23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint regarding my recent experience at the XXXX XXXX XXXX and the subsequent mishandling of my chargeback dispute by Citibank. 

Summary of the Incident : I booked a stay at the XXXX XXXX XXXX from XX/XX/year>, to XX/XX/year>, for a family of XXXX adults and XXXX children. I paid {$3800.00} for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX package, which promised butler service, a guaranteed ocean view, and other luxury amenities. However, upon arrival, I found that the services were severely misrepresented. 

The ocean view was barely visible from the balcony and only if I stood in a corner, which was not as advertised. 
The butler service was supposed to be available from sunrise to sunset but was only available from XXXX am to XXXX pm, and did not assist with any reservations or requests made. 
The room lacked robes and slippers as advertised, and I had to call for them. 
The air conditioning was ineffective throughout the resort, particularly in restaurants and public areas, which made dining an unbearable experience. 
The food quality was subpar, and I received no special treatment at the resort 's spaonly general discounts, contrary to what was promised for XXXX XXXX members. 
After experiencing these issues, I immediately attempted to cancel my stay. The resort staff, particularly an employee named " XXXX, '' refused my request, stating that refunds were not possible and that the 48-hour cancellation policy only applied before check-in. 

In light of these significant discrepancies between the services promised and what was actually provided, I initiated a chargeback dispute with Citibank, hoping to recover the funds paid for a fraudulent experience. Citibank, however, declined my request, citing the reason that my dispute related to inconvenience due to the quality of services provided. This explanation is insufficient as it fails to recognize the underlying fraud caused by the resort 's misrepresentation of the advertised services and amenities. 

Despite my efforts to resolve this with the resort and the bank, I found myself trapped with no recourse, as the resort refused to cancel the booking or allow me to leave without incurring further charges. I was essentially held hostage at the resort with no option to pursue a reasonable alternative. 

Request for Resolution : I am requesting the CFPB 's assistance in addressing the following issues : Fraudulent misrepresentation by XXXX XXXX XXXX regarding the amenities and services provided. 
Citibank 's refusal to acknowledge the nature of my dispute as one of fraud, not merely inconvenience. 
Resolution of the chargeback, including the reversal of the payment made to XXXX XXXX XXXX for services that were not rendered as promised. 
This experience has caused significant financial XXXX and XXXX  discomfort for my family. I seek a full refund for the services that were misrepresented, as well as the reversal of any additional charges related to the stay. 

Please contact me if you require further details or documentation to process my complaint. Thank you for your attention to this matter. 

Sincerely,
Product: Checking or savings account

Between XXXXXXXX XXXX XXXX XXXX someone had stolen my debit card and used it multiple times a day, even in different states. I reached out to Wells Fargo on MULTIPLE times now, only to keep getting push back saying that it was done by someone I gave permission to. I filed a police report and the XXXX Police department also received push back from Wells Fargo. The most recent letter from Wells Fargo states that they did not have any record of the about XXXX Police department trying to reach out to them. I am now attaching the FULL report from XXXX Police showing the numerous times they tried to reach out and even receive video footage from the ATMs. You will be able to see Wells Fargo lack of helping in the fraud is criminal and they blatantly continue to disregard the severity of their actions.
Product: Checking or savings account

I went to Bank of America to make a deposit in my sisters account for {$800.00} cash. The bank said I can't deposit cash I only can deposit a money order or check. This happened on XX/XX/2022 They also wouldn't sell me a money order. My sister gave me her account information for me to make the deposit. She called Bank of America and they told her all Bank of America does not except cash.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, AND XXXX XXXX XXXX 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 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 21 days before the payment due date. 

XXXX XXXX, XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days 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

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

Please note : I requested to receive a record of my XXXX statements to which Comenity declined. They said they can provide only statements from XXXX, XXXX, XX/XX/XXXX. This does not cover the window of fraud. 
Secondary note : I have been unable to access my account since XXXX, which is when the fraud began to occur. A class action has already been initiated for Comenity blocking access to your online account in XXXX, causing people the inability to make payments on time or see their accurate account information. This timeline lines up with my reported concern with the company. 


Disputing an XXXX XXXX XXXX credit card, owned by Comenity bank. 

Card opened XX/XX/XXXX XX/XX/XXXX - Full balance of {$220.00} was paid to the card. {$220.00} was the amount my statement/login showed as being the full balance due Following paying full balance, I did not use the card any more in the store, and therefore did not check my statements. 

Sometime in XXXX they added an fraudulent {$3.00} fee to my card *after it was fully paid offXXXX XXXX they then charged interest on the {$3.00} charge, now my balance is {$8.00} XXXX, now my balance is {$17.00} ( keep in mind, I have not used this card at all ) XXXX Now my balance is {$35.00} In XXXX I get a notification in my credit reporting that I have an account XXXX days past due. This was a shock to me as I paid off this account in full. My credit score drops XXXX points. 

In XXXX I told the comenity rep to CLOSE my account, he confirmed he closed it. To this date, the account is still open. 

I disputed all of this plus the derogatory late payments but it does not seem that I won the dispute. 

I have not used the card since the start of XXXX. On XX/XX/XXXX, I get another notification to my credit report that I've got an update from this account, and my score is down ANOTHER XXXX points. They are re-reporting the " late '' payments again, and now my account is being hit twice. 

Comenity claims my account shows no money owed, and no late payments. They allege my account shows the XXXX late markings were also removed from my account. 

This company is 1 ) fraudulently adding fees to customer 's accounts who have fully paid off their balance and then using these fake fees to collect interest and late fees on these fraudulent charges 2 ) Reporting late payments to credit bureaus and ruining people 's credits. 

When I call to inquire, the company 1 ) wont provide me my statements, 2 ) wont fix the reporting at the credit bureaus, 3 ) typically hangs up on me mid-call XXXX Has a current alert open for Comenity for the same issue I have experienced. Business has failed to respond : https : XXXX There are almost XXXX reviews, many reporting a similar scam : https : XXXX You will find dozens of other people reporting the same fake charges after they paid off their balance on the FB page : https : XXXX? XXXX & XXXX & XXXX & notif_t=comment_mention & ref=notif
Product: Debt collection

Portfolio Recovery Collection Agency Used unfair collection practices in violation of the fair credit protection act by trying to make me pay more after their third party representation know as XXXX XXXX XXXX, XXXX. in the state of Georgia settled in full the case for a one full settlement payment of {$460.00} with a settlement letter sent to me. Later Portfolio reported a balance of {$150.00} on my credit report and did not report my account paid and settle to close the collection account. I am being defrauded here and this is unfair collection practices. thanks
Product: Debt collection

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : Fraudulent Accounts : Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX Account Name : XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX Account Name : XXXX XXXX  When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX Account Name : XXXX XXXX XXXX XXXX - When Account Was Open : XX/XX/XXXX Amount : {$XXXX} Accoount Number : XXXX
Product: Debt collection

I received a letter DATED XX/XX/2022 stating I had services at XXXX XXXX XXXX {$920.00}, but the letter came in very recently. 

I do not make many larger transactions, I have owned my car outright for over 3 years and do all maintenance personally, and I have never heard of XXXX XXXX  

It states I must write within 30 days or they will assume their information is correct. I do not wish to contact the company as I know this claim is false. I researched the company and all the reviews were stating they had a similar experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed Vice President XXXX XXXX at Goldenoak Lending for him to explain the process of obtaining a home equity line of credit. He pulls my credit without my consent and now i have a ding on my credit report because of it and not once did i ever give him permission to pull my credit. I simply asked how the process worked. Hes tried to cover his tracks by telling me oh it doesn't hurt my credit for that type of stuff but when you look at the credit report, a mortgage inquiry is very high risk on experian. i told his company what happened in a support chat and all the said what sorry for the misunderstanding. This is extremely unprofessional and i believe they should be able to get this removed off of my credit report.
Product: Credit reporting or other personal consumer reports

Request to Update Public Records Dear LexisNexis Risk Solutions Consumer Center Support Team, I am reaching out to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated to ensure my profile remains accurate and up to date. 

Details to Update : Phone Number : XXXX For your reference, I have included proof of identity along with documentation confirming my current phone number. If you require any additional information or further documentation to process this request, please do not hesitate to let me know. 

I would appreciate it if this update could be completed at your earliest convenience. Once the update has been made, I kindly request confirmation that my records have been updated. 

Thank you for your time and assistance. If you have any questions or need further clarification, you can contact me at XXXX or via email at XXXX. 

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

Hello, I am writing to file a dispute regarding the inaccurate information being reported on my credit report by XXXX XXXX, account number XXXX. 

The Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, 611, 623, and 628, requires furnishers of information to consumer reporting agencies to provide accurate and complete information. However, XXXX XXXX has violated these provisions by inaccurately reporting my monthly payment balances to XXXX and XXXX, while Equifax reports a different balance. Furthermore, XXXX reports that the account terms are revolving, while Equifax reports that the payment is due monthly. XXXX, on the other hand, did not report the account at all. 

I was shocked to discover that all three credit bureaus reported that I was 30 days late on XX/XX/XXXX and XX/XX/XXXX, when in fact, I made all payments on time. This erroneous reporting has had a significant impact on my credit score and has made it difficult for me to obtain credit and loans. 

XXXX XXXX with account number XXXX. The information being reported is not only false but is also having a detrimental impact on my life. 

According to XXXX and XXXX, my payment status on this account is charge off, yet I have never received any notification from XXXX XXXX regarding this charge off account, nor have they provided me with any paperwork related to it. This violation of Section 609 of the Fair Credit Reporting Act ( FCRA ) has caused significant distress and anxiety, as it has left me in the dark about the state of my finances and the potential consequences of this charge off status. 

Furthermore, XXXX is reporting a high credit balance of {$1500.00}, whereas XXXX did not report this information at all. In addition, XXXX is reporting the Date Last Active as XXXX, whereas XXXX is reporting it as XX/XX/XXXX. These inconsistencies violate Section 607 and Section 623 of the FCRA, respectively. 

This false and incomplete information is having a negative impact on my credit score, making it difficult for me to access credit and causing me undue stress and hardship. It is affecting my ability to secure a loan for a much-needed home renovation project, which is crucial for my family 's safety and well-being. 

I urge you to enforce the legal protections provided by the FCRA and ensure that XXXX XXXX provides accurate and complete information to all three credit reporting agencies. Additionally, I request that these unverified accounts be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, I looked at my Experian, credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not can not find any permissible purpose under this section that justifies their presence on my report, DELETE ACCOUNT XXXX XXXX XXXX AND XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE'NT RECEIVE ANY INVESTIGATION RESULTS.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Experian : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above.

Written confirmation of the correction from Experian.

If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary.

I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My issue is with Synchrony Networks Bank they charged off an account in XXXX. Issued me a 1099c in XXXX stating I am no longer liable for the debt and that its been cancelled. They still keep reporting to the the credit agencies that I still owe on this account and refuse to allow me to pay off the balance. They told me I dont owe any money but they still wont stop reporting to the credit agencies. I have documentation from the creditor stating the debt cancellation but it hasnt been helpful whenever I dispute this account because they continue to report to the credit bureaus inaccurate information. I would like for this account to be updated to XXXX  balance for all three credit agencies and Id like for my creditor to stop reporting on this account. I no longer owe anything to this company. Ive tried to pay and settle and I was denied because the account has been forgiven.
Product: Money transfer, virtual currency, or money service

I was using PayPal for many years. However, last summer, PayPal decided to put restrictions on my account as it pertained to sending and receiving money, as well as depositing the money into PayPal. I was not given a specific reason as to why this occurred, and tried to speak with the company on multiple occasions, to no avail. Their customer service either did not pick up the phone, and when they did, they were not helpful with their replies. I also emailed multiple times and no luck.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist - Credit Reporting Issue Dear LVNV I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with LVNV with accounts number XXXX XXXX I believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. 

Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. Please provide written confirmation of your findings within 30 days. 

Failure to comply with this request may result in further action to protect my rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX