23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I contacted XXXX hotel in XXXX California to confirm I would be able to check in late. Upon confirming this, I booked an hotel reservation for XXXX XXXX which cost {$150.00} - upon arriving the person working behind the counter made a mistake and could not locate my reservation. The person said that I did not have a reservation for XX/XX/XXXX through XX/XX/XXXX XXXX night in fact, did. They did not allow me to stay there. So, I disputed a transaction because I did not get the goods and services I paid for.. I have contact Cashapp several times in the month of XXXX. They can not and have not provided any additional information to support their case. The last contact stated they could NOT provide additional information - yet they state the goods and services were provided but with NO PROOF : Hi XXXX, My name is XXXX XXXX and I'll be your friendly expert and my teammate is out of the office now but I'll be taking over this case but don't worry, I'll be more than happy to assist you today! 

Thank you for that information XXXX, checking very carefully into your account let me mention that I see you already have a dispute claim however I want to mention that we are unable to provide any more information regarding your dispute filed on XX/XX/year> at this time. As a reminder, dispute claims may take up to XXXX days from the date that we received your notice of error to review and resolve your claim The email continues to say how I can access the files and information of the claim but theres nothing to access - they closed my original claim within XXXX hours and NEVER processed the additional information that I sent it. Many emails were ignored - especially XXXX with information I provided to submit my claim on XX/XX/XXXX- as well as several emails afterwards. I never received an update after an email I received on XX/XX/XXXX stating my case was being transferred and escalated however no response to that email either. I sent in supporting information from the hotel and company - they confirm the reservation was marked as no show which is false because i notified the hotel I would be arriving AFTER midnight - additionally, the hotel confined no shows are not marked until XXXX - so an employee made a mistake on my reservation & due to their error, I couldnt check in even though I confirmed prior to the booking that I CAN check in after midnight - they clarified my checkout would still be the same time. Finally, I got them to reopen the case - however they closed in XXXX  days later saying I didnt reply when I sent them several responses.
Product: Debt collection

Several " collections '' companies, using different names and contact information, have repeatedly sent demand letters over the past 7 years to collect a XXXX XXXX debt from me that is not mine. Furthermore, I have never had an outstanding debt to XXXX or and of it's subsidiary companies. I have also never had a relationship with any of the collections companies listed below or any other unnamed companies attempting to collect this fraudulent debt. 

Collections companies perpetrating this fraudulent collections activity include : [ FBCS , Inc ] [ XXXX XXXX XXXX XXXX XXXX ] Information Listed in their fraudulent notice : Account number : XXXX Reference : XXXX Amount Owed : {$2300.00} Date of Notice : XX/XX/2024 Reply By Date to Dispute : XX/XX/2024 This is fraudulent and repeated XXXX tactic to scam people out of money for fear of having a collections account on their credit history.
Product: Bank account or service

About three weeks ago, I went to a wells fargo bank in XXXX to open a new checking account besides the one I already have. I did that. I was told that the account has been created successfully, and I should be receiving a new card within 7-10 business days. It 's been more than 20 days, and nothing is received. I am not even worried. I happened to go to the branch the other day, and check on the status of the card. I was told that I had to provide further information, namely, ( Apt number ), which I then did. Next, the banker told me that your card will be mailed out to you soon. So far, no stress and everything is cool. I walk out, and next day, which is literally this day ( Friday ) I try to buy some food using my debit card, but could n't. Debit Card was never accepted by all machines. Things started to get weird! I then tried to get some cash via an ATM, however, it kept declining the transactions. I then went straight to the closest bank branch, which is at the University XXXX. I was trying to explain what 's going on, and understand the problem, yet bankers -including the manager- were being too unhelpful. I told them that I could n't use my debit card, and .. so forth and that it keeps getting declined, so they asked for an Id. I showed them my University ID, as well as an international valid driving license. They did n't however bother to check onto my account, and yet insisted to see my passport, which I obviously did n't have at that point, nor was I able to go get either. I was frustrated because I was not even able to afford for a taxi to take me back home, so that I can get my passport and fix the issue. I never held cash on me. I felt condescended. I got disappointed, and walked out. I tried to call the bank thinking they my be of a help. Lucky I was, at least was informed what the problem was, which totally ended up being unpleasant. After verifying of my identity, they told me that my debit card has been deactivated. And the reason is because another card will have been mailed to you. My answer was Seriously?? It just does n't make no sense to deactivate all my working debit cards ( XXXX ) because you are sending me another one for another checking that has not even been received, and without any temporary cards! Simply, I have been blocked out of my accounts. I was no longer able to get any money out of my money just because of that! I could n't use the card, and I could n't do anything else. Apparently, on an email I received from WELLS FARGO the other day saying that my, supposedly, previous card will not be deactivated until the XXXX/XXXX/15 which completely disagrees with all the actions taken. They deactivated XXXX working cards that are, nonetheless, associated with a different checking account. It 's too frustrating to see carelessness prevents you from using your own property and own money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Request to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account ( Account # XXXX ). Despite my repeated requests for correction through disputes filed on XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, no changes have been made to address the inaccuracies. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Payment History Discrepancies The payment history for this account contains significant inaccuracies : XXXX reports a XXXX late payment for XX/XX/XXXX, which is incorrect. 
Experian reports a XXXX late payment for XX/XX/XXXX, which is also inaccurate. 
XXXX inaccurately reflects the account as having a XXXX late payment despite showing no late payments in the detailed two-year payment history. 
These discrepancies among the credit bureaus highlight a failure to maintain consistent and accurate reporting of my payment history. The XXXX late payments reported by XXXX and Experian are false and unsupported by any records. 
FCRA Violations 15 U.S. Code 1681i : Mandates credit reporting agencies to ensure the accuracy of information in consumer files. XXXX has failed to investigate and correct the disputed information. 
15 U.S. Code 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to assure maximum possible accuracy of the information they report.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reporting of a late payment indicates non-compliance with this requirement.

Impact of Inaccuracy This erroneous reporting has caused significant harm to my creditworthiness and financial standing, creating barriers to obtaining credit at favorable terms. 
Previous Dispute History My first dispute regarding this issue was submitted on XXXX XX/XX/XXXX, and my second dispute on XXXX XX/XX/XXXX. Despite providing the necessary documentation to support my claims, no changes have been made to correct this error. 
Desired XXXX XXXX removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Attachments To assist with your investigation, I am including the following documents : A copy of my government-issued ID. 
A copy of my Social Security card. 
Copies of the dispute letters from XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
A highlighted copy of my credit report showing the inaccuracies. 
If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal action to protect my federally granted consumer rights. 
I expect your response to this letter within 15 days as mandated by the FCRA. Please contact me if additional information or documentation is required to complete your investigation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 Debt was paid XXXX to Portfolio Recovery Associates and will be considered paid in full for less than request that the credit beauras delete from report. I have everything in writing to verify. Now, it being reported as partial paid with a balance still due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/1984 last four of ss # XXXX I am writing because after several DISPUTES i have finally been granted REMOVAL of an account from XXXX  and XXXX. I am writing because this account is still appearing on my XXXX  file and I would like it to be REMOVED as well. 

I want my credit file to reflect accurate information and if the dispute process yielded results to DELETE the account, I would like for this LVNV account to be removed from my XXXX file. 

XXXX XXXX
Product: Debt collection

This complaint is a direct demand of a fair solution for my situation. Back on XXXX, I tried to solve this issue with Bank of America. They havent even investigate, or contact me. 

The account is the following : account # XXXX XXXX XXXX XXXX, limit {$21000.00}. Bank of America has not moved a finger to solve this matter, which is a violation under the California Credit REporting Act. They have also committed other violations, such as : Inconsistent credit reporting across bureaus, reporting incomplete information, etc. 

I ask you to please send the attached documents to Bank of America. 

I thank you so much for taking in consideration my complaint. 

Best for you.
Product: Debt collection

There is a debt showing on my credit report that was sent to I.C. Systems, Inc with ATT XXXX {$820.00}. I spoke with this company and let them know that this was an action of identity theft! They gave me all information which will be below regarding who, when, and what address this was taken place. I was told to do a police report and an online report with there company to get it resolved and taken off my credit. 

XXXX ( debt collector contact number ) XXXX ( debt amount ) XXXX XXXX XXXX XXXX Alabama XXXX ( address of service being used ) XXXX ( account number ) XXXX ( person who stole identity email ) XXXX XXXX ( date account opened ) XX/XX/2017 ( date account closed )
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires below are not authorized by me. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Checking or savings account

Someone obtained my card numbers virtually and spent around XXXX in around XXXX separate charges to platinumlist.net from my Current banking account. When I reached out to the website about the fraudulent charges, they said they couldnt help without me having an account with them. Current cancelled my card and sent a replacement. Current then let me dispute the charges, however, are saying it can take up to 90 days to be approved and only XXXX of the multiple repeat charges has been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in violation of several consumer protection laws, FCRA, FDCPA. FRANK DODD ACT,  XXXX XXXX COMPLIANCE, ETC ...
Product: Student loan

I started working as a XXXX XXXX XXXX in XX/XX/XXXX. After paying my student loans for about XXXX years, I applied for forgiveness. To be eligible, you must make XXXX payments. So, in XXXX of XXXX, my loans were forgiven. Here 's the thing, I never missed a payment from XX/XX/XXXX until XX/XX/XXXX ( I consolidated & switched my loans from XXXX to XXXX XXXX in XX/XX/XXXX ). I was told that I qualified for a COVID repayment ( I paid my loans throughout the pandemic ) & a refund for overpayment of about XXXX years. Before I switched from XXXX to XXXX, I asked XXXX to send me a copy of my entire payment history ( XXXX ). When I contacted XXXX about being reimbursed, a representative and manager told me that because my account no longer exists, there is nothing that can be done. I explained I had the statement sent from their company, but it didn't matter. I also tried contacting MOHELA. Their office said that because I never made payments to them, there was nothing that could be done. I am so confused. XXXX XXXX/MOHELA bought my loan and was responsible for a sending me a refund for overpayment. I know a few people who have received refunds from the Education Department. I overpaid and I don't know what to do to solve this problem. I'm not sure who is responsible for the refund, MOHELA ( they were my current lender ) or XXXX ( I made all payments to them ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I leased XXXX XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX, XXXX. on XXXX/XXXX/XXXX for {$68000.00} after XXXX rebates and all other incentives from the dealer. The lease was financed by XXXX XXXX XXXX XXXX, XXXX AZ. We also put {$5000.00} cash for down payment. Due to medical financial hardship ( son diagnosed with stage XXXX XXXX in XXXX, XXXX ) we contacted XXXX XXXX to do voluntary early termination and return the vehicle. They agreed without any early termination fee and told us to return the vehicle to the original dealer. After handing over the vehicle on XXXX/XXXX/XXXX, the inspection was done while I waited, once the inspection was all completed. The vehicle return XXXX made me sign a XXXX Return Notification ( similar to a contract ) with all the breakdown of mileage, accounting etc. and total Charges of {$31000.00}. ( see attached ). Sometime between XXXX and XXXX, XXXX, XXXX XXXX sold the vehicle in auction for {$51000.00}. In XXXX, XXXX, XXXX started sending us bill for {$11000.00}. I contacted them several times finally, I got someone that could tell me about the sale amount of the vehicle. I requested the receipt of sale, which I got in mail for {$51000.00}, we were not notified about the sale until we requested for. I told XXXX that we made XXXX payments all before due date amounting {$6700.00} or more, plus {$5000.00} down which they have record of. And asked them since, they sold the vehicle for {$51000.00} and we only owed the {$31000.00} to refund us the difference. If they took fair market approach, then the vehicle sold for more, and if I kept the vehicle for 39 months I would have paid them {$37000.00} per contract after all wear and tear. After 39 months they would have not got approx. {$64000.00}, what they got now. We had to consult an attorney, after second notice, XXXX replied, stating that, we have to send a check for {$11000.00}. It still shows on my wife 's and my credit report. Please see attached attorneys letter.
Product: Student loan

I took a loan out through sallie Mae in 2011 and have yet to pay off a {$2500.00} loan. They keep hiking interest rates and late fees and I 'm very sick of it. I ca n't afford it. Then they call my number all the time when I 'm maybe two days late and wo n't stop until they 're payment is processed and that 's not short timing by no means. It 's harassment. I encourage people to not go to college. It 's a scam.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX Balance : {$44000.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I noticed that this item is reported inaccurately. The FCRA Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.
Product: Credit reporting

I have a state tax lien from GA that 's been paid and only credit report since XX/XX/2009. It 's been seven years and it should come off. All the other credit bureaus removed it with no hesitation but equifax will not remove it.
Product: Checking or savings account

I get charged for {$88.00} {$41.00} {$16.00} not from me under apple.com and I call my debit card wisely they said we going to send you something in the mail to sign but not saying nothing about the money plus my card is closed i sign. And Im not able to reach my money that I work for.
Product: Debt collection

I received a letter today. First response ever from this company. 
Protas, Spivok & Collins in regards to an account / debt with XXXX XXXXXXXX XXXX XXXX XXXX Debt Section XXXX XXXXXXXX XXXX  Never heard of them. Never had an account with them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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: Credit reporting or other personal consumer reports

To whom it may concern, I am writing today as I have encountered an issue with the Experian Credit Bureau. I am a XXXX  individual who went through the legal name change process to update my first and middle name through New York State Courts. My last name, social security number, date of birth, address, phone number and email address all have stayed the same. I have updated my legal name on all my creditors, bank accounts, employment, Social Security Administration, NYS License and Birth Certificate. I called Experian who I pay monthly to monitor my credit as I have their app and inquired about updating my legal name with them. The Experian Supervisor instructed me to upload my updated my legal name documents to Experian/upload. I uploaded my court order, my updated Social Security Card and my updated New York State License. After 3 business days I received an email that they have updated my Experian account to reflect my updated first name. I logged into my Experian app today as I do daily to check my credit report and it showed that I no longer have a FICO score. I called Experian customer service and received no help. I escalated the inquiry to an Experian Supervisor who told me they can't help me resolve the issue, that the creditors need report with my updated name. I have updated my name with all of my creditors and they have been reporting my legal name to Experian. I am XXXX XXXX XXXX and have worked hard to earn a good credit score of XXXX. I pay my bills on time every month. I need this problem rectified as soon as possible as it is causing issues with my ability to run my credit for purchases.
Product: Checking or savings account

An unauthorized transaction was made on my business checking account from XXXX XXXX on XX/XX/XXXX of {$1900.00}. I called Chase Bank to alert them this was not my transaction. They temporarily credited the transaction in order to investigate, then came back 6 weeks later and claimed that is was not fraudulent, and reversed the credit. 

We have gone back and forth with Chase on their reasoning and have had a difficult time getting any information at all on the actual transaction itself. We filed a police report which is attached. We finally received the information from XXXX XXXX via Chase on XX/XX/XXXX which states the transaction was done on a mobile cash app using my credit card number and the wire transfer or money order went to " XXXX XXXX '' in XXXX, Florida. Chase claims because the originator verified my address and my spouses email that it was not fraudulent. On the Report from XXXX XXXX it says " Zip code matches , street address not verified ''. The email address listed on the XXXX XXXX is not the email address on file for my husband. There is an IP address and a Device # for the transaction but both Chase and XXXX XXXX have washed their hands of this stating that it was not fraudulent. Since I know that it was and they will not longer assist in ways to pursue I am looking for help.