23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello, I booked a trip through XXXX the trip was scheduled for XXXX XXXX XXXX and was canceled by XXXX  itself due to the Covid 19 Pandemic on XX/XX/XXXX Since the cancellation of the trip I have been trying to get in contact with XXXX  with no success because they have shut down their facilities and not responding to anyone. I have also filed a dispute/claim with my bank in which I have been denied and was told they are still waiting on the consumer ( XXXX ) and that they have 120 day window to return a response. I called my bank again to do a follow up on XX/XX/XXXX and was told I have to wait until XXXX opens back up to talk with them about my refund but I do not see that happening in any way. There have been several other fraudulent activities with XXXX   as well as my own. I have filed a police report with the XXXX XXXX police department for the return of my funds as well.
Product: Debt collection

I was called by a man who would not give me any information but told me he would be showing up at my house in 30 minutes to handle my " incident '' I asked him for more info and he would not do anything but gave me a phone number. Then he tried to get me to confirm personal info and I refused. He called me XXXX XXXX and said he would see me soon and hung up. I called the number and they again refused to give me a website or mail me a letter. They wanted my bank info over the phone. When I refused they told me.I had 30 minutes before someone would be showing up at my house. 
The man continued to call me every 15 minutes for 2 hours until I called the police. I was locked inside my house for 2 hours with my baby terrified some XXXX person was about to show up and I did n't even know why.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 - 60 days past due on XXXX partial account number XXXX. ( Please see page 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Experian Credit Bureau, which most major credit cards and mortgage lenders use to issue credit. I had a XXXX hospital bill that was listed by the XXXX XXXX XXXX as a collection with all three credit bureaus. I paid the hospital bill in full and around XX/XX/20, the XXXX XXXX XXXX, who was collecting for XXXX reported it to all three bureaus as paid in full. However, it has been almost 30 days later and Experian is the only credit bureau that lags behind in removing the paid collection. Also, I have attached messages that I received from Experian that my credit account balances have decreased significantly. However, my credit scorXXXX does not increase but with XXXX and XXXX, my credit scores are higher because they are more efficient in reporting accurate and updated information. I do not understand as a United States citizen how non-U.S. credit bureau out of XXXX can have precedent on our credit reporting system. Therefore, in most cases being inefficient prevent the average consumer from obtaining mortgages, credit cards, auto loans, and etc.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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: Checking or savings account

I have raised a dispute regarding several charges made to an online casino that unexpectedly closed my account and prevented me from withdrawing my funds as agreed. Despite my efforts, Chime denied my claim. I requested access to the information submitted by the merchant to understand why my claim was rejected and it turns out that the merchant did not respond at all, and Chime did not actively pursue the case as they should have. Had Chime pursued the matter, my claim likely would have been accepted due to the merchant 's lack of response. I have since submitted a rebuttal for this unresolved case, which, according to an agent I spoke with, has not been reviewed or addressed. My primary request is for Chime to conduct a thorough investigation and credit my account accordingly, given the merchant 's failure to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  - XXXX BANK Account # 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, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Discover and XXXX ; I was shocked and surprised today again when I reviewed my recent credit report and noticed a discover credit account in " terminated account status '', which I've called both XXXX  and other credit reporting agencies along with Discover that I have no knowledge of this old discover account. I've asked for it to be permanently deleted & removed from my credit report, but it still showing up on the XXXX report. However, i spoke with DIscover and they mentioned that they've already ordered all the major credit bureaus to remove it but i need to follow up with them at this point - Which i've done!

I do have an active account with Discover right now, but i'm not aware of a credit cart that was opened on XX/XX/2009 with a credit limit of {$7800.00}. Please delete.
Product: Credit card

I went to XXXX to have a purse repaired ( XX/XX/XXXX ) and the operations manager said there was a known issue with the bag and I would not be charged for it. In XXXX of XXXX I received notice that the bag was ready for pick up and I would be charged {$290.00}. I picked up the bag and it was only partially fixed - the outside rim and the inside liner was supposed to be repaired. I questioned why I was charged and why it was not fully fixed and the message I received was we'll get back to you. No one responded so I disputed it with my credit card- Chase. 

I received conflicting information and requests from several offshore care agents only to have the case dismissed after sharing text messages, emails and photos supporting my claim. I re-opened the case and received notice today XX/XX/XXXX that my claim was denied because ( 1 ) I didn't provide any new information and ( 2 ) it was beyond the dispute window.

I reopened the dispute the minute I found out the first was denied and I provided additional support including a signed testimonial. I spoke to an agent today and when I asked her to record a formal complaint she told me that she can not do that and she could not transfer me to a manager to discuss this.

I work in regulatory compliance and one pillar of an effective compliance management system is having a complaints process. The fact the Chase does not allow for customer facing agents to take complaints makes you seriously question the strength of their compliance program.

I should not be liable for a purchase where I did not receive what I was promised. There are protections in place out there that I am not benefiting from. This is also a credit card where I pay a {$600.00} annual fee for. I would have never received this type of service/support from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Claimed XXXX, did reaffirmation of loan made all payments on time paid off early and they they report to credit bureaus all three as a charge off. Sent my XXXX XXXX into the tank, lowered my XXXX XXXX lower than when I claimed XXXX. This credit union is out for a very unfair vengeance. Other creditors did proper reporting but not this credit union. You get absolutely no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two closed accounts that never seam to go away. They were from XXXX of XXXX and XXXX of XXXX. They are still having a negative impact on my report. 
XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Transunion a letter because they had an incorrect name on my credit file along with other major problems which were affecting my credit. I requested they make the necessary changed to the information they use in determining a credit score. After pulling a new credit report in XX/XX/2020 I noticed they had completely disregarded my request to remove a name that is not my name from showing on my report. These companies are aware that they hold a persons financial future in their hands and so far they have shown they don't have the integrity to be in that business.
Product: Credit reporting or other personal consumer reports

CFPB JUST ERASED MY WHOLE DISPUTE. XXXX XXXX XXXX XXXX  received my remittance coupon payment that was sent on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX closed my account on XX/XX/year>. Also still reporting late payments to all three bureaus. SAD!!!!!!!!! 

Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.
Product: Credit reporting

Experian has failed millions by not investigating disputes and simply doing what is most economical for them. Please see my attached letter. I have several accounts that are unverified that Experian has refused to follow the law in doing a proper investigation. Involving the CFBP to help me look into this matter is my last straw berfore taking legal action. XXXX and XXXX did and investigation and deleted the unverified accounts earlier this month and I 'm very confident once Experian investigates them they will do the right thing as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA and FTC Violation ... I have contacted Experian on two separte instances by certified mail ( XX/XX/XXXX and XX/XX/XXXX ) requesting their investigations into these two collection account that appears on my credit report ( XXXX XXXX XXXX XXXX Acct XXXX XXXX & XXXX XXXX XXXX  Acct XXXX XXXX. I have requested full validation of these two accounts and asked Experian to show my signature on the account. As of today I have not received anything back from the credit bureau. Since it has been more than 90 days of my request for validation of the collections, I am demanding the removal of these two collections from my report by Experian.
Product: Debt collection

My child was seen at a hospital XXXX  XXXX XXXX XXXX in XXXX he was seen numerous times before. My son had insurance XXXX and I have proof that he was insured. The hospital did not bill his insurance even after I called with information when they tried to bill me privately. Instead they sold my information to bill collectors and did not resolve. I have disputed multiple companies that are trying to collect this charge and now I have two companies on my report for the same thing. This should have been dropped from my report. I should have filed a grievance thru my insurance and maybe they would have been forced to bill my sons insurance and therefore I wouldnt be dealing with harassment from XXXX agency XXXX XXXX  XXXX. COMMONWEALTH FINANCIAL OPENED TWO COLLECTIONS AGAINST ME.
Product: Debt collection

In response to an ad for a free initial evaluation and XXXX, I went to XXXX XXXX on or about XX/XX/17. I received the initial evaluation and XXXX were taken. At several times during my visit, I asked to confirm that what they were doing was free of charge and was told every time that the initial evaluation and XXXX were free. I was then given an estimate for dental work needed. Since I could not get financing for {$7500.00}, no further appointments were scheduled. 
When I received an invoice from XXXX XXXX, I responded with a dispute letter and explained what I noted above. I received another invoice from XXXX XXXX. I called their office and was told that was my deductible. They did not care that it was advertised as a FREE initial evaluation. I have called, left messages and written letters. I have received no response from XXXX XXXX. 
I then started receiving invoices from Computer Credit Inc. I responded to the first one with a dispute letter stating again that I was told the evaluation was supposed tone FREE. I have since received three more invoices from Computer Credit.
Product: Money transfer, virtual currency, or money service

I was a consumer of the XXXX XXXX XXXX. I was issued a check attached to an informal letter with a very generic letterhead. My family and I had concerns about the validity of the check and deep concerns with depositing the check with my financial institution. The check was never deposited or cashed. I wish to have the check reissued in order to claim the redress pursuant to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). Case No. XXXX. 

I attempted to resolve the matter by speaking with the company at the following telephone number : XXXX. This number is different from the number list on the letter. Some research was required to find a valid telephone number. Once a number was located ( XXXX ), I first explained the issue to a young lady that explained that a supervisor will contact me. A follow-up telephone call was not received as promised. I contacted the company again and spoke to a male who identified himself as XXXX. XXXX simply stated that no more checks will be issued or reissued.
Product: Checking or savings account

On XX/XX/2023 I went to my local Citibank atm in XXXX California to deposit {$2000.00} cash into my savings account via atm and the machine broke down and didnt deposit my money in my account. Citibank only credited me {$100.00} after the investigation. I want my money back.
Product: Credit card or prepaid card

Thank you in advance for your help. 
On XX/XX/XXXX, when I attempted to withdraw cash from ATM, I noticed there was {$4000.00} discrepancy in my balance on my Pennsylvania US Bank Reliacard, which was issued to me in XXXX when I applied for Unemployment. 
I immediately called US Bank to report this. I was told there were 2 unauthorized fraudulent transactions of {$2000.00}, electronically transferred from this card to a personal checking account, which was obviously not done by me. I was told a fraud investigation would start immediately. 
I was told the card would be inactivated immediately, and it was. 
A new card was sent to me ( {$15.00} charged to me to have it send overnight ) I activated the new card, which was used just a few times. 
A few days later, I received a letter in the mail from USBankReliacard. It said " Thank you for the change of address. It has been updated in our records '' I have NEVER changed my address. I have been living here since XX/XX/XXXX. When I called them, I was told " Don't worry about that letter, it is computer generated, means nothing ''. 
Shortly thereafter, I went to use my card, and it was declined. I called them again, and was told " A red flag was placed on your new card, the money on the card is on hold '' When I asked why, I was told " due to the address change ''. 
I have been calling them daily, have faxed numerous documents to them several times. These documents include Drivers License, W2, pay stubs, etc. They have received everything they asked for, verified on the phone with me. 
As of this date, XX/XX/XXXX, this money is still on hold. 
Every time I call, I get a different person on the phone, with different instructions, different fax #, different stories. 
I spend countless hours just trying to resolve the hold on the money. They also hang up on me, without even speaking to me, due to the extreme amount of calls they are getting. 
I was told that there are 12,000 cards on hold right now, just in PA, due to the amount of fraud that is going on! 
Please help me as soon as you can. I have no money at all. I am sure there are many, many other people in the same situation. It is very sad. I am unable to pay any bills, such as rent, car payment, car insurance, utilities, etc. 
I do realize the fraud investigation can take up to 45 days. When I talk to Customer Service, I am told that is a separate issue. I was also told that I would receive updates concerning the investigation, and have not received anything.
Product: Credit reporting or other personal consumer reports

About a year ago my personal data appeared on the dark web due to a data breach with my health insurance exchange. I placed a fraud alert on my credit at XXXX and contacted all three credit bureaus to also freeze my credit. I had no problem with XXXX and XXXX it takes LITERALLY under a minute to check whether your credit is frozen at either of those two ( try it! ) but Experians website wouldnt allow me to freeze my credit. It gave me an error message every time I tried to log in. I contacted their customer support and every human being I spoke to said they couldnt help me and redirected me to someone else who said the same thing. I finally got someone who would place a freeze on my credit again, this is something that the other credit unions allow consumers to do in less than a minute on their websites. In late XXXX of this year, probably around XX/XX/XXXX, I wanted to lift the freeze in order to do a background check for a job. I again was easily able to lift the freeze at XXXX and XXXX and once again the Experian website would not let me log in or otherwise check the status of the freeze. I once again called their customer support and once again got the ring around the XXXX until I finally got to a human being who said there was no freeze on my credit after all! This is terrifying given that all my personal information is on the dark web and Id been walking around without my credit frozen for almost a year. I had to wait to re freeze it anyway for this background check, so I waited until the employer finished their due diligence and now Im eager to get my credit frozen again. ONCE AGAIN, I cant log into Experians website. Once again, I find myself tangled in Experian customer support endless web of automated menus. I cant just call and verify my identity ; it forces me to verify my identity and then for whatever reason I have to talk to a customer service rep before I can freeze my credit. This is an enormous waste of time. I finally talked to someone who said that my credit has in fact been frozen since XX/XX/year>, which makes no sense because the entire point of my call in XXXX was for me to tell them to LIFT the freeze. Experian is one of three credit bureaus that were held hostage by. I cant just freeze my credit at one agency ; it has to be all three. When my personal identity and financial security is in the hands of a company that has neither a properly functioning website nor competent customer service, I am completely defenseless to attempts to steal my identity. I dont understand how Experian is one of three agencies that were required BY LAW to be reported by when they can not perform the most basic tasks like freezing my credit or letting me log in to my profile.
Product: Debt collection

XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Debt Validation Request ( ACCOUNT # XXXX ) Dear : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency. Stating I owe {$220.00} on account XXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C $ 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of this debt 2. The name and address of the original creditor 3. The date of the last payment 4. The date of the default 5. A copy of the original contract or agreement 6. A detailed accounting of all Fees and interest added to the dept.

7. Proof that the statute of limitations has not expired. 

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 

Please note that I am not admitting to owing this debt and am only seeking validation of the debt as requested by law. 

Sincerely, XXXX XXXX XXXX