23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a reservation through XXXX XXXX XXXX XXXX for the dates of XX/XX/XXXX to XX/XX/XXXX. My flight was delayed therefore I arrived at the XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX. Upon arrival I was met with a letter on the door stating the water would be shut off for two days during the reservation, after entering the XXXX XXXX XXXX XXXX I was flabbergasted and appalled by what I discovered. The property looked NOTHNG like the pictures, there was mounds of dust and soot on the fans around the AC, food stains on table and counter, drinks and food dried up in the fridge, hair on the linens, dryer open with towels hanging out and hair, paint chipping on every wall, XXXX marks, XXXX stains on the walls, the bathrooms had hair, crusty shower heads, the place hadnt been cleaned in MONTHS! I had my newborn baby with me. I immediately contacted XXXX XXXX XXXX XXXX and advised I would be leaving as soon as I booked my hotel, and the reservation is accommodated. I left the XXXX XXXX XXXX XXXX at XXXX XX/XX/XXXX. 

I attempted serval times to contact the Host of the XXXX XXXX XXXX XXXX to request a refund. The host never responded. I contacted XXXX XXXX XXXX XXXX they kept saying they were investigating. I sent pictures. Documentation I left. Air B XXXX B then claimed they would give me some money back and the rest would come from the host. I received XXXX credits from XXXX b XXXX B however the reservation cost is XXXX. After no response from host or XXXX XXXX XXXX XXXX I contact Navy Federal. Credit Union. I provided the documentation as well as proof I got hotel the same day.

Navy federal credited the money back to me. Sent me a letter stating they were still investigating the claim for XXXX. Then they came back and add the money back to my account. Stating they did all they could do to resolve the issues, and they could do nothing else. 

I contact XXXX XXXX XXXX XXXX, and they are stating the bank initiated a charge back so now it on the bank. 

I called Navy Federal the stated they just needed additional information I logged into the portal to upload, and the system said I had no claim When I messaged Navy Federal, they stated again they could do nothing, I was given the wrong information my the representative and there is nothing they can do The bank holds my money, and they are running me around in circles, lying, and not protecting me as a consumer. 

I want Navy Federal held accountable for not doing their due diligence to return my money to me after I was scammed. I also want my money back since I was unable to use the reservation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 1681B ( 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.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax XXXX XXXX and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following : ( List all accounts and inquiries to be removed )
Product: Credit card or prepaid card

I have received six phone calls in a couple of hours from five different numbers all claiming to be XXXX in regards to a {$720.00} dollar purchase in XXXX, Ohio that I have NOT made. I called the XXXX store and they claim NO calls have been made by them and they do NOT call. I never answered the calls for I figured they were fraud. 
The numbers are as follows : XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX And XXXX at XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was offered to use XXXX XXXX to pay for an emergency veterinary visit. The amount was minimal, so when I tried to pay it off the next month, the system only allowed me to make a set payment of {$2.00} per month and to be paid with a credit card, not my debit card or checking account. I did this because I didn't have the patience or time to call customer service. I figured, how is this going to hurt my credit...? Finally, I decided to close the account once and for all, so I called customer service, and I felt the rep on the phone was stalling me and purposely did not want me to close the account. Now I think it is evident that this company deliberately wants to put derogatory occurrences, such as 'lates ' on my credit report to lower my score.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, i wrote to Nordstrom in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/2018. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported CO which credit bureaus refer as CHARGED OFF. An account can only charge off 1 time. The reporting of CO after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with NORDSTROM. Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent the company several letters to update my personal information, as well as to dispute fraudulent accounts. The company did block some of the accounts i requested but not all, and allowed a creditor to run my info without consent. I sent in certified mail, notarized, with a FTC affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Trans Union on XX/XX/XXXX. I noticed two Fraudulent Inquiries on my Credit Report. They refused to help me at all. 

1. XXXX  XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX Please have these two inquiries removed immediately!
Product: Checking or savings account

Capital One offered a higher interest rate on their savings account to get me to open an account then lowered it once my account was opened.
Product: Debt collection

I received through my credit monitoring an alert that a collection was added to my credit report. I sent a validation letter to make sure that this was my debt. I called XXXX XXXX and they acknowledge that they did, in fact, receive my payment and that it was deposited. I verified this but this collection agency will not remove. In fact, they updated this in XX/XX/XXXX as owed debt {$110.00} as retaliation and showing still owing the debt hurting my credit score on all 3 credit agency 's ; this has impacted my perfect credit score. This check was sent in and paid, the medical office misplaced this and deposited it on XX/XX/2019. XXXX XXXX XXXX illegally, misleading information and illegally filed collections when it was already paid.
Product: Checking or savings account

They said respond threw here this is their intent everything that was transfered to my account my I gave them power attorney of my living soul man which I have authority of my account they have not up held their obligation. But everything in escrow I'm an entitlement holder so I didn't see any benefit from m y application. So I need everything that was transfered on their books I gave value granting value assets I need my benefit not shutting account I would like the their records
Product: Debt collection

You are reporting inaccurate information on my consumer report. I am requesting a original signed agreement with my wet signature. The bill you sent is NOT a signed agreement. I am requesting a wet signature from your company. I have no idea who you are and I NEVER agreed to anything. The open date per your company is listed as XX/XX/year>, per the information attached showed the account was open XXXX XXXXthis information is INACCURATE! PLEASE REMOVE this account! My information was shared with a third party without my consent. Per 1692c- you have violated my rights by in lawful communications. Please VALIDATE not VERIFY that I am legally responsible for paying you.
Product: Debt collection

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection. 
I, XXXX XXXX, Consumer, dated on XX/XX/2022 am putting Resurgent Receivables LLC on notice to cease and desist all communications with me. 

Also, I am fining Resurgent Receivables LLC for {$5000.00} pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

Resurgent Receivables LLC has violated my consumer rights and you are on notice as of XX/XX/2022 and will be invoiced for each violation according to federal law 15 U.S. Code 1692k - Civil liability. 

Also let XXXX know, pursuant 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
Because it is sufficient evident, Resurgent Receivables are attempting to collect an alleged debt of extension of credit by extortion means. 

Thank you, and best regards!
Product: Credit reporting or other personal consumer reports

Experian denied my dispute to remove the derogatory account from Applied Card bank. The account was closed over 10 years ago. The dispute was initiated on three separate occasions.
Product: Mortgage

Purchased my home in 2007, My loan was first with First franklin then first franklin sold my loan to Bank of America I tried with both companies to do a loan modification 11.7 % interest rate, at the time XXXX was the company Bank of America had doing loan modifications each time I would send my paper work in they kept saying they did n't get my modifications even when I went to Bank of Americas bank branch to have the paper work faxed four times in four months, I even took the modification paper work to XXXX sent them to Bank of America.
I am a XXXX XXXX  and I believe I am Victim of predatory leading practices
Product: Credit reporting or other personal consumer reports

Per my previous case XXXX XXXX. The creditor stated that this account was last reported on XX/XX/XXXX. That statement is incorrect all three Consumer Credit reporting agencies are currently reporting this account, with different statuses and balance updates for XX/XX/XXXX and XX/XX/XXXX. So the letter that was submitted to CFPB in XX/XX/XXXX was fraudulent with regards to how the creditor was reporting this account. 
In XX/XX/XXXX, a XXXX was issued to this account. A 1099-C is considered income per the IRS and will need to be filed as income for my taxes.

Income is not reported as credit to the consumer credit reporting agencies. Also the creditor sold my information to a third-party debt collector that debt collector was demanding payment for more than double the amount originally owed this situation was resolved in my previous case mention above. 
Also stated in the letter by the creditor that any payment you choose to send is voluntary and or nonrefundable. There are no payments due to the creditor due to the 1099-C this creditor has already received credit per the IRS for this account.
Product: Credit reporting or other personal consumer reports

I initially made a dispute, but then I realized that the payment was accurate. However, I did want to explain the circumstances surrounding the late payment. I have a XXXX XXXX and have to take a XXXX XXXX to treat it. Starting in the summer of this year, the XXXX went on a nationwide shortage that can be tracked according to the XXXX. Without my medication to treat my XXXX, I was unable to keep track of my expenses diligently. I spent much of my time communicating with providers, XXXX and insurance. I would like to ask for removal of this late payment due to extenuating medical circumstances that prevented me from making payment on time. Aside from that late payment, I am completely current across all payments and accounts.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and saw some inquires I do not recognize : Wells Fargo Auto, XXXX XXXX XXXX  XXXX and XXXX XXXX. I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, the following Accounts Have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX I received a letter from XXXX that said they have deleted a bankruptcy that they previously reported. I contacted experian and XXXX of this deletion letter and submitted a copy of the letter asking them for verication on XXXX XXXX. I also sent them a letter sent from the burueas stating XXXX is where they verified this information. along with a copy of the deletion letter from XXXX. Experian sent out response. Stating the item will remain. XXXX XXXX has yet to respond. I asked for both burueas to verfiy this item.
Product: Credit card or prepaid card

I paid a merchant for a service which was not provided ( XX/XX/XXXX ), but more damage created. Original service was for ~ {$500.00}. After " repairs '' I was facing ~ {$1400.00} in repairs, after 2 other opinions. I filed a dispute with BOA ( XX/XX/XXXX ) and supplied all required documentation to dispute charges. BOA refused to contact merchant and gave a list of excuses why they would not process the dispute ( 2nd opinion not on letter head- I had 2 second opinions 1 quote one paid invoice ), they were not signed ( they were typed on company invoices with technician name and company info ), they did not have cause for damages ( quote and invoice specifically describe what was wrong and how it created additional damage ), merchant was not described in second opinion ( quote stated " previously repair was done incorrectly and caused " parts '' to sieze up damaging " parts '' and requiring " parts '' replacement. Quote was same day and 28 days after merchant " repairs ). BOA refuses to help settle ~ {$500.00} disputed charges and failed to reply within 30 period stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on my report from the XXXX XXXX XXXX. XXXX   has remove this account from my report. I have requested this account be removed because I have never had a " loan '' with this company or had a " charge off '' with the XXXX XXXX XXXX. I have requested a Section ( 609 ) of the Fair Credit Reporting Act investigation and the credit bureau has NOT met the requirements of my requestion. Please sanction XXXX  and TransUnion for NOT responding to my dispute request in accordance with Section ( 609 ) of the Fair Credit Reporting Act. 

My SSN is XXXX and my DOB is XX/XX/1963.
Product: Credit reporting or other personal consumer reports

I asked XXXX and Equifax and transunion to verify this debt and I reported that the debt was not valid or my debt. That there were inaccuracy with these debts. They have not provided me with any documentation on how they investigated them. I explained the law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Until these debts are validated I asked them to be removed..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting. Everything has to be 100 % accurate on my credit report. The credit bureaus states my account was properly investigated but how is that possible if the open date is inaccurate the last active is inaccurate, the remarks are not the same, Times is inaccurate aacount number is inaccurate two different account numbers. This is grounds for removal they also violated my rights under 15 USC 1682 Section 602 A States I have a right to privacy.

15 USC 1681 Section 604 Section A 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also my credit bureaus took more than 30 days to complete my investigation. 
XXXX XXXX Account Number : XXXX Account : XXXX Account are different
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX : {$120.00} XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX AV XXXX XXXX, VA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.