23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I booked a hotel for two nights for the night of XX/XX/XXXX and XXXX for ( {$190.00} ). I booked it through the XXXX XXXX. I paid through the app using PayPal pay in 4 installments ( {$60.00} ) Showed up to the hotel with two babies and they didn't have air conditioner. The hotel refused to give me my money back. XXXX said to contact PayPal. PayPal stated that they would gladly help me file a complaint in try and get my money back once I paid off the installments. The whole time as I was paying off the installments I was getting them all the documentation, bank statements, receipts that they asked for. When the day finally came that I paid it off, they told me that they are not responsible for air conditioner problems. The PayPal representative that I had on the phone suggested that I contact my bank and dispute it. That is exactly what I did. I contacted Regions and they got me my money back. Now the PayPal app is showing that I owe the money again even though I already paid them off. I called them about this and spoke to someone who transferred me to, who they said was, a " specialist '' to help me out. When I was transferred, I was transferred to someone who told me that they were a collection company for PayPal. I was extremely disrespected and laughed at. They called me several times a day for the following two to three weeks. Every time they called they said that they were PayPal , Inc. calling to offer me payment options to pay off my debt. I have worked so hard on my credit and do not want it to be affected by something that can be resolved so easily on their end. I thought I could trust PayPal and that they were a reputable company. I would like to give them another chance in the future to use their services but it is impossible because it is saying that I owe them. I have receipts and documentation showing that I didn't stay that night and that I stayed somewhere else. I can provide bank statements, etc. Please help me with this issue or let me know how I can help resolve this. Thank you.
Product: Credit card

I called Comenity 's fraud dept on XX/XX/23 at XXXX to report fraud on my store card for Express with Comenity Bank XXXX I asked if I could close the store card OR if I could freeze/hold the card to ensure fraud charges don't happen in the future. The rep said I could freeze/hold the store card and call if I want to use it, so I decided to do that. 

I was placed on a hold then the rep came back changing the policy stating I had to close the card and reapply, no freeze/hold is available to me. Now my online account no longer exists and I can not track the resolution of the fraud on my card. This will also lower my credit score being forced to close the card. I have never experienced fraud on any of my accounts and Comenity 's practice, forcing me to close the account and blocking me from viewing the account, plus damaging my credit score is so unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with credit bureaus, spoke with the company and they will not provide me any information why they will not take this off. In addition, they provided information to the credit bureau that they knew was false as they told me I had spoken with them, which I had not. I have tried multiple times addressing this was my previous deceased husband who leased an auto, forged my name and was fraud. The company says they do not have to take my dispute information and that they will not remove from my credit. I have filed police reports, showed erroneous information that they provided to credit bureau and advised the credit reporting places that the information is wrong and provided them documentation.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report as well as knowing the laws when it comes to credit, looking at according to FCRA section 605b it is illegal to report information on my credit report without my permission. 

The late payment with XXXXXXXX XXXX Account Number : XXXX shouldn't be on my credit report according to 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: Debt collection

ACCORDING TO THE NEWS LAWS FOR MEDICAL DEBT SHOULD BE DELETE FROM CREDIT REPORT AS XXXX XXXX I HAVE CONTACTED THE COMPANY SEVERAL TIMES AND THEY ARE REPORTING ON CREDIT REPORT
Product: Checking or savings account

I had made a deposit to the banking institution chase. I was informed that there was no banking error. However the machine hit a snap and did not provide me with a receipt. I had deposited alot of money and the company refused to provide me video of the deposit please assist. Amount in question well over {$600.00} dollars.
Product: Credit reporting or other personal consumer reports

I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting.

Under the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.

Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.

Reasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found. 
Based on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being. 

I request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment. 
Ensure all future reporting adheres strictly to FCRA standards. 
Provide written confirmation of the actions taken to correct these inaccuracies. 
Thank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been harassing me and trashing my credit report. I have tried numerous disputes to try and stop them. the account is from 2012 and still reporting to my credit report. They have reported me deceased over 5 times and caused my Equifax credit score to drop to XXXX. This company seems to think they can do whatever they want and due to their actions I have been denied auto loans, and other types of credit. Due to these damages and the stress involved this company should be investigated.
Product: Debt collection

This account started reporting to XXXX on XXXX XXXX stating I owe XXXX they reported XX/XX/XXXX then XX/XX/XXXX and XXXX XXXX at the same amount then it changed to {$1500.00} from XXXX to current XX/XX/XXXX I've contacted midland and I spoke to someone about a debit validation letter I never received also they told me the reason the amount changed was because I've was giving a credit because I met a certain criteria I asked if they can send me something explaining what kind of credit that was they said they couldn't, and also this amount of XXXX is on my credit report as the original about and that's in accurate as well XXXX reported midland XXXX amount and they are now saying XXXX is accurate and It isn't im not sure what I owe them if I did because reporting is incorrect and there's not validations or written paperwork to back this up I'm just lost the
Product: Credit card or prepaid card

I filed a complaint with this company before and I got a letter from them about the issue and now I have a new issue involving making payments. I logged in to pay off my credit card last month. Instead of the payment going through on that date, they posted the payment date as XX/XX/XXXX. It was showing in pending payments. So, I thought it would go through on Saturday, XX/XX/XXXX. I made sure I had enough funds in my checking account to cover the payment. The payment never went through. I went back to the website and the pending payment is gone and it shows I never made a payment so now I am late which means they can charge me a late fee. This is the issue I had before with this company. This company is fraudulent and actions should be taken. Actions need to be taken.
Product: Vehicle loan or lease

My car was repossessed. The lender did not let me know what will happen to the car. State law requires them to tell me when it will be sold at public auction, state law requires that the creditor tell me the time and place of the sale so that I can attend and participate in the bidding.If the vehicle will be sold privately, I had the right to know the date of the sale.Georgia has a consumer protection law that allows me to reinstate my loan which they denied. The creditor failed to resell my car in a commercially reasonable manner. I plan on claiming against this creditor for damages or a deficiency judgment. The creditor tkept or sold my personal property ( a new car battery, a XXXX bbq grill ). The creditor did not tel me what personal items were found in my car and how I can retrieve them. The creditor didn't use reasonable care to prevent anyone else from removing my property from the car. This creditor cant account for articles left in my vehicle. After I requested them remove the repossession form my credit, they sent me letters to try and be in conformity with the law. My XXXX credit report reflects a closure date of XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX violated my privacy rights XXXX US DEPT. OF EDUCATIONXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX All of these consumers ave violated my right to privacy 15 U.S.C 1681 SECTION 602 A States I have the right to privacy.

15 U.S.C SECTION 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters stating that the public record reporting to me is inaccurate.. Transunion verifies bankruptcies thru XXXX.. I have included letter from XXXX stating that they have removed it from there record so how are they verify this public record ..Im a victim of id theft. My father has same name as me XXXX XXXX he has filed for bankruptcy.
Product: Debt collection

Company Name : COLUMBIA DEBT RECOVERY Collections Amount : {$9500.00} Urgent Request for Removal of Inaccurate Accounts on Credit Report : Upon reviewing my credit report, I discovered accounts that do not belong to me, which have severely impacted my credit score across all three bureaus. I first noticed these discrepancies on XX/XX/, and since then, they have negatively affected my financial opportunities, preventing me from applying for mortgages, credit cards, and other financial products. These accounts represent false debts that were added to my report without my knowledge or authorization. I am requesting immediate action to investigate and remove these inaccurate entries. Please confirm receipt of this complaint and provide an update on the steps being taken to resolve this issue. Thank you for your prompt attention to this urgent matter. Sincerely, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent charges on my credit report. This has been hurting me as I am trying to buying a home for my family. Please remove the fraudulent charges immediately.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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: Checking or savings account

I tried to open a joint savings account with my spouse " XXXX XXXX '' but it was rejected. I was asked to reach out to XXXX XXXX. From them ( XXXX  XXXX ) I come to know that there is a balance of {$2400.00} which is not paid by her ( XXXX XXXX ) and that's why the joint savings account can not be opened. 

But this was already paid ( more than 90 days back ). So why in the world Ally bank is doing all this? I have the entire emails regarding this discussion. All the transactions are also been recorded. 

It seems that Ally Bank has no idea what they are you doing?
Product: Credit reporting or other personal consumer reports

Rent recovery solutions was put on my report with a XXXX dollar balance and I want it removed immediately! Was reported XX/XX/2024 with no account number.
Product: Debt collection

The loan in question, unfortunately defaulted. I had made payment arrangements with the collection agency after being threatened with a lawsuit. The payments now are being taken on a different date than originally agreed upon causing me to fall behind on more bills. I have Attempted on multiple occasions to reach them via telephone with no success. The collection tactics used were unnecessary. I was threatened with a lawsuit and advised that my employer would be notified of this issue. I was also threatened to be served with the lawsuit papers specifically at my place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to XXXX XXXX XXXX   XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 
- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.
Product: Mortgage

In XX/XX/XXXX1998 XXXX XXXX XXXX Mortgage charged my account $ XXXX believe this is the cost of XXXX foreclosures which were filed in error XXXX XXXX XXXX XXXX $ loss problems and Wells Fargo merged XXXXI have been trying since 1998 to get a breakdown ( ie time with explanation ) of what makes up this $ amt. Since XXXX every time I send in a RESPA qualified written request, I get the same reply. Which I believe to be a sham '' The matter presented in your correspondence is currently under review and a responsewill be provided to you once our research is complete '' I have yet to receive an answerwith the information requested. I need the reply to be broken down into Attorney fees, late charges, or whatever? by time line. ( ie Late charges {$25.00} for what time? 
I believe this is constructive fraud designed by Wells Fargo.for their gain. Please note, I must receive a reply which will contain time, description and $ amt. XXXX years is sufficienttime to do their research.
Product: Mortgage

For 2 years now I have been receiving my mortgage statement in my XXXX  account and paying within a couple of weeks and then receiving an email stating that my " payment has been received ''. It went well for quite a while. I am expecting to retire soon and wanted to pay extra on my principal so started doing that but one day I get a call stating that my mortgage is not paid. I had been paying up to 2 weeks or better ahead of the due date all this time, very consistent. They stayed very consistent with me for almost a year so I asked that it be fixed it twice and then this last time I experienced a person on the other end telling me that I had not noted how the money was to be applied therefore it was totally applied to the principal and now my monthly was late. I asked the young man to just do as they had done all these other times... it's been very upsetting. I submitted to XXXX  but it was outside their scope. I am hoping that somehow this can be resolved. I even resorted to considering refinancing but that would be entirely outragious because of the expense it would cause me. I will provide the log of statement/payment/received to the history of this mortgage. I would be so very grateful if this can be resolved.
Product: Credit card

I was offered a credit card pre approved. them I filled it out. When I received card XXXX dollars was due. Once the first year ends it is 10 a month. I never activated card, when I received a call from the company. They told me they would cancel card and refund the XXXX. 4 months later and account is open, never have I charged on card. Charging 25 % of limit was not on the application. Otherwise I would not have applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not legally responsible for this account, the creditor offered Covid assistance as part of the CARES ACT 2020. The creditor told me they would offer a repayment plan, and instead sent the account to collections. This is negatively affecting my credit report and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this afternoon, and I have no idea how they got there. While checking my credit report as I normally do, I came across these unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inquiries remained. I am deeply frustrated by this issue and urgently request that the documents I provided be carefully reviewed so I can finally stop worrying about it.
Product: Credit card

I purchased a pair of boots from Macy 's in XX/XX/XXXX. The statement closed on XX/XX/XXXX. I received the boots on that day and did n't care for them. I returned them on XX/XX/XXXX for a full refund. No interest had been charged on the card. This came to a XXXX balance. On XX/XX/XXXX I ordered a jar and another pair of boots which means those should go on my XX/XX/XXXX statement and be due in XX/XX/XXXX. Instead Macy 's is n't considering my return of the boots a " valid payment '' for my XX/XX/XXXX statement and what I charged after statement close is now due on XXXX which is when the minimum payment was due for the boots I returned. I talked to a supervisor who told me this was legitimate and valid because returning the boots for a full refund and making my account a XXXX balance is NOT THE SAME as making an actual payment so I did n't " satisfy '' my payment requirement due on XX/XX/XXXX. So apparently even if I had n't charged the new pair of boots and jar on XXXX they were still expecting money from me on boots I NO LONGER HAVE IN MY POSSESSION because I would n't have met their minimum payment requirement by just returning the boots. I have NEVER, EVER, EVER had a credit card company do this. When I return an item after statement close they credit my account and it ALSO goes toward the payment that 's due. I should not have to pay for what I charged on XX/XX/XXXX until after my statement close on XX/XX/XXXX. Instead they are making it due XX/XX/XXXX even though what was due on XX/XX/XXXX came from my statement close on XX/XX/XXXX and was an item I returned for full refund on XX/XX/XXXX. I feel this to be illegal business activity.