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

On XX/XX/22 we made a reservation for a XXXX XXXX XXXX in XXXX XXXX, Florida for that same night. When we arrived at the XXXX XXXX XXXX to check in, they wanted to swipe our XXXX XXXX XXXX for an additional {$300.00} security deposit ( no mention of this on their website ) and said we may or may not get {$300.00} back. They said {$300.00} would cover any damage to room including stains on carper, marks on walls, etc., which is crazy because every hotel you ever stay at has all this stuff already and you don't do a walk thru inspection when you check into a hotel room. We refused to swipe our XXXX XXXX  for additional {$300.00} and they refused to give us keys for room and we were forced to leave. When I asked for the clerks name and his managers name, he refused to provide any of this information. I went out to my car and immediately called my XXXX XXXX  issuer, Commenity Bank, about what had occurred and to get them to dispute and remove the {$99.00} charge from XXXX XXXX XXXX and was told to call back when charge had posted through, which I did on XX/XX/22. I was told by Commenity Bank that they had up to 60 days to resolve the dispute. We ended up staying at another hotel in another city that same night, using our XXXX XXXX  for payment to show that we couldn't have stayed in 2 different hotels in 2 different cities on the same night. At the end of 60 days, Commenity Bank still refused to remove the {$99.00} charge and the merchant wouldn't even return our messages about it. We shouldn't have to pay {$99.00} for a hotel night we were refused access to use by the hotel itself under very shady circumstances.
Product: Mortgage

In XX/XX/XXXX my wife and I purchase 2 tracts of land, 33.3 and a 1.75 tract. In XX/XX/XXXX we went back to the bank and wanted to build a home on the 33.3 acre tract. They cut out 4 acres and issued us a construction loan for XXXX. Recorded in the XXXX County court house in Book 802 pages 232-241. On the same day and at the same time we also signed a security deed for the remaining XXXX acres. Recorded in the XXXX County court house in book 802 pages 242-250. In the security deed for the home loan the legal description reserves an easement across the 1.75 acre tract and continues through the remaining 29.3 acre tract to access our primary residence. After the completion of our home we got a conventional mortgage thru United Community Bank with an affiliate of theirs, The XXXX XXXX XXXX. They then sold it in the secondary market to XXXX  XXXX and then it went to XXXX XXXX. We also refinanced with XXXX XXXX  in XX/XX/XXXX. In XX/XX/XXXX during the worst of times United Community Bank double our interest on the 29.3 acre tract raising it from 3.25 % to 6.5 % making it very difficult for us. Then in XX/XX/XXXX we asked for an interest only loan to try and get through the tough times. The Bank led me to believe they would do that but never did and allowed me to get behind and then called the loan due. I went to the bank and attempted to make the loan current but they refused payments and accelerated the loan and then filed a law suit against me. They then said they would drop the law suit if I would give them my commercial property were I operate a small restaurant. I was advised by legal council not to do that. They already doubled our rates and they could do it again and then you would loose everything. The situation forced me into bankruptcy. At that point United Community Bank foreclosed on the XXXX acre tract as well as the XXXX acre tract. I owed them XXXX for the property that they refused payments on however they sold the property to XXXX XXXX XXXX for XXXX who then sold it to a mortgage broker and developer for XXXX. United Community Bank refused to deal with me. The mortgage broker and her husband, the developer, XXXX and XXXX XXXX then sued me stating that I had no easement to access our home. In a motion for summary judgement the judge closed our road cutting of access to our home. He stated that United Community Bank never gave us express permission for an easement to our home even though it is in our Construction loan, our mortgage and all through our chain of tile for our home. The judge ruled because of the security deed in book 802 pages 242-250 for the 29.3 acres doesn't reserve an easement and for that reason we had no right to have it in our mortgage. As a result we are land locked and are being kicked out of our home. How can it be in one but not the other, both signed at the same time. It appears to be either a bait and switch or fraud or just an error that they won't correct. I don't know which. XXXX XXXX has filed a title insurance claim however that doesn't help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX before it was XXXX and I was placed on a long deferment due to a XXXX XXXX XXXX I was living in. I had to stop school in XXXX out of fear of XXXX XXXX locating me. I was placed on deferments. On my credit report I have 60 days late 90 days late and 120 days late around the time if my deferment. Now I 'm on a deferment and the balance is still going up. I would like to have these late payments deleted due to being on a deferment st that time.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; SXXXX XXXX  Balance : {$1900.00} ; XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3000.00} ; XXXX & XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent. 
o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties. 
4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX
Product: Debt collection

My father has spent the last XXXX months bouncing from XXXX XXXX, to the XXXX, to XXXX XXXX, to XXXX XXXX XXXX. After failing to maintain any regularity at my health club, I instructed them to keep my account frozen until further notice. 

While my account was frozen, I was billed the freeze rate of XXXX. However, an expired credit card on file couldn't be charged. Rather than contact me to alert me of this issue, XXXX XXXX XXXX XXXX ( XXXX ) continued to charge me month in, month out, as well as tack on a {$15.00} dollar late payment fee for each month. 

XXXX eventually unfroze my account, again without notification. They billed this expired credit card {$75.00} and then another {$15.00} late payment free. After explaining the issue to XXXX, they decided they would not waive these fees and instead turn things over to XXXX XXXX XXXX. That did not end up being the debt agency. Instead, I was contacted by Aldous and Associates. When they contacted me I explained the issue, but they informed me they would nothing about the balance, and I could either pay the full amount of XXXX or file a complaint, of which I'm doing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a victim of identity theft regarding the recent reappearance of fraudulent accounts on my credit report. Despite the previous removal of these accounts due to fraud, they have been inexplicably reinstated without my consent or notification. 

Despite having provided evidence of fraud and securing the removal of these accounts previously, I recently discovered that they have been reinstated on my credit report without my authorization. This is not only a violation of my rights as a consumer but also a blatant disregard for the evidence of fraud that was previously acknowledged. 

I demand the immediate removal of these reinstated fraudulent accounts from my credit report. It is unacceptable that your company has replaced these accounts without my consent or even informing me of this action. This unauthorized reinstatement not only damages my financial reputation but also undermines the efforts made to rectify this situation. 

I urge you to take immediate action to rectify this matter and ensure that these fraudulent accounts are promptly removed from my credit report. Your cooperation in this matter is essential to restoring my financial integrity and protecting my rights as a consumer. 

I expect to receive a written confirmation of the removal of these reinstated fraudulent accounts from my credit report.
Product: Debt collection

I have recently filed an identity theft report with XXXX XXXX XXXX For a credit card that was obtained with my personal information that I never applied for. I have submitted documentation to XXXX  and they have taken this debt off my credit report. XXXX XXXX XXXX  sold this debt to Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Midland Credit Management calls me continuously throughout the day. This company needs to cease and desist their harassment trying to collect a debt that I do not owe is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a note loan account with Western Shamrock in XX/XX/XXXX. In XX/XX/XXXX, I made a loan payment to pay the account ahead through XX/XX/XXXX. At the time when the payment was made, the loan status was current and was not behind. In fact, this account has not been behind since inception back in XX/XX/XXXX. In XX/XX/XXXX, I made another payment which paid the account ahead through XX/XX/XXXX. Since I started paying this account ahead in XX/XX/XXXX, Western Shamrock has repeatedly reported to XXXX that my account is 30-59 days behind. I have disputed this information directly with Western Shamrock on more than one occasion. I have also discussed this situation with the area manager of the local Western Shamrock office and she has verified and agreed that my account has not been late and stated this would be corrected.

Additionally, I have disputed the same information with XXXX. Both Western Shamrock and XXXX are playing the blame game and neither company has taken accountability to rectify this situation. I am seeking to have my XXXX credit file corrected as this situation is preventing me from being approved for a mortgage. 
Fortunately, my credit file with XXXX and XXXX is being reported correctly as current.
Product: Debt collection

On XX/XX/XXXX I received a collection notice from American Coradius, International, LLC trying to collect on an account listed as XXXX XXXX ( not kidding ) that somehow was attached to my name. The company was listed as having a physical address of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, NY. I checked on XXXX and it appears to be a storefront of sorts without much more heft. They listed an account from XXXX XXXX  which I have never done business with and when looking for their physical address found four locations. Apparently they used to be XXXX XXXX loans and their CEO XXXX XXXX left XXXX when it separated itself from XXXX. XXXX apparently bought all of XXXX 's credit accounts but I have never used XXXX  either. There was no information as to what I had supposedly purchased, or when, or from whom and what makes this particularly absurd is that someone processed the account under the name XXXX XXXX XXXX. When I was a XXXX XXXX XXXX for XXXX XXXX my signature was good for {$25000.00} and it would be appropriate for whoever committed the fraud that started this all off should have the balance charged against their signature. As a bonus, whoever accepted the account from XXXX XXXX and American Coradius, International, LLC should also be billed for the amount as a penalty for not even bothering to read the name on the account. I have no idea how that got any of my personal information to link the account. I'll leave that all up to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed for months on getting 3 bankruptcies removed from my report and send in proof of being a victim of identity theft and the company still refuses to delete. Account number # XXXX, # XXXX, # XXXX. XXXX  and XXXX  have deleted this information with the proof sent in, but experiean keep illegally reporting this information. I want this deleted as soon as possible so i can comtinue working on my credit that somekne came along and destroyed. My report number with ftc is # XXXX.
Product: Debt collection

I received a letter on XX/XX/XXXX saying that XXXX stating that they were going to garnish my wages. I returned a letter on XXXX, XXXX asking for validation.They sent documents with items missing other pages, they were missing a whole month from XXXX They didn't wait the allotted amount of time for me to dispute and placed the wage garnish on my account. I believe they violated my rights under the Fair Debt Collection practices act. Also there is no court information so I can contact the court to dispute this. Also this alleged debt is Time barred.
Product: Money transfer, virtual currency, or money service

I purchased a camera lens for {$860.00} that was falsely advertised from XXXX XXXX using a XXXX XXXX credit card through PayPal on XX/XX/18. Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to resolve my issue with the falsely represented product I was sold, but they did not provide an acceptable solution On XX/XX/XXXX, I called XXXX XXXX, and they recommended that I open a dispute claim through PayPal, and I did. On XX/XX/XXXX, PayPal informed me I would be eligible for a refund if I returned the item before XX/XX/XXXX, but I would have to pay for return shipping and may be eligible for reimbursement. When I called PayPal and told them this was not satisfactory, and I wanted shipping paid upfront by seller, they suggested I open a claim with XXXX XXXX, which I did. XXXX XXXX opened up a dispute claim and requested a number of documents to support my claim, which I forwarded on a number of occasions from the end of XXXX to early XXXX. During this time I reached an agreement with the seller in which it provided shipping cost upfront, and I returned the lens -- seller confirmed receipt on XX/XX/XXXX. However, both PayPal and XXXX XXXX are refusing to give me a refund. XXXX XXXX claims I did not provide requested documentation, which is irrelevant not that the item is returned, but also will not provide anything in writing to explain how my submissions were insufficient or how that relates to their refusal to refund my money after returning the merchandise. PayPal refuses to do anything without notification from XXXX XXXX that the dispute is resolved, and XXXX XXXX refuses to provide such notification. One or the other or both are holding my refund and refusing to cite a valid reason to justify their refusal to refund my money after I have returned the merchandise.
Product: Credit card

I found a credit account on my credit report that was open fraudulently. Its the Home Depot/ Citi Bank North America and the account number begins with XXXX ( I have not knowledge of full account number and they could not locate this account using my SSN ). I have already reported this to identity theft and police. Actually, a policeman from out of city of XXXX called me that my driver license was stolen with case number XXXX. Actually, I requested dispute from XXXX but they refused to remove this record.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear SUNRISECRED, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5. 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law. 

I assert with unwavering certainty that I have not provided consent for SUNRISECRED to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SUNRISECRED immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.