23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I booked a stay with XXXX XXXX XXXX XXXX through Capital One. I also booked a stay through XXXX directly for the same period. 
I received an email shortly after from XXXX, saying that my booking through capital one had been cancelled. I immediately reached out to capital one who assured me my booking was still active. 

A few days ago I reached out to the hotel, to check and they do not see my reservation. 

Ive spent 2 hours on the phone with capital one trying to resolve the matter. They offered me a refund at first, then claimed they would only refund me if the hotel refunded them. 

They then lied and told me my own confirmation number ( the booking made directly with XXXX ) was theirs. It isnt. Its on my XXXX XXXX directly with the hotel. The hotel can confirm that it is a first party booking. 

I never requested a cancellation of this room. I contacted capital one and they assured me my room was available. They lied to me multiple times and refused to refund me. The idea that my refund is predicated on capital ones refund is absurd. They messed up and need to take responsibility. 

Ive attached a claim from capital one claiming my booking is valid. This email was sent 3 days ago. The hotel cancelled my reservation 4 months ago and does not have this confirmation number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed letter to equifax 5 times over 2 to 3 months to show under section 611 the method of validation on XXXX XXXX XXXX acct ending in XXXX the acct show validated but this is not correct. They will not respond to section 611 for request for method of validation. and have not contacted me on all letters in over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Reporting act XXXX  Account Capital One, XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with first progress credit card company in hopes to repair an fix my credit. Since i have had this card i have paid my bill on time and weeks before my bill is due and they continue to hold my payment saying that the bill wasn't paid i show on my bank statement that the money was taken out, i recently paid my bill on XX/XX/2020 showing it shows on my bank statement and up unitl now it has not been posted to my account even after i spoke with a representative telling they received my bank statement that i faxed over. Its now XX/XX/XXXX and there has still been nothing done to fix this situation with first progress.
Product: Debt collection

I had a payment arrangement in XXXX for a medical debt with XXXX XXXX XXXX in XXXX, TX. All payments were made as agreed. About a year ago I received an alert about a delinquent account on my credit report. The account is owned by Cascade Receivables ; the hospital is now conveniently out of business. I called the agency, XXXX XXXX in XXXX, Texas, made clear the debt had been paid, and demanded validation of the debt, including all invoices. They never replied. A few months later I got a call from a DIFFERENT collection agency about the same debt ; one conversation with them and they got the message. Now, this morning, I get a text message from a THIRD COLLECTION AGENCY ABOUT THE SAME ALLEGED DEBT. I called Cascade Receivables after I spoke to them and the " gentleman '' who answered the phone REFUSED TO ACKNOWLEDGE IF I WAS CALLING CASCADE RECEIVABLES. 

As I previously demanded debt validation from two agencies, one of whom was XXXX XXXX in XXXX, TX, which was not provided, Cascade Receivables should not be allowed to continue harassing me with a different collection agency every few months about the same account. This is completely unfair and possibly illegal.
Product: Credit reporting or other personal consumer reports

I asked for these unknown addresses to be removed XXXX XXXX XXXX, XXXX XXXX they update it XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ga XXXX incorrect city and spelling XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX thats not XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these are incorrect and unknown they update all of these I use to stay at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I asking to have all of this removed due to misspelling errors
Product: Debt collection

A notarized/certified letter requesting validation of debt / proof of claim which by Federal Law I am authorized to do, was sent To : Capital One Attn : XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe because of the information I was specifically requesting would show full disclosure of a debt not owed and possible security fraud my account closed immediately after. Adverse action was taking against me and as a retaliation Capital One closed my account out. I have other accounts with Capital One that are open and have no issue with doing business. Therefore I am unclear as to how " activity on the account is not consistent with their expectations ... '' This was indicated in a response computer generated letter dated XX/XX/2023, without an officer signature as I also requested. The exactly activity needs to be fully disclosed to me which is also a Federal Law in which Capital One again chooses to not abided by. I then filed a complaint because my account should not have been closed nor did I give Capital One permission at anytime to report my information for the 3 Credit Bureaus. On XX/XX/2023 yet again a computer generated letter was sent stating my account has been placed into cease and desist, which means that Capital One will not communicate with me to collect on any debt owed. Again Capital One goes against Federal guidelines and I have statements each month since then requesting to pay on a debt. I should not be receiving anything communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. i recently did an investigation on my credit report and i am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy.

You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says i have the right to decide what i deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802- I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or had provided to the consumer a notice, which i have not received. 

XXXXXXXX XXXX [ XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX  [ XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX [ XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] opened XX/XX/XXXX to XX/XX/XXXX XXXX [ XXXX ] opened XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports in XX/XX/XXXX from XXXX, XXXX, and Experian am disputing some items that need to be deleted. There are inaccurate accounts and information listed on reports that I did not authorize anyone to open neither these companies to report on my history. I am assuming my information is at high risk of identity theft and fraud which is prohibiting me from acquiring a new home. 

XXXX XXXX XXXX received letter on XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. Its been well over 30 days with no response from any companies. According to the provisions of the Fair Credit Reporting Act these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please see attached USPS Certified Mail Receipts of Dispute Letters sent to credit bureaus agencies.
Product: Debt collection

In XXXX or XXXX after my two loans were transferred to KeyBank I  called to set up payments. I arranged to make a XXXX XXXX monthly payment on each of the two loans and that payments would start the beginning of the month after following month. I then received in the mail an invoice that had a due date for the following month. I called and was told that what I was told on the phone about when the payments would start was a " mistake. '' I then started getting invoices but realized that I was only be invoiced for one of the two loans. So I started sending in a {$150.00} payment with the statement to cover both loans, But as the uploaded document shows, KeyBank was only credited one of the two accounts. So essentially I was never billed for one of the two accounts. And then at some point KeyBank stopped sending any bills/statements to me. I had no address where to send any payments ( the uploaded document I just  happened to stumble upon recently buried in a folder with other documents ) so I just stopped payments. And then I heard nothing from KeyBank for over two years. Then I get a letter asking me to call. Because I had an experience of being told things by phone that turned out not to be  true, I communicated in writing twice, with offers of lump sum payments to settle both debts. I never got acknowledge from KeyBank that I had ever communicated with them, just generic " please call '' letters. Then I get a letter saying I am in default.
Product: Checking or savings account

Chase bank is holding funds on a BUSINESS check for 7 business days, 12 calendar days. Per their website, some funds should become available immediately ( none are ) and the hold should be no longer than 5 business days. 

We called the account holds department and because the issuing bank does not verify funds over the phone, nothing can be done. 

Electronically, this should clear their system in 1-2 days. Why the exceptionally long hold time? 

I regularly made large deposits ( as a sole proprietor ) and recently these excessive holds have felt unfair and unreasonable.
Product: Credit card

Submitted to Kohls Department store a request to remove XX/XX/XXXX and XX/XX/2014 30-day notices on all three credit reports as they were placed in error. I did a follow up call and spoke to a XXXX-Supervisor who agreed that I Kohls received three payments from me in the same month and probably did not apply them correctly ( one for XX/XX/XXXX, another for XX/XX/XXXX and a third for XX/XX/XXXX ). I believe this was human error as I made the payments for each month. Additionally, I am requesting a credit on my account for two late payments as they were made and payments were inappropriately applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent Experian a dispute letter XXXX attached ) via certified USPS mail to block fraudulent information from my credit file. On XX/XX/2020, I received notification that Experian removed the fraudulent information from my credit file with the exception of a disputed bankruptcy public record. Specifically, Experian states XXXX XXXX verified the public record and the information remains unchanged. XX/XX/2020, I received record from XXXX XXXX that the public record information ( identified in my Experian credit file ) is not reporting with XXXX XXXX. I have also contacted the US BKPT CT VA XXXX and received documentation that states their court does not report or furnish information to credit bureaus. Experian is reporting an erroneous public record in my credit file ( see page 40 in my Experian credit file ). The bankruptcy is not mine, does not belong to me. The public record reports an alias XXXX XXXX and an address of XXXX XXXX XXXX XXXX, # XXXX Mc Lean, VA XXXX where I have never lived ( see pacer document which includes case number in my Experian credit file ). Experian 's unwillingness to adhere to the FCRA is unlawful and I would like to get this matter resolved in a timely manner to avoid a potential lawsuit. 

Additionally, Experian removed my phone number from my personal statement without my permission. If credit is extended without my permission, creditors will have no way to call me to verify my identity.
Product: Bank account or service

I was informed that my business account at US Bank - XXXX - XXXX, OH XXXX was in the negative for - {$64.00} on XX/XX/2017. So on XX/XX/2017 I went into the branch bank and and deposited {$90.00} leaving my account in a positive {$26.00}. I then brought some groceries at the XXXX totaling {$16.00} leaving a positive deposit of {$10.00}. 
Later on that afternoon, I go on line and see that I received a {$36.00} overdraft fee making my account a negative - {$28.00}. Then one of the tellers from the US Bank branch office calls me to inform me that I am now a negative - {$28.00} and I will also get XXXX more {$36.00} overdraft fees totaling {$76.00} plus the negative - {$28.00} which comes to - {$100.00} for {$16.00} of groceries when I had a positive balance of {$26.00} to start with. 
I am filling this complaint against US Bank for unethical banking practices and fee gouging.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that trackingthese transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving usersvulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I've had ID theft issues for years and on XX/XX/2019 I received a bill from a XXXX XXXX trying to collect for a XXXX  XXXX XXXX acct witch I had never used before. I called and submitted information to verify that this in fact was not mine but the company decided to sell my acct to another collector. I now show a new collection for this same acct with Sequim Asset Solutions. 1 ) Sequium Asset Solutions for {$1000.00} it looks like the original creditor was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is violating my constitutional rights! A right as defined in XXXX Law dictionary is a power, privilege, immunity guaranteed under a constitution, statutes, or decisional laws or claimed as a result of long usage. The Fair Credit Reporting Act, also known as 15 USC 1681, qualifies as decisional law. TransUnion violated 15 USC 1681 ( b ) ( a ) ( 2 ), as they were never provided expressed written instructions by me, the consumer. 

On XX/XX/2022, I put this company on notice for reporting inaccurate information on my consumer report. I also requested the method by which they can verify that I applied directly for credit with the companies reporting. If unable to provide this information, please remove these unauthorized inquiries from my credit file. Not only did TransUnion blatantly ignore my request, they insulted me as if Im an ignorant consumer. They are being willfully noncompliant of the FCRA ( decisional law ). The 9th amendment states : The enumeration and the constitution of certain rights shall not be construed to deny or disparage others, retained by the people. 

This companies violative business practice is preventing me from receiving extensions of credit, which is a right for me to have. They are defaming my character, harming my financial reputation, and causing me a great amount of stress. Ignorance of the law is no excuse.
Product: Credit reporting or other personal consumer reports

I reported to XXXX in XX/XX/year> two credit cards on my credit report that were not mine and not even in my name. They came up as authorized user and I did not even have access to these accounts. All of this was disputed and explained and my credit has been so negatively impacted by this being stuck on my report and not being handled. My credit report is outdated and not even refreshed and doesnt even show payments I have made. This company is hurting me from opportunities by not looking into anything I have asked. I have disputed numerous errors and nothing gets resolved. It takes weeks to months to even get an update and there is usually no information as to what they even investigated or what concluded.
Product: Checking or savings account

I made a purchase of an item in the amount of {$650.00}. The item purchased was never sent and I contacted the seller with no success. All the contact information was then disconnected. I contacted the vendor to reverse the charges and was denied. I filed a police report as well which the bank said they never took into consideration.
Product: Checking or savings account

I have qualified for a {$100.00} bonus from Marcus Goldman Sachs. 
I am being denied because I did not keep my complete funding balance of {$10000.00} in my online savings account ending in XXXX. 
I DID keep the required amount ( {$10000.00} minimum + account balance at XXXX XXXX on enrollment date= {$0.00} ) as defined in https : //www.marcus.com/us/en/disclosure/savings-bonus-offer-details much longer than the required period. I spoke to marcus rep XXXX  and marcus supervisor XXXX on a very lengthy recorder call XXXX case # XXXX. Though both repeatedly read to me, as I read to them directly from https : //www.marcus.com/us/en/disclosure/savings-bonus-offer-details " After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX  ET the day you enroll. " They repeatedly agreed with me, on the recorded call, that there was NO WHERE in any document that there was a requirement of keeping the full deposit amount in the account. The requirement is clearly stated to be the starting current balance reflected on theaccount at XXXX XXXX  ET the day of enrollment ( {$0.00} ) + a minimum of {$10000.00}. 
I am requesting the {$100.00} bonus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the EQUIFAX credit reporting agency , block 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.

This fraudulent, inaccurate, and false information consists of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report. I do not recognize these accounts, collections, or inquiries. They were not opened, made, or initiated by me. All are the result of identity theft and fraud. 

I have attached the following documentation as evidence : FTC Identity Theft Report Number : XXXX A copy of my FICO credit report highlighting these fraudulent accounts.