23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I booked a hotel room for XX/XX/XXXX to XXXX, but within 24 hours, I requested a refund through the platform because I realized I had made a mistake with the address and it didn't match the hotel my friend had booked. Since it was my first time using this app, I didn't notice that the hotel 's policy was non-refundable. The platform agreed to contact the hotel on my behalf to request a full refund, but the hotel did not respond. So, the platform asked me to contact the hotel myself to try to get a full refund. I contacted the hotel four or five times, but the front desk kept asking me to wait for the manager 's response and promised to email me, but I never received a reply. And I did not stay at the hotel and did not receive any services from them. Therefore, I do not accept this charge. According to California state law, I am entitled to cancel my trip within 24 hours, which I did. My credit card also rejected my dispute. Please help me, I want to get my money back.
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my XXXX and XXXX health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Debt collection

I have a mail sent to my apartment about a past due invoice with a company going under bankruptcy : XXXX XXXX XXXX. I have made business with them a two year ago, subscribing to their separate utility, gym department called XXXX XXXX. I canceled and continued to no longer pay for any gym subscriptions since last year. The debt they're asking for me to pay is {$140.00}. I have made no pending purchases, merchandise or services from them and did not have any account for them to list me under.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to Transunion and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX ( SURNAME : XXXX ) XXXX XXXX XXXX XXXX FL XXXX My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. Im attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. List all the negative accounts from your XXXX credit reports. Account names and account numbers. I always see it every day on my account that my personal information is ALWAYS AT RISK! I dont understand after many years and so many payments made to XXXX that I would have any type of data breach. I have proof of my data incident breach which I filed a claim for see attached. 

XXXX : XXXXXXXX XXXX XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX XXXX XXXX XXXX  {$0.00} - XXXX - XXXX never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Discover Bank {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX XXXX XXXX {$0.00} - XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXXXXXX XXXX XXXX {$4000.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX XXXX XXXX  {$520.00} - XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) and on top of it has another account open. I don't understand this at all. 

XXXX : XXXX XXXX XXXX - {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Discover Bank {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX  {$0.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX  {$4000.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information without my knowledge or permission. I have contacted XXXX  XXXX but they are not wanting to change anything. 

XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XXXX  XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I have tried numerous times to contact XXXX XXXX  Services but I have not been able reach anyone and the hold times are ridiculous. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with a rep named XXXX who told me that they would not be willing to change their reporting. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with 2 different reps about 3 weeks apart from each other ; yet each time I've been told that someone would be getting back with me in which case they have yet to do so. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. The hold times are ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never even applied for this account. XXXX XXXX will not change their reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never applied for anything with this lender. I keep getting the run around when trying to effectively communicate. They aren't willing to work with me.
Product: Debt collection

original creditor and went to court and the case was dismissed by the circuit court judge. The debt was found to be no accurate. The case was dismissed. I have supporting documentation from the courts to prove it 's dismissal.
Product: Debt collection

I applied for a loan with Lendmark Financial. Upon them obtaining my employers information I informed them I was not allowed to have personal phone calls of any kind. Informed them just to leave a message with my other contact number and I would get back to them. My supervisor sent me an email advising me that a representative from Lendmark Financial has repeatedly called asking for me to return his call. Specifically the email was received on XXXX. I have also received texts and phone calls from my supervisor over the same matter.
Product: Debt collection

Hello I recently reached out to Lloyd & McDaniel , PLC phone number being ( XXXX ) XXXX. As I am speaking with someone because of the inaccuracies on my credit report I asked if they was a debt collected and she responded she was a law firm and will have to contact my attorney to fix this matter she was very rude and not trying to understand the situation theyre are currently putting me in which is a negative impact on my life. I than hung up and called someone else again not acknowledging debt collector information, when they finally get a hold on someone they kept referring to as an attorney started the conversation with were a debt collector services. Anytime I would mention debt collector trying to validate whom I am speaking with they then was rude and tried to convince me otherwise. This company is reporting false information to the credit bureaus and than being rude when approached with the damages theyre doing.
Product: Credit reporting or other personal consumer reports

I have contacted Transunion via phone on XX/XX/year>, to request for hard inquires to be removed that I do not recognize or authorize.
Product: Credit reporting or other personal consumer reports

Received a warning that XXXX different unauthorized credit inquiries occurred with XXXX. One with XXXX and one with Equifax ( both from XXXX ). These occurred on May 15-16 2024. 

I have not applied for any new accounts or credit.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had as many as 7 late payments reported on an account that I was never late in paying. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts from student loan servicer XXXX that I am attaching and reporting as inaccurate today. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Trans Union is not responding to my request to investigate and remove some accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

I filed a dispute with all three credit bureaus and then filed a debt validation claim under 15 U.S. Code 1692g to the company XXXX XXXX XXXXXXXX on XX/XX/year>. XXXXXXXX XXXX XXXXXXXX failed to provide the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please take a good look at the following items reporting on my Crediet File : XXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. I have read that under the Fair Credit reporting Act section 605b, you are required by Federal law to remove and block any accounts and information that resulted due to to identity theft. So please do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account : XXXX XXXX # XXXX Please provide binding agreement, and method of verification for this account. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

I received a notification from my credit bureaus that lender inquirys were present. I did not apply for anything so someone is doing fraud and applying for credit multiple places. The following places and date are where it happened : XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX WFBNA CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. They are also breaking these laws as well below According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or Deleted from the file of the customer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can You fix.
Product: Payday loan, title loan, or personal loan

In XXXX I was looking for a loan to pay my daughter 's tuition for a private school I came across Mariner Finance in XXXX of XXXX They agreed to give me a XXXX unsecured loan but if I wanted the XXXX that I requested I would need to use my car as a collateral. Of course I was in need of the XXXX which they were aware of so I went with the XXXX and use my XXXX XXXX accord as collateral. My car at the time valued around XXXX when I did a XXXX XXXX XXXX estimate but they valued it at a lower price. With that being said I also read online where if you have a secured loan and use a car as a collateral your interest rate should be lowered. My payments are {$190.00} a month which I have paid over XXXX already which most of the money have went to interest Early this week I decided to get a pay off amount so I can pay off the balance but realized the pay off balance was over {$5000.00} after 8 months of payments. My credit score at the time was XXXX. They gave me a 24.97 % interest rate on top of using my car as collateral. I feel Mariner Finance took advantage of my need for a loan and Usury does apply in this situation.
Product: Checking or savings account

I'm am banking with Chime Bank in the general I get notification on any new deposits made to my account. On three occasions Chime falsely stated that a refund amounts from to my accounts and never actually gave issue the amount to my account. On those 3 occasions I did never gotten deposit alert or the money back. The first was on XX/XX/XXXX XXXX XXXX refund me {$150.00} i never got it. I called chime and complain after speaking Village Green I saw the post history saying it was there but it was not was actually there was my paycheck the additional {$150.00} that should have been there wasn't.The 2nd was on XX/XX/XXXX Chime post in my history after a month has passed that I received the {$10.00} deposit from XXXX Cash didn't got an deposit alert for or saw it.The only thing I saw an got a notification on was the {$110.00} I had deposited. The 3rd was the {$25.00} purchased on XXXX was issued back to me on the XX/XX/XXXX and sent me an email confirmation that they issued the {$25.00} I called Chime XX/XX/XXXX. The Chime Bank rep I spoke to said they had received funds they just had not yet been released it to my account. Today XXXX XXXX I called Chime again that gave me run a around now I am just fed up.
Product: Credit reporting or other personal consumer reports

In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from all unfair credit and collection practices I told Experian, XXXX, XXXX to reinvestigate these accounts XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX 15 USC 1681 section 602 A. 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 instruction. 
None of information as been removed upon request of deletion.
Product: Mortgage

During the refi process with Wells Fargo an apprasial was ordered. Unfortunately in the end we had decided not to refi with Wells Fargo becuase a better rate was found at XXXX XXXX XXXX XXXX. In order to not pay another {$650.00} in appraisal fees we requested Wells Fargo release the apprasial and the appraiser to XXXX. Wells Fargo response is we do not release appraisals/appraiser 's. I do n't understand this practice and costs the Wells FArgo nothing to release the apprasial/apprasial.

I do indeed have a copy but XXXX claims the appraiser needs to be released in the case they have additional questions.