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

A reservation was made for a hotel for a particular type of room. Checkin was completed and went to room. The room was not as described and an attempt to have problem corrected went ignored by the hotel. Hotel corporate was contacted regarding the reservation guarantee and was advised the hotel is in control. No one was honoring guarantee. A dispute was filed with discover and ruled against me stating I signed for it. However they have failed to explain since what the hotel is presenting is undated checkin paperwork that is fraudulent by combining documents. They are only accepting of the signature and not accepting anything else.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I received an email alert on my XXXX to call toll free number XXXX ( XXXX ) XXXX. It said : " This is to notify you that your Social Security Number has been terminated due to suspicious activities found during our investigation ... '' I called the toll free number after reading and a XXXX XXXX XXXX answered and asked me for the case number on the letter : SSA-XXXX. He then placed me on hold and transferred me to a XXXX XXXX XXXX whose number is : ( XXXX ) XXXX. He had several questions. One being did I have a checking or savings account? Did I have a passport? Did I have a driver 's license? My mailing address. Then he wanted to know if I had XXXXXXXX XXXX desktop application on my device. I said no. He then walked me through adding the XXXX XXXX from the XXXX store and he ask me for the 9 digit pin to come online with me. He then said, " I can see your bank account. '' Then he moved {$5700.00} to a XXXX XXXXXXXX XXXX  routing number XXXX and account number XXXX that he said was a SXXXX XXXX account but it turns out to be Revolut Technologies Inc. address : XXXX XXXX XXXX ; XXXX XXXX XXXX, DE. XXXX and under New York State Law for any fraudulent claims. The New York Attorney General file number : FILE # XXXX - XXXX XXXX - XXXX : XXXX XXXX XXXX has been advised. Since the moneys was domestic wired from my XXXX account to Revolut Account with XXXX. Also XXXX XXXX transfered {$500.00} to a XXXX XXXX by way of XXXX. Total loss : {$6200.00}
Product: Debt collection

For the past two and half years, XXXX keep saying I owe them {$68.00}. I dont know how, because I dont have no service with them for the past 7years. They said they have fix that .but last week I received a letter from EOS CCA collection agency to collect this same {$68.00}.
Product: Mortgage

1. XX/XX/XXXX Phone payment made to amerihome mortgage with payment followed by a received confirmation for payment to be processed XX/XX/XXXX. [ XXXX ] ( view attached ). Notified by XXXX via statement ( XX/XX/XXXX statement date ) that payment bounced on XX/XX/XXXX. 
2. XX/XX/XXXX received loan statement assessing a late fee of XXXX in addition to XXXX, totaling XXXX. 
3. We were going through a period of forbearance* effective XX/XX/XXXX. Reason for forbearance : Father in critical condition and was admitted to XXXX care. Additionally, sister was diagnosed with XXXX XXXX XXXX and had to make frequent visits to XXXX  XXXX for treatment. 
a ) As of XX/XX/XXXX, father passed away. ( view attached : XXXX funeral doc. AttachedDeath cert. available upon request. ) b ) ( Sister ) was still undergoing treatment at XXXX  XXXX *if information is needed able to provide 4. XX/XX/XXXX ( Monday ) We prepared and issued a cashiers check in the amt : XXXX which was confirmed as received by Amerihome Mtg. bringing the account up to date with XXXX remaining on the balance. 
5. Sometime beginning XX/XX/XXXX we were issued mishap reversal refund of XXXX, reducing our XXXX payment on the balanceeffectively delaying the delinquent situation further in which we concluded that Amerihome Mtg. was insisting that the whole payment of XXXX or no payment ( will reference this in their claim about offering a reprieve had we contacted them. ) 6. Due to the mishap reversal refund, we made a money order payment of XXXX on XX/XX/XXXX with the intent to clear both the XXXX refund and the XXXX remaining balance. 
7. we received a statement dated XX/XX/XXXX from Amerihome Mtg . on XX/XX/XXXX ( Thursday ) stating we had a balance of XXXX XXXX. XX/XX/XXXX received letter from amerihome letter date XX/XX/XXXX that they have made multiple attempt to reach us and referring our loan to a foreclosure review committee 9. XX/XX/XXXX contacted amerihome spoke with Mrs XXXX. She notified us as of this morning they have sent our loan over to the attorney for foreclosure. They did not receive payment of XXXX that was sent via money order. Was instructed to call back by XX/XX/XXXX so we can know how much is owed and request a refund from XXXX XXXX ( refunds can typically take 30 days if and when approved ) 10. Called Amerihome Mortgage XXXX XXXX  XX/XX/XXXX Spoke with Mr XXXX employee id number XXXX notfied us that our account has been assigned to Attorney XXXX XXXX XXXX XXXX. 
11 contacted the lawyer office office hours Mon-Friday XXXX will attempt lawyer again Friday XX/XX/XXXX NO phone calls what so ever has been made to any point of contacts. Letters are delayed
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I injured XXXX in XXXX Georgia store number XXXX to purchase some car paint which came up to {$76.00} I paid {$71.00} on my card I was going to pay the rest in cash after I swipe my card and the money was deducted from account their system froze and was unable to complete the transaction they said the money will go back to my card within three days it is now XX/XX/XXXX and I still have not received no money from this company cash app says that they have not received no payment but XXXX says that the money had cleared and was posted to my account through a pin debit net workI spoke with both companies regional offices and managers about the situation they both keep directing me to the other company for a resolution at this point theyre both saying they dont know whats going on or where the money is so I just point theyre saying that Im out of {$71.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Lexis Nexis report indicates that XXXX XXXX ran a inquiry on my report, on XX/XX/2022. At this time, my Lexis Nexis file was frozen. 


XXXX XXXX didn't have my permission to request a report
Product: Credit card or prepaid card

On XX/XX/2019, at XXXX I attempted to make an ATM withdraw using my American Express BlueBird Credit Card ( XXXX ), at XXXX Gas Station on XXXX XXXX, XXXX XXXX, FL XXXX, for the amount of {$740.00}. 

During this transaction, the ATM attempted to dispensed the money, however, the ATM door never opened, and the transaction was over. I quickly through up my hands stepped back, and called for a store manager. 

The General Manager of the XXXX came over, I explained the situation, and she advised they don't have anything to do with the ATM, and gave me a number to file a claim, ( XXXX ). 

In speaking with two Agents, they confirmed there is nothing they could assist with, and I need to call my Credit Card Company, ( American Express BlueBird ), and file an claim with them. 

Since XX/XX/2019, I have filed a claim with American Express, who advised I would receive an provisional credit within 10 Business Days. In addition, I was able to speak with Executive Office for XXXX, who provided additional information regarding filing a claim through them, however, the request would have to come from General Manager for that XXXX.I called and requested for the General Manager to place a req to have the ATM check, and she said she couldn't get involved. 

I'm sending this complaint, due to American Express Bluebird, still hasn't sent the follow-up email to provided them with additional information, nor do they have any since of urgency to assist with resolving this matter. 

My back is also up against the wall with the fact, I was withdrawing the {$740.00} to pay my car payment that is due on XX/XX/2019. 

Please understand my car payment can not be late, or I will go 30 days past due, and I'm trying to buy a house. 

I understand there is a process, but no one I have reach out to has acted is if they care. Everyone just keeps saying the same thing, contact your bank, and American Express bluebird keep saying, we have a process. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation taking more than 30 days on a dispute items i sent to XXXX and equifax cra violations of my rights inaccurate information must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account on my TransUnion credit report multiple times any they always say they've verified it. It's not my debt, period. I have never received anything ( phone call or mail ) from the company. They won't respond to my letters. They say my only option is to talk to their attorney.

The problem here is with TransUnion. I filed a complaint against TransUnion last month with the CFPB and that dispute has vanished from my account here. 1 ) I was not notified by TransUnion of the results of the last investigation. 2 ) My complaint against them to the CFPB was removed. 3 ) I specifically have asked every time for them to explain how they are verifying this account because IT DOES NOT  BELONG TO ME and they have refused to answer that question. They just say they verified it.
Product: Debt collection

I believe this debt was the result of id theft. When I called the could give mo valid reason why it was not. Since I have a current account with XXXX and since iff any payment was not made on a pre- paid insurance account that insurance would have quickly became invalid and a non issue. According to the Southwest rep it would be simpler to pay a debt of {$60.00} then exercise my rights but I strongly disagree. I would like to see the signed contract with my signature witch this company has refused to provide.
Product: Debt collection

I have contacted them repeatedly trying to get a copy of my wet signature on a document saying that I signed up for these accounts!! Theyre about seven accounts and I dont owe any of them!! I have sent a cease-and-desist letter by certified mail because they repeatedly called me and told me they were going to take me to jail or that Im a piece of XXXX because I dont pay my bills!! Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL ALLEGED COLLECTION AND CHARGE OFF ACCOUNTS AS WELL AS UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA XXXX AND XXXX IM DEMANDING THE REMOVAL OF THEM
Product: Debt collection

Email from an XXXX XXXX XXXX XXXX : XXXX threats of asset seizure, court summons, wage garnishment, damaged credit.
Product: Debt collection

XXXX XXXX XXXX trying to collect a debt of XXXX. And already reported me to the credit bureaus when in fact I do not owe anything from original Creditor XXXX XXXX XXXX. XXXX Report No. 1XXXX. Attached a copy of certificate of full payment from XXXX XXXX XXXX.
Product: Student loan

I enclosed a letter dated XX/XX/XXXX with my monthly XXXX payment of {$110.00} + {$100.00} Principal that included explicit instructions for handling any overpayments ( payments over the amount billed ) I might make. This letter and payment due on XX/XX/XXXX was received by Navient on XX/XX/XXXX and the letter also instructed Navient to retain the instructions and apply them to all future over payments. These instructions included directives to apply any over payments to the principal balance of the loan with the highest interest rate, and not to reduce my monthly payment or put my loans into Paid Ahead status, etc. 

For my XXXX monthly payment due XX/XX/XXXX, I sent a check in the amount of {$1200.00} which was received by Navient on XX/XX/XXXX. After this payment was processed by Navient, my next monthly billing statement dated XX/XX/XXXX and due XX/XX/XXXX from Navient was for only {$58.00} as were all subsequent bills. When I paid my XXXX, XXXX and XXXX bills I enclosed a letter asking them to put my payment amount back to {$110.00} and asking them to explain why they changed it against my explicit instructions not to. I have received no explanation to date and my monthly payment remains at {$58.00} despite my repeated requests. As best I can tell, it looks like Navient stopped billing me {$26.00} for Loan XXXX almost like it was put into " paid ahead '' status, and they also stopped billing me another {$32.00} as well. Note that Loan XXXX is currently the loan with the highest interest rate! 

I have attached the following documentation : - My XX/XX/XXXX letter and payment handling instructions to Navient - My XX/XX/XXXX letter asking for an explanation and to have my payment changed back to {$110.00} - My XX/XX/XXXX letter asking for an explanation and to have my payment changed back to {$110.00} - Navient Loan Information dated XX/XX/XXXX prior to my {$1200.00} payment and showing {$110.00} due - Navient Loan Information dated XX/XX/XXXX after my {$1200.00} payment and showing {$58.00} due and {$0.00} due for Loan XXXX
Product: Mortgage

It is called Equiant finance and I did not authorize them to take a loan out for this. I have never even heard of Equiant finance when we had looked into this vacation club. Apparently it is also a mortgage which we also did not know because we were told is was a vacation club and not a mortgage or timeshare. Ive been trying to get it off my credit for a while now, and its been taken off all of my credit reports besides XXXX. I paid the balance off because it was stopping me from being able to move my family to a better house, but I still can not get approved given they havent updated that I am current and the loan is paid off. I did not allow this company to put a loan on my credit, nor was I told it was considered an open mortgage that would be passed generation to generation. This company is fraud, all of their XXXX   reviews confirm that as well. They showed us an A+ on the XXXX   but doing our own search, they were not accredited and has awful reviews saying the same thing about them putting a loan/mortgage on their credit without their consent.
Product: Debt collection

on XXXX I received an alert from XXXX concerning new activity on my credit report. this was a notification of a collection account with credence resource management. this collection was from XXXX XXXX  I have not opened and given permission to open any XXXX  accounts with att this account is due to identity theft please see attached identity theft affidavit.
Product: Debt collection

Collection by SUNRISE CREDIT SERVICE was generated in XX/XX/XXXX, for an XXXX XXXX XXXX balance of {$300.00}, which arise from an identity theft incident that leads to the cancelation of XXXX XXXX XXXX services and the reversal of all charges. The balance was fully reversed in XX/XX/XXXX, however, XXXX XXXX XXXX charged subsequent services after the account was closed for the amount of {$300.00}. XXXX XXXX XXXX then transferred the balance to 2 debt collectors including SUNRISE CREDIT SERVICE. The other debt collector has already closed this case, and SUNRISE CREDIT SERVICE has not. SUNRISE CREDIT SERVICE continues to harass me with calls from masked phone numbers and refuses to close the collection.
Product: Credit card

I am submitting a compliment again Comenity bank for unfair practicing and wrongful charging of fees of my account, when it was their system that was having the issue when I was trying to log into my online account while I was out of town. As I normally don't pay online because of the early cut off period to make an online payment, I normally go into the local store to make my payment so that I am not late. But on XX/XX/XXXX between XXXX XXXX my time I was not able to access my account online to make payment because it was giving me a system error, so when I got home I tried logging into my account and was able to successfully make the make at about XXXX am ( my time ) of the full balance {$55.00}. Now Comenity bank has charged me a late fee of {$28.00} and when calling them twice on XX/XX/XXXX, their customer services leadership and fail to remove the late fee from my account in which I always pays my bill on time and never late. Now Comentiy bank has this one-fee waiver policy for XXXX XXXX XXXX so they claim is every 18 months. So they refuse to waive the late fee because of the XX/XX/XXXX credit they gave me XXXX ago, which has been verified and stated at that time there was a widely spread known system issue with customers not being able to make payments and access their account and Comenity Bank acknowledged that and agreed to waive ALL customers late fees from that time frame. Customers should not be punished by your system failures nor should they be penalized. That issue that was happening in XXXX should not go against a customer one-time fee waiver policy that Comenity bank has in place and nor should customers be subject to fees charged to their account when your system was the reason for their late payment. I have did a formal complaint on XX/XX/XXXX Reference # XXXX and did not heard anything as I requested from this complaint. So After filing XXXX complaint Comenity bank is still denying my request for the late fee removal and is failing to address all the proper cause of this, stating that their online system was working and to known it was not, cause I could not login. So the going back and forward with me ( the customer ) stating their system was not working for me to login and Comenity stating it was will be an ongoing battle to be proven, as Comenity Bank is failing to note their one-time fee waiver policy along with providing me with all the finding of my online account login attempts that was actually made, because Comenity bank is showing that the last time I login as of XXXX was XXXX XXXX and that is not correct, which also proves that their system has an issue if they are stating that my last long in as of XXXX was XX/XX/XXXX. Comenity bank needs to abide by their policies, and their policy is to allow a one-time courtesy fee waiver every XXXX, not considering the widely known system issue back in XX/XX/XXXX, that was affecting numerous customers not being able to access their online account.
Product: Debt collection

My son hurt my credit .He started to rob me when my wife died in XX/XX/XXXX. I had perfict credit. My wife kept he in check. 
However, when she died he wante every thing from. 
He forced him self into my Home at XXXX XXXX XXXX. 
He forced me out of my own home and now I live at my camp at XXXX XXXX NY for the past 4-5 years now. 
He XXXX XXXX XXXX, the animal we call him lives on XXXX XXXXXXXX in XXXX NY XXXX. Phone is his XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The animal 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Make him pay all the bad credit he did to me in XX/XX/XXXX Just a few months after my wife passed and he did so much dammage to me over and over. He is classafied as a XXXX Lirer ... 
The XXXX XXXX XXXX  he opened in XX/XX/XXXX and ows $ about XXXX dollars. I did not do any of this. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XXXX I hope you can get me some help if, you can.
Product: Credit reporting or other personal consumer reports

Dear Credit Credit Bureaus, I am writing to express my deep dissatisfaction with the handling of my disputes regarding two accounts that I strongly believe to be fraudulent and the result of identity theft. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite multiple attempts to bring this matter to your attention, I have yet to see any meaningful resolution. I have repeatedly requested information under UCC 11 to validate these accounts, but to no avail. It is deeply concerning that despite my efforts, these fraudulent accounts remain on my record, in clear violation of federal laws. 

Furthermore, I have submitted an affidavit of identity theft, providing clear evidence of the fraudulent nature of these accounts. However, it appears that this important documentation has been disregarded, and a proper investigation into the matter has not been conducted. This failure to address my concerns could potentially lead to legal repercussions, and I am deeply troubled by the lack of action on your part. 

I am formally requesting that these fraudulent accounts be promptly removed from my credit report, and that all necessary updates be made without further delay. Enclosed with this letter, you will find a copy of the affidavit of identity theft that I previously submitted for your reference. 

Please be advised that this is my final attempt to resolve this matter amicably before considering taking legal action. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal avenues to ensure that my dispute is handled properly and in accordance with the law. 

I urge you to take immediate action to address this situation and rectify the errors on my credit report. I expect a prompt response within [ specify a reasonable timeframe ] confirming the removal of these fraudulent accounts. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX Enclosure : Affidavit of Identity Theft Social security number Lease with address
Product: Checking or savings account

On XX/XX/XXXX, I logged on to my mobile app through Bank of America. I tried several times to do a mobile deposit for a check from XXXX. I would follow the steps, hit submit and it would come up with an error. I then used my husbands phone with the same app. It also had the same error come up. So I went to Bank of America ATM ( it was after hours so they were closed ) and deposited it. My statement stated that transactions would be covered on XX/XX/XXXX and funds would be available the next business day ( XX/XX/XXXX ). However, on Monday XX/XX/XXXX, it stated that 2 mobile deposits and 1 ATM ( for the same amount ) were deposited and now there was a hold on my check until Friday, the XXXX. Clearly a bank error. I called the customer service line and spoke with many reps that said that there was nothing they could do and couldn't release the hold. I went into the BOA location on Monday ( XXXX ) to make them aware of the situation and the branch manager advised me to return the following day when funds should of been originally released. On Tuesday ( XX/XX/XXXX ), the following day, I went back to the location, spoke to the branch manager and he told me that the mobile errors dropped off. He released the hold. I was able to use my account until Thursday, the XXXX, when the bank put another hold on my account, this time making my account with a negative balance. I went back to the bank and the branch manager spoke to BOA team and couldn't release the hold. He said they have a hold on it for 24 hours. But 24 hours passed and there is still a hold and a negative balance on my account. So on Friday ( XX/XX/XXXX ) I called BOA and spoke to two team members, one being a supervisor, and was told that there is a hold on the check until XX/XX/XXXX!!!!!!! Ridiculous. Because of a BOA error and no fault of my own or the other financial institution, my funds will not be available to me until 12 days after I deposited the check into the ATM. Every representative that I've spoke to says that there is nothing they can do. This is completely unacceptable! I am being penalized for a BOA error.