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

On XX/XX/XXXX I purchased a hotel room through XXXX for {$690.00} for a quadruple room for 4 people at the XXXX XXXX XXXX XXXXn FL. Once i received my confirmation email I was booked for an private owner condo. 
I contacted the hotel number that was provided and found out that this was a XXXX XXXX XXXX XXXX and the owner did not have a room that can fit 4 people and does not list any rooms with zenhotels, doesnt even recognize the company. 
i contacted XXXX and emailed screenshots with the descrpency between what was booked and what was on the confirmation page. They recognized the mistake but stated that the room was non-refundable and that they would need to investigate to determine how to resolve the issue and could not refund me at that time. 
i then contacted my credit card company HSBC and disputed the charge, they initially refunded the money back to me but then charged it back due to the charge not being considered fraud.i then enetered another dispute and listed as billing error and provided the company with multiple emails. 
XXXX XXXX eventually agreed that i should be given a refund but stated that i would have to wait for my bank to grant the chargeback.Email provided. 
Since then HSBC has stated that XXXX  has confirm the charge by providing my information ( duh since i made the charge ) and has granted XXXX the phone without looking at my proof of billing error. 
They have also charged me an additional {$690.00} on XX/XX/XXXX for the same charge. I know have almost {$1300.00} worht of charges from the one merchant for something that i did not book as well as did not use. 
No one from HSBC dispute department has given me a call or email me back
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

this happen to me way back in XXXX at that time i was using cash app to send and receive payments!... someone hack into my account stole my money it's not just a little it's a lot too i complain about this i even have proofs and told them to look into this and nobody help me retrieve my money! till this day XXXX i never receive any payments!. i lost my job my car was repo... i was XXXX it made me fall into a deep XXXX!... i just wants what's owe to me! please help this XXXX mom because i would like my refund back
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit with acknowledgements from all 3 agencies XX/XX/XXXX, I did not authorize this credit monitoring service, Trans Union refused to surrender any and all information about this credit monitoring to be in accordance with FCRA 609 ( e ). Here is what on my credit report : XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : CREDIT MONITORING Permissible sure had I done it, but I tried to sign up for the OPM hack using XXXX XXXX and was told I had to lift my freeze so they could access it, I decided to leave it frozen being so XXXX thinking FROZEN would only allow companies I had an exiting relationship would be allowed to access it. Not some free or cheap service they offered and XX/XX/XXXX was forced to repay customers almost {$14.00} million and the fine FTC imposed of {$3.00} million for XXXX XXXX XXXX XXXX shady advertisement scheme. I submitted enough information to support my ID theft when I froze my credit, Trans Union and I got into another wizzing contest over the illegal access of my credit report on XX/XX/XXXX, which allowed the criminals access to enough PII to take over my bank accounts which lead to a call at XXXX XXXX Sunday XX/XX/XXXX alerting me to the takeover only cause the criminals tried to send funds to the XXXX. Trans Union Litigation Support Department XXXX XXXX is claiming FCRA states it 's illegal to give a victim the info under FCRA 609 ( e ). Are they really that _____ XXXX? I used a cover sheet that clearly referenced FCRA 609 ( e ), in my emails I stated it, in my phone conversations also. So there is no doubt other than they know they violated FCRA by allowing access to my report by criminals and hoping I would not know there is civil damages due to their actions. I want, no demand that the information is turned over we are WELL past the 30 day limit set forth in 609 ( e ), my next request for assistance will be to my VA senators. I hope everyone understands my stance on this issue, they are more than happy to sell my PII/credit report even while frozen. They admitted on XX/XX/XXXX, they had a gap in their policy/procedures that allowed this to happen, well no _____.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a medical bill by my daughter 's XXXX of {$68.00} dollars that was sold to XXXX XXXX XXXX. Neither party would settle the collection with me directly and they made no previous attempts to contact me by phone or any way I recall to settle before it hit my credit in time. I didn't recall the debt. When I attempted to settle the debt with the credit agency they stated that it would remain on my credit for years to come as a debt owed that was adverse and paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account is reporting on my credit report that is impacting my credit scores. 

XXXX {$620.00}
Product: Credit reporting or other personal consumer reports

The names, addresses, and phone numbers listed on my credit are not correct.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Companies such as XXXX, XXXX XXXX, fifth third, Home Depot.inaccurate names alias and contact information. Hard inquires filed did not belong to me. I tried to dispute it and have not heard from the company. Class action data breach settlement paid XXXX after my information was exposed and used. Spent hours repairing and sent proof.
Product: Checking or savings account

I have had many issues with Huntington bank. I was treated disrespectfully. I was told my account was being closed because I made to many claims. This is the worst banking experience in my life
Product: Credit reporting or other personal consumer reports

I received a copy of my updated score for my credit report and noticed an account was added to my report XX/XX/year>, that does not belong to me. That account is XXXX XXXX  XXXX in the amount of {$2400.00}. I have included this account in my Identity Theft Report.
Product: Debt collection

PROFESSIONAL ACCOUNT SERVICES, INC ATTN : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$380.00} Dear PROFESSIONAL ACCOUNT SERVICES, INC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Product: Mortgage

XXXX : XXXX this agent persisted me on a daily basis and when I decided not to continue they pressurized me to complete assuring me they where best and would benefit me. I explained my concerns with closing costs and they assured me it was normal. I subsequently have been advised its above average. I was also told they would consolidate all our debt only to find most of it will be consumed by closing costs. Then insisted we close to lock in rate and now they going ahead and ensuring process would be efficient. Since signing I have not heard from company! Sent emails and phoned but they unable to assist and was not able to speak to anyone who could assist. I have no idea what is going on and now told payments due XX/XX/XXXX when I was told it would be 2 months of no payments and no information about debt consolidation which was reason to start with. Now we continue to incur interest and the closing fee of {$17000.00} is excessive as I told them! This is our house and we have worked hard for it only to be poorly managed. 

We continue to incur costs and nobody is helping!
Product: Payday loan, title loan, or personal loan

When I signed on with Speedy Cash, I was in the throes of my XXXX  to XXXX. I had trouble paying it off because I 7 other payday loans out there. I never received my loss suit papers because I was in jail for 145 days. Two weeks ago I got a garnishment order from my employer. I don't think this right for them to garnish {$250.00} out of every paycheck. Or is it? This loan was taken out in XXXX of 2018 and they never sent me one bill reminding me of my obligations to them. I need that money to live on because I am on a fixed income due XXXX
Product: Checking or savings account

I was charged a maintenance fee for not keeping a minimum daily balance of {$500.00} to waive the fee despite the fact that I was able to prove the bank that at no time was my balance below {$500.00}. 
I am denouncing a deceptive practice. The bank states you should keep a minimum of {$500.00} a day, but it isn't true. The money you deposit is not posted on the same day, and customers are never told that. They post all withdrawals first to make you default, and then much later, your deposits are taken into account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are in violation of my rights and are REFUSING TO CORRECT the issue. In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX Acct # XXXX My next steps will be to FILE A CIVIL SUIT against them!
Product: Student loan

Im having a very trying time dealing with my private loans. Theres no plan to effectively delay them. The income based repayment plan that I was on is terribly high. With everything going on with COVID and my precarious financial situation I often times find myself extremely overwhelmed and I feel that there is no one at Navient to empathize with my situation. The constant calls and the distressing lowering of my credit report has put me in such a mentally fragile time. I write this to get some guidance and assurance because Im not comfortable with Navient and feel like there is no way to reach a justifiable conclusion.
Product: Payday loan, title loan, or personal loan

Hello, I called Bank of America today in regards to have them Remove two Negative remarks from my Credit Report. They told me that they could not accommodate my request because the reports are valid and must remain on my report. I explained why both the ref accounts were delinquent at the time the payments were made late. 
At that time ( XX/XX/XXXX of XX/XX/XXXX ), I had been advised by my XXXX XXXX XXXX when I retained them, ( XXXX XXXX XXXX  XXXX ), to Not Continue making payments to B.O.A., that they will handle things from that time forward.. Hence Bank of America placed the Negative reports.. To date, both accounts are caught up and both accounts have been paid on time with No Past Due amounts. 
Is there any possible way these negative remarks can be removed? 
Any help would be deeply appreciated.. Thank You _____________________________________________________________________ 1 ) XXXX - Bank of America - Acct # - XXXX Date Opened - XX/XX/XXXX Account Status Open Payment Status Current, was past due 90 days Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment {$34.00} Past Due Amount - XXXX Highest Balance {$6200.00} _____________________________________________________________________ 2 ) GOLD OPTION - Bank of America - Acct # - XXXX Date Opened XX/XX/XXXX Account Status Open Payment Status Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Credit Limit {$9700.00} Monthly Payment {$55.00} Past Due Amount - XXXX Highest Balance {$18000.00} Terms Revolving _____________________________________________________________________ Creditor Information - BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account with PIF 3 times and they have been unable to validate the debt. There is no contract or signed contract and have requested this collection account be removed from all  XXXX  of my credit reports,   XXXX   XXXX   XXXX   XXXX  . This collection account is still reporting on my  XXXX  credit report. I also disputed wi th the Credit Bureau (  XXXX  ) to  have this removed because the collection account can not be validated and they still continue to report this collection account on my credit report stating it has been proven valid and it has not.
Product: Credit card or prepaid card

XXXX DISCOVER XXXX XX/XX/XXXX {$16000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} These accounts was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and XXXX have reported my new credit balance however nothing has been updated in the past 2 months for any of the bureaus. The incorrect reporting is effecting my ability to be approved for additional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all 3 bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the FCRA Act they were given 30 days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as USPS certified mail tracking numbers ensuring they received these documents and still failed to update the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Sezzle is incorrectly reporting my account first 60/90 days late when the balance was paid off in full. They are ruining my credit rating with this nonsense account and being dishonest with their reporting. I am not past due nor have I ever been late 60/90 days. They need to remove this dishonest reporting ASAP it is affecting my mortgage loan approval. I will never ever use this company again for their deceptive practices. Please have them to remove this inaccurate information promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed disputes to XXXX, XXXX and transunion on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I requested the verification of the account and in accordance to section 609, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all 3 bureaus. No response again and I sent another set of disputes to all 3 bureaus on XX/XX/21, and again no reposonse. I sent another 3 disputes to XXXX, XXXX, and transunion on XX/XX/21 and again no responses. Another 3 disputes sent out to each of the XXXX credit bureaus on XX/XX/21 but, at this point, since I haven't received 1 response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have 30 days to respond and it's now been about 6 months and I haven't received one response. I would like the CFPB to remove all of the accounts that I have been disputing for the last 6 months from my credit reports because the 3 credit bureaus have violated the law and not completed their investigations accordance with the FCRA. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.
Product: Debt collection

Dear Sir/ Madam, I noticed a collection account ( {$80.00} ) in my credit report of all credit Bureaus. This collection account was placed by Associated Credit service located in XXXX XXXX. 
I lived in XXXX XXXX XXXX XXXX XXXX NY XXXX. Last 6 years I lived in this address : This is a utility bill from the XXXX XXXX. This is a fraud account. I never lived at that address. I have my utility bill from the current address. After contacting the collection agency they said I have to pay. I settled for around {$60.00} dollar. Still, there is a note in a credit report which will stay for 7 years. Again this a fraud account someone used my name and social security number without my permission. I need help in this regard. 

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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
Medical XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been attempting to obtain a modification with PHH Mortgage for over XXXX years now. After being denied several times because they didnt have all the paperwork ( which was unspecified ), I eventually was approved. All the paperwork was signed and notarized and I paid the agreed upon amount for 3 months and the 4th months payment was returned. They revoked the modification secondary to not having all the paperwork. I applied again and was once again given a modification at a much higher interest rate. Paperwork was signed and notarized and I once again paid for the upcoming month. I then received a letter stating the modification was revoked due to my property being vacant ( my home is my primary and only residence ). When I proved this to them I received another letter stating that the paperwork wasnt received in time. 
I am now weeks away from PHH starting foreclosure proceedings. I have been in my home for over 25 years. I have made all attempts possible with this company to rectify this situation ( when they werent hanging up on me ), as I am not someone who doesnt pay their bills. Now I find myself hundreds of thousands in debt, soon to be homeless, and my credit shot, making me unable to obtain another mortgage or to even rent at this point.
Product: Vehicle loan or lease

Hi my name XXXX XXXX XXXX XXXX i was XXXX  on the years XXXX until XXXX. Someone use my inf to get a loan in a new car dealership n or a mortgage to get a house? Which everytime a do my credit check online they always ask me about those two big loans that someone did under my name while i was in XXXX. I do have proof of my XXXX  time. Thank u