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

I booked a hotel, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX, on XXXX on XXXX XXXX for XXXX XXXX, XXXX  using my PayPal Synchrony Bank Mastercard. An amount of {$130.00}. 

Upon arrival, I discovered the room to be completely uninhabitable : XXXX. Cigarette burns on sheet XXXX. Box spring has bedbugs XXXX. Furniture defaced with graffiti XXXX. Sofa broken and unsafe for sitting XXXX. Deadbolt missing, super-unsafe especially for the bad neighborhood XXXX. Door had hole in it XXXX. Toilet was clogged and full of XXXX After discovering this, I decided not to stay the night, because it was unsafe, unsanitary, and completely unlivable. 

I did not stay in the hotel at all. 

I asked for a full refund from the hotel on the very same night of check-in, as well as from the booking site ( XXXX ), but I was denied for a refund, despite never staying. 

I filed a chargeback, and despite my documented evidence ( photos, emails, receipts, etc. ), the bank sided with the merchant. 

I want CFPB to investigate this case for me, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A close review of my credit report I noticed that the balances reporting are incorrect. The high balance reports as {$22000.00} ( XXXX  ), {$22000.00} ( XXXX  ), and {$14000.00} ( Equifax ). According to the information received the balance originated at {$21000.00} which is inaccurate reporting. According to XXXX the deficiency balance is {$7300.00} however on the accounting report sent to me the balance is {$5200.00}. Clearly there are some discrepancies reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warnings is reporting a XXXX XXXX XXXX bank account that states that I interacted with the account in an unauthorized or prohibited manor. There was fraudulent activity on my account, my wallet was stolen and it was not me who interacted with this account. I sent the police report to early warnings but they claim that there is no new information about this account. In XX/XX/XXXX and XX/XX/XXXX, I sent a letter asking the method of verification used to obtain the results of their investigations. Both times, they have failed to provide me with the requested information. I have also attempted to reach the bank by sending a letter to the address provided by Early Warnings and I have not received any response from XXXX XXXX XXXX. I have attached all documentation received and sent to Ealy Warnings, including a copy of the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681.

This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Product: Debt collection

Good Afternoon, I happened to look at my credit report and noticed a charge-off on my report that I did not notice or was given a written statement about from " XXXX XXXX XXXX XXXX XXXX CREDIT CARD ACCOUNT # ENDING IN XXXX ''. I contacted XXXX XXXX about the charge- off and was said that the account was sold to Portfolio Recovery Associates.The Charge-off is Dated XX/XX/2014. I was not aware of the debt and or was contacted about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for these dates to be verified as they are all reporting different dates. These dates need to be verified along with proof of ownership, or removed effective immediately XXXX XXXX : date opened incorrect, closed date incorrect, last payment incorrect Rent debt automated : Date of last activity incorrect, date opened incorrect, original creditor incorrect name, account states open when it has been closed XXXXXXXX XXXX : date opened incorrect, states open when its closed, original creditor incorrect name/spelling XXXX XXXX  : date reported incorrect, Balance owed incorrect, states open when closed, original creditor incorrect name/spelling XXXX XXXX : Incorrect open date, states open when closed, original creditor incorrect name/spelling XXXX XXXX XXXX States open when closed
Product: Credit reporting or other personal consumer reports

I reviewed my Credit report and noticed that XXXX account number XXXX reported to Equifax on numerous occasions as will show in the document below named " Revolving Accounts '' when they knowingly reported false data to Equifax and XXXX! This person violated FCRA deliberately and knowingly! ( see Revolving Accounts ) namely the months of 2023 Actual Payments vs XXXX months of 2023 Payments! Law has been well established in regards to this issue. Furthermore XXXX has Conspired with Equifax and XXXX to deprive me of my rights in regards to 15 U.S. Code Sec. 1681 ( d ) ( 1 ) In General Consumer Report also under 15 U.S. Code Sec. 1681 ( 2 ) Exclusions : Consumer Report shall not Include the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This is in Clear violation of my Right to a Fair Credit Report. Congress has held that it is a GRAVE responsibility to report accurate information which has not been done here. 
I WAS NOT AFFORDED THE OPPORTUNITY TO OPT OUT OF THE SHARING OF MY INFORMATION TO ANY THIRD PARTIES NOR WAS I NOTIFIED OF THIS RIGHT PRIOR TO THE SHARING OF MY PERSONAL INFORMATION BY ANY PERSON IN REGARDS TO THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because after reviewing my credit report, I am writing to dispute the following bankruptcy and the accounts included. I informed XXXX, XXXX, and XXXX, and Lexis Nexis that  furnishers must include consumer identifiers to include proper name, date of birth, social security number, telephone number and address. Also ( see attached ) Lexis Nexis and XXXX  is reporting an incorrect social security number of my full file disclosure report. I would also like to know if you held the furnishers of the accounts below accountable to FCRA law, and if so what procedures were used to determine the accuracy and completeness of the disputed information? 
Please provide me the following information for accounts listed below : The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify the dispute These include : XXXX XXXX Partial and inaccurate account # XXXX ... showing discharged in bankruptcy XXXX XXXX Partial and inaccurate account # XXXX ... Both of these accounts are showing twice with XXXX with two incorrect account balances {$4500.00} and {$3900.00} Invalid Furnisher showing discharged in bankruptcy XXXX XXXX XXXX Showing four incorrect high balances {$5700.00} and {$2900.00}, {$1500.00}, {$3900.00} XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' ( reporting four times ) Incorrect balances {$760.00} {$1100.00} {$300.00} {$970.00} XXXX XXXX Invalid account number # XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT ''
Product: Debt collection

Hello, I received this in the mail today regarding a medical bill. I have not been to the hospital at all, nor am I liable for this debt. I also have insurance so my insurance would have covered this expense in full! This has to be a billing error. Remove this at once as this is tarnishing my credit score and was NOT authorized. I have not been to the hospital
Product: Credit card or prepaid card

On XX/XX/2020 received email notification from my credit monitoring service that there was a change to my Capital One account. After reviewing the alert, which showed that the account was closed by the creditor. XX/XX/2020 at XXXX XXXX  CST, I received my call back from Capital One with my spouse. The representative informed me that the account was closed on XX/XX/2020 due to inactivity. They informed us that they sent a letter back in middle XXXX requesting more information. We informed the representative that we did not receive any communication via letter or email. My spouse informed the representative that we sent in payment for the annual fee back on XX/XX/2020 and since they are not providing us with a year of service then we should get a refund. We also lost several XXXX  dollars in points from this account. Representative informed me that since the account is closed they are not able to refund the annual fee or money back from the points we had on the account. My spouse requested a supervisor who in turn said the same thing and transferred the call over the fraud specialist who also said there was nothing they can do since the account was closed. They did not explain to me why the account was classified as inactive, especially since I made payment to charges that I had made on the account back in XXXX of XXXX  and then the annual fee payment I did in XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with cfpb on XX/XX/2021. ( complaint # XXXX ) Company responded : there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

Authorization to delete the bankruptcy from Experian was requested on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has been very crooked through this whole process. 
I called to speak with a representative to discuss options to pay an alleged past due amount and she literally laughed at me over the phone and said " capital one doesn't negotiate on past dues. '' This is after a severe medical emergency forced me to lose my job which was also explained to Capital One. 

I was then told that " if I pay the debt collector even if I dispute the amount, that it will come off my credit report and not show as negative. '' I borrowed money from my mother to make this payment and even though Capital One has written of the debt and got tax benefits from this they are illegally stating on my credit report that I have a " paid charge off. '' I do not even think they legally have a claim to the debt at all since they charged this on taxes back to the US government.

They have different information listed on all three credit agencies and flat out lied to me to get me to pay this that they have already received credit for on taxes. 

I want them to provide me with dates and information regarding this alleged account as well as an explanation to how they can " double dip '' in the system and charge me as well as the goverment for this debt while lying all the way to the bank. 

They know they are a large corporation and they see themselves as untouchable and above reproach. When I call to try to speak with them they shuffle me around for an hour on the phone and then drop the call or just say they can't do anything. 

There is no consistent reporting. This is not a late account, they do NOT own this alleged debt and they are falsely reporting to all three credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX. Please repair and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED TRANSUNION AND SPOKE WITH XXXX XXXX, SUPERVISOR, ABOUT REMOVING INFORMATION FROM MY CONSUMER REPORT. XXXX STATES ANY ACCOUNT STAYS ON MY CONSUMER REPORT FOR AT LEAST 7 YEARS AND IF I WANT IT REMOVED, I NEED TO CONTACT THE ALLEGED CREDITOR OR DISPUTE IT. I ASKED XXXX IF TRANSUNION HAS MY WRITTEN PERMISSION TO FURNISH ANYTHING ON MY BEHALF, HE SAID NO. THAT IS A VIOLATION OF TITLE 15 USC 1681B ( A ) 2. IT IS ALSO A VIOLATION OF 15 USC 1681 ( A ) 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that I did not make and ask to be removed I could not do it online because its asking me to. Pay and over the phone. I got hung up on and told to mail with TransUnion XXXX did not help me at all even though they had a recent security breach
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an inquiry placed on my credit report on XX/XX/2021 by Regional Acceptance Corp. that I did not authorize. I have asked them to remove the inquiry and they refuse to do so. I asked them if they had any documentation showing my signature or anything of that nature. I didn't receive a clear response on that. If they don't have documentation showing I signed something or requesting something from them then I expect them to remove it. I don't want to go to more drastic measures and report them to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I founded account on my credit report not mine I never open
Product: Debt collection

To Whom it may concern, I am writing to seek your assistance about a medical bill that was sent to Creditors Bureau USA. Over the past few months, I have been XXXX XXXX, XXXX, and panic over this matter. In XX/XX/XXXX I was reviewing my credit report, and to my surprise I saw there was a medical bill that was sent to Creditors Bureau USA. I was shocked to see this medical bill listed as collections. I have never had any bills sent to collection so this has been stressful and hope that I can get assistance with resolving this matter. 
I was never notified my bill with XXXX XXXX was going to be sent to collections prior to viewing this in my credit report. The moment I saw this reporting I immediately sent Creditors Bureau USA a debt validation letter under the law Fair Debt Collection Practice Act to have them provide me with detailed information regarding the debt they are attempting to collect. In the letter I did specifically asked them to provide me with the following information : A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to you Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. I never gave permission to your company Creditors Bureau USA. 
Creditors Bureau USA has mailed me back with copies of my medical bill with XXXX XXXX, however, they failed to send me with a copy of my signature showing my request to release information to them. By not proving me with this document, they are violating my HIPPA rights. I did not consent a third part to view the blood work I had done with XXXX XXXX. 
Due to this reporting, it has affected my credit score significantly. The credit score that I have been working on for over 12 years has dropped over 70 points. Also, due to the Pandemic ( covid19 ) I have suffered financial hardship as I am the only employed person in my family. I do wish to pay the debt I have with Quest Diagnostic directly with them. I am writing to you to dispute the collections that was sent to Creditors Bureau USA. 
I request for this debit to be removed from my credit report. Attached are the letters send to me from Creditors Bureau USA that will show the amount of collection {$240.00}. I also want to make you aware, the dollar amount listed as collections in my credit report is {$160.00}, however the letter I received from Creditors Bureau USA states I owe {$240.00}, the information I was given from Creditors Bureau USA in inconsistent. 

Thank you,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was a victim of identity theft. Earlier this year I received notice of a debt from XXXX for {$490.00} for unauthorized cable service which I was notified by mail and an a alert from my credit report of this debt. I reached out to XXXX fraud department and disputed this bill back in late summer XXXX ; XXXX said they show a new service was established in Connecticut in my name, I reside in XXXX Michigan, and I never had XXXX I always had XXXX. XXXX instructed me to go on their website ( XXXX ) and fill out form and provide documents which show I lived in XXXX from XX/XX/XXXX thru XX/XX/XXXX and I sent them copies off all of my utility bills from around that time frame which shows I always lived in XXXX. Everytime I send them all of the bills I had they kept denying my claim saying my information was insufficient? Well I sent what they asked me all of my bills I pay online so some utility bills are archived off their system after awhile but nevertheless I sent them as many bills to show I lived in XXXX around that time frame and I told them I never had XXXX. I sent them copy of my drivers license which show my address and I initiated a fraud claim with them and the ticket # XXXX was issued by XXXX. The next thing I knew they sent the debt to collections and the company who has it now is Sunrise Credit Services on acct # XXXX. I contacted them and explained I was a victim of identity theft and I had disputed it with XXXX ; they said they will investigate and to no avail they sent this debt again to my credit report. I opened a dispute with the credit bureau XXXX  on report # XXXX and they said they will follow-up with Sunrise Credit and again I got notification from XXXX after their follow-up Sunrise told them this debt is valid. It maybe valid but its not mine? I am trying to get this debt removed from my credit report so this negative rating is removed ; but XXXX   recommend I file a dispute with you to see if you could help me with this fraudulent debt. I have advised XXXX  to extend fraud alerts on my credit reports ; Sunrise obviously is not trying to help me and XXXX is a joke. Please advise me what other options I have to get this debt off my credit report. I need your HELP!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX, Acct # XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

My wife and I went on an XXXX XXXX mid last-year with XXXX XXXX During our stay on the ship, we were changed daily for our room to be cleaned. However, we noticed that the fridge was never cleaned. As a matter of fact, a spilled drink stayed in the fridge for the entire week. I sent Apple/Goldman Sachs a picture of this, along with emails that i had sent to XXXX XXXX ( to which XXXX ) never responded. I opened a dispute with Apple/Goldman Sachs , disputing the charge of {$970.00} ( the total cost of cleaning the room on the ship ). Twice now they have come back and denied me. And they've asked me to resubmit it. And I do. This time they finally sent me a message over the weekend that the dispute has been resolved in my favor, only to backtrack today and send me an email telling me they had overturned their decision. 

I have spent months and time and energy going back and forth with the merchant, as well as Apple/Goldman Sachs about this. This is not a difficult decision. It is clear to see that the merchant did not provide the service we paid for. And we should not be charged this amount.