23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I booked a rafting experience ( {$270.00} ) on XXXX in XXXX using my Bank of America credit card. However, this website had bugs displaying my shopping cart and the checkout pages, it showed only the item ( {$270.00} ) I wanted to book on pages as I checkout but processed one more item ( {$280.00} ) when my payment was submitted. 

The unexpected item ( {$280.00} ) is something I browsed in another page but never showed in the checkout pages. The two items are rafting experiences from two providers on the same day with only 15 min difference, which means I can never take both. 

I contacted evendo.com immediately, but they are a company in XXXX and didn't respond until the second day. They said they would contact the provider but the provider refused to refund with a less than 24 hr window. XXXX didn't take their responsibility in the poor website design causing issues. 

Therefore I also did call BoA credit card department and told them the issue that I didn't authorize the purchase of the unexpected item. But the representative suggested me to wait the transaction posted and then submit a dispute. 

I did what BoA suggested and after two months they ended up a decision to deny my dispute. And I still got the unexpected item charged ( {$280.00} ). 

Now as I want to appeal their decision, BoA want me to provide evidence that XXXX has bugs, which means I need to pay for something on XXXX  again to reflect their error, which is really disgusting. And when I check their website now, two after my reporting, XXXX already fixed their error in refreshing shopping cart and checkout pages. I am unable to provide the evidence. 

As I checked XXXX XXXX  and XXXX reviews, many people had issues with XXXX. This website is an unprofessional third party travel agent.
Product: Student loan

I paid my loan ahead of time ( {$450.00} in XX/XX/XXXX ), and received confirmation that it was processing. Then, when I logged in the next month, I found out that the payment was reversed. I was never notified of the reversal. I tried again this month to pay ( {$1000.00} in XX/XX/XXXX ), and once again the payment was reversed with no notification. When I called, they claimed that it was due to " insufficient funds '' in my account, which is incorrect as I have plenty more in my account than I tried to pay with. The customer service representative kept saying it was due to insufficient funds and was not able to provide me with any other option than to call my bank. I called my bank and they said they never received the request, either time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent letters to the three national reporting agencies, XXXX, XXXX, and TransUnion regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the DMV and proof if address. TransUnion responded saying they would not move forward because they did not believe it was me. XXXX and XXXX totally ignored the letters and I received zero feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and FTL FINANCE AKA FTL Capital Partners , LLC ran an unauthorized credit inquiry on me on XXXX, 2020. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Product: Debt collection

Commonwealth finance posted a debt on my credit report in the amount of {$59.00}, stating that it was opened XX/XX/2018. I have received no correspondence in regards to that dept in order to confirm and pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I'm complaining about some false information I saw on my credit report. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The following is a list of the bogus items I discovered on my Credit report that need to be deleted right away : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$3500.00} XXXX  XXXX XXXX Balance {$460.00} XXXX  XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1700.00} XXXX XXXX  XXXX XXXX XXXX Balance {$52000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$85000.00} XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax XXXX XXXX has showed up on my report with incorrect information. Also, I do not know this XXXX XXXX  or why they are on my credit report in the first place. I did not put any or request any loans with XXXX XXXX. This is a fraud and violation of my credit reporting. This needs to be removed immediately. My loan is with XXXX and did not agree to moving my loan to no one else. 

Several Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XXXX of 2019 with multiple dispute letters I sent in the hope of removing this inaccurate XXXX XXXX - XXXX account on my credit report. It is tiring and expensive going back and forth sending dispute letters with TransUnion and they do not mind reporting the same inaccurate information over and over. They continue to say that the account has been investigated and fully verified but it's still inaccuracies, missing information reporting. 

Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurate, I request deletion immediately. 

Error as follows : This account is no longer reporting in XXXX  so this needs to be removed from my credit report. 
What is the monthly payment on this account? 
The credit limit is not provided The past-due account is not provided. 
What is the date of the last payment on the account? 
The remaining balance reporting in TransUnion is different from XXXX. 
You are reporting a different date account last reported. 
The comment on this account is completely different from the comment section from XXXX.
Product: Debt collection

CFPB Complaint against XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX ; XXXX : XX/XX/year>. The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, XXXX, Experian, XXXX XXXX reporting agency , block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Please delete the following 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 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, credit repair services, or other personal consumer reports

in XXXX my personal info was compromised, my American express plum card was taking over by a XXXX XXXX, fraud charges were made on account, my address was also changed, I called and reported the breach to American express and changed back the address the account was closed. 

they credited back the XXXX charges in XX/XX/XXXX and in XX/XX/XXXX put bck the charges and when I called them they told me they sent letters to me to the fraud address and I did not reply so they closed the fraud case and put account into collection.
Product: Vehicle loan or lease

I have a car loan with XXXX XXXX XXXX. Admittedly, on occasion, I am late on my payments, usually by no more than 2-5 days, maximum. On several occasions, I have received numerous calls attempting to collect the debt owed. I understand they have the right to call as collections, but excessively? Calling me 18 times in a day, while I 'm at work, is utterly unacceptable after being 1 day past due. This is harassment. On top of the harassment on my own phone line, they began calling my references. I also understand this is the purpose of a reference, however, when calling a reference and leaving a voicemail, in no way, shape, or form should voicemails be left that state, " Hello, this is so and so from XXXX XXXX XXXX calling to get in contact with XXXX XXXX regarding her auto loan with us. Please have her return our call or make a payment at her earliest convenience. Thank you. '' These are REFERENCES, not consigners!! It is against the law for them to inform anyone not financially responsible on this loan that I have an account with them, let alone that I am late on my payment. 
Once again, this is illegal. The media will be contacted to advise of these unethical and malicious collection practices to steer everyone away from using this company. 
This has caused extreme emotional distress on my part as I am constantly concerned about how they will depict my image to my references when they 're spilling all of the details of my payments. I am a human. We have all been late on something before, and we have all struggled at one point or another. Why would they want to smear the image of a customer?
I feel sufficient compensation for this extreme inconvenience and horrible practices would be to forgive one loan payment. 
Once again, I will take every method possible to expose this company for these malicious practices to steer anyone from doing business with them if they do not find a way to rectify the stress they have put me under.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a new complaint to the CFPB with respects to XXXX XXXX  # XXXX on XX/XX/XXXX advising I have asked the credit bureaus to provide me with documentation of how the properly did an investigation on XX/XX/XXXX, XX/XX/XXXX & XXXX/XXXX/XXXX and how they were able to " verify '' the account. 

I am being told they verified the information but how? I have not received anything from the bureaus or the finisher so how is this possible? I am a real person and I am being ignored. I have asked several times as I have the right to have proof of the investigation. According to the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 

The credit buraus are stating my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, and the date last activity is inaccurate. I have attached another copy of the report to show this is still inaccurate as of XX/XX/XXXX. This is grounds for removal. They also have violated my rights under : 15 USC 1681 Section 602A : States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. The attached credit reports from month to month shows the inaccuracies AS PROOF and must be delete from my report.

I have provided the letters and I am being ignored. I plan to seek legal counsel if this is not removed as the bureaus are in clear violation of my consumer rights.
Product: Debt collection

in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

1

5 usc 1681 section 602 states i have a right to privacy. 15 usc1681 also states a consumer reporting agency can not furnish a account without my written instruction. 15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.
Product: Credit reporting or other personal consumer reports

1XXXX XXXXXXXX Failed to Provide Legally Required Notice Under UCC Article 9, Section 9-611, a lender must provide the debtor with a formal Notice of Sale before auctioning a repossessed vehicle. 
XXXX XXXX never sent such notice, meaning the repossession was improperly conducted and can not be legally enforced. 
2. Failure to Disclose Sale Details & Provide Accounting UCC Article 9, Section 9-613 requires lenders to disclose the details of the sale, including the date, time, location, and final sale price. 
XXXX XXXX has failed to provide this information, making it impossible to verify whether the sale was fair or whether a deficiency balance is valid. 
3. Equifax Failed to Conduct a Proper Investigation Under the Fair Credit Reporting Act ( FCRA ) 611, credit bureaus must conduct a reasonable investigation when a dispute is filed. 
Despite XXXX XXXX legal violations, Equifax failed to investigate properly and continues to report this repossession inaccurately. 
This damages my creditworthiness unfairly and violates my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX This account 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 a account without my written instructions
Product: Debt collection

On XX/XX/XXXX I was viewing my credit report and noticed there was a collection from XXXX XXXX XXXX XXXX for the amount of {$2400.00}. I went to verify the company 's license on the State records and found no company with that name and address that was provided under the " creditor contact details '' of my credit reports. I do believe the company is legally not able to operate in the state of Florida. I also have never received any contacts or letters from this company that they were attempting to collect anything. The original company was informed in XX/XX/XXXX that the balance they were trying to collect was inaccurate and I did not owe anything. They sent some false and inconsistent documentations that had charges and totals that weren't right. The first alleged I owed {$1300.00}, the second {$1500.00} ( Note : both the first and second documentation were sent together ), the third {$1100.00}, and the fourth {$1500.00} and {$2400.00} ( on the same document ). The charges on each document didn't match each other as well as the dates and amounts. The charges were broken down on some and the amounts are all different on each document as well as the dates. I never signed any of them as I moved out owing no balance and I received consent to find a tenant from the property manager and the day I moved all balances were settled and the new tenant signed a new lease and paid all fees and rent for that month and it was her responsibility going forward. I asked the collection company to please delete the balance/collection from all credit agencies as I don't owe them at all. I'm filing a complaint with every company I can until this is resolved. I never received any information or correspondences from this collection agency and this amount needs to be removed from all credit agencies immediately.
Product: Consumer Loan

universal acceptance corporation was asked not too call my references they were calling them because i had a bill with them and they kept calling them i have filed a complaint here befor and they agreed not to call but the calling has not stoped and my references have asked them to stop and they keep calling them
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute notices for multiple accounts to XXXX, equifax & XXXX in XXXX of 2021 after I received a reply back stating that all accounts were accurate I sent in proof showing that each accounts were reporting inaccurate information. I was the. Told that it was still accurate on XX/XX/XXXX I sent a request to the bureaus asking who and how each account was verified since this is my right as a consumer I was advised that they dont have to reinvestigate any dispute. I never asked them to reinvestigate I simply asked them to provide me with the name and number of the person or persons that validated that the accounts were accurately reporting. The credit bureaus have repeatedly ignored my request and will not remove these accounts that are inaccurate, this is hurting not only my credit score but it is hindering me from living the life I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Chex Systems has a police report on file for Consumer ID : XXXX for me being a victim of identity theft. The following Reported Information listed on my Chex Systems Consumer Report is fraudulent, not my account and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2020, {$2500.00}.
Product: Checking or savings account

I had filed a complaint against Bank of America. Part of the resolution of that complaint was they agreed and stated in a letter to me dated XX/XX/19 that I was not being reported ( derogatory ) to both XXXX, XXXX and XXXX XXXX XXXX , XXXX. On XXXX, I attempted to set up a checking and savings account at XXXX XXXX XXXX in XXXX, FL. XXXX XXXX XXXX refused to approve these accounts because of derogatory information being reported about me with XXXX and XXXX XXXX. I asked Bank of America to confirm that the information in that XX/XX/19 letter is accurate and they refused to help in any way possible. Neither XXXX or XXXX XXXX will provide any information. They said they are sending a report which may take as long as 2 weeks to get to me. They both said I could dispute the information but that process takes as long as 8 weeks and still may not clear up the matter as it is up to each individual bank to decide if they want to update their data regarding me. I have separately filed a complaint against XXXX XXXX XXXX because they have refused to provide specifics on why I was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DIDN'T AUTHORIZE THESE INQUIRES. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, 2019 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX. XXXX, 2019 XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that I had some hard inquiries that I didn't recognize and would like to have them removed
Product: Debt collection

A XXXX of mine XXXX XXXX and I must have signed her lease with her. She was charged a late move out fee that wasnt justified in the first place as she returned the key to the office prior to XXXX pm as indicated. She left XXXX in room to ensure everything was correctly done and cleared out and made a video showing an empty apartment at approximately XXXX pm. The company received the information a letter came from company clearing her of the debt. She and I disputed the debt and they indicated the debt for me was verified ; however, the actual tenant debt ( same debt ) was removed from her credit due to the letter indicating there was a XXXX balance and it should be removed. I need this information reported from my credit reports. The procollect fee of XXXX is inaccurate and my credit has XXXX for a while after repeatedly dealing with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to obtain a free credit report from Equifax and the mortgage program Im using also has not be able to obtain a report either. Ive sent a certified letter to Equifax with a copy of my license, SSN card and a copy of a utility Bill and Im still unable to get a copy of the free report. I am however able to get a copy when I pay for their reporting services. Ive also call and spoken with Equifax, customer service and they can give no explanation as to why Im unable to obtain my report but they did offer me to use their reporting service. This is hindering my ability to purchase a house or anything I have no idea if the reporting is even accurate and I am not able to get a report without paying for the report. It not also not available on any of the few reporting services and states it has not been updated since XXXX of 2019.
Product: Debt collection

Congress Colllections made a mark on my credit account. I have never heard of this company, nor did I receive a written or verbal notice. I don't even know why they are trying to collect anything because nothing is overdue. I don't even know how much is trying to be collected. My credit score dropped due to this. They also checked on a Sunday morning.