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

My american express card was used by my self in XXXX XXXX XXXX this XX/XX/XXXX I had 2 rooms reserved 1 for me and 1 for my daughter upon checking in i went to my room where the room was dirty moldy i went to the desk and told them i said we just checked in and will not stay in the rooms because of there filthy condition they said ok took our keys back and said no charge. when my bill came i noticed the hotel charged me for 2 nights and for both rooms i called the hotel and was given the General mgr name Mrs XXXX i called several times and left messages over 4 days she never returned my calls I notified Amex and filed a dispute they received info from the XXXX i was given XXXX credit and was still charged XXXX for the second room my dispute was reversed by Amex i called then again in XXXX and put it back to dispute once again they took the merchants side i tried to dispute again but was told i count have 3 disputes. when i told them again that i was only given credit for one room they took another complaint but in 2 weeks it was put back on my card. I called today and spoke to a disputes also who informed me that the docs provide were used 3 times the hotel never did the next 2 docs but amex used the original docs from XXXX all three time now if the first dispute was reversed then using the original docs would make all other disputes in favor of the XXXX XXXX. Today after filing another dispute and giving her reasons for the reverse design she agreed to have them resubmit a dispute asking for new docs from the merchant. Then she transferred me to another woman who told me that the new dispute filed today was not allowed. This XXXX XXXX is XXXX miles from my home and amex just used for all4 disputes the original doc from the hotel i told the woman to cancel all of my 4 Amex cards because of this. It seems that amex did not properly complete the last 3 disputes so ii did not get a fair shot with them and the hotel provide to them false docs saying i was given XXXX and XXXX and a fern night but all i got was a big headache from amex. I was hoping that yr agency can help me as of today i am being charged for something i never received and thing the fair credit act has protection for this
Product: Debt collection

Back in 2016, I was contacted by Transworld regarding an emergency room bill they were assigned to collect. I agreed to settle the account and made payment to Transworld. No account from Transworld was reporting to my credit history at this time.

Later, I took a look at my XXXX credit report and saw that Transworld has been reporting the account as a collection account, even after I made payment. Their tradeline states paid in settlement but in the portion stating amount paid it is blank. My common sense would say they ( Transworld ) should at the minimum report how much was paid. 
I did dispute the accuracy of the information to XXXX XXXX, who stated they contacted Transworld and were informed to delete the entire account. So it is off one of my credit reports. However, when I made the same dispute to XXXX, XXXX   responded that Transworld reported back the information should remain unchanged on my credit history. I do not understand why Transworld would tell one credit bureau to delete an account and another to continue reporting it. It is not so much as reported as a disputed or contested account by Transworld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage from   XXXX   XXXX  , they did   XXXX   times hard inquiry during 2 months period, with out my authorize,  XXXX  in  XXXX     2016  and other  XXXX  in  XXXX   2016 , they did the second hard inquiry after they cancel the pre approve, i never get the loan and my score dropped  XXXX  points, I filed a dispute with credit agency, they did n't solve the issue.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number XXXX. 
I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed. 

Furthermore, if this account is alleged to be related to the account that has BEEN SOLD, then you are admitting to a pooling and servicing agreement also known as securitization. I, XXXX XXXX, DID NOT DISCLOSE, NOR AGREE verbally, electronically, or through written consent with a wet ink signature, that I wanted this course of action with XXXX XXXX XXXX OR ANY RELATED THIRD PARTIES. XXXX XXXX XXXX contracted with an additional party without my consent, making me VOID to pay ANY ALLEGED DEBT. 

To add upon this, I wanted to provide VALIDATION OF THIS ALLEGED DEBT, with the production of this account and the general ledger statement!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX Balance XXXX {$910.00}, XXXX XX/XX/2022
Product: Debt collection

On XX/XX/XXXX i was contacted by Hillcrest, Davidson & Associates, LLC they stated there was a civil lawsuit against me with XXXX XXXX XXXX  for XXXX dollars. I explained to Hillcrest, Davidson & Associates, LLC that my account with XXXX  XXXX  was personally closed back in XXXX and at that time had a XXXX  balance. the women I was speaking with from Hillcrest, Davidson & Associates, LLC stated she would give me 24 hours to find documentation stating this if I could not then she would retract my file and pursue the lawsuit. Looking into this matter I was never contacted by XXXX XXXX  stating I owed money via mail or email. the woman called me back the next day asking i fid out documents. I let her know that I was never contacted and I felt like this was false and I asked for further information about Hillcrest, Davidson & Associates, LLC and who they were. she stated she did not have to provide any information and hung up on me. today XX/XX/XXXX I personally called XXXX  XXXX XXXX. The bank told me that I do not Owe XXXX dollars. I do owe XXXX dollars in fines but no action has been taken against me. They told me to go to a branch manager and have the fees waived. I then called Hillcrest, Davidson & Associates, LLC back today XX/XX/XXXX to let them know this and the lady became angry with me and stated " well get thrown in jail i dont know why your calling me back if you know so much '' then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOLLOWING ITEMS ON FTC REPORT IS CONSIDERED FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a chapter XXXX bankruptcy shown on all 3 bureau reports 2-4 times over the past 1-2 years. They all say they confirmed and it will remain on my credit. I know they are lying and did not confirm, as i do NOT have a chapter XXXX. This has negatively affected my credit for the past 3+ years. Thus my complaint is against XXXX XXXX and Experian for inaccurate and unfair reporting practices. 
I want them to remove this immediately. Some of my accounts that I paid off even are marked as " dismissed in chapter XXXX ''!!! Its betong infuriating, years of fighting this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I opened a credit account with XXXX XXXX XXXX on XX/XX/2019. A lady named XXXX opened the account for me. Within a few days I looked at the account online and I noticed a {$5000.00} cash advance had been made from the credit card which I never asked for or approved. I used the card a few other times for small purchases. 
I immediately went into the branch and tried to get the charges reversed. It took a few visits for them to post the payment to the credit card. I am in the middle of trying to apply for a mortgage and buy a home so this couldn't have happened at a worse time. It has taken a month and many visits and phone calls to make any progress at all within XXXX. 

As a result of this my credit score has dropped 100 points because of the maxed out credit card and XXXX still has not reported to the credit reporting bureau that I have repaid the loan.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to DISCOVER BANK. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you correct the said account. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account that i attach bellow 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 reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. XXXX  and XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in XXXX XXXX compliance ) to provide to me, the consumer alleged, even a single or XXXX tangible shred of evidence from any much less any of these data furnisher ( XXXX ) of your absolute maximum compliant reporting ( XXXX ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the XXXX XXXX compliance XXXX from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have XXXX days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, XXXX XXXX XXXX, or else whether mentioned or not ) claims or aspects of claims associated. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX XXXX. XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is Reporting Information that is Detrimental to my Livelihood on my Credit Report I have asked for Proof and have not received that information as of this date. 
This matter will cost me dearly if not corrected. 
I have been charged with enquiries ; I want to know how when. 
1. There should be a Freeze on my Report 2. The company all have not records of summiting applications I need this to be investigated as my score was dropped when I was in the Home buying process
Product: Credit reporting, credit repair services, or other personal consumer reports

I have positive accounts that are not being reported and I have been continuously trying to get them to correct my scores but they are all reporting a negative and low score. I have information showing that my score should be in the XXXX 's with my continued success of PAYING MY BILLS, I am starting to think that this is all a scam and feel as though I as well as many other American citizens can not believe in this system. I also feel as though this would be a very good topic to start spreading on stoical media as well as a Podcast to answer the American peoples questions regarding their credit. I know several individuals whos credit is very much worse than mine but they all have a better credit score even with all the negative on their reports. that is why I feel it is important for me to get this information out. I do expect for the CFPB to have all 3 credit reporting buraus to correct my score and bring it up to where i know it should be. I have also had Experian report to me XXXXne score but then report another to a financial institution. All 3 were reporting payments not made when payments have been made. Only one has fixed that issue. I have reported incorrect information on my reports to all 3 reporting agencies, they will correct it but then go right back to reporting the incorrect information again with the new quarter. I do not feel as though I can trust that accurate information is being reported or feel that this is ever going to be resolved.
Product: Debt collection

On XXXX/XXXX/2017 I check my credit report to see that Apex Assest Management listed a collection on my credit report without making aware of the debit in writing.
Product: Student loan

My Student Loans from XXXX and Navient are almost at XXXX and I only have an AA degree. For years, I tried to make arrangements with my leander to make affordable payments but I was always talked into being on a forberance program. Because of this the interest on my loans have been astronomical and almost fabricated in my opinion. My desired resolution is for my loans to be completely forgiven because I have been taken advantage of for years. They would ask me for XXXX monthly payements due to interst. this has affected my credit etc for years.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear incorrect on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance, with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above accounts so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

Subject : Dispute of Unauthorized Collection Activity on My Account Dear CBPF Collections Department, I am writing to formally dispute the collection activity on my account regarding an alleged credit card debt of {$500.00}, which I categorically deny owing. I have never owned or used a credit card with such a balance, andthis company as the original creditor.This is false and fraud.

I kindly request that you cease all collection activities and provide verifiable proof of the alleged debt, including any signed agreements or documented transactions that link this debt to me. Failure to provide sufficient evidence will result in further action to protect my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Please acknowledge this dispute in writing and confirm the removal of this erroneous collection from my records.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
COLLBUREAU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ODE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have two private student loans handled by Navient. Since XXXX of this year, I have had to call them monthly ( could not solve the problem via their web site ). Each month I have to make the same request which is to apply a specific amount to ONE of the loans, and leave the other loan UNAFFECTED. Both loans are paid automatically. I have requested {$1900.00} to be paid as an extra payment on ONE loan MONTHLY until THAT ONE LOAN is paid off. Each month less has been applied ; typically {$1900.00}. and dispersed among BOTH loans. Also, until the most recent phone call I made onXX/XX/XXXX I was not told that I could pay a MAXIMUM of {$1900.00} and was not given a reason for this. This is causing me to have to pay my loan off longer than I want to pay it off. My plan is that when that one loan is paid off, then the {$1900.00} would be applied to the remaining loan. Each month they apologize and assure me that the following month, the amount deducted automatically will be applied to the ONE loan I want it applied to. Each month this is NOT the case. This situation will cause me to have to pay my loan off over a longer time frame than I want to and will cost me more money to do so. I have never made a payment late or paid less than was was required. Please advise. Thank you.
Product: Debt collection

This company has placed a debt for medical bill which does not belong to me. Also, how did this company get my social security number to apply to me? It has already placed the debt to another person who shares the same address as me with the same name. I assume they do not verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I opened an e-mail link that took me to a website for a financial service. ELAN financial service. When I spoke to the rep she was extremely misleading and told me the wrong information. I was under the impression that I was hring a credit repair company to help me with my score and to help me repair my credit during a very hard time. I was going through a divorce. I told the rep that I had no problem making the payments and that I had just fallen behind because my wife and I could not settle our financial differences and that all I needed was help reaching out to my credit card companies to help me remove the late payments. I was under the impression that this rep would have my pay what ever fees I needed to in order to have these late payments removed. I later found out that this was not at all the service that they were providing when all of my accounts were closed down by my banks. I never received a single letter from these people and when I tried to resolve it with the manager I was not able to get anyone to understand that they completely mislead me and severely affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly collections in the amount of {$4400.00} ; {$7300.00} ; {$5900.00} ; and {$7200.00} on the XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  partial account numbers XXXX-XXXX-XXXX-XXXX. ( Please see page attached from my credit report. ) These accounts have been transferred and should not be reporting. This is a violation of the Fair Credit Reporting Act. The false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I am experiencing issues with my account on the " Coinbase '' exchange platform, in which my account appears as " restricted '' for no reason. After trying to contact the company repeatedly to collaborate in case there was a problem with any document, I did not receive any response. It is a matter of vital urgency for me since there are some funds in my account, currently blocked as I can not operate with them. 

Best regards.