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

On XX/XX/2020 I purchased tickets from XXXX for {$520.00}. 

On XX/XX/2020 I submitted a dispute to Citi for the full amount of {$520.00} as the concert had been postponed without a future date yet to report. 

On XX/XX/2020 XXXX cancelled the event and stated that I would be receiving a refund. 

On XX/XX/2020 I provided Citi with the e-mails from XXXX that I should be receiving a refund. 

It has now been more than 1 month and CITI still has not credited me with the total amount of {$520.00}. 

All I am asking for is to be refunded the amount that should be refunded to resolve this issue. It is unacceptable that this has taken months to resolve.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any wrong accounts must be removed from my credit report. Can you verify the documents? Several accounts listed have mistakes in the reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX XXXX TRANSUNION XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified on XX/XX/2018 that my disputed account # XXXX XXXX XXXX XXXX XXXX XXXX with TransUnion was going to be deleted from my credit report by the request of the creditor. Received a letter from creditor stating that they could not verify late payments to this account, and they sent me a snapshot of my account being paid in full with no record of late payments ever. Have sent numerous disputes to all 3 credit bureaus and to XXXX about the deletion of the account from my credit reports, but the account remains on all credit reports, and is negatively effecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland funding has an account on my credit report been disputing for a while this account is closed for fraudlant charges please help me remove this
Product: Credit reporting

My credit report shows that I have not paid for a loan on a house I 've never owned. I lived with a man at this home but never was married or anything that legally binds me to him. I moved out after a couple of months and I have not returned. The mortgage company is XXXX XXXX Loans. I believe that is was XXXX or XXXX that I moved. I have since married to another man and have not seen the owner of the house, XXXX XXXX for about XXXX 17 years.
Product: Credit reporting or other personal consumer reports

XXXX Removal of Inaccurate XXXX XXXX I am writing to demand the immediate removal of inaccurate charge-off reporting from my credit profile by Experian. I firmly believe that this reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under XXXX XXXX XXXX. 

I have recently reviewed my credit report obtained from Experian and have identified inaccuracies related to charge-off accounts. This misinformation is severely detrimental to my creditworthiness and financial standing. I insist on the swift removal of these inaccuracies, as required by the FCRA. 

I demand that you take immediate action to remove these inaccuracies from my credit profile. Delays or further investigations are unacceptable in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

equilfax information servicesLLC is showing incorrect and false information on my report for XXXX XXXX XXXX XXXX credit card # XXXX as charged off / closed by credit grantor / unpaid balance.. this has been paid on time
Product: Money transfer, virtual currency, or money service

XXXX it was to another account number to a bank and it was 2021 in XXXX I believe
Product: Credit reporting or other personal consumer reports

I am not sure what is going on but my credit score dropped XXXX  points due to detecting a new account ( XXXX XXXX  ) and the name of a credit changing XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ) My score went from XXXX to XXXX due to this change. How does changing a name and opening a new account make my credit score drop XXXX points. The practices by this agency are unethical and problematic for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inspite of many previous requests to XXXX, XXXX, EquiFax XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction in the attachment furthermore EQUIFAX REFUSED TO GIVE ME AN UPDATED CREDIT REPORT AFTER PROVDING GAS BILL AND DMV
Product: Credit reporting or other personal consumer reports

I have worked with this site to dispute an error on my report. XXXX took it off while trans union and XXXX  refuse to. The document below is from here stating the XXXX did not have a record of that debt. Trans union has " magically '' found an account number when I've asked before from XXXX and I never got one nor postage from them at all with any information about this debt. This is a scam and ruining my ability to rent apartments.
Product: Debt collection

I received a letter from an attorney called Linebarger Goggan Blair & Sampson LLP claiming I owe {$15.00} in tolls on a vihicle with licence plate XXXX. I do not have a vihicle with that licence plate. I also have a sunpass that automatically removes funds as needed and is in good standing. It says that " XXXX XXXX XXXX ( partner ) is licensed by the Florida Barr but does not provide a Barr Number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reviewed my credit report and observed that several items were reported as incomplete and inaccurate. Over the last seven months, I have sent multiple letters to TransUnion requesting a reinvestigation of the listed items. However, they have not responded to my requests, provided the requested verification, nor updated my credit profile. Several items show different open and close dates and inaccurate balances. According to the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in a consumer report.

According to 15 USC 1681i ( 5 ) they are supposed to do this : 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that if the completeness or accuracy of any item of information in a consumers file at a consumer reporting agency is disputed by the consumer, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute. If a CRA wishes to reinsert previously deleted information, the person who furnishes the information must first certify that it is complete and accurate.

TransUnions failure to properly conduct investigations and comply with consumer protection laws has negatively affected my creditworthiness. This has limited my access to credit and hindered my ability to purchase or rent a home for myself and my four children.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After booking a stay on XXXX and submitting my Drivers License for verification Inflection Risk Solutions performed a background check ( I had no knowledge of this being done ) this may be in XXXX  terms of service when you click you agree. The dispute was initiated after XXXX cancelled my booking due to the erroneous case XXXX that I have reported to the CFPB several times on other background check companies that have incorrectly reported the reversed and dismissed case by the XXXX district appellate court of Illinois under order XXXX XXXX The XXXX  are of no consequence no law saying a XXXX  prevents you from paying for an XXXX. Instructions to contact XXXX lead supervisor at XXXX XXXX clerks office were given ( this is a step Inflection Risk Solutions did not even take or they would have known the case was Reversed and the " In Custody '' was erroneous ) and she keeps a record of the companies that reach out after they have been provided the accurate information per the Clerks office, NOT XXXX SEARCHES!
Product: Checking or savings account

My bank Chase Bank issued an debit card not requested by me because I have my debit card with me and I use it often to withdraw cash overseas. When I looked at my online bank statement on XX/XX/2023 and XX/XX/2023, I found that there are fradulent charges over XXXX on my debit card made in businesses in New York state. I called Chase immediately to report the charges and file a complaint to get refund on the charges. That's why I found out that Chase has issued an debit card to someone other than me. Chase rejected my complaint and refued to refund me the stolen money from my checking accounts. Employees at Chase have not been helpful and refused to give us any information when and how the debit card was requested. I am sad regarding how a big bank handled my complaint and taken advantage of us weak customers. I hope that cfpb will help me find justice and have the bank return my living savings to us. In addition, I have filed compalint with the FTC and New York Attorny General Consumer Frauds Bureau. Below is the list of fraudulent charges with date, business name and amount. 
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
Product: Credit reporting or other personal consumer reports

I have requested this company stop reporting on my credit report and to fix the and report the correct balance American express ran up the bill amount without my acknowledgement when I was trying to fix the account, they sent my information to a collections agency in Florida which is unlawful and not in the accuracy The account involved is in litigation. American Express keep reporting on a daily current weekly on my report with the incorrect information the balance indeed is incorrect ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

This is the complaint description I filled : On XX/XX/2023 XXXX ( Account Manager ) Reached out to XXXX XXXX ( Spouse ) in the attempt to get a hold of me ( XXXX ) of XXXX XXXX XXXX regarding a a business debt for XXXX XXXX XXXX. 
During this reference call XXXX violated multiple FDCPA S.804 Paragraph 1 and 2 S.805 Section B Without any authorization from the primary account holder, XXXX released sensitive information to a 3rd party regarding a business matter. Which includes Brown and Joseph an Attorney Office Calling to collect a debt, Amount for Debt {$35000.00} Tax Periods they are collecting for and File # XXXX Furthermore, I attempted to reach out and speak with her supervisor regarding the matter. XXXX XXXX on XX/XX/2023 XXXX XXXX. 
Where XXXX refused to acknowledge any wrongdoing by his team stating FDCPA does not apply to them and that Brown and Joseph are at will to disclose this information to whoever they need to in order to collect on this debt. XXXX then proceeded to ending the call because he deemed the call " Unproductive '' and refused to allow me to speak to anyone else regarding this complaint. 

Their lack of training from Brown and Joseph has now caused a personal conflict between XXXX and I due to a business matter that did not concern her.And our marriage is now in question due to their harassments and unfair practices.
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX, I saw an ad on XXXX XXXX XXXX XXXX, promoting loans and home investments. Being a person who XXXX XXXX XXXX and wanting to fund one of my projects, I approached them with the intention of taking out a loan in order to get the project started. I was informed that I would need to make a deposit in the amount of XXXX XXXX  as an insurance, which would then be returned to me after 14 days. 

Almost a month passed, and I did not hear anything back from anyone from XXXX XXXX. 

I got in contact with a lawyer from XXXX XXXX XXXX, a fake law firm which was supposedly dealing with these types of cases, and was recommended as a go-to point of contact in case someone needs assistance. However, the representative I was communicating with feigned ignorance in regards to the transfer I made to XXXX XXXX. 

The XXXX transfer of XXXXXXXX XXXX was made on XX/XX/XXXX from XXXX XXXX XXXX  account in XXXX, through my XXXX account, and to the Bank of America account of one of their shell companies. 

I am kindly asking you to investigate this matter thoroughly, and assist me in recovering the funds I lost to this fake loan company. 

I tried settling this matter with the Bank of America directly, as they were the recipients of the funds, however despite their promises to get back to me with a resolution, they never did. 

Attached, please find the letter containing all of the supportive statements, screenshots, and further evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of XX/XX/2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.
Product: Debt collection

I received a text message on my phone on XX/XX/year>, with a URL to access the debt collection letter.

So, now, I am writing to inform you that the balance of {$100.00} associated with XXXX ( creditor ) has been resolved due to a billing error. This issue was formally reported to the Federal Communications Commission ( FCC ), and XXXX confirmed that the balance was made XXXX on XX/XX/year>. XXXX has also stated that they will report this update to you within 30 business days.

Given that this matter has already been resolved, I request that your records be updated accordingly and that any further collection attempts regarding this account be discontinued.

Furthermore, if this debt has been reported to any credit bureaus, I ask that it be removed from my credit report once you receive the updated balance.

Please provide written confirmation that this matter has been resolved in your system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple duplicate credit inquiries that XXXXXXXX XXXX  sent over when they pulled my credit. I have contacted all of the banks and XXXX XXXX with absolutely no help.
Product: Credit card

Chase is applying your payment beyond the minimum to your lowest APR and not the highest APR. Chase is not responding.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 a few Personal credit card accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA & FDCPA, Experian refuse to remove and delete XXXX from my credit report for not responding to my debt validation within 30 days. I have provided proof see attachments -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. 

Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),  creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have a collection reporting on my credit from Credence RM. I recently purchased a home, in XXXX and that is when I was aware that there was a collection reporting on my credit and the original creditor was XXXX XXXX XXXX. I reached out to Credence RM ( the collection agency ) in XXXX to find out what exactly this was. They said it was a collection from XXXX XXXX XXXX for equipment that was not returned, and it was associated with my Social Security number. I never gave the collection company my social security number, so I am unsure how they claimed it was my collection. My father and I have the same name except that I am a XXXX that could be the issue. I also filed a dispute with the credit agencies hoping it would get resolved but it did not. I never have an account with XXXX XXXX XXXX and this is not my debt. I am hoping your agency can help get this resolved because it caused me to have to incur a higher interest rate on mortgage for my new home purchase because it caused my credit scores with XXXX and XXXX to be lower and the lower scores are what was used on my mortgage application.
Product: Mortgage

Inquired to Xactus as to why they kept showing up XXXX Credit Report as recent as XXXX, XXXX, 2023, as I have never taken out a Mortgage and that I am unemployed and live in an apartment and that until recently I was almost homeless. ( XXXX ) the clerk I spoke with provided me with information to a company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX, phone number [ ( XXXX ) XXXX ] ; [ ( XXXX ) ] XXXX. The information XXXX from Xactus provided was inaccurate and I had to search for the correct information online. 

I contacted XXXX XXXX XXXX on XX/XX/2023 and was informed by a woman named XXXX that they are a debt consolidation company and do not deal with mortgages. That in XXXX I contacted them for debt consolidation but did not qualify and they denied me debt consolidation. I told her that I felt there was something fishy with Xactus and was placing an investigation on them. The information that XXXX from Xactus Provided me was XXXX XXXX XXXX XXXX, TexasXXXX  ; phone ( XXXX ) XXXX she lied about XXXX XXXX and involved them into something they had no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2022 Experian has committed Fraud Pursuant 15 USC 1681B, I never gave Experian permissible purpose or any written letters or instructions to report any information on my Consumer Report..
Product: Prepaid card

I loaded money on my RushCard Visa @ XXXX. I logged onto my account & my money was n't loaded on my RushCard. I called RushCard & waited on the phone to talk to a rep for 2 hours. I finally got tired of waiting for a rep so I hung up. I 'm so disgusted, disappointed & upset. I called the number on my XXXX receipt for a refund, I typed my card number & XXXX digit security #. It said my card was invalid. That 's XXXX! My RushCard is n't invalid. I want my {$52.00} + {$3.00} reload fee refunded.