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

Re : Your Booking Confirmation for XXXX XXXX XXXX Hi there, Thanks for reaching out. I've reviewed the policy on this booking, and it's non-refundable and non-amendable. Unfortunately, this means that we are unable to make any changes to the booking and a cancellation will not result in a refund. Please note that this was communicated on the booking form, and later on the confirmation page. Thank you for understanding. 


Sincerely, XXXX | XXXX Tel : XXXX ( XXXX ) XXXX From : Reservations XXXX Sent : Wednesday, XX/XX/2022 XXXX PM To : XXXX, XXXX XXXX XXXX Subject : [ EXTERNAL ] Your Booking Confirmation for XXXX XXXX XXXX Primary Guest Name XXXX XXXX XXXX XXXX Check-In Thu XX/XX/2022 Check-Out Mon XX/XX/2022 Important note to our customers : Your future travel plans may be affected by COVID-19. Please read the refundability policy closely. Stay safe and find out more here COME BACK FOR THE BEST DEALS! 
Easily book another hotel for up to 50 % off through us, save more when you come directly versus anywhere else. 
XXXX XXXX XXXX Booking Details Confirmation Number : XXXX View Reservation Online Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, US Get Directions Room Type : Room, 2 Double Beds, Non Smoking Free Breakfast Check-In : Thu XX/XX/2022 ( XXXX PM ) Check-Out : Mon XX/XX/2022 ( XXXX AM ) No. of nights : 4 HOW TO CHECK-IN? 
Simply show up at the hotel and provide them with your name : XXXX XXXX XXXX If you would like to print out the details, please find booking confirmation below : PRINT HERE Paid via XXXX ending in XXXX. 
Room cost paid in advance. There will be NO additional charges or fees for the room. Only incidentals, resort fees, ancillary items ( eg. room service ), and destination taxes, such as tourism taxes, will be collected directly by the hotel. The hotel may authorize your credit card as a deposit to cover any damages to the room. 




Guest Details Guest Name : XXXX XXXX XXXX Special Request : Club Level Note : Special requests are not guaranteed. 

In order to check-in to the hotel, you will be required to present a valid photo ID that matches the guest name on this reservation. 




Cancellation Policy Non Refundable - This booking is 100 % non-refundable. It can not be cancelled or modified in any way. 




Customer Service Have questions about your booking? Visit our help center. 

Email : XXXX Other Details We work with the world 's leading hotels and hotel suppliers, which means your reservation is 100 % guaranteed. You do not need to confirm the reservation with the hotel, you are all set! 

Please note that our rates are private deals offered exclusively over 1:1 chat and are not available to the public. Therefore, this rate is not eligible for the hotel 's " Best Rate/Price Guarantee '' or price match policy. 






CAUTION : This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. 
XXXX
Product: Debt collection

This account was open on XX/XX/2018 this is not my debit from XXXX XXXX please block and remove from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I just checked my XXXX credit report and I've come across a lot of unknown credit inquires and I never consented of this and don't recall. I refuse this to allow this to sit on my credit report when I didn't authorize any of these company to run my credit. All of these took action on XX/XX/year>. These companies and bank include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax and XXXX  not reporting company caused me to have a lower score that violated my FCRA. rights 15 % of credit reports score rely on payment history length have them correct the paid off accounts that aren't reporting as even any kind of history XXXX XXXX XXXX ( 5 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you look at the report I just applied for a mortgage that I was turned down costing me a great investment property CFPB was put in place to make sure the company did their jobs. The company still harmfully violate our rights costing consumer Billions of dollars not millions
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I submitted a dispute informing the company that I am a victim of identity theft and that the debt in question is not mine. Despite this, the debt continues to be re-added after it had previously been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX  XXXX and Equifax requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the Court and they stated that they do not validate anything. I wrote both Equifax and XXXX XXXX to give them an opportunity to verify that data. Equifax wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Equifax allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in black and white.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a An Educational loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an authorized credit card opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, An Educational loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collection opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 XXXXhe aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

All through 7years of the months have been disputed and havent gotten any money back and due to lies of them saying that i dont have a account with them when i have a wells fargo account
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a child support account opened at XXXX  XXXX Bankruptcy on XX/XX/XXXX under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX on XXXX when my last month of interest free occurred. By the time I made it back to XXXX  I realized the issue and paid the interest for some time while trying to work with Synchrony to resolve this issue. Last year XX/XX/year>, when they reached out to obtain information for my military service to receive XXXX civil relief act, I sent in my orders and the final contact is when they sent me a letter about closing my account. Once the closed account hit my credit, I called them to figure out how to remove the negative balance and they said I had to reach out to Credit Bureaus.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debts To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am writing to formally request that you immediately cease and desist all communication with me, including phone calls, letters, emails, or any other form of contact regarding the following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX I dispute the validity of these alleged debts, and I request no further contact from your organization or any representative associated with it. 

Please be advised that this request does not authorize you to report false information to any credit reporting agency. Additionally, this communication serves as a formal notice that any continued attempts to contact me regarding these accounts may constitute a violation of federal law, subjecting you to potential legal consequences. 

Send all future correspondence, if any, regarding these matters to me in writing at the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Navy Federal Credit Union for Unlawful Account Closures and Debt Collection Practices Dear CFPB Representative, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding the unlawful closure of my accounts and improper debt collection practices, which I believe violate federal and XXXX XXXX State laws . 

Background : Account Openings : in XXXX I opened both a checking and a savings account with NFCU. 
Account Closures : NFCU subsequently closed my checking and savings accounts, as well as XXXX credit card accounts, citing that my credit cards were over the limit.

Debt Collection : NFCU sold the alleged debt to third-party collection agencies, which now appear on my consumer report. 
Tax Documentation : I did not receive a XXXX form for the charged-off debts, as required by the IRS.

Violations : 1. Unlawful Account Closures : Breach of Contract : NFCU closed my accounts despite my applications serving as securi
ty collateral, as outlined in their governing documents.

Violation of NFCU Policies : According to NFCUs Important Disclosures, a Membership Savings Account with a balance of less than {$5.00} for 180 consecutive days may be closed. My accounts did not meet this criterion, making the closures inconsistent with their stated policies.

2. Improper Debt Collection Practices : Fair Debt Collection Practices Act ( FDCPA ) Violations : NFCUs actions in selling the alleged debt to third-party agencies without proper validation may constitute harassment and abuse under the FDCPA. 
Failure to Provide XXXX Forms : NFCU did not issue the required XXXX forms for the charged-off debts, violating IRS regulations.

3. Negative Credit Reporting : Fair Credit Reporting Act ( FCRA ) Violations : The reporting of these debts to credit bureaus without proper validation and notification violates my rights under the FCRA.

Requested Resolution : Immediate Reinstatement : Reopen my checking and savings accounts with NFCU.

Debt Validation : Provide validation of the alleged debts and remove any unverifiable debts from my credit report. 
Issuance of XXXX Forms : Send the required XXXX forms for any charged-off debts.

Policy Review : Conduct an internal review of NFCUs account closure and debt collection practices to ensure compliance with federal and state laws.

I request that the CFPB investigate these matters promptly to prevent further unlawful actions by NFCU. Please contact me at ( XXXX ) XXXX or XXXX for any additional information or clarification. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

30 days ago I sent a dispute letter to ENHANCED RECOVERY COMPANY asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.
Product: Mortgage

I renctly refinanced and had my original mortgage paid off. I saw after it was paid off and my old escrow was returned to me the original servicer paid two payments to PMI. I called and asked about thia and they said that was normal. However i went bacl and read the docuuments from the original closing. I can't find this charge anywhere if i refinance.
Product: Credit reporting or other personal consumer reports

Under the doctrine of the estoppel by silence, engelhardt v gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please remove my hard inquiries from my credit report. I been asking XXXX to remove them.
Product: Checking or savings account

I have been trying for the past two weeks to close my checking account at Citibank. My account has been blocked since XX/XX/, 2022 due to fraudulent activity by a scammer. 

I would now like my account to be unblocked, closed, and the balance of {$1100.00} returned to me by Citibank. I have tried to work with Citibank to do this over the phone, but I have been sent from one department to another. The nearest branch is approx. a 7 hour drive. 

Please see attached detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this inaccurate account. I think you have not confirmed this information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX today ( X/XX/17 ) to report that a hard inquiry from them appeared on my Experian Credit Report since I have never had a XXXX XXXX account, nor did i ever inquire into getting one. I was passed along to 10 different departments in their fraud department where they determined I, in fact, had no accounts at XXXX in my name and they suggested I file a report here. I would like this hard inquiry removed from credit score ASAP. I 've attached a screenshot of the hard credit inquiry from XXXX XXXX AND XXXX which appeared that same month. XXXX XXXX was able to let me file a complaint through their website, but both should be removed from my credit score ASAP.
Product: Credit reporting or other personal consumer reports

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

US DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Transunion for a credit report and they signed me up for their monthly billing plan. I never wanted to sign up for this service, but the website is extremely confusing and keeps trying to force you to purchase different products. I was able to cancel the monthly service plan, but I am still being charged for this month. 

I also paid for a credit report to submit to a landlord and the Transition site won't let me print my credit report or download a copy. What I paid for is useless because I can't send it to my potential landlord. Their website is a complete scam. 

XXXX XXXX
Product: Mortgage

I called the mortgage company SPS to ask why my mortgage payment increased by {$500.00}. The first agent commented on how my taxes seemed abnormally high but she was having technical difficulties pulling up my whole account and transferred me to a man at SPS. I spoke to him and asked him about this. He said more than likely it's because of estimated tax increase and mortgage insurance increase. I asked him how much my property taxes went up and he said {$200.00} for the year. I asked about my mortgage insurance and he said {$10.00} more a month. That doesn't equate to the {$500.00} a month increase i paid! And I kept asking him and he kept going in circles with me. If it's another {$200.00} for the year in property taxes, and {$120.00} a year for the insurance, that's only {$320.00} for the year more- so why did i pay {$500.00} more A MONTH? And then he said the fee would be " CORRECTED '' as if he admitted there was an error on their part. When I asked him, he basically wouldn't admit thats what he meant and just circled back to the same excuses he initially made. The new corrected payment is supposed to be about {$5100.00} so or- which it was still more than that before XXXX. The numbers aren't numbering.
Product: Credit card or prepaid card

Basically I was shopping online at XXXX. When I was checking out it said I could save 40 % on this order if I applied for the card ( It even gave the exact dollar XXXX I would pay if I got it ). I applied. It said approved and said it would be added XXXX order. It wasn't. I called customer service to get the card number and a code for the XXXX percent off. The first associate hung up on me. The second directed me back through the automated system. At this point I knew this must be a regular thing for them and the employee knew I wasn't getting what I want and was going to be upset. I asked for a manager and he told me Don't worry, you'll get your card in a week and can use it then. I was like, No... I want to use it for this order. He told me it had to be used when making the order so he couldn't help me. I was still in the order!!! I had left it on my phone for days. So basically I made a contract with this company that I applied for their card and I got 40 % off. I did my part and they didn't follow their part of the contract and they don't care. The bank is called Comedity Bank. The manager wouldn't give me any last names and said there was no one above him to speak to. So basically I got scammed and my credit is taking a hit for no reason. He told me he couldn't close it and can't do anything about my credit.
Product: Debt collection

Portfolio Recovery Associates collection agency bought a fraudulent debt from XXXX XXXX XXXX in my name a card which I never applied never used never paid and was dumped by XXXX and bought by pra now pra is producing listing on my credit report for XXXX XXXX XXXX  which has already sold the dead which is not right and their debt buying listing also which is against the law as I have no agreement to pay the debt especially a fraudulent one to them they also failed to validate what does that is for they do n't even have my personal information
Product: Vehicle loan or lease

I have emailed and mailed a letter to credit acceptance asking them to contact me so we can set up a date, time and place for them to get the 2011 XXXX XXXX and no response.
Product: Checking or savings account

Bank closed my checking account on XXXX XXXX.Will not release funds that are in the account.Amount-over {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violatons attached please remove them all and the laws that pertain to the violations
Product: Credit reporting, credit repair services, or other personal consumer reports

there is incorrect personal information on my credit report.