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

Date of hotel stay - XXXX I booked to stay XXXX night at XXXX XXXX XXXX XXXX in XXXX XXXX using my XXXX  chase card via XXXX XXXX. No where on the website explains that the jacuzzi is closed, when we arrived we only had an option to swim in the non-heated pool which was freezing. The following morning, I had XXXX bug bites on my forehead, which looked like XXXX infections. I told the hotel and the broker which I used XXXX XXXX XXXX XXXX and the hotel completely ignored me. Claimed they did not receive my emails, and said told XXXX XXXX it was was in their spam folder. XXXX XXXX said the hotel said I had the XXXX prior to arriving, and that I spread the germs to the hotel which is complete blasphemy. I just wanted a sincere apology, but now i want a full refund. 

I am completely dissatisfied with the service the hotel provided, most of their reviews online talk about their horrible customer service and dirty interior. I am extremely disappointed at XXXX XXXX for not handling this situation and caring for their customers. 
I felt discriminated as a XXXX women, saying I infected their hotel. I also spoke to Chase and they said they could not help.
Product: Debt collection

Debt was opened on XX/XX/2024 without my permission or knowledge in my name. Because XXXX XXXX doesn't require much identity verification protection. An account can be opened with very little information needed. On XX/XX/2024 I was a victim of domestic violence and identity theft from the Defendant and I currently have a protective order against him for this already. File no XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint because I've been trying to get an unauthorized inquiry removed from my Equifax report with no success. I called Equifax XX/XX/XXXX and the representative told me these were 'factual records and could not be removed. My second attempt I sent a letter to the creditor and to the bureau via certified mail that were both received on XX/XX/XXXX. I did receive a letter from XXXX XXXX XXXX dating XX/XX/XXXX showing a background screening report but nothing stating I authorized the inquiry and to contact the bureau. Received a letter from the bureau on XX/XX/XXXX stating inquiries are a factual record.. and to contact the creditor. In both letters I requested each entity to send me documentation of my authorization for this inquiry or REMOVE them and here it is XX/XX/XXXX and I have yet to receive sufficient evidence that I did indeed authorize this inquiry, only the creditor passing the buck to the bureau and the bureau passing the buck to the creditor which I have both contacted. As of date this inquiry hasn't been removed from my credit report which is a violation of the Fair Credit Reporting Act. The unauthorized inquiry is : XXXX XXXX XXXX XXXX
Product: Debt collection

As promised I paid the settlement amount and they did not uphold their part which was to delete it from my credit reports
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX Balance Owed : {$840.00} XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to TransUnion more than 30 days ago and have not received any response. I am deeply distressed by TransUnion 's noncompliance. XXXX is civilly liable pursuant to 15 USC 1681n
Product: Credit card or prepaid card

Never dealt with Wells Fargo ever. My situation is I was dealing with XXXX XXXX  in XX/XX/XXXX. & XX/XX/2018. I applied with this bank for a credit card so that later I could ask for a balance transfer upon approval. This is the banking style and credit card services that I have been accustomed to. Apparently, this bank has a whole other realm of procedures that they follow. I went in unaware and unprotected not knowing this. The methods they employ seem to set you up for errors. On the online application is an option for a Balance Transfer. I chose it, since I do not lie regarding my banking goals. I filled in the info for this transfer, only as a precursor of things to come as a request. I did all this based on what I did expect from a bank, not on what they would bind me to and impose upon me. All the while I wasn't feeling well. One thing led to another from thereon, as will be seen in my attached documents. When one does not feel well, the fine print doesn't seem important as some Terms & Conditions and options to cancel out, are discovered only after the fact of hitting the application " Submit '' button. From my correspondence to Wells Fargo, I do not believe they will yield in any way, nor in a compassionate stance. So, I implore this Bureau to do your best for me in regards to contacting them on my behalf, or other helps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX at XXXX XXXX XXXX  XX/XX/22 and they said my balance was XXXX and I was set up to make XXXX installments.i paid XXXX XX/XX/22 then paid XXXX XX/XX/22. Received a letter from XXXX XXXX XXXX  XX/XX/22 saying account has been resolved for less then the balance. Spoke to credence and disputed by email XX/XX/22 with a letter from XXXX XXXX XXXX that they sent
Product: Credit reporting

I paid my credit card in full about 3 months ago, and when I requested my credit report TRANSUNION and XXXX XXXX show that my credit card was paid in full. the only who shows the correct paid was XXXX, I called my credit card bank and they told me that they report the info in XXXX XXXX. Im working on fix my credit and I need the correct info in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections on my file. I contacted the companies to settle the debt and received an agreement to settle and remove the items from my files. 

I provided this information to the credit bureau and they removed the balance only. They did not remove the item from the file. 

The items in question are : 1 ) XXXX XXXX ( Account number XXXX ) 2 ) XXXX XXXX XXXX  ( Account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code XXXX ( Civil Liability for Willful Noncompliance ), 15 U.S. Code XXXX ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code XXXX ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. XXXX ( XXXX ). 
Properly correct billing errors as per TILA, 15 U.S. Code XXXX ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> To : Equifax Remove/update the following inaccuracies found on my credit report : XXXXXXXX update for inaccurate information in the Late Payments-Claims inaccurate information. 

XXXX stop reporting this account due to true identity fraud-Claims true identity fraud/account fraudulently opened. 

XXXX remove authorized user because I am not liable for account-Not liable for account ( i.e. account belongs to business ). 

XXXX remove due to inaccuracy in late payment dates-Dispute present/previous Account Status/Payment History Profile/Payment Rating. 

XXXX remove due to inaccuracy in dates of last payment-Dispute Dates of Last Payment/Opened/ of First Delinquency/Billing/Closed. 


Send me a new credit report reflecting these changes. 


Thank you for your cooperation with these matters. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved. Copyright Notice XXXX
Product: Debt collection

XXXX XXXX XXXX - {$860.00} I have disputed this unknown Debt with both the Collection Agency listed above and the original debt owner/ issuer listed on my credit report. 

I
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : [ XXXX ] To Whom It May Concern, On XX/XX/year> I disputed an account reported by XXXX XXXX, XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/year> that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

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

Hi, I hope this complaint finds you well because I am trying to use my VA loan to purchase a home, and I am not doing well I am stressed out due to many hard inquiries and negative accounts from different finance/personal, automotive companies and many more companies that are not mine on my credit report. I AM VERYFYING I DO NOT KNOW WHERE THEY CAME FROM so there is no need to ask for any validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquires and negative accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL OF THESE ACCOUNTS & INQUIRIES which may lessens my chances of being approved for a home loan when in reality it wasn't me. Reporting these false things is very misleading. You are in violation because you DID NOT witness me sign for these inquiries or accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian You have constantly stated " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' This is a LIE i have sent you several disputes regarding this matter and you CONSTANTLY use STALL tactics claiming i am not who i say i am. THIS IS XXXX XXXX XXXX sending you letters and complaints through the CFPB. I have provided you with MY DRIVERS LICENSE FOR IDENTITY & MY UTILTY BILL FOR PROOf OF ADDRESS. I have received a bank statement and contract with my alleged signature attached from XXXX XXXX XXXX XXXX .i am not denying that this account exist, I am disputing because this account does not belong to me. The contract XXXX XXXX XXXX has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY 927 Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the XXXX XXXX XXXX vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from XXXX XXXX XXXX XXXX. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the past month, experian has arbitrarily reduced my credit without credit report justification by 39 points.. 

additionally, when asked what was on credit report to justify such a precipitous drop, i was not given an answer that justified a 39 point drop ... 

especially since i have an exceptional payment history, no collections, low debt ratio, and low credit card debt ... also, i am a senior and the covid 19 virus precludes me from getting out as often to utilize credit as often as experian would like (? ) they seem to be punishing me for being prudent with my credit usage during a pandemic ... 

ironically, i was 23 points away from an " exceptional '' credit score and  was about to perform a financial transaction ... this must now be postponed because of experian 's dishonest credit score reporting ... 

additionally, experian has over 155,000 complaints on the CFPB website ... 

based on this phenomenon, who is more credible?
Product: Credit reporting or other personal consumer reports

I will need proof these 2 SELF accounts are mines. I have no knowledge of any account with you and I have been trying to resolve this matter. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication of rectifying the error and mistake, the report still contains inaccuracies.
Product: Prepaid card

My card account was placed on hold with any notification to me. The company ADP Totalpay accepted a deposit into the account even though they would not give access to the money ( they didnt tell me ). They have given me numerous reasons as to why this happened and none of their reasons make sense. I have sent them all the requested documents multiple times ( a copy of my drivers license, a copy of my paycheck and a copy of my social security card ). 
They have given false reasons as to why they can not use the documentation. Once they told me that my driver 's license it expired, however, it does not expire until 2021. They told me that my i.d . was too dark to read but they read me the information from it. They initially said that they could read my social security card, but after the 3rd time I 've sent in my documents they say they can not read the social security card. None of my files are blurry or dark. I have sent these same files to other businesses and they were read fine. 
I have gone a month without my money. The ADP TotalPay customer service will not allow me to speak with a supervisor. They just continue to place you one hold and then transfer you blindly to a line where no one ever answers. I only want access to my pay that was deposited on the card
Product: Credit reporting or other personal consumer reports

I am reporting a fraudulent inquiries found in my credit report 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