23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> 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 generallf, 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 card or prepaid card

Booked {$130.00} for hotel XX/XX/XXXX for one night stay in XXXX, XXXX via XXXX. Upon checkin late night on XX/XX/XXXX, we came to discover the hotel was ambushed by rioting gangs who were harassing lobby guests through the windows. Hotel stated this was the XXXX night of riots and never notified, cancelled or rebooked to another hotel or facility. Upon arrival, the front door was kept locked and toweled at the bottom to prevent tear gas from coming, albeit unsuccessfully. Smoke was omnipresent in hallways and rooms, including our room. Leaving the hotel amidst riots was not a viable option. We asked the receptionist to turn the AC on so that we can vent some of the smell out : he told us he didn't know how to turn on the AC. Around XXXX XXXX in the morning, the fire alarm came on due to excessive smoke. All guests were evacuated down to the lobby. Fire alarm was deactivated without calling the fire department or checking the area of the hotel that triggered the fire alarm. If an actual fire happened later, we would have been burnt alive in our sleep, because the alarm system was kept off for the rest of the night. Hotel clearly chose revenue over safety during the week of the riots, and knowingly kept accepting reservations inside its toxic smoke-filled rooms. The following morning, the manager was sympathetic but relentless in giving up not even a penny of refund back.
Product: Bank account or service

Third party escrow company collected my money for attorneys fees, legal fees, admin fees prior to any of my debt being resolved with a credit card company,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report due to identity theft. I am a victim of a recent data breach, and I believe the following accounts and inquiries were fraudulently added to my credit file without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take immediate action to block and delete these items from my report to prevent further damage to my credit and financial well-being.

Accounts to Be Blocked and Deleted XXXX XXXX Account Number : XXXX - Opened : XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XXXX - Balance : {$0.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX - Opened : XXXX - Balance : {$0.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX - Opened : XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX - Opened : XXXX XXXX - Balance : {$0.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX - Opened : XXXX XXXX - Balance : {$0.00} Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX Inquiry Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed XXXX XXXX loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and XXXX XXXX. XXXX said I had a XXXX   balance, and I was not attached. All three credit bureaus said that XXXX told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.
Product: Debt collection

The company claims that i owe {$4100.00} dollars to alleged apartment property complex with no financial proof. The company put this alleged debt on my credit report and is currently damaging my credit.
Product: Money transfer, virtual currency, or money service

A XXXX $ was sent without my consent to someone from my cashapp. Right after this happened I tried to cancel or refund the money and cashapp did not have either option so I reported this transaction. I am livid and hope you can help me, because from what I have heard, cashapp does not seem to care when it comes to helping people get their money refunded
Product: Credit card

Case number XXXX XXXX XXXX billed on XX/XX/2023 for {$610.00}. 

Disputing {$500.00} since I didn't get receive the retouch service and the service promised on the date of contract or purchase. 

I received a letter saying One Capital has received your response to this request, it lacks all of the previously requested information needed to validate your claim on XX/XX/XXXX. 

Next day, I called them and asked what information they needed for dispute because it was not clear and last dispute I didn't have any problems. 

They told me to submit another statement and highlighted the contract part saying that retouch should be provided. 

Next day, I submitted my statement and the highlighted contract again.

Then, a few days later, I received a letter saying I submitted the dispute too late, after 2 billing cycles. I submitted my dispute before 2 billing cycles ended. So, this statement is incorrect and they took 2 weeks to send me a letter for my response. If one capital responded to my original dispute in XXXX quickly, I dont think we had a timeline problem. 

Therefore, I would like One Capital to refund my money.
Product: Mortgage

What happened was that we were refinancing our current home mortgage with loancare with this other mortgage loan company called XXXX, and they advised me that they would be taking care of my XX/XX/XXXX payment when the closing took place on XX/XX/XXXX. I received a call from the loan officer that day stating that they put on hold until the XXXX due to recent state restrictions because of covid. On this day I received another call from them to say that they were putting a hold to the loan until the restrictions in NJ were lifted due to the pandemic because my husband job was closed due to the state shutdown, I then proceeded to contact Loancare about my XXXX payment. The XXXX payment was not made until XX/XX/XXXX due to me trying to contact a supervisor from XX/XX/XXXX to the XXXX since staff was limited due to covid. I spoke with several reps who instructed me to speak with a supervisor so that no late fees occurred or bad reporting due to the other lender putting the loan on hold due to Covid19. I do not feel like this is an accurate reflection of my credit history or my relationship with Loancare. I have called their credit reporting department and send emails with no luck or resolution. If you were to review my credit history, you would see this is the only late payment I have ever had. I have put in disputes with the XXXX credit reporting agencies with no luck as well. Transunion suggested that I reach out to consumer finance for further help. This situation was beyond my control please, I need help covid affected us so much and I can't refinance my home because this " one '' payment is hurting me so much. Other lenders can help me refinance because they state i have to wait 6-8 months and make payments on time. That was the only payment that was ever late since I purchased my home in XXXX of XXXX all of my payments even during the shut down were on time and two weeks early. Please help me with this situation that was beyond my control.
Product: Credit card

On XX/XX/XXXX, I was charged {$2500.00} and {$4500.00} from a merchant called XXXX  XXXX XXXX. I had my physical card so it had to have been charged through manual entry. I did not see the charges until the following day and immediately called American Express at XXXX on XX/XX/XXXXXXXX  to figure out the best course of action. I understood it to be filing a dispute on the charges so that is the action I took. I also attempted to contact the merchant, but there is no contact information on their website and the contact information I was able to access through the AMEX app was directly to North Carolina XXXX XXXX XXXX, and not the merchant. I live far from North Carolina. I asked the customer representatives of AMEX if I needed to provide anything and they told me there was nothing I needed to do besides to wait to hear from them. After filing the dispute, I was given a credit for the amount and American Express closed the dispute. On XX/XX/XXXX, American Express reopened the dispute and charged me for both transactions. I did not see this until the night of XX/XX/XXXX when I received a message that I spent over my {$8000.00} credit limit, something I never get close to. I called American Express at XXXX on XX/XX/XXXX and spoke to a representative. At this point, they informed me that the merchant provided documents showing that I purchased the product and used it, and that I need to reopen the dispute and provide documentation. At this time, I felt misguided because I could have provided documentation from the beginning, but was told there was nothing I needed to do other than filing the dispute. I then looked deeper into everything and found documents. I made a purchase from XXXX  XXXX XXXX  back in XX/XX/XXXXXXXX  which I assume is how they were able to access all of my information and use it to make it look like I made another purchase. I provided all documentation showing this and that I had no access to the alleged products the merchant claimed I used. One of the documents included one of the merchants products being nothing other than posts about XXXX XXXX and links to scams. After this, American Express is still siding with the merchant and claiming I am responsible for the charges. I escalated the issue to the fraud department on XX/XX/XXXX which seems to be what I should have done from the start. That is still in process.
Product: Credit card or prepaid card

Applied for CC on XXXX ( XXXX XXXX ) Website about XX/XX/XXXX which offered XXXX Starpoints after spending {$3000.00} within 3 months. Approved for offer, but never rec 'd CC. Called Customer service said would send CC right out, but after 2 weeks never rec 'd card for another week so called back & CS rep said will send XXXX, next day rec 'd card along with another card by post office. I used first card, but soon found would n't accept charges. So I used other card which did. When I rec 'd second bill, I called to see if I met requirements & when was I getting XXXX Starpoints. Rep said my card was n't eligible for points. At this point, I spent over {$4000.00}. 
In my opinion, they mislead the program especially after approving my application. They never called me about not giving points or the CC I was using being ineligible. I was approved & after meeting the requirements for spending money I should be given my XXXX points. Switching my card w/o telling me should be some sort of violation i.e. fraud. 
The Financial organization handling the transaction was AMEX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing things diligently with Equifax over and over. 
I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs. 
They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now Equifax have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way. 
These accounts in question are : XXXX XXXX XXXX ( formerly XXXX XXXX ) -- --  that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing. 

XXXX  ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with XXXX and reinserted under a different name to Equifax . 

XXXX XXXXXXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name. 

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain. 

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone. 
My last phone call with Equifax lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts. 
THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.
Product: Credit card

i started getting collection notice from this Midland Credit Mangement. i contacted them and the XXXX person i talked seemed to know where i was coming from but i was not aloud or let talk to him anymore. i have told them contless times this is not mine. it has my information but it is not my debt. i have never heard of XXXX XXXXXXXX XXXX XXXXXXXX. I asked for a copy of all transaction and where it was paid from and opened but all i got was a statment.
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 attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within XXXX business days. 

The following information on my credit report is the result of identity theft or fraud and should be blocked : XXXX - XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of XXXX year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted EXPERIAN several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required XXXX period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date open : XXXX  There is a loan made in my account that appears on my experian credit file. I already contacted them they told me to report to Consumer Financial Protection. This cause my credit score to drop extremely. 

XXXX Date open : XX/XX/2033 This inquiry has also cause my credit score to drop. It was not made by me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Incorrect Name XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Charge Off XXXX XXXX  XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX XXXX XXXX I XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$25000.00} Date Open : XX/XX/XXXX XXXX  XXXX  XXXX {$630.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$2600.00} Date Open : XX/XX/XXXX XXXX  XXXX {$930.00} Date Open : XX/XX/XXXX Collection XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2400.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX {$150.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$160.00} Date Open : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$220.00} Date Open : XX/XX/XXXX XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX {$680.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XXXX Open : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Date of inquiry : XX/XX/202XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/2021
Product: Debt collection

I am getting constant and repeated missed calls to my phone. in XX/XX/2021 I recieved 24 calls from this company around the XXXX o'clock XXXX  hour. On XX/XX/2021 I recieved 9 calls around the XXXX hour. on XX/XX/2021 I received 26 calls around the XXXX XXXX hour, and 3 more around the XXXX hour. these calls came in and immediately dissconnected then recalled resulting in a stack of missed calls.
Product: Credit card or prepaid card

I have purchased an airline ticket from XXXX XXXX in XX/XX/2020 and charged it to my credit card issued by Capital One Bank. 
The charge is from XXXX in the amount XXXX charged to my account on XX/XX/2020. 

XXXX cancelled my flight, but refuses to refund my money. 

I have contacted XXXX several times, but they have refused to refund my money, I then contacted my credit card issuer, Capital One Bank several times by mail and phone, but the bank have refused to accept my dispute. 
The bank has treated me in an arrogant and demeaning manner and with XXXX prejudice towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had two XXXX and applied for social security when I turned XXXX. When I turned XXXX, I needed to confirm my SS account to obtain a copy of my XXXX card, and went to the XXXX website. I was asked about two loans that I did not recognize, 1 ) a bank/auto loan from XX/XX/XXXX, and 2 ) a bank/auto loan from XX/XX/XXXX. 
I have requested a mailed copy of my credit report from Experian, but am concerned there has been fraudulent activity ( by a neighbor upon his release from prison ) using my social security number that is now showing on my credit report.