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

My husband and I were in XXXX XXXX, XXXX on XX/XX/XXXX and we used our American Express card at a gas station to fill the tank about 6 to 8 gallons ( For reference we were driving a XXXX XXXX that gets around 30 MPG and is a XXXX tank ). Also, I am not a fluent XXXX  speaker but can understand the majority of what someone is saying. 
The attendant pumped the gas ( we werent allowed to pump it ourselves ) and when he was done he came up to the car window with a handheld card reader. I provided him first with our debit card but he stated it did not work. I provided him with our American Express card, and he ran it on the handheld device and stated that it was all good. He did not give us a receipt stating that the receipt portion of the machine wasnt working. We did not sign any receipt. 
When we got home a few days late, we were reviewing our charges and saw that we were charged USD {$2300.00}. Of course, we contacted Amex to dispute the charge. 
Amex stated they would do an investigation and get back to us. Amex stated that since the merchant was able to provide a signed receipt that they were not going to reverse the charges. We again contacted Amex and stated that the signature on the receipt was not ours, and although we were at that gas station we only got about 6 to 8 gallons of gas. We also told Amex that we never received any communication from them on the day of the charge regarding the large amount. Amex again stated they would investigate and again the answer was the same. They would not reverse the charges, they stated we could not provide any evidence that disputed the receipt from the merchant. 

We decided to contact the XXXX  and the response from Amex was again that there was nothing they could do. We had given the merchant our card and they do not authenticate signatures. 

We are astonished by the response from Amex. The main reason we have used Amex outside the country ( we live in the US ) is because of their reputation for always having the back of their customers. We are so disappointed, frustrated, and disgusted. We would appreciate any help in resolving this matter in a manner that is fair.
Product: Debt collection

I already filed a complaint against this business and nothing happened! They continue to send me email traying to collect a debt that is not mine! I called them today, spoke to XXXX and she refused to remove my email address and refused to transfer me to a manager.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( XXXX ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XX/XX/year> {$0.00} owed By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.
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, TransUnion & XXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of XXXX XXXX, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611. 
Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX auto finance, XXXX XXXX and XXXX auto finance are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX auto finance that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting

They were several inquiries showing only on my Experian Credit Report that were previously deleted due to them not being authorized and after the system went down and came back up I 'm now seeing them reporting again and I did n't receive the 5 day notice of this. The inquiries are : XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX- XX/XX/XXXX AND XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Debt collection

Paid debt with a collection company known as united revenue corp was paid on XX/XX/2020. Account was still sold to a different collection company known as XXXX XXXX XXXX claiming previous debt collector said they were not paid. I have sent the receipts and proof and refuse to get it off my credit report claiming they are waiting on previous collection company to provide information. I have tried disputing but XXXX XXXX XXXX still claim their information is accurate when it is not.
Product: Debt collection

Citizens Pay XXXX XXXX ( XXXX CITIZENS BANK XXXX, RI XXXX ), is inaccurately and wrongfully reporting a debt in the amount of {$3000.00}. I have spoken with them regarding this and they even contacted the original creditor, XXXX on a 3 way call regarding this and XXXX verified over the phone that the account was opened fraudulently and Citizens confirmed that this account would be removed from my name and credit reports due to confirming that it is a fraudulent account. Citizens has still not removed this from my credit profile and is still reporting this inaccurate, fraudulent account. I have spoken with Citizens numerous times and I even sent over numerous documents, including a police report and more and was advised that this would be solved within days or a week and that they put a urgency on it. I was also advised before to dispute it and it would be removed and they did not remove it, they actually verified it in order to leave it on my credit report. It has been well over a week since sending my documents over and I still have not heard anything from Citizens and this fraudulent account still is being reported on my credit report! They are very aware that this is a fraudulent account and even have in their notes when the agent confirmed it with the original creditor!
Product: Credit card or prepaid card

I received balance transfer checks on my United card - the notice told me that I could get cash. No where did it put limits that disclosure. 
I wasn't allowed to send it to anyone for them to get cash and when I went to just get cash to me - it could only deposit it to another account with a 7 day hold and not get cash. Maybe I'm odd but cash is where I can go to a branch and just " cash the check and received dollar bills ''. My original recipient couldn't cash the check drawn on my chase account and when I just tried to cash the check and give the recipient cash - neither could I get cash - i.e. dollar bills etc. 

Fix your disclosure - if you can't get cash then don't state that in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX  XXXX XXXX, and XXXX  XXXX XXXX. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting or other personal consumer reports

I havent been able to get an updated Credit Report from Equifax for more than 3 months now please tell them to fix my profile Ive already escalated this with them several times
Product: Debt collection

They are told to contact the primary contact, myself, and called my cosigner 8 times over a Saturday ; then when I spoke to them on XX/XX/XXXX they said I was off the call list until my payment processed. Since then they have called multiple times every day, and every time I answer they tell me the calls will stop, only to get another call 2 hours later. On top of this they include future payments in the total amount due at this time and have threatened my mom with statements such as " this will be on your credit report if you do n't pay {$1400.00} today '' when realistically we had 30+ days before it would be reported, and only had to make a payment of {$700.00} to get the delinquency reduced by 30 days. I called this week and they told me what was due as of today, but when I did the math that is what I owed through an XX/XX/XXXX due date.
Product: Money transfer, virtual currency, or money service

I'm filing 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 Regulation 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

I have called and sent a letter to this credit reporting agency about the following errors and violations. A fraud alert was placed on my account without my permission. My Address is XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX. Please note that XXXX XXXX XXXX XXXX, Al XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX are not mine and should not be listed on my credit report. 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- Account # XXXX ; XXXX XXXX- Account # XXXX, DPT Ed/ XXXX Account # XXXX ; DPT Ed/ XXXX- Account # XXXX ; XXXX XXXX- Account # XXXX has 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 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. These items have been reported inaccurately and without my consent as well as the following inquiries which i have disputed and filed an identity theft report with the Federal trade Commission. I have attached proof of the identity theft report, the letter that i sent certified, as well as the inaccurate results of Transunions investigations.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding item on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The item in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. 
It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 



XXXX XXXX XXXX
Product: Debt collection

Is constantly calling my employer and is calling me and threatened I will loose my job if I do n't pay
Product: Credit reporting or other personal consumer reports

In going over my credit reports with the three credit bureaus I noticed that all three has my last name of XXXX. I have never had that last name nor do I know anyone with the last name of XXXX. This needs to be removed please. 

Second problem is I have been disputing XXXX XXXX with all three bureaus for three years. My accounts 1 business and two personal were closed by an in house mistak at XXXX XXXX that has never been repaired properly I do have an attorney and a suit will be filed if they cant get it right this time around. Those are not my XXXX  XXXX credit card numbers. I have never been sent them, activated them or used them. Yet they remain attached to my name. My three cards were paid off before the accounts were closed. In one of my disputes for XXXX Experian removed it off of my credit report Now its back on under a collection agency 's name I would like to exercise my 609 rule and ask that if these accounts cant not be verified as mine that they be removed altogether for all negative credit reporting. I do not own these accounts I have never signed for any of the them. I have signed for my three which were closed. 

As my credit is being cleaned up you can see that XXXX found out that I paid long ago and they removed the account but my credit used to be great and then the second XXXX XXXX closed all three my credit report an FICO went to XXXX overnight. This is not fair I need my credit cleaned because I have done nothing to deserve what XXXX XXXX is doing. 

There would be times when I had extra that I would make two payments in one day to my XXXX  XXXX cards or the next day I would pay again and they had already closed my three accounts in XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For 6 months keeping reporting a balance on both credit cards. I have a negative balance on both cards and they still keep reporting as accurate.
Product: Credit reporting, credit repair services, 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Identity Theft! I received an update from credit bureaus that there is a negative item reporting on my credit. Upon inspection, I noticed there were accounts open that were not mine. I tried calling to resolve the issues but no one was willing to help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported info is incorrect, inaccurate not my account.
Product: Money transfer, virtual currency, or money service

I reached out via XXXX in an investment group I am apart of, i got several responses. had been in communication with a person named XXXX XXXX We spoke on the phone, and text about how his process works I requesting funding for fix and flip in the amount of $ XXXX I was then asked to fill out an application, then to send over bank statements which I did, ID typical loan request, The company then sent over an agreement and text stating Once I Sent over {$1700.00} and sent them proof of wire confirmation which was done on yesterday XX/XX/2023 they would wire me $ XXXX shortly after that did happen I then was told by company they needed to make sure the funds hit their account then around XXXX XXXX the person inboxed me through whatsapp which before we were only communicating via phone or cell text. they started i needed to pay {$17000.00} insurance fee to get the funds, however they wound up sending the $ XXXX through an app called XXXX which i never heard the bank info on the agreement and where we sent the funds to was a domestic account through XXXX XXXX. once I told him i am sending any moe money he cancelled the transaction through XXXX, and then he texted me saying getting money from me was too easy and to call the fbi, he said he wasnt giving my money back although he has agreed to, I called the bank about 20 mins ago and spoke to a lady who said there was nothing they could do because the funds already left my account, I am requesting for my bank to request thefunds back from XXXX due and flag this guy as a scammer. the wire was sent to XXXX XXXX XXXX with XXXX XXXX, person name is XXXX XXXX XXXX, XXXX