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

On XX/XX/2022 I XXXX searched for a hotel to make a reservation and and on the XXXX search produced a URL for XXXX near the top. 

I selected the URL thinking XXXX owned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I wanted to reserve a room for a week. 

At XXXX XXXX XXXX I booked a room at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a week using my Discover Credit Card. Upon completing the booking I noticed that a supplement charge of {$400.00} was added to the room cost, which surprised me. So I researched and learned that XXXX was not the owner or reservation agent for the XXXX XXXX XXXX, but was some independent internet based booking agent. And another XXXX search for " XXXX Scam '' returned hundreds of complaints for fraud. So I called XXXX and requested to cancel and I received a confirmation at XXXX eastern time the reservation was cancelled. 

Upon further review I found a paragraph at the bottom of the confirmation and cancellation that the reservation could only be cancelled for a full refund by XXXX on XX/XX/2022, which was the night before I made the reservation. So I was scammed. 

I booked the hotel room at the XXXX XXXX XXXX on XXXX XXXX directly and charged the room to my Discover Card. The total cost was {$400.00} less than what XXXX was charging. But now I have paid both charges because of the fraud and am out {$1200.00} to Discover Card. 

I immediately called Discover Card to stop the transaction, and Discover Charge advised me the charge had not posted and to call back when it did. When I received the next statement I explained the situation and Discover Card processed a dispute, but when XXXX sent in the internet confirmation, Discover Card resolved the dispute in the Merchant 's favor. I then called and placed another dispute with documentation. XXXX again sent in documentation and Discover Card has said to me that since Discover Card is a documentation based company, they have resolved this permanently in favor of XXXX 

The XXXX scam is littered over the internet and the scam can only be completed with the complicit assistance of credit card payors, in this case Discover Card. This is a big problem for consumers and Discover Card is not able to deal with the consumer protection aspect of this problem and it appears they are conflicted because it is the Merchants who pay the credit card fees.

Please look into this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Violation of comsumer rights - On XX/XX/XXXX I received notice of intention to repossess from dated XX/XX/XXXX. Mercedes Benz financial does not have the right to repossess my vehicle vin # XXXX. I sent notice to Mercedes on XX/XX/XXXX revoking their right to repossess attached here. I also did a certified search with the state of Georgia and there is no lien against my vehicle vin # XXXX certified copy attached here. According to Mercedes Benz Financial Prospectus document they are fully aware of the laws regarding the Uniform Commerical Code attached here. Futhermore they do not have the right to repossess because I have a lien against vehicle Mercedes benz XXXX and vin # XXXX filed in New York State Department of Uniform Commerical Code on XX/XX/XXXX. This lien is still active in thier system until XX/XX/XXXX, file # XXXX proof attached here.
Product: Credit card

I set up payment arrangements in the amount of {$50.00} a month. Basically the account rep did n't want to agree to that amount because in the last two months he has been authorizing payments to take everything in my account and when I spoke with him he told me since I owe the bank for the credit card they can take any amount from my account with no explanation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> - Went to XXXX XXXX XXXX, in XXXX XXXX Oregon, where I completed a loan application for a loan / prequalify for a mortgage. My loan officer was XXXX XXXX, she can be reached at ( XXXX ) XXXX. 


At or about XXXX PM, XXXX XXXX attempted to access my Equifax Credit Report, when she attempted this, Equifax displayed information indicating there was a freeze on my Equifax Report. She then asked me to call Equifax, so that we could proceed with the approval process. 


At or about XXXX PM, I spoke with an Equifax Credit Representative, who told me there was a freeze on my credit report. I explained that I had not put a freeze on my report, the representative was not sure how it got there, but said he would remove it immediately, asked me to have the banker to try again in a few minutes. 


She tried again at XXXX PM and then again on XX/XX/year>, my Equifax Credit Report still could not be accessed by the credit union. 


At XXXX : XXXX XXXX, once again contacted Equifax Credit and the representative told me that was credit report was frozen and that I needed to mail, a copy of my driver 's license and social security card to them prior to allowing 3rd party access to me Equifax Credit Report. 


This action by Equifax appears to be retaliatory for my previous complaint with CFPB # XXXX, dated XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Under 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 The accounts under the names of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions 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-2 ( 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: Debt collection

I received a text message from Phoenix Financial Services LLC as follows- Phoenix Financial Services LLC is a debt collector. 
Re : XXXX XXXX XXXX, XXXX. Account # XXXX Access our website here : www.phoenixfinancialsvcs.com Rights : phoenixfinancialsvcs.com/XXXX Text STOP to End I have no outstanding debts, do not click shady links, and research shows this to be a predatory company that should be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 2. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Dispute of Billing Error 15 U.S.C. 1666b I am writing to formally dispute a billing error on my credit card account, as provided for under the Fair Credit Billing Act, specifically 15 U.S.C. 1666b. My account number is XXXX Upon reviewing my recent billing statement dated [ Date of Statement ], I noticed the following discrepancies : : This charge of an inaccurate late payment dated [ XX/XX/XXXX ] was not authorized or is inaccurate because [ provide details about why the charge is incorrect, e.g., it was a duplicate charge, an incorrect amount, or an unauthorized transaction ]. 
I have enclosed copies of relevant documentation to support my claim, including [ list any documents you are including, such as previous statements, receipts, or correspondence ]. 

According to 15 U.S.C. 1666b, I am requesting that you investigate this matter and correct my account accordingly. I kindly ask that you provide a written response within the timeframe stipulated by law. 

Thank you for your attention to this matter. I look forward to your prompt response to resolve this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX Capio XXXX Flagged my credit profile and added a collection account. Not even 30 days later on XX/XX/XXXX Capio XXXX again flagged my account trying to reage it and make it seem as if it is a new account showing up. They did this in less than 30 days. ( Please see attachments ). This was after the initial account they had on my credit file was deleted, so the transferred it to another department ( stated on a recorded line ) Under Colorado law. Medical Bills are legally only collectible for six years. On a recorded line the representative said this debt was from XX/XX/XXXX. I asked him why didnt I receive a letter or anything saying I owed the debt and he said that the letter was sent to an old address ( stated on a recorded line ). So that means you knew the info was sent to an incorrect address but you still took it upon yourself to break the law and put this information in my credit file then try to reage it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute to have the current status updated on my U.S.DEPT OF EDUCATION LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States Dept of Education. 
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 a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Select Portfolio Servicing , inc, employee XXXX XXXX has threatened to seize Property at XXXX XXXX XXXX, XXXX, PA XXXX without cause. This company has also failed to validate any debt owed on the property. I XXXX XXXX, President of XXXX XXXX settled Debt and Civil claim of the Property with the original servicer XXXX, terms settled under the Mines and Minerals Act.
Product: Bank account or service

Placed a stop payment on a merchant. The stop payment did not stop the transaction and I understand it is not guaranteed. I then requested to dispute because it was unauthorized, the representative refused. The representative continue to communicate that it is not guaranteed.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I issued a notice to Experian to update information regarding this account. However, I recently received notification from Experian on XX/XX/2023, stating that the dispute was complete. Upon reviewing the outcome, it became evident that the instructions provided were not followed as per my clear and conspicuous guidance. 

Federal law expresses that EXPERIAN must have written consent from the consumer to furnish information to their credit report/profile.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Delete account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also please remove the following INQUIRY : XXXX XXXX XXXX, XX/XX/XXXX, from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Experian credit report on XX/XX/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 generally, 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.
Product: Credit reporting or other personal consumer reports

I failed identity theft years ago, and these companies that I have no knowledge of constantly keep running my credit that I have no knowledge of and I contact them and let them know that this identity theft, and they put me through a hassle just to dispute the transactions in Charge offs and I called all three credit bureaus to dispute these accounts and I got ta keep calling just for them to put the dispute through so I went from having XXXX credit score to XXXX starting from XXXX to now XXXX now I have XXXX unknown inquiries that I have no idea or knowledge of and its hard to get it off my account so Im trying to get my credit back in good standers like it was before
Product: Debt collection

Debt has been paid since XX/XX/XXXX but is still reporting to XXXX as unpaid and has only updated as I only paid {$1.00}. I have gotten in touch with company and they keep saying it should have updated. But the only update I have is a {$1.00} dollar decrease
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX BANK DELAWARE XXXX and XXXX XXXX CARD SER XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

Capio Partners , LLC has a collection on my credit report from XXXX XXXX XXXX of XXXX XXXX. The debt has long been paid in full ; however, XXXX XXXX still has the Collection on my credit report which is negatively impacting my credit and ability to purchase a home. I have contacted them and requested they remove the collection and was assured that they would ; however, they have failed to do so. My home lender is pulling another credit report in a few weeks so this collection - which has long been paid - needs to be removed ASAP.
Product: Credit reporting or other personal consumer reports

Hello, I recently received a copy of my credit report and I noticed an inquiry that I did not authorize and of which I do not have knowledge. Please be advised that by law no inquiry can be place on my credit report without my authorization. I am requesting that this inquiry be removed immediately from my credit report. I Remove the following unauthorized inquiries from my credit report : XXXX. XXXX  XXXX  XXXX : XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  I HAVE ATTACHED MY CREDIT REPORT THAT SHOW THE HIGHLIGHTED INQUIRES. PLEASE DELETE THESE UNAUTHORIZED INQUIRES!!!
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. 

Account Name : XXXX  : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$2600.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$8400.00} Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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-2 ( 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: Debt collection

We bought a time share 11 years ago and paid it off about 2 years ago. In the first 3 years we had constant communication with them either by phone or mail. If we were late in a payment or a change in their bi laws they had no problem getting a hold of us. 
In the past 7 years we have not received any bills or notice of a debt owed. This past XXXX we received a collection letter stating we owed XXXX for maintenance fees. I immediately called spoke to someone on the phone and then sent a letter asking for proof. 
Two weeks letter I received a letter from a lawyer with not a breakdown but a letter that I had a timeshare and added almost 600.00 in legal fees. It even states in his letter that a new company had taken over and had failed to notify us and others of this debt. 
How can this be allowed to allow a debt to go so long without notifying us and then demand it to be paid in full, request proof and then add another XXXX in legal fees. 
We have worked so hard to improve our credit paying our bills on time and now this. I feel they do this on purpose so consumers like us who ca n't pay the total up front that can add fees to make more money. Please help us solve this
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  / ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you