23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Spoke with third party. Representative lied and said they were unable to process a dispute on the amount claimed to be due. Amount due was wrongfully thrown on my credit report prior to my being notified of the amount " said-to-be due. '' The issue turned out to become hostile with the third party agent and she insulted me and told me they will just have to collect the money by " other means. '' This caused me much anxiety, even with my existing XXXX. I felt as though I was undermined and treated with disrespect regarding the amount due. I was ultimately unable to communicate effectively with the third party billing collector.
Product: Credit card or prepaid card

On XX/XX/XXXX I looked up a trip from XXXX XXXX to XXXX  and found that if I stayed 5 days at the XXXX XXXX resort I would get a {$620.00} Property Credit. My stay is checking in the the XXXX  and checking out on the XXXX. I called the agent who confirmed that was the case and that the credit would be issued once the ticket was finalized. Unfortunately, it was not noted on the final receipt. I then called up Amex and had them look up the disclosures for my stay and the confirmed I should receive a credit but that the issue is with XXXX XXXX I called XXXX XXXX  only to have them tell me I need to call AMEX as they need to hit " some kind of Button '' to issue the credit. Long story back and fourth the disclosures I found and confirmed was accurate and they have bumped up my complaint to the higher ups and provided me with a reference NO : XXXX. I received an email below which basically says its XXXX XXXX fault. below is their response : " Thank you for contacting American Express Travel to address this matter. We tried to call you using your phone number saved on file, however, we're routed to your voice mail. We received your case with Reference NO. XXXX under trip id : XXXX on where you wanted to apply the hotel credit promo of {$620.00}. We apologize for the late update due to we're receiving high volume of cases. 


Just a quick update, we've contacted XXXX XXXX XXXX XXXX at XXXX in regards to the promo you saw online. I spoke to one of their representative from Room Reservations Department and I was advise that the day you book the reservation the promo was not offered due to they have black out dates, XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX. 

Please accept our apology for the inconvenience it caused you. 

Please reach out to us if you have any additional questions we're here for you and want to ensure you have a good travel experience. 


Thank you for choosing American Express. '' _______________________ With that being said I called again to see why they are not offering to explain why they are advertising the dates and they then created another ticket and the manager will reach out which has not happened and I am leaving on my trip for the XXXX. I went even further and told them they should honor that and I will change my flight to accommodate whatever date they said was right. The response was I cant do that as it would cost too much to change the flight I also booked with them. 

Everyone I have spoken with tells me something different and some acknowledge the mistake and others don't. The fact is I booked based on their advertisement. Period. 

I would like them to honor the {$620.00} which they are advertising as of RIGHT NOW.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I was the confirmed victim of a XXXX XXXX  and hackers gained access to my Bank of America account. It between the thousands of emails I did notice one from BoA stating that some account info had been changed. I immediately called BoA and the between the Fraud and Online banking teams they were able to take back control of my account.

They then created a new account for me and informed me that the balance and payments including my automatic payments would automatically transfer. So I had assumed I was all set. However on XX/XX/XXXX I was informed by my credit monitoring service that a derogatory credit comment was placed in my file by BoA for non payment. My credit score plummeted by XXXX points and all my existing lines immediately put limits on my accounts. 

I figured this was a clerical error and BoA would immediately fix this mistake on their part. Upon calling several agents admitted this was a problem with BoA and refunded my late fees. However I was informed on XX/XX/XXXX ( after several days of calling and opening a customer service case # XXXX ) they had denied my request to fix this erroneous report, further victimizing me. I need this erroneous report removed and my credit file restored to what it was prior to this fraud attack and victimization by Bank of America.
Product: Credit card or prepaid card

This complaint pertains to  my First Progress secured credit card  which incurred a 30 day late payment due to an annual fee of {$29.00} incurred in  XXXX   XXXX .     Earlier on  XXXX   XXXX   XXXX , right before I left to Washington state to start a new business venture, I made a payment to pay off the entire account balance of {$1100.00} and closed the account.     However, what I was not aware of is that the account had not been closed and would incur an annual fee in  XXXX   XXXX . When I returned home a few months later I found that m y credit score had dropped and  a new late payment for   XX/XX/XXXX - XX/XX/XXXX  ha d been put on my credit report by  First Progress.    I immediately called and took care of the issue and once again request the account be closed and also requested that the late payment be remov ed. First Progress not only charged me their annual fee, but late fees on their own annual fees. In addition they said they would take over 3 months to refund my security deposit of {$2000.00}. Then despite my multiple calls and pleas to First Progress they refused to re move the late payment from my credit report, stating this was my fault, even though this was their own annual fee they put on my account. I consider these to be predatory lending practices.       I had over {$87000.00} in my bank account at the time of the late payment and had I known that the account was not cancelled, I would have surely made the payment.   I am in the process of securing a {$650000.00} mortgage for our family home, and this issue has cost me a loan approval.
Product: Mortgage

constanly receiving harassing phone calls and mailings I have asked to stop several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX, XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX, XXXX XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX. has not even tried to contact me regarding this collection
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim my account has late payments. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). I am a XXXX XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. 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. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; 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 will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Product: Credit card

I recently got robbed by XXXX XXXX XXXX, a blatant auto dealer that deceives consumers. On XX/XX/year>, after hours, I dropped off my XXXX XXXX due to a leak in the cooling system. The following day, XX/XX/year>, I received a phone call from XXXX XXXX, who identified himself as the service advisor. XXXX XXXX informed me of a radiator leak, even though I had replaced the radiator two years ago following my XX/XX/XXXX. 

I had previously inspected the vehicle and found no visible external leaks. In other words, there was no external evidence of a leak. Who else can you trust if not a reputable XXXX dealer? They charged {$1700.00} to my XXXX XXXX credit card. Fortunately, XXXX XXXX promptly reversed the charges due to numerous complaints they have received. 

After picking up the vehicle, I noticed the cooling system warning reappeared after driving only a few miles. On XX/XX/year>, I returned the vehicle to the shop, where they claimed to have found a leaking upper radiator hose and charged {$440.00} to my Ally credit card. 

However, the problem persisted. On XX/XX/year>, after further inspection, they claimed the thermostat housing was leaking and charged an additional {$590.00}. 

This dealerships actions constitute a legal entity engaged in a despicable scam. 

Finally, enough is enough. Despite my eagerness to uncover the mystery leaks location, I took the vehicle to XXXX XXXX, where they confirmed the leak is internal in the cylinders. The work performed by XXXX XXXX was fraudulent and illegal, and all charges on my Ally credit card must be promptly reversed without further delay or inconvenience.
Product: Credit reporting or other personal consumer reports

I Just recently looked at my Experian Credit Report XXXX XXXX. I saw some hard inquires that did not have permissible purpose. 

XXXX. { XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX, XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b XXXX. { XXXX XXXX XXXX XXXX } : This inquiry has no permissible purpose to be on my report. Delete this inquiry to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXXpresent on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXX, MI XXXX should be present on my account Accounts XXXXXXXX XXXX Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information On Trans Union this account is listed as XXXXXXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account XXXX XXXX On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( 4 yrs, 5 mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit have reported multiple late payments on my credit report for 3 different account that I have with them. I have attached a letter to this complaint, naming the accounts, account numbers, and the law that states that Toyota Motor Credit can not report late payments to my credit report. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( TOYOTA MOTOR CREDIT ) Making the report is NOT INCLUEDED on my Consumer report! Please review again my letter that is attached. Violation of the law will result in a lawsuit, seeking damages of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying down my Credit Card balances, but this decrease in the card balance is not reported in a timely fashion, as opposed to ANY increase in a card balance, which seems to be updated in a matter of days. I have paid down XXXX  of dollars in Credit Card debt, but my percentage of use never changes. This is critically impacting my ability to get credit to add available credit, which would lower this percentage of use as I pay these balances down. 
This is clearly both negligence in regard to the consumer, while at the same time offering only cards with high annual fees which finically benefits the Credit Reporting agencies, besides implying that paying to upgrade to a service offered by the reporting agency would assist in increasing the consumer 's credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oportun has illegally pulled a Hard pull inquiry on my credit report with XXXX, I never authorized them to pull my credit. It has dropped my credit score damaging my credit. I am requesting help from the CFPB in this matter for Oportun to respond. 

XX/XX/XXXX XX/XX/XXXX Personal loan companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$1600.00} XXXX XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XXXX XXXX and XXXX XXXX new information was sent to each credit company of loan balances being consolidated. Fir XXXX my score dropped on XXXX. There is no change in balances and loans should show as one combined balance. Student loan is current.
Product: Student loan

I received a phone call saying they were with the student loan forgiveness program at about XXXX XXXX today from XXXX. The call said they were with the department of education at first it was a lady that said she just needed to ask a few questions to be sure I would qualify for loan forgiveness she asked me if I owed more than XXXX in student loans I answered yes she asked me if I was still enrolled in school I replied No and she asked me if I was currently working and who with I replied yes and the XXXX XXXX. She said okay I'm going to transfer you to my case manager so then a man got on the phone and he started to tell Me about the loan forgiveness program and I said ok how do I find out if I qualify he said first I need you email address which I gave to him then he asked my date of birth I gave that to him and he said ok thre is a code being sent to you to verify your phone number but I saw in the text it was coming from FSA and knew he was trying to reset my password so before I hung up I told him No that I knew he was trying to reset my password and I would be reporting this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - COMENITYCAPITALXXXX inquired credit report through XXXX XX/XX/XXXX - COMENITYCAPITAL/XXXX inquired credit report through XXXX XX/XX/XXXX - COMENITYCAPITAL/XXXX  inquired credit report through XXXX I called Comenity Capital on XX/XX/XXXX to remove these inquiries, and they said they could not do that because they could not find any credit card applications in my name. They also mentioned that I needed a letter ( that is done within 14 days of application ) they have sent out if I had submitted an application to see if there was a fradulent request. I have received no such letter. No credit cards were opened in my name, but I have 3 hard inquiries in my credit report from them. I asked to speak to another representative, but they said any other agents will tell me the same thing. They will not work with me on this issue. I have checked XXXX, and saw similar complaints to mine.
Product: Credit card

I received an XXXX rewards XXXX credit card issued by Chase that i did not request. When i called customer service i could not speak to a person without entering the credit card number. I do n't want this card and refuse to enter the number into their phone system in order to avoid activating the card. 
I can be contacted via email.