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

On  XXXX   XXXX ,    2017  I booked  XXXX  tickets to  XXXX  for  XXXX  Thank You Points through the Thank You Rewards Portal. Nowhere on the Reward booking page did it state that middle names of the passengers must be included on on the booking. The airline is  XXXX   XXXX  is fraudulent and demands that the ticket be cancelled and re-booked in order to add a middle name.  XXXX   XXXX  and  Citi cla im that they can not edit the name on an airlines ticket and the customer must pay {$160.00} to cancel the airline ticket. This practice is fraudulent, criminal and highly misleading. None of these details were disclosed at the time of booking . Citi T hank You and the ir 3rd pa rt travel booking service is knowingly doing business with a crooked and deceitful airline in order to cheat customers and not disclose key details at the time of booking. I conta cted Citi  on  XXXX   XXXX ,  2017  and they claimed there is nothing they could be but charge {$320.00} total to cancel my tickets and refund the reward points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and or deletion of these items.
Product: Debt collection

On XX/XX/XXXX, I requested validation of account being reported to the credit bureaus by Resurgent Capital Services which is a debt buyer. The account is being reported as a collection however, I do not remember ever receiving any information regarding this account. I requested a full accounting of the account including a breakdown of the transactions dating back to the origination of the debt, a copy of the assignment or purchase agreement that shows that Resurgent Capital Services is legally allowed to collect on behalf of XXXX XXXXXXXX XXXX a complete chain of assignment from the original creditor and clear proof that Resurgent Capital Services owns the debt and was a party to the original contract with the creditor and is licensed and bonded to collect debts in my state. I received a letter in XXXX dated XX/XX/XXXX with Resurgent 's response saying there wasn't an issue with the way the account was being reported. The also sent a copy of an abstract of judgment. 

I firmly believe my rights as a consumer is being violated and the reasons are as follows : 1 ) The address on the paperwork sent to me from Resurgent Capital Services shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I have never resided at this address and therefore, I was never properly notified of a lawsuit or had the ability to defend myself about these false debt allegations. 

2 ) According to the paperwork, the judgment was entered on XX/XX/XXXX however, I have lived in XXXX  and not resided in the state of XXXX XXXX XX/XX/XXXX. Again, there is no way I was notified of a lawsuit or given an opportunity to answer it. 

3 ) The account is being reported to the credit bureaus by Resurgent/LVNV Funding however, the information was Abstract of Judgement was provided by XXXX XXXX XXXX XXXX XXXX. Who is this company? What is their connection with Resurgent Capital Services and XXXX XXXX Bank? 

4 ) The account number on the letter received from Resurgent Capital Services does not match the account number being reported to the credit bureaus. Just based on this information alone, there is no way Resurgent Capital Services or LVNV Funding can honestly say this account is being reported with 100 % accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following up in regards to : PRIMARY CONSUMER PRODUCT AND ISSUE XXXX I did not have the opportunity for a rebuttle. I was hoping that case number can be re-opened so I can submit the documents I sent them over 2 months.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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/year>
Product: Credit card

I reached out to Ally XXXX around XX/XX/XXXX because I noticed a double payment issue. I made a payment for {$870.00}, but it was withdrawn twice. When I called, I spoke to a gentleman who explained that the duplicate payment couldnt be refunded electronically and would need to be mailed as a check. I agreed to this and was told it would take a couple of days for the account to zero out since there was a credit of {$870.00} showing at the time of my call. For reference, I only received XXXX confirmation number for the payment I made. 

It wasnt until XX/XX/XXXX that the account was finally adjusted and zeroed out. Then, at the end of XXXX, I called again to check on the status of the refund. The agent told me the check had already been mailed. Shortly after, I received a letter in the mail, which I assumed contained the check. However, it was just a notice stating the check would be sent after the amount was verified. That same agent told me to wait until the end of XXXX and to call back if I didnt receive it so they could issue a stop payment. 

Today, I called again and spoke with an agent who was completely unprofessional. After verifying my name, he just sat in silence. I had to ask if he was still there before he finally responded. I explained the situation and once again had to prompt him to respond, which was frustrating. Listen to call on XX/XX/XXXX for context. Eventually, he told me to wait longer for the refund. 

I requested a supervisor, who said the check was mailed on XX/XX/XXXX ( Which means I was lied to when I called previously ). When I asked about issuing a stop payment, I was told they couldnt do so until 30 days had passed. This makes no sense, as they should be able to verify whether the check has been cashed and take action immediately. 

This entire process has been a nightmare, and as a new customer, Im extremely disappointed. I need this issue resolved and the money refunded to my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

WF stated that the COVID19 FORBEARANCE PLANS WOULD NOT BE REPORTED TO CREDIT AGENCIES! NOW THIS XXXX SHOWS UP ON MY SISTERS ACCOUNT BECAUSE I TOOK THIS LOAN WHEN SHE HASNT EVEN LIVED HERE! WF BETTER CORRECT XXXX
Product: Credit reporting or other personal consumer reports

It has been 6 months and XXXX and TransUnion STILL isn't reporting accurate information. My credit reports from both XXXX and TransUnion reflects 4 credit accounts, I have 6. I have a mortgage but my credit reports do not show it. I refinanced my car but my credit reports do not show that either. My XXXX credit report is still showing an account that was closed 3 months ago. The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report consumer credit information accurately, fairly, and in a timely manner. This is unacceptable.
Product: Checking or savings account

Subject : Complaint Against Wells Fargo Unresolved ATM Withdrawal and Unauthorized Account Deduction Dear CFPB, I am writing to file a formal complaint against Wells Fargo regarding an unresolved issue involving an ATM withdrawal and a subsequent unauthorized deduction from my savings account. 

On XXXX XXXX XXXX while in XXXX XXXX XXXX I attempted to withdraw {$300.00} multiple times from a Wells Fargo ATM . Each attempt was declined, and I did not receive any cash. However, a few days later, my account showed that the withdrawal attempts had been processed, as if all the attempts went through. This resulted in a total deduction of {$910.00} from my account, even though I never received the funds. 

I filed a claim with Wells Fargo, and they initially refunded the amount. However, a few months later, Wells Fargo reversed the refund, stating it was not an unauthorized transaction but an ATM claim. This forced me to start the process all over again. Eventually, I received the {$910.00} credit back, but I was asked to provide a receipt for the declined ATM transactions, which I could not provide since the ATM never processed the withdrawal. When I contacted a customer service representative to follow up, I was told it was a system error and to disregard the request, so I believed the issue was resolved. 

Unfortunately, XXXX weeks ago, in XX/XX/year>, Wells Fargo deducted {$610.00} from my savings account without explanation, just as my direct deposit hit my checking account. This deduction occurred despite the issue being closed months earlier. I contacted Wells Fargo to resolve the issue, but they informed me that their back office had determined the claim was not in my favor. Despite numerous requests, they have failed to provide any evidence or explanation for their decision. I have repeatedly asked for a call back from a manager or supervisor, but no one has responded. 

This ongoing issue has been extremely frustrating, and I have had to constantly follow up with Wells Fargo to get any updates. It is unacceptable that they have taken money from my account without providing clear evidence or explanations. I believe Wells Fargos practices in handling this matter have been negligent and potentially deceptive. 

I kindly request that the CFPB investigate this matter and assist me in recovering the {$610.00} that was wrongfully taken from my account. 

Thank you for your attention to this issue. I look forward to your assistance in resolving this matter. 

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

My account with 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 60 DAYS 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 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 or other personal consumer reports

I've sent Equifax and XXXX letters asking them to delete the inaccurate information they are reporting on my report, but they completely ignored me. They continue to report the inaccurate information on my credit reports which have caused me to be denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : Collections : XXXXXXXX XXXX XXXXXXXX Account No XXXX XXXX. Amount Owed {$150.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Mortgage

XX/XX/XXXX applied for line of credit home equity loan with Bank of America XX/XX/XXXX received letter from BofA disapproving loan application due to debt is high relative to income and " based in whole or part on information in credit report from XXXX XXXX ''. This was incredible given my qualifications for the XXXX or XXXX HELOC, including about 900k in equity, about 800k in savings ( IRA ), and credit rating of XXXX.

The letter also informed me of my right to request disclosure of information used to make this illogical decision.

XX/XX/XXXX I sent written request to BofA exercising my right to request disclosure of information used to deny me the loan, including information from XXXX XXXX that was used to disapprove my application. I requested the information be provided by XX/XX/XXXX.

XX/XX/XXXX I sent letter to BofA formally requesting withdrawal of my loan application and demanding that BofA not place any type of lean on my property. I informed them that I am still awaiting information requested in my XX/XX/XXXX that I expected by XX/XX/XXXX.

XX/XX/XXXX I still have not received requested information as I was informed I have a right to receive.
Product: Mortgage

I filed bankruptcy, and was discharged under chapter XXXX, XXXX yrs ago. At that time I reaffirmed both my mortgage and home equity loan, and have been paying as agreed. XXXX companies have refused to report my payments on my credit report. My report states-account closed due to chapter XXXX. This is hurting my credit score tremendously.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX SSN : XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Urgent Dispute of Fraudulent Accounts Under 15 U.S. Code 1681c-2 Request for Immediate Block and Deletion To Whom It May Concern, I am writing to formally file a complaint against XXXX and TransUnion for their failure to comply with 15 U.S. Code 1681c-2 , which explicitly mandates that information related to identity theft must be blocked and deleted within four days of receiving proper notice from the consumer. 

I am a verified victim of identity theft due to the XXXX data breach, which compromised my personal information. As a result, fraudulent accounts have been reported on my credit file with XXXX and TransUnion. Despite my dispute and the submission of necessary supporting documentsincluding a police report and FTC Identity Theft Reportthese bureaus have failed to block and remove the fraudulent information within the legally required timeframe.

Violation of 15 U.S. Code 1681c-2 Under this statute : ( a ) Blocking of Information Resulting from Identity Theft : A consumer reporting agency must block and delete any information resulting from identity theft within four business days of receiving appropriate documentation.

( b ) Prohibition on Refurnishing Blocked Information : Once an item is blocked, it can not be reinserted or re-reported unless there is substantial proof that the information was correctly attributed. 

One of the fraudulent accounts in question is an auto loan reported by XXXX XXXX XXXX. This account is not mine, and I have never registered or owned a XXXX XXXX XXXX. There is no record of such a vehicle ever being associated with me. XXXX XXXX XXXX XXXX can provide definitive proof that I opened this account and that this vehicle has been legally registered in my name, they must immediately remove it from my credit file. 

Requested Action I respectfully demand that the CFPB intervene to ensure compliance with 15 U.S. Code 1681c-2 by requiring XXXX and TransUnion to XXXX XXXX. Immediately block and permanently delete all fraudulent accounts related to my identity theft, including the XXXX XXXX XXXX XXXX XXXX. 
XXXX. Provide written confirmation of the deletions. 
XXXX. Cease any further reporting of the fraudulent information to third parties. 
XXXX. Investigate and enforce compliance to prevent future violations of this statute. 

Failure to comply with this federal mandate is a clear violation of my rights as a consumer. I expect the CFPB to take swift action to hold these credit bureaus accountable for their non-compliance. 

Please confirm receipt of this complaint and provide a response regarding the corrective actions taken. Thank you for your time and attention to this urgent matter. 

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

My mortgage loan was paid in full, funds wired directly to the lender from title. The mortgage company is still reporting my mortgage as an open balance when it should show paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

showing late which it shouldn't be showing late payments for the account number listed below. Transunion haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identify theft / fraud took place to open bank accounts in my name / credit accounts/ there are addresses/ phone numbers on my report that do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a high credit amount of {$55.00}, this is a deposit account and not a credit line extension. The balance of the {$55.00} was an overdraft of the account. XXXX XXXX XXXX was also included in a XXXX XXXX bankruptcy filing and should be reporting any debts nor high credit limits on my consumer profile, and this account has also reached the statue of limitation to report negative items in which it was established in XXXX and included in a bankruptcy in XXXX. There are no legal grounds to update an account once it's included in a bankruptcy. Therefore, XXXX XXXX XXXX  is violating my federal consumer rights by continuing to report past the statue of limitation and also by continuing to report negatively after being included in a bankruptcy. Adding notes to the account doesn't take away the negative status. This is a serious violation and XXXX, XXXX, and Experian are co-conspirer in the negative reporting and not updating my consumer report in accordance to the federal consumer laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I received a unexpected transfer into my XXXX account. Unbeknownst to me a relative had meant to send money to a different recipient. I researched XXXX help page and learned that XXXX  would return a payment made by mistake at the request of the payee with the recipients permission. ( See attached ) The recipient requested a cancellation so I contacted XXXX customer service via chat within their app. I informed them of the situation and authorized the payment to be cancelled, as it was still in XXXX system - as is required according to the help page ( Reference attachment ). I was told this wasnt possible because my account was frozen and that theyd paid something on my behalf ( which I didnt authorize ). They informed me that in order to cancel the payment I would be required pay my balance. I was unable to pay it in full at the time and didnt know theyd even made a payment on my behalf. I could find no verbiage in any disclosure that contradicts what their help page states. The verbiage on their page is misleading in stating that after the recipient contacts XXXX to confirm cancellation that ( XXXX Customer Service ) would be happy to take care of the rest. The customer service agent ( s ) I spoke with were very unhelpful and unprofessional. 

XXXX chose to hold a payment that wasnt authorized for me in order to have me pay a balance on my account. Furthermore, XXXX wouldnt let me make a payment on my account from my current balance ( which at this point now had {$400.00} of someone elses money which they were holding hostage ) -forcing me to make a payment with an outside payment source in order to collect fees. Between misleading information regarding the process of cancelling a payment and the fact that they are holding or forcing me to hold money that was not intended for me and thus doesnt belong to me, I believe XXXX has violated CFPB regulation.
Product: Debt collection

I received a credit alert of an collection reported. I contacted the reporting company Fair Collection Outsourcing. I spoke to a representative by the name of XXXX XXXX, on a recorded call. I informed him that I have no knowledge of this alleged debt. Along with stating I've never been notified by their company and that is clearly a violation. A debt collector must contact the consumer about an alleged debt before being eligible to submit information about the debt to a credit reporting agency. I immediately requested a validation of this debt. XXXX stated I would receive this letter through email with 24 hours. I never received the requested documentation and it's now reporting over a month.
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. 

Account Name : XXXX XXXX - Account number : XXXX Account Name : XXXX - Account number : XXXX Account Name : XXXX XXXX XXXX - Account number : 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.

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

XXXX  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 the information is inaccurate.