23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was scammed by a spoof website pretending to be an actual hotel that I was looking to reserve a room from. 
Whay happened is as follows : I searched a specific hotel but somehow was forwarder to another website when I clicked on the hotel 's website through some sort of browser manipulation. 
This was unknown to me at the time. I was shown the price of the room ( on the identical webpage as the actual hotel ). I selected and clicked reserve. I was somehow then charged hundreds of additional dollars in fees over the amount shown on the screen in an email conformation from a stie I never heard of, nor did I think I did business with. 
I immediately called the number on the email and stated my dismay and concern and was told I could immediately cancel and not be charged since it was still " pending ''. 
I rebooked the exact same room moments later, this time with Amex travel services since I did not know what was going on or how this happened and thought my browser may have been compromised. 
I consequently paid twice for the exact same stay, as the spoof website kept the money and did not reverse the charge. 
I called AMEX to explain but the company sent in a response that it is the hotels policy to keep the money and there are no cancellations. 
The actual hotel reports receiving NO money, deposit or initial reservation, as I stayed in the hotel anyway through Amex travel services on the same nights and selected room and inquired upon check in since I was told I could cancel and have the charge reversed from pending to decline. 
Upon informing AMEX of the situation after receiving my monthly statement the scam travel website is now stating it paid the money to the hotel and does not have it. 
I would have never paid for the same room twice. What person would not have absorbed the extra fees as a result of the mistake instead of paying double for the same room??? I was not assured I could cancel at no charge, yet the company is now disputing and not handing over the tape of the conversation. The charge for the rebook was only done 4 or 5 minutes after the first one. 
Seems there is NO CUSTOMER service department to speak to me FROM THE FAKE TRAVEL SITE but one apparently is disputing the chargeback! 
THE CHARGE EVEN APPEARS ON MY CREDIT CARD STATEMENT AS THE ACTUAL HOTEL!!!! How is this legal??? 
There is no receipt of the money being sent to the real hotel either. What kind of company is this? The online reviews all state the exact same thing. All the people say they clicked on the real website but were somehow sent to this one and overcharged, told they could cancel for free, then charged anyway with no hope of a refund. HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite Wells Fargo being told countless times that my Step Father XXXX XXXX hasnt been seen or heard from and do not reside at this address they continue to harass me and calls here for him anyway and this evening someone name XXXX called here from XXXX XXXX XXXX demanding to speak with XXXX XXXX and when I stated that he does live here she rudely hung up the phone. Now Im getting sick and tired of Wells Fargos XXXX because despite them already being notified of legal representation they keeps beating around the bush trying to set me up
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan is late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.
Product: Debt collection

OnXX/XX/2021 A collections was submitted on my XXXX credit, as well as XXXX & XXXX from LVNV Funding for XXXX. Never heard of them. I disputed debt thru XXXX account XX/XX/2021. Requested to Produce & Validate the debt with a original contract with their Company heading & my signature on it. No validation was produced. Instead LVNV Funding updated the debt of XXXX as an active account with monthly installments on my XXXX Credit report. Also checked XXXX & XXXXXXXX. I dont have an account or any business with LVNV Funding llc XXXX 
2.I responded with a dispute thru XXXX account and asked LVNV Funding to remove the false account along with 15USC1681 for reference. The false information is still on my credit report. 
I am trying to refinance my home. The false credit reporting is hurting me from refinancing.
Product: Vehicle loan or lease

XX/XX/year> i contacted chrysler capital to let them know that i can not pay {$1200.00} a month any further. I recently had a major XXXX and was out of work. Even if they were to lower the payments to $ XXXX {$800.00} i could afford it. But they refused. I feel its unfair and not business like to at least work with me
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary 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  - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I rented a car from XXXX in XXXX. This was under XXXX  XXXX. The amount debited from my checking account was XXXX. This charge is VALID but relevant, as it is a charge for the car rental for the XXXX XXXX. 

The company ( XXXX ) then charged an ADDITIONAL XXXX. This was charged over 3 months after the rental. Of course it was checked out and there was no damage. 

The above amount ( XXXX ) was charged for the exact same car, rental period, name, miles driven, everything, as the amount that was already charged ( XXXX ). 

I have attempted to contest this charge with Chase because it is ILLEGAL AND FRAUD. 

Chase did not investigate the vendor to be at fault. How is that possible? They charged twice for the same rental. There was no upgrade. There was no insurance I took out. This was, again, 3 months after I paid for the car, returned it, and there was no issue with damage or any reason there should have been any secondary charges. 

This fraud/incorrect billing was NOT investigated by Chase. This is my last attempt the receive the stolen XXXX from Chase as the vendor will not cooperate. 

My next step will be civil action for breach of terms with Chase and for upholding and even encouraging fraudulent charges to my account by foreign vendors who charged twice for the exact same rental and product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX would like to clarify that he does not contest the validity of the accounts under discussion. However, we do question their current status due to the unfortunate circumstances stemming from identity theft that XXXX XXXX has experienced. We request the removal of the accounts in question and either their closure or settlement, as these accounts have been subject to numerous unauthorized charges and transactions. Thank you for your attention to this matter. 
XXXXXXXX XXXX
Product: Bank account or service

When I logged into Bank of America Online Banking yesterday ( XXXX XXXX 2015 ), My checking account 's " Available balance ( as of today ) '' in the Account Summary showed a positive amount of {$250.00}. The same " available balance '' is represented in the " All Activities '' section of the Online Banking webpage. After I made a {$50.00} online transfer, my available balance remained positive at {$200.00}. At the end of day, my " available balance '' was {$190.00}. Including all pending transactions, my " available balance '' was still positive at {$40.00}. Today, XXXX XXXX 2015, I see an " overdraft '' fee of {$35.00} in my transactions, and my " available balance '' is not {$5.00}. When I call the bank to find out why they charged me an " overdraft '' fee, the representative claims that my " available balance '' went negative and directs me to the " Account Balance History '' section of the page. 

This " Available Balance History '' shows that, at Close of Business on XXXX XXXX, my " Available Balance History '' was negative by {$12.00} and the bank charged me a {$35.00} fee. The " Available Balance History '' also shows that it is the {$50.00} online transfer that took my account into a negative territory. However, when I made that transfer, my " Available Balance '' ( shown here as " $ Statement Balance '' ) was {$250.00}. This " Available Balance History '' is only available on the next day and does not show all transactions until the end of the day. Meaning that as of today ( XXXX XXXX ), I can only access the " Available Balance History '' showing my " Ending Balance - XXXX/XXXX/2015 ''. Therefore, I could not have the information that my account was overdrawn when I made the {$50.00} transfer yesterday. I was misled by the bank to see that the other " available balance '' was sufficient for the transaction. Why would they then charge me an overdraft fee when the information available at the time showed that my account had sufficient money?
Product: Credit reporting or other personal consumer reports

XXXXGLBA FTC SAFEGUARD NON-COMPLIANCE* I am filing a complaint against this company for violating the Gramm-Leach-Bliley Act ( GLBA ). The company has failed to meet critical compliance requirements, including : Providing the necessary privacy notices that explain their information-sharing practices.

Offering an opt-out mechanism to prevent the sharing of my personal information with nonaffiliated third parties.

Ensuring adequate protections for my personal and financial data, as outlined in the GLBA 's Safeguards Rule.

Implementing effective identity verification procedures, which raises concerns about potential pretexting. 
I request immediate steps be taken to halt any unauthorized sharing of my personal data. I also require a full account of how my information has been used and evidence of the companys compliance with the GLBA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number ending in # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are showing the XXXX  partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting on my credit report.
Product: Debt collection

I have been sending letters to XXXX XXXX since I found out about the opened credit line with them. I did NOT authorize this credit line to be opened. My identification was stolen along with my social security card. I dont live on the address from those statements. Additionally, my name is XXXX XXXX XXXX NOT XXXX XXXX. Nevertheless, I recommend that you remove the fraudulent account from my credit report!!!! If I dont get the account removed ... .Im gon na take legal actions against Portfolio Recovery for harrasing me and attempting to collect a debt that DOES NOT BELONGS TO ME. Lastly, XXXX XXXX broke the contract by selling the debt to a third party ; therefore account is not valid and not contract was made with Portfolio Recovery.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS # XXXX XXXX XXXXback in XXXX I was XXXX  on XX/XX/XXXX I had a beginning balance of that I don't know what was I don't have the account number from that time until the account was closed in the summer of XXXX I had no activity in the account because I was in XXXX XXXX until XXXX I notified the bank in XXXX that I was in XXXX and they told me that I owe them {$510.00} for a bounced check in Missouri and I told him that any activity during the time I was XXXX  and a time that was close the account was closed on a bounced check in Missouri was all a somebody else doing not me because I was in XXXX I told him don't that it was be under criminal  investigation so I hope they have all their the files on it they won't give me any information on my account at all they won't give me the account number I have all the information from social security on what was deposited into the account I have a letter stating when I was in XXXX  and XXXX  and I have a run around letter from Bank of America where they won't give me any information it's under criminal  investigation right now so if they destroyed any of the evidence they destroyed evidence in a criminal   investigation they had a copy of my ID so nobody else should have been able to take anything out with an ID because it wasn't me now I can't get the I can't get Bank of America to send me any information on when all the 30 proximately {$34000.00} that was taken out of my account while I was in XXXX  and XXXX and it's in the bounced check they keep putting fraudulent information out on the checking 's system in my credit so that's why are frog so they are committing crimes against me right now
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : XXXX, XXXX, and Equifax. 

I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing. 

Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future. 

I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I XXXX  how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't mine.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/year> I submitted a request to equifax to provide information about some personal information listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
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 XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$79000.00} 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, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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