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

On XX/XX/XXXX, I purchased two round-trip airline tickets on XXXX XXXX for flights occurring from the United States to XXXX on XXXX XX/XX/XXXX and returning XX/XX/XXXX. XXXX flight was for myself, and the other was for my mother. Each flight was {$850.00}, and for two tickets, totaled {$1700.00} ( please note, letter to Chase on XX/XX/XXXX, incorrectly indicates ticket amount was {$650.00}. The correct amount is {$850.00} for each ticket ). 

In XXXX and early XX/XX/XXXX, due to the corona-virus pandemic, I realized that these flights might not occur. XXXX XXXX suspended its operations in XXXX or XX/XX/XXXX, and on XX/XX/XXXX, issued a press release stating that its operations would be suspended through XX/XX/XXXX. Therefore, I understood these flights to be canceled, and in fact, the flights, like many others in the world, did not occur on those dates. 

In late XX/XX/XXXX, I contacted XXXX XXXX through ticket aggregator XXXX and asked for a refund due to the flight cancellation. XXXX XXXX refused to abide by the law of the United States ( that is, if the airline cancels a flight, they are to refund the ticket ). XXXX was not able to assist. 

On XX/XX/XXXX, I contacted Chase Visa Card Services at XXXX, by telphone and spoke with XXXX ( name " XXXX '' ) to dispute these charges based on the fact that the merchant, XXXX XXXX, did not provide the service and refused the refund. Chase said it would reverse the charges, but did not. 

On XX/XX/XXXX, I wrote a letter to Chase disputing these charges from XXXX XXXX. I also disputed other charges that have since been resolved. Chase reponded on XX/XX/XXXX, and gave me less than a week to respond. I attach their response to me, as well as the form they asked me to complete. 

On XX/XX/XXXX, I called Chase and spoke with a woman who did not seem to understand that the pandemic forced many commercial passenger flights to be cancelled and that therefore airlines denied service to paying customers. Several airlines, including XXXX XXXX, also refused refunds and instead tried to issue credits. 
She asked me for proof of cancellation, such as an email from the airline, stating that flight was cancelled. The best I have been able to come up with is a press release, dated XX/XX/XXXX, from XXXX XXXX, stating that service is suspended through XX/XX/XXXX. I did not receive any written communications directly from XXXX XXXX, and XXXX maintained its communications with me by telephone. It seems to me that XXXX and XXXX XXXX were very careful not to put explicit flight cancellations in writing to individual customers ; however, a corporate press release suspending all flights seems sufficient proof to conclude that the flights did not occur by the airline 's choice and that I am entitled to a refund under the law. Please note that I did not cancel these flights.
Product: Credit reporting or other personal consumer reports

I have identified incorrect information on my credit report, as outlined in 15 USC 16c-2. I believe this inaccurate data is negatively affecting my credit score. I did not authorize the inquiries listed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 proces $ 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: Credit reporting

Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Equifax here are the detail of the hard pull inquiries which were not authorized : 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: Checking or savings account

My direct deposit occurs weekly every XXXX. Capital one has withheld my deposit. It is currently XXXX, XXXX XXXX, and I still have not gotten my direct deposit. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXXXXXX account numbers XXXX, XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account XXXX 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 States that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card

I acquired an XXXX account through my XXXX  in XXXX. There was a 24 month promotional interest free period and I paid the required amount every month. On XX/XX/XXXX, the promotion expired. I was not aware but the balance was approximately {$2100.00}. I saw my balance today and saw they charged {$3800.00} of interest on that {$2100.00} balance. I called immediately and was told the interest was over 2,000 % and they could not allow me to pay the {$2100.00} today on XXXX XXXX to alleviate the interest. I am devestated about this as my credit is stellar and I am normally very observant on interest rates and timely payments but as a teacher, I know I can not and will not tolerate this travesty of consumers. 2100 % is CRAZY!!! Please tell me my options besides not paying as I have never not paid my debts but I would sacrifice my credit for this principle. Please help me. At the very least, warn others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$810.00} XXXX ACCT XXXX {$190.00} XXXX XXXX XXXX {$33000.00}
Product: Credit card or prepaid card

It appears that in retaliation for complaint number XXXX filed with the CFPB, that this bank has retaliated against me by turning my cash rewards card into what it labels as a custom cash rewards card, where I have no status with the bank on any of my accounts. And they have completely XXXX my ability to access the cash back deals section of their website. This is in retaliation for the complaint it seems. It should be noted here, that when Bank of America finally responded to the original complaint and said it needed more time, it knew at that time that my credit card was at risk of further fraud, as is evidenced by its receipt of the information and responding to the CFPB by asking for more time. They were fine with leaving my credit card on and subject to more fraud. And then after that they started declining my purchases at every single place I go to, including stores that I frequently go to while they still have bot honored the fraud claim. So theyre just enriching themselves and retaliating against me. They should be refunding my fraud claim but they wont and now they are retaliating. This is a new complaint about the retaliation.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX  XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2023 Last 4 digit SSN : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX  FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX  for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX  that would justify this inquiry. 

This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX  to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely
Product: Vehicle loan or lease

I called Westlake financial services, the company that finances my car, on XX/XX/2020, in order to defer my payment which is USD XXXX because our household income was reduced drastically due to the XXXX situation. I was told then that customers are receiving a 30 days deferment on their payments and that I should call 2 days before the due date which is XX/XX/2020, to request a deferment. On XX/XX/2020, I called Westlake financial services again and was told that they no longer approve deferments even though they have approved it for others. I requested equal treatment but was offered an extension of the due date by 4 days and to make half the payment and I am expected to find a way to pay the other half ( no deferment ). Equal treatment was denied by the company saying that this is the decision of the company 's president and they have reached their limit. I was not told about this limit and I actually called on XX/XX/XXXX and was not given this deferment. I have been making payments for 14 months on time yet I was treated differently from others. At a time like this with anxiety, financial stress, and a health crisis going on, it has been extremely stressful and disappointing to be treated unequally and unfairly on top of all that.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 card or prepaid card

after using my wells fargo credit card, with no missing payments since XX/XX/2011. i am shook at the fact that it never got its graduation to a non money backup credit card. Now because of them placing a what they call a usual verification on a {$10000.00} check from my retirement account. i wasnt able to make a payment and after explaining this to wells fargo as the reason for getting off cycle. they claimed my account was closed, by me saying it was apart of the agreement to the securely back credit line. I wasnt the one asking to close this account, but wells fargo is seeing to mark in my report that i was. Also making 2 of my payment as 30-60 days late while showing the account as closed. im upset at the fact that i got this account to help with my credit while believing in the fact it wouldve gotten a graduation to a insecure account.
Product: Mortgage

On XX/XX/XXXX, Ally locked a rate for an equity loan ( {$370000.00} ) to fund purchase of an undeveloped piece of land for which we had by then entered into a contract to buy. Ally and we processed the equity loan without problem, the loan was approved, and a closing disclosure was issued XX/XX/XXXX. After this, and after rates started to rise, Ally began asking for tax information related to the undeveloped piece of land, for which we explained repeatedly we ( or any other member of the public ) do not have access, but which we attempted to have third parties obtain ( unsuccessfully ). Ally then suggested we lie and say no contract was in place ( despite us telling Ally in writing and verbally that the contract had been in place since the beginning. At this point, Ally refuses to stop insisting on unavailable and unrelated information. I'll attach documents and email chains explaining our frustration that extraneous documents and outrageous demands to lie as an excuse to not close. Ally appears to be creating excuses not to honor its rate lock.
Product: Checking or savings account

My primary checking and savings accounts were frozen by Bank of America ( BoA ) on or around XXXX XXXX XXXX. I was not notified or aware of this until XXXX XXXX XXXX after receiving information from my university 's financial aid office that my tuition payment was rejected due to a " Dishonored Account. '' I promptly called the BoA customer line ( XXXX ) at XXXX XXXX on XXXX XXXX XXXX and spoke to a representative. I was informed that my account was frozen because there was missing information from a co-owner, my mother. She does not have access to the account and should have been removed from co-ownership over a year ago. However, BoA 's records indicated that she is still a co-owner on the account. I am the sole owner of the accounts and have been since I opened the accounts in XXXX. The representative informed me that my accounts could not be unfrozen until XXXX updated " profile information '' with the bank. Federal Customer Identification Program ( CIP ) laws were cited as the reasoning behind the frozen account.  Getting nowhere with the representative on the phone, I visited a local BoA branch in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and spoke with a Relationship XXXX, XXXX XXXX. Initially XXXX XXXX was not able to even locate my accounts in the system using various points of information -- including my SSN and previous addresses. Once we were able to locate my accounts in the system, a message indicated that we needed to call the Texas branch of BoA and speak with a representative over the phone. Again, I was told that the co-owner must " update profile information '' before the account could be unfrozen. No information about the nature of " profile information '' was given and at no time was proper notice given to me. XXXX CFR XXXX - " Customer identification programs for banks, savings associations, credit unions, and certain non-Federally regulated banks '' laws do not require additional information be provided to the banks after the initial opening of accounts -- which occurred around 11 years ago. I believe my accounts have been frozen under immigration/citizenship questioning as many others have reported with BoA since XXXX -- despite both co-owners being natural-born citizens. I believe that these actions are unlawful and these actions by BoA have caused several of my normally occurring bills to bounce, become late, negatively impact my credit, and incur additional fees from billing agencies. This has caused me undue financial hardship and negatively impacts my job status as I have needed to spend hours away trying to sort it out.
Product: Debt collection

In XX/XX/XXXX I went to a car dealership that I'm loyal customer with and have bought several vehicles over the years. This time I had a considerable amount of negative equity on the vehicle that I wanted to tread in, and I don't thought was possible to buy a new car without covering the balance. The salesman tell me that I had the option to leave my vehicle at the dealership and that will get repossessed by the bank. He said that the only give this option to loyal customers, and the negative equity would get write off. By doing this way I would start a new loan, without the negative equity amount. I was hesitant to agree at first, but they ensure me that everything was going to be fine. He said that will affect my credit score. What they  don't tell me it is that now the bank still require that I pay the remaining amount of the loan that was suppose get write off. In XX/XX/XXXX the bank send me a letter requiring payment of the deficiency balance. In XX/XX/XXXX they sent me a letter from a collection agency. Now I'm risking a judgment and bankruptcy. Since I live paycheck to paycheck, I don't see how I will be able to pay. 
I was mislead by a deceptive practice into the purchase of a new vehicle!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to vigorously dispute the inaccurate reporting of a charge-off and subsequent issuance of a 1099-C ( Cancellation of Debt ) on my credit report. This reporting has caused significant financial harm and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ).

The issuance of a 1099-C indicating a cancellation of debt totaling {$600.00} or more has resulted in the Internal Revenue Service ( IRS ) considering this amount taxable income.

Furthermore, the charge-off being reported as negative information on my credit report is inaccurate and misleading. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( c ), furnishers of information to credit reporting agencies ( CRAs ) have a legal obligation to report information that is 100 % accurate. Reporting this debt as a charge-off when it has been canceled is a clear violation of these provisions. 

XXXX XXXX and XXXX XXXX XXXX, in concert with Transunion Consumer Solution, are violating the FCRA.
Product: Debt collection

I was the victim of bank fraud. I was hired for a new job and sent a check for purchasing hardware and software to complete my tasks. I deposited the check which my bank cleared by the next day completely for almost {$6800.00}. I was instructed where to send the money as well as show confirmation that the transaction went through. Once I completed the transactions, they stopped the check on their side and almost immediately Chase Bank charged me for the transactions. I immediately went to my nearest branch hoping to put a stop to the wire transfer that was showing in my account as still pending. Even after close to an hour on the phone with Chase while in XXXX of their branches, they didn't put a stop to the wire going through nor did they make an attempt to tell the target institution that it was an act of fraud. None of this would be possible if Chase hadn't cleared the entire check overnight and abdicated their responsibility to make sure the money was available instead of shoveling responsibility to me. I called to see if something could be worked out with the bank through their fraud department but all I received was the run-around and eventually being told the fraud department was the wrong place to report the fraud.