23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I booked a hotel stay from XXXX and financed it through XXXX XXXX the manager at the hotel named XXXX charged my credit card with no permission two weeks later I contacted the hotel chain no help I contacted XXXX they called hotel and claimed I was there those days on two occasions I called XXXX  XXXX to let them know I was a victim of identity theft and I filed a report with the FTC and sent them a copy no help from them I had paid XXXX XXXX XXXX while under investigation to keep any bad marks off my credit report this problem was 4 months old and no results because XXXX keeps appealing the dispute so I filed a claim with my bank and they got my money back, I payed twice once from my bank and once from a credit card. XXXX sent a notice and I told them I was a victim of Identity theft, and they can't add this to my credit report, they added the charge off to my Experian report I disputed it Experian says it stays on report they even have the FTC report the only thing I can think at this point is because they are the cause of letting charge off show on report I even contacted XXXX  XXXX  and explained what happened and I could send the FTC report and got no answer. just to recap my damages I payed XXXX XXXX times I was also charged a week of parking when i only stayed one night not a week my bank got XXXX back for me the rest is outstanding I can't rent a place to stay or they want double deposit I have been turned down for auto refinance a personal loan all because of XXXX  XXXX they sent an email to boast about what they did I have all receipts and FTC report and emails to prove I was checked out of hotel I stayed at another for two weeks straight
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the persistent late open accounts appearing on my credit report. Despite my repeated attempts to rectify this situation, the inaccurate information remains on my credit file, negatively impacting my creditworthiness. This situation is in violation of the Fair Credit Reporting Act, and I am seeking immediate resolution. 

To provide you with a comprehensive overview of the issue and the actions I have taken to address it : I discovered that there are late open accounts listed on my credit report that I believe to be inaccurately reported. 

I promptly filed a dispute with your agency on [ Date ] to challenge the accuracy of these late open accounts. I provided all necessary documentation and evidence to support my claim. 

After the initial dispute, I requested a reinvestigation on [ Date ] as I believed the late open accounts were not adequately addressed during the initial dispute process. 

I have made numerous attempts to follow up on the status of my dispute through letters, emails, and phone calls to your agency. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act obliges credit reporting agencies to conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, this dispute has not been resolved within the required time frame, which constitutes a breach of my consumer rights. 

Initiate a thorough and prompt investigation into the late open accounts appearing on my credit report as mandated by law. 

Furnish me with a written response detailing the results of your investigation, including any corrective actions taken to rectify the inaccuracies. 

If it is determined that the late open accounts are indeed reported inaccurately, I insist on their swift removal from my credit report. 

Ensure that your agency complies with all pertinent laws and regulations, including the Fair Credit Reporting Act. I am asking for your immediate assistance to correct the accounts : XXXX XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX : {$49000.00}.
Product: Vehicle loan or lease

Credit Acceptance place the loan in a temporary forbearance due to COVID. Once the forbearance period was over the creditor placed the entire past due amount on my credit report as of XX/XX/2021 which is {$4300.00} I would like to file a complaint against Credit Acceptance and request some type of payment agreement or place past due amount on the back end of my loan
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. 


XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I purchased XXXX ethereum at the price of {$190.00} each, with a total of {$780.00} including {$11.00} fee. I made this purchase on XX/XX/XXXX at XXXX PDT and the confirmation E-mail i received stated I 'll receive the XXXX ethereum on " Your ethereum will arrive by the end of day on XX/XX/XXXX XXXX. '' It 's XX/XX/XXXX now and I still have n't receive them. I 've been E-mailing to Coinbase support for the past week and no reply at all. 
My E-mail to my coinbase account is XXXXXXXXXXXX
Product: Credit card

I have AMEX XXXX  Credit card since XXXX, I got free XXXX XXXX  membership to access the global lounges XXXX times a year. It was always XXXX of the best benefits of this credit card, and that is the reason I kept using it and paying the annual fee. 

I planned a family trip to stop over in XXXX XXXX, XXXX family members with me, including my XXXX XXXX XXXX son and XXXX XXXX XXXX mother. On XX/XX/XXXX, at XXXX local time in XXXX XXXX XXXX XXXX we were blocked at foyer since my XXXX XXXX was cancelled. 

I called AMEX with XXXX XXXX  cost since the local AMEX XXXX  was closed during mid night, I asked the agent to help me on the issue, the call was transferred among few agents in AMEX US, they told me AMEX dropped the benefit in XX/XX/XXXX, but I never got to know the change. They told me it was in one of the statements in later last year. Usually, when should we check the statement, only when we found something is wrong with the bills. 

I am able read the bills and expense items on AMEX App on my phone every month, not always got the chance to check the detail statement by bothering to log on my PC. And the information of the XXXX XXXX benefit update was there with such small fonts, it is very hard to be noticed. 

On XXXX XX/XX/XXXX, I even got an email from Priority Pass with AMEX logo on the top, in that email, it was stated that Priority Pass is still the benefit of AMEX credit card. So I believed that my AMEX surprise credit card still had the benefit available as well. Please see the attachment in the complaint. 

I got so many emails from AMEX/Priority Pass about the changes, privacy updates etc, but why I didn't get such important about the benefit dropped? AMEX shouldnt take granted that everyone should read the statement every month. 

Without a proper notification from AMEX, it resulted me denied by XXXX XXXXXXXX XXXX XXXX  at XXXX in XXXX XXXX XXXX XXXX family members. The first agent offered my {$50.00} refund of the annual fee, which even couldnt cover XXXX person lounge access. So i refused. He transferred to his supervisor, the worst AMEX agent ( name is XXXX, ID XXXX ), he refused to do anything and also told me that was how the business working in AMEX, only sends emails to the customer if they think its important, and nothing more can be done from AMEX. I asked him why i got email from Priority Pass on XX/XX/XXXX, but my membership canceled after few days, he argued irrationally that at least I was still Priority Pass member before XX/XX/XXXX. 

After wasted about XXXX hours, i had to pay for the lounge access and got my family settle down first in the lounge. 

I have talked to AMEX agent afterwards with online chat, they told me no much they could do, only offered XXXX XXXX Honour points, which is worth about XXXX. 

Please let me know if you need more information from me. Thanks.
Product: Checking or savings account

XX/XX/year>. There is a security problem. My account was opened in the app. before I login to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, We ( spouse ) purchased a vehicle from XXXX XXXX XXXX in XXXX, OH. It was financed through XXXX XXXX XXXX.I paid my loan relatively consistently until early XXXX. During the loan the vehicle was serviced numerous times, although it was under warranty in the beginning, it came to a point that the warranty expired and all repairs were out of pocket. The last time the car stopped on a busy XXXX highway. I had it towed home and could not afford to have it repaired again. It was just in the shop for repairs only 2 months prior to this incident. I called XXXX   and told them to come pickthe car up. I spoke with numerous people XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX just to name a few ... They kept trying to get me to pay even after I told them that I could not afford to continue to pay. they really put on the pressure. After a couple of months pass, I call them again to come pick it up, which they did with no problem. I received a letter shortly after telling me that they have possesson of the vehicle and the date that they would be selling the car in an auction in OH. That date for the sale was XX/XX/XXXX. I received another letter : EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY dated XX/XX/XXXX. It said the car was sold for {$7000.00}, there were costs that totaled {$810.00}. They intentionally left off a credit for GAP insurance. I ( we ) have been checking my credit report since XX/XX/XXXX to see when the amount that I owe XXXX is corrected. It is currently reporting that I ( we ) owe {$16000.00}. I have written XXXX, Experian, XXXX  & XXXX to dispute the amount owed. XXXX is reporting inaccurate information on a credit report, which is against FCRA. On XX/XX/XXXX, I ( we ) spoke with XXXX at XXXX EST at XXXX and questioned her about the incorrect information and the reason we were not credited for GAP insurance, she stated that my account had not been assigned to anyone yet and they could possibly be waiting on an insurance payment. I informed her that they were reporting inaccurate information and she could only say that it has not been assigned to anyone. I asked how long does it take to be assigned to someone and she said she did not know. She also told me that as of today XX/XX/XXXX my balance is now {$9600.00} because of per diem charges. I don't understand how you can charge per diem when you can not give me an accurate amount of what I owe, if you did not credit my account something that should have been credited? I asked if I could enter into an agreement to make lower payments on what I owe and she told me that I could always send in payments, but they can not say the bill has been satisfied until they get a XXXX balance. If I am correct, I ( we ) should have received a notice with the letter dated XXXX, XXXX cancelling the original contract. There has been ample time to correct this with the 3 major credit bureaus.
Product: Debt collection

XXXX XXXX XXXX is trying to collect on a Debt that they have Changed the Date to a Newer Date and they made XXXX Debts into claiming that they is now XXXX Debts. There were only XXXX Debts and they were from XX/XX/XXXX-XX/XX/XXXX and now they claim that there are XXXX Debts and they are the XXXX duplicates.. I called them and told them they were the same Debts and they told me to pay all XXXX of them or they would have me arrested. Contacted XXXX and they claim they are valid, But never did any research on any of the debts or they would have clearly seen they are the same debts and are " re-aged ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent letters to the credit bureaus asking them to investigate errors on our credit report. I am attaching a copy of the letter we sent to them. They are supposed to respond within thirty days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/XXXX requesting my signature or proof proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my three credit reporting agencies without providing validation of debt and the credit reporting agencies are reporting this inaccurate information to future creditors. this is causing injury to my person as i am not able to acquire new credit based on these false invalidated claims.
Product: Credit reporting

I applied for a VA refinance loan with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX. My application was denied because of an INCORRECT report provided to them by Experian XXXX. XXXX XXXX, XXXX, XXXX, XXXX. I had been a ID theft victim in XX/XX/XXXX & notified all XXXX major reporting agencies by certified mail. They also reported that : " serious delinquency and collection has been filed ", which is again incorrect ( I also checked XXXX XXXX! ) because I filed a Chapter XXXX, final on XXXX/XXXX/XXXX. This blatantly WRONG information cost me obtaining a lower interest rate refinance rate! ( I 've been told that a BK should NOT preclude me from a refinance of my original loan! ) Also, I know have discovered that XXXX has been " dropped '' by the XXXX & fined by the FTC? I 'd like EXPERIAN ( the only XXXX of the XXXX major reporting agencies to file a negative report! ) to immediately correct my record! Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Email : XXXXXXXXXXXX, Ph : ( XXXX ) XXXX. Experian & like agencies do not respond to consumers, or can they be FAXED, E mailed. or called to correct same! Note : XXXX XXXX still advertises on TV!
Product: Student loan

I started a payment plan XXXX 2014 that was supposed to prevent my student loan from going into default. They kept asking for large sums of money ( $ 7,000- {$15000.00} ) to start it, changing the amount owed every time I called, telling me to ask my extended family, asking why my husband was n't helping and even making a comment on me not marrying someone rich enough to pay my loans for me. After some back and forth with the XXXX XXXX costumer service I got them to start my plan with just the first payment down, which they accidentally double charged us for. After a year they called again with the same story as in 2014 I needed to pay X amount now or my loan would default and I needed to go on this plan to stop it. After more back and forth with costumer service I got the plan started again. This year, now year 3 they started calling again, this time just to keep payments going. I asked them why I never saw my credit report improve after being on the payment plan so long and they informed me my loan has been indefault since 2014. Navient is the " collection '' agency but over the last 3 years they have charged us ( my mother and I ) through both Navient and XXXX XXXX. My mother and I were told several times in the last 3 years this would prevent default and I am finding out today that they do not offer a program to get you out of default, and my only way out is paying off the loan. Which is {$20000.00} more than when I started and has not gone down at all on this plan due to capitalized interest every year. I have tried everything short of getting a lawyer, which I ca n't afford, to get this under control, so I can repair my credit and buy a home. My school is closed and discredited and I ca n't consolidate this loan.
Product: Checking or savings account

My card was compromised more than once. I contacted my bank ( NAVY FEDERAL CREDIT UNION ) to dispute these unauthorized and fraudulent transactions and no provisional credit was given and Im being told there is no date as to when I will have to wait to get refunded this stolen money.This is unfair to me that I have to wait for provisional credit when my account was compromised. Please make sure that NAVY FEDERAL CREDIT UNION fixs this error and refund me my money immediately as required by law. Thank you in advance.
Product: Checking or savings account

I have checking, saving and investment accounts with XXXX XXXX. I have submitted request to online fund transfer. Their system is keep rejecting my request. When I called them, their staff is not in a positing to find out reason behind that. 
They keep saying that their system is slow. Then they provided me excuse that you have submitted request to change my name. This is also not true. Their system picked up wrong initials of mine and I asked them to change it immediately after opening an account about 6 months back. 
While talking to Customer representative named XXXX, he refused to share any kind of Unique ID or ready to provide me Supervisors name. This was height of shamelessness. 
I feel being kept as hostage as I have to be on the phone with them for prolonged duration and do not get resolution of the same. DOES CFPB restricting banks to share information of representatives so consumers can have traceability? 
This is a classic example of uncontrollable Financial Giants. 
Appreciate your help and quick actions are requested to be taken against bank and their system.
Product: Credit reporting or other personal consumer reports

My Information was breached with the XXXX XXXX XXXX, I did not authorize these Inaccurate Closed Accounts & inquiries please remove these inquiries immiediately.
Product: Credit card or prepaid card

I changed bank accounts, so I updated my autopay online, however the system used my old bank account instead. This happened twice, and when I finally talked to someone, they said that I should turn auto pay off, make a manual payment, and then wait for that to post before setting it up again with my new bank account. Now my autopayments do not increase my available credit for over TWO WEEKS. When I messaged them online about it last month, they said they had to have a conference call with my bank to verify that the payment posted. They finally updated my available credit after I complained last month, but they did the same thing this month. So I called. And they said it was because I had a returned payment in the last year, so that they only way that I can get my available credit adjusted is to have a conference call with my bank. WHAT? It was their system 's fault that I had a return payment, and not only did I have to pay a fee for that, now they won't updated my available credit in a timely manner? The rest of the world can verify payments and post them in at least a couple of business days if not immediately, and the payment is processed out of my bank on my autopay date, but TD can't verify that it isn't returned for TWO WEEKS? What century is your company operating in?
Product: Money transfer, virtual currency, or money service

On or about XX/XX/22, I first applied for a Venmo account. At that point, I provided all of the information requested by Venmo, including personal information that I am cautious about sharing, such as my social security number and banking information. Venmo accepted my application and my Venmo account was opened. I never used, or attempted to use, my Venmo account. On XX/XX/22, only XXXX days later, I received the email below : ( attached ) On several occasions, both by phone and email ( documented ), I contacted Venmo asking for clarification. Venmo has outright refused to provide an answer. Venmo 's only response is to require a digital photo of my driver 's license as proof of my identity. That is not an answer to my question. 

" SPECIFICALLY, WHAT ACTIVITY OCCURRED THAT APPEARED TO BE A VIOLATION OF VENMO 'S USER AGREEMENT? '' I would like to point out that I've researched this and found that this is Venmo 's mode of operation in dealing with many, if not all, of their applicants. I would also like to point out that I have had several credit accounts for which I was never asked to provide a digital driver 's license photo. 

If Venmo does not provide a prompt response, I will be forced to assume : ( XXXX ) that there, in fact, has never been any activity in my account that appeared to be a violation of Venmo 's user agreement, ( XXXX ) therefore, ( a ) the statement made in Venmo 's XX/XX/22 email is false, ( b ) Venmo has intentionally provided me with dishonest information, and ( c ) Venmo is guilty of following dishonest business practices, ( XXXX ) as a dishonest financial institution, Venmo 's true motive to freeze my account and requirea digital photo of my driver 's license, is to collect personally identifiable information for dishonest purposes, including the sale of that information to third parties, who may also be dishonest, ( XXXX ) in light of the above, Venmo should, and must, be dealt with accordingly by the CFPB. 

Thank you for your attention in this matter.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report per 15 USC 16c-2. The hard inquiries listed werent authorized by me and are impacting my credit. Remove any unauthorized inquiries. Thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found a listing by a collection agency by the name of XXXX XXXXXXXX XXXX XXXX 
They are collecting for XXXX XXXX XXXX XXXX XXXX for an amount of {$5600.00} this listing started on XX/XX/year>. 
I called XXXX XXXX billing department on XX/XX/year> and identified myself with name, current address and date of birth and social security number. 
THEY HAVE NO RECORD OF ME AT ALL. NOTHING IN THIER SYSTEM WITH MY SIGNATURE OR SOCIAL SECURITY NUMBER ON IT. 
I called the collection agency XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year> with account number XXXX. 
I spoke to a supervisor and identified myself with my name, current address and date of birth and social security number. 
THEY HAVE NO RECORD OF ME AT ALL. NOTHING IN THIER SYSTEM WITH MY SIGNATURE OR SOCIAL SECURITY NUMBER ON IT. What they have is someone with same name and birth date, no social security number on file but with an address of XXXX XXXX XXXX XXXX XXXX, CA XXXX