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

Good morning, I made a reservation at the XXXX XXXX XXXX XXXX XXXX ( details below ) and used my capital one card ending in XXXX for the deposit of {XXXX}. The deposit was to return to my account in 3-5 business days and never occurred. I called the hotel multiple times and said I had to contact my bank. I then filled a claim with capital one which was later denied due to documentation the hotel had provided. 


XXXX XXXX XXXX XXXX XX/XX/XXXX Check in XX/XX/XXXX, XXXX XXXX  Check out XX/XX/XXXX Duration of stay 1 night Address XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX Phone number XXXX XXXX Confirmation number XXXX There is no valid documentation, I paid for my reservation online, no room service at the time due to covid-19 and they never filled a claim for damages made in the room. 

My bank statement shows three transactions posted : XX/XX/XXXX XXXX XXXX XXXX Purchase - {XXXX} XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Provisional Credit + {XXXX} XX/XX/XXXX Icon Dispute Credit Reversal - XXXX XXXX XXXX Dispute Credit Reversal - {XXXX} Today on XX/XX/21 I called my bank again and they informed me once a case was closed there was nothing else to be done. 

I called they hotel and they wouldn't tell me when a manager would be available and transferred me to customer care.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/2022 Balance : {$6700.00} Credit Limit : {$6000.00} Status : Closed/Charge off Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting my credit report from XXXX, I disputed items on my reports that don't belong to me and therefore considered fraudulent activity using my identity. On XX/XX/2021 I got an update from XXXX when login in to my account. It stated that " I previously resolved 5 disputes with " XXXX '' : 1 ) XXXX XXXX ( deleted ) 2 ) XXXX XXXX ( deleted ) 3 ) XXXX XXXX  ( deleted ) XX/XX/2021 4 ) XXXX XXXX ( deleted ) XXXX XXXX 5 ) XXXX  ( deleted ) XX/XX/2021 My chief complaint is that : My credit report hasn't been updated, nor have my credit score. Due to a complaint, I filed against XXXX, I can't help but to think am being treated bias as a for of retaliation against me due to me making complaints involving them. I originally did a dispute in XX/XX/2021 & XX/XX/2021 for all these items to be removed due to fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a account by the name of capital one ran my credit and issued someone a card i have no knowledge of this account please block and remove this account from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes, and is cause actual damages. 

According to FDCPA 1006.30A/New Rule REGULATION F and its new rule by parking this alleged debt on my consumer reports. 

I am reaching out to XXXX in regards to this account and I am receiving vague communication and was emailed a letter on XX/XX/2023 stating they received information that " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

This letter is in response to your recent claim that Portfolio  Account # : XXXX / PORTFOLIO RC Account # : XXXX has verified that the account they are reporting under my name is accurate. I noticed on my Consumer Report that this company is reporting this account TWICE under two different names, one is named Portfolio and the other is called Portfolio RC.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a payment plan in motion and up to date with XXXX for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.
Product: Credit card

On XXXX XXXX I submitted on a web page to try a product for a trial period. The trial period was 18 days. On Sunday XXXX XXXX ( 18 days later ) I attempted to contact the business to cancel but no one was in the office. I called back on Monday ( XXXX ) but got the answering machine again. I then contacted Capital One ( my credit card merchant ) to get their help. The capital One representative called the business in question only to receive the same message I had gotten that no one was in the office. On Tuesday I contacted Capital One and we talked to a representative from the business in question. The rep advised that I had not canceled in time. She said there would be no refund. I hung up but checked my calendar and realized I had called in time. So Capital One and I called back. We went round and round and finally she offered to refund me half of my money. I told her I was not happy with that but to send it. 
I am writing this because I truly feel that I have been wronged. The trial period started after I made the transaction on the XXXX. 18 days later is Sunday XXXX XXXX. No one was in the office so I could not cancel. No one was in the office on Saturday XXXX XXXX so I was really only given a 16 day trial period. Is n't this fraud? The rep told us that they had reps in the office on Monday but the capital One rep read her notes that proved a call had been made that Monday and that no one was in their office. As I have understood trials like this if it ends on a Saturday or Sunday then the trial is usually extended to the next day that is not a Saturday, Sunday or holiday. The company rep told me I should have just called on Friday. So much for my 18 day trial. Can you help?
Product: Credit reporting or other personal consumer reports

XXXX account with XXXX is inaccurate on my report. I've never rented an XXXX  at XXXX XXXX XXXX due to me stationed at XXXX XXXX. North Carolina at the time of incident. This account is inaccurate and should not be on my report, please remove immediately! 

XXXX XXXX account with XXXX is inaccurate on my report. I've never had a credit card account with XXXX XXXX and never opened an account with them on XX/XX/2021. This account is inaccurate and should not be on my report, please remove immediately! 

XXXX XXXX account with Experian is inaccurate on my report. I've never had a credit card account with XXXX XXXX and never opened an account with them on XX/XX/2021. This account is inaccurate and should not be on my report, please remove immediately!
Product: Credit reporting or other personal consumer reports

Proof of validation and verification of debt with full name and address and if charged off, I never received XXXX. 
DISCOVER BANK XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance {$600.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024, I wrote to XXXX, TransUnion and XXXX to dispute inaccurate information on my credit report. XXXX, TRansunion and XXXX failed to investigate and provide investigation results for the following accounts within 30 days as allotted by law : XXXX. XXXX XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX Inaccurate Reporting, missing data : XXXX. XXXX  XXXX XXXX  XXXX Inaccurate Reporting, missing data : XXXX. XXXX XXXX XXXX XXXX. XXXX Inaccurate Reporting, missing data According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information contained in consumer reports. The inaccurate information related to the above referenced accounts violates this standard of accuracy.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when disputed information is found to be inaccurate or can not be verified, the credit bureau must delete or modify the incorrect information.
Product: Mortgage

My mortgage was with OCWEN for years and years without any problems. As of XX/XX/XXXX of this year the mortgage was transferred, why I don't know, to PHH Mortgage  which is a subsidiary of OCWEN. My home owners insurance company contacted me and let me know that the premium was not paid and my policy will lapse on XX/XX/XXXX. The new mortgage company escrowed the funds to pay the insurance, just as it has always done, but never made the payment. The insurance company tried, without success to call PHH and I have tried to call PHH. The last time I was on hold and switched between operators for over and hour and 45 minutes. Just to be told my account has been assigned to a specialist and only he can handle any problems or questions and he is not available. I can leave my name and number and he will return my call within 48 hours. I even told them I would pay the insurance out of my own pocket that I just needed an address to which to send the binder to prove I still have insurance and they said they could not give me an address. I think they are making my policy lapse on purpose in order to sell their own insurance product, which is much higher premium. I have never been late on a single payment and have excellent credit. This feels like a scam because no company could be this bad and still stay in business. I have no idea what to do now, CAN YOU OFFER ANY HELP OR ADVICE?
Product: Debt collection

I received a letter stating that i have a contract with them alleging that I owed this debt to this company without receiving any proof of it of this alleged debt and enforcing to pay the amount and also they ar demanding payment or will pursue legal action and that is also illegal with having no proof of A copy of the original purchase agreement, Proof of the assignment contract, Explicit proof of my consent, Legal justification.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, In this follow up, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues XXXX require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XX/XX/year> ; XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$24000.00} XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$5400.00} to XXXX on XX/XX/2024. The transaction was cancelled by Moneygram and they informed me they would refund the money plus the transfer fee of XXXX. Unfortunately they have not refunded. I have been calling them for the past 5 months and every time, they tell me something different. 
On XX/XX/XXXX Moneygram e mailed me saying We wanted to let you know that we have receive your complaint regarding your refund for your reference # XXXX. Can you please share with us your bank details, so we can issue the refund via wire. 
Please mention your case number XXXX in all future correspondence with us. 
I sent them my bank details but nothing happened. I kept calling to no success. Then on XX/XX/XXXX they emailed me saying We would like to inform you that we have completed our investigation regarding your comments. Our records show that your transaction has been refunded back to you. In order to meet our compliance requirements, MoneyGram actively reviews transactions and, from time to time, may put restrictions in place. 
I have asked them to show me where the refund was sent to if ever but they will not comply or reply. My bank has no record of any refund. Its been ongoing for about 5 months now and I need my money back. Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights as a consumer 15 U.S.C 1681 section 602 A States i have 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 and without legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).
Product: Credit card

redit card is reported late to credit bureaus ; however, the payment was made on time. I was charged and interest fee higher than the minimum about due which made the paymnt I made under the amount needed. This is not fair. I have ALWAYS paid my accounts on time. Fees should not be more than the minimum payment due.
Product: Bank account or service

Santander Bank N.A. is reporting to the XXXX major credit bureaus an account that is not mine. It may very well be an account that was upon fraudulently, as I have been a victim of identity theft. I have submitted online disputes to the XXXX major credit bureaus. XXXX completed its dispute stating that the creditor has updated the status showing that the account belongs to me. The dispute is still pending XXXX. I have been therefore informed to contact the creditor directly. When I did, I spoke to a XXXX or XXXX at XXXX XXXX XXXX XXXX. I was then informed that I needed to contact their Fraud Prevention and Security area at ( XXXX XXXX XXXX. I have contacted the Fraud Prevention and Security area, and was informed that someone will be calling me back. I have not received a returned call to this date. The account was updated without Santander providing any proof that the account is actually mine, and with no further explanation, and with no returned phone call to go over the issues with me. Also, if I recall correctly, XXXX of the representatives mentioned an another address associated with this account that was not connected to me. Further, since I know nothing about this account, I 'm not sure exactly what type of account it is ( e.g. banking or credit card ).
Product: Credit reporting or other personal consumer reports

It is showing bankruptcy dismissed and it is not I am currently in it my payments were deferred during the pandemic as I lost my job due to the Covid pandemic in 2020 it started back up and I have been paying ever since how do I get this off I can never rebuild my credit with this on it it looks like I did not pay it and that is simply not true my attorney gave me this website for me to go on and try to get it cleared up
Product: Debt collection

on XXXX/XXXX/XXXX I received a phone call from someone claiming to be from a law firm called wilson riley and associates stating that they were going to be filing check fraud charges and take other types of legal action against me because they stated that i had not paid back the loan. 

I had paid a collection agency a settlement on the original loan in the amount of {$270.00} in XXXX. Upon talking to a representative of the law firm they told me that they had spoken with the collection agency that was told they had no record of my payment and to avoid being arrested and jailed i must immediately pay them. 
They did n't want to see my record showing that i had paid the debt. 

On XXXX/XXXX/XXXX they got hostile and hung up on me when i informed them that i was recording the conversation and that under the fair debt collection act they had to send me a letter in the mail containing information related to the debt that they claim i owe. 

XXXX and riley is not a legitimate law firm or a debt collector and upon further research other people have had similar experiences with these people. 

the number they are calling from is a XXXX michigan number but they claim to be in new york. their number is XXXX XXXX XXXX. 

also on XXXX/XXXX/XXXX they called my brother from another number and stated that they had warrants out for my arrest related to the issue stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a late payment on my Equifax credit report for 6 years. They are showing a late payment on a mortgage with XXXX XXXX XXXX from XX/XX/2018. XXXX and XXXX do not show this late payment. I supplied Equifax a copy of a letter from XXXX state the late payment was in error due to XXXX XXXX. Equifax refuses to update this account.
Product: Checking or savings account

I have been attempting to resolve this for nearly 8 months, I have spoken to branch managers, telephony support, XXXX XXXX and recovery department. I have been with US Bank for over a decade. This was a secondary accounts used by my son, I was actively working to resolve and the bank closed the account and sent my account to collections within a week and added a negative marking to XXXX XXXX. 

I have made several attempts to pay this balance and get the marking on XXXX XXXX removed. I have over a decade banking relationship with US Bank, and have not be treated as a long standing customer. There has been little attempt on the bank 's behalf to resolve this. This has been ongoing for 7 months.
Product: Mortgage

To whom it may concernXXXX XX/XX/XXXX XXXX XXXX XXXX sold our loan to Nationstar Mortgage. In XX/XX/XXXX we received notification that as of XX/XX/XXXX, we are to make our " regular '' payment to Nationstar Mortgage. 
We never signed any documents with Nationstar or anything. We were advised that nothing should change. So as of XX/XX/XXXX - XX/XX/XXXX all was fine. XX/XX/XXXX our payment goes up by {$200.00}. 
I start calling Nationstar to get some kind of assistance in understanding how is it that my payments are going up by {$2400.00} per year. The only response I am able to get is that " oh no ma'am, we did an escrow disclosure statement and that is what it shows. '' So, basically they do n't feel that they need to explain anything to me. I made at least XXXX phone calls and no one has helped me. I have made EVERY single XXXX of my payments on time ( see attached copies of each payment ). However, they show that we 2 months behind. Our credit is shot because of this. I am unable to get any supervisor to help me straighten this out. I manage to reach someone who seemed to want to get this resolved and for a month was actually corresponding with me via email ( see attached ). He referred this to a supervisor who is yet to contact me. I emailed him all of my figures along with copies of the checks that I returned back to Nationstar. Nationstar has no locations in California so I am unable to go into a branch to speak to anyone. We were sent escrow statements in this period of time. They are quite confusing. I created my own statement of what I have confirmed that Nationstar paid for us and what we paid to Nationstar. By my figures, we over paid Nationstar by {$5400.00}. I am attaching my own figure that I have also forwarded to them. 
We are at our wits end with this. 
Please help us get this resolved. 
Regards, XXXX ( XXXX ) XXXX
Product: Credit card

I called US Bank XXXX XXXX customer service on XX/XX/2024, XXXX EST about a rewards question on my US Bank XXXX XXXX credit card. I noticed that after XX/XX/2024, all my XXXX Pay transactions only got 1X points, instead of 3X as shown on their card benefits. The guy who picked up the call was extremely rude insulted me for not understanding English and asked if I needed a translator ; he was even happy with me bringing this case up. Clearly, US Bank is not only messing up with its reward program, but also discriminating against minority groups.