23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/23 I purchased a XXXX from XXXX XXXX XXXX in XXXX  XXXX Missouri to be used the same day. When checking out I looked at the date of the XXXX and it was correct. While driving to hotel my wife realized that it was for the next weekend. We immediately tried to cancel the XXXX and contacted their customer service. The only way to talk to someone is through an app on their site and the customer service is subpar. They wanted information from the hotel and the hotel would not provide me that information that the room was not used. Even after the date it was supposed to be used. We have been with USAA for over 19 years and disputed less than 5 things or charges that were inaccurate in that time. I have provided documentation pictures of the conversation with XXXX and dates that the great wolf lodge was contacted multiple times. We have not been given what they utilized to make a decision or what information or investigation they did with XXXX and XXXX XXXX XXXX.
Product: Debt collection

On XXXX I checked my so-called credit score and I noticed a so-called unpair dent from a DEBT COLLECTOR : CREDITORS BUREAU USA The so-called original debtor : XXXX XXXX XXXX XXXX Had fraudulent reported my information to third parties, as a consumer I would like this fraudulent information deleted off my so-called credit score and I am seeking monetary relief.
Product: Credit reporting or other personal consumer reports

After checking my credit report, I noticed several billing discrepancies. The late payments do not reflect my typical payment history.
Product: Credit card

On XX/XX/XXXX I notice a charge on my cash app card that was not done by me. I contacted XXXX to find out more about this purchase and was informed that this was not mines because it was not on my XXXX and I was told to contact the financial company to report this fraud. I did exactly that and contacted cash app about this fraud. Cash app has denied this claim because they said it was my fault that I allowed someone to commit this fraud. Which to me did not make any sense because how could I have allow someone to commit this fraudulent activity they could not provide me with any proof that this was my fault instead are telling me to pay them. I have tried numerous times to work with them to resolve this problem and theyre not willing to help
Product: Credit card or prepaid card

I reserved a hotel and when I arrived the room was dirty. I did not stay and my credit card was billed. I immediately disputed with my credit card XXXX  and recover credit from them XX/XX/XXXX. I never heard anything more. On XX/XX/XXXX the credit was reversed. I have not received any reason for the reversal it just showed up in my account. I contacted the bank and they said it was in prearbitration and visa sided with the merchant. I was not given a chance to respond the merchant. I never stayed at the hotel. I told the bank it was not authorized and they said their was nothing they can do about it. I would like to receive my credit back. It was just rebilled to my account and no I explanation just out of no where. The rebill put my account in the negative. They also rebilled my account more than 90 days after the investigation began.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  {$9400.00} Date Opened XX/XX/XXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX {$38.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I was contacted in XX/XX/XXXX and the cryptic representative would not reveal what he was actually calling for but because I was hesitant to converse with him, a stranger, he THREATENED to DESTROY my credit and rental history. My consumer rights were violated. FDCPA 15 USC 1692 ( e ) 7 states that a creditor can not threaten to 'disgrace ' a consumer in any way. The collector agent that called accused me of REFUSAL to pay. I never refused to pay anything, nor did I validate whatever the debt supposedly is. Accusing me of refusing payment is a form of coercive abuse prohibited in 15 USC 1692 ( d ) 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im baffled at this moment. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint 6th times already. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully this is for the last time. Experian has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am trying to sign up for the Avant credit card civil suit amd get some money reimbursed and my credit report fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Early in XXXX of last year, I began shopping for a new or used car. The first dealership I visited pulled my credit reports and my wife immediately received notifications that her credit reports had been accessed. We assumed the dealership was doing something illegal. About three days later, I applied for a loan on a new car at a different dealership. The same thing happened, so another business was made to look unscrupulous. 

My wife figured out what had happened. XXXX and XXXX seem to have produced pretty accurate reports. Experian, however, has made a profound mistake : my wife 's credit report has been merged with mine, so that neither of our credit reports is accurate or valid. Furthermore, Experian 's contact information leads one on a figure eight with no questions answered and no hope of resolution. 

The false hope of speaking with a live human being at Experian is exasperating. And their negligence has caused my wife 's credit score, which had greatly improved, to plummet. My credit is very bad because I did a voluntary repossession on my previous car ; she should not be punished for my choices.
Product: Credit card or prepaid card

On XX/XX/2019, I checked into the XXXX XXXX in XXXX XXXX, AL. I had 2 rooms reserved for our stay. The first room, # 300, for two nights in the amount of {$490.00} was charged to my Discover card. There was a {$240.00} pre-authorization fee charged to my credit card, this charge was reversed or rolled off my Discover card. My second room, # 104, in the amount of a {$430.00} was charged to my card. There was a {$240.00} pre-authorization fee  charged to my card that did not roll off or reverse. 
This charge, {$240.00} was placed on my card XX/XX/2019 ( see attached billing statement ). The letter from the merchant dated XX/XX/2019 states that the pre-authorization charge was placed on card and reversed on XX/XX/2019, perhaps that charge was reversed, but as you see the additional {$240.00} was placed on my card XX/XX/2019 and not reversed. 

I have contacted the merchant by phone and Discover by phone and mail. Discover considers dispute valid and no further investigation warranted. I am not sure how Discover arrived at their conclusion ; however, the charged is definitely invalid. I am not disputing the bill for the two rooms, but the reserve hold charge of {$240.00}.

Please assist me in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is COMENITYBANK with Account number XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$0.00}. 


15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed negative/incorrect items on my credit report and never got a response back
Product: Money transfer, virtual currency, or money service

My realtor was contacted on the first day of our open house by a fake XXXX field technician that the property had a disconnect notice for that day if I didnt make an immediate payment. My realtor called me and gave me the XXXX number, fake XXXX  number and asked me to make sure our power wasnt turned off. Though I could not locate any emails from them or mail that we were behind on payments I proceeded anyway. 
I let my fear get the best of me and Zelle transferred {$6500.00} in total over the course of 5 payments. They kept saying I had errors in my transactions and that theyd return the payments- they sent emails pretending to be deposits or refunds from XXXX. They had an XXXX email account on letterhead and it seemed legit but something was off but the guy on the phone was polite, savvy, and had an explanation for all of it - we havent even lived in this house since XXXX but Ive been maxing out my credit card used for autopay to pay the construction repairs so it was somewhat plausible that maybe we owed them. 
They are targeting open houses and by using my realtor to deliver the message it carried an air of authenticity.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Mercedes Benz, regarding the incorrect information on my credit report on the outstanding balance and reporting payments for lease. In XX/XX/XXXX, I began my four year auto lease with Mercedes Benz. In XX/XX/XXXX during the COVID-19 pandemic, my vehicle was stolen and it took XXXX months to recover the vehicle. Due to COVID-19, Mercedes-Benz financial services agreed to defer my payments for two months. Lease ended in XX/XX/XXXX and vehicle was inspected at home and turned in with a XXXX balance. Months later Mercedes-Benz Financial reported a {$6100.00} debt to all credit bureaus. Mercede-Benz is still claiming that I have this vehicle and requesting payments for the lease to the credit brueas. I have been trying to remove this debt with all three credit brueas for almost a year due to incorrect information that Mercedes-Benz Financial Services is claiming. I submitted documentation when submitting the disputes, which is an official balance letter with XXXX balance that was sent to me via mail by Mercedes and copies of report. The information has not been removed and I am unable to obtain credit due to this information in my credit.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Bank of America did not stop or cancel XXXX payment after being scammed. Please see attachments
Product: Checking or savings account

Marcus by Goldman Saches is illegally withholding my own money. Since I opened Marcus account XXXX, I have transferred over {$13000.00} into it from my XXXX account. On XX/XX/XXXX I tried to transfer {$8000.00} out from my Marcus account to the XXXX account and Marcus rejected my transaction. I called Marcus on XX/XX/XXXX to ask the reason. In the phone, their agent first verified my identify by checking my full name, DOB, SSN last XXXX and secret word and I all answered them correctly. Then the call got transferred to an account XXXX. He told me the account was locked because using their own internal verification procedure. They keep saying that they can not authenticate me because of the phone number. I only have XXXX phone number and I used that to create the Marcus account. This is the only phone number in the Marcus system, but they say that they can not authenticate me with that phone number. It's completely unreasonable, because I give all of my information to them. I called Marcus XXXX times, they always give the same answer. All of the Marcus representatives are unprofessional and unwilling to solve my problem. What Marcus is doing is deliberately withholding my money, which is completely ILLEGAL.
Product: Mortgage

Hello, forgot to add these attachments as further evidence. Checked the portal this morning and still no document updates... everything is still showing from my side on pause for the forbearance.
Product: Mortgage

I received a monthly statement from Shellpoint at the end of XXXX indicating that my monthly payment due on XX/XX/year> was {$400.00}, I was previously paying around {$130.00} before it was transferred to Shellpoint. There was no explanation as to why there was an increase and it was received by me literally days before the payment was due so no advanced notice of the increase was given either. I immediately sent a message through the website to ask for an explanation for the increase. I received no reply, I then submitted a 2nd request and have still yet to receive an explanation. I did today receive a secure message letting me know my escrow analysis is done yearly. I do not even have an escrow account with Shellpoint as this is a 2nd mortgage so I don't even know why I received that. I got another statement in early XXXX dated XX/XX/year> and that one said my payment was {$350.00} and then the statement for XXXX dated XX/XX/year> had a payment of {$320.00} which is yet another amount and still no explanation as to why it increased when the loan transferred and why no advanced notice was given. The XXXX statement had an incorrect original balance as well so I am not even sure they have the right balances or rates and am not being provided any details. My loan is now delinquent because I can not pay the increased amount and do not even understand or know why it increased.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the several unsuccessful attempts to remove a charge-off from my credit report. Despite persistent efforts, the charge-off remains, adversely affecting my credit standing and financial opportunities. 

I discovered a charge-off entry on my credit report, and since then, I have diligently followed the necessary procedures for disputing and seeking the removal of this negative information. Despite my multiple attempts, the charge-off persists, causing undue hardship and impeding my financial opportunities. 

I wish to bring the following issues to your attention : Inadequate Resolution Attempts : Despite multiple requests and disputes, it appears that the attempts to rectify and remove the charge-off entry from my credit report have been unsuccessful. The lack of progress is disheartening, and I am left with a negative mark on my credit history. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the dispute and the actions being taken would have provided reassurance during this challenging period. 

Continued Adverse Impact : The presence of the charge-off on my credit report has adversely affected my creditworthiness, making it difficult for me to secure favorable terms for financial products and services. This has resulted in financial strain and limited opportunities for improvement. 

I understand that addressing charge-off entries on credit reports is a complex matter, but as a concerned consumer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the charge-off entry from my credit report. Additionally, I seek clear assurances and a detailed plan outlining how your credit bureau intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX  Balance : {$44.00}.
Product: Checking or savings account

My bank account was incorrectly charged high over draft fees. As well my account got incorrect frozen.
Product: Student loan

Mohela is withholding, as the federally contracted education loan servicer, XXXX of the COVID forbearance education loan payment refunds that I requested on XX/XX/XXXX. Each time Mohela has processed a refund payment though the US Treasury, it has changed my zip code in my contract information in my account profile. On XX/XX/XXXX, the first refund payment issued by the Treasury was mailed to a DC area zip code instead of my zip code in Texas, although the rest of my address remained a Texas address. That check never reached me, and Mohela staff told me it was returned to the Treasury for an incorrect zip code and the check was cancelled by the Treasury. On XX/XX/XXXX, Mohela issued the second refund payment through the Treasury to a XXXX zip code instead of my XXXX zip code that I had corrected in my profile last winter. My zip code was correct in my education/servicing agent profile before the XXXX check was issued and i had corrected after learning that the check was returned. Then, I looked at my profile after Mohela advised me that a second check was sent and the zip code had again been changed from XXXX to XXXX. I did not change it myself, so it had to be changed by Mohela staff, clearly with the intention of preventing me from receiving the refund checks both times. I feel like I am being scammed. On XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX from Mohela advising me they are researching what happed to the first check sent in XX/XX/XXXX - after their staff told me last winter that the Treasury had cancelled the check when it was returned with a bad address by USPS. It appears evident that the " we need to research this '' tactic- when they already know what happened to the check issued in XXXX- is merely a stall strategy in an attempt to not have to pay the funds or at a minimum delay the payment of the refund. It would be really convenient to tell everyone who requested their COVID forbearance payments refunded and then consolidated their adjusted balances, that the refunds are just taking forever ... .people might die, forget or just not continue to press for it. In my case, I had paid down my total education loan balance to {$16000.00} during the forbearance period. Pretending to refund me COVID payments, Mohela processed my loan consolidation request for {$30000.00}. ff they never actually made the refunds I requested ( which they by the way offered to make ), then Mohela would pocket {$13000.00} and could probably hide that in their accounting bookkeeping in some fashion. Again, this feels like an attempt to scam customers. Thank you for addressing this.
Product: Debt collection

Sequium is reporting the same debt as XXXX collections. Sequium needs to remove this debt as soon as possible!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the presence of fraudulent accounts on my credit report, as indicated by your bureau. These accounts are unequivocally fraudulent and has been acknowledged as such by the relevant company, which has taken steps to eliminate it from their records. Despite my repeated attempts to have these fraudulent accounts removed from my credit report, your bureau has failed to act. This failure is unacceptable and has had a detrimental effect on my credit score and overall financial standing. It is worth noting that other major credit bureaus, such as XXXX and XXXX, have promptly removed these fraudulent accounts from their records after confirming its fraudulent nature. Your bureau 's failure to do the same is deeply concerning and raises questions about your commitment to fair and accurate reporting. I insist that you immediately remove these fraudulent accounts from my credit report and provide written confirmation of its removal. Failure to do so will result in further action being taken against your bureau for negligence and misconduct. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America tried to let CFPB case to close, then they recharge me again the same amount that I dispute about it. 
So bad customer service I'm receiving from this bank. 
I'll try to reach to the highest financial organizations and government level to write a claim about this bad financial institution customer service as I spent almost one-year doing phone calls or visit the local branches to redescribe the entire situation. 

The transaction happened in XX/XX/2018 by Hotel in XXXX . 
After " solving the problem '' my bank recharge me again on XX/XX/2018. 

Thank you,