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

On XX/XX/22 I booked an hotel and checked out on XX/XX/22. I contacted the hotel and they stated the release has been lifted & the funds shouldve been returned by now. I contacted cash app on XX/XX/22 at through out the day on chat and then by phone at XXXX and I were then left in a incomplete chat and then phone call I were left on hold and kept being asked to hold for close to 45-50 minutes for the cash app representative to repeat where they left off in the chat of asking me to supply the receipt from the hotel of XXXX. I gave them what the hotel supplied me and they refuse to settle the hold on my account because it does not have the last 4 of my card number on the XXXX receipt. Then also complained about the receipt legitimacy of the logo of the company. In which I feel accused of wrongly submitting a document that they refuse to verify with XXXX and ask for their own copy to determine legitimacy ; instead making me as their customer out to be wrongfully accused. The hotel also stated that they have no control over the receipts of the company supplies to its customers & they too have to abide by HIPAA compliance by not supplying generated receipts with sensitive information on them. Also Cash App advertises that 1 - 3 business days is the time where transactions is then returned. I have been told by a cash app representative of 14 days in which under the screen shots I have supplied it clearly states 1-3 days. Cash App is falsely advertising on their processing with their bank, no bank has ever asked me to provide receipts when I visually used their card to purchase, then after supplying the receipt its told its missing information/invalid when no one but XXXX company can decide what their receipt says/are the only ones that can validate their customers stay. Cash App stated they are refusing to settle my refund & stated they will take longer to process. This is unrightfully holding money of customers and should be investigated ; with poor service. Also advertising conflicting criteria to its customers.
Product: Mortgage

We were scheduled to close on our property in XXXX tomorrow, XX/XX/2020 with Atlantic Bay mortgage company. Our mortgage banker XXXX XXXX just informed that closing will have to be moved to Friday. She refused to explain what the reason was and blamed it on us pushing the closing date. When I spoke to the builder 's agent, XXXX XXXX, she informed me that XXXX had in fact forgotten to send us a disclosure document over the weekend and that I was supposed to have received it 3 days before closing. XXXX just confirmed to me this morning at XXXX XXXX  that everything was good for closing. The builder 's agent confirmed with all parties over the weekend that everything was good to go. We have hired a moving company, scheduled deliveries, and checked out of our hotel for tomorrow. I filed an online complaint with Atlantic Bay but received no email confirmation. When I tried to file a complaint over the phone, Atlantic Bay hung up on me every time I attempted to do so. I am disgusted by this unprofessional treatment. This company has terrible customer service and apparently incompetent staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist account XXXX account XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO ME, THEY ARE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CAN YOU PLEASE REMOVE THEM OFF MY CREDIT REPORT. 




In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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: Student loan

my student loan is with navient. i agreed to a forbarence and made a payment and it was suppose to get me caught bqck up. well they didnt take the monwy out of the account at first and i called them and thwy said it was just taking some time to process bc of the holidays. i called two more times. they said thwy got it. it even says payment received on my account and that i didnt need to make another payment till XXXX then they changed thwir mind and i needed to make a payment for a bunch of late fees. then they changed their mind again and said i owe XXXX and hundreds of dollars now and the XXXX payment. i have issues with repaying my loan and dealing with the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my credit from cashnet USA saying I got a loan and I have not I live in NC and payday advance loans are illegal here
Product: Credit reporting, credit repair services, 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

I applied for the Barclays XXXX XXXX card on XX/XX/XXXX and have had multiple issues with this card ever since that date, none of which are resolved by calling into their customer service. 

Upon applying online for the card, an offer was made for a 0 % apr balance transfer from any card I prefer. This offer/checked box on the online form showed no direct information of being applicable to have a fee, nor did the brochure spell out a fee involved. Nor was there a popup of any kind to notify me of the fee. 

3 weeks later, I went to use my card on vacation and was decline, at this time I had made at least two payments even though I had yet to receive a formal bill. Multiple times that day my card was declined. I checked online and was over {$1000.00} away from being close to my limit. I called and was told my balance transfer had been completed and that it counted against my available credit limit. At the time I requested a balance transfer, I received no confirmation that it had been accepted or had actually taken place, no text, mail or email explaining the balance and the website did not reflect it. 

I kept sending payments to help get the balance down, even though no bill had been issued. 

Today ( XX/XX/XXXX ) I was checking into my statement and see a fee of {$90.00} that occurred on XX/XX/XXXX, for a balance transfer. I called and they told me there was a fee charged to do a balance transfer ( the transfer they never made me aware that had occurred, and along with a fee that I was never notified of or made aware of ). Currently, I'm still on an hour hold waiting to speak with a supervisor who's employee has already told me that I should've been aware of this " fee '' when I applied ( though there was no notification on their website while applying for the card when the transfer " special '' was offered ) and that I should give up because no one will credit me that fee back. 

Again, never received any mail or email or text confirmation that any balance transfer had been completed in any of this time frame. 

I'm at wits end with this card and feel so taken advantage of by this organization and at the way the card was promoted on the XXXX XXXX flight we were on. No one ever seems to be able to resolve my issues when I call them and they leave me talking to brick walls over sneaky and unethical methods to charge fees to unsuspecting credit card applicants and users. 

Please help.
Product: Mortgage

Dear Sir/Madam, In conjunction with our original request with your office, for assistance to hold Wells Fargo Mortgage responsible for its willful negligence and illegal XXXX Home Improvement contract that we were forced to sign in order to have our closing. 
They deemed and validated their contractor who abandoned our first home renovation thereby placed our entire family in financial distress. Our family was XXXX for five ( 5 ) months and we still paid our mortgage and outstanding debts. Attached is further  documentation for your review. 
As of today, we are in the process of completing Wells Fargo financial hardship loan  modification application and we need your intervention with it. We have submitted documentation that my husband is a XXXX XXXX XXXX member, he had XXXX in XX/XX/XXXX, and his XXXX  stated so in a letter submitted to Wells Fargo. His work schedule has been significantly alter not due to health but due to work conditions. 
We have had Court judgments against us XXXX confiscated {$1000.00} out of our Wells Fargo account this XXXX that was towards our XX/XX/XXXX mortgage payment which is not paid and now we are in XXXX. 
Wells Fargo is currently requesting redundant documentation from us and we our appealing to your office to re-review our complaint and this additional documentation so we can have relief from this two year overly burdensome experience with Wells Fargo mortgage. 
We want our home! We have invested tears, sleepless nights, sweat equity and all our financial resources to make it our home. 
We appeal to your office to please review all newly submitted documentation and our original complaint to consider this appeal. 
We are grateful for your most recent assessments and awarding against Wells Fargo on XX/XX/XXXX. 
We pray for your consideration in our matter.
Product: Credit card or prepaid card

I tried to use my card on XX/XX/21 at XXXX XXXX restaurant for approx XXXX and card was declined, tried to use the card elsewhere and still declined. I was not able to log in to my account either. I was finally able to reach them by phone and was told my account was under review. Next day got an e-mail that my account was suspended and I have no way to get my money from the card over {$6000.00} I can not withdraw, purchase or anything and they will not help me the only phone numbers they give just ring and can not leave a voicemail. My paycheck is also deposited to this card.
Product: Debt collection

I have a serious issue with AMERICREDIT/GM FINANCIAL. Account information : Account # XXXX, Date opened : XX/XX/XXXX, original balance {$4100.00}. 

GM failed to provide notice of outstanding lease amount, I pre-paid entire lease in XX/XX/XXXX, turned vehicle in to dealer in XXXX, and gave the dealer my updated address. No notices were sent and 6 months later I find a charge-off on my credit without any calls or emails sent to me. 

GM told me to pay and this wont affect my credit. I paid right away and yet the account still shows on my report. 

GM Financial is also reporting inconsistently across the 3 bureaus and they failed to provide me with notice of adverse information insertion as required by the California Civil Code. 

MY DEMAND IS THE DELETION OF CHARGE-OFF FROM ALL 3 CREDIT BUREAUS, FOR BOTH MINE AND MY PARTNER XXXX XXXX. 

I have been through a lot with this problem and I deserve a fair solution. This issue is affecting me emotionally and financially. 

Please send the attachment to the company. 

Thank you.
Product: Debt collection

I do n't remember this credit card to be honest I receive a letter from the XXXX of new York saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be Sue for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was Sue before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been trying to dispute negative accounts from my credit report, several times. XXXX XXXX Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are negative accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached below are recent dispute letter I filed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 of the FCRA ( 1681i ). 
On XX/XX/XXXX, I reviewed my credit report and noted the following unresolved issue related to an account from XXXX XXXX XXXX  : Comments in the Report : " Account Previously in Dispute Now Resolved by Data Furnisher '' " Account Closed by Credit Grantor '' Credit Card These comments fail to address the inaccuracies I previously disputed. XXXX reliance on the data furnishers response, without providing supporting documentation or conducting a thorough reinvestigation, is unacceptable. 
The following discrepancies remain unresolved in the account : Date Opened : Inconsistent dates. XXXX reports XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. 
High Credit Amount : Discrepancies in the high credit amount. XXXX and XXXX report {$2600.00}, while Equifax reports {$2500.00}. 
XXXX XXXX : Inaccurate credit limit. XXXX and XXXX report {$2500.00}, while Equifax reports {$0.00}. 
Payment Status : Differences in the " XXXX  days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. XXXX reports XX/XX/XXXX, while XXXX and Equifax report XX/XX/XXXX. 
Date of Last Payment : Variation in reported dates. XXXX and XXXX report XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
Equifax directed me to contact XXXX XXXX Bank at : XXXX XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX. 
This is an evasion of XXXX responsibility under the FCRA, as the burden of proof lies with the credit reporting agency and the data furnisher, not the consumer. 
To further document this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under FTC Report Number XXXX. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and creating undue stress. XXXX failure to comply with its obligations under the FCRA undermines my ability to access financial products and manage my finances effectively.
Product: Checking or savings account

In XXXX Bank of America sent me a message that they had closed my account due to fraud later. After that my Social Security check came in and it was direct deposited and they in that account they sent back all the other bills that I had tried to pay through my account and they kept the Social Security check, Ive tried several times to get it back from them and find out what happened and they just keep telling me it was due to fraud and finally on Wednesday someone from that office told me that there was three wire transfers made to my account and then returned. I know nothing about this. I dont know anything about wire transfers, and because of this, I have had two other banks close my account as soon as I open them due to this problem, I have asked that please let me get my money so I can pay my bills and they tell me that when they finish investigating, I can get my money. Its been 45 days already. I dont know when they gon na get Finished The other two accounts that I got closed on me came with XXXX and XXXX.. I have a small amount of money in XXXX which they are old and also so I am just trying to get my money back. I didnt do anything. Its really sad when you only get {$1200.00} a month to live on and you cant even get that.
Product: Student loan

I 'm in school at XXXX XXXX half time receiving XXXX XXXX. I was told the school did not send my hours over for them to put the loan into deferment. I was told on XXXX/XXXX/XXXX, they received the hours verification paperwork from XXXX XXXX but they would have to " double check '' to make sure I should be in deferment. Meanwhile, I 'm receiving letters asking for me to pay my past due amount and I 'm going to have to call on Monday, XXXX/XXXX/XXXX to turn off my auto payment due on XXXX/XXXX/XXXX. What triggered the loan repayment is XXXX XXXX XXXX let then know in XXXX XXXX that I was not at the school anymore so the grace period had ended. This is the first time ever I have had ANY trouble with XXXX XXXX XXXX following the proper procedures for deferment. I do not want to be coded as XXXX because FedLoan Servicing wo n't comply with the law. I 'm at my wits end trying to get this worked out. I do not want to use the forbearance because I 'm unemployed right now and I may need that next year. My loans go back to XXXX and I never had issues with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, wire sum of {$20000.00} was sent to Wells Fargo for an automobile purchase. XXXX and I have flagged to Wells Fargo the day the wire was sent to retract the funds and that the company is fraudulent. Wells Fargo confirmed the transaction and message sent with XXXX but then after, it has been silence from Wells Fargo. XXXX and I have called numerous times and messages to no response from Wells Fargo. I have also filed an fbi, occ, ftc, and local police report too. Thank you for your time..
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL MY NOTARIZED DOCUMENTS TO XXXX XXXX SERVICES AND TO EQUIFAX. I AM CONSUMER WHO IS A VICTIM OF AN IDENTITY THEFT, I HAVE NEVER REQUESTED OR WANTED TO BUY A CAR FROM XXXX XXXX SERVICES. I HAVE NEVER DRIVEN A XXXX, THIS ACCOUNT IS NOT MINE, IT WAS NEVER MINE.
Product: Debt collection

Reporting an alleged debt in the amount of {$150.00} to credit bureaus. Company has refused or is unable to provide the requested information per consumer protection and FDCPA guidelines. 

1. My full and complete personal information including SSN, DOB, etc to help identify me as the person you are trying to collect from 2. Agreement that bears the signature of the alleged debtor wherein he agrees to paid the original debtor.

3. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money money that you claim I owe. 

4. Proof of identification ( i.e., drivers license, state identification card, or other government issued identification ) that was presented to you at the time of incurring this alleged debt. 

5. Letter of sale or agreement from the original creditor to your company ( Agreement with your client that grants you the authority to collect on this debt ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( XXXX XXXX XXXX XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to creditor, and documents conferring authority to collect on the debt. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in Boatley v. Diem Corporation, No. Civ 03-0762 ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt.
Product: Credit reporting or other personal consumer reports

See attached information and look to what has been done. I have a XXXX number for my XXXX which is XXXX. This is what needs to be identified with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Debt collection

XXXX which I have no idea what the acronym stands for is a debt collection company that is reporting to the credit bureau a debt that I don't owe. The originator of the debt is XXXX in the amount of {$1500.00} I have no idea who XXXX is. XXXX is also trying to collect a debt that the originator was XXXX XXXX in the amount of {$1900.00}. This is false because my rent was debited automatically from my account. I have never received written notice from XXXX in reference to this debt. It is unfair that companies can just report things to the credit bureaus without sending notifications to verify accounts. I have no idea what the account numbers are.