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

A travel trip was planned on XX/XX/2020. All international Travel by Federal order from the US Government on XX/XX/XXXX all International non-essential trips were forbidden due to the current pandemic situation. 
I had used " XXXX '' travel services to reserve some hotel stays. Before the trip, on XX/XX/XXXX I asked " XXXX '' to cancel my reservations and refund me explaining what the US Government had resolved on prohibiting all non-essential international travel trips. I also contacted my Bank of America Credit Card to let them know all international travel outside the US had been cancelled by the US Government. I filed a claim with Bank of America Credit Card to dispute the Hotel charges coming up in the future days. Bank of America Credit Card Services took my claim and decided to follow a dispute on my behalf. The dispute was going to take up to 60 days to get resolution. The 60 days were up this past Monday. The credit for {$240.00} was there all the way up to XX/XX/XXXX. Then, this XX/XX/XXXX Bank of America Credit Card presented this same {$240.00} charge again into my account. I called Bank of America Credit Card once again today XX/XX/XXXX until they accepted my dispute once more for the same reasons described above. Yet, Bank of America Credit Card services knowing all these exceptional reasons of a once in a lifetime pandemic situation that has made many Countries in the world to change their Travel policies and cancel many trips shall have honored the dispute without avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX Balance {$910.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance {$1600.00} ; XXXX, XXXX. XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, I recently pulled another copy of my credit report and noticed the following information are in error and still have not been corrected : This letter is my final communication in regarding the inaccurate entries being reported on my credit report. 

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at : XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : ( List all the companies that have pulled your credit, whom you did not give permission to do so ) 1. XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX 6. XXXX XXXX Inquiry from XX/XX/XXXX 7.  XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my non-drivers license as proof of identity.
Product: Credit reporting or other personal consumer reports

They have the wrong name wrong information. I try to address it to remove the false address. And which that examined question and I have no knowledge about. Does different credit card? Different name does not mean and which that refuse too. And I would like to just have the proper information on my credit report. That's all I want
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and 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 reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to DO THEIR JOB PROPERLY and eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Product: Credit reporting or other personal consumer reports

Account is not mine. 

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

Upon reviewing my consumer reports, I discovered instances of late payments reported on my account with XXXX  XXXX XXXX, Account Number XXXX, which I believe are inaccurate. Consumer Reporting Agencies are required by the Fair Credit Reporting Act ( FCRA ) to maintain accurate and reliable credit information. It is imperative that my credit report reflects correct data, as I have always prioritized timely payments. 

The reported 30-day late payment for XX/XX/year> is inaccurate. This account has been consistently paid on time, with no valid basis for the reported late payment. The payment for this period was made on XX/XX/year>, well within the expected timeframe. 

I request a thorough investigation into this discrepancy and urge you to provide supporting documentation, such as account statements or payment records, to validate the lateness of the payment. If unable to furnish such proof, I demand that the inaccurate late payment entry be removed from my credit file.
Product: Bank account or service

On XX/XX/2016 I was charged {$280.00} by XXXX. On XX/XX/2016, I was also charged an additional {$340.00} by XXXX. Upon check out, The hotel gave me a receipt that shows these two amount would be refunded to my debit card ending in XXXX. But I never received that refund. Wells Fargo sent me a letter saying they messed up their investigation and that the credit of {$630.00} was permanent. But then 2 weeks later took back the money and refuse to give it back. I called the hotel and the hotel manager said they refunded me that money the same day I checked out and that the bank had made some kind of error. The bank does not want to refund me my money even though I have provided them with proof after proof.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, a friend ( XXXX XXXX ) asked if I would accept a transfer of {$100.00} from his friend ( XXXX XXXX ) then withdraw the funds using my CashApp card and give {$100.00} cash to XXXX. I saw no reason to object and completed the transaction as described. On XX/XX/2020 XXXX asked me to do the same, and so a second transaction for {$100.00} was completed. 

A week or more later, I was informed by CashApp that the sender had filed a dispute with his credit card issuer and that CashApp had issued a " refund '' to XXXX  with no authorization from me. What's more, because there were no funds in my CashApp account, CashApp helped itself to funds in my linked checking account with XXXX. All of this was done without my knowledge or authorization. Again, the sender disputed the transactions initiated from his account ( CashApp has refused any further information on the nature of the dispute ) and requested a refund, which CashApp issued with no due diligence, no inquiry, no notice, no permission. 

I now suspect a scam with my friend XXXX ( and arguably CashApp ) a willing participant. XXXX first feigned surprise and assured me he would sort it out immediately. He then assured me that a mistake had been made, that XXXX did not intend to dispute the transaction and that somehow in trying to correct his mistake, XXXX had accidentally disputed the second transaction. This sort of chaotic response is typical. Next, when I pressed for an update, I was cast as the wrongdoer and XXXX ( who ended up with the money! ) cast as the victim. Again, familiar patterns of behavior. It's XX/XX/XXXX and no one is working to recover my {$200.00}. XXXX initiated the scam. XXXX has the money but has no connection with CashApp and no longer returns my phone calls. CashApp accepts no responsibility. They are hostile, insisting that I should work this out with the sender. I have no way to contact the sender and CashApp refuses any further assistance, and offers veiled threats of account closure for troublemakers like me.

Clearly, I need to choose better friends but where was my miscalculation of risk? It seems my expectation that CashApp would take reasonable steps to protect my interests when handling my funds was ill-founded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car lease with XXXX XXXX XXXX XXXX. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times i have disputed with Experian about these student loan accounts. They have failed everytime to provide me with proof of verification. They have not provided me with an answer well over the 30 days. US dept of education was reported to my credit report 3 times. Each 3 have different balance amounts. All 3 accounts say they were open XX/XX/2011. These accounts has been on my report for 10 years and 7 months. Everything about this situation is not right. These accounts has been on my credit report for over 10 years. This is a automatic removal. All 3 accounts shows 3 different balance amounts. This is a automatic removal because this is inaccurate reporting, and because the same account has been reported 3 times. this goes against the fair credit reporting act 100 %. And Experian knows this. And still refuses to removal, or they are simply ignoring this matter.
Product: Credit card

I received a letter for pre approval on a Capitol One platinum credit card. I read the potential reasons for getting declined even with a pre approval letter and because nothing on my credit fell under those reasons I chose to still apply. I was declined but they offered me a se ure card instead. I now have a hard inquiry added to my credit just so they can try baiting me into a secure card. I say this because all of the reasons they gave me for being declined, are issues with my credit that have been ongoing for over a year. This means they already had all of that data available to them before sending me a pre approval letter. If they already knew that information, then why are they sending me a pre approval letter if there is a guarantee that they will decline me, but then offer a secure card instead at a 30 % interest rate. Now I have a hard inquiry on my credit that will be on there for XXXX  years just so they could try baiting me into a super high interest rate on a secure card. This seems like predatory lending to me. If this happens just because they use an automated system for these letters, then they should not be allowed to use such systems. Clearly they should have known I would not have been approved with the data available to them and it's wrong for them to try getting business in this way.
Product: Checking or savings account

Opened new account in XX/XX/XXXX in order to take advantage of a New Account Bonus  offer of {$750.00}. I met all qualifications for the offer and inquired into the payment of the bonus in XXXX of XXXX. I was then told that i did not use the right promotional landing page in XXXX of XXXX. I have actually worked in the XXXX XXXX for 28 years and feel better equipped than most to fill out a new bank account online. 
The fact that HSBC said i used the wrong landing page feels deceptive and i have since closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report to prepare to purchase and speaking with my lender it was found that Kia Motors Finance has inacurately reported a late payment in XX/XX/2018 upon my credit. Contacted Kia to inform them of the discrepancy and the representative as well as the manger i spoke to advised it was nothing that could be done unless i disputed it. I advised to them verbally that I dispute the inaccuracy. They both refused to take my dispute and said that it had to be in writing or just do it through the credit bureaus. I know this to be inaccurate, I know that per the FDCPA I as a consumer am able to verbally dispute matters and it must be accepted and noted as being disputed. Again after explaining this to both the rep and the manager they still both refused.
Product: Mortgage

Ive received a letter from NY bankrupcy court VS Ditech ( who my mortgage is thru ) wanting me to fill out a form of liabilities and assets. I cant seem to find the form they speak of. And I discovered when I checked their website that my payment for the month of XXXX is not showing to be paid. I made my payment on XX/XX/2019 qnd it cleared the bank. I have tried to call them but with no success. I have no idea where to get help with this. Please give me some feedback.
Product: Debt collection

Interstate Recovery Services is pressuring me to pay a debt they claim I owe ( {$890.00} ). Deceptive marketing, fraud and harassment tactics are used in attempt to collect payment for so called magazine subscription contract from All American Readers ( ARR ) that they say I owe. I was contacted by XXXX saying that they would send me a free {$250.00} gift card with the purchase of XXXX magazines. I rec 'd the magazines but not the gift card, then began being charged $ XXXX on my debit card. I tried cancelling but could not. My bank reimbursed me and cancelled my card. Now I receive constant calls and letters threatening legal action if I do n't pay. And have been turned over to Interstate Recovery Services for collection of so called debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized the following inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We switched from XXXX to XXXX on XX/XX/2016. We were advised that XXXX would pay {$650.00} per line to switch us. We had XXXX lines so that is {$1300.00} to pay for any and all fees. As of XX/XX/2016, we have been getting threatening calls from XXXX about our account. We advised them at the end of XX/XX/2016 that we switched and our account should be handled by XXXX soon. The phone calls stopped. Today, XX/XX/2016, the harassing calls started again. It has not been 60 days yet and they are threatening to attach this to our credit. They have been advised that XXXX is processing the refund. I have spoken with XXXX and XXXX, only to be given a run around. I have also spoken with the company Convergent Outsourcing ( the company formerly pretending to be XXXX in XXXX but now calling themselves Convergent Outsourcing ) and they have been threatening as well. I do not feel that either company has given the appropriate and fair amount of time before calling and harassing us for the payment from XXXX. I called the FCC, FTC and now the CFPB. Can someone please make them understand how the Fair Debt Collection Practices work. When we get the pre-paid Visa 's from XXXX, we will gladly give it to them which should be within a few more weeks based on XXXX statement.
Product: Credit card or prepaid card

Unverified information reporting incorrectly {$1000.00} for inaccurate report of miss information on my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

Hello, My identity was stolen, their was incorrect address on my credit report that Ive never lived at I lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My parents do everything for me. I dont own a XXXX I XXXX XXXX, let alone have a XXXX  card, there is a XXXX  card and XXXX  loan thats in my name. That I have no knowledge of, when I went to file a police report I got turned down because I didnt have the information thats on the accounts but I dont know the information thats on the account and I tried to get them Over the phone with the companies but had no luck, Please assist
Product: Credit reporting or other personal consumer reports

Have a Hard Inquiries from XXXX XXXX. This is not me. I moved 2 years ago, new owner has been opening credit cards in my name fraudualently
Product: Bank account or service

my wallet was stolen back in 2009 .this was during high school. someone put a fake check into my account. 
I told the bank I did n't know anything about this situation until a copy of the check came in the mail. the point of this complaint is to get to the bottom of this situation and to clear my name. my name is XXXX XXXX XXXX and my phone number is XXXX, my ss # is XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Rates are high car was repo I trying mk a free payment but they still sold da car n I still try too mk a payment plan but da one they give me is a XXXX XXXX they want removed it frm my report dis is still reporting too my credit report n they sold da car last year
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 15 U.S. Code 1681e - Compliance procedures ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit report thank you
Product: Checking or savings account

XXXX charged me for a purchase XXXX on XX/XX/XXXX the item was returned and refund processed on XX/XX/XXXX. XXXX then went and fraudulently without my consent recharged my account on XX/XX/XXXX for XXXX and Ally said that I got a refund which was not true the second charge was never authorized by me and should not have been taken from my account. 

I have been trying to work with Ally about a XXXX charge which was fraudulent the merchant never sent anything but stole my money Ally said they were looking back into it and failed to attach see pictures where they said I can not get product or money as Ally failed to protect me this purchase was in XX/XX/XXXX XXXX XX/XX/XXXX ally also blocked me access to statements and funds when tried to withdraw
Product: Debt collection

Merchants and professional have created financial hardship for myself by damaging my credit with a debt that they can not properly validate and prove that the debt belongs to me. I have disputed this matter with them via regular mail and also with XXXX. Yet, Merchants and Professional continues to report this invalidated debt to XXXX.