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

On XX/XX/2023 I booked a hotel room on what I was lead to believe was the website of XXXX XXXX for a trip in early XXXX. I booked a stay for the amount of {$350.00} moments later I received an email from XXXX XXXX XXXX and was charged {$2100.00}. I IMMEDIATLY called the number on the emails and canceled the reservation and was told by this third party company XXXX XXXX XXXX that it not cancelable. I then called my credit card company and filed a claim for a gross overcharge on a unauthorized amount purchase. Bank of America denied the claim stating they can not dispute a merchants cancellation policy. So, Bank of America allowed a scam reservation site to keep {$2100.00} for a UNAUTHORIZED charge. I thought we had fraud protection in this country. There are many many similar complaints about XXXX XXXX  across the web. Unfortunately you can not investigate reviews prior because they impersonate legitimate hotels. They only surface after you have supplied you credit card information. Please help .... Thank you Bank of America claim number XXXX.
Product: Debt collection

Identity theft. Fraudulent accounts. These lines of credit are the same account sold off to different debt collectors who are both collecting on the original bogus account. My credit rating and limits have been negatively affected by these accounts. My FICO dropped from XXXX to XXXX. I repeatedly contacted the original creditor who told me that the debt had been written off, and sold to a collection agency. LVNV Funding promised to remove the derogatory account off my credit report the moment I paid off the debt. I repeatedly called and contacted LVNV Funding at XXXX, and XXXX XXXX at ( XXXX ) XXXX, stating that these accounts were fraudulent and that they belonged to an identity thief who stole my information, and used my name to open up a line of credit without my knowledge or consent. These shady and unprofessional debt collectors still are demanding full payment on a fraudulent charge. Please investigate and intervene. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit file with transunion that has alot of inaccurate data that needs to be removed from my credit report.please review an check the information listed to see all errors an items to be deleted asap.
Product: Debt collection

I had a credit card taken out under my name and the debt was charged off by the creditor. i put a dispute for this debt on my credit report several years ago and officially responded several times to the collection company that the debt is not mine. I asked several times for proof with an application and statements that this debt is mine and they have refused to provide this to me.They continue to harass me an are trying to take me to court for this. I have taken all of the necessary steps to let this collection company know that this debt is not mine and they are still harassing me. This needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiries in not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

under the FCRA Experian must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Secti on 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY REPORT
Product: Debt collection

A debt validation was sent to MIDLAND FUNDING as it reads on my credit report on XXXX, requesting documents to validate the debt in question in the amount of XXXX within a reasonable amount of time of 14 days. MIDLAND FUNDING LLC responses a month later with a document with two different names on it, MIDLAND CREDIT MANAGEMENT ( ALL CAPITAL LETTERS XXXX FOR THE HEADER, AND MIDLAND FUNDING LLC on the back of the document stating that there investigation on this matter could take up to 90 days. After this a complaint was filed with the CFPB showing that there document that was sent to me stated on the back that the account was charged off XXXX from the original alleged creditor XXXX XXXX XXXX XXXX XXXX, which was paid off from the very first day that my wet ink signature was given to them, without full disclosure provided to me on the real terms of the loan. so anything after this could not constitute a contract between me and MIDLAND FUNDING LLC. Recently MIDLAND FUNDING LLC responded to CFPB on XXXX stating that they were working on the dispute. In the meantime this debt has been removed from all three credit bureaus, and i have not received any CREDIT REPORTING REMOVAL documentation from them. It should not take 30, 60, 90, or 120 days to either send the proper documentation to validate the debt, or send the proper documentation to discharge this debt. you already have all documentation that is needed from certified mail and the previous dispute that is still open, so nothing will be uploaded in this complaint/.
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a price rewind request for an item that I purchased. The price rewind program allows you to find a lower advertised price with either the original merchant or another one. I submitted by receipt and the advertised lower price. The entire process should take no more than 14 business days. 

On XX/XX/XXXX I received an email with a survey to rate my experience. Confused, I called the hotline only to be told my claim had been denied which I had not been notified of. When I asked why, I was told the items were not the same. After speaking to the rep, at her request- I provided additional pictures of the bag. I was told an adjuster would call me within 2 business days. I asked that this person to call during evening hours. However, he did not and I missed his call. I called back on XX/XX/XXXX only to be told the whole claim needed to be restarted for an adjuster to see if. After this was done I waited almost 2 weeks before speaking to him. He informed me that it was denied because the items were different. I assured him they were not and he told me he would look into it. If I didn't head back from him it meant good news. If he did call back it was because he needed additional information. He told me a final decision would be reached in 48 hours. 

I waited 2 additional weeks for him to call back or for my claim to be updated. In the interim I called 5 different times and was told to give the adjuster time that the claim status was " additional documents needed to be verified. '' Finally upset I called on XX/XX/XXXX and spoke to someone who appeared sympathetic to issue. After speaking to her manager only part of the claim was approved. When I asked why she gave me no reason. Instead she told me a manager would call me within 5 days. No one ever called. On XX/XX/XXXX I called again for an update and spoke to a rep who said I would have to resubmit the claim and that she would attach her notes so it would be approved. She confirmed with me and with a manager the items in question were indeed the same. On XX/XX/XXXX I received a call from a different adjuster telling me the claim was not approved - this time due to not being able to verify the advertised price. In her words " we know it is a red flag because it cheapens the brand. '' With no explanation of how the price was not verified. Mind you, this is nearly 3 months after I submitted my claim. The item is still available sold & shipped by XXXX. Additionally, there are several XXXX price trackers and I have been able to account for every adjustment in price that has occurred since I submitted my claim. 

I am highly upset with XXXX over the handling of this issue. For three months I have wasted time and energy on a matter that should have been resolved rather quickly. So much so, that I will no longer be using the card in question for purchases. I would rather spend my money with a company that values its customers, not one who spend three months making excuses. 

Graph detailing the price of the item on XXXX can be found here : XXXX XXXX XXXX XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with credit reporting agencies. All three have been providing problems for me but XXXX is the worst. I have called at least 3 times during each week for the past 3 months. I have even gone to great lengths and explained to the credit reporting agencies about my right under the Fair Credit Reporting Act and all the do is ignore me. Each time I call in I am giving different information and bounced around to someone who says they are the manage but for some reason sounds like the same person I was original speaking with. I was advised to send in documentation and a letter of why the XXXX XXXX Bankruptcy and an account through XXXX XXXX should be removed. The XXXX  XXXX Bankruptcy has been met and removed from public files and the XXXX Account was in the bankruptcy which also should be removed. I provided them documentation they come back and stated they have to dispute account. After the dispute is completed they tell me that account was verified which in reality was not because the company I spoke with supplied me a letter to provide the agency that account should be removed. This has caused me so much XXXX and XXXX to where I have not been able to focus on everyday life. What has made it harder is the language barrier when I call in because I am unable to understand what the representative is talking about. I am not sure if they are from another country but when I try to have conversations it makes it very hard to explain myself.
Product: Credit card or prepaid card

I have written x3 ( as of now ) Regarding this issue with Chase bank again and the {$5500.00} that I paid in cash electronically to Chase VISA # XXXX. Chase Bank reversed my {$5500.00} electronic payment made, stop payment!! Chase Bank, should they decide to just steal this {$5500.00} from me ( as it appears now ), this will force me into bankruptcy and Chase Visa will get nothing, as well as the rest of my well deserving creditor ( s )!!!! 
I heard Chase Bank was dishonest, immoral, & horrible!! I had NO IDEA just HOW BAD they really ARE!!!
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report concerning my account with XXXX XXXX, ending in XXXX. Experian and XXXX report indicates that the payment for the month of XXXX is 30 days late, which is incorrect. I have substantial evidence to support my claim and rectify this issue. The payment for XX/XX/2024 was due on the XXXX and was, in fact, made on XXXX. Furthermore, my XXXX payment was made on XX/XX/2024, and my XXXX payment on XX/XX/2024. XXXX and XXXX are reporting on time, why is XXXX reported late when all payments are due on the XXXX of each month. I have attached emails, payment confirmations, and bank statements highlighting each transaction for your review. These documents clearly demonstrate that all payments were made on time. Moreover, I received a notification that the funds were returned due to an alleged error on XXXX 's part. Upon verification with XXXX XXXX, my bank, it was confirmed that no payment request from XXXX had been received. I promptly notified XXXX of their error, providing screenshots of the available funds as evidence. Despite these actions, my credit report now reflects a 30-day delinquency for XX/XX/2024. I submitted the payment within 30 days and XXXX never retrieved the payment until I responded to the email. For there the payment was processed a day later. I kindly request that Experian thoroughly investigate this matter and promptly remove the erroneous late payment from my credit report. The adverse impact on my credit score necessitates an urgent resolution of this issue. Thank you for your attention to this matter. Enclosed are the necessary documents to support my dispute. I trust in your ability to address this situation promptly and accurately.
Product: Checking or savings account

citizens bank closed my account and told me after review my account, they can not have relationship with me. I called them requesting reason, the customer rep told me it will be mailed out in the letter. 
in the letter, there is no reason. 

my checking account opening bonus is about to post, I think citizens closed my account in order to not paying the opening bonus it promised.
Product: Student loan

2010 I filed bankruptcy and completed school at which time these loans were serviced by Sallie Mae then turned over to Navient. Since 2010 Navient has continued to defer my payments by computer. I never spoke with anyone to review repayment options since I've been employed in the social service sector since prior to 2010 until today. Navient has caused this issue because they failed to educate, explain and make suggestions based on finances. In turn they continued to let my account accumulate tax and fee totaling o er XXXX, I only make XXXX with two children. Since the pandemic I've been out of work and have a child in college its difficult and I worry. This shouldn't be especially since I've been employed all along.
Product: Money transfer, virtual currency, or money service

I had a fraudulent transaction on my PayPal account. They refuse to cancel it. I stopped payment at my bank, but PayPal is now sending me collection calls instead of taking the $ back from the scammer. This was supposed to be for a vendor spot at an event. When I called the venue there is no event and the FBI has been involved. PayPal refuses to cancel this transaction, even though I tried to cancel it within minutes. This scammer is still on XXXX scamming people because PayPal is being complicit in the theft. The amount is {$140.00}.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX   On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXXXXXX XXXX On XX/XX/2018 XXXX  XXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX
Product: Vehicle loan or lease

I am writing to formally notify you that l am a victim of identity theft, as confirmed by my recent credit report dated XX/XX/year>, from XXXX. Several unauthorized accounts have been opened and reported in my name. I request that XXXX immediately block and permanently delete the following fraudulent accounts under 15 U.S.C. 1681c-2 ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Medical bill after auto accident XX/XX/2021. Covered by at fault partys auto insurance when an itemized bill is provided detailing service, date of service, and cost. Neither the originating company nor the debt collection company did so after multiple requests. 

After over 2 years of no communication item was added to my XXXX credit report as in collections. 

I filed multiple disputes and added as much supporting information to prove this bill was not my responsibility. I finally recieved the itemized bill and am working with the at fault insurance company toward resolution.
Product: Credit card or prepaid card

I received a denial letter that describes information that is invalid, fabricated, or an egregious error on the part of the Card Company. 

There is nothing on my credit profile that is even close to the examples Luxury Card detailed within the denial letter. Copies will be attached
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Costco Citi Fraud Response scam. 

On Friday XX/XX/year>. 
I received a call from XXXX and XXXX. I answered the XXXX at XXXX. 
Someone with a foreign accent claimed they were with Costco Citi Card Fraud department, asking if I was purchasing something in Texas, XXXX. I said no, and they stated a few other charges which had supposedly been made. They requested me to verify my personal information. It seemed weird, but I submitted and gave my personal information to confirm my account. Because I confirmed my information, they changed my login and email address. They then sent an email confirming another email address, which was changed to : XXXX. They explained that the purchasers had done that, but it was really the people on the phone. 
During the conversation I looked at my mobile application and did not see any pending charges. I was wondering why I didnt see anything. On a second attempt to login, the program would not let me login. 
At the end of the conversation, he said I needed to hang up and then dial a number so that Citi text alert messages would be routed back to me. But it was actually the other way around, and they call forwarded my number. This is the number they had me input. XXXX # My husband was trying to contact me on my personal line and a man answered the phone. The man eventually stopped answering. My husband switched and contacted me on my business number so he was able to tell me what was occurring. 
That is when I realized the fraud and I called the XXXX Citi card number on the back of my card and they stated they had not called me and no purchases had been made. They cancelled my card and fix my account information. I then called XXXX to cancel the call forwarding. I also went to a store to check for any virus on the phone, which was not apparent the technician. 
Earlier in the week I also received phone calls claiming that I had to buy QB support for my subscription. But I already fell for that one a few years back and did not purchase.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX account is reporting inaccurate credit limit and balance and payments late XXXX on TransUnion and 90 days on XXXX which is very incorrect I will like to have this account remove from my report as soon as possible thank you so much
Product: Credit reporting or other personal consumer reports

I never benefitted from these items on my credit report that have resulted from fraud. I have already reported these to the Federal Trade Commission, but they are still appearing from my report. This is causing me immense stress and XXXX
Product: Debt collection

I was late on my credit card payment, which has since been resolved.
They have called my phone XXXX  a day almost everyday, which comes out to twice the allowed calls allowed. 
Chase XXXX XXXX XXXX XXXX
These are not all the calls, but some that I have readily available on my call log.

More than seven times within seven consecutive calendar days 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Please help me find a solution to this issue. Chase has been made aware of the frequency of the calls.
Product: Debt collection

Was a victim of Hurricane Harvey and had to move from XXXX XXXX, Tx to XXXX XXXX, Tx. Contacted XXXX XXXX about the bill being owed and I was told that due to the devastation they were waiving the bill. They done this for a lot of people affected by the storm. Here is some years later and I am getting this on my report again. LVNV was on my report at the beginning of the year and then taken off. Now here it is XXXX and it is back on there again. Why is that? I was told by XXXX XXXX is would be waived. I still have XXXX XXXX to this day. Why haven't I been charged for this by them if I still have service with them. This should not be on my report. I contacted XXXX  XXXX and they don't even have a record of it. I need to see the original bill for this because I never received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to get fraudulent accounts removed from my report. Equifax has been the only one giving me a hard time. It seems like I am being punished for trying to get these fraudulent accounts removed. There is one account left with XXXX XXXX XXXX. This account was started by a family member. I resided on the other side of the state and had an account with a totally different electric provider. Equifax has dropped my credit rating over XXXX points in the last few months. There are no derogatory remarks on my credit report everything is up to date. I am a XXXX veteran and I am trying to get my credit as high as I can before I purchase a home. Equifax is negatively impacting my livelihood. I would like to get this problem taken care of so I can get on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are listed on my credit report that aren't mine. Please remove them.