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

On XX/XX/2019 I have booked a flight on line from XXXX. The confirmed reservation states that if I cancel within 24h I get full refund. I have verified this information with the company prior to booking. However, XXXX changed my flight reservation within minutes after the confirmation, without my authorization. I called them back within 15 min after receiving the amended reservation ( different flights and dates ) and they told me the flight I have booked on line was no longer available. However, the airline sent me the confirmation. Given the uncertainty, I have asked if there are any charges if I cancel the flight and I was told there is no charge if the cancellation is done within 24h. I went ahead and cancelled the flight within one hour from the changed reservation. However, XXXX went ahead and charged me {$150.00} for the cancellation and another {$33.00} for seat assignment they never assigned with my reservation. 

I have called XXXX multiple times, unsuccessfully. However, the company seem to have scammed many customers the same way they did to me. There are many complaints with FTC and XXXX about this company. XXXX XXXX XXXX On another hand, I can't dispute these charges with Barclays mastercard . Since XX/XX/XXXX I have been calling them on daily basis and I can't get through their Dispute Center. Each time I have waited between 35 to 45 minutes and have been placed on hold. I have asked the Customer Service to open the dispute for me and the answer is they can't do it. I have asked for escalation and Customer Service is telling me no managers are available at this time. I have made 11 calls to Barclays mastercard since XX/XX/XXXX and still I can't open the dispute. I was also told the only option I will have to send the evidence in, is by mail to a PO BOX . The company doesn't offer any on-line uploads and I have seen there are many complaints regarding this, the company stating they don't receive the evidence in order to force customers to accept fraudulent charges.
Product: Debt or credit management

I closed an account with KIKOFF XXXX XXXX XXXX in XX/XX/year> and ceased doing business with the company. I closed the account due to un-satisfaction with services. At the time of closing my account was current. 30 days later KIKOFF begin to report my information to third party consumer reporting agencies as late payment. 
I tried to contact KIKOFF to dispute this and put the company on notice to stop reporting my information to a third party. I was unable to reach anyone at KIKOFF. KIKOFF continues to report unauthorized information to consumer reporting agencies.

I did not receive any tangible service.
Product: Credit reporting or other personal consumer reports

This is my several letters indicating that I am writing to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : The following fraudulent accounts and inquiries have been reported on my credit profile 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 of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, XXXX, and XXXX and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.
Product: Checking or savings account

I opened a new Truist Simple Business Checking account using promo code XXXX at the branch on XX/XX/2023. The code was successfully applied and can be found at offers.truist.com. The promotion terms say : " XXXX. Make {$1500.00} or more in qualifying deposits into the new business checking account within 30 days of account opening. XXXX. Enroll and Sign In to Truist Online Banking for Business within 30 days of account opening. " I have completed both requirements ( please see attached screenshots for proof ). However, it still shows " Enrollment Pending '' offers.truist.com rather than " Reward Pending ''. I called Truist XXXX XXXX XXXX on XX/XX/2023 and XX/XX/2023 on a recorded line. Even though the agents I talked to confirmed that I have enrolled in this offer and I have completed the XXXX requirements ( please check the recordings on the recorded line ), they can not help me get the {$300.00} bonus. They just transferred me to another agent again and again, which put me in a loop. Would you please investigate and resolve this issue? Thanks.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX Original Creditor : 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
Product: Credit reporting

I have tried on numerous occasions disputing unknown inquiries with bureau stating that I did not apply for a job or credit with these people and wanted them removed, told the bureau that I 've tried sending letters to creditors for removal with no response
Product: Credit card or prepaid card

Commenity bank - XXXX rewards card This company calls MULTIPLE times a day and if you block one number, they call from a different one. It is XXXX and I am already up to 6 calls from multiple different numbers all from them. This is absolutely ridiculous.
Product: Mortgage

I sent the following letter to MyLoancare : ( Start of Letter to MyLoancare ) Hello, My loan Number : XXXX. I phoned you in early XXXX to enquire about how I should address making a lump-sum payment to be applied to my Mortgage Principal. Receiving your instructions I had a Certified Bank check for {$80000.00} drawn on my account and mailed to you, marked APPLY THIS SUM TO MY LOAN PRINCIPAL. I mailed it on XX/XX/XXXX and you received it, and my funds were withdrawn from my Bank account on XX/XX/XXXX. 

I received my XXXX Month-End Statement and saw my mortgage Principal did not reflect these $ XXXX of funds. I called you on XX/XX/XXXX and was told you must have had some processing delays, but funds were received and should be reflected on my next Statement. I received the XXXX statement and I see there is {$80000.00} shown as Unapplied Balance. I continue to make my regular payment of {$2500.00}. 


I called XXXX XX/XX/XXXX and also on XX/XX/XXXX as I believe you are using my {$80000.00} as float and not applying it to my principal. I should be entitled to at minimum. a rebate of my loan interest rate of 2.75 % for the time you have had use of my money and not applied it to my Principal. You received funds on XX/XX/XXXX, as of my Statement on XX/XX/XXXX, you still did not apply my $ XXXX to my principal. This is not right! I can supply documentation from my Bank and from your Monthly Statements to validate all that has transpired as far as transfer of funds and dates. 

You had $ XXXX for 6 weeks time without applying per my original instruction. My interest rate on loan is 2.75 %, therefore I need you credit me {$250.00} towards my principal or send me a check for that amount. ( End of letter to MyLoancare ) At MyLoancare 's advice on a call ( XX/XX/XXXX ) I sent the fore-mentioned letter and received a Ticket # XXXX, as a point of reference to making follow-up calls, and to acknowledge my issue. 
. 

Today 's date is XX/XX/XXXX and after I called again to MYLoancare, I am writing this as a complaint to CFPB. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc ) due to inadequate customer services and u fair practices which violate CFPA Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and 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 these violations.
Product: Debt collection

IN XX/XX/XXXX I SET UP A PAYMENT ARRANGEMENT TO PAY OFF MY XXXX XXXX AE CREDIT CARD. THE PERSON I SPOKE WITH SET UP MY PAYMENT ARRANGEMENT FOR THE END OF THE MONTH EACH MONTH AFTER MY ACTUAL DUE DATE. WHAT I WAS NOT AWARE OF IS THAT I WOULD BE ACCRUING LATE PAYMENT PENALTIES EVERY MONTH EVEN THOUGH I SET UP A PAYMENT ARRANGEMENT WITH THE COMPANY. I WAS NOT MADE AWARE OF THE LATE PAYMENT PENALTIES ADDED TO THE TOTAL AMOUNT I OWED UNTIL MY PAYMENT ARRANGEMENT ENDED IN XX/XX/XXXX. I WAS GIVEN THE IMPRETION THAT BY SETTING UP THIS PAYMENT ARRANGEMENT I WOULD BE PAID OFF IN FULL BY XX/XX/XXXX. I CONTINUE TO GET CALLS FROM DEBT COLLECTORS AND XXXX XXXX STATING THAT THIS IS MY FAULT AND THAT IF I DO NOT PAY IT WILL  NEGATIVELY AFFECT MY CREDIT AND LEGAL ACTION COULD EVENTUALLY BE TAKEN.
Product: Credit card or prepaid card

I have a XXXX 's XXXX card with ~8 years of credit history with a limit of {$3000.00}. I also have two other credit cards with a limit of XXXX {$40000.00}. I also carry a mortgage. I made a purchase of {$130.00} on XX/XX/18 at XXXX XXXX in downtown XXXX XXXX  using my XXXX XXXX XXXX card, however apparently using the XXXX XXXX XXXX card IN a XXXX 's store does not utilize any of the XXXX XXXX, but rather utilizes a store credit account ( of which there is no choice to utilize the XXXX only, and not the store account ). 

My limit for this account is apparently {$100.00}. I rarely use the XXXX card due to the terrible customer service and previous problems with delayed autopay from XXXX XXXX, and anticipated my credit limit was {$3000.00} as with the XXXX Of course, with my {$130.00} purchase, I went over my {$100.00} limit. My credit score dropped 30 points overnight as a result. XXXX 's solution is solely to increase my credit limit above {$100.00} for this account, and had no solution for credit issues, or why my limit was {$100.00} when I have well over {$40000.00} in limits elsewhere.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around midnight, i had a family member vacationing and her XXXX messaging app got hacked and I was a victim of a scam. 
The hackers reached out through her personal phone pretending to be her stating she was in a emergency and needed me to send her money through XXXX through some email accounts she provided. I sent the money and minutes later I get contacted by another family member of ours letting me know that my cousins phone had been compromised. 

I have contacted my financial institution ( Wells Fargo ) and opened a claim right away. It was not until days later that I reach out requesting an update on the claim when I realized the cases had been closed and nothing could be done
Product: Debt collection

I am writing to dispute an alleged debt with Resurgent/ LVNV Funding, after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? Under the laws of the XXXX, these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collections agency has, such as a license to collect in my city/ state ) after numerous attempts still unable to get them to verify with any official permissible document that this is indeed my debt. 

I ' ve enclose copies of my requests to the collection agency, asking them to validate this alleged debt, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The XXXX requires you to verify the validity of the item within XXXX days. If the validity can not be verified, debt collectors/ credit bureaus are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge them to remove this item before I am forced to take legal action. 

In the event debt collectors/ credit bureaus can not verify the item pursuant to the XXXX , and continue to list the disputed item on my credit report I will find it necessary to sue for actual damages and declaratory relief under the XXXX . According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

Here is just a few of CFPB debt collectors complaint 's similiar to mines : Resurgent # XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the XXXX. 

I look forward to CFPB protection and to enforce the law against all perpetrators in violation of XXXX. CFPB to protect my right to a fair and accurate credit report, also if legal actions taken and CFPB finds such perpetrators negligent against the consumer. CFPB represent as a witness on the consumer behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Experian received a letter from me stating that they are reporting multiple inaccuracies on my credit report Account # XXXX ( XXXX XXXX XXXX. ) Experian updated the account without acknowledging any of the inaccuracies. 
It's a collections account it should not be showing a pass due balance, it should not be showing a payment history, this is not an open account, the high balance should not be lower than the regular balance and the balance owed is not correct. The balance owed on my credit report says {$420.00}, but the statement XXXX XXXX XXXX sent me from the original creditor says {$420.00}. I will be attaching a statement I received from XXXX XXXX XXXX showing the inaccurate balance owed. By law, the credit bureau is held accountable for reporting 100 % accurate. My credit report is not 100 % accurate.
Product: Credit reporting or other personal consumer reports

In XXXX, I discovered incorrect information on my credit report provided by Experian. The inaccurate information included wrong address and incorrect last names. 

To address this, I sent dispute letters to Experian providing documentation and requesting the removal or correction of the inaccurate information. Despite my efforts, Experian failed to remove or accurately update the information on my credit report. 

In XXXX, I followed up by sending additional dispute letters providing supporting evidence to demonstrate the inaccuracies. However, the erroneous information remains on my credit report to this day, negatively affecting my credit score and financial standing. 

This failure to correct or investigate my disputes violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of the information they report and conduct timely investigations when consumers submit disputes. 

I am requesting immediate action to investigate and permanently remove the incorrect information from my credit report. I would appreciate written confirmation once the issue has been resolved.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 XXXX, v. XXXX CORPORATION US Court of Appeals for the XXXX Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C No XXXX ).

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the XXXX CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on XXXX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX NA Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX
Product: Vehicle loan or lease

Wells Fargo did not properly credit auto payment to account. XX/XX/XXXX {$560.00} deducted from bank accounts, XX/XX/XXXX {$1700.00} deducted from bank account, XX/XX/XXXX additional {$50.00} deducted from bank account. These payments were to lower principle when selling used vehicle to XXXX. Wells Fargo did not credit {$560.00} to my balance, this caused me to have to send XXXX extra money to complete sale. I have shared evidence with Wells Fargo from my primary financial institution, XXXX XXXX XXXX, including full bank statements that show the amounts being deducted from my account. I have attempted to resolve with Wells Fargo without success. This is a similar issue to what they have had to pay class action lawsuits for in the past and it is happening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three Credit Report Agencies XXXX, XXXX  and Experian lowered my Credit Score recently in the amount 50 to 100 points. This reduction is due to High Balances on my Accounts which is normally legal however there is no evidence that do to these balances my payment history change. The Credit Score is the first thing a Lenders see there are very few if any to look past that score before denying credit. I have made 100 % of payments on time for the past 5 years however I was denied recently by XXXX XXXX XXXX XXXX where I have been a member for 6 years due to this misinformation. It is quite damaging to me as a consumer that affect the quality life of my family. If a Credit Reporting Agency is going to release that type of damaging information a notation should be send to the Lender up front that the Consumers payment history status is still 100 % perfect if there is evidence.
Product: Bank account or service

In XXXX 2015 I responded to the XXXX, Delaware ( XXXX XXXX ) Citizen 's Bank Branch in response to XXXX $ promotion for opening a checking account. The teller explicitly told me to qualify you needed to keep the account in good standing and make XXXX online bill payments. The teller said that SHE HERSELF WILL POST THE BONUS IN SEVERAL DAYS! Of course nothing happened, and I contacted the regional manager. That manager apologized for the teller and told me even though your XXXX online bill pays were PERFECT ( this qualified ) you must wait 5 months later to XXXX XXXX!!! Yes, a FEW DAYS became 5 MONTHS! So on XXXX XXXX 2015 no bonus was received and I called customer service and the local branch manager - who said " oh you needed XXXX SEPARATE MERCHANTS on bill pay, so you do not qualify. So SERIOUSLY, they mislead me on the bonus payment date, then they mislead me into believing I qualified with XXXX bill pays, then they make me wait 5 MONTHS to tell me I did not qualify - and as frosting they failed to respond and resolve the issue on XXXX XXXX. This bank is DECEPTIVE and possibly PREDATORY, they failed the elementary rule of business - HONORING YOUR WORD. I made a complaint requesting them to execute regional managers statement that I qualified As of XXXX 2015 they have refused to reply or make the deposit of XXXX $ to demonstrate HONORING their WORD.