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

I would like to open a case regarding the following merchant : XXXX XXXX XXXX XXXX. Date of Transaction : XX/XX/2020. For an initial amount of {$780.00}. 

I made a reservation via XXXX for a reservation with this hotel for XXXX XXXX through XXXX XXXX ( file attached : Itinerary_ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I checked into this hotel the night of XX/XX/XXXX, approxiamtely at XXXX XXXX. Shortly after checking out, I went to the front desk and I left my keys with the front desk agent. I told him, that I will be checking out due to me feeling unsafe in the hotel. There were homeless, XXXX XXXX XXXX  and XXXX that was very evident. I was advised by the front desk staff that I needed to call XXXX to cancel the reservation because I made it directly with them. Also, the front desk attendant told me that he was waiving the one night room/tax penalty and apologized for the inconvenience. 

I got in my car and called XXXX to cancel the reservation and opened a case ( XXXX reference XXXX ). During my call, I was placed on hold and they call directly the hotel and talked to the front desk agent who in fact confirmed that I checked out of the hotel, and I was not responsible for the first night of room/tax penalty charge. At that moment the front desk staff said he was going to cancel the reservation, but no cancellation number was provided to me. As a gesture of a good faith with XXXX, I disconnected the call and waited for a refund to take place because at the moment of check in, the ran my credit card for {$780.00}. 

That same night I had to make a reservation for two nights with another hotel XXXX XXXX XXXX Seas ( file attached : Itinerary_XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, Checking in the same day I was supposed to stay at the other hotel which was XX/XX/2020. I extended my stay in this hotel directly with the hotel for more night ( file attached : Capital OneXXXX XXXX XXXX charges ). 

After a few days, I continued calling XXXX to check the status of my refund with no luck. I checked a refund for {$120.00} to my credit card. I immediately called the hotel why they only refunded portion of the total charges. The hotel stated I stayed in that hotel from XXXX XXXX through XX/XX/2020 which was a lie, as I spend my stay at the XXXX XXXX XXXX 

Starting XX/XX/2020 I started seeing random charges to my Capital One credit card with random values. There were a total of 22 fraudulent charges for a total of {$2100.00}. I had to cancel my credit card and got a new one. It has been a complete nightmare trying to sort this out. 

At this point, there is still {$660.00} pending to be refunded to my credit card and Capital One will not help me because I was not able to provide a cancellation number. I told them they can contact directly XXXX and pull the recording of their conversation with the hotel the night of XX/XX/2020 where the front desk staff confirmed I checked out of the hotel. 

This is my last chance of someone making this right. It is evident that this hotel engages in fraudulent activities with peoples credit cards. Should you have any questions. Please do not hesitate to contact me.
Product: Mortgage

I am unemployed and applied for the Keep Your Home CA program ; was a few days late with my XXXX 2015 paymt to BofA when the online payment system asked for a reason I told them I was working with KYHC. They started sending me home mod./foreclosure alternative paperwork via overnight XXXX and calling me daily and sending me letters requesting documents. I repeatedly notified them of the status and progress with KYHC and was even told at one point I would only be called one time per month for a status check. I am called at least weekly by " XXXX '' and asked the same questions. I received letters from her ; most recently one stating they will be receiving funds from KYHC, but she still calls me on XXXX/XXXX/15 wanting to know when they will receive XX/XX/XXXX Mortg. pymt. I am current! I have been current. I am current on my now second mortg.! She claims the letter is auto-generated ; has no clue what is being sent from her own organization ; calls and sends letters constantly ; I am current, they will get paid as always ; Bof A will never get my property ; why do n't they spend their money playing their precious employees to spend their time calling people who are behind? Or is all of America on time with their mortgage? I reached out to Bof A 3 years ago for assistance when I fell behind due to taxes owed ; since I was not underwater, they made my HELOC a second mortg, my fixed rate a 40 yr mortg. and now I can not refinance ; but I obtain help from KYHC and I can not get BofA to leave me alone. I am current and they will not stop calling and sending me letters, that is harassment! They had NOTHING for me when I needed their assistance, what possessed them to flood me with calls and modification paperwork once I informed I was working with KYHC? Less is more apparently. I will lean toward keeping them uninformed in the future. I have zero trust in the BofA. I can not wait to get on my feet soon with a job, repay KYHC what little I will owe them, sell this property, gain the equity I have in it and never again allow BofA to carry a home loan for me!
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft, please see attached documents
Product: Credit reporting or other personal consumer reports

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX  and with CFPB as well and they still have not corrected my report. And past reporting to credit. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

With that being said you cant report a charge off and current late payments on a credit report and this is clearly a violation of fair credit reporting. Thats like double damage to credit reporting on me in all credit agencies. I have been disputing this same is time and time again and this is causing a hassles for something that should be deleted because it violates the law of credit reporting by all agencies. And reporting a past due amount on an account that is charged off as well.
Product: Credit card

For the past 3 years my account has been routinely frozen, usually without them notifying me. This is because they tag recurring charges as fraud. I have called repeatedly to tell them to stop tagging suppliers I have been dealing with for 3 years, and they just keep on doing it. Nothing I say or do seems to help. Some of my suppliers have multiple charges on XXXX statement. They keep telling me the problem is fixed, but it is n't. I am tired of my suppliers calling and telling me my card wo n't go through. Yesterday, for the first time, my card was refused for a personal purchase at a food store. I was so horribly embarrassed. This has NEVER happened to me. Why? Because they froze my card and did n't tell me. The reason was, yet again, because of supposed fraud. But, it was just my regular suppliers they had tagged. When I called to complain, again, they claimed they had called me. When I told them they certainly did n't, they then said they had sent me a letter. Kidding right???? I asked to speak to a supervisor, who transferred me to the fraud dept. I spoke to a XXXX in the fraud dept. who was supposed to transfer me to someone higher up, but instead hung up on me. This has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the report for the Background check that my company does each year. My mother and I have the same first and last name so her credit items, name and addresses, shows up on my credit. I would like those items removed. She died in 2012. 

Her name is XXXX XXXX ( XXXX ) XXXX. 
A couple of addresses that I'd like removed as I have never lived in SC and did not live in XXXX, FL during the dates listed are : XXXX XXXX XXXX, XXXX, FL XXXX from XXXX AND XXXX XXXX  XXXX XXXX, XXXX, SC XXXX Thank you. 
XXXX XXXX ( formerly XXXX ) XXXX
Product: Credit card or prepaid card

I have dates, Times /Names. police report file day of fraud HAVE TIME DATE/ PERSONS CONTACTED at Citizens Bank credit card dept names dates & Time & phone # s from XXXX TECH team that originated the FRAUD from my XXXX XXXX XXXX Need physical form to complete & Send back certified mail I HAVE PAGES OF DATA SUPPORTING THIS CLAIM i WOULD LIKE TO SEND VIA CERTIFIED MAIL OR fax FORR ATTACHMET IN SUPPORT OF THIS VALID FRAUD CLAIM
Product: Credit reporting or other personal consumer reports

TransUinon continues to report and unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/2023. XXXX XXXX XXXX has informed me that they have requested twice that TransUnion delete the unauthorized inquiry. XXXX fail or refuse to remove the unauthorized inquiry date XX/XX/2023. This is my last attempt to have this unauthorized inquiry to be deleted before I file a case with the XXXX XXXX XXXX ( XXXX ). I have attached a copy of my consumer report showing the unauthorized inquiry.
Product: Checking or savings account

I applied for a small loan online, it ended up being fraudulent. They asked for my income date and apartment rent. I received a call at work from my landlord saying I havent paid and I reversed my payments from XX/XX/XXXX up until XX/XX/XXXX. I did not authorize these claims. I called the bank and told them the situation. When I spoke to BOA, they went back, canceled and return the money back to my landlord/merchant on XX/XX/XXXX. I am now in debt with the bank because of this fraudulent activity and now in jeopardy of losing my housing and my other expenses needed for daily life.
Product: Checking or savings account

How dare Bank of America send my {$69.00} payment back to XXXX XXXX XXXX overnight ( XX/XX/2022 ) and now jeopardizing my home warranty policy!!!!!!! When the bank ALLOWED a double XXXX transaction for {$210.00} to tie up my availability of funds because they didnt omit one of the erroneous holds!!!!!!!!!!! 
Thats some nerve and its transactions like this that makes financial institutions subject to CLASS ACTION suits!!!!!!!!
Product: Credit reporting

disputed incorect information that XXXX XXXX XXXX reported to the credit reporting agencies. 
disputes were sent to equifax and XXXX XXXX XXXX. 
XXXX XXXX XXXX replied by letter that the info that they provided was " accurate. 
this is a LIE.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Shortly after buying this vehicle I had to bring it in because the starter went out. Another repair was needed maybe two months later dealing with the motor. The heads were bad. While at the mechanic shop I discovered through the shop that my vehicle had been in one or more accidents because it was being held together with glue and zippy ties. I reported it to the finance who promised no previous damages and that I had full warranty. The vehicle has been giving me mechanical issues for two years. No help from the finance company all they want is payment. They attempted to take me to court and I told them I had all communications recorded between us and what they promised and they dropped the suit. I would like for this vehicle to be removed off my credit report and all funds used concerning this vehicle returned. The finance company name is CCM FINANCE. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted capital one several times due to my XXXX XXXX  being shut down due to Covid19 and understood interest and late fees would be waived during shutdown especially XXXX, where I live, however, they did charge interest and late fees several times and my credit went over the limit, lowering my credit score. I contacted capital one on XX/XX/XXXX and they stated there was a hardship program that would lower interest from 26 percent to 7.9 percent and I stated I would call back in XXXX if we were still on shut down, which we are. When I called back to make payment arrangements on hardship program I was informed that even though they informed me about this program they will not extend that offer to me, I keep asking why and they keep evading and stating it is not for me and there are no hardship programs for coronavirus income loss. I emailed the CEO of the company XXXX XXXX and president of retail XXXX XXXX for help and neither one responded. I have gone on XXXX  and XXXX and get the run around. They stated they can only remove one interest and late fee and extend the payment due one more month. I only qualify for {$180.00} weekly for pandemic unemployment for XXXX XXXXd weekly and can not pay over $ 300 month with that amount as I have rent, food, utilities, etc. I am offering to pay just need to modify interest and monthly amount. If my credit score continues to go down I will not be able to lease space when we finally open up in XXXX again as they do credit checks to lease fitness studio space. I am so upset that they informed me of the hardship program and then stated, but it is not for me. These are extreme circumstances we are all facing and especially hard in XXXX and no one could have anticipated this. I am willing to pay I just need some arrangement.
Product: Credit reporting or other personal consumer reports

Despite four previous attempts to rectify these issues directly with the credit bureaus and creditors, the fraudulent items remain uncorrected and continue to damage my creditworthiness. This letter marks my multiple attempts to resolve these issues, and I am in desperate need of your intervention.The continued presence of these fraudulent items on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute and correct inaccurate information. The persistent inaccuracies are causing significant harm to my financial standing, and I am prepared to take legal action if necessary. Please conduct a thorough investigation into this matter and facilitate the immediate removal of the fraudulent items from my credit report. I request written confirmation once the deletion have been made. Kindly help me remove the following items immediately : 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and XXXX XXXX XXXX, they have failed to investigate and have failed to provide me with any documentation.
Product: Credit card

I am a victim of identity theft. I have disputed this fraudulent account multiple times with Macy 's and have received no response with validation/verification of this debt. This account does not belong to me, and is not even in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report incorrect and inconsistent information to the credit bureau. I have disputed the account a few times and each time they come back with a different credit history : They information is consistent and all three credit bureau show different payment history
Product: Mortgage

I applied to increase my existing HELOC with PNC bank in XXXX. I currently owe them {$30000.00} on the existing account and I sought to raise it to {$300000.00} in order to purchase a new home and sell my current home. They appraised my home at {$680000.00}. I have a balance on my mortgage of {$52000.00}, thus I have a good amount of equity. I also have an investment account worth approximately {$650000.00}. I currently have {$25000.00} in my bank account with PNC which I have had since 1973. My credit rating is XXXX. I retired as an attorney in XXXX and am receiving social security. My husband is still working however because his name is not on the deed, I did not put his name on the application. 
Today, XX/XX/XXXX, I was notified that my application has been denied due to insufficient income and " excessive obligations in relation to income. '' Because my assets are well in excess of the financial obligation I sought, I believe this is discrimination due to age and related employment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a breakdown years ago, I was in a financial dilemma XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX son. As a result, XXXX of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I am requesting an update on account payment history or removal of account from my credit report due to inaccurate information. I do not understand how my account goes from showing as current in XXXX, XXXX and XXXX and then suddenly in XXXX of XXXX I am 90 days late. Wouldn't my student accounts have shown 30 and 60 days past due in XXXX and XXXX? The account then goes on to show no data on my XXXX, Transunion and XXXX for several months. I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX. Something is not adding up here. I am showing no data for XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX XXXX, XXXX - XX/XX/XXXX, and XXXX XX/XX/XXXX.