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

I check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT ED/XXXX : XXXX DPT ED/XXXX : XXXX XXXX XXXX  XXXX  : XXXX
Product: Credit card

On XX/XX/year>, I made a return to BestBuy for a purchase that had been made with my BestBuy credit card. The amount of the refund I received was a total of {$840.00}.

However, the refund was issued to two different charge accounts, one of them was a closed card. I told the cashier this at the time the refund was being processed, she advised me that the refund amount being refunded to the closed card, would eventually be diverted to the active account. I received a refund of {$340.00} to my active Best Buy credit card account, ending in XXXX. Additionally a refund of {$500.00} went to my closed card ending in XXXX. The rotal refund amount of {$840.00} would have satisfied the full balance on my active Best Buy credit account and also had an overpay amount of {$240.00}. 

Since this mis-directed refund transaction on XX/XX/year>, I have contacted Best Buy as well as CitiBank multiple times to get this issue corrected. As of today, I have had no resolve and CitiBank has charged me multiple times for not making adsitional payments late fees and punitive actions. Additionally, they are still in posession of my money that was in excess of the amount owed on my credit account at the time of the credit refund on XX/XX/year>, {$240.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department Re : Request to describe method of verication To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Re : XXXX. There is some inaccurate information reporting. 
XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT. 
2. 15 U.S. CODE 1692K - XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692K - XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. There is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. There is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681N - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verication. I do not consent to XXXX or any means of automated verication. 
Thank You, Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Equifax and wanted to discuss my credit report and the erroneous accounts. They rushed me off the phone and told me to contact you so I am wring you now.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes XXXX years after Equifax announced XXXX of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XX/XX/2017 for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again.
Product: Money transfer, virtual currency, or money service

My bank is Chase account number XXXX XXXX XXXX XXXX XXXX. I've been involved in the below fraud. XXXX XXXX XXXXXXXX and XXXX XXXX keep saying " speak to my bank '' but the phone number provided said only direct messages and the direct messages have an auto response that it takes a week. I requested a wire recall over 6 weeks ago originally. That was somehow lost. I got a status update from Chase via direct message that was non sensical cut and paste message from the receiving bank. When I replied to that message stating as such I got an automated reply that you'd get to it in another week. This is unacceptable that there's no one to call. I've been scammed out of a significant amount of money ( over {$120000.00} in total, {$65000.00} from chase ) and they've done nothing at all to assist me in the return. 

XXXX XXXX XXXX XXXX number : XXXX XXXX XXXX XXXXXXXX XXXX Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where XXXX XXXX called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked 7 weeks. This was not able to be recorded obviously because it was flagged as fraud. A wire recall was supposedly requested by XXXX XXXX XXXXXXXX as requested by XXXX XXXX over 6 weeks ago. I cant get any information at all. The title insurance wont pay out because its fraud and XXXX XXXX said theyd return the funds. XXXX XXXX  XXXX won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. If XXXX XXXX is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said XXXX XXXX and XXXX XXXX XXXXXXXX aren't responding. Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )
Product: Checking or savings account

Wells Fargo illegitimately charged me over {$500.00} in overdraft fees, did not provide any assistance to remove those fees, and proceeded to close my account without option to reinstate the account.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Goldman Sachs about my Apple Card. The app setup my auto payment to pay full balance monthly. I didnt notice it until I saw a payment of XXXX. I called for it to be reversed or cancelled and the rep processed it. On XX/XX/XXXX I noticed a declined transaction due to over my {$3500.00} limit. I new I havent used the card that much so when I checked my balance was {$4800.00}. They doubled the reversal. They have been reporting that over limit balance to the credit agency plus charging me interest. I contacted them again XXXX, and XX/XX/XXXX to get different stories each time. The last was a supervisor that said she has seen this many times but never heard on one being resolved. I was told everything to 3 days, 7 days, 10 days, 30 days and 90 days to get fixed. They finally sent an email saying the dispute was rejected. This is simple math. I also checked with my bank and I only received one refund from them as one of the supervisors said the problem was due to multiple refunds. I have seen others on forums complaining about the same thing. This means they are stealing money via interest or payments made for an error in their behalf. This is not legal. Please advise.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not removing accounts that should be removed from my report that are inaccurate from XXXX XXXX XXXX
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple efforts to reach out to capital one for my spark credit card about the status of their inconsistent reporting on MY Personal consumer report! I have attatched proof of almost all details on the account reporting to multiple credit agencies The last time I reached out I was advised thee account was charged off for the amount of {$720.00} and written off. However they are still requesting I pay them. They need to send me a 1099 for the write off.At this point that means the account balance is my income and income Should NOT be reported on my consumer report under my circumstances. I have also sent a complaint to the attorney general hoping to have this issue resolved.
Product: Credit card or prepaid card

Jetblue with Barclays has a promotion going on offering XXXX trueblue airline points with Jetblue. The offer is on Jetblues website as well as Barclays.. everywhere says XXXX points for getting the jetblue plus card, and paying the {$99.00} annual fee and spending {$1000.00} within the first XXXX days. I applied on XXXX XX/XX/2022 through the link at jetblue which states XXXX points, and within the month I spent over the {$1000.00} limit and paid the fee. I only received XXXX points by the end of the billing cycle. I called barclays, which is answered by an automatic machine which says anything related to trublue points, to contact jetblue. I clntacted jetblue today XXXX XX/XX/2022 through chat and they stated i need to contact barclays as they would know what promotion offer i applied for. I dont know why would there be another promotion offer as All i saw in both websites jetblue and barclays were the XXXX points. If they had me under another promotion, then means they are luring customers in by advertising in a way and then applying different offers that were not clearly advertised, creating confusion and scaming people. I searched for information online and seems other people have fallen victims of this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent documents disputing multiple fraudulent inquiries associated with my credit report. Ive sent dispute letters to the EQUIFAX bureau. Below are the inquiries and dates they took place. I would like these removed from my credit as soon as possible. XXXX  XXXX XXXX XXXX XXXX XXXX/AUTO XXXX XXXX XXXXCredit union XXXX XXXX/Telephone  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/Pers.Loan XXXX XXXX  XXXX  XXXX/AUTO XXXX XXXX  XXXX  XXXX/Finance  XXXX XXXX  XXXX XXXX/Bank  XXXX XXXX XXXX XXXX XXXX/Pers.Loan XXXX XXXX XXXX/Pers.Loan  XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXXXXXX XXXX/Pers.Loan XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never entered or went into any sales contract agreement with the account name in dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the company sent me a response that stated, " XXXX XXXX is a complimentary service from XXXX that provides XXXXS Card Members and Non-Card Members with their FICO Score. Its important to note that enrollment in XXXX XXXX requires users to review and accept the Terms and Conditions found by logging into their American Express online account and also located at americanexpress.com/mycreditguide. This differs from the information you provided in your complaint stating we enrolled you into this service without your permission. We are unable to enroll nor unenroll you from this service. You can access the website above, by logging into your account, and select the My Account option on the top right of the home page to cancel your enrollment. We are unable to issue any compensation as requested. '' It is quite odd that I literally went years without receiving a single one of these emails and then all of a sudden I received a random one in XXXX of 2024. And you have the audacity to again dishonestly report that it is a matter of me agreeing to some terms to allow you to send me this trash. 

Amex is the king of victim blaming and lying. 

I did no such authorization. You all unilaterally enrolled me into this service. You unilaterally enrolled me and you can unilaterally un-enroll me. 

You all unilaterally deleted my account in retaliation for reporting your negligence. You can unilaterally stop spamming me with your trash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agency since XX/XX/2022. XXXX  XXXX credit card balance shows two late payments, according to 15 usc 1681 ( a ) ( 2 ) which is incorrect and in violation to consumer rights as far as credit reporting. a consumer report does not include transactions and experiences. 
XXXX credit card account is showing a negative payment status I requested debt validation numerous times since XX/XX/2022. Which I never received. In addition my consumer right 15 usc 1681 ( a ) ( 2 ) transactions and experiences are not to be included in consumer report. I might also add if this true debt this company claims it to be, a charge off is considered a cancelled debt. 
XXXX  XXXXXXXX XXXX XXXX in regards to late payments this reporting once again violated my 15 usc 1681 ( a ) ( 2 ) transactions are not to be included in consumer reports. 
Collection account from XXXX XXXX XXXX orginal creditor XXXX XXXX XXXX  XXXX XXXX. this is in violation of 15 USC 1681 ( 3 ) which restricts sharing my medical information to a 3rd party without my permission. In which I did not give or shown proof of my signature. This exhibits my HIPPA rights are currently violated as well.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c- 2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Mortgage Loan on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

Equifax is ignoring my requests to investigate and remove some accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, XXXX and XXXX in regards to the incorrect items on my credit report. It has been well over 30 days and I have not recieved any investigation results. This is the second time I have had this issue with XXXX.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC report : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) FRAUDULENT INQUIRY : XXXX