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

In XXXX, my girlfriend and I traveled to XXXX from Texas and stayed at the XXXX XXXX in XXXX XXXX XXXX. Checking in, my girlfriend booked the room with her card and was charged a {$600.00} deposit that was supposed to be refunded after checkout. As we were checking out, they told us one of meals needed to be paid for so I told them to put the meal on my card. They charged me an extra {$800.00} for the meal that I didnt see until we got home the next day. We have called the hotel multiple times who said the extra {$800.00} was a deposit in case there were any room damages, but they didnt find any damage and the charges will be returned to us. Neither of us got our deposits back after trying for over a month despite them telling us repeatedly the funds will be returned. I never signed anything for this {$800.00} deposit in the first place and was never told about it when asked to pay for the meal. I never signed anything to pay this extra deposit and after looking at reviews of this hotel online many people have written about similar made up charges while staying at this hotel. 
I filed a claim with my bank ( chase ) who told me I need to send them a written statement online through their website. I wrote them a statement and sent it over to them as they asked. After about a week they closed my claim and said they never received the documents despite me sending it to them exactly how they asked. I tried this two more times both times with the same result of them closing my claim and saying they never received my document. 
Finally I spoke to another agent after having my claim closed 3 times who told me their messaging system on their website does not work and they wont receive my documents that way. Up until this point, the agents have told me to send my documents through the website. She tells me I need to go to chase bank and send it through fax in the bank. 
Today, they finally received my letter and they tell me they cant fix my claim because too much time has passed since the hotel made this charge on my card. I tried to explain that the only reason so much time has passed was because they were giving me wrong information on how to send my statement but they said there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio is reporting a repossession and late payments on my credit report. That vehicle was traded in to XXXX XXXX in XXXX XXXX in XX/XX/2018. I was served papers and went to court several times for this account. Consumer Portfolio dropped the case because it was negligence on XXXX end. This has been reporting negative on my credit as a charge off for over {$20000.00} and its showing as late and repossession on my credit report. It is affecting my report and my progression in moving forward with repairing my credit. Can you help me get this resolved or removed?? Thanks
Product: Debt collection

I have contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX, XXXX, and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. This company does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX  that I am ( XXXX ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX  XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX  XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

On wednesday, XX/XX/year> the XXXX party service provider that capital one uses, XXXX XXXX XXXX, experienced a power outage on this day that seemed to be the root of an issue where most of the nation 's direct deposits were affected & were not deposited in time. Most of these customers to date still doesn't have their deposit & greatly affects those that live paycheck to paycheck. Capital one failed to promptly notify their customers of this delay & also failed to keep us updated throughout the issue. Most of us are having to resort to news outlets & social media just to know what was shared between other customers who were affected. This is a great disservice to us as consumers & even now I still dont have my deposit. With it being now friday, XX/XX/XXXX & a holiday/weekend approaching around the corner I am XXXX out even more because I now may have to wait even longer for my money.
Product: Money transfer, virtual currency, or money service

I pay my paypal cashback XXXX  balance each month using electronic transfer from my checking account. XX/XX/XXXX the request for XXXX was rejected. All the checking account information used by paypal is correct and has not been changed since the autopay to paypal mastercard was set up years ago. There was sufficient funds in the checking account to cover the XX/XX/year> payment. No information was changed since the successful payment on XX/XX/year>. 

XXXX XXXX  sent me a letter, dated XX/XX/year> about the rejected payment instructing me to contact Paypal. I called the paypal customer service number provided in the XXXX XXXX  letter and paypal has refused to reimburse me for a XXXX late fee and about XXXX in interest for a problem I did not cause. 

That is, I had an autopayment set up through paypal to pay my paypal cashback master card balance each month, for some reason the XX/XX/year> payment was not processed by paypal. Paypal autopayment failed and paypal owes me the cost associated with that failure, paypal is refusing the reimburse me.
Product: Credit reporting or other personal consumer reports

I was reviewing experian my credit report and saw fraudulent unauthorized inquires listed. XXXX XXXX XX/XX/2024, XXXX XX/XX/2024, XXXX XXXX XX/XX/2024. An agent informed me to submit a report. Please remove these inquiries immediately. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a personal loan in cash on XX/XX/18 at the XXXX CT branch on XXXX XXXX. This was in the amount of about {$240.00}. Since this date the bank has admitted that there was a bank error " caused their system '' to REVERSE a cash payment, and my payment has been sitting in a " reject '' bin. 

They have reopened the account without my permission, kept my money, and never once notified me of the issue in writing, or by phone. Instead they let the account sit and collect interest and fees. I found out of the negative report of 30 days late on my credit report via an e-mail from XX/XX/XXXX. 

In the meantime I have of course received SEVERAL e-mails and letters soliciting me to open a new line of credit, loan or credit card with XX/XX/XXXX. 

Since then I have visited the branch once, and been in contact with the personal bankers, branch managers, and regional managers to attempt to correct this issue. At first I was told 3 business days, then 10, and since then nobody will return my calls or even make an attempt to correct the issue. I have demanded a letter form the bank stating that this is a banking error. I have legal recording of the regional manager admitting this was a banking error and promising to make this right - whatever that means. 

Per XXXX XXXX request I have opened disputes with the credit reporting agency and last night I received an e-mail from Experian stating that they have DENIED the update to the credit report! 

This is beyond unbelievable and the worst part is that this has ruined my personal credit, business credit AND XXXX loan of XXXX that was supposed to close 3 weeks ago.
Product: Payday loan, title loan, or personal loan

This company needs to be stopped immediately from their false advertising and predatory lending practices. I applied for a personal loan over 1 month ago, was approved for {$14000.00} personal loan. I have continuously been asked for a more and more documents and every time I have been asked for something else, I have returned the items within 24 hours. My rate and terms for the {$14000.00} loan were set to expire on XX/XX/XXXX, still pending a response from an Underwriter to my application and attachments. I called on XX/XX/XXXX and the individual said there was nothing to worry about as my docs would be saved and honored. That was a lie, the next day when an Underwriter was finally able to review the application, they re-ran the credit and said I was only approved for {$4500.00} with a higher interest rate. WHAT THE ACTUAL & & % & %? I took it because I am still trying to consolidate and pay down my credit card debt. Luckily they saved all my attachments from the original application. However, they keep asking for a Form XXXX from my tax return, which is a schedule linked to my business write-offs from my personal taxes. I have spoken to my CPA and he and I both agree, this is not Upstart 's business. My business write-off 's against my personal income is not the concern for a PERSONAL loan. My personal income is what should be derived to approve a personal loan, anything else is just not their business. Anyway, I submitted an explanation on XX/XX/XXXX with the new terms and rate expiring on XXXX. Yesterday, 2 weeks later, they finally reviewed my application and said that they needed Form XXXX again and if I didn't have it, to say I didn't have it and they would continue on without it. I haven't even had a chance to call and speak to someone and I get another notice that not I'm approved only for {$1800.00} and for a higher interest rate? This is b.s.!!! They keep delaying the review and moving the goal post and not holding true to their terms. And it takes them forever to review my XXXX application! Stop this.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX Balance {$2500.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Blocked, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take Timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, As they did not comply with error resolution requirements under the ELECTRONIC FUND TRANSFER ACT ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Debt collection

I have repeatedly tried to contact AFNI, INC to no avail. It is putting a derogatory mark on my XXXX, XXXX and XXXX  credit reports. This account is hurting my ability to apply for credit.
Product: Debt collection

CEASE AND DESIST NOTICE Dear XXXX / XXXX XXXX XXXX. : Throughout the time frame of XX/XX/2023 to the present day, your company has repeatedly contacted me, claiming that I owe a debt under Flagship Credit Acceptance LLC account number XXXX. I do not believe that I still owe this debt after your receipt of my presentment on or around the date of XX/XX/2023, as well as another in XXXX of 2023, containing debt instruments as well as instructions for the setoff, settlement, and closure of this account. Further, I have repea requested that you validate the claim that this debt has not yet been settled, set off, and closed by affidavit under full commercial liability, but you have disregarded these repeated attempts to validate the debt. 
Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort as well as other private and/or commercial damages. You have violated HJR 192 PUBLIC LAW 73-10, as well as 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached your duties as fiduciary trustee by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within ten ( 10 ) days from your receipt of this Notice. This includes eliminating this account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all collections and communications to me. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. 
Kindly govern yourself accordingly.
Product: Checking or savings account

A checking account was opened in my name by TD-Bank . Checks and a notice of failure to pay certain funds was received by me a few days ago - the bank was notified on XXXX to discontinue all accounts in my name.
Product: Credit card or prepaid card

I noticed a Bank of America credit card account ending in XXXX reporting on my credit report. I have called them and closed the account, but they are still reporting it on my credit.
Product: Debt collection

I am writing to formally request the immediate removal of a collection account from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i I have reviewed my credit report, and I have found an entry for a collection account, identified as follows : Creditor/Collection Agency Name : Caine & Weiner Date Reported : XXXX XXXX Balance : {$610.00} I believe this information is inaccurate, incomplete, and in violation of the FCRA for the following reasons : 1. This account is reflected on my credit report as open and this is an FCRA violation according to 15 USC 1692g. This need to be deleted immediately.

2. This account does not belong to me!

According to the FCRA section 605 B, it is illegal to report anything on my credit report without my permission. Please remove this negative item immediately. I will seek litigation for this violation if not removed from all three credit bureaus. Under the FCRA, you are required to investigate and ensure that all information reported on consumer credit reports is accurate and up-to-date. As this collection account is inaccurate and no longer valid, I am requesting that it be immediately removed from my credit report. 
Please confirm in writing that the collection account has been deleted from my credit report or provide a detailed explanation of why it remains. If this account is not removed within the statutory timeframe of 30 days as required by the FCRA, I will take further action, considering other legal remedies available to me. 
Thank you for your prompt attention to this matter. I look forward to your immediate action.
Product: Prepaid card

I had some unauthorized transactions on my card, but when I filed disputes my card was suddenly closed, and no transactions were disputed.
Product: Mortgage

I worked with Navy Federal to get a mortgage on my first house. During the entire process I felt bullied because of my age since I am very young to be purchasing a home. He neglected to tell me that I am required to have XXXX sources of credit history of 12 months, which he knew in the beginning I did not have. He requested an extension twice even though I submitted all the requested forms within 24 hours of his request. He never submit a final approval letter within thirty days of the original contract being executed and when he asked for yet another extension the seller denied costing me to lose my binder deposit. I do not feel it is fair for me to lose my money at the expense of my loan officer 's lack of communication. There were weeks where he did not even return an email or phone call. During the entire process he continued to tell me and my realtor that everything was going as planned which when he asked for another extension came as a shock. He made claims such as money laundering towards me because I mentioned I had cash savings at home from my recent graduation. He did not communicate from the beginning and now I am out a lot of money at his expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian credit reporting agency regarding incomplete, missing and no data for certain time periods on my credit report, also late payment on a charge off account. After my dispute, they have decreased my credit score and have added negatives on all three of my accounts, one which is paid and in good standing, one that I am currently paying on time and the third I will be sending a goodwill letter to and make necessary payments. I have called them about this but they seem to be deliberately trying to hurt me.
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly.

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.

The FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my account, I wrote to the three bureaus XXXX, experian, & XXXX on 3 different occasions XX/XX/18, XX/XX/18, & XX/XX/18 requesting they Please send me copies of the documents that you have in their files as of this date that they used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. As i understand, federal reporting laws, particularly the metro 2 data formatted reporting regulations enacted as a result of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have only current true accurate and physically metro 2 compliant information reporting, i do not authorize you to retain any other accusations of a adverse or derogatory nature, true or not. retain or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant info. already or not already rectified by the other major credit bureaus as mandated by law.thanks. 
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