23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/2023 I was forced to buy another airline ticket from XXXX XXXX in the amount of {$1400.00}. I had previously purchased an XXXX XXXX ticket but at the airport that previously purchased ticket could not be used due to a visa issue. The issue is I was already allowed to check-in by XXXX XXXX XXXX They did not discover the visa issue until I had checked in. At the gate and way before the previously purchased flight was to take off XXXX XXXX, XXXX and I found another flight they were going to transfer me onto that would require no visa. The problem was XXXX XXXX had a system issue and could not uncheck me in. They tried for four hours before the original flight was to take off, even calling their top support but was unable to do so. What that meant was they could not transfer my ticket to a new flight. XXXX XXXX apologized several times and indicated they never had this problem before. Since I had to get to my destination I was forced to purchase another ticked and request a refund - per XXXX XXXX at the gate since it was their system problem that caused this. 

My issue now is Sam 's Mastercard is refusing to consider any information I have sent then on multiple occasions and have refused to call me to discuss despite my numerous request and emails. All they to rely on what XXXX XXXX has sent to them back in XXXX of XXXX  stating no refund. Sam 's Mastercard continues in its failure to listen and consider the information I have sent to them. 

Also note XXXX XXXX, has never responded to my same complaint.
Product: Debt collection

Avante disclosed personal/specific alleged debt specifics to a third party at telephone number ( XXXX ) XXXX, which is not any point of contact for myself
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota motor credit co has made incorrect and inaccurate credit reporting and has violated my privacy as a consumer. In addition, Toyota has been contacted my me multiple times since XX/XX/XXXX and has been non-responsive in providing me the documentations proving debt. On my credit reports Toyota has claimed account is closed yet has on the records as being charged off since XX/XX/XXXX. I voluntarily turned in the vehicle and was never given 1099c nor police report for auction sale nor any other document demonstrated the balance still due for the vehicle. They have used my personal and private information to benefit monetarily and are accusing me of owing debt that is not mine. They are impacting my daily life and not doing what is fair and equitable to me, the consumer. I demand Toyota show me the balance and return to me what is due with proper tax forms for my accounts.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take address fraud on their platform, leaving my account vulnerable 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 the violations.
Product: Credit reporting or other personal consumer reports

Requested to remove XXXX XXXX. I have had an awesome record with no late payments or missing payments. Yet I dont get a response or anything type of help.
Product: Debt collection

I never received notice that I owed this debt. I found out when I went to urgent care and they told me that I had a balance that was sent to collections two years ago. I then came home and looked at my credit report on XXXX XXXX and saw that it just showed up this month, it has n't been on any previous credit reports. The amount that I was told was owed was also different from the amount shown on my credit report. Urgent care had my correct phone number and address in their system so there is no reason that I should n't have received a bill.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024, the following creditors verified debt that is linked to identity theft. I the consumer provided the credit reporting agencies with a police report, an FTC report, as well as appropriate documentation verifying my identity. As mentioned, these are not my accounts. I have no knowledge of these accounts 15 USC 1681b. 

XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 

XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 

XXXX XXXX The item you disputed has been updated, which may include an update to the disputed information. 

XXXX XXXX XXXX XXXX The company that reported the information has certified to XXXX, XXXX, and Trans Union that the information is accurate. This item was not changed as a result of our processing of your dispute. 

XXXX  XXXX The company that reported the information has certified to XXXX, XXXX, and Trans Union that the information is accurate. This item was not changed as a result of our processing of your dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Account # XXXX & XXXX 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 an account without my written instructions.
Product: Checking or savings account

I set up automatic {$400.00} payments every two weeks to my landlord through regions bank who was using a 3rd party called XXXX to transfer the funds. I then received a large sum of money from my company to move to a new city for a relocation package and I set up a new automated payments for my new landlord. Well as soon as I did that regions locked me out of my account and prompted me to call the XXXX number. I called them and they told me I would have to go into my bank to gain access to my account. I live 5 hours from a Regions bank so I could not do this. They also cancelled the automatic {$400.00} payments which was fine because I moved anyways and paid my landlord with a money order for the last payment. 



I was also still able to use my debit card just can not see access my account online. 



I was finally able to go home for the holidays and stop by a regions bank. Apparently my account was marked for fraud and thats why I was locked out. Even though no fraud was done. The lady at the bank had to call an internal fraud hotline. After being on hold for an hour she said I could go and she could conference me in the next day, several days after this, and trips made to the bank by my grandparents on my behalf I was able to gain access to my account. 



Well even though for 2 months regions stopped the {$400.00} payments to my previous landlord. Guess what the first thing they do is? TAKE {$400.00} out of my account!!! 



Called regions immediately and of course they are saying they are opening a case that can take 5-7 business days!!! But now they are not using XXXX anymore its a new company called XXXX. I told them I never authorized XXXX to take money out of my account and the customer service rep told me they notified customers they where switching to XXXX by their website once you logged in on XX/XX/XXXX. When I did not even have access to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS XXXX XXXX. NO ONE ELSE IS SUBMITTING THIS COMPLAINT BUT ME XXXX XXXX! 

On XXXX XXXX I sent a dispute letter to Experian. I understand that they have 30-45 business days to respond with verification but they have not! I have been completely ignored! I am in the process of fixing my credit so their non communication is a very big inconvenience!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information on my reports which are causing financial harm to me and my family. I have sent out XXXX  of XXXX to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account XXXX : XXXX
Product: Mortgage

PennyMac is my mortgage broker. They allege they issued a check to pay my property taxes at the beginning of XX/XX/XXXX. However, the city of XXXX did not receive my payment and I had no idea. In XX/XX/XXXX, I received a letter from the City of XXXX indicating that my house would be put up for tax sale on XX/XX/XXXX if I didnt pay my delinquent property taxes. I immediately called PennyMac who told me it would take up to 14 days for them to provide me with the tracking information on the check they had allegedly mailed. I continued to spend hours on the phone with PennyMac and then hours on the phone with the City. Finally, I contacted the mortgage provide who sold my loan to PennyMac. He was able to connect me to someone at PennyMac who issued the check in XXXX for my property tax payment that was due in XXXX. PennyMac never confirmed to me that the payment was made. I had to get confirmation via the city of XXXX. 

Once the XXXX tax payments was finally received by the city, I thought I was in the clear for future payments. However, my tax payment that was due at the end of XXXX has not been received by the city. I called PennyMac to request proof of payment and they informed me that the tax payment was wired on XX/XX/XXXX. However, they would not be able to provide me the wire confirmation number for up to 5 business days. 

Its absolutely absurd that I have spent 16+ hours mediating between the city of XXXX and PennyMac over the payment of my property taxes when PennyMac is legally obligated to pay the taxes from my escrow. I have asked PennyMac time and time again how I can ensure that all future property tax payments are received on time and they have not provided a solid answer. Its infuriating to face possible consequences for being delinquent ( like the fact that my house was nearly put up for tax sale ) when I have no control over the transfer of funds from PennyMac to the city.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : XXXX | XXXX : XX/XX/1987 I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late or XXXX reporting for months after account closure by the creditor. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. No to mention this debt was never validated when requested from the creditor and the Experian and XXXX have failed to do a property investigation ... .. confirming the dates of closure and continually reporting negative and inaccurate information. 

The below account is in violation of FCRA section 623- Which states CRA can report delinquent until closure, post closure/ discharge, CRA can not continue to report negative information months after months. 

XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX See credit report attached for information being disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received an alert from credit wise about a couple of address being reported to my credit profile by XXXX. The addresses were ; XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX And XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reported to my credit profile by XXXX on XXXX XX/XX/2021 and XXXX XX/XX/2021. 
I have never live or traveled to the above addresses. But Barclays Bank reported this address to my credit profile. When I tried to resolve this matter with the bank they kept asking me for the account information which I have no idea about. Previously by the complaint XXXX I was able to stop XXXX from intentionally reporting incorrect information on my credit profile. In the process I lost thousands of dollars because their reporting harm my reputation which led to extra expenses. They also scammed me {$120.00} out of my bank account. They werent willing to return my money or provide compensation for the harm they caused. Just because I dont have the financial muscle to fight them in the court of law. Now theyve gone the extra mile to cause more harm ( fraud ). Again by reporting incorrect information. If there is law and order out here XXXX has to stop ruining the life of a citizen. I call up on the federal and state authorities to stop this company from any further harm to the citizens of this country.
Product: Credit card or prepaid card

I noticed that my total due amount for this month reduced to below {$10.00} even when my auto pay was set to " full statement balance ''. I reached out to CS via chat and was advised that this is totally fine since I received a credit on my account. I then explained that the credit was not due to a payment made by me but due to a credit from a merchant via return. The CS agent further looked into it and confirmed that anyhow I'm still all set and don't need to do anything. I have screenshots of the conversation that I have attached to this complaint. I logged into my account via desktop and found a message at the top of my account page that my auto pay needs to be adjusted else I will be charged interest. Fortunately, I used sound judgment and changed my auto pay to cover my full last statement balance, opposite of what was advised by the CS agent. Can someone look into this and figure out what's going on? Luckily I had been looking into my account and caught this issue. In the future I would not like this to happen.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the persistent issue of inaccurate derogatory items and charge-offs reported on my credit profile by Trans Union XXXX XXXX XXXX XXXX Despite my efforts to resolve these inaccuracies directly with the credit bureau, they have failed to correct or remove the erroneous information. My credit profile includes several charge-offs that are being inaccurately reported. These accounts are either not my responsibility or have been settled but remain incorrectly listed as charge-offs. There are additional derogatory marks on my credit profile that are outdated or unverifiable. These items have unfairly impacted my creditworthiness, livelihood and overall financial standing. I have previously disputed these inaccuracies with Trans Union, providing supporting documentation to substantiate my claims. Despite my disputes, the derogatory items and charge-offs remain on my profile, indicating a failure to properly investigate and correct the inaccuracies as required by law. 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : Under this section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed information and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 15 U.S.C. 1681c - Requirements Relating to Information Contained in Consumer Reports : This law stipulates the types of information that can not be included in consumer reports beyond certain time limits. Equity jurisprudence principles demand that wrongs be remedied and fairness maintained. Clean Hands Doctrine : This principle asserts that one who seeks equity must come with clean hands. My efforts to rectify my credit profile inaccuracies demonstrate my good faith and honest conduct, warranting equitable relief. The principle of subrogation allows me to step into the shoes of the creditor to rectify any inaccuracies. In this complaint I have provided a few federal cases to support my claims. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case underscores the broad equitable powers of courts to ensure justice is served, including ordering remedies that ensure fairness and correct wrongs. XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that creditors must ensure the accuracy of the information reported to credit bureaus. Failure to do so can result in damages awarded to the plaintiff for harm caused by inaccuracies. XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case highlighted the obligation of credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The court held that failure to conduct such an investigation could lead to liability for damages. 

Thank you for your assistance in resolving this matter.
Product: Mortgage

XX/XX/XXXX I made 3 payments. XXXX did not apply my payments correctly because of that they left my money I paid in limbo making it look like I was on schedule with my payments. Then in XX/XX/XXXX they sent money back to me that I paid. Causing me now to be behind in payments due to there neglect in apply my funds properly. So they are reporting me as delinquent and saying I owe money to make sure I am up to date. I called and tried to talk to them and all they wanted to do is blame me and take no responsibility. To this day they are harassing me about it. They act as if they report to no one and I feel like I am being bullied by them.
Product: Debt collection

This account was removed from my credit report 3 times, and each time it was reincerted, it also was REAGED with a different open date.I never received the mandatory 5 day letter in the mail prior to reincerting this on my credit report. 
This is a clear violation of my right to only have accurate info reporting on my credit report. I do NOT owe this company anything.
Product: Credit reporting or other personal consumer reports

A privacy issue concerning my personal information on my credit report. I am invoking my rights under the Gramm-Leach-Bliley Act ( GLBA ) and seeking clarification regarding the sharing of my personal non-public information. My rights under GLBA, which outlines provisions for the privacy and protection of consumer financial information, may have been violated. Specifically, I am concerned about the unauthorized sharing or use of my non-public information. I am requesting the following information to ensure compliance with GLBA : Documentation of Consent : Please provide any documentation that demonstrates my explicit consent ( OPT-IN ) for the sharing of my personal non-public information. This may include signed agreements, contracts, or any other relevant documents Initial Notice : Kindly supply a copy of the " initial notice '' that should have been provided to me at the establishment of the customer relationship. This notice should outline the terms under which my personal information may be shared. Contracts and Agreements : Furnish any written contracts and agreements between myself and
Experian that explicit

ly grant permission to share my personal non-public information. As per GLBA regulations, the sharing of personal information requires explicit consent, and consumers have the right to know how their information is being used. If the requested documents can not be provided, are not found, or do not exist, I assert that any information on my credit report related to this issue is not in compliance with GLBA. I kindly request that you provide the requested documentation within a reasonable timeframe of XXXX XXXX days from the receipt of this letter.
Failure to do s

o may compel me to escalate this matter, including filing a complaint with regulatory authorities, to ensure my rights are protected under the law. I only received the attachment no proof of written contracts and disclosures that I signed giving you consent to share my NON-PUBLIC personal information And sell my information for MARKETING ARE NPI VIOLATION
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Since the beginning of XXXX, I have submitted countless disputes regarding fraudulent charges and provide information on the thief, who stole my identity along with government documentation and was dismissed by the company. I was told I would have to do my own investigation and that they would not be looking into the case because they assume their consumers liable at all costs. I finally filed a dispute with the credit bureaus in XX/XX/XXXX as a result of the ineffectiveness from being ignored by Goldman Sachs bank where the account status that has been closed then added 19 late payments to my credit report. 
My Account information was stolen and used to pay for various miscellaneous items from car parts, tires to food and rent. I was able to find the person responsible and regardless of my reports of them I have been silenced and retaliated against by Goldman Sachs. A banker even told me they do not accept fraudulent charges or send their accounts to collections because they are trained to collect their investors money back by destroying consumers credit. This is a violation of my rights and unethical.
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX  mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was XXXX. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a XXXX cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXX account in XXXX  XXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither XXXX, XXXX XXXX nor XXXXXXXX XXXX will give me any updates on the investigation.We have solid evidence that neither my wife nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, 8 months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.