23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit reporting is reflecting a collection account in amount of {$290.00} from XXXX XXXX  from XXXX Ma. The phones numbers associated with business are not in service and no communication confirmed. This account was supposedly verified by Transunion which is false. I want the collection off my report I never received any communication from collection agency regarding this account as it is most likely not mine.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am seeking your assistance with a dispute involving XXXX XXXX and American Express. Here are the details of my case : Reservation and Cancellation : I made a reservation with XXXX XXXX for an event scheduled for XX/XX/year>. I later rescheduled the event to XX/XX/year>. In XX/XX/year>, I decided to cancel the reservation, doing so 30 days before the event as permitted by our contract. 

Contract Terms : According to the contract I signed, the cancellation policy allows for cancellations up to 30 days before the event. It also specifies that cancellations can not be made via voicemail but must be communicated by other means. 

Attempted Cancellation : I attempted to contact XXXX XXXX  by phone to cancel the reservation but was unable to reach anyone. Given the lack of response, I sent an email to cancel the event, as no other contact method was available. 

Vendors Actions : Despite my attempts to follow the cancellation procedure, XXXX XXXX ignored my request and charged me for the event. I made further attempts to resolve the issue by contacting them via phone and email, but they did not respond. 

Dispute with American Express : Due to the unauthorized charge, I filed a dispute with American Express, providing a copy of the signed contract as evidence. However, XXXX XXXX responded to the dispute with a falsified version of the contract, showing different cancellation terms and stating that cancellations must be made in person or through direct staff contact. 

XXXX  XXXX : Despite providing American Express with the original signed contract and other supporting evidence against the vendors falsified documents, American Express ruled in favor of XXXX XXXX. 

Given the discrepancies in the contract and the vendors refusal to respond, I am seeking your assistance in resolving this matter. I believe that both XXXX XXXX  actions and American Expresss handling of the dispute are unfair and unjust. Your intervention would be greatly appreciated to help address this issue and ensure a fair resolution. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation.
Product: Debt collection

UT XXXX XXXX CenterItemized Statements XXXX & XXXX Received XXXX/XXXX/XXXX, and Related PaymentsI received subject itemized statements for services rendered on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I paid all invoices received from UT XXXX. But they submitted bill for {$290.00} to Account Services Collections, and placed on my credit reports. 
Billed to my XXXX XXXX:XXXX {$3700.00} and paid {$3600.00}. 
Balance due : $ XXXX was billed and paid : {$72.00} - XXXX/XXXX/XXXX, $ XXXX XXXX/XXXX/XXXX, $ XXXX, $ XXXX XXXX/XXXX/XXXX, $ XXXX XXXX to my XXXX Insurance : XXXX/XXXX/XXXX {$2900.00} and paid $ XXXXBalance due : $ XXXXI was billled and paid {$420.00} - XXXXGrand Total Balance due : {$430.00} Grand Total Paid by me : {$700.00} Diff. {$270.00} due meAccording to your policy, the payment made on XXXX/XXXX/XXXX was charged at the time that the XXXX/XXXX/XXXX appointment was scheduled. As you can see, I was overbilled, and overpayment was made for these appointments in the amount of {$270.00}. Therefore, UT XXXX XXXX XXXX owes me {$270.00} for these overcharges. 
Please remove the collection of these bills, since I have paid all invoices as billed. Furthermore, please refund the amount overpaid. I am also notifying the Better Business Bureau and the Federal Trade Commission of these over billings. 
Sincerely, XXXX XXXX XXXX XXXX XXXXCc : XXXX Federal Trade Commission
Product: Credit reporting

I have asked the credit reporting agencies Experian, XXXX to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, Experian and XXXX are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will someone please help me get this resolved.
Product: Mortgage

I applied for a mortgage refinance in XX/XX/2020 through Quicken Loan 's Rocket Mortgage. The application process was very smooth and quick. We got an appraisal and were moving along quite rapidly to my delight. Then due to a deferred second lien on the home from a down payment grant when initially purchased the delays began. I then went back and forth with Quicken/Rocket numerous times trying to ensure i am not being over billed for what i owe. A reasonable consumer would not be able to understand what was happening and would very likely seen harm from this extremely terrible process. It wasn't until XX/XX/XXXX that we got to the closing table. At that time I am signing legal documents stating the amounts I, quicken and my current mortgage company agree are the amounts. It is now XX/XX/XXXX and my current mortgage has not been paid off causing me to make an additional payment when i was ensured that as long as closing was before XX/XX/XXXX i would not need to. More importantly i am presumably paying interest on 2 mortgages for 1 home. This is unacceptable and needs to be addressed. I am very sad that i continued with this company given the absolutely terrible experience i have had. Please work with them to make sure customers looking for a quick an easy process are not harmed by something hidden in the unknown.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It waldo states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for purpose. 

CFPB COMPLAINT
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts with XXXX in XX/XX/XXXX. Upon supposed completion of the investigation 2 accounts wer updated erroneously. I have called on XX/XX/XXXX asking them to correct this and the representative provided no assistance. XXXX is a closed and charged off account as of XX/XX/XXXX After investigating my report was updated to reflect charge off/late payments for multiple months all the way up to XX/XX/XXXX per FCRA section 623 a 1A and a1B this is illegal because I have informed them the information is incorrect and they are still reporting this information without correction. Also covered under FCRA 623 late payments and charge off are to be reported up to the date the account was closed and not after. XXXX XXXX is a closed and charged off account as of XX/XX/XXXX After investigating my report was updated to reflect charge off/late payment in XX/XX/XXXX per FCRA section 623 a 1A and a1B this is illegal because I have informed them the information is incorrect and they are still reporting this information without correction. Also covered under FCRA 623 late payments and charge off are to be reported up to the date the account was closed and not after. I also requested review of the account XXXX This account is not reporting accurately and has since been deleted from my reports with other credit bureaus but XXXX did nothing. 

There is also collection account for XXXX XXXX XXXX in which I have disputed because this is not my account and they have provided no validation that this account belongs to me whatsoever I have never had any contract nor agreement with this company and they have not been given my permission to report anything whatsoever. Ive asked that this be removed and it still has not been removed.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent letters to XXXX, XXXX, and TransUnion For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from XXXX, TransUnion, or XXXX on these matters.
Product: Credit card or prepaid card

I have attempted repeated times to request that this creditor remove me from their account files as they have accounts that were opened in my name due to iden

tity theft and without my knowledge or authorization. I have made every effort to get their assistance and they have refused. These accounts were opened while I was in college. I had no employment and did not live in the city that the accounts were listed as. I never resided at such address. I have provided a copy of the FTC Identity Theft Report to the creditor and the credit reporting agencies. While FCRA Section 605B requires them to remove the account records or block their reporting, they have not done so and are in violation of federal law.
Product: Credit reporting or other personal consumer reports

I have previously disputed the alleged public record with you and still have not deleted from my consumer file. The alleged public record you are reporting concerning me is inaccurate and also unverifiable by you. 

I have contacted the court on record listed on your report, XXXX, AND XXXX XXXX XXXX  They all have advised that they neither provide or verify court records to you all nor any other third party. My consumer file with XXXX does not show any bankruptcy, because there is none. Please see the attached. 

According to Federal Rules of Bankruptcy Procedures- Rule 9037. Privacy Protection For Filings Made with the Court only certain information are listed which may include the last four digits of the social security number, the year of the individuals birth, the last four digits of the financial-account number. 

Therefore, you could have not possibly verified and I request that you delete the alleged public record and send me an updated copy of my consumer credit report. In addition, I was denied credit due to the inaccurate reporting of my credit. Please see attachments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX av XXXX XXXX, Fl XXXX XX/XX/XXXX Experian, XXXX and XXXX, dispute department XXXX XXXX XXXXXXXX, XXXX, TX XXXX. 

Re : Dispute of Account # XXXX XXXX Dear Experian, XXXX and XXXX I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX XXXXXXXX, with the creditor XXXX. 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I believe that there may be inaccuracies in the reporting of late payments related to this account. 
1- innacuraci in Account number ; in XXXX is reported as XXXXis diferent that in Experian and XXXX XXXX 2-inaccuracies in acount status : In XXXX is reported as closed diferent that Experian and XXXX is reported as paid 3-inaccuracies in date opened : In XXXX is reported opened XX/XX/XXXX, Experian and XXXX is reported XX/XX/XXXX 4-inaccuracies In number of moths ( terms ) line : XXXX and Experian has reported 24 months, XXXX has XXXX 0 months XXXX payment status : XXXX has reported current Experian has reported Late 30 days XXXX Has XXXX Current XXXX in XXXX reported day : XXXX and Experian has reported XX/XX/XXXX XXXX XX/XX/XXXX 7-inaccuracies in comments : XXXX and XXXX has reported as closed 8-inaccuracies in last day active : XXXX has reportedXXXX Experian and XXXX XX/XX/XXXX 9-innacuarqci in date of last payment, XXXX and Experian XX/XX/XXXX XXXX has reported on XX/XX/XXXX XXXXinaccuracies on the month of reporting 30 days late : XXXX and Experian report 30 days late XXXX XX/XX/XXXX and XXXX has reported in may 2023, 10 diferent inaccuracies between XXXX XXXX XXXX XXXX and Experian, credit report agencies I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report. 

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame. 

Please note that I am making the same dispute with Experian, XXXX, and XXXX, and I expect a thorough investigation from all three credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a online purchase on XX/XX/XXXX. After 3 months of not receiving my product I requested a refund which they agreed to. I filed a dispute with Chime bank on XX/XX/XXXX. It was quickly denied. I have opened multiple rebuttals since then. On XX/XX/XXXX I talked to a supervisor of the dispute department. He informed me that it probably got denied because it was filed under failure to receive goods or services, but since the company said they would give me a refund they denied it. They said they were going to file it as a failure to credit since I didnt get my refund. It was denied shortly after that.
Product: Credit card

I have three American Express card that i made timely and perfect payment. Then i tried to made payments 2 out if the cards and tried to make a third payment thee app told make no payment was due. Then i called the customer service they confirmed that no payment is due. 
By 5 days the Amex closed all three accounts and i filed a complaint they agreed that it is an error and not my fault. 
Now they charged of the accounts and illegally charged my XXXX XXXX XXXX account that caused {$780.00} with of insufficient funds fees by my bank that reported on my XXXX  Amex incorrectly put a {$0.00} credit limit on the closed account and then keep changing and charging the balance to reflect additional settlement late fees eventhough there was no settlement agreement.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Credit and Collection Accounts Under FCRA Dear Experian, Equifax, and Transunion, I am writing to formally dispute fraudulent credit card and collection accounts appearing on my credit report. These accounts were fraudulently opened in my name while I was in and out of the hospital fighting for my life due to severe health conditions, including cXXXX XXXX XXXX XXXX XXXXXXXX. I have been under continuous medical care since XX/XX/year>, requiring multiple medications and a permanent defibrillator. At XXXX point, I even died on the operating table for XXXX minutes. 

I recently applied for a loan to purchase a truck and was shocked to discover unauthorized credit cards and addresses on my Experian, Equifax, and TransUnion credit reports. Upon reviewing my report with a salesperson, I realized someone had stolen my identity to obtain credit without my knowledge or consent. I immediately contacted each creditor to report this fraud, and after explaining my medical history and situation, they confirmed I was a victim of identity theft. They advised me to obtain an identity theft police report, which I have since filed with the XXXX XXXX Police Department, along with an FTC Identity Theft Affidavit. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am demanding the immediate removal of all fraudulent accounts, as I did not authorize or open them. The law mandates that credit bureaus block identity theft-related information upon receipt of an identity theft report. I am providing supporting documents, including my identity theft police report and FTC affidavit, as evidence that these accounts are fraudulent. 
The following fraudulent credit accounts must be permanently deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following fraudulent collection accounts must be permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below is a list of the addresses reporting on my XXXX bureau credit report that is not mine as well that I demand to have permanently deleted from my XXXX XXXX credit report : 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 I expect these items to be removed immediately in compliance with the FCRA. Please provide written confirmation once my credit file has been corrected. If these fraudulent accounts are not removed within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

Thank you for your prompt attention to this urgent matter. Please contact me if additional information is needed. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TD BANK has recently had a security breach and there is an issue of an inaccurate loan request on my XXXX credit report that is now a hard inquiry that I would like deleted TD BANK XX/XX/year>
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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

I recently checked my credit report and saw that GLOBAL LENDING SERVICE ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) ran my credit and that inquiry caused my credit score to XXXX. I am now concerned that my identity has been stolen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Charge-Off Reporting for Account with XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute an error on my credit report related to an account with XXXX XXXX XXXX XXXX Account Number : XXXX ). According to my credit report, this account has been reported as charged off with a balance of {$450.00} past due as of XX/XX/scrub>XXXX XXXX. Additionally, the payment history reflects a charge-off status across several months. 

I believe this information is inaccurate for the following reason. The account was settled The balance shown is incorrect or This charge-off status is being reported incorrectly for multiple months. 

I request that XXXX investigate this matter with XXXX XXXX XXXX  and verify the accuracy of the reported information. Please provide evidence supporting the charge-off or correct the information on my credit report to reflect the accurate status of the account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and provide me with the results. If the information can not be verified or is found to be inaccurate, I request that the disputed information be corrected or removed from my credit report promptly. 

Please confirm receipt of this letter and notify me once the dispute has been resolved. You may contact me directly at XXXX if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Capital Quick Silver I am having alot issues with this Credit Card I had to close my account to get caught on it, but everytime I pay a payment {$46.00} on one of my account they add a {$33.00} purchase interest I don't use this card for anything I want to pay up my account but with High interest rate like this I am not going every be able to pay my credit card off. I am on XXXX want to clear these cards up and can't with high interested added to a close account! I have two cards with Capital One Quick Silver one they don't add any interest but one they do don't make since at all!
Product: Debt collection

Debt Collector stated she will destory my credit score to XXXX in which I considered as verbal threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX  XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.