23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I booked a reservation with 'HotelTicuan.com ' for a trip to XXXX, XXXX. I used my Discover credit card ( ending in XXXX ) linked to my XXXX account to make the payment. However, on XX/XX/2023, I had to cancel the reservation, but the hotel didn't respond to my cancellation request. 

To resolve this, I opened a dispute with XXXX for a refund. Regrettably, XXXX closed the case in my favor but refunded only a partial amount of {$140.00} XXXX pesos to my Discover card. The correct refund should have been {$140.00} USD, not XXXX pesos. 

Despite my efforts to rectify the issue with XXXX, they have refused to correct it. Consequently, I escalated the matter to Discover. Unfortunately, Discover also closed the case in the merchant 's favor, leaving me without a resolution. 

I provided all the necessary information for the dispute and canceled the reservation within the stipulated timeframe. This situation should have been straightforward to resolve, but I find myself caught in a frustrating predicament.
Product: Money transfer, virtual currency, or money service

I received a link and when I clicked they hacked my XXXX account and transfer money through XXXX now the bank wont take responsibility for it
Product: Debt collection

I HAVE INSURANCE ... I WAS IN NETWORK ..NOT SURE WHY MY INSURANCE DIDNT COVER IT
Product: Debt collection

I had account protection with Victorias Secret against job loss. When I attempted to contact the company when I was laid off my balance was XXXX in three months its now XXXX $ and I have repeatedly asked to have this issue rectified and the commenity bank calls me over 20 times a day and the agent I last spoke to was rude yelled at me and hung up. No one is willing to honor their contract so I asked them to cease and desist with the phone calls and send a letter and they are still harassing me
Product: Credit reporting

There is inaccurate information on my credit report. Attached you will find copy of a ledger that I received from the leasing office of XXXX XXXX XXXX. 
The leasing office has confirmed that this has been reported as an error on their part. I was never evicted nor do I owe any money. I want this handled immediately, this inconvenience is preventing me from moving into an apartment that I was declined from due to such inaccurate report. This is an error/ incorrect information showing on my credit report, please remove. 

For further questions, you can reach out to the apartment ( XXXX XXXX XXXX ) directly at XXXX.
Product: Vehicle loan or lease

This is a complaint against Lia Motors Finance c/o Hyundai XXXX XXXX XXXX 
1 ) I have received a bill for {$16.00} for a violation but no one can give me documentation of what it is for. There are no documents scanned into my account for more information. I was told in XXXX  I would be sent a statement showing what its for. Now They are saying my account will go to collections. Ive talked to a supervisor who claimed to escalate my complaint but when I call back in a few days nothing has happened. 

2 ) Now I am also facing a {$25.00} late fee for a toll violation ( different violation ) I incurred when my XXXX XXXX didnt not read properly. Hyundai leasing did not pay the {$5.00} toll within 31 days so I was charged a late fee of {$25.00} bringing it to {$30.00}. Now Hyundai is saying I owe {$30.00} on top of the other mystery fee. I have proof the first violation notice for {$5.00} went out on XX/XX/19 from the toll company. 

This company also lost a {$670.00} personal property tax refund check from my city and it took 4 months of back and forth with them to have it applied correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT IS ILLEGALLY DOUBLE REPORTING THIS DEBT THAT THEY SAY I OWE FROM XXXX XXXX WHICH IS ALSO SHOWING ON MY FILE AS A CHARGE OFF. IT IS ILLEGAL TO DOUBLE REPORT SOMETHING. I WOULD LIKE A VALIDATION OF THIS IN WRITING ALSO
Product: Debt collection

Wakefield and Associates, a national debt collector, is attempting to collect on a debt that should have never been sent to collections. The original creditor is XXXX XXXX and the debt is associated with another debt that has been processed and accepted by XXXX, an insurance company. 
The alleged debt is about {$3000.00} and is a charge related to a data contract that arises from and is associated with another XXXX XXXX transaction in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX XXXX forwarded to collections. 
It should also be noted that such cancelation was requested within 24 hours of the date of the data contract and I already had a data plan and device in place at the time of the contract and requested cancelation. 
In resolution of this matter, I would like this collection account to be removed from all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices.
Product: Debt collection

On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ( see attached ) I sent certified mail return receipt to the company mentioned for a dispute. The failed to comply with FCRA requirements not only XXXX time but multiply times. They broke a federal law by not marking my account disputed which is required by the FCRA law and guidlines. They have continued to ignore all of my request to this alleged account. They have not responded not even once to any of my certified letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy
Product: Checking or savings account

As the first XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my neighborhood, I chose Bank of America to open my XXXX XXXX XXXX XXXX XXXX XXXX In my XXXX I managed a modest but meaningful collection of donations that I needed to keep secure. At the time, the minimum balance required to avoid monthly fees was {$3000.00}. Shortly after opening the account, I faced several challenges : updating my account information became difficult due to a legal name change after my marriage, multiple address changes, and issues accessing my online account. When I called customer service, they consistently linked my number to my personal account, resulting in a 30-minute wait to get redirected to my business account. Visiting the bank in person was also a challenge, as the limited hours conflicted with my job, especially during the COVID-19 pandemic. 

Recently, I discovered that around XX/XX/2021, during the height of the pandemic, Bank of America raised the minimum balance requirement to avoid fees from {$3000.00} to {$5000.00} and started charging my account {$16.00} a month. When I asked the bank when this change occurred, they couldn't provide a clear answer, and it seemed other accounts were affected much later. This raises concerns : was my account specifically targeted because they knew I couldn't meet the new minimum balance? 

I can not add more funds to reach the {$5000.00} minimum or spend {$250.00} a month to avoid fees because I am not currently XXXX XXXX XXXX XXXX  It would be both illegal and irresponsible to use XXXX XXXX XXXX to meet these requirements. 

The main issue is that I was never notifiedby paper or emailabout this increase in the minimum balance required to avoid fees. Despite receiving emails on other matters, I was not informed about this. Reaching customer service, whether online, by phone, or in person, has been designed to be a frustrating experience, especially during peak COVID times when this change was implemented. It also appears that my account may have been unfairly targeted for this change earlier than others. To date, I have been charged {$620.00} in fees, and I am requesting a waiver for this amount. I will close this account soon to avoid further charges.
Product: Credit reporting or other personal consumer reports

I received an email offer from Chase Auto to submit for a pre qualification for financing. Upon reviewing the terms of the email, I proceeded with the offer using the specific link provided in the email, which took me to a portal where I submitted the required information. Upon submission, I received an alert stating a hard inquiry had been posted when the email specifically said this would not occur. I immediately reached out to Chase to advise them of the matter and after transferring me through several departments, I was ultimately told to just dispute because I submitted an application. My intention was to in fact submit for the qualification with no impact to my score. While I did proceed with the application, I was under the impression that all references to credit would be made under a soft pull which is typical for surface assessments. I applied using the link provided to me, and was in no way informed that the link provided was to an actual application for credit. I have attached all relevant communication and can forward the actual email should it be required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified XXXX XXXX  that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Debt collection

I am requesting The CBE Group XXXX Inc. to send me verification- ( 28 USC 1746 ) of this alleged debt by XXXX XXXX XXXX pursuant to 15 USC 1692g ( b ). I am also invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & requesting The CBE Group , Inc. to cease & desist all communication unless for verification purposes. I am also demanding The CBE Group , Inc to stop all communication with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.
Product: Credit reporting or other personal consumer reports

I am a victim of data breach for both XXXX and XXXX XXXX. Documentation have been provided to show I am a victim of identity theft. I have made numerous phone calls to have these fraudulent accounts removed from my credit report. Please remove these accounts from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
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 consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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, credit repair services, or other personal consumer reports

Sagestream llc.com. they run XXXX XXXX for your credit score.
Product: Student loan

My loan was taken off deferment on XXXX/XXXX/17 and a payment was taken from my bank account automatically ( which I signed up for years ago ) on XXXX/XXXX/17 without any notification to me. I had payments scheduled, since I graduated, for XXXX/XXXX/17 and those payments were not taken into account when automatically taking the money from me without my consent. I was never notified that payments would begin again because they claim there was no time. In what world is it OK to just begin taking payments from someone without a phone call or email or letter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed incorrect address to XXXX XXXX in XX/XX/2018, as well as to Equifax on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, Il XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.
Product: Debt collection

I sent a certified return receipt letter to collection agency requestion dept validation. They refused and will not comply.
Product: Credit reporting

I was part of the Trans Union glitch and I would like all the inquires removed from my credit report. I mailed the a letter but got no response.
Product: Credit reporting or other personal consumer reports

Child support should not be showing on any of my credit reports. I did not take a loan out with the child support agency. Subject : Request for Removal of Child Support from Credit Report I am writing to formally request the removal of any child support-related information from my credit report. I recently reviewed my credit profile and found that child support payments have been reported as part of my credit history. I believe this is an error, and I would like to explain why this information should not be included on my credit report. 

Child support is not a loan or credit-based obligation ; it is a legal responsibility for the care and well-being of children. As such, it should not be treated as a debt that impacts my creditworthiness. Reporting child support payments as part of my credit history violates my rights under the Fair Credit Reporting Act, which mandates that only accurate, relevant information related to credit and debt obligations be reported. 

The inclusion of child support on my credit report can cause harm to my credit score and my ability to secure loans or credit, which is unfair considering child support is not intended to be a loan or a financial liability in the same manner as credit accounts. 

Therefore, I respectfully request that you remove any child support information from my credit report. Please provide written confirmation once this matter has been resolved. 

If you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Prepaid card

I have been using a usbank focus payroll card. On XX/XX/ at XXXXXXXX XXXX I got an alert on my phone that three separate chargers were added to my account all via ATM charges. The first charge was for XXXX, the second charge was for XXXX and the third charge was for XXXX. I havent lost my card or given my information out so I do not understand how this was possible. I called my bank as soon as I noticed which was at XXXX XXXX I canceled my card and tried to report the charges as fraudulent. I was informed that the charges were withdrawn from Florida which is across the country from where I am. Usbank stated that they will start an investigation and mail me paperwork that will arrive in three business days. They stated that the investigation can take up to 90 days and that they will not return the money that was stolen until the investigation is finished, and that it was proven that fraudulent activity has taken place. I also ordered a new card that should arrive in 7-10 business days. I plan on making a police report today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX/XXXX/17 I was informed there was a major breach of my personal information being stored by Equifax. It was shared without my permission in a database that was not sufficiently secure. I was directed to log into a site setup by Equifax which prompted me for even more information then what is traditionally requested when verifying a person. They asked for 6 digits of my social security number vs. the standard 4 and my last name. I could n't believe I had to transmit this information again and trust that the connection was actually secure this time around. Regardless I went through the process and found that all of my data was in fact stolen. I feel violated that they lost all of my PII, and have heard horror stories of how difficult it is to reclaim your identity once it has been stolen. The risks that were taken are completely unacceptable at their level and something needs to be done to ensure this never happens again. Additionally they have known about this problem for months and just sat on it. With 143 million potential victims we should have been aware of this problem a lot sooner. I am very disappointed as this is supposed be one of the institutions we can trust this level of data with and clearly we have been betrayed.