23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Had purchased a ticket on XXXX on XXXX XXXX from XXXX to lasvags on XX/XX/XXXX. that is the weekend that XXXX canceled thousands of flights. They changed my flight route on XXXX from a route via XXXX to a XXXX XXXX XXXX. the flight out of XXXX was delayed XXXX hours. before we even took off from XXXX XXXX had canceled the flight from XXXX to XXXX XXXX due to staffing reasons. which per federal regulations means i am due a full refund plus compensation. XXXX flew to XXXX and then back to XXXX the same day as they said they could not get to XXXX XXXX until XXXX at the earliest but that i would miss my flight home if i went that route. since they could not find me a hotel room in XXXX i went home. I spoke with a XXXX XXXX in XXXX customer support she promissed me a full refund and gave me a {$300.00} flight credits for my agravation. when i pressed her on th fact that i had non refundable rooms rented in XXXX she issued another {$200.00} credit and promised me a full and complete refund on my credit card charges for this flight and said it would take XXXX weeks for the credit to post back to my credit card. 

XXXX is now denying me the credit saying that they flew me part way and are entitled to this money and Citi Bank is agreeing with them and refusing to issue the refund. I have attached the emails from XXXX promising me a full refund as well as there XXXX reason for not giving me back my money
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX and XXXXl XXXX Veteran which by law I am no longer responsible for any student loans.
Product: Debt collection

I had a Bank card in XXXX or XXXX, the year I had to declare bankrupsy. Since I have had four collection agencies for the same account with different dates of original contact. This account has been under 1. XXXX XXXX, 2. XXXX, 3. XXXX and now back to XXXX. XXXX XXXX. They are now saying the first contact was XXXX XXXX and this will stay on my credit report until XXXX. XXXX to XXXX is over 15 years under the four collection companies that have passed the account around. Legally, it should go off my account in XXXX or XXXX, not XXXX. Please investigate Portfolio Recovery, they do this to other people and change the dates of contact. I have disputed this and they will not change it or do the right thing. Why can a collection company pass an account back and forth for years falsely stating the first contact when it is not. It is the date they again passed the account back and forth. This has harmed my credit and standing. I have asked them to remove this account from my credit history. They just keep passing it around and then back to their company. I have been greatly harmed by them and their practices. I had paid one bill in XXXX, yes XXXX and just managed to get it removed two years ago. That was 17 years ago and it was a bill that had been paid in full! 

Please help me with this. This is unfair practices and passing an account back and forth changing dates has harmed me, my standing and is unfair practices. Please have them remove this from my account ASAP. If this does not work, I will contact the XXXX state Attorney General and our Senator. It is wrong to have four collection agencys on one account over the years and to change the date each time making it appear that I have had contact with them each time when I have not. I have never received any type of certification or letter stating the proper documention or that I could dispute this from Portfolio Recovery. They do not care that they are lying or destroying my credit. I am a XXXX senior citizen, and this has caused me undue and harmful stress and worry because of their unfair and harmful practices, and changing the dates every couple of years. Next year a new date will appear and they keep getting away with it. Please help.
Product: Mortgage

Please refer to CFPB complaint #  XXXX  and #  XXXX . I have been working to get a Deed in  Lieu  or Foreclosure process  ( either one )  done with Shellpoint Mortgage for almost t three  years now. They approved a Deed in  Lieu  yet have done nothing to get this accomplished. All title work has been up-dated. For the eighth time they requested me to update my paperwork, which I did. I then received the attached letter stating that the process is beginning from square one AGAIN. Each time I complete the requested documentation the process starts again. The paperwork expires because of Shellpoint, not on our end. They sit on the process. In the meantime they requested I have all tenants vacate the property, which I did and they are charging me maintenance fees. Because the property is vacant there is no income coming in to offset the mortgage. I am at a loss. We are more than willing to sign over the property via Deed in  Lieu o r Foreclosure, yet they do nothing. They return no phone calls, no emails, no communication. We are at a loss as to why they are dragging their feet on this. I do not know where to turn for help.     I have documentation of emails sent on a regular basis and phone messages left on a timely basis yet no assistance or communication. The only information I receive is an occasional phone message stating that someone will contact me. No one ever does!!!     Can anyone help us get this process completed? We are trying to work with them but they are not working with us or anyone else to get this resolved. Please help me!!!!!
Product: Credit card or prepaid card

We rented a house advertised on XXXX from XX/XX/XXXX to XX/XX/XXXX. The house was clearly advertised as heated, which was important since we were there in the middle of winter. Upon arriving however, we found that the only heat we available for sleeping at night were two small room heaters, one for each of the two bedrooms. Since the master bedroom was about 300 sq ft and overnight lows were 40 degrees Fahrenheit, the rooms were essentially unheated. We had a small child   with us, and after two nights of freezing cold we cut our visit short and went to a heated hotel room. 

We first tried unsuccessfully to resolve the issue with our hosts, who at first said they would offer a credit, but then reneged. 

We then unsuccessfully, to file a dispute with XXXX but they were unresponsive and put the onus on us to resolve it with the hosts. 

Finally, we filed for dispute resolution with our Citi AAdvantage MasterCard, which we had used to pay for the vacation. Our understanding of our agreement with Citi is that we are entitled to a refund if services or goods are defective or inadequate. We provided a detailed timeline of events, along with pictures of the listing, the room, the small space heaters, and the correspondence with XXXX. The total payment was for {$1400.00} -- we subtracted the first two nights we were in the flat, and requested a credit for was {$880.00} However, Citi refused our request on five different occasions. Finally they offered us a {$200.00} credit ( {$680.00} less than the amount we disputed and were out of pocket ) and closed the dispute against our wishes. ( At NO point would Citi dispute resolution personnel actually talk or email with us. Our only communication was a series of denial forms ) During more than two decades of using this Citi card, we have only disputed one other bill -- a railing installation at our house which was not completed for {$700.00}. We wish Citi would consider standing by its customers, and abiding by the agreements under which it issues cards to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX
Product: Debt collection

I was a victim of ID theft years ago due to a robbery. I've had my identity used since that time opening accounts, loans credit cards and everything else in my name without my knowledge. I need the CFPB help me to get these removed.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Money transfer, virtual currency, or money service

I received a message on XXXX dating app on XXXX & they introduced me to an investment " expert '' for crypto shortly thereafter by texting on XXXX. I transferred my own money to Crypto.com & additionally borrowed {$10000.00} from the dating app scammer on XX/XX/2021. Between XXXX they said I had earned more than {>= $1,000,000} on crypto trading on the site tgc-axwci.com. On XX/XX/2021 I was told I needed to add another {$11000.00} to the account to access my profits. The investor says I owe him {$60000.00} in commission. I am not able to access any of my money & I am being told I owe {$70000.00} to other people. 
$ was sent to Crypto.com on these dates in these amounts and then transferred to tgc-axwci.com from Crypto.com : {$100.00} on XX/XX/2021 {$1000.00} on XX/XX/2021 {$130000.00} on XX/XX/2021 {$16000.00} on XX/XX/2021 Here are the Tx Hash of all the withdrawals from crypto.com to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to AMERICAN EXPRESS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
Product: Debt collection

A checking account and growth money market account were opened at TD Bank in XX/XX/2022. I contact TD Bank upon receipt of bank statements received in the mail. I advised the customer service rep I did not authorize the opening of these accounts. I was advised there would be an investigation and those accounts would be closed. The bank statements continued to arrive. the following month. I called again. I was told the statements would continue until the investigation closed. The statements continued the into XXXX. I called again. I was told to go to the branch. The branch researched and concluded the account was left open in error but by that time I was placed with collections because there were transactions on the account which resulted in insufficient funds. I disputed the collection with XXXX XXXX XXXX  in XXXX. I received a letter from TD bank dated XX/XX/2022 acknowledging my identity theft claim ; however, as of XXXX XXXX I have collection letters from XXXX located XXXX XXXX XXXX XXXX XXXX NJ XXXX. I am now disputing with another agency. TD Bank needs to retract the collection effort and call off the debt collection for {$110.00} for which was the result of fraud committed by others.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX.This is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

The original credit or is  XXXX   XXXX   XXXX   XXXX  . The problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with t he corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of  XXXX / XXXX . On the   XXXX   report it shows the chargeoff done  in  XX/XX/XXXX , on the  Experianreport  it  shows that i was in good standing with them during that time. It also has no close date on   XXXX   or Experian. No high balance recorded on  XXXX  or Experian. No visible Account number, it is completely blocked out. On  XXXX , it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all  XXXX  credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to th em on  XX/XX/XXXX  to ha ve  the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. Thank You
Product: Credit reporting or other personal consumer reports

MONEYLION INC is in clear violation of the law, under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not given this person any written instruction to furnish this information on my report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This agency is in violation of 15 USC 1681.
Product: Debt collection

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Debt collection

JEFFERSON SYSTEM LLC FROM XXXX XXXX  MN. 

REGARDING 5 YEAR OLD XXXX DEBT I AM XXXX, SET THEM A LETTER AFTER 4 YEARS ( WINDOW OF TIME IN PA ). AFTER THE 4 YEAR PERIOD + TOLD THEM BY MAIL THAT THEY WERE NOT TO CONTACT ME REGARDING DEBT. 

THIS XXXX AT XXXX RECEIVED A CALL THAT THEY ARE TRYING TO COLLECT A DEBT AND THEY COULD TAKE LEGAL ACTION. OUT RIGHT LYING, 1 ) VIOLATING AFTER BY MAIL INSTRUCTED THEM NOT TO 2 ) OUTSIDE THE PA 4 YEAR WIMDOW 3 ) THE IMPLIED THREAT OF ANY POSSIBLE LEGAL ACTION THEY MAY TAKE.
Product: Debt collection

Hi Bank of America accuse me of owning them {$570.00} which I told them this might be due to identity theft which the ssn they have on file is different than my ssn number
Product: Prepaid card

I bought a Netspend debit card at a XXXX on XX/XX/year> for my son so that he would have spending money on a field trip. I believe the purchase price was {$40.00}. He used it for purchases of about {$15.00}. We didn't use the card over the spring or summer and when I checked the balance online yesterday I saw that I had a balance of only {$6.00}. Apparently Netspend charges a monthly non-usage fee of roughly {$6.00}. So yesterday ( XX/XX/year> ) I submitted online a request to close the account and send me the balance. Then I received an email from Netspend saying there's a problem and that I should call them. So I call this morning ( XX/XX/year> ) and they advise that the account has been closed and there's now a XXXX balance. So I guess they charged a fee to close the account or charged another inactivity fee. Also, I can't log into my account anymore and see or print out any activity. This would seem to violate reporting and record keeping rules. Also, where was the inactivity fee disclosed on the card or container at XXXX at purchase? All in all, I purchased a {$40.00} card and {$25.00} went to Netspend in the form of fees. These people are thieves.
Product: Credit reporting or other personal consumer reports

was supposed to check validation and a accuracy on this account. 
XXXX XXXX  over XXXX  year TransUnion XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Maker Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$8200.00} {$8200.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$11000.00} {$11000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$8200.00} {$8200.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.

Merchandise was taken back by credit grantor ; there may be a balance due.

Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX accuracy on account.
Product: Vehicle loan or lease

XXXX XXXX XXXX, This is my written notice, pertaining to a Finance Contract Violation of Refund/Credit for the Cancellation of Service Contract, Breach of Express warranty-State Law : Implied Warranty ( bought Service contract within the 90 days ) had repairs done at dealership, misrepresentation -mishandlings. 
First time purchasing a car through a dealership along with financing vehicle, and, purchased a Service Contract {$2400.00} included in Total Financing of vehicle. The Cancellation of Service contract was done on ( same day as repairs/problem with vehicle ) because of /results of : dealership misrepresentations of Service Contract ( prior to doing Any work on vehicle ) - from my understanding a service contract and bringing in to the dealership ( who sold vehicle ), the recently purchased- vehicle that, this type of work was done, Or/ Should of been done and inspected as general certification of a used vehicle, the -misrepresentations of coverage/use of service contract/processes to follow for service/repair - I then took my financed vehicle to another credit union, I recently came across the paper work for my vehicle ( for which I still have- to possibly- sell privately ) and realized that I was never credited to my Principle the {$2400.00} Service contract to my Principle Balance and, All during that time paying Interest on-and also ( Still was Never- done During the Time I refinanced/went through another credit union ). ( Curious as to what Smart Cash is? And to Whom an error of crediting to a wrong  account? How that happens/allowed to happen when paper /trail verifies the fact accuracy ) A letter from dealership general manager response states a cancel check to Finance organization was sent to them from dealership and states the payment was to apply to lower the principle on loan ( for service contract cancellation ) and the " Cancellation Form says '' Selling Dealer is responsible for All Refunds '' CONTRADICTIONS Mishandling 's, Misrepresentations, Fraud.. The reasons as stated are for what is rightfully mine. 
I am seeking Reimbursements- the : Service Contract amount {$2400.00} plus Interest,  and repair costs {$210.00}. 

Enclosed /Copies :
Product: Credit card

American Express is charging me two interest payments. They claim that because my interest rate was lowered, that they will continue to charge me the old interest rate on my balance. Then they charge me additional interest on the balance with interest, even though they admitted I pay the interest payment with my minimum payment. They then advise that they tack on an additional 1 % on the new balance on top of the interest payment. This is causing me to not be able to pay down my balance, even after I make {$5.00} extra payment every month. My balance has not budged in over a year, and I have not made any new charges in over a year. In fact my interest charges get more expensive each month, when I pay {$25.00} down on my balance every month. How is this even possible?