myself in dyer need of some extra funds. I thusly sought out TitleMax once again - to borrow against my vehicle. This time however, I WAS SCAMMED IN EVERY SENSE OF THE WORD!!! 

I phoned the nearest TitleMax store, which turned out to be located across the state line in XXXX XXXX, XXXX. When I went there with my spouse in tow, everything SEEMED to go fairly smoothly! I explained several times that I successfully borrowed from their company while living in XXXX AND that I WANTED THE SAME TYPE OF LOAN, because I needed TO BORROW AROUND THE SAME AMOUNT OF FUNDS, WITH THE SAME INTEREST RATE ETC.!!! We were assured that THIS WOULD BE POSSIBLE and that as long as my vehicle was in good condition and had no leins on it etc., etc., terms would be similar to my last loan. I think we had to make two trips back to TitleMax to complete all the paperwork and pick up the check! HOWEVER! LATER ON I WAS LEAD TO BELIEVE THAT I NEEDED TO SIGN AN ADDITIONAL FORM ONLINE! I DID THAT! WHAT I DID NOT REALIZE WAS THE TERMS WERE NOT THE SAME AS THE LOAN IN XXXX!!! EVEN THOUGH THE AGENT WHO WAS WORKING WITH ME ASSURED ME THEY WOULD BE!!! 

Long story short, TitleMax IN THE STATE OF XXXX, played me for a fool! They want me to pay over {$10000.00} in interest on an approximately {$3700.00} loan!!! 

Do I have any recourse this matter? I have already paid them almost double what the original loan amount was and more than the original sale price of the SUV! ENOUGH IS ENOUGH!!! 

Thank you.
Product: Student loan

I made payments to XXXX XXXX, mailed in XXXX, XXXX, XXXX, XXXX. Checks were cashed by XXXX  XXXX XXXX XXXX XXXX, on XX/XX/18, XX/XX/18, and XX/XX/18. XX/XX/2018, Navient sent a letter stating my load was purchased from XXXX XXXX. I called to ask why the three checks were not credited against my loan. They claimed not to have received funds, and suggested I call XXXX XXXX, who then claimed that the loan was transferred to Navient in XX/XX/2018. I went back to Navient. They wanted a copy of my bank account transactions to provide proof of payment. Instead I wrote a letter with copies of the completed transactions. I waited and called again XX/XX/18. I was told I had called too soon. To wait 10 days and call again. Navient then claimed they had not received the documentation and to send a copy of my bank statement. After several contacts with Navient, I went to my banker at XXXX XXXX, XXXX, WI. She sent a certified letter, in a fax, to Navient declaring I had paid them. This was suggested by Navient. I called three days later. Navient had not received her fax, even tho the number was provided by Navient. I called my banker, she sent the fax again. This time when I called, I was told the document was not acceptable. Navient insisted upon a bank statement. OK, back to the bank who suggested she would black out all info on bank statement and fax. The first time, this was not received by Navient - again, they provided the fax number. Navient also claimed documents were illegible The second time, Navient acknowledged the bankers document, but, I had to wait 14 days for the financial dept to act upon it. I called on day 14. I was told things were being processed, and action would take place either XX/XX/XXXX or XXXX. Today, I am back to Navient who again claimed they had not received payments but they had gone to XXXX XXXX. I was to again call XXXX XXXX. Having called XXXX XXXX in XXXX was not sufficient. I called the number Navient provided. It went back to Navient. I searched the web for XXXX XXXX  phone number. It also went back to Navient. However, website did say that XXXX XXXX was now XXXX XXXX. Called XXXX XXXX but they have no record of my account. XXXX XXXX did some tracking and told me that since my debt to XXXX XXXX was in default, it had been immed sent to Navient as a personal loan. In fact, I have never been in default with XXXX XXXX. However, I had just completed the requirements for Chapt XXXX and that has successfully been closed in XX/XX/2018. 
So, I am back to Navient who I have contacted 4 times already this month alone. XXXX, XX/XX/XXXX, XX/XX/XXXX and, XX/XX/XXXX.
Product: Debt collection

Recieved a call from a lady name XXXX earlier in the week and she stated I owe a debt with XXXX XXXX and gave me the price of the alleged debt owed. She stated legal actions will be taken against me is debt was not paid. She Call today about the debt but this time it was a different amount. I googled the company and read that people were scamed by this company ZFN & Associates. The number she used to called my cell is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I ordered a new XXXX XXXX XXXX on the manufacturer 's website on XX/XX/XXXX. I was presented with a {$60000.00} 2.49 % loan offer from XXXX XXXX Bank on the same day, but did not sign any loan documents. Vehicle delivery was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I went to the XXXX dealership location ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to pick up the car. Unfortunately the car was physically damaged and had several error notices showing up on the main screen. I spoke with a XXXX representative ( XXXX ) and he told me in his experience this was not normal. I told XXXX that I would reject delivery. XXXX told me that this would not be a problem and that XXXX would cancel the order, have a new car/VIN allocated for me to be delivered at a later time. 

XXXX does NOT allow future owners to inspect the interior of the car and/or the software/computer inside the car before signing the documentation, therefore I was forced to sign their paperwork prior to completing my inspection of the vehicle. I asked XXXX if this would be a problem after I rejected delivery, he said no. He promised me orally and subsequently via text that my deposit ( {$8700.00} ) would be refunded shortly, that the documents would be cancelled and that a new car will be ordered. 

On XX/XX/XXXX I received a notification from Experian that a new lien was added to my credit report. This was the XXXX XXXX Bank loan for {$60000.00} that I never accepted because I rejected delivery of the vehicle. I reached out to XXXX immediately and asked him why my credit report was showing this loan. He told me that XXXX 's systems showed the loan contract as voided, that he followed up with XXXX 's financing team to confirm and that my deposit would be refunded within 30 days. I never heard back from XXXX. 

On XX/XX/XXXX a XXXX XXXX Bank employee reached out to me to let me know that that loan was showing as due in their systems and that I needed to start paying. I explained the situation to him and asked him to reach out to XXXX to confirm that the loan was voided/cancelled and that XXXX kept the car. I reached out to XXXX again and asked for some sort of resolution, but I never heard back from him. 

I filed a dispute with Experian and today the dispute was " resolved '', but the loan remains on my credit report. I have tried getting XXXX 's help on this matter multiple times, but time and again they refuse to do anything to solve this issue. 

I attach the communication I have had with XXXX for the past few months.
Product: Credit card

Walmart sent me an unsolicited credit card from Synchrony Bank. The fine print says they have th right to share my information for marketing purposes. I do not want this credit card and do not want my information shared. I could not find information about how to have them stop sending me credit cards or offers.