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

last year I received a renewal offer on an American Express card which I have had for many years. There was a large fee for renewing and I decided that the card was no longer needed so I called the phone number listed and spoke to a rep. who tried to change my mind. As a result she thanked me for my many years of usage, advised me that there was no payments due, to cut up card & terminated the call. Shortly after I started receiving calls & emails & letters for the renewal fee. I informed them that I did not wish to renew & was told that I did not have that option. I have since been returning all correspondence unopened & responded to their emails as harassment, yet they continue. I have told them that renewal is at my option.
Product: Checking or savings account

A XXXX company falsely represented themselves as a XXXX-based clothing company via a website marketplace that completely imitated the clothing & branding of the XXXX-based clothing company ( likely copyright infringement ). No where on the website ( link : XXXX XXXX XXXX ) did/does it advertise that they were a subscription service. The terms of the 2 purchases that I made on XX/XX/2020 were for a 1-time payment for clothing. I made the purchases back-to-back {$290.00} & {$160.00}. I grew suspicious after I made the order after speaking with friends I know that the price I paid was too low for that brand of clothing. I asked that both of the orders be cancelled the very same day ( XX/XX/2020 ). Instead of cooperating with my request the customer service representative tried to talk me out of it, which is atypical of the cancellation process. I repeated requested that it be cancelled and eventually began only receiving away messages and never heard back. I have yet to receive anything from them. This puts me in a position where I can not even oblige with their return policy because I have no product to return. I never received ANY product OR service, therefore I am 100 % entitled to a refund. I ask for your help because my bank wont help me because the charges show up as an Authorized Credit Holds. I am still reaching out to the company with the hope they come around but they haven't done anything and I know believe them to be a malicious scam. I am still trying to get help from my bank but one claims representative told me my best bet is to work with the CFPB to get my money back and prevent this malicious vendor ( scammer ) from using their predatory practices on other consumers.
Product: Checking or savings account

I am a XXXX XXXX and I believe I have been treated unfairly by Bank of America. I reported my debit card lost to Bank of America on XX/XX/XXXX. After reporting my card missing I noticed withdrawals on my account from an ATM that I do not and have ever frequented. Approximately {$360.00} ( six ( 6 ) {$60.00} withdrawals ) was withdrawn from my account. In addition, there were fraudulent check deposits made on my account. I again contacted Bank of America and advised them of this activity ( claim # XXXX, XXXX, XXXX ). Bank of America issued me a temporary credit for the cash withdrawals and a credit for the fraudulent checks. Bank of America closed both my checking and savings account following my reports. At the time of the closure, my checking account was overdrawn ( because of the fraud ), but there was {$260.00} in my savings account. On XX/XX/XXXX,  I filed a police report regarding the fraud and the theft. I did not know to do this before this time, as Bank of America never asked about a report or suggested the filing of a report. I did so after a friend suggested that I do so and indicated that maybe the camera from the ATM could be reviewed to determine who stole and used my debit card. On XX/XX/XXXX, I contacted Bank of America regarding the status of my complaint, because the account closure made it impossible for me to access the funds in my savings account. As a XXXX XXXX I needed access to these funds. I was advised by Bank of America that my claim had been denied because I could not explain how someone would have obtained my Personal Identification Number ( PIN ) to have been able to access my account. That was the full extent of the explanation I was given. I was advised that the temporary credit would be reversed. I can not explain how someone obtained my PIN and was able to access my account, but they did. As result of this fraud I have had {$360.00} stolen from me and I have been charged numerous fees by the bank, bringing my total loss to {$820.00} including the funds Bank of America took from from my savings account. This loss resulted in me being evicted from my apartment as I was unable to pay the rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XX/XX/XXXX and informed the agent that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Late XX/XX/2024, I received a call from my parents who live in California ( my mother has the exact same name as me ). They had a process server come to their home and leave a court summons from XXXX XXXX XXXX for me. 

I called XXXX on XX/XX/2024 and spoke to XXXX. I let XXXX know that I have not lived in California for over 5 years AND the loan did not originate in California. She told me that she would contact their attorney, XXXX XXXX and get back to me. I never received a call back or an email. 

On XX/XX/2024, I called again and spoke with an agent who told me that the only way to resolve the issue is to set up a payment plan. I asked for the court portion of this matter to be handled first, as I don't live in that state. He argued with me and I asked to speak to a supervisor. I was transferred to and left a voicemail. I called back again to see if I could get XXXX on the line. I was able to get in touch with her. She told me that their records show that an attorney spoke to me on XX/XX/XXXX. This did not happen. I pulled and attached cell phone company 's call record and I did not receive any calls on XX/XX/XXXX. I can provide a hard copy aside from the screenshot attached.
Product: Credit reporting or other personal consumer reports

I submitted a dispute online attached with documentation proof of me not owing a medical debt they simply spoke with the creditor and said everything was correct. I then called and disputed 3x all 3 said the same thing. Then they tell me its better if I mail in documents to prove I dont owe to money, a week and a half has gone by and they keep saying their back office hast received it yet.
Product: Payday loan, title loan, or personal loan

On XX/XX/19 I applied for a consolidation loan. I was told that there was 3 steps to complete I have downloaded all required documents. The last task as they call it was to do a verification call. I have tried several times to do this last task each time I am told to complete the instructions but not told what exactly these instructions are. I have tried to work with them but they refuse to help and complete the loan request.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems has reported a collection account on my XXXX credit report in the amount of {$430.00} that does not belong to me. It states that I opened the account in XXXX of XXXX. I open no such account with them or the company they are collecting from. I want them to show proof via an original contract or have this information removed immediately
Product: Debt collection

Have asked company to validate debt by showing court documents of debt allegedly owed and they have failed to do so. Have disputed over 3 year period and company is not removing from credit therefore causing exxtreme hardship.
Product: Debt collection

I entered into a loan contract With Fundo LLC XX/XX/XXXX this was a loan for my business obtained on line I was not full aware of all the terms and conditions also I was not aware that they could put a lien on my business. I feel behind but eventually paid them roughly XXXX dollars for. A loan that was not even XXXX dollars. They sent me a email saying I was paid in full. I sent them an Affidavit notice of recession to rescind the contract because to start wit it was an Unconscionable contract. I sent the Affidavit on XX/XX/XXXX with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have carefully reviewed my report and have identified several inaccuracies that I believe must be corrected. The following is a list of the negative items that I wish to dispute : XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  XXXX - Account Number : XXXX - You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, I have the right to request that inaccurate or incomplete information on my credit report be corrected or removed. I am requesting that you investigate these items and provide me with a written explanation of your findings. If the items are found to be inaccurate, I am requesting that they be removed from my credit report immediately. I am also requesting that you provide me with an updated credit report reflecting the removal of these negative items. 

I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter and statements in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued presence of the account listed below, which remains on my credit report despite your previous investigation. I believe the information is inaccurate and detrimental to my credit score. As such, I respectfully request that the account be immediately re-investigated. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, I am requesting that you provide the names and business addresses of each individual or entity with whom you have verified this account. This is to allow me to follow up as necessary. Furthermore, please provide me with an updated copy of my credit report reflecting the results of your reinvestigation, as required under the FCRA. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

USAA Reverses Merchants Credits Leaving Consumers with Fraud Claiming them to be USAA credits See attatched statement PERMANET MERCHANT CREDITS POSTED. {$28.00}, {$47.00}, {$34.00}, {$21.00}. on XXXX & NEW PURCHASES POSTED. IN THE SAME AMOUNT {$28.00} {$47.00} {$34.00} {$21.00} on XXXX.???? WHY DOES USAA GET TO REVERSE WHAT MERCHANTS CREDITED? Why does usaa claim credits they did not give? WHY DOES USAA GET TO USE TEMPORARY CREDITS NOT YET MADE PERMANET TO POST A PERMANET NEW PURCHASE?
Product: Credit reporting or other personal consumer reports

From several creditors I requested documentation bearing my signature on the account, verification and validation of the account in question as well as companies to provide consent for authorization of inquiries. I sent letters to Equifax, XXXX, and XXXX on XX/XX/year> & XX/XX/year>. I have not received the requested documentation within the allotted time nor have I received documentation at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Federal Student Aid XXXX Equifax XXXX Subject : Urgent Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to officially dispute the inaccurate reporting related to my credit file and to demand immediate correction of this error. The account in question is [ Account Number ] with [ Creditor Name ]. It has been erroneously marked as a charge-off ( CO ) for collection, which is not only incorrect but also a violation of my rights as a consumer under the CARES Act. 
As per the provisions of the CARES Act enacted in XX/XX/XXXX, creditors are prohibited from reporting negative information for accounts impacted by COVID-19, assuming previous good standing or deferred payment terms. My account was paid in full on XX/XX/XXXX and then returned by the Department of Treasure now was paid in full again on XX/XX/XXXX, and it is unacceptable that this inaccurate information has persisted in my credit report. 
Please note that I have attached relevant documentation evidencing my full payment, along with my account history, which clearly demonstrates that this account was never in default or delinquent. 
I demand that you conduct a thorough investigation into this matter and amend my credit report immediately to reflect the accurate status of my account. This misrepresentation is causing significant harm to my ability to obtain credit and is, therefore, urgent that this issue is resolved without delay. 
I expect a prompt response and resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond to me within 30 days. Please send me a written confirmation of the actions you are taking regarding this matter, as well as an updated copy of my credit report once the corrections are made. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, ve recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit card or prepaid card

AMEX has illegally sued me by violating my consumer rights under the FCRA 15 US Code 1692i ( b ) I have never given written or oral consent to authorize the bringing forth of legal actions by AMEX for the alleged debt of over {$5.00}, ooo.

They sent any & all information of this alleged debt to the wrong address on multiple occasions which violated my privacy as well as violating FCRA 15 US Code 1692b,15 US Code 1692d and 15 US Code 1692c ( 2 ).
Product: Mortgage

In XXXX of XXXX, there was a report from Mid America Mortgage saying that I had a late payment in XXXX of XXXX. I had made sure to provide a copy of my bank statement that the money was indeed given to them on time. As it turned out the department that handles the processing of money seemed to have some oversight in processing my check. In XXXX of XXXX, I had another lender look at my finances in order to purchase another home. They noticed that there was still a delinquency note on my credit history. Since then I have been calling Mid America Mortgage to get it resolved only being told that they would escalate the problem to management and that they would get back to me in a few business days. It wasn't until late XX/XX/XXXX after calling every few days or so that I was able to finally speak to a supervisor. The supervisor then said that because my complaint had not reached them before the XXXX of the month that they were going to be able to fix my credit report. Instead, they would fix it on the XXXX of XX/XX/XXXX when corrections to accounts are to be made.
Product: Checking or savings account

On XXXX XXXX at XXXX I was at the cvs to use the atm machine from XXXX XXXX.I was trying to get {$160.00} out of the atm machine.As I was doing that I was on my cellphone talking when the money of {$160.00} came out.I noticed that the money of {$160.00} had returned to the atm machine as I got off the phone.Im pretty sure the bank confirmed it with Chime.But Chime is being dishonest with my money of {$160.00} and they also charge me a fee for using the atm.I called Chime on XXXX XXXX to confirm this issue.But Chime never processed what I explained to them.I waited thinking it was processed in 6 days.On XXXX XXXX I called Chime again and Chime processed the dispute.Within 1 day on XXXX XXXX Chime denied my dispute.Claiming they have contacted the merchant.If the merchant was contacted then my money of {$160.00} would have been back in my account.Which my money of {$160.00} is not in my account.Anytime something doesnt go through of something of a similar issue happens the money of {$160.00} should have not cleared due to the money of {$160.00} going back into the atm machine.Im sure the XXXXXXXX XXXX cleared the $ XXXX believe Chime is being dishonest.They stole my money of {$160.00}.
Product: Credit card or prepaid card

Had 2 inquiries on credit report from US Bank and Elan Financial Services for a credit card authorization. 

Disputed both and they have stated that their information is accurate. 

Never applied for either and individual who did used an address from 25 years ago.
Product: Credit reporting or other personal consumer reports

INCORRECT ACCOUNT INFORMATION - The account does not belong to me- The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXX XXXX -acc # XXXX - {$610.00}. The account does not belong to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$950.00} - The account does not belong to me. 
XXXX. XXXX XXXX -acc # XXXX {$2300.00} - incorrect information - The account does not belong to me INCORRECT CREDIT Information : I am disputing the following information that is incorrect : XXXX XXXX XXXX XXXXXXXX XXXX XXXX - incorrect information- never late XXXXXXXX XXXX XXXX  XXXX # XXXX - incorrect information - never late REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL I am disputing the following personal information that is showing for me which is incorrect : XXXX. Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. -please update my address to XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft someone has used my information to obtain and attempt to obtain new credit without my consent/authorization or knowledge. And I demand that these fraudulent accounts be blocked and removed immediately. 
Transunion : XXXX, ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/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
Product: Debt collection

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1700.00} I have no any utility accounts in XXXX XXXX XXXX. I never lived in XXXX, I'm Identity theft victim, some one used my SSN number for registering utility account.