23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Unfortunately my brother passed away, so I had to fly in to Florida for his funeral. I booked a XXXX and beforehand let the host know there were about XXXX  guest staying who were attending the funeral, all family, which was approved. Original dates were XXXX XXXX 2024 for the price of XXXX. On the first day of checking in, XX/XX/2024, me and my family decided to extend our stay for a candle lighting. On XX/XX/2024 I extended for one more day, and I paid the extra XXXX balance in order to extend. Two hours later while I was at my brothers wake I got a notification saying my reservation was cancelled due to a party being thrown. They banned my account, and I wasnt able to contact the host, and had relatives who were invited to the listing to message the host. I had to leave the funeral home to rush and make sure my families things were intact. I called XXXX and was on the phone for an hour. They didnt want to let me speak to a XXXX and when I finally got one on the phone they hung up on me after giving me the run around saying it was up to the host to allow us to stay there but the host said XXXX was giving problems. They never explained why the reservation was cancelled only that we needed to leave. The refund policy for XXXX states cancellations can be overridden if entry is unavailable and if the place is unsafe which it was because the owner of the property is on the federal watchlist. His name is XXXX XXXX and the address of the house is XXXX XXXX XXXX What they did to me and my family is traumatic and unacceptable. The conversation was also recorded. I explained this to my bank Capital One and disputed the claim, showing proof, providing receipts and conversations. Capital one issued me credits. But then said my dispute was denied and took the credit back leaving my account on a negative balance. I tried calling to resolve this with my bank but theyre not willing to help. It was either this first or small claims if nothing can be done. Because of this I have no bank account and Im also getting denials because they closed my account which is leaving negative remarks on my credit. Pretty soon theyre going to send this account to collections. This is unacceptable from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 Transunion, XXXX, XXXX is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$740.00} XXXX XXXX  bal. {$630.00}
Product: Debt collection

XX/XX/XXXX I have sent out certified letters disputing the errors on my credit report. 
asking for proof that I owe debt. and to show me the validity of debt.. 
XX/XX/XXXX they sent me letter saying i am aware they represent doctors that they confirm theres an outstanding balance with no further information like i requested. 
except a bill. 
XX/XX/XXXX I send a second letter Stating that is not enough that I have rights and i have given them over 30 days to remedy situation. Since they can not give proper validation to remove from my credit report. 
XX/XX/XXXX they send me same letter in response. That I am aware they represent doctors. and they have confirmed it is valid and i am aware the balance is outstanding. 
I have disbuted with credit bureas the credit bureas are not doing proper investigations I make phone call to the agency regarding this and ask to remove. 

XX/XX/XXXX they send me yet another letter same as the others. I am aware they represent doctors. the debts are outstanding ... ..they are also over 5 years old They were my fathers he passed away. I have also told the statutes of limitations are over please remove. there are many resons to remove from my credit report 1 not mine i have not lived in florida since XX/XX/XXXX 2. they will not send me proper validation or anything which i lsted in attached letters according to facta FDCPA Fair Credit Reporting Act Violation of Fair Debt Collection Practices 3. statutes of limitations are over. 

I tried calling the agency on bill they had no records and would not speak to me due to HIIPA laws
Product: Checking or savings account

XX/XX/22 - XXXX received Chase text saying account was on temporary hold. Mirroring a legitimate chase website, the link asked for login information and personal information ( social, address ) and picture to verify the account. She didnt think it was out of the ordinary because we were out of town. 

XX/XX/22 - XXXX ( XXXX husband ) Noticed two unauthorized withdrawals from joint account. {$500.00} & {$2500.00}. He called Chase to report. Later XXXX noticed her checking account had an unauthorized withdrawal of {$650.00}. Called Chase to make a report of the account activity. XXXX was Instructed to call claims the following day. 

XX/XX/22 XXXX called Chase to make a report with the claims department and visited the local Chase branch were they closed the compromised accounts and replaced all three accounts. 

Chase claims department denied the claim, stating that the transactions were authorized. 
Both XXXX and XXXX were at work at the time of the unauthorized transactions, no lost cards were lost and Im possession of XXXX. 

Made many calls to the Chase to chase claims department to receive fax numbers to send police reports. For weeks, Chase said they have not received documents. Countless trips to the Chase branch, bankers and supervisors have been helping to send documents & claims still never say they received them. Chase bank supervisor emailed the documents & claims still say they received anything. No get any updates or calls on the status of everything. After everything Chase claims still denied the claims.
Product: Credit reporting or other personal consumer reports

See the attached Debt Validation Demand letter and Cease and Desist Letter.
Product: Credit reporting or other personal consumer reports

I mailed in a dispute letter for these unauthorized and unverified inquiries on my consumer report and my information was compromised in multiple data breaches
Product: Debt collection

I am writing to request your help. I tried to sole this issue with Bank of America in the past but I couldnt get any help. All I am asking is fairness. This creditor must do what Is fair in my case. I was a victim of fraud back on XX/XX/XXXX and I have proof of that ( please see documents attached ). Ive been trying to fix the big issue that this terrible experience has caused. I had no late payments on either of my credit cards before this happened. 

Bank of America was not the only company that I had issues with. I was the victim of business fraud for my XXXX XXXX account as well in XXXX of XXXX. I opened a small XXXX XXXX XXXX and in the process of purchasing equipment I was victim of fraud. Even the police department was involved. I have done everything in my power to get the negative payment history removed. 

It took me about XXXX XXXX years to recover to the point of being able to pay my rent each month. In that time period, my Bank of America account became delinquent as I was not aware that this was happening. A look into my credit history shows the time frame of late payments ( a string of XXXX late payments ) and the good payments leading up to this time. As soon as I was able, I paid both cards down legally. However, my credit was tanked! 

Now, I am finding it difficult to get my score where I need it to be in order to move forward. I have already suffered more than 2 years due to this unfortunate event. I began writing my own letters and making my own phone calls. I am still getting nowhere. It actually looks like they did not even investigate the account! According to the three major credit bureaus, the account has not even marked as disputed. These are big violations under the FCRA. 

I feel stressed out with this situation. I even had to go to the doctor because I started experiencing health issues. I am demanding what its fair. Bank of America must remove the following item of my credit report and provide me a deletion letter for my records. This account is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA : BOA XXXX # XXXX. Opened XX/XX/XXXX. Limit {$3000.00}. Status : Closed. Balance {$0.00}. 

This is the last step that I am taking before taking this issue to the next level. If Bank of America denies a deletion letter and the removal of the mentioned account, I will file suit and I am sure that once I talk to my attorneys, the list of violations will go up. This is causing me financial and mental issues. 

Thanks to whomever reads this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting assistance as Chase has my mortgage loan since 2005 on my home located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is not being reported to the credit bureaus and it has negatively impacted my credit. On several occasions, I have requested that my positive on time payments be reported. The excuse the bank gave was that a refinance would need to happen in order for reporting of the payments that were made. This is absolutely not correct as the bank reports the interest paid annually and I have statements for the loan. 
While Chase may think it is appropriate to request that I refinance and pay hefty closing fees and points to inflate their own pocket. I'm asking for what should have been done for years but not being aware that I have rights that are protected by the Fair Credit Reporting Act they have harmed me due to having a lower credit score. 
I'm requesting assistance to report the payments made which have all been on time and yet Chase has refused to assist other than if I were to spend money to refinance the loan. 
I have exhausted all avenues to get this corrected including mailing a letter to the bank to only be ignored.
Product: Credit card or prepaid card

Ima natural person and not a third party Capital one bank is reporting false and misleading information to my consumer report by reporting late payments, which Congress doesnt define and any open end credit plan shall not be treated as a late payment under any circumstances pursuant to 15 usc 1666b, they are also furnishing false and misleading information which is supposed to be excluded from all consumer reports pursuant to 15 usc 1681a ( 2 ) ( I ) and this infringe my right to privacy as a consumer and they fraudulently charged me for fees to my open end credit plan regarding an alleged late payment that a finance charge is non payable to cash related transactions and I want all the fees credited back to my open end credit plan pursuant to 15 usc 1666c.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of a recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. About consumer safety.
Product: Mortgage

I feel behind on my mortgage payment due to medical issues, I am a disabeled XXXX  war vet and tried to pay and catch up and tried to make arrangements, they told me i was already in forclosure and sent me a check in the amount of {$1000.00} check is dated XX/XX/2017 check number is XXXX and refused to take any of my payments any more, i tried to set up an automatic draft from my checking account and they refused that unless i was to pay amount in full. 
I recieved a notice in the mail stateing they are filling for chapter XXXX bankruptcy and a statemeant, i called them and asked for a pay off of my loan, they would not give it to me, then they told me i would have to call an XXXX XXXX XXXX XXXX XXXX   out of XXXX XXXX NM XXXX XXXX XXXX i called them and they stated that they where getting several calls and that ditech was not there client. i called back and spoke to diffrent rep, and asked for pay off and they said they could not give it to me and it would take 15 days, i called today and requested a pay off amount again and they refused to give it to me, i asked to speak to a manger they kept me on hold and finally tranfred me to ext XXXX i asked for a pay off and they refused to give it to me, i then asked who is your regulator they said they didnt know what that is, then they tell me CFPB, i asked for number and they told me to XXXX it, i then told them i have no internet, and they asked me what that stood for, so i replied to your spell the meaning out and they would not respond, nor give me the number at all. then they put me on hold and told me to call XXXX XXXX XXXX in XXXX XXXX. and said call XXXX XXXX XXXX and hung up. 
I called the number and it is a law firm dont know name but is in XXXX nm, i said i like to offer XXXX to pay off ditech of my note and be done with them and them with me, to be paid XX/XX/XXXX i am tired of the run around and refusual, at the time of speaking with them i didnt remember the check that they returned, so i like to minus my offer from XXXX to XXXX to pay off my mortgage and get title to my home to be paid XX/XX/XXXX. They refuse payment, charge intreast, and still have my money of XXXX and i sure they earned intrest and if i charged them intreast daily on that they would reduce the amount owed to them by that. they give people the run around and drag things on and rude, legal way of stealing from people, and cause people stress, companys like this shouldnt be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, IL continues to send my loan to a collection agency named Transworld Systems , INC.,  when my loan is not delinquent and the amount demanded by this agency is not correct. I have addressed this with the Director of the loan department over a month ago, and he apologized for the error but the problem remains. I received another letter from them XX/XX/2017. The notices they send make it sound as if my loan is in default and the wrong total amount due is demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX  credit bureaus ( Experian, XXXX, and XXXX ) requesting inaccurate information and accounts be investigated to prove accuracy. As of today XX/XX/2023 i have not received any communication about these accounts or if the investigation process has started.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.
Product: Vehicle loan or lease

I have an auto loan on a car with Bridgecrest, a loan company based in XXXX XXXX, TX. My car was declared a total loss after an accident, and my insurance arranged to pay Bridgecrest. I received an official email from Bridgecrest saying my loan was paid in full, but when I contacted Bridgecrest they said the official email was a " documentation error ''. I am living paycheck to paycheck, paying off a car I do not own anymore, and now having to find a new car. Bridgecrest lied to me and damaged my mental health. They should be investigated for their predatory and deceptive business practices.
Product: Credit card

My identify was stolen and listed on the XXXX XXXX Someone opened up several store credit cards in my name without my consent or knowledge in XX/XX/year>. 

I opened a fraud claim at XXXX, XXXX, and XXXX. The other credit cars, XXXX, XXXX, and XXXX XXXX were resolved and closed. 

I received notification of these three cards first and so, filed a report with the FTC. 

I am now filing a complaint regarding a Home Depot card, which was also opened on XX/XX/year>, without my knowledge or consent. 

Citibank, which manages the Home Depot card denied my claim of fraud. Therefore, I am filing an additional complaint.
Product: Debt collection

Received phone call from someone claiming to be from " XXXX & XXXX XXXX XXXX and XXXX. '' The person stated I had a debt owed to US Bank for over {$2000.00} and liens had been placed against my home, bank accounts, and properties. I asked when the original debt was created, as I have filed bankruptcy and my debts were discharged in 2013. The person refused to answer. Then the person stated " Good luck in court '' and hung up. I called back to get further information and the same person answered but could not give me any details regarding the debt and insisted I would receive the information when I was served.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment errors that are inconsistent with my regular payment history. Kindly correct these and update my account.
Product: Credit reporting or other personal consumer reports

My identity is not being identified by Experian through the XXXX Secretary of State website. Its stating my information does not match. I am having no success in reaching Experian and the website continues to crash.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my formal disputes, Experian has allowed inaccurate and unverifiable accounts to remain, damaging my credit standing and violating my rights under federal law. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ), accepting unreliable responses from furnishers without proper verification, and failing to adequately notify consumers of dispute outcomes ( 15 U.S.C. 1681i ( a ) ( 6 ) ). My experience aligns with these findings, as Experian has not corrected or removed the disputed accounts despite clear deficiencies in verification. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, yet Experian continues to report incorrect information, causing me financial harm. This constitutes willful noncompliance under 15 U.S.C. 1681n, making Experian liable for damages. I demand the immediate removal of the following inaccurate accounts : XXXX XXXX XXXX XXXX  : {$8400.00} XXXX XXXX XXXX. Amount : {$280.00} If Experian fails to take corrective action within the legally mandated timeframe, I will have no choice but to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and considering legal action to seek damages. Please confirm in writing that these accounts have been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for responding with the payment history information about account ending in XXXX in your confirmation letter of payment history XXXX XXXX XXXX record states that the last payment credited/paid to account is XX/XX/2017 ( year & month ) in the amount of {$130.00}. however XXXX XXXXXXXX XXXX is reporting to Experian credit reporting agency that there was three additional payments made on account ending in XXXX for the months of XX/XX/2017, XX/XX/2017, XX/XX/2017 which NO payment was ever been made but in fact is being reported! Reporting XX/XX/2017 as last payment made on account XXXX which is not accurate! As stated in your letter account XXXX charged off on XX/XX/2017 yet you report to Experian the account was only 60days late on XX/XX/2017 when in fact the account had charged off already! I have attached your response letter along with Experian credit report as I have done in this past dispute on XXXX XXXX report # XXXX so XXXX XXXX XXXX could be aware of what was actually being reported yet XXXX again certified to Experian it is reporting accurate when in fact it has not for the pass 5yr 8mo! SO THAT I'M CLEAR I'm not disputing the account status or account balance please refrain for using such response, my concern is only the payment history that is being reported inaccurately to Experian! Based on the payment history information you responded with on XXXX XXXX it doesn't match! if you are having an issue reading the payment history report from Experian it is based on year and month account payment reporting. So if you go to year and month you can see what actual is being reported that it does not match you ( XXXX ) record! XXXX has certified to Experian it was reporting accurate information if that is not true this account needs to be deleted XXXX had numerous chance to make correction but filed to do so deleting is required!