23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I checked in the XXXX XXXX XXXX XXXX on XX/XX/XXXX, the room was previously reserved for 3 people utilizing a different debit card. However, the hotel was contacted prior to my arrival and told only I would be arriving, would that be a problem, the representative state no and asked if I would like a smaller room for 1 person, she was told yes and the room was changed. Upon check in the represented double charged my debit card {$530.00}, she stated it was a mistake and the money would be released, however I requested to speak with a manager because I did not want any problems. I was told not to worry I would only be charged {$530.00} for my room and resort fees would be waived due to the mistake, not to worry my bill had to be paid in full upon check in because I was utilizing a debit card. I requested a receipt and was provided a paper that stated I owed XXXX  balance. After I checked out of the hotel on XX/XX/XXXX the XXXX XXXX, changed the {$530.00} charge to {$670.00}, without notifying me at all. Then on approximately XX/XX/XXXX XXXX XXXX changed the charge to {$1200.00}, without authorization from me. However, Bank of America paid the charge without notifying me, therefore placing my account at a - {$520.00}. I immediately contacted XXXX and spoke with an extremely rude supervisor, then I contacted Bank of America and filed a disputed, then I contacted the XXXX XXXX XXXX ( XXXX ), because what XXXX did was simply theft, the original room was never reserved on my debit card, and the room was changed to a smaller room ; I never authorized {$1200.00} on my debit card. I provided documentation of the XXXX  balance receipt, the complaint to the XXXX, and emails between myself and manager 's at XXXX concerning this matter, with no success. Despite all the documentation I had to pay to have faxed to Bank of America, they allowed the charge to stand. On XX/XX/XXXX @ XXXX, I spoke with XXXX in Georgia and was transferred to Mr. XXXX a manager at Bank of America, who requested I submit the documents again, which I did. On XX/XX/XXXX, I contacted Mr. XXXX, in South Carolina with Bank of America and informed him that I want the claim to continue being disputing because XXXX was stealing, and as a college student I could not afford to pay the additional {$530.00} or have my credit negatively affected. Months went by with no response until, I received a letter from Bank of America on XX/XX/XXXX, stating my account had been closed, and consumer reporting agency notified. This is wrong, Bank of America claims they protect customers, so why are they allowing XXXX to steal from me. I was not notified of a suspicious transaction or anything. XXXX double charged me upon check in, then increased the charge as late as 3 days after I checked out without my consent, yet Bank of America closed my account rather than file a complaint against XXXX XXXX. This is an example of large corporations taking advantage of consumers.
Product: Credit card

I had hundreds of charges across multiple credit cards from XXXXXXXX XXXX XXXX They were all from in XXXX XXXX  None of the charges were from my XXXX account but another XXXX account created with a similar name to mine. All but XXXX credit card company refunded me the money except Sofi Bank. They came to the conclusion that all transactions were mines. There is a total of over XXXX XXXX in charges on my Sofi credit card and they refuse to refund. I have filed police reports, and I have been trying to get this resolved for almost 1 year now and they don't respond, and their fraud department is now not even answering calls during normal business hours. at total of XXXX transaction from XXXX XXXX between middle of XXXXXXXX XXXX XXXX to Beginning of XX/XX/year>. Police report # XXXX with city of XXXXXXXX XXXX XXXX. Sofi XXXX ID XXXX
Product: Checking or savings account

On XX/XX/2019 I visited a chase branch in XXXX ca XXXX on XXXX XXXX XXXX and deposited XXXX $ through the atm number is XXXX XXXX the sequence number is XXXX after the money was deposited I received a receipt that stated to be sure your deposit went through please call us I then went inside the branch and they said they have no record of my deposit however the branch manager XXXX XXXX id # XXXX Filed a claims dispute with chase after 10 days they closed the claim and said it was denied because they dont have record of the transaction they completely stole my money and did little to help refund me I returned on XX/XX/2019 to try and speak with the manager he was rude and did not care
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX accounts on my Equifax credit report that are both more than 10 years old. I spoke with XXXX and they verified this information. I processed a dispute with Equifax and they verified the info and the accounts were closed over 10 years ago but did not delete them, they said because I did a dispute that change my date of last reporting to the date I disputed them so it would be another 10 years which makes no sense. They only appear on Equifax, they don't have any negative history and they should be removed.
Product: Mortgage

Loancare transferred my loan servicing to XXXX XXXX XXXX in XXXX, 2016 and sent me a letter to that effect XXXX XXXX. I made my XXXX payment on XXXX XXXX and can prove it was mailed that date. Now Loancare says my XXXX payment was not received until XXXX XXXX, which made me plus XXXX and I can not now get a refinance.Under the Real Estate Settlement Procedutes Act 12 USC 2601-2617 they can not penalize me for a " late '' payment for 60 days after the loan servicing is transferred. They will do nothing to correct their error.
Product: Payday loan, title loan, or personal loan

I went in store to Sail Loans to apply for an installment loan on XX/XX/2020 I was offered an XXXX dollar loan.. I was told I would walk out with XXXX and the remaining XXXX I would be able to take from after 90 days. That didnt happen when my 90 days were up. I called to see if I could come in to pull from the XXXX dollars I was told by store manager that I wasnt able to she didnt say any of those things to me! I then respond why would I agree to taking out a loan that I wouldnt be able to have access to doesnt make sense!! I was lied to mislead false advertising and I was taken Advantage of I have XXXX just sitting in my account that I didnt receive but Im paying on it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not resolved my concern. XXXX is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that XXXX provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. XXXX tracking number XXXX https : /XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXXXXXX XXXX XXXX  This is an alleged debt that I am not claiming.
Product: Debt collection

Good afternoon we have attached the fraudulent account number it is XXXX When were first contacted Consolidated RCVY GRP in early XXXX we told them that the customer that we did work for committed fraud and a other felonies by having us to do the work and not paying us and then this same customer contacted XXXX XXXX XXXX the ( Original ) Debt Collector that they never received the services that we provided which is a lie XXXX XXXX XXXX attempted to collect {$8100.00} but however the original amount was {$6500.00} they received a cease and desist order prior to all of this from collections and reporting it on our personal and buisness reports for all of the 3 major credit bureaus and they still disregarded the law and the Original Cease and Desist Order that was emailed and mailed to them and yet Consolidated RCVY GRP still illegally put it on my credit report this company even made it look like it was a new debt that was being collected in XXXX of XXXX and this account is more than 3 years old and fradulant something needs to be done about this it was perpetrated by a customer so that they would not pay a debt that they legally owed to XXXX XXXX and we feel that Consolidated RCVY GRY and XXXX XXXX XXXX are equally responsible for illegally trying to collect money that this customer rightfully owes to our company Cosolidated Recovery Group XXXX XXXX XXXX XXXX allowed a customer to fraudulently say that they never received services and they did we even went as far as to send proof that work was done to XXXX XXXX XXXX but no avail Consolidated RCVY GROUP needs to be fined and or jailed and sactioned by the United States Government from doing any form of collections or collection referrals this company does not follow the law at all and people need to held accountable because they are committing fraud against me and my company.We have have attached the legal and binding Cease & Desist Order for Conslidated Solutions GRP please reference the date of the order they are violating.
Product: Checking or savings account

A teller at the drive through at the Prosperity Bank in XXXX XXXXXXXX Tx, used my payroll check to call my employer without my permission to file a complaint about me being " rude '' or " disrespectful ''.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against Equifax, XXXX, and XXXX regarding inaccurate and unauthorized information on my credit report. Despite my attempts to resolve these issues directly with the credit bureaus, the errors remain and are negatively impacting my credit score. 

Details of Disputed Items : 1. Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unauthorized inquiry, duplicate account, incorrect balance, wrong account status Requested Action : Remove the inquiry, correct balance, update account status to closed 2. Company Name : Equifax, XXXX, and XXXX Issue : Account marked as open when it should be closed, incorrect late payment reporting Requested Action : Correct account status, remove inaccurate late payment Why This Needs to Be Corrected : These accounts are reporting inaccurately and do not reflect my true credit history. 
I have not authorized some of these inquiries, and they should be removed. 
The information is causing unnecessary harm to my credit score and financial well-being. 

Request for Investigation : Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate and verify the accuracy of the disputed items within 30 days. If they can not verify the accuracy, they must remove or correct the disputed items. 

I request that the CFPB ensures the credit bureaus properly investigate and resolve these issues. Please provide me with a written response confirming the actions taken. 

Thank you for your time and assistance. 

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

Unauthorized/unverified accounts and inquiries on my credit report
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I sent my FTC report to TransUnion LLC along with my lease where I was living at the time of the fraud. I sent a reference letter from the utility company where I was living the time of the fraud I sent my FTC report to Trans Union LLC multiple times over 10 times and they are still reporting it on my credit report. They refused to remove it when they have proof that the address on file is not my address nor was I living at that address ever please help fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint # XXXX on XX/XX/2022 I sent a copy of my current state drivers license with my correct address to Experian to dispute the inaccurate information on my report.They failed to adopt reasonable procedures to investigate and assure the accuracy of my credit report, as I discovered today multiple addresses that are not mine still being reported after after multiple claims of all information being accurate & verified and me providing proof. Continued inaccurate reporting showed they did not properly investigate any accounts and has left me vulnerable to identity theft. Therefore, the unfair conduct of Experian reporting of any other information that came back as verified is inaccurate and needs to be permanently deleted.
Product: Debt collection

Received numerous voicemails and they are making numerous calls to different people within my company. The last call they said they are with the XXXX XXXX XXXX 's office and it's urgent they speak to me. I called back and they are not with the clerk 's office the lady said the company is XXXX or XXXX XXXX XXXX. She also told me my wages will be garnished and asked if my employer had told about the garnishment. I told her no and that I know they can't garnish my wages without a court order so send me the court date. I asked why they are saying they are with the XXXX XXXX XXXX 's office when they are not and she said that is someone else who is trying to serve me that made the call. 

I then called the XXXX XXXX XXXX 's office and there is not record of an impending court case or date and there is nobody serving for me a court date as nothing has been filed in the court. 

Phone # XXXX that they have called me from are XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a public record of bankruptcy on my report. I have ask this company to verify their accurate information. They have refused to send me verification of the information to explain this belongs to me. They keep reopening my case of dispute and keeping the information on file as verified and closing the dispute. I have sent them paperwork notifying them that these other companies plus the courthouse does not give out the information. So who are they getting this information from. Because they cant explain it to me nor verify it. This needs to be deleted ASAP. This is against the law and it also blemishing my character. I am tired of fighting with Experian and the automatic system that sends back verified and remains on my credit. This is not acceptable. This needs to be deleted!
Product: Debt collection

In my chase on line payment I found out of a debt that is in collection. I filed a complaint on Experian case # XXXX and case # XXXX, but did not receive any information as to the origin of the debt. I have not opened any new credit cards for the past XXXX years so I was surprised that I have a debt for the amount of {$920.00}. I wanted to know the original debt so I can resolve this issue, I did not receive any written notice of this debt and when I made a complaint the information I asked for was not given. I have paid off the majority of my debts and only have 2 credit cards that are active. The collection report have affected my credit score which I do not appreciate after I have worked so hard to keep clean
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account w/ experian XXXX and followed their advice and my score dipped 156 points. I keep closing the account and canceling and they keep reopening it and charging me w/out my permission. They also continue to check my account and access my records w/ out my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX  {$490.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but TRANSUNION has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Equifax, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). I put in a requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681 ( 7 ). I also have no association with these accounts you blatantly ignored my FTC report you are violating my federally consumer protected rights.

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Provide the description of the procedure of the investigation used to verify these accounts if you cant, delete the accounts immediately. Failure to do so will result in me contacting the attorney general and filing a law suit. 

15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Also I got the investigation back but noticed some of the accounts were not modified or updated. According to 15 USC 1681 ( 5 ).

These accounts are incomplete and not accurate. Not belonging to me. According to the fair credit reporting act. 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. 

Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. These accounts have violated my federally protected consumer rights. 

XXXX XXXX XXXX : XXXX CORRECT ALL PERSONAL INFORMATION YOU FAILED TO EVEN DO THAT LAST INVESTIGATION! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes it is me disputing no one is representing me at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX, IM HAVING A PROBLEM XXXX XXXX XXXX XXXX BACK IN 2018 THEY PUT A 30 DAY LATE ON MY FILE THIS YEAR AND THEY WHERE PAID OFF, THEY SAID I OWED XXXX DOLLARS AND I DONT, AND THEY WILL NOT TAKE IT OFF. I CALLED ALL THREE CREDIT COMPANIES, AND THEY WILL NOT HELP ME. IM FIGHTING XXXX XXXX AND THIS IS VERY HARD ON ME. AND THERE ARE FRAUDULENT INQUIRIES AND A COLLECTION ON MY CREDIT FILE THE NAME IS XXXX XXXX XXXXXXXX IN THE AMOUNT OF XXXX AND I DONT KNOW WHAT THIS IS.ALSO JEFFERSON CAPITAL SYSTEM AMOUNT XXXX I WILL ATTACH MY FTC REPORT WITH ALL OF THE INQUIRIES AND THE FRAUDULENT COLLECTIONS ACCOUNTS.
Product: Credit reporting or other personal consumer reports

My report still reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from Experian and XXXX confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX XXXX  : {$3100.00} : Fraud Open : XX/XX/XXXX XXXX  XXXX : {$4000.00} : Fraud Open Date : XX/XX/XXXX XXXX XXXX  : {$5800.00} : Fraud Open : XX/XX/XXXX XXXX XXXX XXXX : {$5300.00} : Fraud Open Date : XX/XX/XXXX XXXX XXXX  : {$55.00} : Fraud Open Date : XX/XX/XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience
Product: Debt collection

This was opened in XX/XX/XXXX. I want this deleted off my credit report immediately. Great Lakes sod this debt to the United States Department of Education. I paid this debt in FULL including all fees XX/XX/XXXX. As of today XX/XX/XXXX it is still showing on my credit report. In addition this shows as two separate negative items because Great Lakes is listed and US Department of Education. I have been denied new lines of credit more than 8 different times due to this false report. This is impacting my credit score negatively. It is not rising even though the debt was paid 19 months ago.