23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Ally financial with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay Ally but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and Ally will report the balance as zero, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with Ally is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was suppose to receive {$300.00} bonus offer once I signed up, qualify for it.i did everything I'm suppose to, met all requirements but no payment was given.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 c ( 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 seven years. Lastly, 15 USC 1681 s-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. I'm requesting that the accounts above be deleted immediately.
Product: Credit card

I made a purchase with BestBuy in the amount of {$860.00} on XX/XX/year>. My item was to be delivered on XX/XX/year> via XXXX. My item was delivered to the incorrect address and a delivery photo was provided via XXXX XXXX XXXX XXXX showing that it was delivered to the incorrect address. In the delivery photo the residence and front door is not that of my home, and in the delivery photo there is no address and or Unit number shown. I contacted XXXX on XX/XX/year> and was advised to contact BestBuy regarding my issue. I reached out to BestBuy customer service via the chat feature on BestBuy.com and spoke with a customer service representative named XXXX XXXX. I explained the issue to XXXX XXXX and also provided a photo. XXXX XXXX then advised me that I would be issued a refund and would receive a conformation email with XXXX Hours. I received an email from BestBuy on XX/XX/year>, instead stating that there would be no refund issued to me. I then disputed the charge with BestBuy/Citi Bank in which I was told a letter with a resolution would be sent out to me within XXXX  days of the day I submitted the dispute. I never received a letter and called BestBuy Customer service on XX/XX/year>, in which I was informed that my dispute was closed and that I would not be issued a refund. I was informed by the representative that the resolution was not in my favor and that the item was delivered to the correct address.
Product: Money transfer, virtual currency, or money service

I am writing to formally complain about the inadequate customer service I have received from Cash App ( Block Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 process 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: Credit card or prepaid card

On XXXX/XXXX/17 I payed on XXXX {$1000.00} for 3 rooms for a 2 night stay at a 4 star hotel on the XXXX XXXX strip. I purchased it through XXXX XXXX " hotel express deal. '' The name and location of the hotel is not advertised but the star rating and amenities are supposedly guaranteed. I was assigned the XXXX XXXX XXXX and XXXX which is not located on the strip and lacks the amenities typical of a 4 start hotel in XXXX XXXX. There is no resort, only a small pool. The hotel is not located on the strip. I immediately contacted XXXX to cancel the reservation as it did not meet the expectations based on their advertisement. They refused to cancel. I contacted Capital One and went through their dispute. I gathered pictures and reviews from several websites and submitted those to capital one. The reviews confirmed the lack of amenities and the location of the hotel not being on the strip. There are many people that have been assigned this hotel through that deal, which in my point of view seems like a bait and switch tactic, promising 4 star hotel on the strip and instead getting a hotel 30 minutes walking distance from the strip, that caters only to XXXX tourists and lacks the amenities of a 4 star hotel. Capital one did initally credit me back the disputed charge but XXXX did a chargeback. I again disputed the charge along with supporting documents of reviews and pictures of the hotel, in XXXX but was again charged back. After they reviewed my documents they requested additional documentation, a second opinion on the rating of the hotel by a XXXX peer, which I was unable to provide in the allowed time, about 10 days. They have now closed the case and expect me to pay the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Money Lion is reporting a paid as agree a, with no late payments, as 60-90 or more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to XXXX and XXXX XXXX and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( XXXX XXXX and XXXX ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

14. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card

My husband and I have a Costco Citibank card that can be used anywhere. In XXXXXXXX XXXX XXXX  we purchased a food order for {$20.00} and change. The next day we noticed a charge on our card for {$2000.00} with a weird name as vendor. We put a fraud dispute on the card and said that charge was not authorized. Citibank spoke with us and let us know it was actually the food place that made the charge so we said that we did purchase but not for that amount. We had to change the fraud dispute to now regular dispute. Citibank gave us back the money but then when realized they needed to change the dispute they took back the money. Now we are in XXXX and after speaking with over 5 different reps it seems like the dispute was never put in correctly on their end. They said they needed the receipt for the charge. We had to go back to food vendor and ask for receipt. We submitted this back to Citibank and we were then told its been over 6 Months and wed need to sort out with merchant. We were never told this! And this was completely their error. This has been entirely frustrating and we were now charged back the fees. We made this complaint immediately and spoke with many different reps and everyone said something different. We are now working with vendor and waiting for this reimbursement. We are disgusted with Citibank and have never seen this happen with any bank. Something we moved so quickly with and to get no help at all. We will also file a complaint with better business bureau. Also please keep in mind the merchant was never contacted by Citibank!
Product: Bank account or service

My account was involved with fraudulent activity.Now I am $ XXXX dollars in debt with Bank Of America XXXX
Product: Mortgage

I called XXXX ( who is my mortgage company ) about a payment that was reported as late. I had made this payment on the XX/XX/year>. But the payment was reversed on XX/XX/year> ( XXXX  never notified me that the payment had been reversed but it I checked my account on the XXXX and it had shown the payment was not processed yet ) due to unauthorized transactions being made from my bank account. When I called the customer service representative took forever to find the payment dates and could not even tell me why the payment was reversed I eventually had to find out myself by going through my transactions and finding out that there were at least 10 unauthorized transactions from my bank account with XXXX XXXX XXXX. While on the phone with the XXXX representative I asked if it was possible to have this late payment reversed to which she told me that I would need a statement from my bank saying that the transaction was reversed in error I then asked her how I would go about it if I couldnt get the information from the bank and she simply stated that they couldnt do anything without that statement which is absolutely ridiculous. I called XXXX and started a dispute to which I still have not heard back from. The dispute number is XXXXXXXX XXXX does not offer any payments plans to help with struggling people and yet I have always found a way to make my payments before the 30 day mark, they reported the payment late and then sent me emails and gave me a pop up message that I would get when I logged into my account basically threatening me with debt collection. This mortgage company does not make any attempt to contact you or reach out to you if a payment doesnt post to your account or if it is reversed and they make A LOT of mistakes when it comes to credit reporting a quick XXXX XXXX and youll see the XXXX star rating and the many reviews of people that they have XXXX  over because of their incompetence. I want to have the late payment removed from my credit report because I attempted to pay the payment and I did my part in attempting to reach out to XXXX  and my bank to make everything right. I even told the representative on the phone that I couldve easily made this payment if I had even been aware of it that I had the excess funds to pay the payment twice that day.
Product: Checking or savings account

Wells Fargo is forcing my account to overdraft in large amounts just before my husband gets paid. My account isn't covered by overdraft protection but somehow my account keeps ending up XXXX or more overdraft. When I go through my banking statements I found where XXXX+ dollars is missing from my account every couple of days also causing overdrafts. As of today 's date there is just about XXXX of my tax return missing from my account.
Product: Checking or savings account

I closed my accounts with Citibank on or around XX/XX/2023. I was able to consolidate two separate accounts over the phone. I was told over the phone that checks for the remaining balance for both accounts, one with {$300.00}, and one with {$3800.00}, would be mailed to my address and should arrive in ~10 business days. I called again in late XXXX to inquire where the checks were, as I had not received anything and was told to wait another week as they get delayed in the mail sometimes. I called again in early XXXX and I was told to wait 1 or 2 more business days to receive the checks. On XX/XX/XXXX, I received one check dated XX/XX/XXXX for {$300.00}. The check for {$3800.00} did not arrive and is still outstanding. I called Citibank again on XX/XX/XXXX and received no additional information. 

I called again on XX/XX/XXXX and was told that they would void the check and send a fresh check to my address. The second check for {$3800.00} was issued XX/XX/XXXX and was due to arrive on XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive either check for {$3800.00}. In speaking to the bank on XXXX XXXX, I was told they will void the second check and that I should expect to receive it on or around XXXX XXXX. 

My mailbox is locked and the only people with access are my immediate family. Neither check for {$3800.00} has arrived, and Citibank has no other options available for me than trying to send a third check. The representatives told me they would log my case and file a complaint within the bank to learn from this issue. No explanation could be given as to why the checks have not arrived. I have essentially lost access to {$3800.00} for three months which is a major detriment to my financial wellbeing, just because I do not live in a state with a Citibank office where I could've visited to close my account. This has been incredibly stressful and I do not wish others to have a similar experience.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. Information about the Transactions and the Relationships between each Lender and myself the consumer has been shared with 3rd parties ( Credit Bureaus ) without my consent. 15U.S.C. 1881a ( 2 ) ( A ) ( i ) ( B ) My right to OPT OUT of sharing personal information was Never conspicuously explained to me in the INITIAL Contract agreement. As per 15U.S.C.1681a4 Violation of 15U.S.C. 1581C ; PERMISSIBLE PURPOSE has occurred with each company I have and am currently dealing with. I have resended my consent and have OPTED OUT of 3rd party sharing, as is my RIGHT TO PRIVACY. 
Violation of 15U.S.C.6802 OBLIGATIONS concerning Disclosure of Personal Information is occurring as well as TX Law 4848 Stat 112 CIVIL NONCOMPLIANCE. 
I have sent letters to each company and the Credit Bureaus and some of the companies with little to no results. I have included an affidavit from IdentityTheft.gov with each company and a Police report file number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Incorrect Information from Credit Report| FILE NUMBER XXXX Dear Experian, I am writing to formally request the removal of incorrect phone numbers, non-mailable addresses, and misspelled names from my credit report. These inaccuracies not only compromise the accuracy and fairness of my report but also violate federal compliance procedures, as stipulated in 15 U.S. Code 1681e, 1681b, and 1681c. 

Account Information : Name : XXXX XXXX XXXX Social Security Number : Date of Birth : XXXX The following incorrect and non-mailable addresses are listed on my credit report and should be removed : - XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX B XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX B XXXX XXXX, PA XXXX - XXXX XXXX XXXX, XXXX XXXX PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Additionally, the following phone numbers are incorrect and should be removed : - ( XXXX ) XXXX - ( XXXX ) XXXX Moreover , the following misspelled names need correction : - XXXX XXXX - XXXX XXXX  XXXX These inaccuracies in my credit report breach compliance under : - **15 U.S. Code 1681e** : Mandates that consumer reporting agencies ensure accuracy and fairness . 
- **15 U.S. Code 1681b** : Requires that agencies ensure the information is used only for permissible purposes; listing non-mailable addresses without verification or legitimate purpose violates this provision. 
- **15 U.S. Code 1681c** : Mandates accuracy and completeness ; reporting incorrect and non-mailable addresses violates this requirement. 

I kindly request that these inaccuracies be corrected and that you confirm the actions taken in writing. Enclosed are copies of my identification and proof of residence to assist with your verification. 

Thank you for your immediate attention to this matter. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> XXXX XXXX XX/XX/year> Accounts : XXXX XXXXXXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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 XX/XX/XXXXdays before the payment due date. 


XXXX EXPERIAN 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 XX/XX/XXXXdays before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports