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

I saw an ad online about a body painting event hosted by XXXX XXXX XXXX XXXX and a date of XX/XX/XXXX. This was on XXXX, a site for booking events online. I purchased a ticket for {$99.00} plus fees for a total of {$110.00} and when I arrived ahead of time for the event, there were several other people there, but no one was at the location for the event. We all stood outside with no answers and waited for someone to come to let us in. One person waiting emailed the link on the XXXX posting for the event and got a response from someone stating that the instructor was running late and was on the way. This was around XXXX. We waited and waited and no one showed up. The person was emailed again and was told no one showed up and then the person apologized and said someone is there, but no one ever showed up, even after XXXX hour of us waiting for the event that was to be from XXXX that night. At around XXXX, everyone started to leave because no one showed up. I attempted to get my money back via XXXX and it did not work, so now, I would like for an investigation to be launched about this company and their practices. One other person who waited with me stated she attempted to attend an event from the company a few weeks prior and when she showed up, found that the event was cancelled because the host said not enough people registered. She mentioned she was trying to get a refund but I am not sure what happened because she was waiting with me and others for the event on XX/XX/XXXX and I assume she paid. I have asked for a refund and my request has fallen upon deaf ears. This event is still being advertised, with the latest event supposedly occurring on XX/XX/XXXX at the same place during the same time. I have no knowledge as to whether this event actually occurred but I know I was never refunded and I want my money back. I also reached out to the owner. I filed a dispute with Bank of America, the holder of the card I used to pay for the transaction and they took the dispute and issued a credit but then I just received a letter stating the dispute was ended and they reversed the credit because they told me they never received any documentation from me. I never received any other communication from Bank of America regarding the dispute. They said that I was supposed to get back to them by XX/XX/XXXX, but that was a federal holiday and from what I know, also a banking holiday where bank of America and other back would be closed. So, they ruled against me, even when they had 60 days to investigate the dispute and expected me to get back to them by XX/XX/XXXX on a holiday and I never received any request from them for information. Now, I can not resubmit the dispute. It's unfair. I have proof to submit about this matter that happened on XX/XX/XXXX, less than 30 days ago when I did not receive the purchase I made in XXXX. It was for a service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XX/XX/2018 and did not give me the right to cure my default with them even though they mailed a letter out stating that i had until XX/XX/2018! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?
Product: Credit card

On XXXX/XXXX/XXXX, I entered into a repayment plan with my Citibank credit card. I received a letter outlining the new terms and conditions. I did not have a delinquent balance on my credit card at this time. I was told by Citi 's representative that I could make my all payments online. On XXXX/XXXX/XXXX, the due date on my credit card, I was not able to make my payment online. Citi 's online system does not allow payments when you enter into a repayment plan. I made my payment over the phone on XXXX/XXXX/XXXX and my payment posted to my Citi account on XXXX/XXXX/XXXX. Since then, I have been getting calls from Citi at all hours of the day. Calls are harassing in nature, are intimidating, and plain bothersome. My son and I called Citi to find out why we were receiving so many phone calls. Citi 's response was : I made my payment late for XX/XX/XXXX, and I still owed a past due amount ( for XX/XX/XXXX & XX/XX/XXXX ) and that negative reporting to the credit bureaus would continue. I responded by explaining why I made my payment past XX/XX/XXXX ( explained that I could no longer make payments online ), explained that I had agreed to new terms and conditions for the repayment plan, and that I did n't think it was correct for Citi to continue harassing me with phone calls and negative credit reporting.
Product: Debt collection

I formerly had a credit card through XXXX XXXX XXXX which I never used. However, in XX/XX/XXXX, the card was compromised and fraudulent transactions were processed. I disputed the transactions immediately, but XXXX XXXX continued to bill me for them ; when I refused to pay, the added interest, fees, and penalties. 

With no resolution in sight, on XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau. On XX/XX/XXXX, they referred the case to the Office of the Comptroller of the Currency. On XX/XX/XXXX, the OCC mailed me to say they had initiated their process and contacted the bank. On XX/XX/XXXX, XXXX XXXX mailed me to say they were clearing all monies ( transactions, fees, penalties ), closing my account as I had requested, and reporting the change to the credit bureaus. I received a letter on XX/XX/XXXX from the XXXX confirming same ( all documentation attached ). My credit score immediately jumped back to its normal 750 range, and all was well. 

Until today. 

I am in the process of purchasing a new home, and our credit report came back with a claim from your agency, citing a collection of the above-referenced debt. I called your company for an explanation, and was told that you had purchased this debt on XX/XX/XXXX. If that is the case, how was XXXX XXXX able to adjust my account? How could they have corrected the issue with the credit bureaus if they didnt even own the debt? None of this foots, and I demand an explanation. 

I am already being negatively impacted by this matter, not only in the interest rate Id have to pay on my mortgage, but on the limitation it puts on the amount I can finance.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report that I believe violate the Fair Credit Reporting Act ( FCRA ). My account information appears to be reported incorrectly by various credit reporting agencies, and I am seeking your assistance in resolving this matter. 
Account Information : Account Number : XXXX Account Type : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, Experian, XXXX Details of the Complaint : 1.Inaccurate Reporting of Account Status : The account is reported as " closed '' with some bureaus while being listed as " open '' with others. This inconsistency creates confusion and misrepresents my credit status.

2. Balance Discrepancies : The balance reported is {$1100.00}, which appears to be associated with a collection account. If this information is inaccurate, it misleads potential creditors and affects my creditworthiness.

3. Misleading Payment Status : The account is marked as " seriously past due '' and " assigned to attorney, collection agency, or credit grantor. '' If this is not accurate, it constitutes misleading information that could harm my credit profile.

4. Duplicate Reporting : The same account appears to be reported multiple times with slight variations, which may violate the requirement for accurate and consistent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX Date of inquiry XXXX/XXXX/2020
Product: Debt collection

I have contacted XXXX XXXX on several occasions over the span of the last two years. They list a collection account from XXXX XXXX on my credit report. However, I have never had insurance through XXXX, only through XXXX. Despite numerous requests to have the information removed from my report it continues to persist.
Product: Student loan

I am trying to switch my federal student loans which are serviced by MOHELA from the XXXX plan to the XXXX plan which was submitted in XX/XX/year>. According to the XXXX site the XXXX plans currently can not be switched to a different repayment plan, but I could be switched to a processing forbearance rather than an administrative forbearance so that my XXXX payments continue to count during the forbearance. However when I called MOHELA they told me I could not be switched to a processing forbearance, which goes against the guidance given by XXXX.
Product: Credit reporting or other personal consumer reports

I am a full class member of the XXXX XXXX XXXX lawsuit, which states that my loans be dismissed and removed from my credit report as of XX/XX/XXXX. Mohela, my loan servicer was provided the documentation for this legal requirement in XX/XX/XXXX. They have failed to comply with the lawsuit. My school loans still exist on my credit report.
Product: Credit card or prepaid card

To whom it may concern, I have a BOA credit card. Last month I received my ebill on XX/XX/2019 : Pay To Account Number : ************XXXX Due Date : XX/XX/2019 Minimum Amount Due : {$79.00} Amount Due : {$79.00} Account Balance : {$7900.00} I tried to avoid missing the payment so I set up automatic payment online at the end of XXXX or early XXXX ( definitely before the due date of XX/XX/2019, but I have no email confirmation though ). And then I received a payment alert on XX/XX/2019 : Minimum payment : {$79.00} Account : Bank of America Cash Rewards World Maste ending in - XXXX Due on : XX/XX/2019 As a new customer, I thought the automatic payment will take care of the payment. So I did not manually pay anything. 

However, on XX/XX/2019, I received my new ebill and noticed there was a late fee incurred. On the same day XX/XX/2019, I also got an alert email saying " the following payment has been scheduled : Pay To Account : BANK OF AMERICA - PERSONAL CARD Account Number : ************XXXX  Payment Amount : {$180.00} Payment Date : XX/XX/2019 Confirmation Number : XXXX Pay From Account : ********XXXX Account Description : XXXX '' I then realized my automatic payment did NOT work for the month I setup. I had then tried several times to call the customer service for this issue. The longest waiting time is about 30min without no one answering the phone. Until today ( XX/XX/2019 ) I got some one who can discussed with me about this issue. She confirmed my guess that the automatic payment setting only works for the NEXT billing cycle, even though I have set up it before the due date of the current bill. 

I accepted there may be technical difficulties for BOA to make the automatic payment setting work the same month. But it should notify customer, at least in a confirmation email about the automatic setting. Sadly, I did not receive any confirmation/notification from BOA after I had set up my AUTOMATIC payment. Ironically, BOA did sent out a payment alert on XX/XX/XXXX, in which again nothing was about that the AUTOMATIC setting wouldn't work. So customer as I was mislead by this nontransparent communication. I then talked to their manager. BOA insisted that according to heir protocol, there was no payment for that month, so my late fee should be collected, given all the fact I presented above. 

In all, the BOA automatic payment does NOT work for the current bill. And during the process, BOA 's communication is not transparent and misleading. The result late fee is unfair! And I believe it is not only my single case. I hope CFPB can look into this issue and protect customers from this wrongly issued late fee.
Product: Mortgage

A letter was sent in late XXXX and early XXXX by XXXX XXXX XXXX requesting a reaffirmation agreement from Specialized Loan Servicing. Specialized Loan Servicing has not sent a reaffirmation agreement to the law office nor responded to our multiple requests. In addition, they have closed the account based on the XXXX Credit Report. We are still making payments on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out letters to TransUnion, XXXX and XXXX through certified mail in regards to these XXXX accounts that I felt did not belong on my credit report : 1. XXXX  XXXX/XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX 2. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 3. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 4. XXXXXXXX  ( XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX 5 . XXXX XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX 6. XXXX XXXX  XXXX ( XXXX ) Reported Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX It is to my understanding and under the provisions of the Fair Credit Reporting Act that these three bureaus have 30 days to complete a sound investigation of my disputes and in that time, must temporarily remove those accounts from my credit report as well as mail out to be copies of my credit report respectively. It has been well over the 30 days since those letters were received and there have been absolutely no updates to my disputes. There was no sound investigation completed, no letter mailed to me with any decision, no contact by phone or contact in any way shape or form in regards to the temporary and final deletion of these accounts. I was never mailed copies of my credit report as requested in these letters, and still have not heard back from those three credit bureaus. It is no longer the time now for a reinvestigation. I want these accounts removed immediately from my credit report or I will take further legal action. I have a right to privacy and a right to a true and accurate credit report. This is causing damages to my report and preventing me from getting fair credit deals and rebuilding my credit. 

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

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

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  15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Product: Credit card

This is an very old debt that is still showing on my credit when the statue of limitations have past for over 7 years.
Product: Credit reporting or other personal consumer reports

n accordance with the fair Credit reporting act ( 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 ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX XXXX XXXXXXXX ) and i never made a credit application with these companies ( XXXX XXXX XXXXXX/XX/XXXX TransUnion 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  ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ;
Product: Checking or savings account

I had to close bank account and I received my XXXX  money direct deposited and the bank took it because they say that I owe them money on fictitious charges that they accured on my closed account and they will not reject the payment or give me the money back on a XXXX payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted disputes with XXXX and TransUnion. On XX/XX/XXXX, the accounts was removed from my credit file. On XX/XX/XXXX the same accounts that was removed from my credit file was added back to my credit file with out any notice from XXXX and TransUnion.
Product: Credit card or prepaid card

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late. 


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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Student loan

On XX/XX/XXXX, I got a voicemail on my home phone from someone representing the Department of Education stating I qualify for a better repayment plan. On XX/XX/XXXX I contacted the phone XXXX. I spoke to a woman who said there is a push from the department of education and lawmakers on the student debt crisis. She spoke very good English and I could hear other conversations in the background about student loans/rates etc. She said I was overpaying from XXXX and said by the end of the loan term after paying it off, i'd pay over XXXX almost double what my loan amount was originally. She told me I would only pay a total of XXXX. She said there will be a larger payment over the course of four months of {$260.00} and then it would drop to approx. {$80.00} pending final loan amount. At no point did she say there were fees or what that XXXX would be used for and towards. She also said I qualified for forgiveness of the loan after 10 years, which is not true because I don't work for a non profit or govt agency. XX/XX/XXXX is when another payment of XXXX is to come out. 

On XX/XX/XXXX, I received my first mailing. It said at the end of my term, it would be over {$80000.00} paid WAY more than XXXX and Far more than the XXXX. XXXX was not even XXXX according to my last statement. 

On XX/XX/XXXX, I received a courtesy call from XXXX asking me if I was aware someone was accessing my XXXX account and FAFSA information. My email had been changed to XXXX which is not correct. The auto debits were stopped all through XXXX. 

There was a lot of misleading information especially about the final payoff, if it's a government loan whether it's XXXX, XXXX or Fed loan directly everybody should have the same payoff amount. No fees should be accepted. 

at :XXXX XX/XX/XXXX, according the letter rec 'd on XX/XX/XXXX I can cancel within 10 business days of the dated letter XX/XX/XXXX. I went ahead and I canceled the loan consolidation process. I have also been in contact with XXXX to keep the loans with XXXX.
Product: Debt collection

Account name : STAFFORD GROUP ASSOCIATE Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. The information is inaccurate. Stafford Group is unable to produce authentic proof for loan obained by me. Yet they are not correcting the issue. Nor is XXXX who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to Stafford. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. Both parties ( XXXX XXXX and Stafford ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied or received the debt. Both these companies have or made no effort to collect this debt from me. I challenged it to both of them so many times. Neither are they providing proof, nor collecting. Straight reported to credit beureo. If it is genuine debt, why are they not contacting me? Stafford is victimizing me. As a result, my applications for Credit card are being denied due to Stafford 's illegal reporting of debt on my account. I would like to amicably resolve this and get off my credit reports from 3 beureus. Otherwise I will have to exercise my right to sue Stafford and XXXX XXXX at a court near to me.