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

I booked a hotel room on XX/XX/XXXX of 2021 for XXXXe night with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  via XXXX. The reservation was for {$660.00}. I cancelled within the time period of free cancellation and received an email that my cancellation was processed and that i would be receiving a refund within 14 business days. I never received my refund, i attempted to call XXXXXXXX XXXX and XXXX on multiple occasions before submitting a dispute with American Express, XXXXXXXX XXXX  said XXXX never cancelled my reservation, even though they sent me an email that they did and I never received a call back from XXXX. I opened a dispute with American Express and submitted proof of cancellation and received provisional credit because they are still waiting for a response from the merchant. I am concerned because XXXX 's will say that it was never cancelled but i have email confirmation and submitted that to American Express! The free cancellation should be enough to close the investigation. I revoked authorization, I need my money back.
Product: Mortgage

PHH has sent us a fraudulent statement regarding our mortgage. They have refused our payments after they received our last trial payment of our loan modification XXXX XXXX XXXX 2016. They also sent us an intimidating and fraudulent Delinquency Notice. We are being harassed by this company.with these threatening notices being sent to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account called " XXXX XXXX  '' for {$11000.00} that I did not authorize. I have sent several notices to the company about said inaccurate information on my consumer report. They have yet to be fixed and/or be removed even after they have done an " Investigation ''. This account is ruining my ability to receive credit and buy a home or house
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Subject : **Cease and Desist of Communication Under 15 U.S.C . 1692c ( c ) ** Dear XXXX XXXX XXXX I am writing to formally request that you immediately cease and desist any further communication with me in regard to the debt referenced in your records. 

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this alleged debt. Specifically, I am requesting that you refrain from any further written, verbal, or any other form of communication, including phone calls, letters, and emails, unless it is for the purpose of notifying me that your collection efforts have ceased, or you are taking specific legal action. 

Please be advised that any further attempts to communicate with me in violation of this request will be considered harassment, and I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my states attorney general. 

I request that you confirm in writing that you have received and are complying with this cease and desist request within 30 days. 

Thank you for your prompt attention to this matter. 

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

I have requested several times from the debtor and the credit reporters to send me proof of the debt they have not yet to date and the XXXX account in question is over XXXX XXXX XXXX should not be on my report anyways. also they did not remove or resolve the issues within a timely matter just asking that XXXXXXXX XXXX XXXX acct XXXX be removed from my credit report till they can provide proof of the debt belonging to me.
Product: Checking or savings account

A few months ago, around XX/XX/2018, the amount of {$1900.00} was taken from my Bank of America checking account. It was through 2 separate transactions, one of {$400.00} and other of {$1500.00}. Bank of America claims that Im responsible for these transactions since apparently my debit card and pin were used for them. I did not make those transactions, I did not take that money out of the account, I did not use that money!!! I needed that money to pay my bills, which are all set up for autopay so there would be no reason for me withdrawing that money!! I have no history of defaulting payments, nor bankruptcy, nor anything! There are many things that couldve happen in this case, like the people that I used to share the house with back then having access to all of my personal information and belongings. I no longer have contact with them since I moved out of the house when some of my stuff went missing. I was also thinking that maybe the card couldve got cloned, so I canceled it and ordered a new one just in case. I honestly dont know why or how this happened to me, I dont know what else to do to prove that this wasnt me. The bank requires documents proving my innocence, but there is no such thing! How to you prove through documents that you got robbed?? I have no idea! Please help me, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to notify you to ensure the deletion of the negative items which are erroneous in my file. I disputed these items last XXXX so I am here to redispute these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed two fraudulent accounts on my credit report : A loan with XXXX XXXX XXXX XXXX, showing a balance of {$9900.00}. 
A XXXX XXXX XXXX XXXX loan, showing a balance of {$34000.00}. 
I did not authorize or apply for either of these accounts. These accounts were fraudulently opened in my name and are the result of identity theft. 

Upon discovering the fraud, I took the following steps : I filed an FTC Identity Theft Report. 
I contacted XXXX XXXX XXXX XXXX and spoke with their representative, XXXX XXXX, to report the fraud. She instructed me to email their fraud dispute team for resolution. 
I reached out to XXXX XXXX XXXX XXXX to dispute the fraudulent auto loan. 
I am now filing this complaint to request the removal of these fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

I request that both companies take immediate action to investigate and remove these accounts from my record, as they are causing harm to my credit profile.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AD ASTRA RECOVERY SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Below are the accounts that are reporting on my Credit Reports : 1. AD ASTRA RECOVERY SERV XXXX Opened XX/XX/2019 Balance {$850.00} ; 2. AD ASTRA RECOVERY SERV XXXX Opened XX/XX/2019 Balance {$210.00} ;
Product: Mortgage

The amount Cardinal Financial took from me to pay off my loan with them when I refinanced is more than they should have. I've talked with them several times and each person I've talked to agreed the numbers didn't make sense so they resubmitted it to be officially reprocessed. After 2 months of waiting for this response, it came back and was clear either the person didn't pay attention to the complaint or doesn't understand how the numbers should balance because they confirmed that their numbers are correct even though it doesn't make sense. Details below : XXXX XXXX XXXX sent {$500000.00} to Cardinal Financial to payoff my mortgage ( per attached final escrow statement ). 

On XX/XX/2020 Cardinal Financial processed a total of {$500000.00} from me broken down as {$490000.00} as principal, {$1900.00} as interest and {$110.00} from my escrow account. ( per attached  screenshot of my Cardinal Financial account, transaction from XX/XX/2020 down towards the bottom ). 

Cardinal Financial shows the amount to payoff loan in full was {$500000.00} ( per attached payoff statement from Cardinal Financial ). My first question is why this should be different from the {$500000.00} that the escrow/title company thought was the full payoff amount? I don't understand why those numbers are different but I will assume Cardinal 's number is correct ( but I can't feel confident in any numbers produced by them ).

Cardinal says they did not receive payoff funds until 2 days after what was included in the payoff statement so there was 2 extra days  of interest. {$47.00} per day times 2 days equals {$95.00}. They also mention the fact that they received {$19.00} less from the title company than what was needed to payoff the loan. Given they received the funds 2 days late, the new total to payoff the loan should be : {$500000.00} + {$95.00} = {$500000.00}. ( I shouldn't need to add the {$19.00} again because that's included in their payoff amount of XXXX ). 

The transaction on XX/XX/2020 shows that I paid a total of {$500000.00} which is {$82.00} more than the {$500000.00} I should have paid. 

If their payoff number is correct they should pay me {$82.00}. If the escrow/title company 's payoff number from their final statement is correct they should pay me $ XXXX $ XXXX {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : XXXX. XXXX XXXX XXXX Account : XXXX XXXXDEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account XXXX XXXX Inquiries : XXXX : Inquiry date XX/XX/2022 XXXX  XXXX NA- Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXInquiry date XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX-Inquiry date XX/XX/2022 XXXX 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

In 2020 I was scammed by a car dealer in XXXX, GA. I purchased a used XXXX  for {$3000.00}. The car broke down an hour later and was returned to the dealer for repairs. After a few days, they stopped taking my calls. I filed a police report and provided the VIN number. The police informed me that the car had been resold. I immediately reached out to Bank of America to figure out how I could recover my funds. The funds were sent via XXXX. I had the person 's name, phone number, and their banking institution. I also provided Bank of America will my police report number. I spent weeks going back and forth with Bank of America and they were extremely unhelpful and at times just down right rude. Every time they requested that I provide certain information, I would and they still would pretend as if it's nothing they can do. They are partnered with XXXX and offering it as a service but fraud is not taken into account. As of today, Bank of America, who I have banked with for over 20 years allowed a shady car dealer to defraud me of {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I got an email last year from Experian saying some of my information was found on the dark web. Random things have popped up on my credit report. Im at work and just got XXXX back to back emails about inquiries. I called one of the companies first and the rep said she would have no way of know if someone applied online or in person. I then called Experian and the guy told me to call companys that received the inquiries. This is ridiculous and unacceptable. Ive worked too hard restoring my credit to allow stuff like this to happen
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great XXXX and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I'm REWRITING to complaint to COMENITYBANK-VSMC about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Bank of America and XXXX XXXX XXXX. I noticed XXXX unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove this inquires dated, the first one is dated XX/XX/2020 and the next is dated XXXX XXXX. 

Because I did not apply for credit with Bank of America, I have also reached out asking that they remove the inquiry from my credit profile, the contact address i reached out was XXXX XXXX XXXX XXXX XXXX, TX XXXX. The address attached to the inquiry. 

Please launch an investigation into Bank of America inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Bank of America is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my 3rd request for written documentation showing my signature on a XXXX form that gives my written premission to obtain these accounts. The credit agency did not follow through with the provided information, instead they sent a letter saying the account was verified as accuarate but failed to say what method was used to verify these accounts as accuarate. Which now the credit agency has violate the terms and law of 15 US code 1681 which is accurancy and fairness. The information provided by mail from Credit reporting agency does not show ACCURACY or FAIRNESS investigation and is a direct violation which therefore must be deleted within 4 days or I will be forced to file civil and hold the credit reporting agency in violation of my consumer rights. Please remove the following accounts as I had stated before, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please follow and don't continue to violate my right as a consumer and remove the accounts as states in 15 us code 1681c-2
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting or other personal consumer reports

I would like to emphasize that my right to privacy is of utmost importance. I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully obligated to " exercise your grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' I am invoking this right as per the legal provision. Kindly ensure that the following information is handled with the highest level of fairness, impartiality, and respect for my privacy.

Furthermore, under 15 U.S. Code 1681b ( Permissible Purposes ), I have never granted this company any permissible purpose to access my information. This constitutes a clear violation of the code. I request that the account ( s ) in question be removed from my report as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Given your responsibility to protect my privacy, I ask that this matter be treated with the utmost urgency. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I never entered into any contract with your collection company. You need to prove that this account rightfully appears on my credit report and that my rights remain intact, or you must terminate this account immediately. Under 15 U.S. Code 1692e ( 6 ), debt collectors are prohibited from providing false information or making misleading statements about the debt 's nature, amount, or legal status. Making deceptive claims or misrepresentations about the debt is illegal.
Product: Credit card

someone opened credit card accounts under my name without my knowledge using my personal info. this is an identity theft and these accounts must be removed from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TRANSUNION was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries that are listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX 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 was going over my report because I am looking to buy a house and I noticed some errors. I have since been stricken with XXXX XXXX, have missed work and my hair is falling out due to stress caused by this false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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