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

I XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy. 

I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give XXXX, XXXX, or Experian written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. XXXXXXXX XXXX XXXX XXXX XXXX  this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX XXXX XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... .DEPT OF EDUCATION ACCXXXX XXXX XXXX in the amount of {$1100.00} This account has three different account status types across each agency. XXXX has the account listed as refinanced Experian has the account listed as paid and XXXX has the account listed as derogatory. Payment status is listed as current with XXXX Experian has the account listed as a collection/chargeoff and XXXX has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon taking a closer look at Consumer Reports I've realized that there are inaccuracies reporting that's damaging my credit worthiness and hindering my ability to be able to adequately provide for my family. XXXX XXXX XXXX  account has been consolidated and been paid in full of a XXXX balance. However, it's also reporting that I have a 90-day late payment on multiple accounts with them which is inaccurate. I got the Loan in 2009 and has never made a late payment. My loans were also in forbearance the time frame that those inaccurate derogatory missed payment were furnished. I reached out to in reference to the matter and they mailed me a correspondence stating account was paid in full they have not record of payment history because the account was closed and paid off. I uploaded documents if you could please do what's fair and equitable to me as a consumer and reinvestigate, remove and or update the accounts in questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the TransUnion Credit Bureau a letter asking them to verify the alleged debt on my report. They have sent back letters stating that everything is verified correctly. My credit report is still showing inaccuracies. The credit reporting agency states that they verified the debt and did an investigation ; however there are still inaccurate reporting 's on my credit profile. A copy of the TransUnion investigation results and a copy of my Credit Report showing the inaccurate information have been attached to this complaint. 1. The inconsistencies are located on Pages 3 and 4 of the attached credit report and are highlighted in yellow. - The account limits, dates of last activity, late payments, high credit limits, high balances, and payment history are inconsistent and vary among TransUnion, XXXX, and XXXX. How can information that has allegedly been " verified '' vary among all three credit agencies? 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : A ) Reporting information with actual knowledge of errors 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.
Product: Mortgage

I contacted Amerisave on XX/XX/2020 to refinance my home loan. We did not want to take money out of the value of the house. We requested 15 year fixed low interest rate. All the paper work was completed in XX/XX/XXXX. Then the excuses began. 1st could not go forward without a home appraisal when in XXXX that requirement was waved with the loan originator. So we agreed to have the home appraised as long as we were credited the fee back in the close of the house. We had agreed to go with Amerisave BC the home appraisal & fee was not a requirement to refinance. It took until XX/XX/XXXX for the appraiseXXXX to come to the home and do the appraisal. Then it took the completion of the appraisal paper work to be returned until XX/XX/XXXX. We were asked again to summit a third proof of pay check which we did on XX/XX/XXXX. Now after additional week we have yet again to move forward in the process for closure of the loan. And no one with return phone calls or emails. So I am fed up. I am reaching out for your assistance. I am asking that we be refunded the XXXX we paid for the appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Agency Alert External party, unauthorized deleted an address on my credit reported. 

Former phone number and address alerts in use ; dark web alert. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Screenshots attached 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
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

I placed an order for pants that was never sent. Despite the fact that I provided evidence showing I had never received the package, the seller has not issued a refund. I have contacted customer service multiple times, but they have been unhelpful. They keep asking for the same evidence, which I have already provided. This is incredibly frustrating, as I have paid for an item I never received. I am requesting that the seller review my case and issue a full refund immediately. This level of service is unacceptable and I will not be shopping with this retailer again. I am incredibly disappointed with the dispute resolution process. 
Today i dispute for unauthorized charges, but it was closed without a proper investigation. 
Despite providing evidence and explaining my claims, the company refused to consider my side of the story. Their customer service has been unhelpful, and I am deeply concerned about this lack of accountability. It is unacceptable for a company to dismiss legitimate disputes without a thorough review. This experience has significantly damaged my trust, and I am now seeking further action to resolve this matter. I believe that all customers deserve fair treatment and a transparent dispute process.This situation has been incredibly frustrating and disheartening.
Product: Debt or credit management

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Product: Credit card or prepaid card

I currently have a credit card with Bank of America and they are refusing to refund me money for a flight that was cancelled by airline due to covid. I have called the merchant and bank on various occasions and the bank said that my funds are being held because it is under review. I started the claim in XXXX of XXXX and they are not able to provide me with a resolution or able to give me a date of when I will get the funds returned. 

I would like to note that I dont have any outstanding balances on the card and all my payments are current.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX  XXXX {$980.00} XX/XX/XXXX XXXX  XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$72.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES NOT RECOGNIZED XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting

I received a copy of my Equifax credit report earlier this year with several inaccuracies listed. I then disputed that particular information. Initially all of the errors were deleted including hard inquiries that were not authorized by me. Now several months later, the items have reappeared. I have asked for them to re-investigate as well as provide VALIDATION/VERIFICATION that the debt is mine and copies of the documents that they have in their files. They have failed to provide me with any information neither will they remove the inaccuracies which is clearly in violation of Section 611 ( 5 ) ( A ) of the FCRA. I do not give anyone permission to publish incorrect information on my credit file. They also failed to notify me within the 5 day period that the law allows that those items would be added back to my credit report. As you will see on the attached letters, I have asked several times for them to remove the unverified and previously deleted items. I have also asked on previous letters for them to remove inaccurate addresses and name variations. If my name and addresses are incorrect, how are they so certain that the negative information is correct? After several attempts, even sending them a copy of my drivers license Equifax refuses to update my surname to reflect XXXX. I have never been associated with the surname XXXX.
Product: Debt collection

I sent a letter regarding the matter however, no response from the company. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " WFDS d/b/a Wells Fargo Dealer Service '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Mortgage

Hi, This is in regards to my mortgage with Home Point Financial Corporation. They are misapplying payments and making me at fault that I'm behind on payments. This has been going on since XX/XX/2017 and still not resolved. I have reached out to the company and spoke to multiple agents, managers and in house collections and in house foreclosure but still not sure what the issue is. Per my knowledge, we should be current on the loan and I'm not missing any payments. I have all the back up documents that I can share as the proof. I will appreciate it if someone can please reach out to me in regards to this matter and help me resolve the issue. 
I can be reached at XXXX. 

Thank you.
Product: Debt collection

I have no idea what this bill is or who its for I have never used this company before and I was certainly never sent a bill for anything.
Product: Debt collection

I was victim of an identity theft back in 2019 irecieved many collection letter including the Ginnys acct XXXX, XXXX  them I filled all the affidavit forms and sent I different crditos but Ginnys is still showing on my credit report, please do fix the problem as I am aplying for a very important credit and this is affecting my score
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$4500.00} XXXXXXXX XXXX XXXXXXXX - XXXX - {$2200.00} XXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX. - XXXX - {$9600.00} XXXX XXXX XXXX XXXXXXXX - {$920.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX. - XXXX - {$850.00} XXXX XXXX  - XXXX - {$930.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately.

Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Employer XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am writing to bring to your attention my knowledge regarding your unlawful practices involving the distribution of standardized letters as responses to consumer disputes and challenges, without considering the specific details provided by each individual. Such actions are in direct contravention of the provisions outlined in 15 U.S. Code 5 1681i, which explicitly mandates that every dispute and challenge must be treated independently and evaluated on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Therefore, failure to process these letters would represent a violation of my rights as a consumer. Regrettably, I must view such non-compliance as a deliberate disregard for my rights, leading me to seek legal recourse by engaging the services of a lawyer. 

I conclude my communication with you with a genuine sense of professionalism and sincerity. 

My First and Last name is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called experian on XX/XX/year>, on or around XXXX XXXX  PST. I was on hold for about an hour in order to get to a fraud dispute agent. This is egregious. This also causes an undue delay and consumer harm. Rectify now or Ill contact a class action attorney.
Product: Money transfer, virtual currency, or money service

Starting on the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX company named XXXX ( the Company ). Money was transferred from my account to the Company  via credit card/wire transfers for a total amount of XXXX EUR utilizing Kraken services.
Product: Payday loan

XXXX sent me a email telling me i owed a certain amount of money for a payday loan that is less than what they are saying. When i looked up ace cash services i found out its a scam company trying to recieve money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as a formal complaint against TransUnion for not investigating and removing the errors and inaccuracies from my credit report. Transunion has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Transunion and help me get these resolved.
Product: Credit card

I have been scammed by some serious professionals. 

I purchased tickets from the XXXX XXXX for a play for {$170.00} - a company called XXXX managed to steal my personal information and make a charge for {$540.00}. I dont know how cyber scams work but they managed to do a really good job because Chase thinks its legitimate, even though it isnt. That is the goal of scammers, right? To make it look real so XXXX cant do anything about it. I was so scared that I finished my legitimate purchase through a private browsing window and called Chase right away to tell them I didn't make or authorize that charge. 

I tried emailing the company for the {$540.00} charge and told them I didnt make a purchase through them and I want my money back. They never responded. I tried calling, they never answered the phone. I called again today and they claim that I did make a purchase through them and that they sent me tickets. I did not make a purchase through them and they did not send me any tickets. All they did was successfully steal my personal information to scam me out of {$540.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva a creditor has failed to correct inaccurate information in the remarks on the XXXX and XXXX credit report. It has been a merry go round with letters stating on Fortiva behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.