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

In XX/XX/XXXX I disputed a fraudulent account with XXXX  for a credit card that was obtained without my knowledge. According to my credit reports the acount went into negative status in XX/XX/XXXX. The fraudulent XXXX ( XXXX XXXX ) account was taken off of my XXXX report. The XXXX account is still on my XXXX report. It was updated in XX/XX/XXXX to reflect it being charged off as a bad debt with no payment history. The XXXX account remains on my Experian report. XX/XX/XXXX it was updated as Failure to Pay Charge off. The comment " subscriber reports dispute resolved-conusmer disagrees '', was added to both Experian and XXXX  reports.

I sent letters to Experian and XXXX  about the fraudulent CFNA account and filed a complaint with the CFPB before. Because of the complaint XXXX ceased reporting the payment history.

However, on XX/XX/XXXX, XXXX  updated the payment history of the account on Experian to reflect another Failure to Pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to please look at the documents that I've attached.
Product: Debt collection

I paid a third party ( really, fourth party - a fake law office ) which is somehow connected to National Credit Systems. In a recorded phone call, I reiterated back before giving consent to charge my credit card, that this would include the deletion of the debt. The agent said it would include the deletion of the debt. Prior experience is that debt deletion isn't difficult. You just tell the credit bureaus to remove it and they do. So after being told " I missed the cut off date '' for XXXX, I waited. 3 weeks later it's still on my credit. Since National Credit Systems doesn't feel like honoring their obligation, I no longer feel like honoring mine and I have requested a chargeback from my credit card company. This company is a scam. They should not be allowed to operate in any capacity.
Product: Credit reporting or other personal consumer reports

The account was paid on time from the insurance and XXXX but XXXXXXXX XXXX and Hyundai reported it as a charge off. It is hurting my score
Product: Checking or savings account

Western union AmountXXXX XXXX Date- XXXX/XXXX/2020 My account was decreased by the above balance from my bank account, i dont know about the transaction, its very inconvenient. I need my money back. Please help if you can. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I sent payments of {$350.00} through XXXX to a tattoo artist as I was told by the artist the shop takes payment upfront since he was a guest artist. The artist never showed up to our appointment so I asked for a refund. He said the shop had my money and he would send it back when he had it, after 4 days of messaging him and hearing nothing I called the tattoo shop he was a guest artist at and they told me they do not require payment up front and it sounds like he scammed me, so they would reach out to him. Miraculously the artist then responded to my messages and admitted that he spent the money I sent him ( {$700.00} ) to fly down to Florida to visit the shop he was a guest artist at and he doesnt have enough money to pay me back. Almost daily since he canceled the appointment on XX/XX/XXXX I have tried to contact him to get my money back. I have also been in contact with the tattoo shop and they have been trying to contact the artist so I get my money back as well, however the artist still hasnt refunded me. So I tried to get my money back on XXXX, Ive filed three disputes on there however they were unable to anything and suggested I file a police report. Before filing a police report, I tried to get my money back through my bank. I filed two disputes for the {$350.00} charges through Wells Fargo. I received a letter in the mail on XX/XX/XXXX from Wells Fargo dated XX/XX/XXXX stating that my first {$350.00} claim was denied. On the same day I received the letter, XX/XX/XXXX, I called Wells Fargo three times to gain an understanding of why my claim was denied when the requested services I paid for was not provided. After being placed on hold for XXXX minutes Wells Fargo dropped the call.
Product: Money transfer, virtual currency, or money service

at XXXX XXXX. XXXX, I used XXXX app to purchase this item. But after I purchased it, I saw the seller has closed his store. I realized I got fraud and then I called wells fargo and contacted with paypal to report this case in the same day I purchased. but the seller proved a fake tracking number which means the tracking number is exist but the delivery address doesn't match with me, the XXXX choosed to trust the frauder and dennied my request.the wells fargo staff promised me they will invetigate this case by 10-15 business days, and gave me a temporiry credit on my card. after a month, there was no any information or notification for me from wells fargo, so I thought the case has done. but after 4 months, the last Saturday, XX/XX/XXXX. XXXX, my wells fargo account got deduction with no reason, the wells fargo staff told me because they dennied my request, so they reverse the credit. but they had never contacted me before, and they had not asked me for any evidence of being fraudulent with me, and even I could prove that the frauder did not send me anything before. But now that four months have passed, some proof is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to Experian on XX/XX/XXXX. Unfortunately, I have not received a response from Experian to date. As per the provisions of the Fair Credit Reporting Act, I am seeking your assistance in resolving this matter. 
Outlined below are the specific inaccuracies that require correction on my credit report : Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} I can confirm that the aforementioned account was never late. The reported information is inaccurate, and I kindly request that you rectify this discrepancy on my credit report. 
Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} I can confirm that the specified account was never late. The reported information is incorrect, and I request that you correct this inaccuracy on my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} I can confirm that the indicated account was never late. The reported information is incorrect, and I request that you correct this discrepancy on my credit report. 
Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} I can confirm that the specified account was never late. The reported information is inaccurate, and I kindly request that you rectify this discrepancy from my credit report. 
Account Name : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} I would like to bring to your attention that the account mentioned above is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} I would like to emphasize that the specified account is not mine. The reported information is inaccurate, and I kindly request that you remove it from my credit report.
Product: Debt collection

I called Americollect and asked for verification of me having debt with them. This is a collections company trying to collect funds on a charged off account from a medical bill. I reached out to the company that had rights to collect funds on the debt and I was told that I could not make any payments because the debt had been charged off. I have received statements from Americollect and phone calls about a debt that they can not verify or prove that I owe them anything! I sent a letter asking for verification according to the Fair Credit Reporting Act 15 U.S.A & 1681. No proof has been sent to me. As a result the negative item needs to be removed immediately.
Product: Debt collection

Paid collection agency, Capital Servicing Group LLC, who claimed debt was sold to them. Prior collection agency, XXXX, claims they still currently hold debt and debt was not sold. I paid Capital Servicing Group after being hounded by a representative for months and unsuccessfully attempting to have my insurance pay the bill. Ability Recovery says I still owe the debt. I have the transaction in my bank account for where I paid Capital Servicing Group. I do n't know what else to do-I can not pay another {$350.00} and I believe there is a chance Capital Servicing stole my information to collect debt I did not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Iam writing to file a complaint against XXXX regarding an incorrect address listed on my credit report. XXXX has refused to remove an address from my file that I have never lived at. The address in question is [ Incorrect Address ], and I have never resided in that state. 

To clarify, my only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX and I have lived in XXXX XXXX XXXX my entire life. Despite this, XXXX continues to list the incorrect address as part of my credit file, which is inaccurate and harmful to my credit history. 

I have disputed this address directly with XXXX, but they have refused to remove it or provide an adequate explanation. This error has caused confusion and may negatively impact my creditworthiness. 

I request that the CFPB investigate this matter and help ensure that XXXX corrects the information on my credit report, as it is vital for maintaining the accuracy of my credit history. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their refusal to honor my opt-out request dated XX/XX/year>, pursuant to 15 USC 6802. 

On XX/XX/year>, I submitted a written request to XXXX XXXX XXXX to opt-out of information sharing practices as allowed under 15 USC 6802. Despite my explicit request and the legal obligation under the aforementioned statute, XXXX XXXX XXXX has failed to honor my request. Despite multiple attempts to rectify the situation through direct communication with XXXX 's customer service representatives, the issue remains unresolved. 

XXXX XXXX XXXX ' failure to honor my opt-out request is not only a violation of my privacy rights but also a breach of federal law. I have made every effort to resolve this matter directly with XXXX, but their unwillingness to comply with federal regulations necessitates the intervention of the Consumer Financial Protection Bureau. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure XXXX XXXX XXXX complies with federal law and honors my opt-out request in accordance with 15 USC 6802. 

Please find enclosed copies of relevant correspondence and documentation supporting my complaint. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/2023, I deposited a check from my husband for a value of {$1100.00} into my account by mistake. The money came out on XX/XX/2023. Two days before the deposit was received, they closed my account. account and the reason was that the check had been reported as stolen which is not serious because my husband did not report it and the company from which the funds were received for work did not report it either. I called Bank America they said that the money was going to be returned to where it came from, I went back and contacted them and they told me that they were going to transfer it back to the company we called the company and they said that they did not inform them anything and that they could not do Nothing came back and I contacted them and they told me that the bank was investigating where the funds came from. My husband was listening to the call and gave the number of the company in which they verified that the money was not STOLEN as they said it had been on the day. On XX/XX/XXXX, they had a meeting and decided that they were going to reopen my account. I called on XX/XX/XXXX and the account was actually active again. I asked about the money that was in my account since it appeared in XXXX and they told me that it would take 5 days. They were able to return it to my account, I called every day and each time they told me something different. The last time I called, which was on XX/XX/2023, they told me that on XX/XX/XXXX they would return them to me and I verified my account. and they did not return them and they do not solve me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I checked my credit wise credit monitoring and found World Acceptance is frivolously reporting innacurate info on my credit report with XXXX saying I have a charge off/ delinquent account when I settled this account in civil litigation in XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX filed a XXXX satisfaction of judgement '' on this and told me it would not be on my credit report as part of the settlement! This is frivolous on XXXX XXXX part for reporting innacurate info and hurting my credit on a settled acct I may seek legal damages via lawsuit for my time spent and labor of my own investigation and calls made I'll never get back!
Product: Credit card or prepaid card

Company is not appropriately issuing a credit for a disputed, possibly fraudulent item, contrary to assurances given to me by the firm 's customer service representatives. In the absence of merchant documentation, a fair arbitration of this dispute would demand such a credit. 

I have concerns therefore that Chase is not complying with the Fair Credit Billing Act, as it relates to my rights to a fair, equitable, and timely dispute process. 

Please see my detailed letter.
Product: Debt collection

Trans Union website would not let me file a dispute or claim against two collectors account that was place on my credit report! I tried write Transunion, but they wont provide an address!
Product: Credit card

I have AMEX XXXX XXXX since XXXX  ; I use it for thousands of transactions, around XXXX per year. this is my second dispute with them for a charge, and they didn't treat me fairly and failed to resolve it I used the Amex card for a car rental XXXX  in XXXX XXXX  ; I also have car rental insurance for any repairs, which is the main reason I used the Amex card because of its repair insurance The XXXX XXXX XXXX XXXX  provided me with a damaged car, which wasn't apparent at first. After a few days, it stopped in the middle of XXXX 's busy streets while I was traveling,. It took them 10 hours to get me a new car, and I had to pay out of pocket to pull the vehicle to a safe place when I had to cancel my travel arrangements for which I rented this car. 
At the airport, they claimed there was a scratch on the latest car, which was not true as the car was all scratched when I received it and was noted on the inspection. I disputed the charge and signed the dispute I paid for the repair upfront, but XXXX XXXX never delivered proof of repair, so I disputed the charge ; Amex said it was a legit charge despite the merchant never providing the proof of repair, which he claimed and took upfront money. 

I filed with Amex Insurance to refund the money, as Amex 's credit card declared it a legitimate charge despite the merchant 's failure to provide proof of repair. However, Amex Insurance refused to refund the repair money as they didn't accept that it was a legitimate charge and wanted proof of repair. 
I spoke to XXXX for the Amex card and said to XXXX from the Amex insurance department, and both didn't find a resolution as the insurance is not accepting the charge as legit. 

I am complaining against Amex Insurance for having their insurance policy a scam as they are not accepting to refund me the money despite Amex the card accepting it as a legit charge for repair. 

I am complaining against Amex card for not providing scam protection and for providing a scam car rental insurance with the card as they didn't refund me the repair money despite accepting the charge as legit and didn't refund me the other charge of car rental as the goods delivered which is the car was damaged and caused danger to me by sudden stopping in the middle of the street before my travel
Product: Debt collection

In XXXX, 2017 my identity was stolen and accounts were opened in my name for XXXX XXXX XXXX, XXXX and XXXX. I filed all the necessary paperwork ( Police Report, ID Theft Affidavit, ID Theft Report ), had all the accounts removed from my credit report, froze my credit and contacted XXXX XXXX XXXX, XXXX and XXXX to inform them of the identity theft. I then filled out multiple pages of paperwork with each creditor to prove the identity theft. Despite all these efforts, XXXX XXXX XXXX and XXXX continue to sell this debt to collection agencies, who then call me. Even worse, these fraudulent accounts keeps reappearing on my credit report, negatively impacting my credit scores.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Equifax, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Equifax has violated its legal obligation to maintain accurate and reliable consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Equifax has failed to conduct a proper investigation or remove the inaccurate inquiries.

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activities. Equifaxs failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Equifax credit report and assurance that Equifax will take appropriate steps to prevent similar inaccuracies in the future. 
Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report. 
Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report. 

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

I dont have a contract with gla ...
Product: Mortgage

In XX/XX/2018 I applied for a REFINANCE with my current mortgage company Freedom Mortgage.

However during the negotiation of terms and loan structure for the refinance, we, my wife and I did not agree with them and TERMINATED the process.

In XX/XX/XXXX, at the end of XX/XX/XXXX we received a STATEMENT OF CREDIT DENIAL letter from Freedom Mtg.

We did not complete the agreement for the Refinance, yet we were denied credit that we didn't apply for or agree to be considered for.

How is it that we didn't not finish this loan process and was denied before for we knew who we were asking or applying to for this refinance loan.

We were ask to submit all documents and we reviewed all documents and answered questions regarding documents and submitted explanations and answers for documents in question. 

IT WAS ONLY A NEGOTIATION AND A LOAN STRUCTURE IN ORDER TO GET APPROVED. WE STOP THE PROCESS AND FREEDOM MORTGAGE SUBMITTED OUR DOCUMENTS ANYWAY. WITHOUT OUR PERMISSION.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

I disputed a few things on my credit report after being notified that my information was leaked in a data breach and here we are a year to two years later, and the information is still on my credit report because I was told that they investigated and they determined that it was my stuff, even though it isnt and my information has been leaked in several data breaches because these companies that are supposed to be protecting, our information are not safeguarding it and in return we as consumers get stuck with dealing with the hassle of things on our credit report that arent ours and then get told all we investigated and its yours, even though they know they didnt investigate Experian is a joke made to control peoples numbers to hold them back even when theyre not responsible for parts of their credit report because their information was stolen and used