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

On XX/XX/2020 we made a deposit for a vacation rental through Home Away, a platform for making short term rentals. The deposit was {$180.00} and was paid with a Capital One Venture Visa Card. 

The reservation was for a 4 night stay in XXXX, Oklahoma to attend a surprise XXXX anniversary party for members of our family. 

On XX/XX/2020 Florida Governor XXXX XXXX declared a State of Emergency in Florida, our home state. 

XX/XX/2020 we received a notice from Evolve Vacation Rental that our Capital One Venture Visa Card would be charged {$590.00} for the balance of our rental payment. Our original reservation was made through XXXX XXXX and this notice from XXXX was not expected as we thought we were doing business with XXXX XXXX. 

XX/XX/2020 we made repeated attempts to reach XXXX XXXX XXXX to ask them to cancel our reservation as the trip was anniversary party was cancelled due to travel restrictions caused by Covid-19.  We were unable to reach XXXX as their call system was not accepting calls and their website did not provide us a way to cancel our reservation ... that was made through XXXX XXXX. 

Later on XX/XX/2020 we contacted Capital One in an attempt to have them help us stop the credit card charge of {$590.00}. We were told that Capital One required a 5 day advance notification to stop a charge. 

On XX/XX/2020, XXXX XXXX XXXX did indeed charge our card {$590.00}. 

From XX/XX/XXXX through XX/XX/XXXX we continued to try and contact XXXX to settle the issue of our inability to cancel our reservation with no success. Their system did not allow us to reach a person either on the phone or through electronic means. 

On XX/XX/2020 we filed two disputes with Capital One regarding the two charges referenced above, the initial deposit and final payment. 

On XX/XX/2020 we provided support documents to Capital One through the US Mail ( we have proof of receipt ) and later through electronic means. 

On XX/XX/2020 we received a letter from Capital One stating that ; " Based upon this review, wee have determined that the previous investigation was decided appropriately and addresses your dispute ''. 

We have been directed by Capital One to try and settle our dispute with XXXX XXXX XXXX on our own without any addition help from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Updated : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried continuously to have - Delinquent past/present obligations removed excessive number of inquiries, and installment late accounts removed from my credit report. I have submitted documentation XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
During these submittals, I have supplied information that stated these accounts were settled/with settlement letter and they should be deleted from my report. There are numerous reports and inquiries that are over seven to ten years that I have also asked to be removed. 
There are incorrect names, addresses, and phone numbers. 

I am requesting that someone help me to fix these issues, so I can continue towards a better future. Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives, I am writing to file a formal complaint regarding Experian under the Fair Credit Reporting Act ( FCRA ), which protects consumers from incorrect or unauthorized information on their credit reports. 

On XX/XX/XXXX, I sent a letter to Experian requesting the removal of several inquiries on my credit report that I do not recognize and believe to be unauthorized. Subsequently, I made two phone calls to Experian : the first on XX/XX/XXXX, and the second today, XX/XX/XXXX, to follow up on my request. 

During both calls, Experian representatives informed me that these inquiries can not be removed because they are allegedly related to an open auto loan listed on my credit report. I want to emphasize that I have no knowledge of those inquiries associated with my credit report, and I have also noticed that some of these inquiries are duplicated, further compounding the issue XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, I have the right to dispute inaccurate information on my credit report and to receive a fair and reasonable investigation by the credit bureau. I also have the right to have unauthorized inquiries removed, especially if they are not associated with legitimate transactions or my consent. 

I request CFPBs assistance to ensure that Experian fulfills its legal obligations and takes the following actions : Remove all unauthorized inquiries from my credit report, including duplicates. 
Provide clear documentation supporting any connection between these inquiries and a legitimate auto loan, if such a connection exists. 
Ensure that these errors do not occur again and that my information remains accurate and up to date. 
Thank you for your attention and assistance in resolving this matter efficiently and fairly. 

I look forward to your response and am willing to provide any additional information necessary to support my case. 

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

XXXX XXXX XXXX XXXX  XX/XX/2022 I am reporting a fraudulent inquiry found in my credit report
Product: Credit reporting or other personal consumer reports

TransUnion continues to falsely report an account and inquiry that should not be on my credit report. I have provided numerous documents to TransUnion and they fail to remove the following one account and one inquiry from my TransUnion credit report : XXXX XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX- This company has committed Identity Theft and at no time had my approval to open account or do business with me. I have filed a police report and reported them on identitytheft.gov. The XXXX XXXX XXXX department has conducted an investigation and the police report is attached below. 

- This account is listed as an open account. I have not and will not be doing business with this company at any time. 

- I have requested verification of debt from the company and they have failed to mail me any information requested. 

XXXX ) XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, MN XXXX- The inquiry was at no time authorized by me to run my credit. At no time, did I do business with them. I contacted the company after noticing them on my credit report. They did an internal investigation, in which they informed me that a sales representative falsely provided my information and the company utilized the information provided without my permission. They sent me a letter, and notified all credit bureaus to remove it. 


TansUnion have failed to remove the account and inquiry as I have requested over 90 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with Equifax credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX, all with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX XXXX all with XXXX Credit Reporting Agency.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. XXXX XXXX
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, and Equifax have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 data is inaccurate.
Product: Debt collection

I had my identity stolen and reported it and told them that i never had a credit card or credit with this company. I dont even have any check books.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, closed account opened on XX/XX/2018 in the amount of {$500.00}. Negative item was disputed, and an investigation was concluded but with no Physical validation of ownership
Product: Credit card or prepaid card

Back in XX/XX/2021 Bank of America blocked my EDD debit card that was issued by the State of California for my Unemployment. I reached out to them to fix the issue and went through the verification questions and then was told that I needed to contact the EDD in regards to this.

During that time, I have not been paid my EDD unemployment benefits that have been deposited to the card every two weeks by the EDD.

I've reached out the the EDD over the next few months and their responses were always the same, saying that they don't block the EDD debit cards and to contact Bank of America. Bank of America always says to contact EDD to fix this.

I have screenshots of the inbox messages from the EDD in regards to this, saying that they don't block the cards and to reach out to Bank of America. Then the final message from EDD on XX/XX/2021 saying that my identity WAS confirmed on XX/XX/2021 and again to contact Bank of America.

Bank of America, at this point, STILL says to contact the EDD and that they can not assist me.
Product: Debt collection

Let me start by saying that my information was involved in data breaches for XXXX, XXXX, my dental office and a few other companies and I was contacted by Atlantic recovery solutions regarding a debt that I didn't even know about they sent me a letter through email after I had spoke with them on the phone explaining I had no knowledge of this debt. After I received this email from them on XX/XX/2025 I sent out a certified debt validation letter to which I have still heard nothing back from and it's still reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX - XXXX XXXX - XXXX
Product: Debt collection

Never received letter notification of debt. I found out about the debt after receiving paperwork  from county  sherriff for lawsuit filed in  my county . Had communication with  XXXX  at  Eagle Accounts Group  and she did not disclose that she was a debt collector nor that it was an attempt to collect a debt. FDCPA violation  807 ( 11  ). I do have the conversation recorded.
Product: Credit reporting

I filed an identity theft report with All XXXX credit reporting agencies. XXXX and XXXX did investigations, got me my documentation and results. Equifax did nothing. They ignored the Police report. They ignored the Identity Theft Affidavit. They ignored a letter from my attorney. Equifax never blocked any of the information as outlined in 
605B. BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [15 U.S.C. 1681c-2], because they never did an investigation. Nothing has changed on my Equifax report except the XXXX deletion that XXXX did because of the XXXX investigation. In 45 days since my attorney sent Equifax a letter and over 90 days since my XXXX letter and over 60 days since my phone call to XXXX, we have received NOTHING!! Just a credit report copy that says the same thing as last month. No investigation documentation stating how the investigation was done, if one was done, what each creditor said or anything else.
Product: Credit card

Discover company claims I agreed to a payment protection plan in 2003 but ca n't give me proof. They have cancelled the plan on my request and have offered a refund of the past 6 months chargesture. This plan represents a great deal of money charged me with no benefit to me at all. My husband pays the bills and did not realize this was a scam charge.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.
Product: Debt collection

My previous company was supposed to pay my XXXX from an incident I had at work. They paid most of the bills but forgot to pay XXXX and now they are comming after me when they where put into collection without me even knowing.
Product: Mortgage

On XXXX XXXX I decided to do a search of information and documents on my home. The reason I did this is because I have been divorced from my ex spouse for 9 months now and I haven't got my buyout for her keeping the house. I found in my search that she has refinanced our house for the 2nd time that I didn't know about back in XXXX of last year and got {$18000.00} and I have not seen a dime of that money or the money before. When I first found out that she refinanced the house without my knowing or my permission and signature, I contacted Planet Home Lending the company that we have the mortgage through and told them what I had found out and I wanted answers of how this was done. This was maybe around XXXX or XXXX of 2021 maybe a little earlier or later when I contacted then. Unfortunately I do not have that email address anymore or I would have the email I sent them. Up until this time I have not got any response from Planet Home Lending regarding this. I contacted them prior to this on XX/XX/XXXX letting them know who I was and that I needed all the paperwork regarding my property because me and my ex spouse is no longer married and they replied on XX/XX/XXXX and said my email didn't match their records and had me give then my new email address so they can update it. They never emailed me back before I sent them the email on the XXXX letting them know what I found out and I told them that I would file charges if this was not fixed immediately because I have already in the past brought this to their attention. I still have not got a response from Planet Home Lending as of today. I have done my research and know for a fact that they have done illegal activity by refinancing this house without my approval twice. And I don't know how she even cashed this check with both of our names on it. I want everyone involved held accountable.
Product: Credit reporting or other personal consumer reports

Transunion will not open disputes for these inquries.
Product: Checking or savings account

my checking account was charged a {$34.00} fee for insufficient funds. I requested a refund since the first time they reverse it, it was due to their monthly maintenance fee of {$12.00} per month. This time the charged was due to a payment to my payment on my credit card. I called them several times and was waited for more than 20 minutes each time to be connected to a supervisor BUT WAS OBVIOUSLY DROPPED FROM THE CALL EACH TIME. I COULD HEAR THE CUSTOMER SERVICE ACTUALLY DROPPING THE CALL!
Product: Student loan

Since XXXX 2015 I have been trying to get my loan discharged from Navient. I am one of the XXXX  students that qualify for a discharge. I have sent all the necessary paperwork to both the DOE and Navient and as of today, I have no answer from either of them. DOE tell me that it 's Navient 's problem and Navient tells me that I need to contact DOE. I understand that even if I get the discharge that I 'm still responsible for the interest that accumulates but how much interest will I end up with if they do nothing but add interest to my loan that they are making no effort to discharge? I just want to get this settled, all my friends that attended XXXX have all had their loans discharged but me. I have this 53k+ loan it 's put a toll on my family and life, we are unable to move due to my credit. Can you please help me?
Product: Debt collection

Received care at XXXX XXXX with authorization from XXXX. Contacted XXXX with authorization number on four different occasions. Finally XXXX sent the account to collections. I have sent a certified letter XX/XX/XXXX to Revco XXXX, and have received yet another letter dated XX/XX/XXXX. In-between these dates XXXX is sending me notices through the mail for payment as well. The XXXX authorized the procedure, and paid all bills submitted. I have done everything on my part to ensure the account was taken care of and feel like I am being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a dispute letter regarding inaccurate and incomplete information that is reporting on my credit report. I demanded them to remove the inaccurate and incomplete information, not update the account. They did not follow proper procedures to assure maximum possible accuracy of this account. I demanded them to show me a contractual agreement stating that I gave them permission to report such information on my behalf, 1681 ( b ). They did not. I am still waiting for a response.
Product: Credit card or prepaid card

I purchased a complete formal dinning set from Macy 's on XXXX XXXX 12018. The total amount of purchase : {$4100.00}. Upon receiving the delivery of the furniture in question, I noticed some blemishes/damages on the surface of the dinning table. I contacted Macy 's furniture to advised of the received defective furniture. Macy  's made several attempts to replace the damaged item with a newly fabricated tables but were unable to match the finish on the original table, and 8-chairs. The primary reason, according to a Macy 's representative was due to Macy   's changed furniture manufacture and supplier. As, result, Macy   's offered and I accepted an agreed resolution which Macy 's promised to provide a customer accommodation, an allowance of {$1800.00} ; to be forwarded and credited on my account balance. It has been approximately, four months since this resolution agreement was accepted and no adjustment to reflect the said allowance has been credited to my account. My wife and I have attempted at least 5-different occasion to request the adjustment, but we keep getting false assurances. Macy 's representatives tell us that the adjustment appear on my account within 10 to 14 business days, within 15 to 19 business days, and the most recent within 5 business days but my account is never adjusted to show the allowance discount.

In addition, I have sent out at least two emails via Macy 's online web site, and on particular to the corporate email address, but to no avail. 

The agreed resolution is in writing on an email sent to us from XXXX to our email address. This Macy 's Keep As is Agreement shows the allowance amount of {$1800.00}. However, as mentioned the amount has not been discounted from my credit card balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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. 
XXXX XXXX XXXX XXXXXXXX reporting as charge-off XXXXXXXX XXXX XXXXCharged off as bad debt|Canceled by credit grantor XXXX XXXX XXXXREPORTING DEROGATORY XXXXXXXX XXXX XXXX XXXX-Derogatory XXXX XXXX XXXXXXXXPayment after charge off/collection|Paid profit and loss INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX