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

On or around XX/XX/2020 I booked a flight on Chase 's rewards portal for a flight to XXXX on XX/XX/XXXX and returning XX/XX/XXXX for my wife and I. Cost was {$960.00} paid in XXXX of points. 

On or around XX/XX/2020, Chase informed that the flight had been cancelled and that I would recieve an airline credit. 

On XX/XX/2020 I contacted Chase travel and requested a refund of the points instead of an airline credit. I was told this was against Airline policy. I cited published guidance by the FAA indicating that if the airline cancelled a flight the consumer was entitled to a refund and was not required to take credit. 

Per the FAA : If your flight is cancelled and you choose to cancel your trip as a result, you are entitled to a refund for the unused transportation even for non-refundable tickets. You are also entitled to a refund for any bag fee that you paid, and any extras you may have purchased, such as a seat assignment. 

XXXX XXXX XXXX I asked Chase travel chat about filing a dispute. I asked Chase XXXX chat about a copy of my cardmember agreement and any other dispute resolution procedures. Chase XXXX chat representative was unable to provide any information. Chase XXXX  chat also refused to send a transcript of the chat. Chase XXXX  chat refused to pass my request on to someone else at chase to follow up with me. 

I have pictures of my chat with Chase as needed. As stated, they would not send me a transcript. The file size exceeds what I can upload.
Product: Bank account or service

Accepted Citibank promotion. Deposited {$15000.00} and was to receive {$400.00} bonus on XXXX XXXX, 2016. After several calls, no action, and the bonus amount is still missing from my account. 
Same issue as Complaint ID XXXX This is unconscionable and outrageous.
Product: Debt collection

Sun Loan in XXXX AL was advised on numerous occasions to stop calling my place of employment. They proceeded to do, giving my personal information to a coworker ( same first name as mine ). I escalated this issue to the District Manager and she assured me it would not happen going forward. Once again, this week, an employee contacted the same person in my office and advised her of private information regarding my personal business matter with this company. I attempted to have the office manager at Sun Loan give me a number of the complaint line but she refused and disconnected the call. I called a different office and they gladly provided the information.
Product: Credit reporting or other personal consumer reports

I am writing in response to a letter dated XX/XX/XXXX from XXXX regarding my account ending in XXXX. 

I received form XXXX from XXXX in XX/XX/XXXX for my XXXX tax season/refund. I went ahead and reported it to the IRS as income since the form clearly states in box 2 that {$1500.00} is an amount of debt discharged. 

It's therefore very deceiving that XXXX is indicated in their letter that the debt was not discharged and being reported to the credit bureaus accurately.

Per the IRS website concerning form 199C, it states as follows : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity.

An identifiable event has occurred.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are multiple addresses on my credit report the address is XXXX XXXX XXXX XXXX, LA XXXX it appears multiple times on my credit reports and I would like the address to appear once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

I went to the XXXX XXXX XXXX on XX/XX/XXXX and reported that the battery on my XXXX is not staying on. The guy working there ( XXXX ) told me he could fix it. I went to pick up and did not realize till I got home that he never fixed.I went back there twice and called over there half a dozen times with the store reps playing games and telling me I had to come back etc. Since I paid with my XXXX and assumed I was perfectly okay I called BOA to file a dispute as the service I requested was never done. I even told them I would mail the XXXX so they could check and trash upon completion as the XXXX is useless to me now. BOA issued a temporary credit on XX/XX/XXXX but I was shocked when they sent me a letter they would reverse credit 2 weeks ago. I thought the whole point of paying with XXXX   was confidence. They never investigated, did not try anything, did not request XXXX for evidence. When I called over there on XX/XX/XXXX, the BOA rep I spoke with advised me the credit was a courtesy and that if the business does not assent to a credit, they can not process. I was never aware that is how it works. Please investigate Bank of America for misrepresentation, negligence and underhanded tactics. This is not how XXXX works, not to my knowledge or everyone would be carrying cash around and paying with cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and Experian says the account is verified. how can an account be verified but still reporting inaccurate information.
Product: Prepaid card

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance with an unresolved issue regarding a fraudulent transaction on my Cash App account. Despite repeated attempts to address this with Cash App, I have not received an adequate investigation or resolution. 

On XX/XX/year>, a fraudulent charge of {$350.00} was made to my account to XXXX XXXX, which I did not authorize nor initiate. I immediately reported the issue to Cash App 's customer support team, expecting a thorough investigation to be conducted. However, despite providing all necessary documentation and details, Cash App has failed to take appropriate action to investigate this transaction and has not refunded the funds. 

The lack of response and attention to this matter has left me frustrated and concerned about my account 's security and financial information. As a consumer, I rely on digital payment platforms like Cash App to safeguard my financial transactions, and their inability to provide proper support and resolution is unacceptable. The amount was deducted from my case app balance, not my checking account,, and I can not be disputed it through my banking institution. 

I am requesting that the CFPB take appropriate action to investigate this case and ensure that Cash App conducts a full and fair review of the fraudulent transaction, resulting in the prompt return of my {$350.00}. 

I have attached copies of all relevant documentation, including the transaction details, my communications with Cash App, and any other supporting materials. I trust that the CFPB will help resolve this matter promptly. 

Thank you for your attention to this urgent issue. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Debt collection

Repeated calls. Up to 5 or six times a day. 5 or 6 different numbers to get around my blocks. Refuse to identify themselves. Continued to call after I requested..then demanded they stop.
Product: Payday loan, title loan, or personal loan

I borrowed approximately XXXX dollars from this company more than 1 year ago. After making 14 months of payments in the account of XXXX each, the company shows that I still owe in excess of XXXX. It appears that the total payments will exceed XXXX after 2 years. 

I was told at the outset that this was a simple interest loan. I have been trying for over a year to get someone to explain how a simple interest loan can escalate into an amount that nearly tripled the original debt. 

I am trying to get this agency to stop its predatory lending practices to the elderly and poor.
Product: Debt collection

What is this? I never received any communication from the collection agency, and as you can see, there isn't even an account number listed. How could they possibly have taken steps in making sure they were putting this on the right report? I want it removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX XXXX XXXX and told that i could lease a car i had shown i terest in with {$2500.00} down and $ XXXX monthly for three years. When I came into the dealership they confirmed the price and ran my credit even had me call my insurance co. Later on they brought out a contract with higher prices than promised. If they would have told me the real price instead of luring me in with false information I would have never been at the dealership or have permitted them to run my credit. 
XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint regarding Lowes / Synchrony Bank store card. I have been trying to pay off my debts and resolve inaccuracies on my credit report in order to be able to gain meaningful employment and to further my studies in the era of pandemic. I am unable to qualify for low interest student loan until this derogatory is removed. 1. Lowes/Synchrony Bank sold my account to XXXX debt collector. 2. I paid the settlement amount 3. My understanding is that Lowes / Synchrony Bank would remove the derogatory record to reflect that I paid less than the full amount. 4. I have disputed the inaccuracy to Lowes / Synchrony Bank via XXXX- twice. 5. Lowes / Synchrony Bank still has not updated my file. In fact, today, my score went down XXXX point.
Product: Vehicle loan or lease

I received a letter from Capital One Auto Finance dated XX/XX/2023. Reference number : XXXX. This serves as notice of discrimination and violation of the Equal Credit Opportunity Act. I am an injured consumer to whom you discriminated against and did not approve my application requesting to extend credit. Specifically, it states : " we're unable to provide you with a pre-qualified offer for auto financing. '' Capital One failed/never tried to make me a counter offer. I've submitted an application, pursuant to 12 CFR 1002.2f, to extend my credit to me. To my understanding, you are a corporation doing business with a living entity, a consumer. My personal information was given and used, including my credit card as defined by law : " any card, plate, or other like credit device existing for the purpose of obtaining money, property, labor or services on credit. '' This, to my understanding, was to be treated as a consumer credit transaction ( 15 USC 1679a ( 2 ). Being that I am an applicant pursuant to 12 CFR 1002.2 ( E ) I'm requesting an extension of my credit. How can I lawfully be denied extension of my own credit? 12 CFR 1002.2 ( h ) defines Consumer credit as credit EXTENDED to a natural person primarily for personal, family, or household purposes, in this case a car. Pursuant to 15 USC 1611 CAPITAL ONE AUTO FINANCE gave me false information. You are willingly and knowingly denying me an extension of my own credit. CAPITAL ONE AUTO FINANCE has discriminated against a consumer with an adverse action. Credit is the right granted to me under law, pursuant to 15 USC 1602 which Congress has set into place to protect the consumer. 15 USC 1681a, 12 CFR 1002.7 denial is an adverse action according to Congress ; it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. Also according to15 USC 1691 ( a ) 3 : activities constituting discrimination also include : " because the applicant has in good faith exercised any right under this chapter. '' Corporate policies do not supersede law. I extended my credit in good faith, meaning a transaction has taken place and I, the consumer, have not received an equal benefit. I being the card holder as defined by 15 USC 1602 have received no benefit from this matter which under 15 USC 1602 ( p ) you have unauthorized use of this card. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 USC 1692 and is pursuant to civil liability under 15 USC 1692k. The letter you sent is deceptive and clear proof of such willful negligence under law. I expect that you will rectify this matter accordingly.
Product: Debt collection

In the year XXXX, I went to XXXX XXXX to purchase a living room set for my father. After a month of not receiving my furniture, I canceled the order. They gave me a verbal confirmation that the order was voided. I received the Credit Card ( Synchrony ) in the mail - never activated it. One year goes by and I get a collection letter in the mail that I am in collections for this furniture. Long story short. The furniture store offered me a check to go pick up to pay off the collection debt. I choose to file a dispute instead with XXXX. XXXX  has now removed the inquiry off of my credit report but my credit is still low.

today, I was notified by a mortgage lending company that Synchrony is still hitting my credit. The last inquiry was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof XXXX of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.
Product: Debt collection

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on the account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed in my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent XXXX, TransUnion, and XXXX a letter for investigation of alleged debt. I asked if they would give me a detail information on how this alleged debt is valid. I asked for the name of the person who verify the these debt, the time and date the information was verify, and for the name and address of the original creditor. They have fail to provide me with any proof these alleged debt belong to me.
Product: Student loan

Between my information being incorrect on the federal student loan website studentaid.gov and incorrect information given by XXXX I have made incorrect decisions that have resulted in having to request forbearance to correct after being given information that I should register for the standard plan, and, per that plan stop filing my taxes single filing separately, I was then told I was in the wrong plan, and then went back and my payments went from under $ XXXX {$950.00}. 

I made some complaints with XXXX and the ombudsman. I received a letter on XXXX XXXX that there was a delay and I would get a response in 90 days. I still have not received a response. There was initially a question that led me to believe I was already over XXXX payments. 

I also have yet to hear back from the Ombudsman. 

On the Student website, it says that my loans dont qualify for XXXX because I dont have the right loans, however, I do. 

Although apparently my server has been switched to XXXX, The federal website says my loans are still with XXXX 

The website providing the incorrect information and the staff for writing the incorrect information as resulted in many bad decisions that have not financially worked on my favor. I tried to grab that information but the federal website just went down again. Which is another thing that happened so frequently that I want to pull my hair out XXXX should not have people advising you to select a particular plan if theyre not knowledgeable about the process. The government should not recommend plans that will take you off XXXX, without explicitly and very loudly, giving you warning that thats going to happen. It feels like this has been done on purpose to generate anxiety and, prevent as many people as possible from getting their loans paid and to get them to pay far more than needed. I believe I paid more in the past seven months and I didnt in the XXXX years. I was paying my student loans prior to XXXX.
Product: Credit reporting or other personal consumer reports

i am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

inaccurate information was reported to Equifax, XXXX and XXXX, XXXX XXXX XXXX reported late payment, wrong information was reported
Product: Credit reporting or other personal consumer reports

This is part of a class action law suit that was settled in XX/XX/2023 which was won by the Plaintiff 's. The Defendant has not removed this account per the settlement agreement and requirements set by the Judge. There is NO MONEY owed on this account, the company appears to be shut down, none of the phone numbers work and there is no way to contact them. There's no reason for the delay in the Federal Student Aid Dept. removing this account from my credit reports- all of them. They need to step up and remove it now! It's bad enough FSA is slowly bit piecing crediting back my loans in the increments they were disbursed. That will extend long past the time frame the Judge gave FSA to settle this matter for over XXXX student Borrowers. Had Borrower Defense done their jobs, they would not be in this position today. The loan servicer is confused and very slow to credit the payments back to my outstanding balances. But FedLoan Servicing has a XXXX balance therefore should be deleted per the settlement immediately!