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

Express and Comenity Bank has to be one of the shadiest companies in existence I used the card once to ensure I was using it I purchased one shirt i paid off said shirt same month which was months ago.

I paid this using certified funds debit card on a recorded line with a live agent they stated they were having system issues and it needed to be applied manually I uploaded proof of payment 4+ times and spoke to countless supervisors all of whom stated they were zeroing out account They charged me interest and {$90.00} in late fees for {$36.00} transaction predatory tactics they waived these like they were doing me a favor they said UM no you were trying to rip me off and its predatory so you waived They have added the same {$90.00} in late fees and even more interest since such time they said they resolved this months ago they slashed my credit citing missed payment which was also to be fixed not only did I not miss a payment you scam artists I paid early and it was a whopping {$36.00} I assure I did not miss and this has been verified over 20 times in the last 6 months I was absolutely appalled when I randomly logged in to see if they restored my credit limit for the holidays I was thinking of using and not only did they not as advised they have yet to XXXX this out as stated in XXXX XXXX XXXX XXXX XXXX They even advised if I filed a grievance I might be subject to account closure what kind of mafia style bank is this I have countless accounts with you never once late you disgust me Seriously? You charged {$210.00} for {$36.00} paid over 5 months ago and repeatedly stated that this zeroed out and no payment due you have already advised countless times no payment due this is your absolute error and system issues
Product: Credit reporting or other personal consumer reports

I was advised in XXXX  by XXXX that someone had filed a Income tax report requesting a credit using my name and s.s. number. I filed the form XXXX Identify Theft Affidavit with the IRS and now get a new pin number each year. 
My Expreian credit report shows an address that is not and has never been mine ; S.Carolina # XXXX, XXXX, SC XXXX. My credit report is locked. I asked Experian to remove this false address from my report and they requested that I contact the FTC to begin a removal process. The FTC web page directed me to CFPB. 
Experian also advised that this address had been used in XX/XX/year> for application to XXXX XXXX for a credit card that was approved with a credit limit of {$500.00} but has not been used. Experian also asked that I contact XXXX XXXX after processing this request for help and submit your response to XXXX XXXX to inform them that the request for a credit card was fraudulent.
Product: Debt collection

Account Name : XXXX Account # : XXXX, XXXX, & XXXX Dispute Reason : Inaccuracy, do not own, asked for verification was not received Dispute Instructions : Please delete immediately Account Name : Bounce AI inc Account # : XXXX Dispute Reason : lack verification of debt, inaccuracies, do not own Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX & XXXX Please delete all of this immediately Under the Fair Credit Reporting Act, 15 USC 1681G I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 USC 1681i all unverified accounts must be promptly deleted.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally lodge a complaint against XXXX regarding an unresolved issue with a travel reservation booked through XXXX XXXX on XX/XX/year> for {$1300.00}. I apologize for the delay in filing this complaint ; I was not initially aware of the appropriate agency to address this matter and believed I had no recourse but to pay the balance and endure the issue. Recently, I learned that the Consumer Financial Protection Bureau ( CFPB ) might be able to assist me. 

Here is the context of my complaint : I contacted both XXXX and XXXX XXXX concerning a reservation I made for a stay at a resort in XXXX. The reservation included several advertised amenities that were not provided upon my arrival. Specifically, the room I opted for was not the room I received, and several other amenities that were advertised were also missing, and numerous other concerns and incidents transpired every day of my stay. 

During my stay and on the day of checkout, I attempted to express my concerns to the hotel staff. Unfortunately, nothing was resolved despite my efforts. I was placed in several unsatisfactory rooms, turning what was supposed to be a relaxing vacation into a nightmare. I was extremely disappointed given the substantial amount of money I spent on this trip. 

Furthermore, when I tried to reach out to the hotel manager to address these issues, she became verbally abusive, yelling and screaming at me as I shared my concerns. Initially, she promised to refund half of my stay, but she later reneged on that promise. Instead, she offered me a free upgrade for my entire stay if I chose to return, which I declined. 

Following these incidents, I reached out to XXXX to seek compensation for at least half of my stay. However, XXXX was dismissive and provided no assistance in resolving the matter. 

I am now reaching out to the CFPB for assistance in this matter. I am currently being forced to pay a credit card bill for services that were neither provided as detailed nor delivered with the appropriate level of respect, safety, and propriety. I seek your intervention to address this issue and ensure that I receive fair treatment and appropriate compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with Capital One. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX XXXXXXXX The account is reported as Past due {$1100.00}
Product: Credit card or prepaid card

Several months ago received a letter that spending amount on the account had been decreased. Was surprise but said OK. This month, received a letter dated XX/XX/21 stating the account had been closed. When I called to inquire as to why, I was quoted the letter which lists several reasons that the account could have been closed but not the specific reason. I was told that credit card companies check with the credit bureaus for all of their card holders every few months and if they believe the account holder credit isn't good enough they will cancel the account. The payments on this account has never been late because they are automatic ... and the account is paid over the minimum payment amount. 

My daughter suggested to me that perhaps the company is about to go bankrupt and are closing accounts so that the accounts can be written off. 

Due to COVID, part of my monthly salary has been reduced ( and I did have to open a medical credit card which has nothing to do this account ) ; but as I mentioned, this account has never been late. The closure of this account has reduced my credit score.
Product: Credit reporting or other personal consumer reports

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Debt collection

Hello, this is a very old debt that originated with XXXX XXXX. When I opened the account with XXXX XXXX, I opted for their payment protection plan. In XX/XX/XXXX, my business completely tanked and I could not afford to make payments, so I requested that the payment protection plan I paid for be used. 

XXXX XXXX did not apply this to my account because they started an extremely aggressive collection effort which was, for all intents and purposes, an assault on my phone. They called constantly from morning to night using different numbers and demanded that I give them a debit card number for a payment plan. The people that called were possibly in XXXX and using robot dial machines located in XXXX and other small, obscure cities through out Georgia. 

Apparently, at some point within the last year or so, XXXX XXXX sold the debt to XXXX XXXX. Now XXXX XXXX is taking the helm with a constant barrage of emails and phone calls. Many of the emails are peppered with threats of legal action. I also have a recent voicemail from them threatening legal action. 

The amount of the debt XXXX XXXX states in their emails is {$1400.00} and they say it is owed to a company called XXXX XXXX. The emails come from many different screen names. In the emails, XXXX XXXX is listed as the origin of the debt. This activity does not show up on my credit report. 

What does show up on my credit report is a collections action started in XX/XX/XXXX by XXXX XXXX for the amount of {$1100.00}. They list XXXX XXXX as the origin of the debt. 

I am also disputing this with the credit bureaus via XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a HazMat endorsement on my license and was waiting about six months and never received it. I went to the DMV to  inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. The first one that I recall is approximately around the time where this vehicle was allegedly late for the first time that I was made aware of. I used a third-party service to authorize automatic payments for this vehicle and they were not transferred to Santander Consumer USA because they had been diverted elsewhere. I was not aware of any problem until I received a written notice in the mail that I was to hand over the vehicle that I had bought through them. I told them of the issue and that I would catch the payments up and find out what had happened to the payments that I made through the third party service on my own time. They said that they understood and that it would not be a problem and they would not report me as late on these issues. Within approximately six weeks all of the payments have been caught up and I thought nothing of this issue until I saw my credit report recently. In regards to the recent supposed late payments I suffered an injury and could not work on the job that I had at that time. I called them and told them I would make partial payments until all of the balance was XXXX which is what I did. Yet again I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the Metro 2 reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I grant authorization for you to send physical documentation of your actions and an updated credit report. 

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a criminal offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported item ( s ) of : Your agency is in violation! 
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: Prepaid card

Recently I stayed at a hotel in XXXX XXXX. The hotel generated XXXX authorizations from the American Express Serve Card, XXXX for {$310.00}, XXXX for {$90.00}, XXXX for {$180.00}, and XXXX for {$23.00}. Upon settlement with the hotel, I was billed XXXX for the XXXX authorization and XXXX for the XXXX authorization, which left a XXXX balance with the hotel. The XXXX authorization and the XXXX authorization remain on my Serve account, which went into a negative balance. After a direct deposit was processed XXXX dollars of my money is inaccessible. 
After contacting the hotel, the hotel contacted their third party credit card processor, XXXX and XXXX XXXX. The third party processors had no record of the remaining pending authorizations, they were cleared from their system after the hotel was paid in full. 
American Express Serve, however, continues to hold the money, and states that they can not remove the authorizations manually. American Express Serve also states that these " orphaned '' authorizations will drop off systematically after 30 calendar days. 
The hotel has contacted American Express and requested that they clear the authorizations, which American Express stated they did. Yet, the Serve account still shows the holds in place. 
American Express Serve states that they are powerless to rectify the circumstance, and that I will just have to wait until XX/XX/XXXX to regain access to my money.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted a complaint # XXXX to American Express XXXX I was having trouble using their gift card. So, XXXX XXXX of the Customer Advocate Services Team agreed to deactivate my gift card and issue me a check for the card 's balance ( {$6.00} ). 

Unfortunately, the check arrived on XX/XX/XXXX, and the check was to the order of " XXXX XXXX. '' My name is XXXX XXXX and the letter I received from XXXX XXXX used my correct name. But the name on the check was XXXX XXXX and the bank declined to cash the check. 

Therefore, I am seeking {$6.00} in check issued to " XXXX XXXX '' so I can actually redeem it. I am tired of having to chase down American Express for their own inadequacies and if this check is not issued in a way that I am able to redeem it at the bank, I will have to elevate this complaint to the next level. I am extremely disappointed with this.
Product: Checking or savings account

Subject : Formal Complaint Against SoFi for Unresolved Transaction Dispute Dear CFPB, I am writing to formally file a complaint against SoFi regarding their failure to resolve a dispute concerning transactions on my account. My initial dispute was submitted on XX/XX/scrub> 2024, and despite multiple follow-ups, the bank has not provided any valid information or meaningful updates. 

The transactions in question were acknowledged by the merchant, XXXX XXXX, as erroneous, and they advised me to seek resolution through my bank due to their system limitations. I have provided all necessary documentation to SoFi, including emails from XXXX XXXX  confirming that the transactions were due for refunds. 

However, XXXX has failed to take appropriate action or communicate effectively regarding the status of my dispute, which should have been resolved by XX/XX/year>2024. This has caused significant inconvenience and financial hardship. 

I request the CFPBs assistance in resolving this matter promptly. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought my car back in 2019 for us autosales. They went bankrupt last year and sold my information to Westlake Finance who is a debt collector. And Im still paying on my car out of fear of them repossession it. And Westlake is not my lien holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user ( NOT FINANCIALLY RESPONSIBLE ) on the following negative accounts that are illegally impacting my credit negatively : 1. XXXX XXXX XXXX on XXXX 2. XXXX XXXX  on XXXX and Equifax 3. XXXX XXXX on Equifax 4. XXXX XXXX XXXX on Equifax
Product: Vehicle loan or lease

To Whom It May Concern May I please request your help. I VOLUNTARILY surrendered a vehicle leased by Regional Acceptance Corporation. When I negotiated the surrender of the vehicle, I did so based on many conversations with the company. The car in the first place was sold to be by an illegitimate dealership that was shut down by the City of XXXX  XXXX WI, for illegal actions. Furthermore the vehicle started to break down constantly and was costing me thousands of dollars for major maintenance. I finally turned in the car with the understanding that the car was voluntarily surrendered and that after auction of the vehicle I would be able to arrange a payment structure with Regional Acceptance Corporation, to not have my personal credit damaged. None of what I was promised has come to be of help. The car was sold with an outstanding balance of {$12000.00} I have tried to make contact with the company to set up payment arrangements. I have spent hours calling and being sent from department to department, to no avail. I have left messages and no one returns a telephone call. Now I have been alerted by all three credit bureaus that the company has reported me as an INVOLUNTARY SURRENDER and a CHARGE-OFF. This along with 120+ days of late payments has destroyed my credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint regarding a recent transaction and subsequent issues I have encountered with your service. 

On XX/XX/year>, I attempted to send a remittance to my own account in XXXX, under the reference number XXXX. After charging me for this transaction, it was unexpectedly canceled almost immediately. 

Furthermore, I received a concerning request to provide a picture of my full card number, including the XXXX, to an unsecured email address. This request is not only alarming but also raises serious concerns about the security of my personal and financial information. 

To date, I have not received a refund for the canceled transaction, and my request to terminate my account has gone unanswered. This lack of communication and resolution is unacceptable.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACURATE ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY TRASUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report on the XXXX of XX/XX/year> and discovered there were a few inaccuracies being reported. There's a bankruptcy with a court in XXXX XXXX. I would like to know if your credit bureau reports bankruptcies to a person 's credit file and if not then who is responsible for illegally reporting this bankruptcy to my file?
Product: Debt collection

Consumer Collection MN is falsely reporting on my credit reports and its stopping me from obtaining credit. Account # XXXX / XXXX / XXXX in the amount of {$190.00}, {$90.00}, {$200.00}, {$100.00}, {$230.00}, {$70.00}, {$970.00}, {$180.00}, {$280.00}, {$110.00} * Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is  perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

The Maxim of Law - Silence Equates to Acquiescence ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my Driver license and SS card to transunion and disputed my name several times. XXXX and XXXX have been but Transunion is not doing their job. My Name is XXXX XXXX NOT XXXX XXXX. my ssn is XXXX NOT XXXX 
what in the XXXX do i have to do to get them to make these changes.My driver license and SS card should be enough proof to change this. I want this change Now with Transunion