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

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX Balance XXXX {$1700.00}
Product: Checking or savings account

XXXX I had multiple business accounts with Wells Fargo and had on average overdraft fees of $ XXXX {$400.00} per month
Product: Debt collection

I have never done business or heard of this company and DO NOT owe them anything. I thought consumers have rights to. I never received anything from this company notifying me of this, providing me evidence this is mine or even what this is for.
Product: Debt collection

To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED. 

The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information. 

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit card or prepaid card

Just got my statement for a debit card of mine TODAY AND NOTIFIED TWO FRAUDULENT TRANSACTION ON MY CARD : XXXX ONLINE XXXX XXXX TX XXXX XX/XX/2020 XXXX FIRST NATIONAL BANK OMAHA XXXX NY XXXX XX/XX/2020 XXXX I DID NOT MAKE ANY OF THESE TRANSACTIONS AND I DID NOT RECEIVE ANYTHING FROM XXXX-XXXX OR THE FIRST NATIONAL BANK. OF OMAHA - I want my money back. I WANT MY XXXX RETURNED FROM XXXX ONLINE XXXX XXXX TX AND I WANT MY XXXX RETURNED FROM FIRST NATIONAL BANK OMAHA ( A SUBSIDIARY OF THE NOTORIOUSLY FRAUDULENT XXXX XXXX ). HOW EXACTLY AND WHEN EXACTLY WILL I GET MY XXXX FROM XXXX XXXX XXXX TX AND HOW EXACTLY AND WHEN EXACTLY WILL I GET MY XXXX FROM THE FIRST NATIONAL BANK OMAHA? 

XXXX XXXX XXXX
Product: Checking or savings account

Hello, so on XX/XX/XXXX I had to file over 40 dispute transactions due to my account debit card being used fraudulently with So-Fi Bank . Within two days after filing the disputes with So-Fi they sent me an email stating " Dear XXXX , This letter serves to inform you that we have reached a final decision regarding the claim mentioned above. 

After conducting a thorough investigation, we have determined that no unauthorized activity has occurred, and as a result, your claim has been denied. Our investigation involved a review of the information provided during the claim submission, as well as an examination of internal account records. Additionally, we collaborated with the merchant, other financial institutions, and our card processing networks as necessary. This claim is now closed. '' After two days of filing this claim they never reached out for supporting documents nor did they make it feel like my claims were fraudulent. They just stated that no unauthorized activity occurred when in fact all the money disputed was unauthorized. I read on reedit as well that typically they solve investigations within two business days. I don't know any bank that can figure out claims within that time period for over 40 transactions. The dispute number is # XXXX in the total amount of {$3900.00}. I made all the transactions disputes on Saturday XX/XX/XXXX, and received a final determination of all transactions on XX/XX/XXXX. I was fraud-ed out of thousands of dollars and So-Fi Bank did nothing to help me receive my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, Equifax and XXXX XXXX XXXX have violated my privacy due to the Fair Credit Report and Privacy. I notices my bankruptcy was report without my written or verbal consent. The courts of Texas does not report information to any credit reporting agency ... ... .So how can they report my information... ..My information is private
Product: Credit card or prepaid card

company refuses to permanently reverse reported fraud charges even though informed fraud accounts opened under name and identity theft report completed
Product: Credit reporting or other personal consumer reports

I HAD AN AUTO LEASE WITH XXXX XXXX. ON XX/XX/18 THEY RECIEVED A LEASE BUYOUT CHECK FROM THE DEALERSHIP. I CALLED XXXX XXXX  4 TIMES IN XXXX TO CONFIRM THIS INFORMATION, THEY TOLD ME EVERYTHING WENT WELL AND I NO LONGER HAVE A LEASE WITH THE, TODAY I WAS NOTIFIED THEY REPORTED THE LEASE AS DELIQUENT. I CALLED XXXX XXXX  AND SPOKE TO XXXX XXXX IN CUSTOMER ESCELATIONS WHO SAID THEY NEVER REPORTED ME AS DELIQUENT. I TOLD HIM I WAS LOOKING AT THE NEGATIVE REMARK ON MY CREDIT. I ASKED HIM TO PROVIDE ME SOMETHING IN WRITING TO SHOW THIS IS INACCURATE AND HE SAID HIS DEPARTMENT CAN NOT PROVIDE ANYTHING. 

EVERYONE FROM XXXX XXXX  CONTINUES TO SAY MY ACCOUNT WAS CLOSED WITH THE DEALERSHIP BUYOUT AND THAT THEY NEVER REPORTED ME AS DELIQUENT.
Product: Credit reporting

In XXXX of 2007, my name was listed second on a finance contract with XXXX to allow my former spouse to purchase her vehicle under the XXXX EMPLOYEE program. After numerous late payments by HER, the vehicle was sold for more than the balance with XXXX and SHE received the proceeds from XXXX.Again, I made none of the late payments, there was no " repossession '' from me, and I did not receive any of the money from the sale of the vehicle unlike my former wife. Despite my repeated requests to delete this account from my file, EXPERIAN refuses to do so.
Product: Credit reporting or other personal consumer reports

This account was date opened is inaccurate.Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account :
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX - Ref No.
Product: Credit reporting or other personal consumer reports

I checked my credit report with Transunion, XXXX and XXXX and noticed they are reporting inaccurate information such as dates, amounts and accounts being opened/closed. I sent a letter in XX/XX/2023 requesting them to verify/update this information and it was not done. I sent a second letter in XX/XX/2023 requesting the removal of this inaccurate information and it was not done. I don't know where to go from here as they are not trying to help fix and correct the issue.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following item must be updated : XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also 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 a open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

On XX/XX/2020, I bought {$320.00} worth of clothes from XXXX. The package never arrived, though the shipping company, XXXX, marked them as delivered. I contacted XXXX, who said XXXX confirmed the package was delivered. XXXX refused to refund or reship the clothes. 

On XX/XX/2020 I opened a dispute with Chase for this charge. Shortly after, I got an email from XXXX saying the clothes would be reshipped. I contacted Chase to cancel the dispute. Later that night I saw that the shipping information in the XXXX email was from the initial shipment. When I called XXXX to confirm the new tracking information, they said it was a mistake and they would not be reshipping the clothes. So I called Chase again, I believe on XX/XX/XXXX, to reopen the dispute. 

Chase said they could not reopen the dispute immediately and would need to wait until the dispute was officially resolved in their system. Instead, they suggested that I contact Chase through their secure messaging system. On XX/XX/2020 ( exact date unknown because that message was archived from their messaging system ), I sent Chase a message through their secure messaging system to  reopen the dispute. I never got any communication about that dispute. 

After months of no response, I emailed Chase on XX/XX/2020 to reopen the dispute. On XX/XX/2020, they responded saying they disputed charge is valid because it was past the 90-day period to dispute the charge. 

I also emailed the shipping company, XXXX, in XX/XX/2020 to inquire about my package. They claim to take pictures to confirm delivery, so I asked to see proof of delivery. They redirected me to XXXX and did not respond to my inquiry. 

Finally, in XX/XX/2020 I contacted Chase again to follow up on the dispute I initiated in XX/XX/2020. They said that they can not request funds from XXXX because the 90-period has passed, that they can not initiate a dispute for the same reason as before ( missing package ), and that they can not take any further action. This information conflicts what I was told in XX/XX/2020 when Chase suggested that I reopen the dispute ; at that time, they didn't tell me that Chase would not open a dispute for the same reason as before. 

I am extremely frustrated that all three companies, Chase, XXXX, and XXXX, have refused to refund my money for a package that I never received. I have been given conflicting or incorrect information, and Chase refused my request to reopen the dispute I made in XX/XX/2020 without informing me. I feel like I've played by the rules, was taken advantage of, and am being penalized for inaction and misdirection by these three companies.
Product: Debt collection

XX/XX/22. I called XXXX and spoke with a representative to make them aware that I have never had an account with them and please provide accurate address, social, date of birth. The rep couldn't provide me with any accurate information other than the last 4 of my social. My address was not correct nor was my date of birth. I then ask them to remove it from my credit and she stated the couldn't because I owed them and some had cable in my name.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found alot of things on there that's not mines and fraudulent so on XX/XX/2024 I filed a police report and send that in to each credit bureau
Product: Credit card or prepaid card

I bought a prepaid gift card and I bought it at XXXX and loaded for {$120.00}. When I tried to activated it shows an invalid card so I called the XXXX number and they said that is was not activated and that XXXX charge me and sold me a peace of plastic. I went to XXXX and I called again from there, after a discussion between XXXX manager and a person from customer service who was talking with his supervisor at prepaid gift card. The supervisor finally agreed and authorized activating this card. I bought this card on XXXX XXXX. And tried to activated on Saturday XXXX XXXX. 

Then today XXXX XXXX i tried the make a purchase In the internet and I got a message of low balance. So I check the balance in their webpage and it showed my card was used at a dollar tree in Arizona when I live in XXXX nevada. 

I called prepaid gift card and they only agreed to file a dispute. And they said they will send me a fax which takes at least XXXX business hours and to send it back will take another XXXX hours. I do n't know if they send the fax on bus or what??. And the dispute department told me it will take at least 90 days to resolve if I 'm right. 

I do n't understand how could they play games with people. When I called on Saturday the XXXX, I had to be on the phone for more than an hour because they said they could not help me, until finally I got them to activated the card by the supervisor and supposedly fixed by the issue. 
Terrible customer support. Now I am without my money until who knows when if they are willing to help me. I do n't know what to do or go to the police or what?? 

I spoke with XXXX XXXX from disputes Please advice
Product: Checking or savings account

On XX/XX/2021, I opened a Citibank checking account. They had a bonus offer of {$700.00} if you deposit $ XXXX. So, I deposited {$50000.00} in the checking. 
After few days, they blocked and closed my checking account anymore. I contacted customer service several times. Nobody knew what's going on kept diverting my call to XXXX where they cant understand my issue. They keep saying same thing again and again ok, Yeah, I understand Until now they have not returned my money back. It's my hard money saved for a long time and CITIBANK has stolen my money. Please help me get my money back. It has caused mental and physical agony. If this is not resolved, will definitely go to new media and bring to nation 's attention. this is FORGERY, FRAUD, MANIPULATION BY CITIBANK. They should be held accountable for their fraudulent practices
Product: Credit card

XX/XX/XXXX, 2024-Received an email from Citibank that my American XXXX XXXXXXXX account was reviewed and my credit limit was lowered from {$20000.00} to XXXX when my balance was XXXX. This caused my credit score to drop from XXXX to XXXX. I asked them to re-review and it was declined. I then paid off the Citi account which left a negative balance of XXXX which they left on the account without a refund. I had to call to get them to refund the overage. Citibank is deceitful in their business practices and they should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I discovered my credit report on XXXX which I recently had access via email I discovered numerous incorrect personal information that needs to come off and needs to be investigated and I was recently locked out of my account, today XX/XX/23 I waited on hold for over XXXX minutes just to be hung up on repeatedly
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the four major credit reporting agencies. I recently disputed a charge-o for {$740.00} from XXXXXXXX XXXX XXXXXXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX default judgment should be in my name not XXXX XXXX whom is my mother 's name, but my name XXXX XXXX was removed in XXXX or XXXX for an unknown reason. I was never served by anyone nor was my mother, we both lived at the same address at the time a processor claims he served papers to my Mom but I couldn't be found. We live at this same address for 40 years. My parents are XXXX and XXXX living on social security and veterans XXXX. My Mom received these letters with no court stamp or signature from a judge. 
When I go to this court case online it is closed and has a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was XXXX and XXXX bank
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 tidewater finance co gained unauthorized access to my credit report. Causing a dent on my consumer credit. This is a violation of 15usc 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or about XX/XX/2020, I disputed XXXX XXXX  XXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.